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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  : XXXX XXXXXXXX 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 XXXXXXXX XXXX  XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ 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 Experian Addresses : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$5100.00} - You are reporting different information from other bureaus. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$4500.00} - You are reporting a different information from other bureaus. This account was never late and I always make my payments on time. This account is only reporting as late in your bureau. If your record keeping had been accurate, this account should have never been late. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. 

DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$2200.00} - You are presenting data that is distinct from that of other bureaus. I always make my payments on schedule and this account has never been late. At your bureau, this account is simply reported as being late. This account should have never been late if your record-keeping was accurate. I need to update this account right now since, according to the FCRA, reporting of account information must be accurate. 

XXXX XXXX XXXX / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$4900.00} - You are reporting data that is distinct from that of other bureaus. In my opinion, I was on time on the dates you're mentioning. I never miss a payment because I always pay on time. According to FCRA, reporting must be completely correct, or the data must be amended.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Horizon has made two entries on My consumer report XXXX and others that are false. After disputing the information and making payment that settled the debts, the reported information shows no update that reflects the settled account debts. When settled First Horizon agreed to remove the items. Most importantly the false accusation entered as suspected fraud is baseless, it was not properly investigated, and the character of the debt being associated to fraud violates my consumer rights and it's damaging. I accepted a a third party payroll check from a past associate that was placed on hold and released by the bank, there was no issues with it's validity. After, the overdraft of my account for unrelated unforeseen charges the bank reviewed my account discovery the mistake of the bank whom stated that my account did not allow third party deposits and reversed the credits solely based on the mistake of the bank. The bank decided to prematurely close the account and notate two falsely characterized occurrences of one incidents when submitting the occurrences separately on my consumer reports. The amounts has been settled which the entries do not reflect settlement, and the entries make false claims related to and described as fraud and account abuse which is retaliatory in nature for reason of the bank having to disassociate from it's actual mistake made on the account, further in an attempt to secure it's position without being subject to legal remedy it inflated the infraction, and the bank did not accept any statement from myself or the owner of the check which is failure to properly investigate the incident and allowing the bank to take the level action which is faulty business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and On XX/XX/XXXX XXXX XXXX   ran my credit without permission. Gateway Fncl needs to be removed as well because that case is closed. XXXX also needs to be removed
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result, I am requesting that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were unauthorized and should not be listed on my credit file. 
Accounts : XXXX. XXXX  - XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$350.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$350.00} XXXX XXXX XXXX  BANK NA o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5900.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3600.00} Inquiries : XXXX. XXXX XXXX XXXX  o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX XXXX XXXX BANK NA o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX CARD o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX  CARD o Date : XX/XX/XXXX XXXX. XXXX  o Date : XX/XX/XXXX XXXX. XXXX  o Date : XX/XX/XXXX
Product: Credit card

American Express will not allow me to pay off my just-assessed {$75.00} annual fee without first paying off the $ XXXX+ balance covered under a special 0 % APR for purchases I have made. I was not prepared to pay that off until XX/XX/XXXX expiration of that offer. While this 0 % rate does n't expire until XX/XX/XXXX, AMEX tells me to pay off the annual membership fee, I have to first payoff all purchases made ( {$4700.00} ). Further, they tell me I have no ability to allocate funds from my {$150.00} payment just now -- toward paying off the {$75.00} annual fee which is collecting XXXX cents in daily finance charge ; but AMEX refuses to announce when a fee will be assessed, nor allow me to payoff the {$75.00} fee in advance. I can not touch the annual fee even though, in writing, telling them {$75.00} of the {$150.00} payment ( min. due {$47.00} ) I just made is to be allocated toward the annual membership fee. Seems deceptive and a " gotcha '' way for AMEX to collect XXXX cents a day until I can payoff my entire balance. I thought the CARD Act allowed me to allocate payments how I see fit, for any amount over the minimum payment due, to any bucket of fees or charges on the card?
Product: Credit reporting, credit repair services, or other personal consumer reports

On the Credit Report XXXX, XXXX and Experian the account and name and amount are incorrect
Product: Credit reporting or other personal consumer reports

Credit reporting ensures that bureaus report only 100 % accurate credit information, therefore my First Progress Acct # XXXX needs to be re-investigated. I initially requested for this account to be validated, with no response. 
FCRA section 611, gives me the right to request an explanation of the verification method used. Also this inaccurate information is reporting two times on my report. This is a paid closed account and should not be reporting negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly that I am 30 days past due on XXXX   partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Checking or savings account

I have contacted the ChexSystems about two accounts thats showing on my file. XXXX and XXXX XXXX. I have asked chexsysystem to remove these accounts but they refuse to do. I would like Proof that these accounts belongs to me. XXXX sent me some bank statements. thats not what I would like. I want some the orgianal documents from XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX My wife started the process to refinance the loan through another company and remove my name from the account. I informed XXXXXXXX XXXX XXXX of what I was doing, and they said it was fine there was nothing needed on their end. The new company sent out the final payment in XXXX and it was received the second week of XX/XX/XXXX. XXXX XXXXXXXX XXXX marked on my credit report the XXXX payment as late, even though they knew they were getting a paid in full, and with COVID around this time unfortunately the mail was late. My daughter was in the ICU, and XXXX XXXX XXXX marked it late having a negative impact on my credit score even though they received the paid in full amount.
Product: Mortgage

I first started with country wide and was in the negative arm loan. Then was sold to XXXX XXXX XXXX and i fell behind in payments. In XXXX XXXX XXXX XXXX had to offer me loan modification due to the mortgage debt settlement. They offerred me a trial modification then after i sent first payment they sold my loan to nationstar in attempt to wipe their hands clean and not have to comply with the settlement. 

My XXXX XXXX XXXX loan was transferred to Nationstar on XXXX XXXX after I agreed to a modification. I tried to send a payment to nationstar but my it wasnt accepted and in fact the payment I sent XXXX XXXX XXXX was returned. I called several months asking when can i make a payment and was told to wait until they receive documents from XXXX XXXX XXXX. On XXXX and XXXX XXXX, i received loan documents from nationstar that had a XXXX payment balloon of over XXXX. I told them this not same loan as XXXX XXXX XXXX, please let me know why theres a balloon payment before I sign this modification. Till this day, I have n't gotten an answer. I have contacted Nation star every single month. Then I get a notice of default so I gave in and they sent modification documentation. I agreed and they open a case for mod in XXXX XXXX. I 've been trying to send over modification documents to nation stars and now they are saying that the investor will not allow me to modify. In addition, they gave me a number for point of contact, XXXX XXXX who never calls me back or work on my case. All I want is fair treatment and for them to honor the XXXX XXXX XXXX loan documentation without balloon payment. If not, then at least give me opportunity to apply for XXXX program since they offered it to me. I also sent over my XXXX XXXX discharge papers from XXXX and asking to see if I was qualified for SCRA benefits and I never got response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase XXXX XXXX XXXX XXXX XXXX, reported my account as late 30-59 days in XX/XX/XXXX. XX/XX/XXXXStatement was delivered by the bank to the wrong email address electronically. I never received. Once it became obvious that the statement did not show up, I called the bank to inquire and was told that there was a small balance due. I paid it in full immediately and the bank waived the late fee from my account as they undersatood what has happened. 
However, the late fee mark was never removed from my credit report. I can initaiated multiple requests through the bank and the credit bureaus with no result. 
I believe it is unfair to have this derogatory mark on the my credit report for no fault of my own. The balance was promptly paid and the email address has been corrected. 
My account with chase is still open and current and has never any late payment ever. 
I am turning to you to assist in mediating this issue due to the hardship it is placing on my unfairly. 
Thank you Bank info : CHASE XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my dad initiated an international wire transfer from XXXX bank. He was charged a wire transfer fee. On XX/XX/XXXX, the funds hit my Chase account but there was {$15.00} missing. When the amount finally posted on XX/XX/XXXX, I was also charged an additional {$15.00} incoming wire fee from chase. 

They cant tell me why my wire amount had an additional {$15.00} missing. I called several times on XX/XX/XXXX and XX/XX/XXXX and also visited the chase branch on XX/XX/XXXX. They keep telling me XXXX charged an additional commission that was deducted from the principal. However I cant get anything from them in writing about what type of fee this was or why it was charged. I have sent and received wires before and usually theres just one fee charged to the sender and one to the receiver. Ive never heard of this commission and I cant get any direct answers from chase. I filed a complaint with them on XX/XX/XXXX reference no : XXXX ) but they said besides looking into in internally, they will not communicate with me the outcome of the complaint. These are predatory and unfair business practices as any fee or charges should be clearly specified and notated as such.
Product: Credit reporting, credit repair services, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have very big concerns regarding my home and Select Portfolio Servicing. They have placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review.

SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale up on the trustees site and when asked Select Portfolio Servicing they say its still active. How if im in review they still have the sale up. Im really  worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of  Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer. Im ready to pay my mortgage but need help setting up and receiving a loan modification.
Product: Debt collection

This is in supplement to my complaint no. XXXX. Further investigation has revealed that Conn 's closed this account on XXXX/XXXX/13, showing a balance due of {$4300.00} and indicated the account was " purchased by another lender. '' XXXX XXXX then attempted to collect this invalidated debt but was forced to close the account when they could not validate it, and removed it from my credit listings on XXXX/XXXX/14. XXXX 's has left this invalidated debt on my credit listings for more than a year after it was removed by XXXX XXXX due to it being an incorrect and invalidated account. Attached is an excerpt showing the account was removed on XXXX/XXXX/14. XXXX 's individual listing should have been removed at the same time. They can not validate the debt and it must be removed.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXXXXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection XXXX XXXX : XXXX & XXXX XXXX Account Number : XXXX Creditor/Collection Agency XXXX XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.
Product: Checking or savings account

I opened a checking and savings account online XX/XX/21 with Citi Bank. I was sent a debit card and checks and issued an online username to access my account. When I went to login and activate my debit card it said my account was blocked. I called Citi and spent hours on the phone and they said they were unable to verify my identity and there is not a Citi Bank close to me. I asked for my funds back that I opened the account with. Never received. Called again 6 weeks later and again never received. Filed a complaint on here and finally received my funds back XX/XX/21. Yesterday I receive 2 emails that my accounts are over drafted and they are charging me {$5.00} for the savings account and {$39.00} for the checking. Called into Citi Bank again and was hung up on. Called back again and the person let me know I needed to speak to the fraud department ( again for the 3rd time now ). She then comes back on the line and says there is a technical issue and I cant be transferred and left me with no resolution whatsoever. I asked to speak to her supervisor and told her this has gone on for 6 months and completely unacceptable! This is traumatizing at this point and has taken up hours of my time for absolutely no reason. Im told the account is closed. They sent me the money back. I can not access anything online and there is no bank. Why am I receiving emails that my accounts are now overdrawn and Im being charged fees? No one from Citi Bank can give me answers and there is not a financial center close to me.
Product: Checking or savings account

On XX/XX/XXXX SoFi Bank temp restricted my account I called numerous of time finding out why my account was restricted but was not giving any answering only to keep checking your account and there is NO TIME FRAME when the restriction will be removed. Many reps states they reached out to their security team but do not get a response which is awkward. Many complaints was filed, and follow up and I never get an updated follow up. This seems like an ongoing issue with this bank as many other clients has had this issue in the past with no answers about their account or expected time frame. Its very frustrating when your livelihood is in this account and bills cant be paid or even expect a time frame from this Bank. I am facing evictions and still to this day I have not been giving a update or response.
Product: Bank account or service

Many banks ( XXXX XXXX XXXX XXXX - began XXXX - personal funds, XXXX XXXX - from personal deposits XXXX. XXXX - SSD deposits began in XXXX XXXX to current ', XXXX XXXX - XXXX personal check, BBT Bank deposits were via DoD, XXXX XXXX XXXX XXXX stolen funds from sale of personal fraud - sale of jewelry, XXXX XXXX XXXX , XXXX , XXXX ) other Banking Institutions have also been utilized, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX utilized since XXXX XXXX - utilized in XXXX County & XXXX , XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX XXXX ) These banks were utilized for depositing funds from work performed thru DoD, XXXX, XXXX, XXXX sale of XXXX, funds continued - in XXXX XXXX - located in XXXX, XXXX ( XXXX XXXX, XXXX XXXX - contract Admin, ). As the total accumulation is Insurmountable - began in XXXX ). The majority of funds, while deposited by me, they were stolen by XXXX XXXX XXXX - SS # XXXXwere depleted!!!! pp
Product: Money transfer, virtual currency, or money service

Venmo withdrew {$450.00} from my checking account to transfer to my daughter 's account. Out of the blue, Venmo froze my account and my daughter 's account. They have kept my money and have refused to refund. They have requested information from me and I send and then they ask for more. Venmo has been in trouble with the FTC for this behavior I have just learned. They are currently on a watch list. They have been lying to me about my funds. To this date, they still have my money and my account is frozen. They use this as an excuse to keep your money. This is fraud and theft. Please help. Thank you. XXXX XXXX