23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/XXXX, XXXX Purchased a falafel from XXXX XXXX XXXX XXXX & XXXX XXXX At time of purchase, merchant failed to provide a reciept or show the POS for authorization. Original price for XXXX  stated on truck was {$6.00}. 
XXXX XXXX I check my bank statements and see a charge from the foodtruck for {$100.00}. I immediately call chase to dispute, as foodtruck does not have phone number posted anywhere. Chase applies a credit of XXXX to my account. 
XXXX XXXX, XXXX Chase does a chargeback on my account for the same amount. I call 3 times & recieve various responses but none stating WHY, except that " merchant provided a reciept ''. Chase claims they are no longer able to help me & i would have to contact the merchant. ( a foodtruck? with no number or address ) Thankfully i recieve a letter including the documents the merchant provided as " proof ''. Within the documents, I noticed the date/time at the time of sale the merchant provided was WRONG, time of purchase was XXXX am XXXX & the reciept they provided clearly states XXXX am. I bring this up to chase, and the agent over the phone AGREED that was a overlook, but i had to fax the documents where that was evident. 
XXXX, XXXX chase sends a statement saying nothing changed & the claim is closed, DESPITE validating the reciept was fraudulent. Their reason was " the merchant said services were provided '' The merchant was able to OVERCHARGE me, PROVIDE AN ALTERED SALES RECIEPT, PROVIDE NO AUTHORIZATION OR SIGNATURE FOR THE EXACT AMOUNT BUT THEIR CLAIM IS MORE VALID THAN MINE? Gross negligence, terrible customer experience not only from merchant, but the bank i've been with for nearly 10 years.
Product: Credit reporting or other personal consumer reports

After sending multiple letters regarding these inaccuracies on my report, these credit reporting agencies never responded or provide any resolutions. They are reporting late payment but I was never late paying for any of my account. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to provide the requested information and validation, I insist on the immediate correction or removal of these unverifiable information on my report. These accounts XXXX XXXX XXXXXXXX with the account number XXXX and XXXX XXXX  account number XXXX are reporting inaccurately on XXXX and TransUnion These accounts was paid always on time and was never late. I am always paying on time. This should be remove on my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 refuses to delete an inaccurate account from my credit report. They have fraudulently verified the account as accurate with LexisNexis. I immediately called LexisNexis and shared this information, and LexisNexis said that was not possible for them to verify this bankruptcy with them because there are no bankruptcies reporting on my file. The date of this incident was XX/XX/2021, first dispute in question. I called XXXX and immediately opened another dispute into this bankruptcy. Ultimately, XXXX emailed me again yesterday XXXX XX/XX/2021 ) saying that this account has been verified by LexisNexis. I am pretty sure that LexisNexis isn't the culprit here, since all the other credit reporting agencies have properly updated my reports. I just wanted it to be on record that XXXX is still fraudulently saying that they have verified this account with LexisNexis. I will seek legal counsel in this matter since the CFPB has no enforcement arm to make sure that XXXX abides by the FCRA and the laws. It has been nearly 60 days since I disputed this bankruptcy in XXXX and XXXX has been viciously fighting to keep this inaccurate account on my credit report. More importantly, XXXX  is not conducting a proper investigation into the matter. If they did, this matter would have been resolved with my XXXX dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I have no knowledge of this suspicious activity on my credit report. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of dark web identity theft. My information may have been impacted by the data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

hello i had a citi bank personal account for XXXX years no problem working with them. i have a small business due to covid i applied for SBA loan with all my documents social and taxes i was aproved for the loan. they deposit my funds into my citi bank account in XX/XX/2021 XXXX dollars next day the bank froze my account ask me for proof of my business and for the loan which i totally understood next day i went to the bank with all my documents and fax all the documents to the fraud department from the bank. literally 2 hours later after citi bank fraud department received my business documentation and approved everything told me i was totally gave me access again to my funds with no problem. after that one month later sba approved my business for more money another loan of XXXX dollars same documents same bank same business after a weekk of receiving the money the second time citi bank called and ask me for the documents again which i thought will be like the first time. i went next day to the branch and summitted all the documents again but this time they didnt re open my account or gave me an explanation why for the next 4 months after the second loan my acccount and all my money funds were frozen i had no way to pay rent my car or my business citi bank never gave me a reason on why this time they closed my account for so many months their customer service its the worst CLOSING THE PHONE on me like i was some type of criminals and not giving reasons on what happened. 4 and a half months later i callled one more time which this time i was told my account was totally closed finally they answered me something i ask them to send the funds back to the sba. the loan money after 2 months of my account being closed has not being sent back to the sba loan office they refuse to answer on when this will happen or to tell me the reason why my accont was closed when the first loan they had no problem reopening my account. 



my account number on citi bank was XXXX routing number XXXX name on the account XXXX XXXX phone number XXXX sba loan number application # XXXX i have all my taxes and documents for my business. thanks for the help. 
email XXXX XXXX
Product: Mortgage

This has been ongoing since XXXX of 2022. We filed one complaint, thought it was being fixed, only to find out LoanCare has been doing everything they said they wouldn't. It needs to be reopened. We have the letters to prove it. We are assuming this is all retaliation because we filed a complaint with you and asked for LoanCare to be investigated. There is no other reason for it. Now LoanCare has charged us another late fee, sent XXXX another payment without knowledge or permission when the letter we received from LoanCare said this would not happen again which has again wiped out our Escrow account again, has our account as delinquent, and has this so messed up it is beyond understanding. I guess it is time to go to the media and also get an attorney. 
XXXX shows our account is already paid in full. LoanCare does as well but refuses to acknowledge it. XXXX sent the payment back to LoanCare as it indicated on the refund payment to LoanCare it was supposed to go to our Escrow account. They are just issuing payments illegally out of our account. When we call, we can not get anyone to talk to us. When we email, it gets kicked back saying the email doesn't work or our information shows that it wasn't processed. None of their links or emails work. Again, we have never been late and all of these apologies from LoanCare are just to make the case look good for the VA and the CFB. Yet they are showing we have only made one payment all year which is not true. We have always paid early. We have our bank statements to prove it. LoanCare needs to be investigated for all these illegal practices.
Product: Mortgage

The XXXX XXXX XXXX XXXX XXXX fl XXXX has been in foreclosure off and on for 4 years The mortgages total over XXXX and the unit has been molded out due to banks failure to maintain it. There is XXXX in condo fees unpaid. The bank is paying the taxes. This is a miney loser for the banks so they are not going to finish the forclisure. They do not respond to inquiries. This is harmful to the neighbors - mold and the associations financial stability. 
We want the bank to cancel / void the mortgages and deed the property back to the association. They XXXX and the association wins. The owner left town. Can you help? 
XXXX XXXX. Board member of XXXX XXXX. 
The following banks are involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 I received an email from regions bank that says {$400.00} Welcome Bonus I completed all the requirements & made the 10 transactions by XX/XX/2020 I waited after the 90 days to check on the bonus. I called 2 weeks ago after being transferred twice & spending hour on the phone Regions Bank reneged on the {$400.00} bonus. I went through a lot of hassle & stress to complete the deposit & 10 transactions by XX/XX/2020. 

I received a email that was misleading with a big Bright lime green banner that says welcome bonus. The email title said {$400.00} welcome bonus. 

Regions had a hidden fine print that was loaded with fees. Regions reneged on my bonus & gave me a - {$10.00} account that was sent on postcard..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the reporting credit agency that lendmark is reporting a repeating charge off for more than 180 days. 

They simply updated the charge off of in XXXX. How we this continues inaccurate reporting was cause for a deletion due to the damage caused by the improper reporting. 

Which has continue to update for since past the 180 day charge off statute The balance was still showing it shouldnt have due to it being charged off. 

Equifax showed my last payment as XXXX XXXX 2018 XXXX and XXXX showed last payment as XX/XX/2018 A high credit amount was shown on equifax as {$4500.00} While XXXX and XXXX showed high credit as {$4700.00} Date last active on all 3 XXXX, XXXX, equifax are all showing 3 different dates.

Due to the inaccurate reporting I asked for this account to be deleted. 

It has impacted my credit due to the length of inaccurate report provided to the agencies. 


Has violated my rights with fair credit reporting act. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


The fact that this charge off was simply updated and not deleted is a clear violation with the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and found inaccurate, invalid accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXXXXXX XXXX XXXX Account XXXX : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Charge account Charge account XXXX Code : Individual Individual Account Status : Paid Paid Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$350.00} {$350.00} XXXX XXXX : {$150.00} {$150.00} Past Due : {$0.00} {$0.00} Payment Status : Current Late 180 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Canceled by XXXX XXXX Account has been closed due to inactivity. 
XXXX XXXX ITEM IN DISPUTE BY CONSUMER Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX OK OK OK OK OK OK OK OK OK XXXX CB/VICSCRT XXXX XXXX XXXX Account XXXX : XXXX Account Type : Revolving Account Type - Detail : - XXXX Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$150.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account closed at consumer 's request Closed or paid account/zero balance Date Last Active : - Date of Last Payment : RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting
agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I was letting them fix my credit back in 2019 I was making payments I see they have lawsuit so Im trying to get my money back
Product: Debt collection

This property was not in livable condition and violated my tenant 's rights, so I was instructed to withhold the rent. 

I shared photos and videos of the property with the property management company XXXXXXXX XXXX. They refused to make the repairs for over a year. We went to court and agreed to mediation, during mediation I was instructed to agree to the amount owed and that they would make all the repairs to the property ; fix all the water leaks, and remove the XXXX \ ; but, they said not to bring this up to the judge because then they would not get the XXXX assistance. fast forward a year later they did not complete the repairs so I called the city of XXXX XXXX out to inspect the property they condemned the property and we had to vacate the premises immediately ; only taking the items we could fit in our vehicles. Since, they have been hit with a class action lawsuit for this exact situation this collection company has been reporting this account to my credit report, while XXXX XXXX has closed this account and accepted responsibility and not asking for the court order debt to be satisfied. This collection company bought this account and is attempting to collect a debt that the original creditor has deemed it is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of applying for a mortgage. I was notified that I needed any disputed remarks removed from my credit report. I had disputed remarks on XXXX and XXXX accounts. I am NOT disputing those accounts, I simply need the remarks removed to proceed with a mortgage application. 

XXXX  and XXXX  removed them within 24 hours of my phone call. It has been almost four weeks and almost 10 phone calls, multiple " investigations '' ( that I didn't even ask for ) and Equifax still has NOT removed the remarks. Instead they have opened multiple investigations. 

The remarks were never removed. Called back numerous times and told the same thing, instead disputes were opened on my account. I called on XXXX and was told they'd be off by XXXX. Again, nope. Called again on XXXX and said they would cancel the dispute and remove the remarks. This morning, XXXX, I received an email saying the dispute was over and a PDF on the website states the remarks were removed. However the comment still says 'CONSUMER DISPUTES - REINVESTIGATION IN PROCESS '' I first called on XX/XX/XXXX, was told the remarks would be removed within 48 hours. In the dispute center on Equifax 's site, the first was opened and closed on XX/XX/XXXX. I am attaching screenshots for each account, you will note that on the XX/XX/XXXX report it says that 'The Explanation Previously Attached to this Account has been Deleted ' for both XXXX and XXXX . However below under 'Additional Comments ' it STILL says 'Consumer Disputes this Account Information ' ( under XXXX ) and 'Consumer Disputes After Resolution ' ( under XXXX ). On the XXXX report it says : 'The Explanation Previously Attached to this Account has been Deleted ' however below under 'Additional Comments ' it says 'Consumer Disputes - Reinvestigation in Process ' under both XXXX and XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus Experian and XXXX  are reporting inaccurate information on my credit file. They are reporting a late on XXXX/XXXX  for XX/XX/19. I have never been late and it needs to be removed off my credit. I didn't know this late was reporting until I checked my credit.
Product: Debt collection

Credit Management has XXXX inaccurate items on my credit report. XXXX I called last XXXX they have it dated as XXXX per XXXX the date was XXXX. They changed the date only to re age the bill again this XXXX Now they have XXXX internet and the date is XXXX. We were living with my father in law from XXXX-XXXX. This bill would be from XXXX. The Re aged this bill and when I call they hang up on me and will not correct their errors that they do intentionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address currently reported is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX PLEASE CORRECT THE ADDRESS AS FOLLOWS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX
Product: Credit card or prepaid card

I am very frustrated at Bank of America for the way that they have decided to terminate my longstanding credit accounts with excellent payment history. 

I opened up my first Bank of America credit card in College in the early 2000 's, and I manage this account for almost 20 years and built a credit limit of 20K+ with bank of america . Eventually I even opened up another credit card with Bank of America and also enjoyed my relationship with Bank of America. 

This summer, I had an unfortunate incident that compromised my bank account, which caused the automatic drafts scheduled with Bank of America to be returned. I did not become aware of this until the Bank of America account was over 30 days past due, and only when I saw the late pay report on my credit report. I immediately rectified the issue, paid the account off and felt terrible. The fraud that I was experiencing really took a toll on my time and resources that I spent months trying to control the fraud from getting worse. 

Plus, I had recently paid this account off IN FULL, and so I did not believe or have any reason to think I needed to worry about Bank of America since my balance was XXXX. This is what is really irritating, as somehow Bank of America calculated that I owed them {$1.00}, and tried to charge my account for that month. This payment was returned, so bank of america began to assess " return payment '' fees and late fees, this building this balance up to $ 100+ dollars. Then to add insult to injury, they reported me late on my credit report. I am shocked that they think this is OK, as it is an egregious case of abusive and deceptive consumer practices I have ever seen. 

I informed Bank of America on several occasions that I was a victim of Bank Fraud and was experiencing issues. They assured me that my account would be OK since I quickly paid them. Well, sadly, they lied. They closed my long standing 20k+ credit line, and reduced the credit limit on my second credit card, and then later closed that account as well. 

I urge Bank of America, look at the rest of my credit card accounts on my credit report, they all have an excellent payment history. I have never had an incident of this nature and I have never been late in over 25 years of managing my personal credit. This was truly a one off event, and the knee jerk reaction of Bank of America to close my account after such a long term history with them is extremely unfair, unjust, and frankly something that I question if my name did not give away my ethnicity if Bank of America would have treated this differently.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. SANTANDER CONSUMER USA claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported.

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.