23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In axcordance 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. 
Account name : XXXX. XXXX  XXXX # XXXX Account name : XXXX XXXX  : # XXXX. Account name : XXXX XXXX # XXXX. Has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights to privicy.

15 U.S.C 1681 Section 604 A Section 2. It also States aconsumer reporting agency can not furnish a account without my writen instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containging any of the following items of information. Any other adverse item of i formation, 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 shal not furnish any information relating to a conaumer to any conaumer rwporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I went to use my debit card and it had been closed. Same paycheck deposited, same people I had been sending money, same bills being paid. No notice it was being closed, just nothing.
Product: Debt collection

I received a letter titled IRS demand payment for a debt of {$1800.00} for my XXXX taxes. The letter contained my complete social security number in the upper right hand corner and stated that IRS has requested several times for funds in the first letter and I should pay-up immediately. Two months later another letter was sent to my XXXX XXXX XXXX asking me to pay up immediately. In XX/XX/XXXX, another letter came in through regular mail to my home, stating that I owed IRS {$2100.00} and if I did n't pay up immediately, 15 % of my social security benefits would be seized. I was told not to contact the Social Security Administration about the deduction from my social security benefits. I notified my credit union and Social Security Office, downtown XXXX about the threat. I met with the credit union and social security official and changed my account, in fear that my bank account had been compromised. 
On XX/XX/XXXX, my credit union account showed that my {$1100.00} social security benefit check was reduced to {$990.00}. I met with Social Security Administration on XX/XX/XXXX who explained that no such deduction had been made to my benefits by Social Security Administration, I was given a copy of my Social Security benefits for XX/XX/XXXXshowing that {$1100.00} was deposited. I than met with the Credit Union who said that no such deduction was authorized by the credit union and that the {$990.00} was deposit as is. 
I returned again, after discussing the deduction with my tax person, to the Credit Union and asked if any authorizations had come in demanding payment for the debit and I was told no. The credit union explained that when deductions are authorized by a creditor, the total amount of the deposited benefit is recorded and then the authorized debt is shown, in my case, the {$990.00} was the only deposit made. I went back to Social Security Administration on XX/XX/XXXX and asked again about the deduction. I was told that on XX/XX/XXXX, my {$1100.00} benefit check was sent to the credit union for deposit, the credit union sent the {$1100.00} benefit check back to Social Security Administration and on XX/XX/XXXX, Social Security Administration deducted XXXX. Social Security did n't know who deducted the funds on XX/XX/XXXX, but would send a copy of the authorization to deduct the funds in a couple of days on Social Security Administration stationary. No such notification has come in the mail as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The number of times missed which is being submitted on my credit report looks like inaccurate and or confusing.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : THE XXXX Account Number : XXXX Account Name : XXXX BANK Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 XXXX 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: Checking or savings account

Im relocated from XXXX to Texas. My contract will end XXXX, XXXX, XXXX and Im about to leave the US. My last day in Texas will be XXXX, XXXX. 
I opened a Citi Credit Card account in XXXX and opened a Citi XXXX XXXX XXXX as well. I put a deposit of {$10000.00} on this account. 
In preparation for my return to XXXX I canceled this account on XXXX, XXXX over the phone. 
The representative told me that Citi will send me a check during the next 10-15 business days.

Unfortunately, this check never arrived. I tried to get this resolved using the Citi chat and I called the Citi Customer Service line at XXXX XXXX at least XXXX times. 
At one of the last calls a representative told me to call again the next day to get my problem resolved and I did this. The next representative told me, that he is not able to find any information about the previous call. I asked him to talk to a manger about my problem. He told me that all managers are busy and somebody will call me back the next day. This call never happened. 
I called again today and talked to a representative that was very hard to understand at all. I asked the representative to expedite a check to me over night or maybe during the next 3 days. 
One person told me to go to a Citi branch. However, there is no Citi branch in Texas at all and there is no branch in the neighbor states. 
I dont think that somebody is working on a solution for my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX  XXXX & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Mortgage

I refinanced my property in XXXX 2016 with Nationstar Mortgage. In XXXX 2016, I learned that Nationstar was delinquent in paying my property taxes even though they had escrowed funds at closing and collecting escrow payments monthly. I contacted Nationstar and the issue was not resolved. I paid my taxes so as to avoid further penalties. After examining my closing statements I discovered that Nationstar collected {$2900.00} in pre-paids and closing costs towards my property taxes. In addition, a balance of {$2100.00} was in my escrow account before I refinanced. I have confirmed with a Nationstar agent that this balance should have been transferred to my new escrow account. My new escrow account started with a balance of {$1100.00}, resulting in a discrepancy of {$3900.00}. I have contacted Nationstar repeatedly to ask for an analysis of the escrow account, for them to account for the discrepancy, and for them to close my escrow account, based on their mismanagement and to refund the balance to me. My last conversation with a Nationstar manager today indicated that they have an e-mail ( which I never received ) explaining why my request was denied. I have asked them to send me that e-mail again and also to post it in the US Mail. In any case, after 3 months several hours on the phone, and a dozen e-mails I still do not have satisfaction.
Product: Mortgage

My wife was laid off recently so weve been running about 27-29 days late on making our mortgage payment. On XX/XX/XXXX and the XXXX I tried making my mortgage payment on the companys web site and I was given a message that stated that the site was down for payment processing and the payment could not be placed at this time. I tried to call and no one was available. I went online to make the payment on the first and I could not as the same message was posted. I also called to no avail. On XX/XX/2019 I am as finally able to make a payment but at that time they said they couldnt take one payment and I had to make two payments at once. XXXX and XXXX. My complaint is that they shut down the site and I was not allowed to make a payment before I was 39 days late and now it has effected my credit report. The customer service manager stated that they do this every month so its perfevtky legal with the CFPB. This is not true as you can not deny a payment within the 30 day late time limit and then report someone late because the site is down. He also stated that the payment would have been late anyway. Because the payment would have not posted until the next day which is also incorrect because the payment is paid when authorization is given, and not when it posts. I want the over thirty day late payment taken off my credit report and the payment system also needs to be fixed so that if someone needs to make their payment two hours before the deadline, they can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute with XXXX XXXX XXXX and the XXXX reporting bureaus and did not received a timely response after multiple letters I sent I got a response that that a remark was placed on my credit. I was not provided with clear evidence of method of validation with regards to XXXX XXXX XXXX. They are reporting past the XXXX  year XXXX and have inaccurate factual/errors and have not removed from credit report as required under the XXXX law and within the required time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

On credit report it shows the account is open when the statutes of limitations is exceeded as closed. The date the account was open was XX/XX/2013. the amt was {$440.00}. I understand that statute of limitations on this loan is 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter XXXX bankruptcy that I planned to convert to a chapter XXXX bankruptcy. The conversion was never processed. The judge vacated the second bankruptcy ( as per the document attached ). This is STILL showing on my file. 

This is not a discharge of debt. It was a discharge of the Trustee prior to any processing of debt. By law, my credit file should NOT show a bankruptcy that never occurred. 

The bankruptcy id is listed as XXXXand shows a date of XX/XX/2017 Since this bankruptcy was never processed, I want it removed from my file as provided by federal law.
Product: Debt collection

4th attempt on correcting the compromised credit file. my lic is on record with all 3 bureaus.
Product: Debt collection

Recieved a notice about a debt that does not belong to me in the mail, stating that I should respond by XXXX for the amount of {$8200.00} from a XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my credit report I found an inaccurate late payment from XXXX  that was reported to Experian, XXXX, XXXX  XX/XX/2019. I was never late on this account.
Product: Student loan

Today, XX/XX/2021, I chatted online with a customer service rep with AES ( Department of American Education Services ) about my private student loan from XXXX. I did not graduate because of coronavirus and I want to go back to school and finish my degree. I can not afford the payments for repayment. I only make about an average of {$500.00} a week and the payment for the loans is about $ XXXX and I already have $ XXXX/month in rent and I also have other loans. The only options I were given were where I can temporarily decrease the payment by about {$100.00} and then in about 12 months I'd have higher payments, or I can increase the interest and do something else. I can not afford the payments at all. I can not afford to live or accrue a life savings. My only options for loan forgiveness are to be diagnosed with a XXXX, which I might actually have but would rather not live with the stigma ; or I can die.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account doesn't belong to me. Please remove it.
Product: Mortgage

I refinanced my old mortgage with Wells Fargo with XXXX in XX/XX/XXXX. 

The closing was on XX/XX/XXXX. The payoff amount of approx. $ XXXX was supposed to be sent to Wells Fargo by XXXX on XX/XX/XXXX. 

Something failed with XXXX and their Title company XXXX. The payoff was only sent on XX/XX/XXXX, and received by Wells Fargo at XXXXXXXX XXXX CST, after the cutoff period required by Wells Fargo for same date value. 

Therefore Wells Fargo continued to charge me interest on the mortgage through XX/XX/XXXX and only posted the payoff on XX/XX/XXXX. 

At the same time, XXXX also charged me mortgage interest for the period of 7 days from XX/XX/XXXX through XX/XX/XXXX. 

Essentially, I paid mortgage interest to 2 banks, for an overlapping period of 7 days for the same property due to failure of XXXX to timely wire payoff funds. 

Despite repeated outreach to XXXX, they persist in denying any accountability for the delay and only compensated me for 1 day of interest, of the total period of 7 days. 

Wells Fargo contends that their payoff statement to XXXX required receipt of funds before XXXX XXXX CST for same day value. 

Due to this, I am caught between two large organizations, each denying any accountability. I request CFPB to please investigate and require one of the banks to make me whole for the overlapping mortgage interest period from XXXX XXXX-XXXX XXXX, both days inclusive.
Product: Credit reporting or other personal consumer reports

Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NV XXXX Email : XXXX Phone : XXXX Date : XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear Sir/Madam, I am writing to formally dispute the following unauthorized inquiries that have appeared on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit inquiries can only be added to my report if I have provided explicit authorization, which I have not done for the inquiries listed below. These are fraudulent. 

Please remove these inquiries from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my knowledge or consent . Under the FCRA, a hard inquiry should only appear on my report when I have expressly authorized the creditor to access my credit information. I have not authorized these inquiries and, therefore, request that you remove them from my credit file. 

Please conduct an investigation into these inquiries and provide written confirmation once the unauthorized inquiries have been removed. I expect a prompt resolution to this matter, as the FCRA requires timely and accurate information to be maintained on my credit report. 

Thank you for your prompt attention to this issue. 

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

I make it a habit to check my credit report because my credit score really matters to me. Unfortunately, I keep finding inaccurate and false information on it. This has been a constant issue, and no matter how many times Ive raised it, nothing has been fixed. Its incredibly stressful and draining, and it's starting to seriously impact my life and my credit score in an unfair way.
Product: Credit card or prepaid card

I made an online purchase using my Apple Card ( issued by Goldman Sachs Bank USA ) on XX/XX/2020 in the amount of {$180.00} from what turned out to be a fraudulent vendor : XXXX ( XXXX ). I realized it when I tried to track my order but couldn't, and when I tried to contact the vendor, the number was disconnected and the email was undeliverable. I disputed the charge with Goldman Sachs within a few days. I never did receive the product. 

Goldman Sachs has repeatedly resolved the dispute in the vendor 's favor, even though I provided documentation, including the undeliverable email, disconnected phone, paypal community results showing others had encountered the same issue with the vendor. I also contacted XXXX and was told that the vendor had been identified as fraudulent and suspended, which information was also provided to Goldman Sachs. Even after multiple times reasserting the dispute, providing additional information and speaking to numerous customer service representatives, I can not get a clear answer as to why the dispute was resolved in favor of the fraudulent vendor. 

The Apple Card has been extremely convenient, but this has been the worst customer service I have ever received. I have luckily not had to dispute many transactions, but the couple of other times I have were with other credit card providers who were prompt, communicative and fair. If this is how Goldman Sachs treats an actually verifiably fraudulent transaction, how will they deal with more run of the mill complaints with vendors? I should not have had to continually dispute this transaction for more than 6 months to try to get it resolved. Apple Card users beware.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

On XXXX XXXX I got a text from a Cardinal Financial employee about refinancing I was not ready to do it right now. Before I knew it she had pulled my credit without me giving her permission. I worked with her last year on buying a house that's how she got my social security number. So I texted her back and asked her to take the inquiry off and I got NO response from her.
Product: Credit reporting or other personal consumer reports

I wish to address my recent review of the credit report obtained from your bureau. Upon meticulous examination, I observed the presence of reported late payments on my accounts, which I contest as erroneous. I have undertaken the necessary measures to verify any delayed payments. I am pleased to inform you that other credit bureaus have already expunged these late payments from their records. I am perplexed by the discrepancy in reporting between your bureau and the others. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this . XXXX XXXX XXXX XXXX
Product: Debt or credit management

XXXX XXXX XXXX  was hired by myself for almost 2 years. I paid XXXX monthly for the best option available to clear up my credit before buying a home. Very slow process not sure everything I was told being done was actually done. 

XX/XX/XXXX I began and continued thru XX/XX/XXXX purchased my first home in XX/XX/XXXX. My point barely moved.