23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

regarding a bussines acount with suntrust bank. i deposited a check on XXXX, and funds were credited to my account. middle of XX/XX/XXXX, my deposit was reversed. the amount for my deposit was deducted from my account along with fees. there after i started to recieve letters stating that i was being charged with forgory and bank fraud resulting from the deposit i had made on XXXX, and are asking for the funds to cover the reversed deposit again. they included a phone # to call to dispute their claim. i called the # several time, and i was informed that no one in the fraud department could talk to me. they closed my account, and charged me for the returned check deposit again along with fees. i now can not open a bank account resulting from this. i have been at my branch several times and spent several hrs and can not get a resolution.
Product: Credit reporting or other personal consumer reports

The following accounts are in violation of the FCRA. The following accounts are reporting as late, I have NEVER been late on these accounts. 

-- -XXXX XXXX acct # XXXX, opened XXXX -- XXXX XXXX XXXX acct XXXX XXXX, opened XXXX -- -XXXX XXXXXXXXXXXX XXXX XXXXXXXX acct # XXXX XXXX opened XXXX -- XXXXXXXX XXXX acct # XXXX, opened XXXX
Product: Debt collection

XXXX XXXX XXXX is in XXXX XXXX, CO. It is a residential apartment complex. The debt was sold to hunter warfield. The amount the apartment said I owed is very inaccurate. I could not afford to pay XXXX XXXX rent so I surrendered my apartment VOLUNTARILY. With that being said I only owe XXXX XXXX rent and a lease break fee. The apartment was brand new and in great shape when I moved out of it, I had only lived in it for 2 months before surrendering it. The astronomical amount they said I owe is very inaccurate. I also never received itemized list of charges stating why I was hcarged what I was charged
Product: Checking or savings account

MY PERSONAL NAME HAS VALUE. PLEASE UPDATE THE ACCOUNT. THIS IS CALLED VALUE AND CONSIDERATION. WAS ANY VALUE OR CONSIDERATION GIVEN IN REGARDS TO MY PERSONAL NAME THAT CREATED THE ACCOUNT IS AN ASSET TO THE BANK. THIS IS A BLATANT VIOLATION OF THE FDCPA, FCRA, & THE TRUTH IN LENDING ACT XXXX TOLD THAT YOU ARE THE LENDER AND NOT THE BORROWER. FORGIVE XXXX FOR OUR DEBTS AS WE FORGIVE OUR DEBTORS. MEMBERSHIP VERIFICATION FORM REQUIRED BECAUSE I AM THE PREFERRED SHAREHOLDER OF ANY AND ALL ACCOUNTS IN MY TRADENAME WITH OR WITHOUT MY CONSENT VIA MY XXXX WILL APOSTILLE RECORDATION. : XXXX XXXX XXXX
Product: Debt collection

The loan was taken from Omni financial of Nevada, in which they have given the debt to a company named XXXX XXXX  XXXX XXXX. I spoke with a lady name XXXX XXXX on XX/XX/XXXX, she " stated '' that she has to put a request in for the manager to contact Omni in order for them to send me any statements or a copy of the contract. I was able to get their address which is XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I did follow up on XX/XX/XXXX regarding if they were able to send me the statements and Omni told them " that they are not going to send out any documentation due to me being stationed in Hawaii because it was a personal loan through the Hawaii internet lending '' and they gave XXXX XXXX a " verbal '' of why I owe the money with no documentation. The total amount is {$8000.00}, and the account went into collections in XX/XX/XXXX. XXXX XXXX received the account with a balance of {$4800.00} and they are charging me {$3100.00} in interest and Omni is only willing to settle for {$6000.00}. 

As of today, XXXX  has the loan reported as a note loan that was closed on XX/XX/XXXX, and has been charged off since XX/XX/XXXX. The original balance of the loan which XXXX  has reported as of XX/XX/XXXX was {$3300.00} with a past due amount of {$8500.00} with an interest rate of 33 % I believe. I have spoken with a Jag attorney ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) he has requested me to submit a complaint with the CFPB.
Product: Debt collection

XXXX XXXX XXXX is the name on one credit file and XXXX XXXX is on the other credit files I am a identity theft victim XXXX XXXX XXXX lives in XXXX Texas stole my identity I never traveled to Texas at all been in XXXX FL for entire life. I have the texas address listed on my credit file as a formal address?
Product: Credit reporting or other personal consumer reports

I disputed XXXX separate accounts on my report that are supposedly verified. The problem is, the account can't be verified as they do not belong to me. Any verification obtained was hearsay and should not be allowed. These accounts could very well be due to your own data breach and here you your are reporting inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the consumer protection to contact the 3 credit report bureaus to restore the score to the point it was before I interacted with the office in XXXX. You have documents of before and after score which is not possible. You can even ask the companies. 

On XX/XX/2021 I applied for a mortgage at a company in XXXX called XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I told the lady my basic information and she said I will have no issue being pre approved. She then about a week or two later said I can not be approved for the convention loan, she was rushing to get off the phone with me. I then emailed her and said I wanted the FHA loan, she never responded to me. I then called another mortgage broker based out of RI within the 30 day silo or shop around period, he pulled my credit and now the median score was 21 points lower. I then called another cross country mortgage in PA and they said they would have given me the FHA loan. I tried to call cross country mortgage in XXXX from a different phone number I got an answer and the lady said it could be possible to transfer my file to a different office.This office in XXXX is discriminating against me. This does also not explain why my score dropped so much, when it should not have because I was in the 30 day period to shop around for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

Experian took and reported my balance for my credit card after my closing statement date my closing statement date balance was lower than my original balance now and they reported in accurate information on my credit file. I need it experience to update my credit and give me my points back.
Product: Credit card or prepaid card

Related to Compliant ID - XXXX - Citicard open a closed and opened a dispute with the vendor without authorization. I don't think they can be trusted to handle my money if they can't do simple thing correctly. 

Clearly citi card is still very very confused. 
They closed XXXX for XXXX with the vendor *This dispute should of never been closed vendor has not completed the work until XX/XX/2023 *Not a single phone call was ever made to notify me of closure They opened XXXX for {$8900.00} with the same vendor *This dispute should of never been opened, I never authorized this, the disputed charge was for the {$8000.00} *How do they authorize a dispute on my behalf, i believe that is Illage
Product: Debt collection

XXXX offered me a deal for free cable and internet for 1 month. I could then return it after that promotional period. I asked about catches, and they stated their was a XXXX deposit for the equipment and that was all ( I can not remember the exact amount as this was about 8 years ago ). After 1 month, I returned the cable TV box to my local XXXX office. I then paid for the internet service for 3 months, and cancled at that time. When calling to cancel they stated that I would need to drive to the XXXX office to return the equipment, which is 2 hours away. I asked about the XXXX office, thinking they were mistaken about the closest one. They stated that I could not return it there, and that if I did I would be billed for the equipment. I asked for anything showing that I agreed to these terms, and they are yet to provide, because it never existed. I was very skeptical about the deal, so I read the 1 form for the equipment that I signed very thoroughly. It never mentioned anything about return the equipment to XXXX, and they never gave any objections to the Cable equipment being returned to the XXXX office. I would like the XXXX collection they issued which is now reporting with Credit MGMT acc # XXXX to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$90000.00} ; XXXX XXXX Balance Owed : {$32.00} ; XXXX XXXX XXXX Balance Owed : {$3800.00} ; XXXX XXXXXXXX Balance Owed : {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the incorrect information about my accounts have been diligently neglected by Equifax. Despite sending them the last request, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my reports : XXXX XXXX Opened XX/XX/XXXX Balance XXXX - ( bankruptcy ) XXXX BANK XXXX Opened XX/XX/XXXX Balance - XXXX - ( bankruptcy )
Product: Credit card or prepaid card

In XX/XX/2019, Citibank- The Home Depot reported a 30 day late on my credit. I had submitted the information in the system for automatic payments. The automatic payments did not go through on citibank side. I requested that the creditor pull the telephone recording to verify the request submission from XXXX of XXXX  with no response. I have written, text and called with no recording or follow up. This late has caused a 60 point drop in my credit with a 7 year stain on my credit. I want the 30 day late removed as I have NEVER missed a payment before.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX company has reported 3 late payments on my account to the credit bureaus ( 30,60,90 days ). For the months of XXXX, XXXX and XXXX of 2022. This information has completely ruined my credit and made me miss on the opportunity to get credit to buy a house, I have never been delinquent on this account, my payments have been made on a timely manner, however XXXX XXXX still wrongfully reporting my account as past due.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute and request the removal of **unauthorized and inaccurate hard inquiries** from my credit report in accordance with **FCRA 1681b and FCRA 1681c-2**, which state that inquiries must be **authorized and verifiable** by the consumer. I have reviewed my credit report and found the following **hard inquiries** that I do not recognize or recall authorizing : **List of Disputed Hard Inquiries** The following inquiries appear on my credit report and must be investigated for proper authorization : - **XXXX XXXX Experian XXXX - **XXXX XXXX XXXX Equifax XXXX - XXXX Equifax XXXX - **XXXX XXXX TransUnion XXXX - **XXXX XXXX  Experian XXXX - *XXXX TransUnion XXXX - **XXXX  XXXX Equifax XXXX - XXXX XXXX Experian XXXX - **XXXXXXXX  Experian XXXX - **XXXX XXXX TransUnion XXXX - **XXXX XXXX XXXX XXXX Equifax XXXX - **XXXX XXXX XXXX Experian XXXX - XXXX XXXX Experian XXXX - **XXXX XXXX XXXXXXXX Equifax XXXX - XXXX  XXXX TransUnion XXXX - **XXXX XXXX XXXX XXXX Equifax XXXX XXXX *XXXX XXXX XXXX Experian XXXX - XXXX Equifax XXXX XXXX XXXX XXXX  **Action Required** Per **FCRA 1681b**, a credit bureau may **only report inquiries that have been authorized** by the consumer. Since I do not recall authorizing these inquiries, I demand the following actions : **Provide documented proof of my written authorization for each inquiry listed above. ** **If no proof of authorization exists, immediately delete these inquiries from my report. ** **Send me an updated copy of my credit report reflecting these removals. ** Failure to comply with this request will result in a **formal complaint** to the **Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action if necessary. ** I expect a response and an updated credit report **within the legally required 30-day time frame. **
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting an incorrect coding of the XXXX XXXX   XXXX. partial account number XXXX. This account needs to be coded as an M1. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit scorXXXX and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

This collection agency was sent a debt validation letter, to which they never responded back to.
Product: Mortgage

The closing proceeds after selling my property where issued on XX/XX/2024 with Firstbank Mortgage in XXXX XXXX, XXXX XXXX. 
The mortgage loan department decided that the wanted to retain some tax deeds of my property until I give proof that everything of the property was paid in full, However, that case did not applied because the property was under HUD and it was considered exonerated, also because it was my first property. The bank made up a lot of excuses to retain {$5800.00} pertaining to the sale of the property. They only decided to give me {$800.00} back and remained with the rest. XXXX XXXX XXXX from the Mortgage Department ignored all my calls and emails and never responded to my inquiries.
Product: Credit card or prepaid card

On XX/XX/18 I called NetSpend activation line provided on a newly purchased ( $ XXXXusd ) prepaid card. I was informed that I needed to verify my identity and proof of address by emailing a pics of a state issued ID card, social security card, and proof of my physical address of which they sent a list of approved items that they would accept. The first time I responded with pics they accepted all but proof of address saying that the letter was still in its original windowed enveloped and wasn't acceptable that way and that thy need to see the full with all four corners to verify its authenticity. So I did. The excuses I have received since then are as follows. 
1. address was out of focus.

2. item wasn't on the approved list ( even though it was ).

3. reference number wasn't correct.

4. faxed approved item wasn't original but a reproduction.

5. faxed item was out of focus. 
To date I have emailed 3 different approved each one at least twice an have faxed to different items both twice and they themselves have mailed me a personalized credit card to my physical addressed which I have tried to activate yet still they refuse to activate so I can access the {$30.00} I put on the card over a month ago.
Product: Credit reporting or other personal consumer reports

This is proof that XXXX XXXX has disputed this with Experian however Experian never responded. 
Experian refused to remove this item from my credit file
Product: Debt collection

I've sent specific documentation and requests to this company, 'XXXX XXXX '. They closed the account as a result of them failing to provide any contracts or documents bearing my signature proving that the account belonged to me. According to the FCRA Section 623, this account must be permanently deleted from my credit report immediately. It is your responsibility to send a deletion request to the bureau 's. Failing to delete this account would put you in violation and I may pursue legal action. XXXX agreed to cease all collection activity because the account wasn't mine and neglected to delete the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is not mine. I have tried to resolve this issue without any success.
Product: Credit card or prepaid card

I had reached out to Barclays back in XXXX about enrolling into the service member civil relief act. I had reached back out multiple times submitting a rebuttal but have yet to receive a response back. It has been over 30 days and I was told over the phone that by law Barclays is required to respond. I am XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and I am currently reside in XXXX of the XXXX key provisional states that extends these benefits even after a service member has joined the service. I understand that Barclays follows the federal law to the letter, but other federal owned banks that I had loans in have honored the Louisiana legislation without a snarky response over the phone. 
https : //legis.la.gov/legis/Law.aspx? XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Despite this debt being in dispute and its unliquidated character you continue to XXXX  inaccurate facts on my credit report. You have an outstanding amount due on my loan portal of {$13000.00} last month and {$15000.00} this month. Obviously you have not been paid. But you report you have been paid off on my credit report. That is inaccurate. XXXX XXXX XXXX XXXX, NY XXXX Recently reported the debt as paid. Nope. Not paid. Not yet. Prove it with a payoff statement. U cant. XXXX XXXX  has yet to hold this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has taken my case against XXXX and I am requesting statements from XXXX to XXXX from XXXX XXXX and XXXX XXXX. I need to have copies for my records. As this account had fraudulent balances that were never resolved by XXXX. The credit reporting that they continue to report I will be seeking penalties and damages for the financial hardships it has caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to buy a home through FHA. Two of the credit reporting agencies reported accurate information. The third, XXXX, first was locked, I could not gain any info. Then with the help of my finance consult, on XX/XX/XXXX we finally found someone that understood our problem : My credit report contains information on someone else with the same name that is DECEASED. And two accounts specifically, XXXX/MILITARY STAR, are on my report. They are not mine, have never been in the military, and I am not DECEASED. We filed a dispute XX/XX/XXXX and about 3 weeks later, someone finally discovered the problem and DELETED the XXXX account. So I thought that would solve everything, since they had lumped XXXX and MILITARY STAR together. So when my finance person and I went back to see what XXXX was reporting, in order to finalize my FHA loan, before I lose ANOTHER chance at a home, it still showed MILITARY STAR on my report, that I am DECEASED and the account has been closed since 2015. The only info I have on this account is in the report, with the number of the account as XXXX ... ... I need this off my report! Otherwise I am never going to be able to qualify for the FHA loan! It is now the second week of XXXX and I am getting very frustrated with the whole system. I am going to try to contact MILITARY STAR again to see if I can get anyone that can help and understands what I'm talking about. I am so upset that I might lose my chance at this house!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on multiple occasions to obtain investigation documentation that verifies the validity of the two charged off accounts that are being reported by XXXX XXXX Bank. I have screen shots that show how the accounts list multiple different dates for " date of last payment '' and now today, as a result of a dispute I conducted with Equifax - one charge off is showing 90 days past due 24 times when it used to list zero. This has dropped my credit score XXXX points. Aside from that fact that this seems like retaliation, if that information was factual it should have been included in the reporting when the account was charged off over 6 years ago. Both of these accounts should be removed from all three credit bureaus or XXXX XXXX needs to send their investigation results/verification of the debt directly to me. This company is a predatory lender and can not just send template responses to what is a simple request- where is the proof that this debt belongs to me and why are there multiple reporting discrepancies across the three bureaus?
Product: Checking or savings account

Wells Fargo keeps taking money out of my accounts. When I checked my savings account balance, it was negative because they declined a legitimate check from XXXX XXXX XXXX which was deposited at a local ATM. Then they charged a fee for this declined check and are making me wait two business days for them to get around to telling me why this happened. 

For the record I have deposited the same checks from the same company four or five times already without issues. 

This is only the latest of several serious problems with WF. For example, when I reported my card lost the cancelled the card and promised my digital wallet would still work, but it didnt, so I could not purchase anything. Some time later they reversed a claim they had previously approved so that my account had very low funds. 

Because of the theft of {$240.00} from my savings account I am forced to use money set aside for rent for daily expenses.
Product: Money transfer, virtual currency, or money service

I purchased on a vehicle on XX/XX/2023 online and I wired {$10000.00} and the vehicle was never delivered it was a scam. My bank tried to talk to the bank that received the money to reverse it but never got a response from the bank.