23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I submitted a loan application to Carrington Mortgage Services LLC XX/XX/XXXX. The loan officer was XXXX XXXX. Originally, he was very helpful even though I have fair credit score, and began the loan process stating that he had a XXXX % loan approval rating. After about a month of me asking him questions, because I have never had a loan before and do n't know how things work, he stopped answering my emails. Prior to this time, he had asked questions about XXXX my partners XXXX and XXXX. Finally, XX/XX/XXXX, he called my partner and stated that he did not like the " tone '' of our emails to him and stated that he was our only hope for a loan and that he was considering not helping us. This came from out of the blue. Following this phone call, he has not taken any of our repeated telephone calls or answered the numerous emails which we sent to him. We asked him specifically if he had a problem with the fact that We are a XXXX couple or the XXXX that my partner suffers, XXXX XXXX declined to answer. It is now XX/XX/XXXX and we have heard nothing from Carrington Mortgage or XXXX XXXX in regards to our loan application. It is our belief that XXXX XXXX has stopped working on getting us a loan because of our sexuality and my partners XXXX.
Product: Checking or savings account

I was charged over draft fees for money that was in the account but navy federal overdraft draft it an charged me an fee
Product: Credit card or prepaid card

I was supposed to receive a direct deposit for excess Financial Aid funds. XXXX XXXX told me the refund amount was too much {$16000.00} over their XXXX so I would need to send documentation proof of the deposit reason. I sent all paperwork from my college to them and was told to expect something in 6 business hours. I called back 6 hours later and was told they attempted to call the school for verification but the school was now closed so they could not do anything. I then asked to speak to a supervisor who ensured me the documentation I sent was good and I would receive my direct deposit by XXXX. I called back at XXXX and was given a different answer, that the direct deposit department was gone and attempted to call the college but it was closed so they would need to verify tomorrow. I should not have to go through this much to get my own funds!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies were made aware of the fraudulent activity on my report. They did not follow the federal procedures.
Product: Debt collection

TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX Radiusglobal Opened XX/XX/XXXX + {$400.00} Original creditor : XXXX XXXX  Radiusglobal Opened XX/XX/XXXX + {$200.00} Original creditor : XXXX XXXX  Radiusglobal Opened XX/XX/XXXX + {$1500.00} Original creditor : XXXX XXXX  Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Radiusglobal Opened XX/XX/XXXX + {$400.00} Original creditor : XXXX XXXX Radiusglobal Opened XX/XX/XXXX + {$200.00} Original creditor : XXXX XXXX Radiusglobal Opened XX/XX/XXXX + {$1500.00} Original creditor : XXXX XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Experion Credit Report : XXXXXXXX XXXX  XXXX - Date of Inquiry XX/XX/XXXX - I do not recognize this inquiry. 

XXXX XXXX XXXXXXXX - Date of Inquiry XX/XX/XXXX - I do not recognize this inquiry. 

XXXX XXXX XXXX - Date of Inquiry XX/XX/XXXX - I do not recognize this inquiry. 

XXXXXXXX XXXX XXXXXXXX - Date of Inquiry XX/XX/XXXX - I do not recognize this inquiry. 

XXXX Credit Report : XXXX XXXX XXXX  - Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX - Date of Inquiry XX/XX/XXXX
Product: Debt or credit management

I am filing this complaint against XXXX, TransUnion, and XXXX for failing to resolve an issue with inaccurate credit reporting despite using their dispute resolution services. Their failure to investigate and correct inaccurate information related to my account with XXXX has caused significant harm to my credit score and financial well-being. 

In XX/XX/year>, I reached a settlement agreement with XXXX to resolve my private student loan account. Under the agreement, I paid {$6000.00}, and XXXX confirmed that the account would be reported as paid in full for less than the full balance. Despite fulfilling the terms of the settlement, XXXX has continued to report the account as charged off and delinquent every month since XX/XX/year>. 

I submitted disputes to XXXX, TransUnion, and XXXX regarding this inaccurate information. Despite providing sufficient evidencesuch as the settlement offer email, proof of payment, and documentation of the incorrect reportingthe credit bureaus failed to : 1. Properly investigate my disputes.

2. Remove or correct the inaccurate information.

This negligence has caused severe damage to my credit score and prevented me from accessing financial opportunities. Their lack of action violates the Fair Credit Reporting Act ( FCRA ) and undermines the integrity of their dispute resolution process. 

What Happened : XXXX offered me a settlement agreement for {$6000.00} in XX/XX/year>. 
I made the payment on XX/XX/year>, and XXXX confirmed the account would be reported as paid in full for less than the full balance. 
XXXX, however, has reported the account as charged off and delinquent monthly since XX/XX/year>. 
I disputed the inaccuracies with XXXX, TransUnion, and XXXX, providing evidence to support my claim. 
Despite this, the credit bureaus either failed to act or updated the information incorrectly, leaving the negative entries on my credit report.
Product: Credit reporting or other personal consumer reports

Questioned the reported items. 

XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  Requested statement & notices from 1637 B proof. Reported payment failure to be delivered 21 days or less before the payment due date. Without this presented documentation the specific conditions of the reported late payment is inaccurate & I demand it be removed. 

Equal credit opportunity act ; 15 U.S.C. 1637 ( B ) 15 U.S. Code 1666b 15 USC 1681n :
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$510.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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. 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 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

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : P. O. Box XXXX XXXX NC XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX of XXXX. I saw some hard inquiries that did not have permissible purpose. 

XXXX. XXXX XXXX XXXX XXXX & XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX & XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX XXXX XXXX & XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit card

My credit score went down XXXX points and I was shocked to see that happen and the I saw that there was a card under my name that I didn't open l
Product: Credit card or prepaid card

I am contacting you regarding a fraud claim I have with my bank of america better balance credit card. I am really hoping you can help me with this because so far all my claims keep getting denied. On XXXX of 2020, someone used my credit card fraudulently to make 5 purchases on XXXX XX/XX/XXXX for XXXX. XX/XX/XXXX for XXXX. XX/XX/XXXX-XXXX. XX/XX/XXXX-XXXX XX/XX/XXXX-XXXX. I have contacted the fraud team several times to open a case and every time I am denied even though it is clear that I did not make these purchases. I was slow in reporting these to B of A because I do have a an XXXX XXXX account and my sons sometimes order stuff for me on their when I ask them to. At first, I though this was the case. After speaking with them, I realized it was fraud. Moreover, I contacted XXXX and they told me that they see that theses charges were not made from my XXXX account. They could not provide more information because the account does not belong to me. The scammers used my address to ship the stuff they purchased. If you google it, you can see its a common scam for them to use the correct billing address as the shipping address. Luckily, I was able to get the packages before they attempted to steal them from my porch. I sent the packages back to XXXX via XXXX and provided the tracking numbers to Bank of America. As you can see from your records of the tracking numbers, XXXX is now in possession of the merchandise. As result, I think I am entitled to a full refund. I have done everything Bank of America has asked of me including filling a police report. I have been a customer for over 20 years and I am pretty disappointed with this experience.I have stopped using my credit card.
Product: Credit reporting or other personal consumer reports

I NOTICED A FRUAD ACCOUNT LISTED ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXX Account that is currently on my credit history that is not my account. I have worked for numerous hours with TransUnion ( Credit Reporting Company ) and XXXX XXXX to get this matter resolved. Both companies have given me no help even though XXXX has confirmed I have no account that is in default or should be in collections as indicated on my credit report. This has resulted in my credit score being over XXXX now XXXX. HELP NEEDED
Product: Credit reporting or other personal consumer reports

Experian allows 3rd party agencies to continue reporting unfair debt practices to my credit file that are error and obsolete. I have not gotten any verified information that that have used to verify that the debt belong to me. 
There are several accounts I have disputed and they refuse to mail me the verified information. 

XXXX Account information # XXXX Closed acct Date open XX/XX/year> Acct type charge off {$730.00}
Product: Checking or savings account

On XX/XX/2018, Bank of America closed my checking account without my knowledge. Also, BofA cleared my account for {$200.00} and supposedly sent this check to me which I never received. Prior to the closing of my account, I had 2 pending charges via debit card totaling {$210.00} which posted the day after BoA closed my account. This action by BofA caused me to be overdrawn by {$210.00}. Because my account was abruptly closed and because of BofA 's negligence by not taking the time to look at the pending transactions from my account, BofA caused my account to be overdrawn on top of inaccurately reporting this to both XXXX  and XXXX XXXX XXXX. BofA is claiming I owe them {$210.00} which in fact they owe me {$200.00} for the money that was in my account prior to closing. I have spoke w/ BofA about this issue and requested they look into the check they claim they mailed to me. BofA did confirm the check that was issued to me in the amount of {$200.00} was never cashed. I also explained to customer service rep that because of the nature of the situation, BofA is inaccurately reporting me to XXXX  and XXXX XXXX XXXX  and requested that the inaccurate information be removed from both reports. BofA said they is nothing they can do about clearing the balance that I owe them or clearing XXXX  or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIDATA was collecting a debt on behalf of  XXXX  which I paid in full. Upon me making in full, they agreed to remove the derogatory account from my credit report ; which they have failed to do. I paid the account off in full, and would like them to keep the part of their agreement to have it removed from my report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX XXXXXXXX regarding the account that do not belong to me.
Product: Credit card or prepaid card

I disputed an XXXX charge of {$570.00} with Citibank. I received a temporary credit and was sent a letter via mail from Citibank which I mailed back. Citibank has since be rebilled me for the charge stating they never received my response which is ridiculous. It also instructed me to follow up with the merchant which was the reason for the dispute because the merchant refused to cooperate with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified on XX/XX/2023 by XXXX credit bureau of a delinquent account from Eastern Account System, Inc. on behalf of XXXX XXXX XXXX. 

I do not/have not had an account with XXXX XXXX XXXX, and I have no affiliation with the reference to address in XXXX, Florida. 

This is not my account and somebody is using my name and information fraudulently.
Product: Checking or savings account

I had an on going complaint about an employee named, XXXX. I thought going to the XXXX would resolve issues. After all XXXX was controlling his clenched fist from punching me. The General Manager at the time was an old hang named XXXX. I text led her what XXXX was all about and her reply.., I trained with XXXX. Hes excellent and polished. There will not be any negative actions brought to his attention. Bye now, you will leave now. XXXX even went two steps further and called the XXXX police and had a restraining order put on me. Had Bank of America security team ban me from all BofA locations in the USA. And just to be a royal pain in my XXXX. She said I was threatening her along with harassment??? IM NOT THE XXXX  XXXX  THAT SWEARS SHE IS STILL XXXX. Please woman your pushing your XXXX! Easily! I had to get a new bank cause my checking account was immediately closed and guarded heavily as to give a reason why? Oh my goodness XXXX I called you a bad name. Even the cop chuckled!
Product: Debt collection

Had XXXX, 2 total XXXX XXXX  and XXXX. Lease was up on my apartment and had to move. Put trash at the XXXX trash section apartment manager said i was getting my security deposit back. Apartment manager kept my deposit and charged for putting the trash at the XXXX trash dumpster. I have pics, emails, documentation. Dropped my beacon score XXXX points. Contacted XXXX XXXX, XXXX and the collections agency to no avail. The apartment complex is known for doing this. Professional debt mediators and XXXX XXXX apartments in XXXX and XXXX XXXX Florida respectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agreed to a settlement that was applied to XXXX XXXX Bank XXXX account XXXX in XX/XX/2017. I was told that account would be reflect paid in full and within 30 days it would be deleted from my credit reports. I have contacted company several times and no one will assist. I am told that no record exists.
Product: Money transfer, virtual currency, or money service

I opened an account with the Crypto.com app last fall to invest small amounts into cryptocurrency. I only purchased cryptocurrencies with about half of the money I deposited into the account through a bank ACH transfer. As the U.S. dollars are sitting there unused, I decided to transfer them back and put them to better use. When I tried to transfer back, the only option was to provide my bank username and password to a third party that says it will make the transfer for Crypto.com. There should only be a need for the routing number and account number but they refuse to send my funds back unless I provide the third party with my bank username and password. As they refuse, I have now asked to close my account and return any proceeds to me by check through the mail. They refuse to do so and say the only way for me to get my money back is to provide the third party with my bank account log-in information. I have communicated clearly through their chat function and email as there is no phone number I can call. 
To be clear, this isn't a complaint about cryptocurrency investing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Statements on these credit files I have requested for them to be removed along with the fraud alerts from my credit file in XXXX XXXX with Transunion, XXXX and XXXX. and they have never been removed. 

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING ANACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX # XXXX # EFCRA  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT # XXXX # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. XXXX XXXX ALERT : I AM CURRENTLY ON XXXX MILITARY DUTY. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX. 

XXXX : XXXX XXXX ALERT. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX CELLULAR XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports