23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

negative collections remove now!!! XXXX XXXX acct # XXXX {$7400.00} and XXXX XXXX acct # XXXX {$100.00} These collection payments must be removed asap, These negative medical accounts are also in violation of the Health, Insurance, Portability, Accountability, Act ( HIPPA LAW ) 1996. I have reported fraudulent activity due to a security breach in a system that contained my personal information. I have been disputing these items since the pandemic and i have reported these errors to Equifax, XXXX, and XXXX these companies have failed to investigate and have thrown out numerous complaints and have failed the american consumers by violating the 15 USC 1681 ( d ) disclosure of investigative reports, these companies have failed to report accurate information and thrown out letters instead of investigating the consumer letters and having the best interest of the consumers. They have continued to violate federal law 15 USC 1681 ( d ) even upon investigation from congress with Rep XXXX XXXX where congress findings have acknowledged that these credit bureau failed to investigate and has caused damages for consumers with errors on their consumer reporting. Remove these late payments now or i will exhaust my consumer rights and bring these erroneous errors and hold these companies accountable by going into litigation!. Thank you XXXX XXXX
Product: Checking or savings account

I saw a transaction listed on my Chime checking account that stated I was charged {$1000.00} on Wednesday, XX/XX/2023 at XXXX from merchant 'XXXX XXXX XXXXXXXX XXXX XXXX   I never authorized or made this purchase and I do not know what this transaction is. What was worse was that I received a fraud text alert if this transaction was authorized and I tapped NO! I received a following response that this transaction was declined. However, it still showed pending on my account. I contacted Chime the same day, XX/XX/2023 to see if the payment was going to be canceled. A chime representative told me, " since the transaction is still pending I must wait until the payment is either processed and no longer shown as pending to file a dispute or if it indeed does become canceled ''. 
2 business days later the transaction was indeed complete and the money taken out of my account. I immediately contacted Chime customer support and filed the dispute.

However 3 business days later Chime completed their " investigation '' and denied my dispute.

This transaction was fraudulent and I have never given anyone my account details or debit card number or authorized anyone to make a purchase on my behalf. Since learning of this fraudulent transaction I contacted Chime support and deactivated my debit card and received a new card with a new number. I changed my pin and I set up transaction alerts so I will receive a notification on my phone when a purchase has been made on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated for ( XXXX ) account # XXXX, but how is that possible if its incorrect data and not 100 percent accurate. This is grounds for removal they violated my rights! On this account for the month of XX/XX/XXXX Experian has the account listed as ( ND ) however I will provide bank statements that shows I paid in XXXX. I have sent two prior disputes in regards to this issues and both came back with same results with no deletion or fix. Complete violation to my rights. XXXX, Experian, XXXX are reporting different information for months of XXXX, XXXX of XXXX. 

Also on my bank statement that I sent you can see I made my payment XX/XX/XXXX that Experian as ( ND ) on my credit report 15 U.S.C 1681 section 5 ( a ) states that If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 15 U.S.C 1681 section 602 a states - I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 it also states- a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report today again, I saw some inaccurate information in my credit report. I wrote several letters already requesting you remove these inaccurate information from my credit report. I dont know why you are ignoring my request. Please DELETE them ASAP!!! 
My ONLY NAME is : XXXX XXXX XXXX XXXX XXXX ADDRESS should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please remove these inaccurate addresses from my report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX
Product: Checking or savings account

When I opened this account on XX/XX/2021, it was explained to me by XXXX XXXX on the phone that in order to receive their promo offer, we had to keep a minimum of {$200000.00} in the account for 60 days and then the promo of {$1500.00} would be deposited to the account within the following 30 days ( end of the committment ). That is the way I understood it as well from the print on their website outlining the requirements. I also saved screenshots from that day. 

However, when we called today, 3 months after our account was funded ( and maintained ) with {$220000.00} on deposit, asking why we did not receive our promo deposit, we were told differently : The first person we spoke to said you have to wait 90 additional days, but you can withdraw your money as long as the account stays open. 

Still confused, since we opened the account under a different promise from XXXX XXXX, we spoke to another person at the bank that said differently. He said : no, you have to keep at least {$200000.00} in the account for an additional 90 days and you can not withdraw it and leave the account open to be eligible for the promo bonus. 

Nowhere in the requirements did it mention this being a 5 or 6 month commitment. I took a screenshot of the requirements after opening the account and it implies that it is a 3 month committment. 

My husband and I just want to be done with Citibank forever after they put me through 12 weeks of agony, lost sleep and ruined my credit rating freezing my account for 11 weeks for no valid reason ; sending them 12 forms of ID just to open a saving account, but after what they put me through, no way will I allow them to bait and switch me on their offer, with their unclear contradictory requirements. 

I come from a mortgage banking background where clear and fair disclosure is part of basic compliance. Their disclosures both verbally, and in print are very unclear and their associates contradict each other when we call by phone. 

Regardless of the 3 opposing sets of requirements from 3 different Citibank employees, my husband XXXX XXXX and I just want the bonus offer that was promised to us by XXXX XXXX on the day the two Citigold accounts were opened. 

They may have changed their rules after we opened our account, therefore I can provide screenshots of the requirements from the day the accounts were opened. 

Since they record all of their phone calls, hopefully they can find the recording from the date the account was opened between me and XXXX XXXX where he explained it would only be a 60 day requirement to have a minimum of {$200000.00} on deposit in each account, but to leave the account open for an additional 30 days to receive the promo offer. We would have never opened the accounts if we knew this was untrue.
Product: Mortgage

I had a loan modification through the HAMP program and it became permanent in XXXX 2015 and was filed with the XXXX XXXX XXXX County Property Deed Office XXXX 2015. I also had to file a chapter XXXX bankruptcy which was converted into a chapter XXXX in XXXX 2015. I requested to have the Debt reaffirm with Bank of America as the payments were being made. I have contacted them on several occasion in which I am constantly being told to call back and the numbers do not correspond with the FHA loan modification and therefore putting off being able to reaffirm the loan with the correct amounts as well as prolonging a discharge in my bankruptcy case. I spoke to several representatives in the BK department and finally today I spoke with a supervisor who is reviewing the papers and does n't understand it. The people that do the reaffirmation are not able to talk to me and I am XXXX. Also they are not updating the credit bureaus and reporting that I have a current loan status.
Product: Mortgage

InXX/XX/XXXX my wife and I got a pre-qualification letter from US Bank and using that we put an offer on a house we liked and our offer was accepted. When we went back to the lender to start our application our assigned loan officer, XXXX XXXX, told me he can not start the application because we will not get approved and the file will be cancelled. I did not want to lose my earnest money so I begged him to start the application and let it be denied but he said that his boss ,XXXX XXXX told him that this file will not be approved and she does not want to have a cancelled file in her team.When I asked for the last time to please start our application he said sorry buddy.We had to go to another lender and start our application but we lost the rate that US Bank was offering and also my employee's discount. I went to my supervisor and told him that this is a violation of fair lending and regulation Z and I want to complain but he said since you are working for mortgage you will lose your job if you file a complaint. I am filling a complaint now because I don't work for our mortgage department any more. Working at mortgage taught me that customers and their interests comes first and what they did to us was unfair and cruel.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are companies that are reporting me as late even though I'm not that's why I need you to look at the attached documents to understand what happened.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :XX/XX/XXXX
Product: Checking or savings account

I received a phone call from a Courier service/processor who said they were trying to deliver legal documents to me but were unable to get with me. They gave me a phone number to call to reschedule the delivery and receive more information regarding the situation. I called the phone number, ( XXXX ) XXXX, and reached a man named XXXX XXXX with XXXX XXXX. He informed me that this was regarding a checking account that I had with Wells Fargo bank from XXXX to XXXX which was over drafted by {$460.00}. He said that the account was marked as unresponsive because they were never able to get in touch with me and that Wells Fargo had handed the account over to their collections and legal department who were pursuing legal action against me to collect the debt as well as for Theft of Services and a possible legal retainer fee which could all amount to up to 3x the original debt plus a {$1000.00} legal retainer amount. He said that I could settle the issue outside of court which would help me avoid a judgement being placed on my Credit Report by paying the full original debt amount through their credit processor before any papers had been served to me. I asked if I could contact him later and he provided me with a phone number, ( XXXX ) XXXX, and told me that he would be in the office until XXXX XXXX but then changed it and said XXXX " our time '' but he's usually dealing with the east coast so he mixed up the times.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a ReliaCard, my card has been locked for a month now. I cant pay any bills because my card is locked, I am having a rough time. Please help ... its been locked since XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XX/XX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Keep applying that i had account which i didn't. Ask for proof. Wont provide it.
Product: Debt collection

I received a phone call today from Selene Finance attempting to collect a debt discharged in bankruptcy. My mortgage. Attached also is a copy of a letter I received on XXXX XXXX, 2015. I do n't understand why it is taking so long to foreclose on that house.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems XXXX is reporting a dept of {$XXXX} on behalf of XXXX. I asked the company and the credit company of proof of this debt and have not received anything. I have not had XXXX since XX/XX/year> and the there was no remaining balance. Also, if there was a balance my rights are being violated with this being reported after the timeframe allowed for my state which is XXXX
Product: Money transfer, virtual currency, or money service

I have more than XXXX USD deposited in Juno checking account. Starting XXXX, I lost access to my funds. I can not transfer this fund out to other banks. I can not withdraw any money either. 

I am aware of these statements from Juno : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for Investigation of Unauthorized Inquiry I checked my personal credit report and I noticed an unauthorized inquiry had been made from XXXX XXXX XXXX in XX/XX/2016 

I request that you initiate an investigation into XXXX XXXX XXXX 's inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report. 

Thank you for your assistance in this matter, Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

looking at my credit report, the car on my credit report is not mines, please look in this matter pls help me
Product: Money transfer, virtual currency, or money service

I was scammed on XX/XX/year>XXXX  by a user pretending to be my brother on XXXX. I sent them {$150.00} on Zelle, not knowing that once I found out I was scammed, I could not be refunded by my bank, XXXX. I called to dispute the charge and they said they would review the case, but they did not ask for any evidence. I had screenshots of the scam, phone numbers, and an email of the scammer. After a few days, I received a letter from my bank saying that they would not refund the Zelle transaction that occurred. After that letter I decided to also report the scam to the FTC. I wish Zelle would have informed consumers upfront that any transactions made will not be refunded or cancelled. I would like to express my concern for consumer safety within Zelle and how they handle disputes in accordance with the CFBP lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate this account Account name : XXXX XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS