23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these accounts removed immediately!!
Product: Credit reporting or other personal consumer reports

The following accounts on my report are inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am filing against Equifax because my credit score is XXXX fair and the XXXX is XXXX excellent. Please correct.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$760.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXXXXXX Balance Owed : $ {$780.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : $ {$780.00}
Product: Student loan

I have been paying my student loan off for XXXX years, on time and in excess of what was due. Recently after hearing about Navient complaints I asked for a balance of my loan. I received a statement stating as of XX/XX/XXXX my balance was {$3300.00} and could be paid in full if paid within XXXX days. I thought that after making regular payments, since I do not receive a paper statement, my loan would soon be paid in full. I checked my balance on line, called to confirm what I thought must be a mistake and found that I now owed {$5700.00} as of XX/XX/XXXX. The representative stated that since the interest was accrued XXXX, blah blah, all of which made no sense..I asked for a written accounting of my payments and balances. What was sent to me was the same information I could have gotten on line which does not include where my payments have been applied, nor does it state, as requested, the original amount of the loan taken over by Navient from XXXX with running balances of the amount due. I checked the account number of the loan ( XXXX ) and they are the same. My loans were consolidated at XXXX point but there is only XXXX account number and XXXX total balance. I ca n't understand using any accounting method how my student loans can be increasing while making payments in excess of minimum payments due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a XXXX XXXX XXXX from XXXX around XX/XX/XXXX. I bought the car and then traded it in for an XXXX XXXX XXXX. When I did this, I had XXXX send the payoff amount that they quoted me, to themselves for the XXXX. XXXX   is claiming that the payoff was {$3000.00} short. I understand that, however the quote I was given covered the full amount of the car, and I sent it to XXXX and XXXX and it was approved. The issue here is that on my credit, XXXX shows a charge off amount for the XXXX on my credit of {$27000.00}. This is not accurate as I got a payoff for the XXXX. Please remove the XXXX   off my credit as I properly traded that car in for the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I advised the rep thru online chat I needed to file a dispute. It was from XXXX XXXX. He said he filed the dispute and gave me Ref # XXXX. I went online today and was going to payment another payment on my account and seen the balance was still the same. I spoke to XXXX  thru online chat and he said a dispute was never done. gave him the ref # that I was given and he said it would not start like that. He pulled the charge up and said I would need to call the security team. The late payment saying I was 30 days late also needs to be removed from the credit bureaus since XXXX never mailed me my statements. I have sent them a copy of the online chat from the XXXX saying it would be removed. I was told from that person and was also told from XXXX which is a supervisor saying it would be removed that it was a banking error. I'm sorry that I even took there credit card. Once this is done I will NEVER do business with XXXX  AGAIN. When you call this company and speak to different people you get different answers to your questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, Transunion, and XXXX has been violating my rights : 15 USC 1681 sec 602b I have a right to my privacy 15 USC 1681 sec 604a communication. reporting agency can not furnish my information without my written consent XXXX XXXX  XX/XX/XXXX I don't know of this account that is paid - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I don't know of this account that is paid - XXXX
Product: Credit reporting or other personal consumer reports

I have contacted all three credit bureaus and notified them that the personal information reported is incorrect along with a copy of my social security card, identification, and a current utility bill. With the amount of identity the going on, I am very fearful that someone could mistakenly. 
identify me as someone else with this incorrect information on my credit report.
Product: Checking or savings account

Hello Before I file formal complaint with the FDIC XXXX XXXX XXXX and whoever else will listen my name is XXXX XXXX, I have a personal checking account with Chase Bank. My teenage son just started working, and I ran a {$340.00} paycheck throu 3 weeks ago that was cashed and released immediately. I put a second check in, {$770.00} that they have been holding since the deposit was made saying it would be released the XXXX th of XXXX. Now they are saying they're going to close my account if I don't go to a local branch to show my son 's ID which he doesn't have yet because his money had been held since he was paid, and the local branch for is is over an hour and a half away. What is going on with your bank. I would like some answers ASAP. I have been doing business with your bank for years and this is the worst customer service I have ever had. You can't cash one check and not another from the same person same account. 

Sincerely XXXX XXXX
Product: Credit card or prepaid card

I resigned from XXXX XXXX on XXXX and shredded my XXXX XXXX Credit Card at that time per XXXX HR request. The card had a credit balance of {$1600.00} upon my exit. 

XXXX activity occurred on the account after my employment end date, and I was unaware until I received a letter from Citibank dated XX/XX/2020 regarding a delinquent Citibank Corporate Credit Card and that my charging privileges on the Citibank Corporate Card had been suspended due to non-payment and if payment for delinquent amount was not sent immediately, my account would be permanently closed. 

XXXX, I spoke with Citibank and the representative helped me obtain access to the account, so I could see the post-employment activity. I have had conversations with 4 different Citibank representatives over the month of XXXX. I have also emailed XXXX database administrator CitibankCards_US@INCRearch.com per advice from Citibank to try to resolve the situation and emailed XXXX  Human Resources from the XXXX Website and to reinforce the need to resolve before the account goes to collections, plus late payment fees are a continued risk. 

The account activity that occurred is summarized below : XXXX, My employment end date and credit balance {$1600.00} left on card XXXX, XXXX requested Citibank to send the {$1600.00} credit balance refund to XXXX and the account went to {$0.00} balance. 
XXXX, XXXX requested Citibank send a second {$1600.00} credit balance refund to XXXX and the account went to a debit amount of - {$1600.00}. I was unaware of this activity on the account until I received the Citibank letter on XXXX. 
XXXX Late Payment fee charge of {$41.00} brought the debit balance to {$1700.00} XXXX Late payment fee change of {$41.00} brought the debit balance to {$1700.00} On XXXX, the XXXX Human Resource department forwarded my email to my previous XXXX Department Director and to the XXXX XXXX Credit Card Finance Team. I have not received further correspondence. 
I have been on recorded calls with Citibank, and I asked Citibank why they gave the second draw of {$1600.00} to XXXX when the account was in {$0.00} balance, and they indicated they just give the amount in response to XXXX '' requests. They also acknowledged that they could see these were not charges, but a credit balance on the card. I asked them not to allow any further withdraws to the account. They informed me I am responsible for the account and it will affect my credit in approximately 60 days, so I needed to resolve with XXXX as soon as possible. 

Please advise of my rights as this activity occurred post-employment and by XXXX request without my awareness. Further, Citibank made a duplicate withdrawal of funds at the request of XXXX that created the negative balance on the account and the late fees. 

Thank you for this review of the matter.
Product: Credit reporting or other personal consumer reports

I recently pulled my reports and noticed you are reporting inaccurate information on my credit profile. So that you are reporting accurate information with no discrepancies here is the following : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Employment : Special Event Travel Network Please remove any other information from my personal credit! Furthermore there are several inquiries unauthorized by me : XXXX CARD SERVICES Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX Remove these from my credit report! 

Lastly there is a collections account for Ic system I am unaware of this debt collection and I have a never had a contract with XXXX XXXX or XXXX XXXX  so how was a collection added to my report without my knowledge or without proper communication and verification of it being my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a dummy and paid for this service for 12 months ( XXXX ) at $ XXXX month. This company promised to " fix my credit ''. I complained about the process several times and they assured me that " most clients start to see changes after 90 days '', and then " most clients start to see changes after 6 months '', and finally " most clients start to see changes after 1 year ''
Product: Mortgage

I have a higher interest rate on my mortgage that qualified for a VA streamlined reduction. I tried to get it from my current mortgage servicer but they refused. They tried to tell me that no one would give me a lower interest rate than what they were offering. I got 3 offers in the mail that were lower. Freedom mortgage refused to match them. I got a lower offer and started the process. Unfortunately, Freedom mortgage is refusing to send by email my mortgage note in a timely manner to lock in the lower rate that they refused to extend to me. I feel they are deliberately slowing down my request, because they have told me that they could send it tomorrow then said Monday. I requested it initially on Thursday, XX/XX/2019. I should have had it today, XX/XX/XXXX. As I said - they refused to streamline my loan themselves, and now that I have a chance with another company, they are dragging their feet. I went through my paperwork and I do not have a copy of the mortgage note. They never sent me one.
Product: Money transfer, virtual currency, or money service

The money was sent Zelle and yet no one can help get my money back.
Product: Mortgage

I have been in a dispute with DITECH since 2013! 
The loan transfer from XXXX has been reported to my credit that the loan has been paid in full as well as received a 1098 from XXXX DITECH has refused to investigate my payment dispute Even while they are under court order to do so instead they continue to drowned me in litigation fees and I can no longer afford to represent myself discovery process has gone on for three years now
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions, I have tried disputing inquiries off of my consumer report that I have no knowledge of. 
I contacted the creditors, and they have no proof. I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since they do not have any authorization, written or verbal I ask that you delete these unauthorized inquiries from my consumer report immediately! As there is no evidence of any authorization, nor any permissible purpose.

According to section 604 of the fair credit reporting act permissible purpose of consumer reports. 15 US Code code 1681b In General, Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( F ) otherwise has a legitimate business need for the information ( i ) of any information disputed by consumer, an item of the information is found to be in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On or about XXXX/XXXX/2022, I was contacted by a former colleague ( XXXX XXXX XXXX ) who had the XXXX XXXX XXXX XXXX on the phone. XXXX wanted me to put a Forebearance on my Mortgage. XXXX XXXX significantly damaged my home a few days before and I declined this action as I still had a job with the XXXX XXXX XXXXXXXX XXXX therefore I could pay my Mortgage. I got so angered at her phone call that I hung up. 

She called back, with Wells Fargo on the line still and I was coerced and harangued by XXXX who insisted that I needed a XXXX. 

As Wells Fargo will not acknowledge that XXXX XXXX, who is Not Family, Not on My Mortgage, Has No Legal Rights to do anything to my account -- My Question is this -- What did she say to Wells Fargo to convince them to speak to her????? 

She is not my XXXX of Attorney or XXXX to XXXX. How did she get them to talk to her??
Product: Checking or savings account

Twice I have deposited a paper check with Bank of America and the bank has placed a 10-day ( 7 business day hold ) on the check. The first check was a one-off deposit, real estate proceeds. This last check was my husband 's payroll check. He has been depositing checks of comparable amounts twice a month ( excepting a 60-day window during the initial Co-Vid lockdown ) for XXXXXXXX  2.5 years.

When I called to learn why they are placing hold on his check, I was told it was because it was a paper check and would take that long to clear. The check is drawn on a competitor but is a local business. 

This hold is tantamount to my husband not a having a paycheck because the hold won't be released until 4 days before his next payroll. 

This is a small company and does not offer direct deposit because the business is prone to high turnover. 

The hold is disproportionate to the risk, especially since there is a clear history of the checks being deposited and clearing. This practice is going to cause undo hardship downstream. 

We are currently in a position to deal with this but i can not imagine if we were living paycheck to paycheck.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a clearly states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX and the Consumer reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA 15 USC 1681b ( c ) ( 1 ) ( A ), consumer reporting agencies must have my authorization to provide information pertaining to me on a consumer report. XXXX XXXX, and Equifax have reported an inquiry on my credit report about an alleged attempt from me to request credit from the following creditors on the respective dates listed : 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: Debt collection

I put a box of credit card statements in the recycling and XXXX XXXX and XXXX claimed to own the accounts. For years my phone rang about ten times a day. XXXX and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX a total of XXXX Small Claims Court cases. This law firm is going down my credit report Small Claims Court lawsuit after lawsuit. They spelled my name wrong and my only income is Social Security XXXX and {$100.00} state pension. XXXX XXXX is the plaintiff although XXXX XXXX was abusive. Both are under XXXX XXXX. I hear that XXXX XXXX buys data that includes your social security number. XXXX and XXXX put a lien on my condo for a XXXX gas card. I have countersued for {$5000.00} for abusive collection practices on a XXXX Credit card which includes calling my brothers and their families and the jobs I worked while XXXX. They have ruined relationships with my family and I lost my jobs.
Product: Mortgage

Billing name mistake and the mortgage company refused to change, correct borrower name should be XXXX XXXX XXXX XXXX XXXXXXXX. There is no XXXX  in the name. They decide to change whatever name they want.
Product: Mortgage

2nd attempt to drop PMI on my mortgage loan with Wells Fargo. First attempt a few years ago I missed the appraisal mark by XXXX when a duplicate house with less renovations as mine on a smaller lot sold for XXXX more than my appraisal. Now attempting since XX/XX/XXXX to do the same thing but Wells Fargo will only accept an appraisal by core logic that they are in partnership with, owning companies together, as late as XX/XX/XXXX and wanting to charge me {$550.00}, {$200.00} more than the national average, for said appraisal. Now I'm finding out that XXXX, who holds the mortgage insurance policy, has strong ties to Wells Fargo so there is strong incentive to bias the appraisal that they control to keep me paying premiums on mortgage insurance. 
1 : Why can't I use any licensed appraiser? and 2 : Why is their fee {$200.00} above the national average? 

Seems to be extremely unfair towards the borrower.
Product: Credit reporting or other personal consumer reports

My name, address, phone number, and other information is wrong on my credit reports.
Product: Credit reporting or other personal consumer reports

According to the recent notice from your agency, federal court rulings have determined that Delinquent Child Support Payments, Judgements, Liens Fines do not arise from a credit transaction and should not be reported on credit reports. 
I request that you promptly review my credit report and remove XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX, loan type : XXXX XXXX. I have enclosed supporting documents supporting the inaccuracy of these entries. 
Please comply with the new interpretation of the law XXXX XXXX XXXX XXXX Trans Union LLC, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/2007 ( XXXX Illinois ) ; XXXX XXXX vs. XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX XXXX XXXX, XX/XX/2007 ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/2007 ( XXXX XXXX XXXX XXXX XXXX XXXX. 
and ensure the timely correction of this error. Kindly provide written confirmation of the removal of said account from my consumer report.