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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I received notice of civil lawsuit notification from Blackrock XXXX XXXX file # XXXX, on XX/XX/2022. On XXXX XXXX I responded with debt validation request, also see attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad inquiries Appearing on Credit Reports delete Immediately From Credit Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I wired {$41000.00} to XXXX to purchase equipment I won in an online auction ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ). On XX/XX/XXXX I wired another {$45000.00} to XXXX for vehicles I won in another auction ( XXXX XXXX XXXX and a XXXX XXXX XXXX ). About two hours after sending the second bank wire, I received information that let me realize that I was a victim of the XXXX, XXXX XXXX Scam. 

I immediately contacted the FBI field office in XXXX XXXX and file a report. The FBI officer advise me to contact my bank and ask them to retrieve the bank wires. I contacted JP Morgan Chase Bank immediately and explain the situation in detail. I told the bank representative I was defrauded {$85000.00} and the FBI officer told me to ask the bank to retrieving the wires. The representative told me she filed a report and gave me a reference number ( Ref # XXXX ). She also explained that it was not 100 % guarantee that they will be able to retrieve the wires, but my chances were great because I reported the fraud early ( the same day ), and the wires were sent to another JP Morgan Chase Bank so they have more control over the process. She told me the bank will contact me within the next day or two with a follow up report on whether they were able to retrieve the wires. Below is a timeline of the actions/activities since my initial bank report to JP Morgan Chase Bank on XX/XX/XXXX : XX/XX/XXXX - I did not hear from the bank so I did a follow-up call on XX/XX/XXXX. I was told that they could not find the report and I need to file a new report with the Wire Research Department. I filed a new report. 

XX/XX/XXXX Update report to add another JP Morgan Chase Bank account that the Scammers were using. 

XX/XX/XXXX Update report to add a XXXX  XXXX XXXX bank account that the Scammers were using. 

XX/XX/XXXX Update report to add another JP Morgan Chase Bank account that the Scammers were using. Also ask for update and state we need to act immediately and freeze the Scammers bank accounts because they will disappear the next day. 

XX/XX/XXXX Receive update from JP Morgan Chase Bank saying they are still working to retrieve the bank wires. 

XX/XX/XXXX Finally got another response from JP Morgan Chase Bank saying they request the wires to be returned but have not heard back from the Scammers so I should try and contact the Scammers to resolve the matter. 

XX/XX/XXXX I followed up with a response to JP Morgan Chase Bank to let them know I was very disappointed with their handling of the situation. 

XX/XX/XXXX Receive a response from JP Morgan Chase Bank saying they will continue the process of asking the Scammers to return the wires. 

XX/XX/XXXX Receive another response from JP Morgan Chase Bank saying the Scammers bank account is closed.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed unauthorized credit inquiries. I did not give permission for these inquiries, nor am I associated with the transactions they are linked to. I am requesting that these inquiries be blocked and removed from my credit report immediately, as they were made without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th request for my full file disclosure from Clarity and is a follow up to complaint number XXXX. 

Is Clarity FCRA compliant? They advertise they are! 

Their website states : " Claritys suite of FCRA-regulated reports ... '' Clarity states XX/XX/2021 they sent my disclosure. This is a complete and total fabrication of the truth. They did send a security freeze request, an incomplete Experian credit report and background data letter. 

All are attached. 

So this is my 5th request. It sure appears there is an issue? What are they hiding?? Does Clarity have a compliance problem? Does the FTC know they advertise as " FCRA regulated '' but won't send a simple full file disclosure???
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has led to multiple fraudulent items being added to my credit report without my authorization. There are 15 unauthorized accounts and 15 inquiries that were placed on my report without my knowledge or consent. 

Fraudulent Inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already taken the necessary steps by reporting this identity theft to the Federal Trade Commission ( FTC ). I am now requesting the immediate removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, Account # 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 an account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

On XXXX XXXX, 2017, I contacted XXXX XXXX XXXX through email to get clarification on why I did not receive my security deposit or any correspondents within 30 days of vacating the unit.
<P/>
XXXX XXXX XXXX responded on XXXX XXXX, 2017, that they kept my security deposit, along with charging me an additional XXXX dollars for the alleged damage to the unit. I wrote a letter disputing those charges the same day. Approximately, 1.5 weeks later, they send me a letter with those same charges I disputed.
<P/>
I called the corporate office of XXXX XXXX XXXX to get clarification on the charges. A representative send me over to the collections department, who indicated my file was with a collection agency by the name of All State Bureau. I asked the representative, how are they collecting on a debt that was disputed, without a judgment? She told me to contact the collection agency to dispute the charges.
<P/>
It appears that XXXX XXXX XXXX violated Michigan law. According to Act 348 of 1972 554.613 Action for damages ; retention of security deposit ; waiver.
Sec. 13.
( 1 ) Within 45 days after termination of the occupancy and not thereafter the landlord may commence an action in a court of competent jurisdiction for a money judgment for damages which he has claimed or in lieu thereof return the balance of the security deposit held by him to the tenant or any amount mutually agreed upon in writing by the parties. A landlord shall not be entitled to retain any portion of a security deposit for damages claimed unless he has first obtained a money judgment for the disputed amount or filed with the court satisfactory proof of an inability to obtain service on the tenant.
<P/>
This process was not followed.
Product: Debt collection

I have a problem between XXXX and Chase Bank, one of them is stealing money, I DON'T KNOW WHICH IS RIGHT BECAUSE THEY BLAME EACH OTHER. On XX/XX/XXXX I made an online purchase of {$500.00} in XXXX XXXX through XXXX with my Chase Bank credit card ending in XXXX. That purchase number XXXX I never went to pick it up and then as I saw that XXXX XXXX had not me I returned the money then I asked XXXX AND CHASE BANK a dispute AT THE SAME TIME so that they would refund my money of {$500.00}. Then Chase Bank sent me the money back and XXXX as well ( they both gave me back {$500.00} ), when CHASE BANK saw that I had received twice the refund money for my disputes for the same transaction, CHASE THEN DECIDED to then charge me again {$500.00} ( you can see this with the word REBILL of {$500.00} on the CHASE BANK statement of the card ending in XXXX ATTACHMENT TO ALL DOCUMENTS AND PROOF ). AND THERE THE ENTIRE PROBLEM BEGAN!!, XXXX sent {$500.00} twice to the CHASE bank ( that is, to my credit card account ), and now XXXX is charging ME the double money they paid to my account, BUT THE BIG PROBLEM ES : I DON'T HAVE THAT DOUBLE PAYMENT!!! WHY??? BECAUSE THE CHASE BANK TOOK IT OFF IN A REBILL IN MY CREDIT CARD CHARGING ME AGAIN {$50000.00}, AND YOU CAN SEE IT AT THE ATTACHED LETTER IT SAYS THAT CHASE BANK CLOSED THE CASE AND THE DUPLICATE PAYMENT THAT THEY MADE TO ME, THEY TAKEN IT FROM ME, AND SENT IT TO XXXX???? THEY SAID ME THAT THEY SENT IT TO XXXX???? BUT XXXX is saying that THEY DON'T HAVE THE MONEY THAT CHASE BANK SUPPOSEDLY SENT THEM RETURN THE {$500.00} REBILLED TO ME. SO XXXX IS NOW CHARGING ME {$500.00} which they said they are going to send to COLLECTION because they said that CHASE BANK HAVE NOT SENT ANY MONEY OR LETTER TO THEM CLOSING THE CASE, AND CHASE BANK TOLD ME : THEY SENT THE MONEY AND THEY SENT THEM A LETTER CLOSING THE CASE, THEN WHO IS TELLING ME A LIE???? WHO DOES HAVE THE MONEY AND WHO DOESN'T???? BECAUSE THE CHASE TOOK THE MONEY TO SEND IT TO XXXX AND NOW XXXX IS CHARGING ME THE MONEY. 
SO THIS SITUATION IS PRETTY UNCONFORTABLE BECAUSE I DONT HAVE ACCESS FOR THE SYSTEM OF THIS TWO BANKS.
Product: Mortgage

This situation goes back more than a decade, we had used CFPD in the past and found what we believed at the time a reasonable agreement. 
We had two loans with CitiMortgage a first and a second. We faced them in court on the first mortgage and they decided to drop the first and clear the title to the loan. They then added a {$200000.00} " corporate loan '' to the second mortgage. That is where CFPD stepped in and the processor at the time agreed and stated the amount due {$72000.00} was the new amount but that was not the payoff amount. That is the deceptive part of the process. After agreeing to remove the " corporate loan '' we began making payments. What was no disclosed in the agreement was the total amount owed? It turns out every time the loan processor was changed along came thousands of dollars in fees to my wife and I. It is not clear if the interest on the " corporate loan '' was ever removed. 
We did hire XXXX XXXX to look into the matter and paid for his services. As he was dealing with the mortgage companies we were running out of time so he suggested we file bankruptcy to allow us to continue our process. 
Nothing has changed from the mortgage point of view other than an offer to pay a 40-year mortgage and owe a balloon payment of {$100000.00}, which he suggested was a good deal because we'd likely be dead before the balloon payment was due. 
The second mortgage started out at {$75000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My actual closing documents were nothing like the good faith estimate provided by my lender. 
The lender had several charges added to the closing that were not applicable to my loan. 
Septic inspection ( on sewer ) {$500.00} Well inspection ( city water XXXX {$300.00} Several more that my realtor caught. 

Basically my closing was so haphazardly put together that no one could figure it out. 

The Bank of origin was First Tennessee XXXX XXXX was point XXXX XXXX was processor
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed a couple inquiries on the report that should not be on there. Ive listed them below with the reason I believe they should not be there. They need to be deleted as they are inaccurate. Also, if the bureau says they are accurate, they must provide proof under the FCRA. 

XXXX XX/XX/XXXX DO NOT RECOGNIZE THIS AND DO NOT HAVE AN ACCOUNT WITH THIS BANK XXXX XX/XX/XXXX I BELIEVE THIS IS A DUPLICATE PULL AND MUST BE DELETED AS I DID NOT GIVE MY PERMISSION XXXX XX/XX/XXXX I BELIEVE THIS IS A DUPLICATE PULL AND MUST BE DELETED AS I DID NOT GIVE MY PERMISSION Again, if this inquiry was pulled with my permission, please provide proof. You can not provide proof as I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVY FEDERAL HAS PUSHED THIS FILE TO THE XXXX XXXX XXXX WHO HAS KNOW FIRST HAND KNOWLEDGE OF THE THEFT I HAVE REACHED OUT TO THE XXXX XXXX XXXX BUT THEY ONLY SEND PAPERWORK OF BILLS THAT DO NOT BELONG TO ME I AM ABOUT TO FILE IRS FORM XXXX AND REPORT THEM TO THE IRS FOR COMMERCIAL FRAUD.
Product: Credit card

I was enrolled in Care Credit ( Synchrony Bank ) by a dental office manager and was informed that there would be no interest of paid in full within 12 months. I was not informed that the account was a deferred interest account with an APR of 26.99 %. Due to the omissions, I assumed it worked like other credit cards where you begin accruing interest after the promotional period is over. I was quite surprised when I was hit with over {$700.00} in retroactive interest as it had been accruing all along. To make matters worse, they lowered my credit limit at about the same time and the card is still over limit to this day. This is reprehensible. This card is used for large medical and dental payments. It is meant to help those who have health concerns, not to throw them {$700.00} further into debt and damage their credit score.
Product: Bank account or service

I was issued a debit card, not at my request, on Comerica Bank by the state of Oklahoma for my income tax refund. When the opportunity to use the whole amount of the card at a retailer presented itself, I attempted to use the card. When the card was rejected, the retailer called the number on the back of the card. I spoke with " XXXX '' who confirmed that the amount of the card was the same amount that was being charged ( {$950.00} ) but who said that if I charged that amount, the transaction would be rejected for insufficient funds! When I asked how that was possible, he could not say. When I asked what amount could be charged, he would not say. XXXX then transferred me ( with a long on-hold wait ) to a woman in " finance ''. She told me that my balance was no longer {$950.00} because of fees charged to the balance. When I asked her what fees had been charged, she said I was only allowed XXXX free calls to learn my balance. When I pointed out this was the XXXX call ever made and it was not to learn my balance, she went to what turned out to be a stock reply : " Did you read the terms and conditions you were sent with the card? '' When I asked who was charging fees to the card, she insisted it was the state of Oklahoma. ( I would be fairly certain it was Comerica Bank! ) After several more rounds of refusing to tell me what charges had been made against my account and not telling me my balance, she finally told me that my balance was now {$940.00}. I asked if I could now charge {$940.00} on the card, she said I could not because my balance was now {$940.00}. I successfully charged that amount. I believe that Comerica Bank unjustly charged my unwanted debit card {$6.00}. I still do not know why. There must be many other victims of this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

checked my consumer report and noticed that there are fraudulent accounts on my consumer report. Those accounts are a Credit card with XXXX XXXX that is now closed with a amount of {$2100.00}. A personal loan that is closed and shows a late payment with Possible finance for {$60.00}. There is a charge off collection with XXXX XXXX that was sold to XXXX XXXX on my XXXX consumer report. I have never done business with this company. I have never done business with XXXX XXXX  XXXX has a collection on my XXXX consumer report. I have never done business with this company. I have the following fraudulent inquiries on XXXX. XXXX XXXX, XXXX, XXXX, XXXX And XXXX. These fraudulent accounts and inquiries has cause me financial injury. UPDATE, XXXX has places a collection on my consumer report for the company XXXX XXXX. This collection is fraudulent because i have never opened an account with XXXX XXXX XXXX, BANK XXXXXXXX XXXX! This is not good faith Pursuant FCRA
Product: Student loan

I have several accounts that appear on my credit report that I have inquired about with Navient to have removed from my report as well as my statement with them I never had a high school diploma or GED at the time these loans were taking out the college did this against my knowledge they knew I did n't have a diploma or GED the college has closed all schools in my area the college was first called XXXX XXXX XXXX which was then named XXXX XXXX XXXX the school was closed for scams as well as fraud plus not being a accredit college. I have received response stating Navient can not find a GED or High School Diploma on file for me which is correct so the loans should be removed due to that it proves what I 've been saying to them the ability to benefit. Navient has a current lawsuit against them and I feel I 'm being pushed off due to this cause this will also prove that loans they have giving out or that Department of Education or XXXX XXXX have giving out to people we 're never investigated or checked to see if they had the necessary documents to receive loans.
Product: Checking or savings account

b'Solicited by written offer of a bonus of XXXX by Wells Fargo both online and by direct mail, on XXXX XXXX, I meet with XXXX XXXX XXXX Bank Representative( Wells Fargo Bank, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX who-after being fully familiarized with my Social Security direct deposit " on the 4th Wednesday of each monthXXXX XXXX directly orchestrated the opening of a checking account ( Account XXXX  on that date though acknowledging that there could well be a delay in transferring this direct deposit to Wells Fargo. My agreement acknowledged the sign up bonus and Wells Fargo via e-mail XXXX XXXX congratulated me "Congratulations..."\XXXX XXXX XXXX was constantly advised of the status of the direct deposit and on XXXX XXXX Wells Fargo acknowledged receipt of the direct deposit either by text to me or by my e-Mail, I e-mailed XXXX on XXXX XXXX he confirmed this by telephone to me, and continuously confirmed that the XXXX  would be credited to my account. The direct deposit amount was XXXX far exceeding the amount required to qualify for the XXXX bonus.\nSubsequently Wells Fargo wrongfully reneged upon the earned XXXX initially asserting that the direct deposit was not received until XXXX XXXX, and then as recently as XXXX XXXX asserting that the "minimum qualifying direct deposit requirement\' was not met. Each was erroneous and false.  It later stated that the direct deposit of XXXX XXXX was somehow outside the 90 days qualifying time period.\nPlease see attachments, specially with my XXXX  email( refused by Wells Fargo) ,the e-mails to XXXX XXXX XXXX and the attachments provided including  the monthly calendar for XXXX through XXXX XXXX. Even Wells Fargo\'s acknowledged the Banking industry, apparent well established practice and its own that one the "that you do not count the date the account was opened..."\n\nWells Fargo position is erroneous.'
Product: Checking or savings account

Capital one has my bank account frozen for almost 3 weeks, Cause I deposited the wrong check in my checking account as I was waiting for a check so I thought it was that one but it reversed here I am.