23daVinci/CFPB_Complaints huggingface dataset:
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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The collection accounts on my credit report is fraudulent and do not belong to me i have recoeve no communication from these companies about me owing a debt. I have no affiliation with XXXX 

According to the FCRA ; The credit bureaus are reporting inaccurate information on my credit report their is a collection that is reporting as opened.. Company XXXX XXXX been reported as opened, XXXX XXXX XXXX.
Product: Mortgage

This complaint is about the Attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I XXXX XXXX XXXX previous account # XXXX was told by Wells Fargo Mortgage that the Foreclosure was suspended. I am on a pre-modification at this time. I have made my first payment XXXX XXXX 2016. and will be making my second payment Febuary XXXX 2016, I have received a XXXX Court Letter from Wells fargo attorney Stating They were not informed of any Suspension court date is XXXX XXXX 2016.
Product: Credit card or prepaid card

Avant lowered my credit limit from {$1000.00} to {$250.00} without notifying me. The limit decrease was done sometime in late XXXX or early XXXX. When I logged into the account the limit had been lowered so I requested a copy of the credit card agreement. I received the credit card agreement in XXXX. On XX/XX/XXXX XXXX weeks after I received the credit card agreement I received a letter back-dated to XX/XX/XXXX stating that the company had lowered my credit limit due to a credit report that they had pulled. The company did not provide me with a copy of the credit report that they used to determine this information. My balance with Avant has been paid in full every month as have all of my other credit cards. There is no new information on my credit report showing negative behaviors. This credit card decrease was made in bad faith and then intentionally hidden which is fraud. I have never failed to make the minimum payment. exceeded my credit limit, used my account for an illegal transaction, had a new bankruptcy, and I have complied with all terms within my credit card agreement.
Product: Mortgage

XXXX/XXXX/XXXX HUD Short Sale Approval Notification Received. 
Sale Amount Approved- {$180000.00} closing date scheduled : XXXX by Lender closing date changed to XXXX by buyer atty due to late approval by lender for buyer XXXX/XXXX/XXXX Closing Disclosure was incorrect. It indicated fees required by seller. This was a short sale transaction and seller was not responsible for fees. A corrected copy was was never provided but seller was assured it would be provided at closing on XXXX I agreed to a {$1000.00} deduction from my relocation check, the seller and buyer agent also agreed to a deduction as well from their commissions In order to make up this amount. In addition, a partial payment of {$1000.00} that I made previously was not refunded to me. I was told it would be applied towards the short sale. I saw no evidence of this amount listed anywhere on the closing disclosure.As requested by XXXX XXXX, I provided a signed letter indicating I agreed to the {$1000.00} deduction form the relocation funds. Once numbers were calculated, the short sale specialist advised there was {$2600.00} deficient.In order to get the short sale completed. 


XXXX/XXXX/XXXX I also signed a 4T-agreement which was submitted to the buyer agent.Since the closing date has to be changed to XXXX. Seller and buyer arrived to closing on time. Placed in separate rooms paperwork signed by buyers. Sellers left in a room for 3 hours and finally told to leave. no paperwork signed and keys to house remained in sellers possession.The Short Sale Specialist XXXX XXXX became increasing frustrated at the constant back and forth with the attorney ; she then indicated it would easier to decline the short sale and just place the house in foreclosure. This was communicated via phone and possibly email to the seller agent. 

XXXX/XXXX/XXXX XXXX XXXX indicated he numbers were correct just wait on her final approval. After 6 hours of waiting and constant contact by the attorney and seller agent, XXXX XXXX then advised she did not have final approval authority it had to come from " her boss ''. 

XXXX/XXXX/XXXX As a result of this delay. I have incurred additional storage fees of my household goods now totally {$350.00}. I have also incurred hotel fees now totally {$280.00}. Meals have now totals {$75.00}. Despite allegation that the process is being rushed, it is now becoming obvious that Carrington MS is stalling in order to place the house in foreclosure and cover up their lack of attention to this matter. We were notified today that a reply from HUD is pending which appears to be evident that the process is starting over. I still have keys to a house that was approved for a short sale and because of the lack of due diligence on the part of the lender, this will now cause the approved buyers to loose out on a purchase and the seller to suffer the consequences of a foreclosure proceeding. 

A close look at Carringtons business practices needs to be examined for abuse, excessive delays and unjustified threats to the determine of the homeowner. The emotional and financial stress this has caused is unmeasurable.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

Hello Sir, I hope this mail will find you the best of health. I am a XXXX citizen and residing in XXXX. Actually, i had transacted some crypto currency of amount almost XXXX ( Above XXXX $ ) Bitcoins to mistakenly generated bitcoin cash address. The Receiving Wallet Address generated by me was of Bitcoin Cash ( XXXX ), But the amount transferred was Bitcoin ( XXXX ) by the sender. Funds was transferred from XXXX to Coinbase channel. So, the sender sent XXXX to XXXX wallet address, which was generated by me. My amount is blocked at Coinbase end because XXXX showing XXXX confirmations of my transaction. I had mailed the Coinbase support team and explain them about my issue. But Coinbase team didnt bother to respond to my mails even the Lapse of 30 days. Further, I had also tried to explain them through call about the entire issue, but they did n't resolve my issue after the lapse of considerable time. Therefore, I am complaining through this channel to take action against XXXX to redress the grievances and issues of a lot of people, whose amount is blocked at coinbase 's end. 

Additional Information : Company Name : XXXX My Email : XXXXXXXXXXXX Transaction Hash : XXXX Receiving Wallet address ( BCH ) : XXXX Transaction Date and Time : XX/XX/XXXX, Between XXXX Transferred amount : XXXX XXXX Coinbase Physical Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX i have noticed fraudelent accounts on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 
Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$18.00} {$18.00} {$18.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$610.00} {$610.00} {$610.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1000.00} {$1000.00} {$0.00} Credit Limit : {$1000.00} {$1000.00} {$1000.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

An ex spouse of mine, unbeknownst to me, listed my name as a resident of a weekly hotel rental in XXXX XXXX, NV that in which was residing at the time. I did not reside there and hence am not responsible for this debt.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My business was ran thru my personal checking account.. I got overdrawn by {$25.00}, the first time ive ever been overdrawn, stayed in contact with the bank to let them know money is coming its just 2 months late. Friday eve at midnight they charged off the account, no warning, even apoligized later that they didn't call prior tho I had been in contact with them and " everything is fine '' according to customer service. Monday morning my deposit hit, {$9300.00} and I call them to reactivate the account and they wouldn't they had to wait for it to close and I could reapply. I said well where can I pick up my money im going to bank elsewhere! I was given this run around that it would take 3 days to close, I would for sure have it released Thursday. 

I called daily and asked status, I was told a different story each time I called until one lady slipped up and told me I wouldn't be getting my money bc its fraudulent I would have to wait for a 15 day investigation. Im livid at this point. CapitalOne is my checking account, they are not the SBA nor are the my two lenders that procured the deposit. They have no business pulling something so shady when they could be focus on real fraud within their own bank. I need help getting my funds back so I can hopefully unflop my defaulted business before its too late.
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 ( 5 ), before the end of the 30-day 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 XXXXXX/XX/XXXX
Product: Credit reporting

Equifax investigation of my dispute of the following accounts : XXXX XXXX Bank, XXXX XXXX XXXX, XXXX Bank and MN XXXX, took longer than 30 days to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are all inquiry that I did n't give permission to run my credit credit bureau still report and inaccurate information XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lease XX/XX/XXXX cont XX/XX/XXXX bank XX/XX/XXXX I only applied to XXXX lines of. Credit and neither run your credit score to get approval it 's secured credit card
Product: Credit card

Chase bank for XXXX card charged me late fees due to me not paying them before XXXX. I never had a problem paying them via over the phone with their automative phone service. They just recently started charging me late fees. I told them that I am on XXXX time. They told me they did n't care and charged me anyway. They went up on my interest rate every month except for XXXX and XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Dispute Regarding XXXX XXXX XXXX ACCOUNT XXXX I am writing to formally dispute the presence of account XXXX on my credit report, which is inaccurately impacting my credit score. Despite my previous dispute and request for reinvestigation, the account has been verified with inaccurate information, which is in violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to accurate and verifiable information on my credit report. However, the information provided regarding this auto loan account is erroneous and is unfairly affecting my creditworthiness. 

Therefore, I am requesting the immediate deletion of this account from my credit report. Its continued presence not only violates my rights under the FCRA but also unjustly impairs my ability to access credit and financial opportunities. 

I expect a prompt response to this dispute and request, in accordance with the regulations set forth by the FCRA. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out several times to the transunion about disputing these fraudulent inquiries from my account. The inquiries are XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, and XXXX XXXX  XX/XX/XXXX.
Product: Credit card

We sent a cover up letter to Synchrony Bank using Identity Theft.gov 's letter format to remove fraud charges and late fees. Yet they haven't responded past the expected date which was more than 30 days ago. Identity Theft suggested that I fill out this complain form in another way to get this issue resolved. So far, there has been no resolution and Synchrony Bank continues to send me the bill with additional late fees.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX  % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX {$250.00} date opend : XX/XX/XXXX XXXX XXXX BALANCED {$500.00} DATED OPEN : XX/XX/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
Product: Debt collection

I have asked South West Credit Systems to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Debt collection

A " debt collection '' agency is trying to solicit payments on a debt to XXXX that I do not owe. The same number XXXX XXXX ) had called me on XXXX XXXX at XXXX and again on XXXX XXXX at XXXX. I returned the call at XXXX on XXXX XXXX. When I first got on the line, a woman told me her name and company too quickly for me to hear. She asked me to confirm my name, which I did. She then asked me to confirm my address, which I did not feel comfortable doing, so I asked her to repeat the name of the company. I typed the same into XXXX quickly, and realized that others have complained about solicitation of false debts. The woman on the line asked me to confirm my address, which I did. She had already known my correct full name and address, even though I have never shared this information with this company. She then informed me that I owe approximately {$600.00} to the company XXXX, which is ridiculously untrue. She asked how I would like to pay today, and I hung up the phone. I have since logged in to my account on XXXX 's website, which I made when I bought a dish for XXXX in 2012. My account shows no other purchases since the dish, and certainly no existing balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX has allowed XXXX XXXX  to share my social security number and address to Portfolio Recovery Associates for 2 alleged debts one which allegedly occurred on XX/XX/2011 and the other alleged debt on XX/XX/2011. 

These two alleged debts are without merit, because I never received a request for my alleged debt, therefore no debt validation. letter was ever provided. These alleged two debts are not only inaccurate, they are and never have been validated, they are a defamation of my character, they should be removed from my credit report effective immediately as the way the other credit reporting bureaus have removed these unvalidated alleged debts. This horrendous mark on my credit report especially during this pandemic is preventing me from trying to sustain a solid good credit background. I am requesting effective immediately they be removed. 

File # XXXX XXXX
Product: Checking or savings account

I deposited a check for $ XXXX on XX/XX/XXXX. 

The check was held for 7 days until XX/XX/XXXX. On XX/XX/XXXX the XXXX factor authentication system failed and I was unable to wire my finds. 

I reached out to the company 3 times with no success. 

I then proceeded to used XXXX transfers to send my money. The online account was then blocked on XX/XX/XXXX and some of the XXXX transfers were also blocked. 

I tried to contact them via phone on XX/XX/XXXX as the email said : " To restore your access to your online banking service, you can reach us at XXXX, Monday Friday, XXXX a.m. to XXXX p.m., or Saturday and Sunday, XXXX a.m. to XXXX p.m. XXXX Time. You can also reach us by calling the number on your statement or on the back of your ATM/debit card. Please note that for security purposes, we will need to verify your identity before reviewing any recent activity. '' Despite this after spending XXXX hour contacting them, I was told they are not actually open on the weekend and that I needed to call back on Monday. 

I then spent over 5 hours on XX/XX/14 trying to get the account unlocked. Finally they unlocked the account. 

I proceeded with another XXXX transfer and the account was blocked a second time. 

I contacted them XXXX more times spending over XXXX hour on the phone and they refused to unlock my account. 

Now they are saying that I XXXX XXXX to the nearest branch to get my account unlocked. The nearest branch is XXXX XXXX away from my location. 


I have lost out on over {$8000.00} in investment profits so far. And I expect to lose $ XXXX week that I am unable to access these funds. 


Please ensure that the bank allows me access to my funds and also compensates me for my losses due to inability to access my funds. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent over the official FTC report for identity theft to XXXX, they didnt delete the information, I will send the official FTC report of identity theft in this document. I also will include valid identification documents my social security card and a utility bill with my name and address on it. Once they get this information they need to immediately delete and stop reporting this information. I will also include the reference number to FTC report so they can look into this as confirmation that its the official document.
Product: Money transfer, virtual currency, or money service

I have a balance of {$2500.00} in my cash app and they have closed my account and I can not even log in to my account. Please help me get my money
Product: Credit card or prepaid card

In XXXX of 2019 XXXX took over control of rewards dispersal for their XXXX Visa card ( from Barclay 's ). They supposedly notified customers of the change in terms and conditions, however I did not receive notification. Apparently I can no longer apply my rewards to my credit card balance and MUST use them on XXXX services only. I have {$520.00} in XXXX cash rewards, which equates to over {$50000.00} in spending on that card. It is not feasible to use $ XXXX on XXXX services when I live in an area that DOES NOT PROVIDE XXXX SERVICES. I contacted Barclay 's today and was told I'd have to take it up with XXXX, since they can no longer disperse those funds. I've done everything I can to find some way to contact XXXX, however they seem to not want to interact with the public or provide customer service in any way.