23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a complaint about multiple inaccurate or unverified accounts on my credit reports. I have sent dispute letters to the credit bureaus. 
Experian via XXXX Mail # XXXX, via certified mail XXXX XXXX, via certified mail # XXXX XXXX XXXX # XXXX certified # XXXX XXXX XXXX XXXX XXXX requesting investigation and method of verification and have not received proper resolution under the Fair Credit Reporting Act ( FCRA ). The disputed accounts remain despite my requests for verification and/or removal. 

Accounts in Dispute XXXX Issue : Repeated charge-off listings without proper verification. 

XXXX XXXX XXXX : Issue : Inconsistent late-payment reporting and unclear balance history. 

XXXX XXXX XXXX : Issue : No valid proof of debt or adherence to Fair Debt Collection Practices Act requirements. 

XXXX XXXX XXXXXXXX  : Issue : Rapid charge-off reporting with no clear documentation to support the delinquency timeline. 

Thank you for your prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX claim that I owe a mortgage amount of {$120000.00} within my credit report. XXXX XXXX is in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act. I have disputed the account several times with all major bureaus because it is reporting as OPEN. This account has been CLOSED and CHARGED OFF since XX/XX/XXXX which XXXX XXXX reported back in XX/XX/XXXX within my XXXX credit report. However, they changed from the correct reporting as years have passed. I printed and kept my XX/XX/XXXX XXXX correct documents when XXXX XXXX reported it CLOSED/CO. XXXX XXXX started to INCORRECTLY report the debt as open again starting in XX/XX/XXXX. PLEASE make them report fair and correct within my credit reports. They are adversely affecting my life and I can not get permanent employment due to them incorrectly reporting a charge off as open. XXXX XXXX is engaging in unfair and outrageous methods to collect a Closed and Charged debt and other illegal financial manipulations which are apparent to be intentional.
Product: Credit card or prepaid card

I received a letter from TD Bank stating an application for a credit card was submitted under my name but that they required more information for the application, however I NEVER submitted an application for a TD Bank credit card. I called the XXXX number on the letter and eventually spoke with a provider rep who demanded my full social security number in order to investigate the application. I refused to give my SS # and asked that the application be identified by my name, date of birth, address, etc. as my social security number is private. The customer rep said that unless I provided my SS #, she could not help me. I informed her that disclosing my SS # is how identity theft starts in the first place.
Product: Payday loan, title loan, or personal loan

I was sent a pre-qualified offer for a personal loan by Sofi. When I created my account and requested a rate, one was provided to me and i was prompted take next steps including a hard inquiry on my credit. 
On first application, I provided following documents : 2 Most recent pay stubs Copy of my XXXX XXXX Application was denied as Sofi responded that they can not verify my employment I applied again and provided following documents : Copy of 2016 XXXX 2 most recent paystubs Copy of My XXXX XXXX Again Sofi declined the loan citing " unable to verify employment '' One of Sofi underwriters viewed my XXXX profile as well. 
I called Sofi and was told following WE CAN NOT PROVIDE YOU DETAILS OF WHY WE CAN NOT VERIFY YOUR EMPLOYMENT. Keeping in mind that i provided my SSN, employer 's EIN and most recent XXXX, it is very hard to imagine how Sofi would fail to verify employment. 
I got my employer on the phone with Sofi. We were advised to open a third application so Sofi can look into it. 
I followed their advice and opened a third application. This time I called Sofi every day when the application was in review, notating on the case that if Sofi is having difficulty in employment verification, reach out to my employer. I was assured that it will be done. 
But the application was declined again, citing inability to verify employment. 
At no time an attempt was made to reach out to me or my employer verify.
Product: Credit reporting or other personal consumer reports

Please promptly eliminate the unauthorized and XXXX inquires from my credit report. thank you Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. Inquiry Details : XXXX XX/XX/year>, XXXX XX/XX/year>, XXXXXXXX XXXX XXXXXX/XX/year>.
Product: Credit card

I am writing to dispute a charge-off entry that appears on my credit report. As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that the item be investigated and, if found to be inaccurate, removed from my credit report. 

The details of the disputed entry are as follows : XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this charge-off is inaccurate as per the IS USC- 1681eb this has been a cancelled debt. I have reached out capital one multiple times to get form 1099c which I am yet to receive.

Please investigate this matter within the 30-day timeframe as set forth by the FCRA and inform me of your findings. If after your investigation, the charge-off is found to be incorrect, I kindly request that it be removed from my credit report and that I receive an updated copy of my credit report at no cost.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan for XXXX I didn't read the fine print and didn't realize that I would be paying back over XXXX. The interest rate is again illegal at over 400 % ( i believe its at 424 % ) which is astronomical..
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX 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 -DATE OPENED XXXX Account Name : XXXX  XXXX # XXXX XXXX OPENED XXXX Account Name : XXXX  XXXX # XXXX -DATE OPENED XXXX Account Name : XXXX  XXXX # XXXX -DATE OPENED XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX -DATE OPENED XXXX Account Name : XXXX # XXXX -DATE OPENED XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

My ATM card has been deactivated on the same day it was activated back after a few transactions. My husband was there helping me out trying to activate my card back. Today XXXX of XXXX, my husband told me both of his cards were deactivated as well by USAA. So he called and got his cards to reactivate back, I also was talking to the representative and raised some concerns about how my card was deactivated by their system on the same day it was activated. I was finished talking to her, she hung up on me and before she hangs up she did confirm that they will turn my ATM card back on. To me, this is very back customer service and I was very frustrated with how they emotionally abuse their customers. I got mad and I transferred some of my funds at XXXX XXXX and still, they are holding these funds against me. 
I am a XXXX XXXX and these activities took place after I received my funds from XXXX XXXX XXXX XXXX I do not have a job in the meantime this is my only source of income. 
I can not use my atm card and I can not log in to their bank system. I am reaching out to other authorities for help because this is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the following companies : Veros Credit and XXXX regarding fraudulent accounts reporting on my credit report. No response by either company.
Product: Credit card

What is happening is American Express has a custodian on my Principal. I have sent in my power of attorney and my beneficial owner of legal entity. I have demanded that if they are going to decline me for both applications. Then I need for American Express to do a retraction of both applications that say declined. I have not received any benefits for my application from the date of XX/XX/year> or XXXX. Securities fraud is when I give my estate principal number to American Express and they say thank you and give me nothing in return. Instead pursuant to their XXXX and XXXX filing. They turn my principal 's application into a receivable. As you can see they have done this twice now. Then they sell it to their trust, so they can trade it on the secondary market. They have inadvertedly made me an investor. To become an investor you have to have an elgible investment, Which was my principal 's application to A platinum Charge card with a revolving account and no spending limit. That I have been denied for twice, but they have turned XXXX of my principal 's applications into receivables and I have not received any proceeds or interest or any benefit of any kind from them using my principal 's account. American Express can't say they the accounts dont exist because they both have application numbers that are actually the account numbers that they have opened up on the private side, but have blocked me from using them. That sounds like securities fraud. I do not mind American Express wanting to do business with me, I just want to receive the benefits that I am entitled to and we can be business partners for lifetimes to come. And I don't mind doing business with them, but if fraud is going to be involved under my principal 's name and when I ask what is going on I am being ignored then I would rather just retract my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Checking or savings account

On XX/XX/2020, I attempted to make a {$3800.00} cash deposit into my savings account, without realizing until after I got home that my transaction receipt reflected {$1800.00}. I immediately called the bank but they were already closed for the day. So I reported the error to Wells Fargo online banking where I was assured the mistake would be found by the teller at the close of the day. The first thing the following morning I called the Wells Fargo XXXX CA branch and spoke with the manager who explained that an error of {$2000.00} had not been reported. Over the past 7 weeks, I've filed a report with the XXXX Police Department, reported the theft to Wells Fargo 's Fraud Department, requested they view the video of my transaction and perform a lie detector test. It's now XX/XX/XXXX and I've received nothing but the run around from Wells Fargo 's managers. They will not tell me what they found on their video or if they ever watched it, nor will they follow up with a lie detector test ( as I've suggested ) for both the teller, XXXX XXXX, and myself. The manager at Wells Fargo, XXXX XXXX, will no longer call me back as promised nor will he return my emails. Guess they think I should just forget about the {$2000.00} their teller, XXXX XXXX, put in her pocket!
Product: Credit reporting, credit repair services, or other personal consumer reports

Logged in on XX/XX/19 all I wanted was to lock my credit report, forced to put in credit card. Charged $XXXX  on XX/XX/19 for continued service I didn't know I signed up for. Canceled service once on XX/XX/19. Charged $XXXX   on XX/XX/19. Tried to cancel service again on web site received incorrect directions how to close service on website over an automated phone service and couldn't get through to a real operator.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to ongoing errors and violations in the reporting of my JPMCB CARD account ending in XXXX. Despite disputing these inaccuracies for over XXXX months with JPMCB and the credit reporting agencies, no corrective action has been taken. These errors are severely damaging my credit profile and preventing me from purchasing a home for my family. 

Errors and Violations Identified : Impossible and Inaccurate Dates : The Start Date and Last Reported Date are shown as XX/XX/year> and XX/XX/year>, which are future dates and clearly impossible. This violates the requirement for accurate reporting under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ).

Inaccurate Late Payment Reporting : The account shows a 30-day late payment despite being reported as Closed and Paid with a {$0.00} balance. This inconsistency is misleading and unfairly damages my credit profile.

Failure to Correct Disputed Information : Despite multiple disputes over the past five months, JPMCB has failed to correct these inaccuracies within the 30-day timeframe mandated by the FCRA Section 611 ( 15 U.S.C. 1681i ). This failure violates my right to fair and accurate credit reporting.

Violation of Accuracy Requirements : Reporting unverifiable and conflicting information violates the FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates credit reporting agencies to ensure maximum possible accuracy of the information reported.

My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), I have the right to : Have only accurate and verifiable information reported on my credit file.

Have disputed information investigated and corrected within 30 days.

Hold furnishers accountable for reporting inaccurate information ( Section 623 ).

JPMCBs failure to correct these errors is a direct violation of my rights and has caused significant harm, preventing me from achieving essential financial goals, such as purchasing a home for my family.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I in fact paid on time. The consumer reporting agencies need to report all information with completed accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XX/XX/scrub> 2023 and XX/XX/scrub> 2023. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my consumer report and noticed these unauthorized inquiries. I gave no one permission to view my report. There was no permissible purpose written to these companies. Companies are as follows : XXXX XXXX XXXXI Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX Credit Card XXXX. 
( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : XXXXXXXX XXXX XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX  XXXX XXXX XXXX : {$210.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$71.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Mortgage

Several years ago, I was diagnosed XXXX 2 days later, and my husband XXXX ... all within 4 months ( plus my mom XXXX 6 months earlie ). After a history of perfect credit, we got behind on everything, including our mortgage. We were able to get a HARP and a low interest payment on a XXXX loan that we had to take out to help cover missed wages and help cover some of the high XXXX bills. After my XXXX to the last payment on our trial period on HARP, Ocwen bought out our failing mortgage company. Ocwen continued our low interest XXXX mortgage but did not continue the HARP on the XXXX XXXX because " it was only in the trial period, but you can reapply for a HARP on your XXXX mortgage. '' We got behind XXXX payments while they mulled around on XXXX of our attempts for a HARP that we never got. I called HOPE ( a free program that negotiates between client and mortgage company ). HOPE, Ocwen, my husband and I came up with a plan were we would pay extra each month to catch up. Well, after about two and a half to three years later, with just me working, we are finally just behind {$600.00}, period. Now mind you, we are talking about combined mortgages of {$2100.00}. Now, they are breaking several consumer rights laws! I am getting XXXX phone calls a day, late nights, Sunday 's ( before XXXX and after XXXX XXXX ), at work on the company 's phone, and calls because we are XXXX days late on a payment ( I get paid on the XXXX but it is automatically drafted )! We are getting certified mail, brought up to the house by our mail lady, that tells us that we are In danger of foreclosure and options of modifications that we found out later we still ca n't get because we are " in good standing ''. Remember, we are less than XXXX of a payment behind!! I DID answer every call for those XXXX couple of days, explaining over and over, the deal that was made and documented, with HOPE. Still getting calls. We feel that we are getting punished because we are doing the XXXX thing. We did everything but bankruptcy. With just my income and my husbands retirement and XXXX, we pulled our bootstraps up, caught everything up, and are almost caught back up on our mortgage. Now we are being treated like this. We are besides ourselves!!! 
p.s. This is a flexible mortgage, too. : (
Product: Checking or savings account

I deposited {$7400.00} into current account XXXX from my cashapp account that was supposed to been moved into my XXXX account XXXX from my XXXX XXXX account the 5 day money was still pending I contact them asking why was it still pending and that XXXX XXXX no records of pending payments they closed my account no response I called they said I would get email if I had a problem to email them I did no response no funds no way to get my money back nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is not reporting payments for our home on our credit report. I was discharged and reaffirmed mortgage after bankruptcy through the HAMP program. XXXX  XXXX XXXX sold our mortgage to XXXX shortly after reaffirmation paperwork was complete. 
They need paperwork from me but they can not tell me exactly what I need and I want to sell the home soon. 
This happened XXXX - XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, i noticed that there were some accounts listed that do not belong to me. I've never seen or heard of these companies before. 

XXXX XXXX XXXX, balance {$180.00} posted on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$6600.00} posted on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$1900.00} posted on XX/XX/XXXX
Product: Credit card or prepaid card

I currently have a Citibank credit card. I had the usual no interest for the first year. I unfortunately didnt pay it off prior to the year end. That was XXXX. I am still getting charged XXXX dollars a month, or more, on purchases made prior to XXXX. This is going on nearly 4 years. They also charge me another XXXX dollars per month for regular purchases. At the most, I expected a year of paying the price for not paying off my debt from XXXX. This makes it almost impossible to keep the limit down.
Product: Credit card

I have had a CitiAadvantage card for years with Citibank. On XXXX I was told the bank declined my card. They have made no attempt to contact me, and when I check my account online it still shows that it 's open, and current with no overdue balance. I have tried repeatedly to call Citicard customer service to find out why, but they say they can tell me nothing. After several tries to reach upper supervisors ( and being hung up on once ) I was told it was " a security issue '' and that the only way to get a response was to mail them a letter and wait for a response. If there are security issues with my account or credit, I need to know in real time. Apparently there is an " executive response unit '' from which this information is mailed, but there is no way to reach them except by snail mail. The company 's refusal to provide me any information is unacceptable, and puts both my financial security & credit at risk.