23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been attempting to short sell my property located @ XXXX XXXX XXXX XXXX, CT XXXX since XX/XX/XXXX In that period of time, we received an offer on XX/XX/XXXX that was terminated on XX/XX/XXXX by the buyer. Then we received a second offer on XX/XX/XXXX that was terminated on XX/XX/XXXX, and the last offer was received on XX/XX/XXXX and both the buyer and sellers are still waiting for a response from US BANK. Throughout this lengthy and stressful process, my REALTOR, XXXX XXXX was promptly and diligently communicating with XXXX XXXX XXXX from US BANK institution but XXXX XXXX stopped communicating on or around XX/XX/XXXXof this year. At one point, I was offered a loan modification while US BANK was aware of my intentions to sell, not modify. I am requesting that my file gets reviewed as I feel that US BANK failed to communicate with me in a timely fashion of any decision. Also, I only received a copy of one appraisal when in fact, the house has been appraised at least 3 times during this process. I need a copy of all the appraisals. On a curious note, 2 out of the 3 offers that we have presented to US BANK are for more than what the property was appraised. Also, I need to know why the offers on the property have been rejected or not even been looked at.
Product: Credit card

This is complaint is a result of civil fraud on the part of citibank and their XXXX branded card. 
I was on the XXXX website booking a trip. EVERYWHERE on the site there appears an ad, offering a XXXX dollar statement credit and XXXX bonus miles ( after spending XXXX dollars ). I clicked on the add the read the fine print. Obviously I had to be approved for the card, which i was that same day, and I used in instantly to purchase the flight that cost over a XXXX dollars. 
I waited for weeks and nothing and called citibankThere agent could not explain why there was no statement credit but said she would add a XXXX dollar statement credit. 
Even though I met the requirements the XXXX bonus miles were denied. These miles cost XXXX dollars. I was told they were denied because i had a similar card within 18 months that was XXXX related. 
Now there are several reasons this denial was unjustified ... 
1 ) I was given no chance to appeal2 ) the fine print on the XXXX site did not mention this potential disqualification3 ) I was aware of this issue previously and I actually called Citibank before i applied to verify if I was over the 18 months since my last XXXX branded card. I was told by the agent i did indeed have a black XXXX card but that was closed by my in XXXX 2014, over 18 months ago. 
I think it is sad XXXX and CITIBANK have to result to such behavior to gain clientsI was damaged XXXX dollars, the cost of the promised miles
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 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX 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. 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. 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

I have mailed out multiple letters to the credit bureaus regarding inaccurate and unknown things located on my credit report. My letters were mailed out on XX/XX/2021 and up until now I havent got any response from them. This situation has caused me to stress out and I need to have it resolved immediately.
Product: Mortgage

My mortgage was being serviced by XXXX XXXX. When I logged in to my account to pay my XXXX payment, I learned my mortgage was no longer being managed by XXXX XXXX, and was now being managed by Volunteer Mortgage Loan Servicing. Neither servicing manager sent me notification that the mortgage changed hands. I've tried consistently to contact someone with Volunteer Mortgage Loan Servicing. After several attempts, and leaving several messages, I was able to reach a gentleman that provided me with an account number and instructions to make the payment online. I've tried doing that multiple times, but have been unsuccessful due my account be locked. I've since tried contacting Volunteer Mortgage Loan Servicing, but to no avail. I've left messages, and today someone finally returned my call. Volunteer Mortgage Loan Servicing is now refusing to accept my XXXX mortgage payment.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX
Product: Vehicle loan or lease

With Lightstream, I initially applied for a car loan, I initially received approval for an auto loan, and a new account was created with my name, address, and social security number. I provided my banking information and signed the loan agreements in order for the loan to be funded. My bank returned the money because there was an issue with the funds transfer. When I called Lightstream to double-check my information, a customer service agent informed me that Lightstream had changed its mind about the application for which they had previously given its approval. I inquire as to why they changed their decision, and she replies that she is unable to answer that question. I received a notice of an adverse action from Lightstream, and they informed me that they were unable to prove my identification. The loan department at Lightstream checked my identity by pulling my XXXX credit report, asking my employer for paystubs, which I provided, asking for my most recent XXXX  XXXX XXXX banking statement, asking for a copy of my government-issued driver 's license, and finally approving the loan after they had received all of my required documentation. According to the Lightstream website, I believed that when my credit report was obtained, my identification was confirmed, and I received an approval, I would then be funded. However, it did not occur, and the justification Lightstream gave for refusing to give me credit was untrue. If you never meant to give me credit in the first place, then there was no justifiable reason for you to retrieve my XXXX report, 15 U.S. Code 1681b - Permissible purposes of consumer reports, and you should request that the inquiry you made be removed off my XXXX credit report. Additionally, the loan information on Lightstream is deceptive and inaccurate.
Product: Credit reporting or other personal consumer reports

CFPB REPORT - 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the 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 date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Product: Credit reporting

I have a hospital bill from XX/XX/2016 that my insurance for some reason would not cover. I was not properly notified of this due to change of address, so the bills did not reach me. My credit score just dropped from a XXXX to a XXXX. I never had a problem with resolving the bill before it reached this point, had I been properly notified. Also the balance amount of the account is {$780.00}, not {$790.00} as the collection agency reports. I would like this removed from my credit report as soon as possible. I have never missed a payment or not paid a bill. I am trying to buy a house and this drastically affects me in a negative way. thank you Old address XXXX XXXX, NJ XXXX New address XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would need to file multiple complaints again against Experian based on being able to only choose one reason for this complaint on the previous screen. Experian, again, has incorrect information on its credit report on me. Why this foreign company is allowed to do business in the US is  beyond me as both American companies, XXXX  and XXXX  do not show the false negative reports against me. 

Today, XX/XX/2018, I applied for a student loan refinance with XXXX. I was denied because they use Experian and on the Experian credit report there are 3 patently false negative accounts listed for me. 1 is figment of their imagination ( made up ) and the other 2 are wrong. 1 was a car loan for which I was not the primary borrower that was paid off over a year ago. A XXXX XXXX XXXXXXXX account that is non-existent and an XXXX account that was paid off almost a year ago.
Product: Credit reporting or other personal consumer reports

I am writing to DISPUTE the following summaries of derogatoriness that your company supplied to one or more Bureaus .In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, sufficing adhering of Federal and state reporting laws and or suitability in your even extremely compliant adhering to the mandatorily applied credit reporting industrys practices namely the XXXX own CRRG- detailed Metro2 Formatted reporting without deviation ( s ), errors, nor omissions of congruous archives that else better ensure integrity of harangues made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which might have NOT been satisfied or suitably maintained. I further necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidence of any negativitys certifiably docious reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are commensurate to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. 

Per the XXXX own XXXX XXXX, An Industry standard for reporting consumer accounts WILL ENSURE THE INTEGRITY AND CONSISTENCY of reported data. This MANDATORILY UTILIZED STANDARD includes but is NOT LIMITED to requirements that ALL ACCOUNTS be reported AT LEAST once MONTHLY, the FINAL ACCOUNT STATUS CODE MUST BE REPORTED if and when an account is PAID OR CLOSED with a XXXX balance. CYCLIC REPORTING must occur at cycles close, etc. 
ACCURACY AND INTEGRITY DEFINITIONS ( per XXXX and XXXX XXXX ACT ) : Per the XXXX own XXXX XXXX, the XXXX FACT XXXX XXXX Furnisher Rules define the term Accuracy to mean that conclusions that a furnisher provides to a consumer reporting agency about an account OR other relationship with the consumer correctly ( 1 ) Reflects the terms of AND liability for the account or other relationship, ( 2 ) Reflects the consumers performance and other conduct with respect to the account o r other relationship, ( 3 ) Identifies the appropriate consumer..

The following data is suspect to be in deviation of requirements for fair and accurate reported and I demand that ANY and all negativity ( ies ) related to be terminated immediately, permanently and completely or else proven admissible in writing : Please Remove These Items From My Credit Report Immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Western Union issued a withdraw from my bank account without my authorization. I am not a Western Union customer and this was done without my permission or the permission of any name on the account.

On talking with Western Union, the money was said to have been transferred to XXXX and there is nothing they can do.
Product: Debt collection

I reached out to ABILITY RECOVERY SERVICE via phone on XX/XX/XXXX at XXXX XXXX after disputing false charges that they reported on my credit to XXXX, XXXX  and XXXX. I reached out to this creditor to discuss a debt that was reported falsely on my credit three times to XXXX, XXXX and XXXX  in XX/XX/XXXX. The original account was opened in XX/XX/XXXX and removed in XX/XX/XXXX and ABILITY RECOVERY SERVICE re-opened this account in XX/XX/XXXX as a new account which its not. The representative proceeded to tell me that the charges weren't false and that I went to the doctor three days in a row and acquired 3 separate bills for the exact same amount which is XXXX with in those three days. Which is ridiculous. While im trying to explain to the representative that what he is saying is incorrect, he began to speak over me. I told him that i would like proof of these three separate bills with a total of XXXX for each on 3 separate occasions and he hung up on me.
Product: Debt collection

Filed a lawsuit in XXXX XXXX Illinois on a fraud account and I do not reside in XXXX XXXX or even the state of Illinois I informed them about the above actions and they are more concerned about collecting money that I do not owe. I have not answered to any lawsuit nor have I been served because I do not live in Illinois and I have conveyed that to Dimand Law firm This law firm along with key note collections tend to pray on poor XXXX and XXXX people in XXXX XXXX Illinois they flood the court system with XXXX and XXXX people with the notion of strong arming, embarrassing and con-Ing poor XXXX and XXXX people XXXX 

I have never signed a contract for a credit card and there is no proof that I have. This law firm operates shady practices targeting poor XXXX and XXXX people and should be dealt with by the FTC.
Product: Credit reporting or other personal consumer reports

We noticed a new inquire on our XXXX credit report by NFCU ( Navy Federal Credit Union ) on XX/XX/XXXX. We contacted a customer service person from there credit card investigations team to investigate the issue as fraud because I did not submit an application for an online consumer loan. This was done during the same time periods as XXXX and XXXX in which are both under review currently as well. The NFCU person over the phone advised me to submit an online Declaration of forgery form, which we did and nothing happened. No one ever contacted us back or sent us a follow up email/confirmation of the submission. I called in on XX/XX/XXXX for a follow up and no one had any record of my submission and advised I submit a new declaration which we did. We followed up on the XXXX and NFCU replied by saying the information submitted was true and no further action was needed. I believe this submission to be a case to be fraud and believe the incident was handled poorly by NFCU and am requesting NFCU to remove the falsely reported loan inquire/information from my credit report. 

Thank you Warmest Regards. 
XXXX XXXX XXXX
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. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXXXXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent inquiry done with Chase Credit Card Services on XX/XX/2018.  Chase reached out to me to see if I applied for a new card. I explained that I had not requested any new credit with their company. They intern mailed me a letter to state that they would have the inquiry removed. I also file a dispute with XXXX and XXXX as those are the two bureau 's that shows the inquiry. It is now a full 90 days later and the inquiries are still showing on my credit bureau report. I reached out to Chase and they have contacted the bureaus by phone and nothing has been removed from my report. I am not involving CFPB as this is a violation. This false inquiry is effecting my credit score and it not fair to me as. a consumer. I would like action taken and would like the inquiry to be removed as the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX  XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX Acc. # XXXX Spring XXXX XXXX  XXXX XXXX # XXXX 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 that 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 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

I have unverified accounts on my credit report that I have asked to see signed consumer contracts with my name that the credit bureaus did not investigate properly and are showing up as collections and one charge off that is affecting my ability to obtain credit. I have unauthorized credit inquiries on my credit report that I did not authorize. I have submitted letters to all 3 credit bureaus including the company 's and dates that the inquiries where submitted. I only gave my authorization for one bank to run my credit I now have 18 inquiries on my credit report mainly from auto finance companies. NEVER AUTHORIZED ANY DEALERSHIP TO RUN MY CREDIT THAT MANY TIMES. This is devastating to my credit report. The credit bureaus have not properly investigated my letters I asked for paperwork with my signature and they did not provide it to my according the the law usc 15 609 ( A ) Equifax Collections : 1XXXX XXXX/ account # XXXX XXXX. XXXX XXXX XXXX/ account # XXXX Closed Account : XXXX XXXX XXXX Account XXXX XXXX Non authorized inquiries : XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX Closed Account : XXXX XXXX XXXX XXXX Account XXXX XXXX Collection : XXXX XXXX XXXX N/Account # XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX Closed account XXXX XXXX XXXXXXXX XXXX / Account # XXXX Collections : XXXX XXXX/ Account XXXX XXXX XXXX XXXX Account # XXXX Inquiries : XXXX XXXX XX/XX/2021 XXXX XX/XX/20XXXX XXXX XX/XX/2021
Product: Credit card or prepaid card

I opened a credit card with Suntrust in XX/XX/XXXX. After a couple of years I was no longer able to log into my credit card account online, and I had to stop using the credit card as a result. During this time- Suntrust merged with another bank and beca

me Truist- and since then, I have never been able to get back into my account online. I have made several attempts over the past 3 years to speak to someone at Truist to help get me access to my account- they either drop the call ( after talking to them for 30 minutes, then them telling me I am in the wrong department, they will transfer me - then the call drops ), or I can not get an actual person to help. I need all of my statements from this credit card for a legal case and I needed them a long time ago, yet I have been unable to get anyone to assist me with this from Truist.
Today I called again, and on the 4th call I got through to the correct department. Truist does not have my current address and their system was not accepting any update of my address today, according to the
representative I was speaking to named XXXX, therefore he was not able to give me access to my statements- or send me my statements. 

I am repeatedly told by Truist employees when I am able to speak to them that I should go into a branch to get this sorted out - but a. I live in California and there are no Truist banks in California and b. I have never had a bank account with Truist or Suntrust - just this one credit card that I deeply regret getting. 

I need my credit card statements asap -dated XX/XX/XXXX to current day ( XX/XX/XXXX ) I am legally entitled to these statements and I have repeatedly made attempts to contact Truist and get them from Truist but can not get anyone to do this. 

Please assist me in getting my credit card statements. This is the worst experience I have ever had with a credit card and I can not state how much I regret getting a credit card with this company.
Product: Credit card or prepaid card

This is my XXXX year with Capital One, I have two cards with them, I wanted to make a payment which is due on XX/XX/XXXX and at XXXX pm. I was already charged {$25.00} on each account ( {$50.00} in total ) I called immediately ( XXXX pm ) and was told they can not waive the late fee, the staffs were not considerate and they all just wanted my money. How can you charge a late fee for the same day, they said I am not eligible for a waive. I will tell all family and friends not to patronize this credit card company since they use every means to rip people off.