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

Good afternoon, This is in response to report # XXXX ; XXXX ID XXXX. I tried to submit this data on experian website but of course their site does not work and errors out. I'm extremely upset and I will need a manager in order to resolve this issue. There is seriously something wrong with the representatives at experian. To make a long story short a dispute was open on all XXXX of my XXXX XXXX accounts for no reason! I called in and told them to cancel the disputes and the next day I looked online and all XXXX of the accounts I have with XXXX XXXX were deleted from my credit report. The only thing that needed to happen was my credit limit with experian needed to be updated and I felt like the rep did not know what they were doing so I told them to please cancel any disputes with XXXX XXXXXXXX. Sure enough I checked online and it said all XXXX of my accounts had been deleted. I'm in the process of closing on a mortgage and this is going to affect me negatively. THESE ARE MY ACCOUNTS AND THEY NEED TO BE PLACED BACK ON MY CREDIT PROFILE THESE ACCOUNTS SHOULD NEVER HAD BEEN DELETED. I feel like the representative did this on purpose. This is the XXXX time experian has deleted on time payment history that they should not have and they never fix the issue and place it back. This is so upsetting! The credit bureaus are always doing something wrong! This is so unfair to consumers and stressful because now I may not get my mortgage because this affects my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, and all the other negative items I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company reporting on my credit report by the name of XXXX XXXX. I have never heard of this company or even seen them in my area. This is really hurting me because I was involved in an accident and Im not able to do much right now. This is causing me emothional distres because I have been denied for jobs because of my credit. I did not give them permission to do anything to my report and I dont even know how they got my information.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX  XXXX XXXX that I defaulted on. They sold the account and charged it off. I settled the account with XXXX XXXX XXXX  XXXX for payment in full. I have made on time payments since 2018. XXXX  XXXX XXXX continues to report inaccurate account information to the 3 major CRAs : 1. Reporting 38 charge offs on this one account.

2. Failing to note that it was sold a settled for payment in full.

3. Reporting new late payments on this account every month. 

I have disputed this repeatedly with XXXX  and XXXX  XXXX XXXX continues to verify as correct. 
It is my personal opinion that this may have an element of racial discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Transunion claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to TransUnion seeking proof of this debt : Transunion XX/XX/2020, XX/XX/2020 and XX/XX/2020. Transunion continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 

The account number is XXXX ( {$690.00} )
Product: Credit reporting or other personal consumer reports

For over XXXX years, TransUnion has claimed to have verified the accuracy and compliance of my account with XXXX XXXX XXXX XXXX under FCRA standards. Despite multiple fraud claims and documented evidence proving the account was fraudulent, TransUnion failed to act, resulting in both financial and emotional distress. Rather than properly investigating or providing financial compensation for their errorsnow totaling XXXX over the past XXXX ignored my disputes until a XXXX who actually reviewed the file acknowledged the negligence and removed the account. 
XXXX XXXX XXXX XXXX is a clear example of this misconduct. The account, originally with XXXXXXXX XXXX, was falsely reported. XXXX initially stated the debt was both paid in full and sold to XXXX XXXX XXXX XXXX. However, after XXXX years of disputes, it was proven that XXXX  reporting was inaccurate, leading to its removal. Despite this, XXXX XXXX XXXX XXXX continued reporting the debt to credit bureaus using my personal information without my consent. They have consistently ignored disputes, operating as a predatory entity attempting to collect on a debt that was never valid. 
Pursuant to 15 U.S.C. 1681i ( FCRA 611 ), XXXX has failed to properly investigate or provide any justification for why fraudulent accounts remain on my report even after their removal from other bureaus. This constitutes a direct violation of my consumer rights under federal law.

Immediate Action Required This dispute has remained unresolved for over two years, despite clear evidence of fraud. Therefore, the following actions must be taken immediately : Permanent deletion of all fraudulent accounts associated with my personal information. 
Written confirmation of the deletions, sent to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, United States This is not a request for review or modification. My consumer rights have been violated, and I have suffered significant hardship as a result. Failure to comply within 10 days will require a detailed explanation from the assigned XXXX, including full disclosure of the investigative process conducted. Any further negligence or noncompliance with FCRA and CFPB regulations will result in legal action, holding all responsible parties personally accountable for the financial and emotional damages incurred. 
XXXX compliance is expected.
Product: Mortgage

XXXX. Refinanced our conventional mortgage with XXXX XXXX in XX/XX/XXXX XXXX. PNC purchased/received our loan to service XX/XX/XXXX XXXX. We contacted PNC to remove our XXXX payments early XXXX because our XXXX has dropped below 78 % and followed up multiple times through late XXXX. We even sent {$150.00} check ( at the direction of XXXX of their loan officers ) to pay for XXXX. The check was returned to us. 

We communicated with multiple bank officers. We are XXXX  and have conducted XXXX 's ourselves and there should be no problem proving the value of our home is close to 65 % of our existing XXXX. We are willing to follow any procedures they have to process the removal of the PMI. 

What PNC is saying is that when we XXXX XXXX with XXXXXXXX XXXX they put a 2 year restriction that XXXX could not be dropped in that time. We contacted XXXX XXXX and they have no such policy and there is nothing in the XXXX docs we signed with them. 

PNC has maintained all this time that there is a time restriction preventing the removal of our XXXX. They have failed to provide any documentation to this. 

We have never been late on any payments. We have maintained any and all required escrow items. We have excellent credit and payment histories on all credit accounts. 

I also believe this restriction goes against the law in place that requires a lender to remove XXXX when the XXXX drops below 78 % of the value of the home.
Product: Debt collection

On XX/XX/XXXX someone must have put an electricity bill in my name. I lived in a 2 family home and I was completely unaware of the bill. XXXX XXXX XXXX says that I owe them {$770.00}. And it went into collections with CONVERGENT OUTSOURCING. When I tried to dispute this case in XX/XX/XXXXthey said that all of the information matched but I was still unaware of the bill until recently a few years ago receiving a bill at my at my current address. I tired to explain this to the collection agency but they didnt care, they said all the information matched. Yes the information matched but I was unaware that someone stole my identity and opened a Electric bill in my name. It isnt fair that I have to suffer because someone stole my information.
Product: Checking or savings account

On XX/XX/XXXX, I received a notification on my mobile device regarding unauthorized charges ( total amount of {$1000.00} ) made against my checking account with Chase Bank. Immediately, I contacted that institution concerning the fraudulent transactions whereas Chase Bank took the following actions : 1. Cancelled my Chase ATM debit card 2. Reissued me a new Chase ATM debit card 3. Reversed the unauthorized charges. 

Subsequently, on XX/XX/XXXX, the unauthorized charges were reinstated on my checking account. After numerous discussions with representatives from Chase 's claims department, including my numerous requests for their investigation procedures pertaining to my account, and any evidence regarding the unauthorized transactions, I was told they concluded the transactions were my responsibility and are in the belief that I had conducted them. I find this preposterous. Under Regulation E of the Federal Banking Code, I am warranted consumer protections against fraudulent activity committed against my bank accounts.

Chase Bank is alleging the transactions are mine. How can this be when the fraudulent activity occurred in XXXX California while I was in XXXX XXXX? The criminal acts began at XXXX XXXX  with the final occurrence at XXXX XXXX. I had last used my Chase debit card that same day at XXXX XXXX. So what Chase alleges, is that I purchased multiple items in XXXX XXXX and somehow made it to the XXXX XXXX XX/XX/XXXX store in a little over two hours. That is logistically impossible. However, Chase refuses to listen to logic and insists I am the person who made the unauthorized charges. I will reiterate, they have not released, to me, any information regarding their investigation into this matter, nor have they provided any evidence as to committed the unauthorized transactions. I strongly suspect, Chase Bank did not perform its due diligence investigating this matter, and figured their path of least resistance is to blame the customer as opposed to making a good faith effort in discovering the truth.
Product: Bank account or service

I opened a XXXX checking account in XXXX 2016 after receiving in the mail promotional code XXXX. This promotion entitled me to earn XXXX XXXX Bonus Miles if I made XXXX electronic bill payment for two consecutive months and {$1000.00} in purchases using the Citibank Debit Card. 

These were required to be completed within 60 days after account opening ( meaning by late XXXX 2016 ). I am not sure what the problem is in Citi 's operations department, but I had to call customer service multiple times in XXXX and XXXX because I never received a debit card. I first needed the debit card before I could make the {$1000.00} in purchases as well as activate my online account to make the bill payments. 

Finally in early XXXX I received my debit card, over 60 days after account opening. I called customer service and explained the situation, and the representative explicitly told me I could still complete the steps and receive the promotion, even though it was past the stated deadline. The representative told me to call back in and report when I had completed the bill payments and purchases. 

I called in early XXXX to report that I had met the requirements, and I was told I would be awarded the miles within 90 days. After over 90 days had passed, I called on XXXX/XXXX/2016 and inquired about the status. After waiting 5 more days, I received an email stating " your account does not qualify for the promotion because the required bill payments and debit purchases were not made within stated timeframe. '' I called again and asked for a supervisor, who told me that " the Promotions team may have told you that you qualified this summer, but now they say you do n't. '' Had I been told this originally in XXXX and XXXX when I called, I would n't have kept my account open. I have been paying a XXXX monthly service charge each month waiting on the miles to vest and deposit into my account. I honestly believe that Citi enticed me to open an account with a promotion, then intentionally provided slow service and mixed answers so they could continue to collect my monthly service charge. 

I am extremely angry with this situation and Citibank 's response. Not receiving a debit card for over 2 months as it was supposedly " lost in the mail '' multiple times is unacceptable. On top of that, being explicitly told I was granted an exception to the promotion timeframe deadline, then being told the opposite with no recourse after Citi extracted multiple months of service charges, is ridiculous.
Product: Credit reporting or other personal consumer reports

Credit inquiry on my Equifax report that I didn't authorize. The inquiry was made by XXXX XXXX  on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written/se nt 3 certified letters to Transunion and   XXXX   on 3 s eparate occasions to dispute an inaccurate Public Record/US BKPT CT GA that is being reported on my credit report. In my letters, I requested TransUnion and  XXXX  provide me with any and all information that proves/verifies this information belongs to me if the inaccurate  Public Record was not removed. The only information I received after multiple requests for removal of the inaccurate Public Record is an updated credit report stating that the item in question was verified or verified as accurate. I have never received any supporting documentation on how they verified and came to this conclusion.  I feel that MY RIGHTS have been violated as a consumer and I am requesting your assistance with this matter to have this inaccurate Public Record/US BKPT CT GA removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several inquiries and accounts thats fraud on my account or unauthorized applied to open accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I have an XXXX store card through synchrony. When I logged in to pay the bill in XXXX it said minimum payment due was {$66.00}. I made to payments for a total of {$67.00}. I was hit with a {$40.00} late fee because they said I had a {$27.00} balance still due. I explained to them that I paid the minimum due according to their website. They told me I should've paid the minimum due according to my statement. When they send the email, it says the same in the email as it is on the website in regard to balance due. I've contacted them twice on this matter. They have blocked my card until I make the payment for this pay cycle due on the XXXX of XXXX. How is this fair business practice when I paid what was due and still accumulate fees based on the reporting of their website, email, and system.
Product: Credit reporting, credit repair services, or other personal consumer reports

ADDITIONAL NOTES ( 4 ) Date Note n/a XXXX XXXX XXXX  n/a XXXX XXXX XXXX n/a XXXX XXXX XXXX n/a XXXX XXXX XXXX|PREVIOUS XXXX # : XXXXPREVIOUS XXXX  # : XXXX These issues are on my background check. I have never been XXXX XXXX XXXX XXXX. But this is on MY record. Other companies have been pulling my record too. I have not been hired by the other companies. And may not be hired by this company. This reporting on my record may have cost me other jobs too. I really need to know where these charges are from. There is not enough information here. I have copied and posted what is on my report. Please fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint against XXXX XXXX XXXX 7 or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have 7 late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wednesday night XX/XX/18, I got an alert from XXXX XXXX saying that I had a new credit inquiry from Consumer Portfolio Services. I knew right away that I did not apply for credit or authorize that inquiry. I then submitted a dispute on XXXX, which is the bureau this inquiry appeared on.
Product: Credit reporting or other personal consumer reports

I requested on XX/XX/year>, To Equifax to REMOVE OLD ADDRESSES, PHONE NUMBER AND EMAIL ADDRESS AND UPDATE IT TO MY NEW ADDRESS ONLY. NO OTHER INFORMATION SHOWING UP. 
ON XX/XX/XXXX I received my Report and IT'S NOT CORRECT.ITS STILL SHOWING OLD INACCURATE INFORMATION. 
WHY CAN'T YOU ADDRESS THIS ERROR PROPERLY.
Product: Checking or savings account

CITIZENS BANK is retaining {$30000.00} from a check I issue to Mr XXXX XXXX, my carpenter contractor. My bank ( XXXX XXXX  ) negotiated my check and send the money to CITIZENS BANK to pay Mr XXXX XXXX, in XXXX XXXX. I attached photos of check and fotos of my business with EIN. To proof A legal business.
Product: Checking or savings account

I opened a new saving account on XXXX, with the promotional code XXXX. I reached a {$25000.00} balance by XXXX and maintained that balance through XXXX. According to the promotion, I should have given the XXXX bonus within XXXX days. I double checked with the banker via email ( attached ) on XXXX to confirm the eligibility. On XXXX, I called US bank customer service to enquire about the status, the banker over the phone also confirmed my eligibility once again and initiated an internal request of the bonus transfer. I did not receive any further feedback from US bank, therefore I called again on XXXX and were explained the first time that I was not eligible for the bonus due to the definition of New Fund is not met. I filed an official complaint and requested a written reply on why XXXX bankers confirmed my eligibility and XXXX rejected. On XXXX I called US Bank customer service as I still did not receive any written feedback. Over the call, I was informed that there were no complaints previously filed and US Bank will not be able to provide any written feedback due to internal policy. Therefore, I would need the assistance of CFPB to investigate the case.
Product: Credit card or prepaid card

I had made a purchase of multiple items from Amazon on  XX/XX/19 which I thought were suppose to be for zero percent for 6 months. I get my statement and there is sometime at the beginning of XXXX. I notice the charges are not under promotional terms. I call at that time I'm told that it will be move to one and to wait 48 hours to see it online. I log into my account on XX/XX/19 and see the charges are not under promotional terms. I call speak with agent ID XXXX and I'm told the same thing again. I asked for confirmation email and was told they would not provide that. I would like for
Product: Debt collection

I have a collection account for {$210.00} on my XXXX  credit report that was reported on XX/XX/20 that isnt mine. I have contacted XXXX  and Ive disputed the account multiple times. XXXX  states that the account is verified and accurate. On XX/XX/20 I contacted CCS collections who is the company reporting the account as well as XXXX who is the original creditor. CCS agent said that the account is no longer being reported from their offices and I should contact XXXX. I spoke with 5 to 6 different XXXX  agents who obviously couldnt find any account under my ss #, address, or phone # because it doesnt belong to me. XXXX  should immediately delete and remove this account which is hurting my credit score.
Product: Mortgage

I was assured on monday by jp morgan chase office and spoke to XXXX at XXXX XXXX that cfpb bureaus case XXXX was not closed and were associated with the wrong reference number. He stated the letter i received XXXX XXXX, XXXX was accurate and that XXXX were working on it and will provide answer by XXXX XXXX. I said that XXXX has been working on this since XXXX and are just spinning my wheels and not interested in resolving the complaint. I have the discharge of mortgage but need the backyard fence, the deck, the swimming pool and Jacuzzi replaced which the mortgage fraud scam artist XXXX XXXX whom are still in the property have destroyed in the name of chase and jp morgan. When my loan was not in foreclosure and XXXX XXXX marked paid and closed. 

As I 've told her I would be satisfied with XXXX to replace this and to make me whole again by chase and jp morgan.
Product: Credit reporting or other personal consumer reports

I paid off these XXXX accounts I called several times after the account was paid off. I stated it was impacting my credit. I was trying to purchase my first home. They stated they could not do anything l XXXX XXXX/ Ashro paid together confirmation number XXXX paid off on XX/XX/year> Maine and Monroe paid off XX/XX/year> Confirmation number XXXX They are still impacting my credit please help.
Product: Debt collection

ARS National Services was paid for Us by XXXX XXXX XXXX. 
They claimed they have not been paid the last payment but they were on XX/XX/2020. 
We faxed them all the information they said they needed. I want to say in XXXX of last year but they are reporting every month that we are a late pay again. This is hurting our credit. We have already contacted them though XXXX.