23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to you in my continued efforts to resolve a deeply distressing matter concerning inaccurate and unauthorized information on my credit report. The violations I will outline below, which have left an indelible mark on my financial well-being and emotional state, compel me to seek your assistance in enforcing the necessary legal remedies. The listed violations are as follows : Incorrect Personal Information : Incorrect Previous Address : XXXX XXXX XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Unauthorized Inquiries : Unauthorized Inquiry by XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX XXXX XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX XXXX XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX XXXX XXXX on XX/XX/2022 Account Inaccuracies and XXXX Without Proper Notice : XXXX XXXX Account ( Account Number : XXXX ) inaccuracies : Incorrect high balance Inaccurate date of last activity Reaged accounts Undated late payment Charge off listed as open Collection account with a limit Undated Late Pay and Charge Off Listed as Open : XXXX XXXX Account ( Account Number : XXXX ) Collection Account with a Limit : XXXX XXXX Account ( Account Number : XXXX ) The impact of these violations on my life has been profound and overwhelming. The inaccurate information on my credit report has hindered my ability to secure affordable financing for crucial life milestones, such as purchasing a home or a vehicle. It has shattered my sense of financial security, leaving me anxious and uncertain about my future prospects. The emotional toll of this situation is immeasurable, affecting not only my financial well-being but also my overall quality of life. 

I implore you to consider the emotional and financial distress that these violations have inflicted upon me. As I share my personal story, I beseech you to enforce the legal remedies available to ensure the accuracy and integrity of my credit report. In light of the violations detailed above, I kindly request that the unverified and inaccurate accounts be promptly removed from my credit report. This action is vital not only for my own peace of mind but also to uphold the principles of fairness and justice that our legal system is built upon. 

Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can assist me in resolving this situation and restoring my financial stability.
Product: Checking or savings account

Chase bank closed my account due to a check that I deposited for {$260.00}. Initially the check was on a hold, then the funds cleared, but then I was trying send a payment to my credit card and the payment would not go through. I called Chase on XXXX XXXX XXXX and they let me know that my account had been restricted and was pending closed within the next 24hrs. When I asked why, they said that they could not verify the maker of the check and subsequently results in the check being flagged and account being closed. Then after being sent to multiple people I was instructed to take this issue up with the payroll company issuing the check. I did and they sent me a confirmation showing that they funds has been posted on their end and there should be no reason for the bank to hold my funds. So I called Chase back on XX/XX/XXXX, and spoken to another person and he relayed that there was nothing he could do and there was no verification in their database for the maker of the check. Which was interesting to me considering this check is issued by XXXX a payroll company that partners with the XXXX XXXX. Studio in XXXX XXXX, CA. Which is where I worked and got the check from. He told me to keep calling back because the check could possibly he verified at some point. No specific date, or time frame. Just at some point, if not after 2 years the fund will be handed over to the state, in which they will deal with it. I gave him the office number for the payroll company, but he told me he couldnt call and verify because the number didnt populate in his database. So I asked him how I was ever going to receive my money if he or anyone else who works for Chase is not allowed to call unverified numbers. Again how am I supposed to receive my funds if they can not verify. Upon further inspection I saw my last name and address were spelled incorrectly in the check which leads me to believe I was flagged for fraud. I have contacted the payroll company and have escalated the matter to their higher ups as well. Chase also claims I will receive a cashiers check for the other balance I had prior to depositing the check.Thank you, and look forward to being in contact.
Product: Debt collection

On XX/XX/2024, I received a call from XXXX XXXX stating that I had an outstanding balance with XXXX XXXX XXXX XXXX. I explained to them that I have been unemployed for the past year with no income and that I was behind in all my bills and that I was working with XXXX XXXX XXXX XXXX to get financial assistance and that it took them 5 months to get me paperwork after me calling over 5 times. I was emailed the application on XX/XX/2024. I was told that it would take 90 days or longer to process. But in less than a month I started getting letters and calls stated that bills was turned over to the collection agency for payment. I explained my concern to XXXX XXXX, but I was told that they do not have anything to do with that. I asked could they help me get a job so that I can pay them because I was {$80000.00} in debt from being unemployed for over a year. I was told by XXXX XXXX that they will note the account. On XX/XX/2024, I received a letter from XXXX XXXX stating that I needed to call or write them by XXXX XXXX or they will put the bill on my credit report.
Product: Credit card

I wish to report a fraudulent offer by XXXX XXXX and Citibank, NA regarding a {$250.00} credit to be received on opening an XXXX XXXX card issued by Citibank NA. 

On XX/XX/XXXX I went to the XXXX XXXX website to book a flight from XXXX XXXX, XXXX XXXX to XXXX. On the XXXX XXXX website was an offer ( see attachment ) : Earn up to a {$250.00} statement credit Pay today {$890.00} Card statement credit - {$250.00} Total after statement credit {$640.00} XXXX applied for and was approved for the credit card. On the same day I purchased the flight for {$890.00} with a credit card other than the AAdvantage card, since I had neither the actual AAdvantage card nor the required AAdvantage card information. However, I did not receive the promised {$250.00} credit. I made complaints to both XXXX XXXX and Citibank, who refused my request for the credit because I had not used the Aadvantage card to pay for the flight. See attachments for their responses. 

This offer was fraudulent because : XXXX. The wording pay today implies that the offer was only valid for flights purchased on that date. 
XXXX. The offer did not state that the XXXX credit card must be used to purchase the flight in order to receive the credit. 
XXXX. Contrary to the statement in the XXXX XXXX response, the required XXXX cared information necessary to book the flight was not displayed, even for a few minutes. 
Even if it was displayed for a few minutes, this is not enough time to book a flight online, especially since I am XXXX XXXX XXXX and slower than I was previously. 
XXXX. Both responses state that, contrary to the pay today language on the website, the credit can be earned by using the card for future purchases on the XXXX XXXX website, but they do not agree on the period for which this would be valid the XXXX XXXX response states 12 months ; the Citibank response says 6 months. This implies that the offer was made in haste and not fully understood by the parties involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXXS OF ALXXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XXXX  - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Utilities XXXX XXXX Inquiry : XXXX. XXXX, XXXX Services, Not Elsewhere ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Telephone Companies ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Home Improvement ( XXXX ) XXXX AN XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New XXXX BANK Inquiry : XXXX XXXX, XXXX National Credit Card Cos . 
XXXX Inquiry : XXXX XXXX, XXXX Telephone Companies XXXX XXXX XXXX, XXXX. 
Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX XXXXXXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Services, Not Elsewhere XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX Loans XXXX. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Utilities Contact the inquirer : MAIL ONLY
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

On X/X/17 I applied at XXXX to purchase a vehicle, once approved and ready to take the final background Quiz, done through the public information system ( LEXISNEXIS ), my last name was spelled wrong by one letter. Upon calling and going through the automated messages I finally got through to the proper department. They told me the best they could do was file an investigation into the matter and would not put me through to a supervisor. They said the investigation would take 40-60 days and hung up at XXXX because the woman said the office was closing.
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : Southwest credit systems.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments on the accounts listed below. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or a customer service representative. 

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

I am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting it to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I demand an immediate correction of this account and compensation for the damages caused and thorough investigation in this account and appropriate remedies as per the law. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. Please help me correct this account : XXXX XXXX XXXX Balance : {$29000.00}.
Product: Credit reporting or other personal consumer reports

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 U.S.C 1681. 

XXXX XXXX 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  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 ) sections 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 persom kmows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I completed my IBRP application and have confirmation emails from student aid.gov on XX/XX/year>. My previous payment was around {$140.00} which I have been paying faithfully on time because I signed up for autopay. The new plan, the new SAVE plan is the one I chose. It estimated my payment to be around {$400.00}, as my family income has increased. Today MOHELA took {$1500.00} from my account. I called customer service because that is in no way what I signed up for. They had no even processed my application!! No record of it. The customer service person was kind, and agreed the situation didn't sound right. After putting me on hold came back saying something about there is an account " monitor '' that " checks on ability to pay on time '' and that's why they did that. She mentioned something about the promissory note saying they can do that. I mentioned to her I have applied for ( and am close to qualifying for PSLF ) She also said there is nothing they can do to refund my account but they put the account in forbearance until the application is processed. This behavior is not okay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX BLATANTLY VIOLATES SEVERAL FCRA regulations. XXXXXXXX XXXX XXXX XXXX account was CHARGED OFF on XX/XX/XXXX but XXXX XXXX XXXX XXXX continues to report it as a charge off every month in this manner updating it monthly. Not only that it also add additional charges/fees after charge off, so balance keeps Charge off account should not have any updates after it was charge off. This inaccurate information falsely manipulates statute of limitations, and proves that XXXX XXXX XXXX XXXX deceptively report incorrect information to credit agencies. Despite being charged off, XXXX XXXX XXXX XXXX has failed to provide me with a 1099-C form, as required by IRS code 4681. Additionally, XXXX XXXX XXXX XXXX has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and XXXX ( Reasonable opportunity to opt out ) Furthermore, XXXX has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Mortgage

We were notified we were in Breach of contract with being two months behind on our mortgage and were given until XXXX XXXX  2017. I called to set up a payment plan to bring it up to date by the XXXX XXXX XXXX but were told they could not take single payments only the total due. Then we brought the mortgage up to date by XX/XX/XXXX and received a letter on the XX/XX/XXXX stating that we were still in Breach. Today, XX/XX/XXXX 2017 a woman was dispatched to my house to take pictures, clearly trespassing on my property and confronted by my wife, asking her what she was doing. The women showed my wife where the bank, 5/3 Bank, had instructed her to knock on the door and if nobody answered then she was to take pictures of the house. A week earlier a man from 5/3 Bank had come to the door and my son answered and showed that we were occupying the house and the utilities were on. There is undo harassment coming from this bank. 5/3 Bank is run by incompetent individuals, when you ask to speak to a supervisor you are told that one will call you back and there is never a call back.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isn't being shared which is backed by15 USC 6801. XXXXXXXX XXXX XXXX XXXX XXXX and MIDLAND CREDIT MANAGEMENT is a financial institution under the title 15 USC 6801. 15 USC 1681 section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to who it relates. " XXXX XXXX XXXX XXXX XXXX and MIDLAND CREDIT MANAGEMENT '' the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and don't have my written consent. All consent to XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and MIDLAND CREDIT MANAGEMENT whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX XXXX XXXX XXXX and MIDLAND CREDIT MANAGEMENT never informed me of my right to exercise my non disclosure option. 15 USC subsection ( b ), 1681C ( a ) ( 5 ) states " Except as authorizedunder no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items, other than convictions of crimes which antedates the report by more than seven years. This account is an adverse account that you are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) a states " A person shall not furnish any information relating to a consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. 12CFR 1016.7 states '' A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.