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. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 GS BANK-GM Account Number : XXXX Please remove it from my credit report. 


5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never late - It was a deferred payment and was approved for deferremnt by them.
Product: Mortgage

My wife and I obtained a {$30000.00} HELOC from XXXX XXXX on or about XX/XX/XXXX. On or about XX/XX/XXXX, XXXX XXXX sold the loan to XXXX XXXX. ( see letter from XXXX XXXX, attached. ) Contemporaneously, XXXX XXXX transferred the servicing rights to Rushmore Loan Management. ( see letter from Rushmore Loan Management, attached ). 

On or about XX/XX/XXXX, my wife and I applied to refinance the HELOC with XXXX XXXX ( now Truist ). As part of the underwriting process, XXXX had a third-party vendor run a title search on our property. The title search revealed that on or about XX/XX/XXXX, XXXX XXXX recorded a lien against our property in the amount of {>= $1,000,000}. ( see attached email from XXXX, with title excerpt. ) The only secured loan that we have ever obtained from XXXX XXXX is the {$30000.00} HELOC ( though we have an unsecured credit card with them as well ). XXXX XXXX has never sought or obtained a judgment against my wife or me of any sort, let alone for $ XXXX. XXXX XXXX has no basis for encumbering our property with a $ XXXX lien. 

XXXX understandably refuses to complete the refinancing process until the $ XXXX lien is removed. I have sent written requests to XXXX XXXX, XXXX XXXX, and Rushmore requesting that they remove the lien. I have not heard back from any of them, and to my knowledge my property is still encumbered with a $ XXXX lien. 

I would like to resolve this matter expeditiously and out of court, so I am once again asking that the lien be removed from my title.
Product: Mortgage

on XX/XX/2020 we applied to Laon Depot for a refinance..they had not sent us a copy of the appraisal that we kept telling them there  seemed to be a problem.. finally on XX/XX/2020 we received a copy of the appraisal.. and that was when we found the problem.. the appraisal was NOT for our property.. they used our address, but the pictures & written description of our property are not one & the  same..and as of todays date XX/XX/2020 we still have never received a copy of a corrected appraisal. ( Loan Depot had done one on  XXXX which was the correct address, written description, & pictures ), so we do not understand why they are not seeing that the  appraisals are TOTALLY DIFFERENT PROPERTIES, per county tax records.. We have complete documentation including emails etc.. back & forth from us to Loan Depot, and as of today 's date (  XX/XX/2020 ) .. this has still not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED MY CREDIT REPORT ON XX/XX/XXXX XXXX AND NOTICE THERE WERE HARD INQUIRIES THAT DONT HAVE PERMISSIBLE PURPOSE TO BE ON THERE .THESE HARD INQUIRIES ARE HURTING ME FOR GETTING APPROVED. I ALREADY REACHED OUT TO THE CREDIT BUREAUS ABOUT THIS MULTIPLE TIME THEY KEEP VIOLATION MY RIGT UNDER 15 USC 168. I ALSO HAVE ATTACHED. THE HARD INQUIRIES THA DONT HAVE NO PURPOSE TO BE ON MY REPORT
Product: Checking or savings account

15 years ago, while living in XXXX Illinois I had a 5/3rd account, chec/ saving with overdraft protection. I over drafted my checking by XXXX cents I was notified by 5/3rd that I had 24 hours to bring account current, please note there was 10-15 dollars in savings account during this time. I went to ATM in XXXX XXXX and put XXXX dollar into checking account for the XXXX cents. I contacted Vp of account services XXXX XXXX or XXXX for XXXX XXXX and my banker on XXXX XXXX and XXXX XXXX XXXX. Now 5/3rd is suing me with threats about shutting down my checking privileges due to their error. I have tried calling staff wont give corporate number or contacts, refusing to give appropriate info, letter written to XXXX XXXX or XXXX. Their lawyers number is XXXX XXXX now they are saying I over-drafted my account by over XXXX. 5/3rd was paid their XXXX cents in a timely manner and they kept the money in accounts when I closed them years ago. Please help!!
Product: Credit card

This is for a XXXX XXXX XXXX. Due to 60 days past due from me being XXXX, due to a XXXX  XXXX XXXX restricted my card. My mom sent payments in manually to the mailing address for cXXXX. I have never been late prior to my XXXX  XXXX  in XXXX XXXX, I had an exceptional payment history. I ask XXXX as goodwill to reverse the 60 late reporting and they refused even though i had exceptional payment history with them. This is no way to treat customers that were injured but still manage to pay their bills on time. I will like someone to look into my account and attempt to reverse the 60 days late reporting.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern : I am writing to file a complaint against PayPal regarding an unauthorized transaction and subsequent denial of my dispute. 
On XX/XX/2024 ], I made a payment of {$250.00} through Cash App to an individual with the XXXX XXXX XXXX who promised to repay me days later on Monday. This repayment never occurred, and the individual instead began harassing me with requests for additional money in exchange for XXXX favors. I immediately blocked this person and reported the incident to both XXXX XXXX and PayPal. 
My PayPal dispute was denied, despite clear evidence of the fraudulent nature of the transaction. PayPal is now threatening to debit my account for the {$250.00} chargeback, which would result in a negative balance. 
I believe this transaction violates the Electronic Fund Transfer Act ( EFTA ) due to its unauthorized nature. Additionally, the broken promise and subsequent harassment may constitute a violation of the Rhode Island Deceptive Trade Practices Act ( RI DTPA ). 
I am requesting assistance in resolving this matter and preventing PayPal from debiting my account for the unauthorized chargeback. As of today they have gone ahead and debited my account anyway.
Product: Debt collection

I wrote to the company that it was a bill coding error, they fixed it on their end and resubmitted it to the insurance company. Then they let me know there was no patient responsibility. I checked my XXXX XXXX XXXX  account and there is XXXX balance
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX I had some returned payments i made a payment and hat to close my banking account do to it being compromised and some payments got returned but i tried many times calling Capital one for several days to get the situation resolved i sent them payments through my new accounts so the account is paid off completely and they charged me for the return payments and thats paid off they kept telling me that my card was on a XXXX day hold to make sure the funds was there then they would release the credit but it did not happen kept calling back talk to managers then they told me they closed XXXX of my accounts and they could never be back open cut the cards up i think this was unprofessional unethical that they would not try to help me in any way i was trying the best that i could and i talk to my daughters and friends and they said they had return payments and they never done that please help me understand why was i treated in this manner and why would they not want to resolve this issue with me
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted two representatives on two separate occasions in order to get this rectified at ALLY. The lease was PAID IN FULL back in XX/XX/2021 and the leasing company ALLY continue to report a balance and OPEN account.
Product: Debt collection

We keep recieving letters of collection regarding an amount that has been turned over to a collection agency from Paypal. The account in question belongs to our son who is a minor and who was unscrupulously taken advantage of by another Paypal member. The account has been placed in collection, and we assert that he is not, nor can be held accountable for this amount due to the fact that he is a minor and not able to enter a legally binding contract. Despite this explanation both written and verbal to the collection agency charged with collecting the debt, we continue to receive demand payment letters.
Product: Checking or savings account

In XXXX I started an XXXX and opened a business checking account with TD Bank putting {$500.00} of my own money in the account. I never did anything with the business or the account as the business never got going. 

Recently, I have been contacted by a debt collection agency saying that not only is the {$500.00} that I used to open the account with gone, but I apparently I OWE another over {$500.00} and change to TD Bank? I never received any notification by mail, email, or ANYTHING saying they closed my account, I owed them anything, OR that it was placed in collections. Since I never did anything with the business or the account I can only assume that the reason why TD Bank says I have a balance is due to numerous bank fees getting charged over and over again until the account was negative over {$500.00}. This is scam worthy behavior! 

I XXXX XXXX XXXX XXXX  and had some XXXX XXXX XXXX My welcome home gift from TD Bank was/is unauthorized and stressful collection calls and texts for an account that I never did anything with. It is horrible that a business can charge tons of secret fees, and unknowingly place you in collections! This is completely taking advantage of people and should be illegal!
Product: Debt collection

Synchrony bank calls all day from XXXX until XXXX at night. This has gone on since XX/XX/2018 to present day. I usually take the phone off the hook to rest or sleep.
Product: Credit reporting, credit repair services, or other personal consumer reports

In compliance with the Fair Credit Reporting Act, I am submitting this CFPB complaint to ask the credit bureaus to delete the inaccurate accounts from my credit file. All of this has been a struggle, therefore I am filing this CFPB complaint to ask the credit bureaus to stop reporting the inaccurate accounts to my credit file. I am now requesting further information about these specific items in question since I am not confident that enough was done to genuinely contact the creditors/agencies who are reporting this information on my report : XXXX XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/2020 XXXX  XXXX Balance Owed : {$0.00}. Please conduct another investigation and send me the credit history as shown by the merchant 's letter that is connected to my credit report.
Product: Debt collection

I haven't supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I presumethat no proof of the allege debt, nor therefore any XXXX such debt, in fact therefore exists
Product: Credit card

Hello, I am submitting a complaint on Citi bank, they closed 2 my credit cards without any warning or reason. I have XXXX XXXX XXXX XXXX with citi bank and citi XXXX XXXX credit card. I was able to use my cards previously without problem, I was doing my payments on time. I haven't received any letter, I haven't received any paperless notification in my online banking and I checked my accounts yesterday and saw that they are closed. Please help me understand why they closed them and help me to reopen it. I suspect that they did it because of my XXXX, because there were previous cases when they would close cards of XXXX  customers. Please help me, if I know earlier that they behave this way to their customers I would have opened card in another bank, but as I have already opened card with them I want them to be reopened. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take an action with this innacurrate accounts.
Product: Debt collection

As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this Transworld a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.
Product: Credit reporting or other personal consumer reports

Fraudulent Accounts are Attached to the FTC Consumer Report
Product: Credit card

Destiny Mastercard owned by Concora is charging XXXX per month on late fees. I asked for a refund since the law passed in XXXX for the excess. The customer service representative refused and said the fees are applicable.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX Transunion. XXXX XXXX XXXX
Product: Debt collection

Hello, I'm not turning to the CFPB to aid me in finally recovering from this nightmare. I'm being asked for {$430.00} for a hospital bill that does not belong to me. I have not been to any hospital and ever since XXXX, me and my local police department have been trying to remedy the situation. 

I'm not sure what's going on, but I've gone back and forth with the hospital. Following sending them my I.D . and documents, they ceased to respond. What's going on now globally does not make this any better. 

Please aid me in recovering from this tragedy! At this point I am just ready to sue the bureaus and collectors involved. I've reached out to the creditors as well as to the bureaus. What 'was incorrect ' was removed, excluding this 1 creditor. I did send a certified letter with tracking in XXXX. And aside from that, have sent it to the bureaus. 

Please remove this ridiculous account from my credit report immediately. It's such a ridiculously small amount, if it were mine I would've paid it! I base a salary of {$70000.00} a year. This is NOT my account!
Product: Mortgage

In Need bank of America to respond to my petition to send me a RESPALDO AND TILA FROM THE ADDRESS XXXX XXXX XXXX XXXX FLORIDA XXXX I REQUESTED THIS BEFORE AND THE BANK HAS FAILED TO COMPLY WITH FEDERAL LAWS MY NAME IS XXXX XXXX   XXXX XXXX. 

I'm requesting especial acomodacin under the American XXXX  Act for tilted 1 to 5 under the United States Department Of Justice
Product: Credit reporting or other personal consumer reports

Failed to provide a 1099c as this account is reporting as a written-off account, Recently, I looked at a copy of my credit report and noticed several incorrect accounts. These accounts adversely affect my credit report and cost me thousands of dollars in interest annually. I understand that you will investigate these items for me to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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

I sent my letters off on XXXX XXXX XXXX I told the bureaus to investigate every piece of information on my accounts I listed before on the date I just mentioned on XXXX XXXX XXXX According to the FRCA the term of investigative consumer report means a customer report or portion thereof in which information on the customer 's characters, general reputation, personal characteristics, or made a living is obtained through personal interviews with neighbors, friends or associates of the customer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information they stated my accounts were verified/updated but how is that possible if they did not do an proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 percent accurate and according to FRCA 15 USC 1681 everything has to 100 percent accurate.
Product: Student loan

I have received information from a debt collector about a student loan I never received. this collection agency AllTRAN EDUCATION , INC, XXXX XXXX, XXXX OK XXXX, PH : XXXX, FAX:XXXXXXXX has interrupted my Federal income tax many time for collection of this unknown debt I have incurred. I have viewed the document ( promissory note ) and the signature is not mine, but a forged signature of my name and a forged description of my social security number. The date that is stated of such signing is a date that my actual accountability can refute.
Product: Credit card or prepaid card

On XX/XX/XXXX, Chase charged an annual fee of {$140.00} related to Southwest Rapid Rewards Priority Credit Card where primary benefits of card are related to air travel on Southwest airlines. In the vast majority and halfway thru XXXX, these benefits have effectively been useless as most including myself have chosen to abstain from air travel due to Covid. I have requested numerous times to please waive this fee for the year as the primary benefits were unusable. They have declined and I believe it unethical to charge for benefits that were mostly unavailable.
Product: Debt collection

My bank account with TD bank was levied for all the money/balance. I was informed that " Midland Funding '' LLC was behing this levy on my account. A sheriff court officer supposedly provided a supeona to my bank. I don't recall ever signing off and acknowledging any debt for the over {$3000.00} I supposedly owe. I would like to know who the origicanal creditor is of this debt. I have read many other complaints online in reference to this Midland Funding. Perhaps I will speak with an attorney about this levy. In the meantime I was told to inform FTC. I assume perhaps you all have received complaints about this company. Please see the following websites where other people have complained. This company needs to be investigated. It seems like they are attempting to collect on very old debts. Please take a look at the following complaints on a few websites that I visited. XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX