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

On XX/XX/XXXX I was offered a position of a plant merchandiser that in XXXX XXXX. They were enthusiastic and both the manager and the human resources woman who took my oral drug test swab expressed a desire to get me on board as soon as possible. In the disclosures of First Advantage paperwork it says but they are not allowed to use negative information over XXXX years old and the thing that ultimately kept me from getting a job is almost XXXX years old. The scope of their background check paperwork also says that it stops in XXXX of XXXX but they are reporting something from XX/XX/XXXX. Not only is it against their paperwork and disclosures, it's against Oregon law, federal law and it is causing the extreme Financial harm. This was my dream job and I am distraught and can't get my self together over the situation. It's very traumatic to have to relive all this from a mistake I made when I was XXXX XXXX XXXX. 

They are legally reporting it and I have tried to call them, chat them, email them, and engage them in every way possible from XX/XX/XXXX to XX/XX/XXXX. I have also reached out to XXXX 's corporate HR which apparently is an XXXX  call center that doesn't have any power to do anything about this and tells me to call for the first advantage. I also reached out to the store managers who told me to call the aforementioned HR. It's an endless Circle and I'm unable to dispute it and they have resubmitted the same embarrassing illegal stuff almost 20 times since then. They just keep resubmitting it and resubmitting it to the store why are they doing this? I'm humiliated and heartbroken! 

I will submit screenshots of my attempts of contact as well as their repeated violation of my rights. This has been very very traumatizing for me and I'm unable to cope with it right now or I would have done this sooner.
Product: Mortgage

The lender was provided the loan modification package for review XX/XX/XXXX - from XX/XX/XXXX to XX/XX/XXXX they were requesting docs to have a complete package - I was advised on XX/XX/XXXX the file was complete and would be sent for review. I received a call from the lender 3 times in XXXX and 3 times in XXXX advising the file was complete and under review and nothing was being requested for the review. On XX/XX/XXXX I requested the file be escalated to a manager for the review to be completed since it has not been at that point. We called for an update today on the review and again was advised that it is still with underwriting and a decision has yet to be made. The lender is in violation of RESPA which states a lender has 30 days to review a file once it is deemed complete for an underwriter to review it and make a decision on.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy reporting on my credit report that shouldn't be there, I have reached out to XXXX and Equifax. and asked that they remove this off my credit report and provided them with all the documents confirming my claim. they have consistently said the information came back verified through XXXX XXXX which is inaccurate because i have the documents from XXXX XXXX stating that this information isn't accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX Act # XXXX XXXXDept of ED Act # XXXX has violated my rights. 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. section 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit account under an open end consumer as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference CFPB XXXX, XXXX claimed ( kindly see attachment ) If a payment is not received by the time the next payment comes due, ( e.g., XX/XX/2017 to XX/XX/2017 ) the payment is considered to be over 30-days past due. The same is true for months with 31-days. 
The Date of First Delinquency ( DOFD ) for XXXX XXXX reporting purposes is not calculated in the same manner that days delinquent is noted in your core system. The DOFD does not start until 30 days after the first due date. For example, if you are reporting data as of XX/XX/2017 and a payment has not yet been received for a loan has a due date of XX/XX/2017, the loan should be reported as being zero days past due. 
XXXX sent a spreadsheet not ( XXXX XXXX and XXXX data ) showing payments made XX/XX/2017 installment was paid on XX/XX/2017, and XX/XX/2017. 
There is no evidence to back this up. For an establish bank, a receipt of payment is the expectation. Anyone can create a spreadsheet to show delinquency. Where is the evidence of this late payment? Where is the XXXX  XXXX reporting on this account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit reports/files from XXXX, XXXX, and TransUnion. All 3 of the credit reporting agencies are reporting 2 collection accounts from XXXX XXXX XXXX XXXX : XXXX. $ XXXX acct # XXXX acct # XXXXTranUnion XXXX XXXX. $ XXXX acct # XXXX acct # XXXXTransUnion XXXX This information is inaccurate and is causing a negative impact against my reputation. I do not and have never had a contract with XXXX XXXX XXXX XXXX XXXX is reporting this alleged debt as past due even though I have never been contacted regarding this matter. Furthermore, I did not give my consent to XXXX XXXX XXXX to have or purchase any information about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX, a large national bank contacted a primary account holding on a checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXXXXXX XXXX ). The account was a joint account with the senior-aged account holder and XXXX adult children. The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners. 

The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect
Product: Student loan

I am not positive about the exact date when this situation started but I was alerted to it on XX/XX/XXXX. I logged into my Navient account to discover that one of my signature loans had been put into deferment until XX/XX/XXXX. This action was done without my consent. I was given no notifications about this action by mail, email, phone or otherwise. I have sent Navient an email about this situation and I tried calling their customer service line today on XX/XX/XXXX but they are closed for the holidays. Their automatic phone directory did not say when they would open up again to phone calls. I couldn't find any explanation, on Navient 's website, as to why this action took place. My account claims that this action was taken because I have returned to school. This should not affect my loan status. My loans should never be tampered with, without my consent.
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifaxhas NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you review the documents? Several accounts listed have incorrect reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

I got into a car accident in XXXX of 2023 and had filed an insurance claim. I had notified Exeter of the accident and the claim, however they reported that I was late for 3 months then they charged off the account. This is false. I sent them a notice to fix this issue but they did not fix the error they made on my report. I am filing this complaint as I want this issue to be resolved immediately as dictated by section 623 of the FCRA. Please see attached.
Product: Checking or savings account

Dear Sirs : I would like to bring before you a situation with my local bank Chase JP Morgan, Contact inf : Chase by mail XXXX XXXX XXXX, XXXX Kentucky XXXX. On XX/XX/XXXX I received some type of a pop up while I was surfing the internet. It suggested that I qualified for a free watch. The only thing that I would be responsible was for the shipping and handling which was said to be XXXX. I placed my order, there was no indication on the website that I would be bound to any contracts, agreements or memberships. To my surprise on XX/XX/XXXX, there was a debit done on my account without my permission for the amount of XXXX and a service fee from my bank for XXXX was also applied. I immediately contacted my bank and informed them I had not consented to that transaction. The following day I called the bank to open an investigation. They agreed to apply a provisional credit to my account while the matter was investigated. What the person that attended to my call stated was that this was a scam and that they see it happen a lot. I asked them to protect my rights as a client, but they said they see it happen a lot and the customer has to agree with the company to pay something or else they have to pay the entire balance. I contacted the vendor and informed them of what was happening. They refused to help me and as the Chase representative suggested they wanted me to agree to accept a membership. I refused and I ordered them to cancel any subscriptions because I had not consented to such transactions. Please view supporting documents and you will find that on XX/XX/XXXX my bank removed the provisional credit and charged my account as well as a XXXX overdraft fee. I had already informed my bank that the initial transaction was fraudulent in its nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the effort to delete some of the items from my file that were allegedly obtained through identity theft, but I still need to delete a few more. Any goods identified on an ID THEFT REPORT must be removed in accordance with FCRA section 605 of the law. This report was originally included in a prior letter, so I'm including it again. My lawyer has been told of my plans, and they are eager to make you responsible for your deliberate noncompliance. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX AV XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; ( Original Creditor : XXXX  ) XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX are both trying to collect on a debt I do not owe on Equifax. Not only is this debt not mine, They are in clear violation of the FCRA for DOUBLE REPORTING.
Product: Debt collection

I would like to file a formal complaint against XXXX XXXX. I have sent several formal requests, dated XX/XX/2017 ; XX/XX/2017 ; XX/XX/2017 ; XX/XX/2017 and XX/XX/2017. I have certified mail receipts for the requests to validate accuracy of debt being reported to the credit bureaus. The amount they claim I owe has changed. A request for accurate reporting was requested after each change. Their reporting is inaccurate and incomplete. I've tried disputing with the credit bureaus, and they too say debt, has been verified and updated. When requesting Bureaus to provide how they verify, they fail to comply, which leads me to believe they have false, inaccurate and or incomplete information reporting against my social security number. Which is a serious violation of defamation. That is not legitimate verification reporting accurately. My requests have been clear and specific, but yet, I continue to get the same responses repeatedly that are not addressing my requests to validate this debt and the accuracy of the information being reported.
Product: Credit reporting or other personal consumer reports

Recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report please remove these accounts from my credit report
Product: Credit card or prepaid card

I was shopping in the XXXX XXXX, SC Home Depot Store, ready to checkout. I was asked to apply for the Home Depot Credit Card and would receive a {$25.00} credit. After a long wait the Clerk told me my application had been denied and I would receive a letter of explanation shortly. 
I received Home Depots letter dated XX/XX/2018 ( Exhibit A ). They gave the reason for denial Account in default with lender or affiliate of lender. I wasnt in default with anyone, so this vague information did not provide much information. 
On XX/XX/2018, I sent a letter to Home Depot Credit Services ( Exhibit B ). Under The Equal Credit Opportunity Act, I am entitled to know why my application was rejected ; I am entitled to be given a specific reason for their denial. 
I have reviewed my XXXX  Credit Report. I have a 100 % on-time payment history ; there was no evidence at all of any default with anyone. In addition, since there was to hit for a creditor inquiry, I suspect my credit was not even reviewed. 
I have never received a response from them ; the incorrect information and the vagness of the reason for denial seemed to close to discrimination. Given that 2 months has since passed, it gives me sufficient evidence to confirm my suspicion of discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian won't remove a fraudulent credit inquiry. I have sent several letters. 

I have now filed a police report to pursue legal action. 

XX/XX/22 XXXX XXXX, XXXX.
Product: Debt collection

Violated HIPAA my PHI was given to a third party collection company that I did not authorize to have. I was sent a notice with my ssn, phone number. There are some services listed on the document with a location and the dates of services on it. This is a direct violation and is reporting on my credit from this third party and I will be filing a suit for this and it needs to be removed from all credit bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$180.00} XXXX XXXX   XXXX {$450.00} XXXX  XXXX XXXX {$120.00} XXXX XXXX  XXXX XXXX {$390.00} XXXX XXXX {$660.00} XXXX   XXXX {$950.00} XXXX XXXX XXXX  XXXX {$440.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$60000.00} XXXX XXXX XXXX {$1100.00}
Product: Checking or savings account

I opened a Citibank Checking Account Package on XX/XX/2018, I fulfilled all requirements to receive the {$300.00} bonus, and Citi now refuses to credit my account with the bonus even though multiple customer service representatives have confirmed I had fulfilled all requirements.

The requirements were : debit purchases of {$370.00} qualifying bill payment ( 1 or more for 2 consecutive calendar months ) The photo is attached of the promotion sent to my mailing address.

Please reference the following Citi website online " chat '' with Citi representative XXXX   from XX/XX/2018 that confirms I met all requirements for the bonus : XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. We appreciate the opportunity to serve you.

How may I help you?

You at XXXX, XX/XX/XXXX : Hi, {$300.00} citibank checking account bonus. Could you check to make sure I've met the requirements?

XXXX at XXXX, XX/XX/XXXX : Will do! Please allow me a few minutes as I check your account.

XXXX at XXXX, XX/XX/XXXX : I apologize for the delay ; I'm still checking that for you. Do you mind waiting for another moment?

You at XXXX, XX/XX/XXXX : ok XXXX   at XXXX, XX/XX/XXXX : Thank you for your patience!

XXXX at XXXX, XX/XX/XXXX : When ever you are no longer eligible or miss a requirement, your account gets a flag that can no longer be removed.

XXXX at XXXX, XX/XX/XXXX : In your case, there isn't any XXXX at XXXX, XX/XX/XXXX : so you're meeting all requirements up to date.

XXXX at XXXX, XX/XX/XXXX : Keep in mind when the requirements of the promotion are complete XXXX at XXXX, XX/XX/XXXX : it will take 90 days to process reward.

You at XXXX, XX/XX/XXXX : Does it show in your system that I've spent {$370.00} of qualifying debit purchases?

You at XXXX, XX/XX/XXXX : Does it show in your system that I've had a 1 or more qualifying bill payments for 2 consecutive calendar months?

XXXX at XXXX, XX/XX/XXXX : I'm checking for you.

You at XXXX, XX/XX/XXXX : Thank you XXXX at XXXX, XX/XX/XXXX : I apologize for the delay ; I'm still checking that for you.

You at XXXX, XX/XX/XXXX : ok XXXX at XXXX, XX/XX/XXXX : Thank you for your patience XXXX at XXXX, XX/XX/XXXX : 375.00+ debit purchases was met XXXX at XXXX, XX/XX/XXXX : I also see 2 bill payments : one on XX/XX/18 and one on XX/XX/2018 XXXX at XXXX, XX/XX/XXXX : So as mentioned, it's all meeting the requirements.

Over {$10000.00} was tied up in the checking account until XX/XX/2018 until XXXX XXXX, an in-branch Citi manager who agrees I should receive the {$300.00} bonus, told me I could remove the {$10000.00} as he filed investigations. The following 2 Citi " investigations '' said I didn't fulfill the debit purchases. This is wrong, and my account should be credited with {$300.00} asap. Please remedy and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on account numbers # XXXX, XXXX and XXXX have responded in sync with Experian stating that they investigated my last CFPB complaint and found all reporting to be accurate. The findings were false and clearly not even accurately looked into. It seems to be that both companies simply just stated all was correct to advoid actually looking into and addressing the incorrect reporting. 

A simple example of this is attached here to with the photo of my Credit report showing the automotive credit tradeline. As you can see the status and balance were updated XXXX of XXXX, however when looking at the month of XXXX its stating that the payment was 60 days late.. how can some thing updated in XXXX say that the month of XXXX is 60 days late? In fact it was not late in fact none of the payments have been late. Furthermore we are in XXXX and they havent reported for XXXX, XXXX, XXXX or XXXX despite payments now being made for all months though XXXX, cause we are actually paid ahead and in no way late ever on these accounts. 

XXXX XXXX and Experian have been Falsely and fraudulently reporting incorrectly and causing me harm to my credit profile and borrowing ability cause of their total neglect for accuracy