23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Disputed XXXX account showing incorrect information and status. Showing trade line as a Charged off account as of XX/XX/2016 which is incorrect. This account was paid in full to the original creditor with a {$0.00} balance. Experian states they verified this with the original creditor, but upon speaking to the creditor they also show a {$0.00} balance and all my payments paid in full to them directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are XXXX inquiries on my transunion credit report this information is in violation of my federally protected consumer rights under 15usc 1681 and 15 usc 1692 g as a consumer i have a right to privacy and a right to have accurate information reported on my consumer file i have sent several ftc reports as well as police reports all of which were denied ive also submitted a complaint to the attorney generals office regarding this matter please assist me in the correction of these issues
Product: Credit reporting

XXXX XXXX XXXX is a fraudulent account. I have been trying to get the account removed for months. Every time I receive a dispute complete letter from Equifax , it says, we verified that this account belongs to you. So, I went to my local police station, filed a police report and got an identity theft affidavit. The officer at the station even called XXXX XXXX XXXX and was told if I send in those XXXX documents, that Equifax would be allowed to delete it from my credit report. So, I went ahead and faxed the information in, only to receive another dispute status saying that Equifax verified it is my account. XXXX have already deleted it. I am not sure what the issue is with Equifax but this fraudulent account is weighing down my credit score.
Product: Student loan

In XX/XX/2019 I made payment in addition to my normal monthly payment. I included instructions with my payment. The instructions stated ( 1 ) the over payment was to be applied to 1, and only 1, of my several student loans ( 2 ) The payment was to be applied to outstanding interest and then principal ( 3 ) The payment due date of the loan was not to be advanced ( the entire payment was to be applied immediately and ( 4 ) if the servicer could not follow my instructions, then the payment was to be refunded. 

My payment was not applied correctly. Instead of paying down the loan, Navient advanced the payment due date, resulting in XXXX payment each month on the loan additional interest accumulating on the {$300.00} of the loan principal that was supposed to be payed down. I emailed and called Navient to try and correct the problem. Despite saying they would fix the issue, the loan due date keeps getting advanced. It is now XX/XX/XXXX and the issue is still now resolved and my money has not been returned pursuant to my instructions. 

I am afraid to make extra payments because Navient ignores my written instructions, keeping me in debt for as long as they can.
Product: Credit card or prepaid card

On XX/XX/2018 I applied for an Ally Bank credit card. On XX/XX/2018 XXXX XXXX accessed my XXXX credit bureau report. 

Subsequently XXXX XXXX sent me a letter purporting to be an Adverse Action / ECOA Notice. This notice, required by law, must describe the real and actually reasons why my application was denied. Instead, Ally Bank subtitled untruthful, fraudulent reasons. 

XXXX XXXX simply regurgitated word for word the four factors that FICO Score uses when describing why one 's credit score is not higher than it actually is. 

For example, FICO stated my credit score was only XXXX because : Lack of recent installment loan information XXXX XXXX stated my application was denied because : Lack of recent installment loan information XXXX XXXX 's actions do not comply with the law.
Product: Checking or savings account

Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX Dear XXXX XXXX Department, After reviewing my account activity, I believe there are unresolved discrepancies that require your immediate attention. I am writing to formally raise a grievance concerning unpaid civil penalties charged to my account in relation to the XXXX XXXX XXXX. 

Details of the Issue : Account Number : Transaction Date ( XXXX ) : XXXX Transaction Amount ( XXXX ) : {>= $1,000,000} Nature of the Discrepancy : Charges were processed without authorization, penalties were applied in error, or payments were not appropriately credited. 

I have made multiple attempts to resolve this matter by contacting the XXXX XXXX XXXX and your customer service department ; however, the issue remains unresolved. This situation has caused unnecessary financial hardship and undue stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) : XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion regarding incorrect information being reported. They asked me to provide proof of the incorrect informtion. I provided that. They responded the inforamtion they reported is verified to be correct. Even tho the address is not correct they still refused stating the source verified the address was correct. So i reached out to the source and asked them to provide me the information transunion paid for and just as I thought the address is not mine. I followed up again with transuion and this time I was told to contact CFPB. 

Attached is the letter i sent DL Prooff of residency SS card Document from source listing the incorrect information Response 's from Transunion for the few times I disputed the information
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was never late with XXXX, it was completely paid off. And removed from XXXX, I would like it removed from Equifax and XXXX  as well.
Product: Credit card or prepaid card

For over 10 years, I have had a credit card under the name Teamster Privilege Credit card. This card has been managed for at least five years by Capital One. In XX/XX/XXXX, I received notice of some changes surrounding the use of the card in  regards to credit terms etc. When I attempted to make my payment as usual through the website, I received a message that I would need to re-register. This is a first as I have been making online payments without issue for years. After several unsuccessful attempts to complete the online registration, I called customer service to inquire. I was advised that due to my account being closed ( It has been closed for some time without issue ), I would not be able to register and that I have one of several cumbersome choices in regards to making my payment. I can ( 1 ) write a check, ( 2 ) get a money order, or ( 3 ) call customer service each and every month to make my payment over the phone. Essentially, I no longer have the option to view and pay my balance on line. Is it even legally compliant that I do n't have access to view and manage my account electronically? I spoke to several different people during the course of one day, including a supervisor, who confirmed this.
Product: Bank account or service

My brother and sister and I had schedule to meet at the Key bank XXXX in XXXX, Ohio on XXXX XXXX, 2015 around XXXX My husband drove me to the bank. My brother was there when my husband and I showed up. My sister was a little late getting there so my brother and I greeted each other and he called my sister to see if she was on her way. XXXX when the bank opened, a banker came to unlock the doors. She went back in and another banker came to the door. My sister showed up about XXXX The XXXX of us greeted each other and proceeded to go into the bank. We were met at the door by XXXX the bankers. She told us the system was down and we would have to use the drive thru window. We told her we did n't need to use the drive up window. We told her that we needed to speak to someone about a loan modification. She told us we would have to call customer service and speak to them about getting a loan. We tried to tell her why we were there but she kept referring back to a customer service number and a loan. All of the conversation was taken place outside the door of the bank. My brother asked the banker why we were standing outside in the cold and not inside having this conversation. We were stopped at the door and told we could go to the bank in XXXX. We live in XXXX and we did n't need to talk to anyone about getting a loan but we needed to speak to someone about modifying a loan we already had with the bank. We never got a chance to tell this. Every time we tried the banker would say we can speak to customer service, and she told us to go to another bank. We were embarrassed and humiliated. The police were called and people were coming out of the bank looking at us as if we had stolen something. Women were rushing to their cars. Yes even though we were told the system was down everyone that was n't XXXX was able to go into the bank and do their normal banking. After we realized we were being discriminated against my sister used her cell phone to record the events. I told the banker, after she said she recognized my sister, that we are together and that we were siblings. She just looked at us as though we had done something to her. This situation was so embarrassing, plus it was cold I went back to the car to get warm. My sister was still trying to get information while still being told to go else where. I tried to explain to her that we were siblings. She said she recognized my sister but she still would n't allow us to come in and sit down and talk to her. Mean while other XXXX people were allowed to go into the bank and do their normal banking. People were leaving the bank in a hurry as if we were some kind of criminals. It was embarrassing and I had to keep my brother calm.
Product: Credit reporting or other personal consumer reports

I demand you remove all this personal information. Information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

IC System reported a missed payment on a debt I didnt know existed, after finding out I am a XXXX  XXXX  recipient and they could not get money judgement. IC System asked me to file police report, but police said stall tactic by XXXX and XXXX. XXXX has never sided with person over corporation and they did not address complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that the fraudulent accounts on my credit report be removed as they are not mine and I have no knowledge of them. I am invoking my rights under USC 1681g, and I kindly ask that you delete these accounts from my credit report within 15 days. Attached are the necessary documents to support my request.
Product: Mortgage

I recently requested a second mortage on my home. In preparing the documents, it was discoverd that when I refinanced my mortage with XXXX XXXX  XXXX from LOANCARE two years ago, LOANCARE has not filed the Deed of Reconveyance. My CU has advised they are in violation of compliance ; we have documentation showing the request made seven times in the past three weeks, as well as twice from the original refinaced done 2yrs ago.

LOANCARE had not responded to emails or phone requests to get this Deed of Reconveyance recorded. I am concerned as this will be a problem if I should try to sell or refinance my house. 
We tried several times to take care of. My account number with them was XXXX Your loan with them got paid off by wired funds from XXXX on XX/XX/2018. 

thank you. XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, I have recently inherited a property due to the recent passing of my father, XXXX XXXX. Loan # XXXX. We notified the servicer of the death in late XXXX and immediately upon receipt of the assumption package we emailed the requested loan assumption documents and death certificate on XX/XX/XXXX to assumptions @ loanadministration. We received and auto reply notification that the documents were received. We then received an email from XXXX in Assumptions that requested we send all the documents again even if we have already sent them. We immediate emailed them again. Then we received a notice in the mail early XXXX, dated XX/XX/XXXX stating that we are unable to assume the loan as investor guidelines do not permit it. This is a 30 year conventional mortgage - I am unsure who the investor is. We have been reaching our to loan depot since receipt of the letter at the number provided XXXX and are getting no where. We finally reached one gal in customer care, XXXX XXXX, who advised that the executor of the XXXX needed to send in requested documents. XXXX XXXX, my brother, and executor of the XXXX tried to fax the document to the number provided, XXXX multiple times. XXXX then advised him to email these documents to XXXX which were sent on XX/XX/XXXX. We have called numerous times and spend countless hours on hold, being transferred from person to person - with no answers ; no one seems to know anything about dealing with a decedent account or an assumption for that matter. The lack of compassion and care for the customer that is experiencing a loss of this magnitude is astounding and quit frankly unacceptable. It is my understanding the servicer is to work with the costumer in these situations ... instead it is turning into a nightmare. We have paid the mortgage for the last three months, lived in the property for years and just want to understand the next steps. Can we assume it, can we refinance it into our names, is it considered a purchase? Rates are at an all time low and we would like to get this resolved with as minimal emotional impact as possible. We are not getting any answers and keep trying. I am writing now this complaint as I am at my wits end extremely frustrated as I am sitting on hold for the third hour today. No customer should have to go through this to get some answers. 

Thank you for your assistance and prompt attention to this matter. 
XXXX XXXX XXXX XXXX
Product: Debt collection

As of XX/XX/2021 XXXX has kept a garnishment on record of a past employer XXXX XXXX I haven't been with for a 15 hr a week pt job in several years due to my physical limitations. From my past complaint they closed the XXXX XXXX garnishment but haven't closed the XXXX XXXX nor explained why they contacted an employer I haven't worked at in several years. I am SSDI only and receive food stamps based on the XXXX income.
Product: Bank account or service

Chase continues to put extended holds over 7 days on XXXX particular checking and from XXXX particular account at XXXX. Chase is storing a hold alert in their computer systems to automatically put a hold on these particular deposits. Chase is to make the funds available in 2 business days and they are not doing so. Further they refuse to clear their computer system which is programmed to put a hold on the depsoits into this Chase account from the XXXX account,
Product: Debt collection

On XX/XX/XXXX, I requested a validation letter regarding the alleged debt. I have not received the letter. They continue to send me a payment plan. 
On XX/XX/XXXX, I contacted the original copy of the alleged debt and they informed me that the debt was sold to a different company than the one I continue to receive calls from. 
On XX/XX/XXXX, I sent letter via email to the company requesting a validation letter showing that they now owned the alleged debt or was a representative of the company that owns the debt. They continue to refuse and argue that they are going to garnish my wages or take me to civil court.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL ANGECIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, TXXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

I have sent everything that The Money Source has asked for and they have essentially refused to look at the information they requested. They will not take a payment unless I have the entire amount. Since starting this process in XXXX I have the feeling that they want the house back and I have no where to go.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding your company 's failure to conduct a proper investigation into inaccurate collection items on my credit report. 

Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXXXXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX  XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX  XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX  Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 

It has come to my attention that despite repeated attempts to resolve this matter, your company has neglected to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit bureaus are required to conduct a reasonable investigation into collection items brought to their attention by consumers. However, your company has failed to do so on multiple occasions, thereby violating the law.
Product: Money transfer, virtual currency, or money service

I have been receiving messages from someone that I suspect of impersonating someone else on my XXXX account XXXX and on my XXXX XXXX XXXX. They had me transfer funds {$200.00} to another individual through my bank account using XXXX. The recipients name is XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my credit file. I have made numerous requests and provided the necessary documentation to rectify this issue, but despite my efforts, the fraudulent items persist on my credit report. 

Despite these efforts, the fraudulent items remain on my credit report, causing significant distress and potential harm to my financial well-being. I understand the importance of accurate and up-to-date credit information, and I believe that resolving this matter promptly is crucial. 

I kindly request the following actions : A thorough investigation into the fraudulent items on my credit report. 
XXXX removal of the inaccuracies from my credit file. 
XXXX communication regarding the resolution and the steps taken. 
I have attached copies of the supporting documentation, including XXXX, DL and copy of Identity Theft Report for your reference during the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Barclay 's Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit card or prepaid card

I got my new Citi Aadvantage MasterCard around XX/XX/XXXX. Since then, I have been unable to add the card to my XXXX XXXX on my XXXX for use with XXXX XXXX. 

I spoke to Citi, who told me I needed to call XXXX, because " rest assured '' there is no problem with Citi. 

XXXX told me there are no issues with my XXXX XXXX and that if I'm unable to resolve the issue with Citi, I should request a " PNO escalation ''. 

I've spoken to multiple representatives from Citi since XX/XX/XXXX, both on XXXX, their website chat feature, and through callbacks initiated by Citi. 

No one has been able to resolve the issue, or seems to have made an attempt to resolve the issue. Each time I call it's as if I'm speaking about an entirely new issue. This morning I was called and then put on hold for 15 minutes, and then transferred to someone who had no idea who I was.