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

Equifax is in violation of 15USC 1681 ( 2 ) ( A ) for reporting inaccurate information that I also was not notified 5 days prior to the reporting of these inaccurate accounts listed in the dispute letters I sent to them. It has been over XXXX  days since Equifax has been notified of their violation of the above section as well as '15USC 1681a ( 5 ) ; for allowing these companies, ( who are also in several violations and have been notified ) to furnish the following inaccurate accounts on my consumer report, without providing me with an original signed consumer contract with written authorization requested to furnish these accounts as per '15USC 1681 ( b ) '. 

Company : XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Account XXXX Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX  Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number : XXXX Date added : XX/XX/XXXX Company : XXXX XXXX Account Number Listed : XXXX Date XXXX : XX/XX/XXXX Company : XXXX XXXXXXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Their violations make these accounts inaccurate and by law they must be removed from my Consumer Report.
Product: Debt collection

On XX/XX/21 I was notified of a negative account on my credit report. The company is Sequium Asset Solutions for an XXXX  account that was opened fraudulently. I am currently a victim of identity theft. XXXX XXXX XXXX team has confirmed the account is fraudulent. Sequium Asset Solutions refuses to investigate and remove the account from my credit report. They are reporting inaccurate information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive mailed letters to XXXX, XXXX, & Experian in regards to inquiry removal. While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries that I did not authorize nor did I sign an authorization by those companies.
Product: Credit card

I signed up for the American Express XXXX XXXX cash card on XX/XX/XXXX with a welcome offer of spend {$3000.00} in 3 months for a {$250.00} credit. After I met this spend prior to XX/XX/XXXX, I never received the credit. Upon contacting for investigation on XX/XX/XXXX, XXXX, and XX/XX/XXXX Amex states that the offer was spend {$15000.00} on a year for {$250.00}. This offer was never shown to me on sign up. They will now not honor the terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Credit Inquiries Are Unauthorized And Need To Be Removed From My Credit Report Immediately.
Product: Bank account or service

I responded to a communication from CitiBank involving a CitiGold Bank Account bonus ( XXXX Thank you points ) for signing up and meeting certain criteria. I opened the account online which informed me of the bonus points and stipulations to which I agreed. I then met my requirements for the bonus, and began using CitiBank as my main checking account ( bill pay, direct deposit, etc ). However, when contacting CitiBank they instead told me there was no bonus associated. 

I feel like I have been tricked by a company to which I have provided even more business.
Product: Mortgage

Select Portfolio is not willing to resolve my mortgage issue by correcting the principle balance of my mortgage loan that was transferred by XXXX XXXX XX/XX/XXXX ( {$84000.00} ). I never agreed to a Sub Prime Mortgage of {$240000.00} with XXXX XXXX. I have lived in my home since XX/XX/XXXX in fact, it was a construction home. 

Select Portfolio stated recently that the Mortgage still belongs to XXXX XXXX and the Loan Modification needs to be approve by XXXX XXXX. This is a monopoly. 

As a consumer, I request the Federal of Investigation investigate both XXXX and Select Portfolio for Mortgage Fraud. The mortgage fraud monopoly issue with both XXXX and Select Portfolio Servicing. It is time the CFPB gets involve and sanction both these Mortgage business to the list of Lawsuit claims against them for Mortgage fraud. This scam has cost countless innocent home owners such as myself and other consumers stress and uncertainty. Congress pass a law that prevents Mortgage Companies and Servicers from Mortgage Fraud and get the HUD Department involve to insure these Mortgage Companies are honest and comply with Trust in Lending laws.
Product: Credit card or prepaid card

I've had a serious financial impact to my wholly-owned business due to Covid-19. Total receivables booked since XX/XX/XXXX has been a negative ( {$1700.00} ). I have only paid the minimum payment amount on my corporate Visa credit card account issued thru J.P. Morgan Chase, N.A. Shortly after the pandemic hit I called to see if a settlement agreement could be reached to close the account out entirely. The settlement department offered to close the account if i could pay 90 % of the principal balance.

I did not take the offer as I also had to negotiate a settlement offer on a corporate bank line of credit. that was resolved in late XXXX of this year. 
I called the settlement department on XX/XX/XXXX to resurrect that offer. I spoke with two individuals who said the only offer they can make at this time is 100 % payment of the principal balance. I find this totally unsatisfactory as a severely impacted small business seeking redress from one of the largest financial institutions in the world. 
I could declare corporate and personal bankruptcy in a heartbeat. I own a car, a business with little in the way of assets and a retirement account of roughly {$300000.00}. I'm XXXX years old. All I'm looking for is a fair settlement to resolve the entire account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The Accounts As Followed ( XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX & # XXXX, XXXX Account # XXXX, XXXX Account # XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 2 : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX, I mailed a letter to XXXX, Experian, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Product: Credit card or prepaid card

My dentist office was supposed to do a " pre-qualification '' and instead submitted an application opening this account without my approval. I informed Comenity Bank on numerous " recorded '' calls. In addition, I had advised them not to close this account, since it was already on my credit report and I didn't want it to effect my XXXX XXXX, which Comenity fraudulently closed. I told Comenity they should get the money back from the dentist office who wrongfully opened this account. Most of the funds were returned back to the card after my continued dispute, with the exception of {$1500.00}. I informed Comenity that I would never pay for an account that I didn't approve to have open at the time the application was submitted by the dentist office. On XXXX of my calls, which I recorded, Comenity informed me that I had called to have this account closed, to which I had informed them I never called to have the account closed and that I now consider that to be fraudulent and it should be investigated and reopened since I didn't make that request. Comenity instead tried to have me log-in online and then transferred my call to the dentist office that wrongfully opened this account.
Product: Vehicle loan or lease

The vehicle financed by XXXX XXXX was lemon and the dealer sold me a warranty that would not accommodate the issues with vehicle..Car was repo and XXXX XXXX didn't comply to NYS law by sending a certified letter indicating the intention of vehicle but instead reflects the amount I owe .... which they and credit bureaus are violation FCRA 609 ... If not resolved with your assistance ... .I will seeking actions with my attorney XXXX XXXX who specializes in such
Product: Checking or savings account

My safe deposit box that i am the only one with permission and a key to was robbed for almost XXXX XXXX dollars in cash and money orders, jewelry including my wedding band and engagement ring and alll my important paperwork ids, birth certificates n ss cars for me and my kids and other things I have used that bank the entire 12 years they have been open every one of the people that work in the back to let you in the boxes know me very well and XXXXXXXX XXXX XXXX XXXX XXXX so i strongly believe whoever signed into my box must have known whoever let them in.
Product: Payday loan, title loan, or personal loan

I was sent into collections for loan I acquired from Affirm. I made my final payment on the loan through the debt collection service XXXX on XX/XX/XXXX. Affirm did not update my account until I submitted two disputes through XXXX and the account was update to reflect paid on XX/XX/XXXX with my first dispute. My second dispute filed was in XXXX, however they did not update my file. I have filed 4 different internal disputes with Affirm, who said they were escalating the review each time. The most recent escalation was on XX/XX/XXXX when XXXX told me they would resolve the issue within 24 hours. However I still have not received any updates on this account and since have submitted a XXXX dispute through XXXX on XX/XX/XXXX - a full year after I made my final payment and no resolution as of yet.
Product: Student loan

MOHELA reported fraudulent personal debt amounts to all XXXX credit bureaus. 

On XX/XX/XXXX MOHELA reported my personal debt amount as {$24000.00}. As of XX/XX/XXXX my student loan amount was actually {$17000.00}. Moreover, as of XX/XX/XXXX my student loan amount is actually {$10000.00}. 

This is a violation of 34 CFR 685.102, 34 CFR 685.200, 34 CFR 685.220, 34 CFR 30.1-30.70, 34 CFR 685.206, 34 CFR 685.222, 34 CFR 668.171- 668.176, 34 CFR 685.204, 34 CFR 685.208, FDCPA 1692-1692p, FDCPA 801 819, and 15 USC 1601.

MOHELA is legally obligated to report updates, adjustments, and payments to debt amounts on the first of each month. 

This is also a violation of CA civil code statutes AB 376, AB 1864, SB 908, 1788.101 ( a ), 1788.101 ( b ) ( 1 ) - ( 6 ), 1788.101 ( b ) ( 7 ) - ( 10 ), 1788.102, 1788.102 ( b ), 1788.102 ( c ) - ( d ), 1788.102 ( e ), 1788.102 ( f ), 1788.102 ( g ), 1788.102 ( h ), 1788.102 ( i ) and ( k ), 1788.102 ( j ), 1788.102 ( l ), 1788.102 ( m ), 1788.102 ( n ), 1788.102 ( o ) - ( r ), 1788.102 ( s ), and 1788.102 ( t ). 

Moreover, while attempting to correct this fraudulent information with MOHELA, their representative ( Employee ID # XXXX ) verbally stated they could not assist with this process. The representative stated that an external department would have to address the matter. Allegedly, an expedited email ( # XXXX ) was issued. This is the same lie that was verbally stated to my person in XX/XX/XXXX. 

Furthermore, this is not a duplicate reporting of fraud. This is an additional unique instance of fraud conducted by MOHELA. This company continues to engage in fraud as an attempt to act as a subsidy for the U.S. Treasury department. 
Finally, I was informed that MOHELA is unable to provide an accommodation in compliance with the ADA ( XXXX ). I was informed that MOHELA is unable to provide physical copies of my receipt notarized by the U.S. Postal Service. This is a violation of CA AB 376, Special disclosure requirements for private education loans law 1026.46 ( b ) ( 5 ), and 34 C.F.R. Part 104.
Product: Checking or savings account

I am currently out of the Country and have had my account blocked. Prior to traveling I contacted Chase twice via phone and asked if I needed to notify them that I am traveling and they specifically told me I didn't need to let them know and that I would have to problems. Now that I am in XXXX my account was blocked by their fraud department. I contacted them and they told me that I had to physically go into a Chase Branch and verify personally. I am in a country with no Chase Branch 's so how can I go into a Branch? I have spent literally all day on the phones, have even contacted someone in a Branch back home. He is trying everything but even he is getting blocked. 

This is unsatisfactory to say the least, does this mean that when I travel Internationally I loose access to my funds? I have even sent photo 's of myself holding my passport to the Branch Employee back home and he tried using them but was told that wasn't authorized. 

So as it sits my account is blocked, I am in a 3rd world country and Chase has an impossible requirement to gain access to my funds.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX XXXX Previous XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Employers : XXXX XXXX XXXX : XXXX XXXX Collection/Charge Off XXXX XXXX XXXX XXXXXX/XX/XXXX {$13000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$160.00} Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Finance I am writing to dispute the following information that appears on my credit reports from XXXX, XXXX and XXXX report : Dispute Bank of America Credit Card Account Number : Can Be provided Source of dispute information : BANK OF AMERICA Type of disputed information : Missed payment/delinquent account due to BOA fault Dates associated with item being disputed : XX/XX/year>. 
Explanation of item being disputed : I have been a Bank of America XXXX for 14 years. I have never been delinquent on my payments with the bank of America as you can see from the history. However, this time the Bank of America is at fault. The bank suspended by online banking access in XXXX of 2024. They did not even send me the statement of balance due for XXXX and XXXX. I have tried repeatedly calling the bank to grant me access for several months but I was kept on over hour long holds, frequent call drops etc and no one really fixed my online banking access. Therefore, due to lack of online access and no access to statement, the payments were missed. On immediately finding out that there is a balance due on this account in my credit report, I immediately contacted the bank and paid the balance over the phone on XX/XX/year> the proof of which is attached. I got the online access today on XX/XX/year> and therefore I am able to now see the statements. 
I humbly request you to please investigate this matter and remove this payment from my account. I have had a clean and stellar credit history which I have worked very hard to maintain and this is very unfortunate on the banks part Thank you for your assistance. 
Sincerely,
Product: Debt collection

This complain is for XXXX XXXX XXXX. It was supposedly for XXXX XXXX for {$300.00}. It was dated a few years back. Fast forward. Im in the middle of processing a mortage loan now. Had to pay the balance to raise my credit score up and remove the negative remarks they put on my acct. Before i paid them, i called to see if they can send over a bill with the amount i owed. They declined to do so in writing and redirect me to XXXX to see the balance. Decided to overnight the money order with the said balance on XX/XX/2019 with signature needed making sure theyll get the payment on time at XXXX on XX/XX/2019. Called the next day after it was signed by a person named XXXX XXXX at XXXX. Spoke to a representative and was told they havent received the payment. I told them it was signed at XXXX so they should have it on record. They said that the payment isnt posted yet and declined my request for them to expedite the process because i need a letter from them saying they received the payment and the balance is now {$0.00}. Spoke to a supervisor and they were no help either. Mind you that ive called them multiple times in the past week and they arent willing to help with anything. The second time i called it was a lady representative that helped me. I was on the phone for 50/more mins. She would put me on hold multiple times and failed to inform me that theyre updating their system and its slowing everything down. Mind you that i have a newborn baby and have other errands to do therefore i dont have an hour to sit around and be on the phone with them! Now my mortage loan was declined due to this mishap!! And i tried to access my acct from their website and it says my accts not accessible thru the web and have to call them.
Product: Credit reporting or other personal consumer reports

There is unauthorized inquiry on my report that i do not recognize XXXX XXXX
Product: Checking or savings account

XXXX made a fraud charge to my account when I discovered it. When I spoke with customer service, they stated they could only adjust one because that was her limit. So she transferred me to her supervisor, who could fix the remaining fees. So when I spoke to the supervisor, she said she could not credit the other 9 fees because the charge was in dispute now, and the dispute department would credit them. So she transferred me to that department, and they had a 40 min  wait time, so I waited. After waiting for one ( 1 ) hour and 30 minutes later, the bank dropped me because they said the department had closed. I called back the following week asking for a resolution, and more fees were hitting my account from ACH-predated drafts. They told me again to wait until the dispute was resolved. 

I did my part and felt they were fraudulently trying to overdraft my account. I reported the unauthorized charge and the overdrafts. Chase bank refused to credit my account for all the overdraft fees that occurred since I reported the fraudulent charge from XXXX to the present. Know that my account was charged for a service that I didnt authorize, it is a fraud charge. I have escalated this matter to the executive office, and they will not credit the overdraft fees. My account has been high-jacked by Chase, and I have credit obligations to pay for with this account. I expressed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that my account has been in limbo because they are investigating this issue, and as a result, more fees are compounding. I refused to pay for any overdraft fees on this account!
Product: Credit reporting or other personal consumer reports

i called to have the account removed after i paid the balance which they said they would the account is still reporting on all three bureaus i call them back to ask to hear the recording because they said they never agree to remove the account after it was paid the XXXX said the agent never agree to have the account removed he said it was a misunderstanding i ask for proof he said he cant let me hear the recording also on my account thats reporting on experian and XXXX and says collection account and on XXXX XXXX its says open account for account status also no balance update on experian on XXXX balance updated on XX/XX/XXXX on XXXX XXXX balance updated XX/XX/XXXX the lied about removing the account after it was paid wont let me hear the recording and reporting inaccurate information on the bureaus i really need help on removing this from my credit report
Product: Mortgage

Paid for an appraisal did not recieved a copy. Loan didnt go threw. Problem with loan well is not on financed property. So the bank has a house financed and there is no water. The bank should of have appraiser add another parcel with value and add to financed parcel. I asked for appraisal never recieved. Ask for money back and they would not respond ....????
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Product: Credit reporting or other personal consumer reports

These disputed accounts were open fraudulently : XXXX XXXX XXXX XXXX {$4000.00}, XXXX  XXXX XXXX {$120.00}, XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX  {$510.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX not sure amount but this account is reporting twice. I have filed an ID Theft report with the FTC, disputed these accounts with the credit bureaus and added security freezes with : XXXX, XXXX, Trans Union, XXXX XXXX XXXX XXXX  and XXXX, to prevent further fraud. I received no response from my disputes sent to XXXX, Trans Union and XXXX XX/XX/2023. I sent a follow up dispute to the credit bureaus again XX/XX/2023, this time I received only an online " dispute results '' from XXXX and said these accounts were " Verified as accurate, '' with no consumer contract or evidence that under the FCRA that this account was open by me.