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

I asked the credit bureaus to do a verification of everything on my credit report and they said they did, they stated everything was accurate. 

This was a LIE and I have the letters from the Credit Bureaus to prove it. 
I have letters from The Credit Bureaus Stating that they " COULD NOT FIND THE DEBT REPORTS I ASKED TO HAVE REMOVED ''. 

The Credit Bureaus Also Asked Me To VERIFY MYSELF, because they couldn't find the credit file I am disputing on their records ; so how are the Credit Bureaus PROPERLY VERIFYING THE MEDICAL DEBT, if they have inadequate information. Which they are closing on my credit reports, THEN REOPENING the debt on my credit reports. 

I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 

1. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. 

**This account showed closed on XX/XX/XXXX on my TransUnion Credit report, and as of XXXX is back on my credit report showing open. 

This Account has been closed twice on my credit report and put back on my credit report twice, claiming it was verified, which is not true at all ** I will include screenshot of this evidence**. 

2. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX 3. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the fair credit reporting act convergent 1. Account name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. 

**This account showed closed on XX/XX/XXXX on my TransUnion Credit report, and as of XXXX is back on my credit report showing open. ** I will include screenshot of this evidence. 

2. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX 4. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602A. states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

I also have letters from The Credit Bureaus Stating that they " COULD NOT FIND THE DEBT REPORTS I ASKED TO HAVE REMOVED ''. The Credit Bureaus Also Asked Me To VERIFY MYSELF, because they couldn't find my file ; so how are the Credit Bureaus PROPERLY VERIFYING MEDICAL DEBT
Product: Debt collection

I had a loan that was sold to a different mortgage company that had derogatory remarks on my credit report I have a XXXX balance with them. I would like to get this taken of my credit score can you please help me out on what steps i need to take, to have it removed.
Product: Credit reporting or other personal consumer reports

Bank of America XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone # ( XXXX ) XXXX On record until : XX/XX/year> Inquired onXXXX
Product: Money transfer, virtual currency, or money service

I tried several transactions that did not go through.. I sent money and it was never received.
Product: Checking or savings account

On the day, XX/XX/2020 I came in to open a checking account with Chase Bank XXXX XXXX in XXXX NY. The personal banker that helped me was XXXX XXXX. She helped me open my checking account, apply for a Freedom credit card, and deposited {$1500.00} in cash and two checks. I asked XXXX if I was allowed to deposit two checks from my brother who resides in XXXX, but received 2 checks ( First check- XXXX and the Second Check was XXXX ) in a settlement and I wanted to deposit those checks into my bank account ( given he had given me permission ). She agreed and she deposited the checks. Around two weeks after this visit, my account was closed and I received a check of my {$1500.00} of cash I had deposited into my bank account, but did not receive the 2 checks I deposited. I went back to XXXX and she said she was not aware of why they closed my bank account. I received no written notice about the reasons behind why my bank account was closed. She made a few calls and told me that they closed it because they are investigating the checks since my brother was in XXXX. She said they would return the checks. However, she asked me to wait two weeks and get a notary note explaining that my brother gave me permission to deposit the check. I came back and gave her the notary letter that clearly stated that my brother gave me permission. She sent this off to Chase and told me again to wait. I spoke to another member at the bank, XXXX. He called Chase and he said Chase wanted more information and the notary letter was not accepted. Chase wanted to speak to my brother, but he is in XXXX and I asked if I could give them a number, but Chase refused to call an international number or give their number to my brother for him to personally call them. I went back again and XXXX said they needed more information although she agreed to deposit those checks for me in the first place. She claimed it was not her fault. Two weeks ago, she called XXXX XXXX to issue another set of checks and freeze the checks deposited with Chase. However, they declined because Chase Bank had already cashed in the checks. Again, XXXX told me that not to worry because Chase will give me back the two checks and to wait two weeks.Today, XX/XX/XXXX I went back and spoke to XXXX and XXXX. XXXX asked XXXX to call because she was busy. XXXX called and after the call told XXXX what XXXX XXXX ( the ones who issued the check ) had said to him. XXXX came over to me and told me that XXXX XXXX  wants me to sign and notarize the papers that XXXX XXXX  had sent them. However, she did not explain what these papers were and why I had to get my brother to fill out these papers. Later, I read the papers and it is claiming that Chase has claimed to XXXX that the checks have been fraudulently deposited. This is completely untrue as I have the notarized paper from my brother stating he has given me permission to deposit and use the money from the checks. I have his ID included within the documents which has been shared and copied by Chase Bank. They are clearly committing fraud at this branch and it is unacceptable.
Product: Mortgage

XXXX. On or around XXXX of XXXX, a new mortgage payment amount took effect after an escrow analysis. 

XXXX. Payments throughout the history of the mortgage have always been made on or around the XXXX of every month. Not a single month was missed. 

XXXX. On XX/XX/XXXX a payment was made for that month, with a {$97.00} shortfall due to the incorrect amount used from the escrow letter received. The description of the transaction was classified as APPLIED FUNDS, different from the regular description of PAYMENT in the account summery section the bank provides on their website. 

XXXX. On XX/XX/XXXX, another mortgage payment was made with the incorrect amount. No notice was received from the bank the amount submitted the prior month was incorrect. 

XXXX. On XX/XX/XXXX an email was received notifying me the account was past due, and I owed another mortgage payment {$3300.00}, plus a late fee of {$110.00}. 

XXXX. A representative from the bank was contacted and notified me of my {$97.00} shortfall on my mortgage payment. When it was brought to my attention, payment of the {$97.00} dollar shortfall was promptly made on XX/XX/XXXX and accepted by the bank. Leading me to believe the account payment was properly adjusted to reflect the current payment for the month, as it was an accounting error on my part of the shortfall. 

XXXX. The next XXXX months ( XX/XX/XXXX and XX/XX/XXXX ), the new payments were made, reflecting the correct amount. No notices of past due payment activity was received. 

XXXX. On XX/XX/XXXX, an email was received with notification the mortgage payment was due on XX/XX/XXXX. 

XXXX. When the latest statement was downloaded from their website, I owed XXXX mortgage payments with {$330.00} in late fees. 

XXXX. Without my knowledge, the bank applied the shortfall payment made in XXXX to principal, and I have been unjustifiably charged {$110.00} every month, because of an incorrect interpretation of the amount owed. 

XXXX. The above stemmed from a {$97.00} dollar shortfall. It was my understanding when I spoke to the representative, and since such amount was accepted, the account would have been adjusted accordingly back in XXXX. 

XXXX. This month Ive had to pay XXXX mortgage payments with late fees totaling {$7000.00}! All because the bank, without my consent or knowledge, applied a regular payment with the incorrect amount to principal. 

XXXX. Multiple conversations with representatives from the bank refuse to make the adjustment on the account. I have not missed a mortgage payment. It was simply an incorrect amount sent that was promptly corrected as soon as I was made aware. 

The bank is raising substantial additional revenues in fees and mortgage payments from the consumer when making incorrect payments by not adequately or promptly disclosing to the customer the status of the account, or how are incorrect payments applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.
Product: Credit reporting

When I called Equifax to Report that XXXX XXXX has A Consent Order against it Civil Action No. XXXX signed by the FTC-CFBP. When I referred their Supervisor to page XXXX paragraph XXXX FCRA violations Equifax hung up on me. this also referred to XXXX whose accounts were purchased by XXXX XXXX. it is not enough that Equifax Supervisors hung up on me but the crowning achievement of ignorance is not to abide by an FTC-CFPB signed order
Product: Credit reporting

Experian is reporting wrong information on my credit report. I tried to dispute this information but they will not allow me to do so. My report # is XXXX. I viewed my report online as I am trying to obtain a mortgage but not able to do so because of the accounts they are reporting with teacher 's federal credit union. There are XXXX accounts reporting with this bank showing as negative/charged off to a bad debt. There is one for {$6600.00} another one for {$860.00} another one for {$7500.00}. and another one for {$860.00}. I only had XXXX loan with teachers and that was for {$6600.00}. I did not have all these loans. Last month my credit report showed {$6600.00}. and {$860.00}. now there are XXXX more added. This is ridicilious as they will not let me re-dispute this wrong information and they have no right to add XXXX more negative balances to my report. I wish to file this complaint about experian credit reporting company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Navy FCU Inquires showed up on my credit Report that I didnt not authorize
Product: Debt collection

Navy Federal Credit Union wrote me a letter dated XX/XX/21 stating if I would pay them {$1600.00} they would settle my credit card debt with them ( attachments included with this complaint ). Navy Federal stated upon completion of the settlement they would send me a letter confirming the settlement of the account and no further collection activities will occur. Navy Federal also stated they would update the credit bureaus with the new information. 

I paid Navy Federal the amount they requested and they continued collecting on the account which you will see in the attachments. I've received 2 collection notices so far and my credit bureaus have not been updated showing settled. Navy Federal actually added lates to all the credit bureaus, including XXXX and XXXX XXXX. My credit has been harmed because of this and I have been denied credit because of XXXX XXXX 's deceitful tactics. 


Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and seek appropriate redress for these violations.
Product: Debt or credit management

I have interacted with XXXX XXXX  several times and to no avail did not receive successful outcomes. I know it was between XXXX - XXXX. I have paid into such services through lump sum and payments taken out monthly.
Product: Money transfer, virtual currency, or money service

Unable to transfer my money from the service to bank account. Attempts to transfer were made on XX/XX/19. Called to customer service were unable to tell me why transfers to my bank account were being denied.
Product: Student loan

I was never given and opt out disclosure form to opt out of non affiliated third parties. According to my understanding of the Gramm-Leach-Bliley Act, I am entitled to receive an opt-out disclosure form, which would provide me the choice to restrict the sharing of my personal financial information. Mohela Student Loan Services did not furnish me with this mandatory disclosure, and as such, I did not have the opportunity to exercise my right to opt out of certain data sharing practices.

This failure to provide an opt-out option constitutes a violation of my rights under the Gramm-Leach-Bliley Act. Therefore, I am requesting the immediate removal of all entries related to Mohela Student Loan Services and Missouri Educational Loan from my credit report, as this information was obtained and shared in an improper manner. This company has received documents and still has yet to removed I have attached picture of tracking number to the XXXX has received.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my Written instructions XXXX, XXXX, and Equifax have refused to remove this account after submitting an identity theft report from FTC. XXXX, XXXX, and Equifax has not furnished any documents for account validation after multiple requests. 

Account number reflects inaccuracy across XXXX, XXXX, and Equifax Date Opened reflects inaccuracy across XXXX, XXXX, and Equifax XXXX XXXX reflects inaccuracy across XXXX, XXXX, and Equifax XXXX XXXX reflects inaccuracy across XXXX, XXXX, and Equifax Date Last Active reflects inaccuracy across XXXX, XXXX, and Equifax Date of Last Payment reflects inaccuracy across XXXX, XXXX, and Equifax
Product: Checking or savings account

On XXXX XX/XX/XXXX, I contacted my bank, USAA, to update my mortgage payment for a new escrow estimate. As a condition to assisting me, the representative required I provide my employment status, industry, and name of employer. It is unclear to me why any of these questions should be a condition of service, though the representative claims it is now required by government regulation.
Product: Debt collection

I attempted to make a payment in full on a credit card and requested a receipt, the company refused to provide a receipt only a confirmation number. When I told them that would not suffice as my HSA card requires a receipt I was told that they will not provide one. My only recourse is to call back in three day wait on hold again for several minutes to request another copy of the statement but again they would provide no receipt. 
I am unsure of laws regarding billing companies but I know a retail establishment must provide a receipt and have never had an issue such as this before. If I agree to make a payment I should be given proof of said payment being made.
Product: Credit reporting

On XXXX XXXX, 2016, I responded to an online ad for a XXXX position for XXXX XXXX XXXX XXXX disclosed online, their background requirements and the process for securing a job. Their background check screening goes up to 7 years so I applied for the position. Later, I learned that XXXX XXXX background check requirements was misleading when I received a copy of my background report from Sterling XXXX XXXX the " Background Screening Service '' where my background check revealed that a 7 plus year background screening was performed on me which, I was not aware of nor did I authorize XXXX XXXX or Sterling XXXX to do. 
On XXXX XXXX, 2016, after I received my report from XXXX XXXX. I immediately requested that Sterling XXXX investigate the errors on my report and demanded to know why their company disclosed information to XXXX XXXX that was more than several years old. I believe Sterling XXXX clearly knew what they were reporting and how far back that they were reporting this information to XXXX XXXX. I believe that they deliberately distorted and lied about my clean motor vehicle record and there were a couple of dismissed cases on my report that were more than 15 years old, that Sterling XXXX XXXX reported to the employer. On XXXX XXXX, 2016 I received an email from Sterling XXXX Representative " XXXX '' stating that she completed the investigation and that she sent me a copy of my report but, I have yet to receive it. 
Even if, Sterling XXXX send me this report, the damages have already been done. XXXX XXXX sent me a new email on XXXX XXXX, 2016 with a second and final decision not to hire me. I believe that Sterling XXXX is at fault for this and for violating the Fair Credit Act. I feel that I have a right to sue for damages in the state or federal courts and I need to know how to proceed in this case. 
I am going to attach a copy of the email I wrote to Sterling XXXX CEO XXXX XXXX and XXXX XXXX. Representatives in regards to my complaint against both companies and I 've attached a copy of the background check that was emailed to me by XXXX XXXX including an online link to XXXX XXXX background check requirements. Here is a copy of the online link : XXXX. I have a copy of my actual background and motor vehicle record at your request. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I recently was checking my credit report and discovered the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXT XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX. These addresses are incorrect.
Product: Credit reporting or other personal consumer reports

Please remove the following fraudulent inquiries from my credit report : INQUIRIES XXXX XX/XX/year> XXXX  XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint is filed to request, pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ), that you, the TransUnion & XXXX XXXX XXXX agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. Specifically, the fraudulent account is with XXXX XXXX XXXX Additionally, the report contains unauthorized hard inquiries listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent items have led to inaccurate entries on my consumer XXXX credit report. I do not recognize these fraudulent accounts or inquiries as reported, and they were neither opened nor authorized by me. All of these accounts and inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) from the XXXX Federal Trade Commission, which verifies that these items are indeed fraudulent. Please remove these items and cease all related collection activity in accordance with my rights under the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second letter regarding account XXXX and I have had no correspondence back from your company in over 30 days. Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation -Failed to provide proof of your right to own/collect this alleged debt in the state of Texas. -Failed to provide me of the amount of which the debt was purchased/ forward flow agreement. Per the CFPB, I have this right as a consumer. Not only have you ignored my prior requests for validation of debt being that my information was compromised in a data breach, but you also continue to report this debt to the credit bureaus causing damage to my character. Please see the attached data breach results and the True Bill due to your company 's negligence and FDCPA violations. Payment is to be remitted to the address on the invoice.