23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Received a letter from Citizens Bank in late XXXX of this year ( 2020 ) informing me my accounts would be closed with no reason given. I had been a customer for over ten years with an account in good standing. I emailed the CEOs office to try and get an explanation or reverse the decision, but they treated me like I was just a waste of their time. Ive done nothing wrong. Something is seriously wrong with banking regulations if banks are allowed to do this. Only XXXX  and XXXX  should be treated like XXXX  and XXXX, not innocent customers.
Product: Credit reporting

There is a address for : XXXX XXXX XXXX, MI XXXX However this address does not belong to me or have I ever lived there. This is a home to my father and mother and my father and I have the same name, but i have no ties to this property.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these items are inaccurate and that you violated the FCRA by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.
Product: Credit reporting or other personal consumer reports

Never provided evidence never comply with instructions when presented with laws to prevent misconduct ignores identity theft reports and police reports Denys right to block fraudulent information 90 day or more of violations causing unnecessary damage to my life and ability to obtaining credit to pay my needs
Product: Consumer Loan

This loan was initiated with a bank in XX/XX/XXXX, which then sold the loan to XXXX, which then sold the loan to XXXX XXXX XXXX, which then sold it to Green Tree Servicing LLC. This last transfer happened in the first fall-out of the mortgage-lending crunch/bad debts/people losing homes, etc. -- before all of the programs to help owners keep their homes. When I realized I could no longer keep the house, I tried to place it with rental management companies ( in XX/XX/XXXX ), but no possibilities there. I then tried through Green Tree Servicing LLC to have them take the house/loan back, but was told that since I had moved out of the house and out of the state and gone where rent was less expensive, that it was now 'rental ' property and did n't qualify for them to take the property over. I contacted a realtor that specialized in 'short sales ', but Green Tree Servicing LLC would not deal with this realtor, but instead sent the house for Sheriff Sale. The house originally was purchased by me for {$250000.00} in XX/XX/XXXX. After 4 years of my paying approximately $ 2,000/month, Green Tree Servicing LLC sold the house to itself for {$200000.00}. So, I lost the house, lost my credit standing, have been scrambling ever since to live, support my children and have them grow without the sword of Damocles forever overhead. In checking with one of the credit bureaus, I see Green Tree Servicing LLC making periodic, new adverse reports against me as if I keep defaulting on a debt. Is this even legal/legitimate?
Product: Debt collection

HARRIS & HARRIS LTD is trying to claim I owe {$460.00}. No services were rendered for any amount totaling {$460.00}. XXXX XXXX XXXX has been harassing me about a debt that I do not owe. They are in direct breach of the Fair Credit Reporting Act - Section 617. ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; Therefore this hit on my credit is affecting my ability to be seen accurately for jobs, and having a disability - making it extremely hard to function day to day. HARRIS & HARRIS LTD has been negligent in taking this false debt off of my credit reports, and I need this company to be notified and to remove these, asap. I have sent letters to the company and also filed this with the Attorney General 's office and the XXXX XXXX XXXX 

HARRIS & HARRIS LTD is also in Violation of the FCRA SECTION 15 U.S.C 1681 Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 
Purpose : The FCRA ensures the accuracy, fairness, and privacy of information in consumer reporting agency files. 

Violations : Creditors must provide accurate information to credit reporting agencies ( 15 U.S.C. 1681s-2 ( a ) ).

Furnishing incorrect information, whether intentionally or due to negligence, can violate this section. 


Therefore, this needs to be removed off of my XXXX, XXXX, AND XXXX reports ASAP. 

They are furnishing information as a " XXXX XXXX '' at an address that I have never lived before.
Product: Debt collection

This debt had already been taken off from one collection agency and I was found not responsible for this bill by XXXX.this is the second time that XXXX has tried to collect a debt that wasnt mine they sold it to another creditor for collection after being told that this was not my debt.the new collection agency is credence resource mana XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I kindly ask for your help in investigating accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, which they agreed to, yet the late payments are still being reported. Despite contacting them, I havent received any updates, so this is my last option.
Product: Credit card or prepaid card

Opened dispute with CitiCard. After no response, created dispute with this agency XXXX and credits were temporarily provided. Citi has just informed me that, without any receipt, a company XXXX XXXX has " credited my account '' and they have reapplied a charge for {$500.00}. I do not have an account with XXXX and note that there have been several incidents of fraud notifications, related in some way to XXXX. 

I have escalated to Citi 's executive response team and awaiting a response, but this is absolutely unacceptable.
Product: Credit reporting or other personal consumer reports

I never went to court for XXXX XXXX they tried to put a eviction on me but I never signed a lease with them I moved before they brought the property and they tried to take me to court but couldnt so they dismissed there case and now its showing up on my credit and its causing me and my children to be homeless due to this XXXX XXXX claimed they took this off my credit report but its still showing up and I want to depute this off my records
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$2800.00}.
Product: Debt collection

XXXX  has it documented that I opened this account in 2019. Absolutely false! I never initiated an account in 2019! After my bankruptcy I knew I couldnt get credit anywhere! I wish these credit reporting agencies STOP REPORTING FALSE INACCURATE information to keep scores low! 

I was never in contact with said debtor ANY time in 2019! I had absolutely NO credit in 2019 nor did I apply for ANY credit in 2019! I have screenshots to what XXXX  has posted and WISH they would QUIT CHANGING DATES on accounts I did NOT SIGN on said dates!!! That is ILLEGAL that is a total violation of my fair credit reporting! 

That is NOT my account I never initiated an account with a XXXX XXXX XXXX at no time in 2019! 

XXXX  just reports and post anything in attempts to hurt scores and reports! 

What ever account you have, its the wrong account because I was never in contact with the debtor in 2019!
Product: Vehicle loan or lease

I was a cosigner on a loan and the main person quit paying the note and I was unaware and before I knew I was getting a repossession letter in the mail and this was during the pandemic and they repossess the vehicle without even give me an option to do anything when I found out it was already too late they said
Product: Credit reporting, credit repair services, or other personal consumer reports

10 accounts are showing closed on my credit report as of XX/XX/2011. The loan amounts were paid and I asked the company to remove the accounts from my credit report as it has been over 7 years since the last time reported and over 11 years since I attended XXXX University. The company has failed to honor my request or respond and it is causing problems with my credit report and showing that I have all these account with Dept of Education and Nelnet when I don't.
Product: Credit card or prepaid card

My oldest capital one credit card since XXXX was close the exact few months, XXXX, XXXX and XXXX of XXXX. The months of the shutdown. Ive called right after to tell them about the situation that the entire county was already familiar with at the time and Ive gotten no where or no response at all. One rep told me since the shutdown and whatnot was happening they can just remove the account. They never did. It was just a simple card with a {$750.00} limit. My very first and oldest card. All I would like is for the card to be re-opened with age and on time history, which now may be way to late, or the account totally removed.
Product: Money transfer, virtual currency, or money service

Coinbase requires that I use a webcam to validate my account. I do n't own a webcam and the solutions they offered are inadequate.
Product: Vehicle loan or lease

All financial transactions and records are hidden from me It is my current automobile loan. 
. Unable to access payment dates records or any information related to my loan It shows the minimum information and they do not allow the consumer to have access to any of this information. 
This is in direct violation of consumer protection laws and federal laws under United States code.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has  XXXX  accounts on my Transunion and  XXXX  reports that are over the seven year period.
Product: Mortgage

I applied for a FHA Mortgage through Southeast Mortgage of Georgia. The night before our closing date, they informed me that I was denied of the financing, due to insufficient income. I changed jobs almost 3 weeks before my close date, but they didn't say this was an issue until the night before closing. They asked if my wife could be added to the loan, and we told them it was a possibility but not something we wished to do, or we would have done so from the beginning of the application process. They asked for some financial documents ( pay stubs, bank statements, a picture ID, property tax information and a mortgage statement for our current home ), which we provided, but never mentioned pulling her credit. After providing the documents listed above, we were informed on the XX/XX/XXXX that we still would not qualify, due to our Debt To Income Ratio. They then pulled her credit at all three Credit Bureaus, XX/XX/XXXX and XX/XX/XXXX, without our verbal or written consent. 

My wife is subscribed to a credit monitoring service and this is how she was notified of the inquiry. No one from Southeast Mortgage ever told us they were pulling her credit, nor was this necessary due to us being unqualified. This is a serious violation and we don't want this to happen to other borrowers in the future. We appreciate you looking into this matter.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and upon that realized i had damages specifically the ones listed below from each credit company, these are damages on my report and according to the 15 u.s.c 1618, I should not have any unauthorized damages on my report, below states each one that is on my credit report. 


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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I had an accident. My back and left arm were injured, and my car was totaled lost. The accident happened because of bad weather. XXXX XXXX was foggy and wet. The police report does not say the accident was my fault. However, Lexis Nexis shared this wrong information with the insurance company. Because of this, I have been charged high premiums since XXXX. This needs to stop immediately. If this information is not fixed in my consumer file, I will speak to my lawyer. I may also file a lawsuit against your company for reporting wrong information on my consumer report. 

In XXXX, I asked not to share my personal information with any third-party company. I noticed that your company did not follow my request. This goes against the law of the consumer reporting agency. 

Please find the attached evidence.
Product: Credit card

Capital One unilaterally closed my credit charge account on XX/XX/XXXX while I was traveling XXXX in XXXX, XXXX XXXX XXXX. I used the card to pay for a rental car " XXXX XXXX Rent A Car '' and one day later my account was closed without explanation. Capital One falsely/erroneously reported to the bureaus and myself that the account was closed " at the consumer 's request. '' I believe that Capital One 's decision to unilaterally close my account that was in perfect standing for 14 years was racially/religiously charged.
Product: Checking or savings account

They did not connect me when I went online after a lot of transactions Then they closed my accounts and did not return my money left in it Tried calling and talking never fixed anything or sent me a check Not good at all please help
Product: Credit reporting or other personal consumer reports

The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

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: Debt collection

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2013 I have had constantly fight with XXXX, XXXX  , & TransUnion to take inaccuracies of my credit report and at the same time I also been notified by all three companies. My information had been breached. They neglect to report properly so my scores stay low, when they report inaccurate information I dont get a descent rate on auto insurance. This is the impact of their negative practices
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit card

XXXX issued a charge in the amount of {$260.00} to my account from their member, XXXX. I did not receive any merchandise from XXXX. XXXX reached out to me via XXXX. I responded and advised the merchant to via XXXX they needed to file a claim with the United States Postal Service ( USPS ) per the USPS directive. The merchant did not mail the items from XXXX XXXX XXXX, Signature Required. The USPS could not verify they received the package for distribution to me. I never received the goods or services, yet Chase charged my account back the {$260.00} they originally credited me without notification until I received my statement today. It is not my fault the merchant tried to ship the package inexpensively and not ship Registered Mail, Signature Required. It was likely stolen in transit from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX -- -> : {$500.00} XXXX XXXX XXXX XXXX -- -> : {$4200.00XXXX XXXX XXXX XXXX XXXX -- XXXX : {$680.00}
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

XX/XX/2021 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Complaints : XXXX. XXXX XXXX XXXX, IA XXXX Dear Madam/Sir : Sallie Mae misleadingly and fraudulently advertises that it allows forbearance and/or deference in several instances but does not. This is not the first time I was promised that I would receive a deferment or forbearance only to find that it was not processed, thereby leaving me in a lurch and forcing me to make a payment I should not have needed to make. 

I was notified that Sallie Mae gave me two months of deferment but the deferment was not applied in time so I had to make a payment in order to ensure the positive reporting of my account.

Not only this but I was still relying on the two months of deferment that it promised me but just received a notice that I am two months behind on my account and that it will be reported on my my credit report as a negative account. 

By furnishing false and misleading formation to the Credit Reporting Agencies, Sallie Mae is in violation of the Fair Credit Reporting Act, Federal Debt Collections Practices Act, predatory lending laws, multiple additional consumer protection laws, and multiple CFPB consent orders. Sallie Mae has been the subject of numerous complaints and enforcement actions by the government.

I request that Sallie Mae process my loan requests as it should already have and suppress any negative reporting until this issue is resolved.