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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX ADDRESSES : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX Employer : XXXX XXXX XXXX inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5500.00} LA XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX XXXX Balance Owed : {$380.00} CONNS XXXX Balance Owed : {$1900.00} XXXX XXXX  XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$1300.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$4400.00} Experian ADDRESSES : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Employer XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX XXXXXXXX XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX XXXX Balance Owed : {$380.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$31000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX, XXXX & XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX LA XXXX XXXX XXXX, LA XXXX Employer : XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$5500.00} LA XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX XXXX Balance Owed : {$380.00} XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$31000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX, XXXX & XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Mortgage

I HAVE BEEN APPLYING FOR MORTGAGE ASSISTANCE WITH MY SERVICER, BSI FINANCIAL. BSI HAS ASKED FOR THE SAME DOCUMENTS ON XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX, 2015. EACH TIME THE DOCUMENTS WERE SENT TO BSI. THE DOCUMENTS ARE : 2 MONTHS BANK STATEMENTS, XXXX MOST RECENT PAY STUBS, AND HOMEOWNER 'S DECLARATION PAGE. IN A LETTER DATE XXXX XXXX, 2015, BSI ASKS FOR THE SAME DOCUMENTS AGAIN THE LETTER IS ATTACHED. ON PAGE XXXX OF THE LETTER IS AN ADDRESS AND FAX NUMBER FOR XXXX, PA. ON PAGE XXXX IS THE ADDRESS AND FAX NUMBER FOR XXXX TEXAS . IN A PHONE CALL WITH BSI ON XXXX XXXX, 2015 AN ENTIRELY NEW FAX NUMBER WAS PROVIDED. BSI IS UNABLE TO PERFORM BASIC OFFICE FUNCTIONS AND ACCOUNT FOR DOCUMENTS THEY RECEIVE VIA FAX. WHAT THEY CAN DO, HOWEVER IS SCHEDULE FORECLOSURE SALES. BSI SENT A REPRESENTATIVE TO MY PROPERTY WHO POSTED A NOTICE OF TRUSTEE SALE WITH A FORECLOSURE SALE SCHEDULED FOR XXXX XXXX, 2015.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed fraudulent information and erroneous personal information. Pursuant to 15 USC 1681c-2, DELETE fraudulent accounts and Inquiries within FOUR business days of receipt of this letter due to identity theft/alleged identity theft as I DID NOT originate nor authorize these accounts to be listed. Also, UPDATE my personal information pursuant to 15 USC 1681s-2. ADD NAME ( ALL THREE BUREAUS ) : 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 XXXX XXXX XXXX. 
Please see attached Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from the credit monitoring company that lowered my credit score. The alert was from a collection agency stating that I owed {$1500.00} to XXXX. I do not have nor have I had a XXXX account. The collection agency is Eastern Account System at XXXX. They are located at XXXX XXXX XXXX XXXX, XXXX, CT XXXX. I tried to call them to resolve the issue but my call was never answered. Since then, I contacted my credit monitoring company to report the incident. They suggested that I file a thief ID affidavit form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried disputing a car loan that is marked at " charge off/ write off '' on my credit report- the man said he wouldn't do it and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been approved by XXXX XXXX XXXX  Credit Card Department for a credit card balance of {$2500.00} I have had the card and have been using the card responsibility for 3 months now, yet, they have not reported the account to XXXX, Transunion and XXXX  Credit Bureaus at all. Please have them ( XXXX XXXX XXXX Credit Card Department ) report this credit card account to XXXX, Transunion and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX {$0.00} XXXX Update to never late XXXX XXXX {$6300.00} XXXXXXXX XXXX XXXX XXXXXXXX {$2400.00} XXXX Remove XXXX XXXX XXXX Remove XXXX XXXX XXXX XXXX XXXX Remove Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove XXXX XXXX XXXX Remove Inquiry XXXX XXXX XXXX Remove Inquiry XXXX XXXX Remove Inquiry XXXX XXXX XXXXXXXX Remove Inquiry XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I have recently contacted customer service regarding a written request to receive all information regarding XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX AES has failed to do this and is purposely advising customer service representatives that they are not authorized to provide lender information. Since private lenders are not under federal authority, they still must provide their information. AES has repeatedly sent me a promissory notes from XXXX but not from XXXX XXXX XXXX XXXX verifying they transferred/bought the loan. I have repeatedly ask for a forbearance only to be told the lender states I have used up my forbearance time. If there is no contact information to XXXX XXXX then where is AES receiving this information. I have also researched this supposed lender and an unknown address in Delaware has surfaced with no telephone number to contact them. If AES does not produce the direct number to this XXXX XXXX XXXX XXXX entity then I will assume the promissory note they have sent me is not accurate or false which means XXXX is still the lender. My loan originated with XXXX and I have no verified proof that this XXXX XXXX XXXX XXXX entity transferred or bought the loan. AES can not seem to explain where they are getting the denial 's from regarding my request for a natural disaster forbearance or regular forbearance. I do not want a promissory note from XXXX as I have this documentation. I need to see the actual verification that XXXX XXXX XXXX XXXX owns the loan and not some flimsy excuse that lenders do this all the time. If XXXX  is an actual lender then I need the actual contact information and number as well and not some vague response regarding AES is not authorized to provide direct contact information. My monthly payment amount is on a modified plan ( {$480.00} ). The private loan is consolidated and was originated in 2007 with XXXX loans. the XXXX XXXX XXXX XXXX address I researched online is XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. When I submitted my dispute, Equifax consistently responded with 24 hours stating that the account was accurate, without providing any evidence of a thorough investigation. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S Code 1681i, which mandates a reasonable investigation of my disputes. Equifax also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S Code 5536 ( a ) ( 1 ) ( A ) - ( B ) for similar violations. O request that the CFPB take action to ensure that Equifax complies with the federal law and provides consumers with necessary proof of investigations. 
The account that I am trying to dispute is with XXXX XXXX. It is a charged off account but is still showing a balance. This is a violation of the FCRA. I want this account removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have know knowledge of this account and i did not authorize the reporting of this account onto my reports.
Product: Debt collection

Calling at least five times a day. Today they are calling every XXXX to 1.5 hrs. Have told them I am filing bankruptcy and to contact my attorney. Still harrassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested reporting agency provide Metro 2 complacency of reporting 30 day late on report XXXX XXXX XXXX  XXXX Account number XXXX Paid, was past due 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to let XXXX know that Ive never ever had a phone line with XXXX, its showing up on my credit report and has been for years. I never opened a XXXX account. Ive had XXXX since I was XXXX and Im XXXX years old now. They refuse to help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. 
CITI XXXX Date Opened : XX/XX/2016 Balance : {$5600.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

To Whom It May Concern : After sending a letter to H & R Accounts via certified mail they responded with itemized statements from the hospital that clearly violated my HIPPA rights. The attorney I have spoken with advised me that a collection agency may have access to the amount owed and general medical billing codes regarding the hospital or physician 's office visit. They in no way shape or form should have received an itemized statement listing every diagnosis, procedure, medication, lab, or diagnostic test describing my visit. I was further advised that the legal procedure for this is for the collection agency to request that the hospital send the consumer the itemized statements but a collection agency legally should not have this information, to begin with, nonetheless mail the consumer a copy. This is a direct violation of my privacy and I am prepared to file a formal HIPAA violation complaint if remedied. I absolutely will not stand for my personal information being accessed by anyone other than my medical providers, especially without my permission or knowledge of them having it. All of the accounts placed with H & R Accounts are to be immediately removed from my credit profile and H & R Accounts shall cease all contact with me as well as any further attempts to collect these debts from me or I will immediately file a formal HIPAA complaint and will allow my attorney to start a civil lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX Account, has violated my rights. 

15 UCS 1681 Section 602 States I have the right to privacy.

15 UCS 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 UCS 1666B As a creditor you may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

On XX/XX/2019, an agent called from my mortgage company, Quicken Loans ( aka Rocket Mortgage ). He claimed that he wanted to see if there was anything we needed. I said I believed my loan balance to home value ratio met or was near meeting the criteria for removing private mortgage insurance ( PMI ). He didn't answer my questions about PMI, but took our information and said he would check into it. 

A few days later I received an alert that he ran a hard credit check, and I also found he started a loan application. I did not authorize a hard credit check. I also did not initiate, authorize, or want a new mortgage. I only intend to be in the house for another year or two, so it doesn't make any sense. 

I have communicated with the company multiple times. Their agent has agreed that it is not a good course of action, yet they persist in pursuing the bogus application for credit, and refuse to reverse the credit check even though I never authorized it. 

It feels a lot like what XXXX XXXX was doing -- creating bogus applications on existing customer accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After discovering this debt with XXXX XXXX  XXXX XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my fico score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.
Product: Checking or savings account

I am a XXXX employee. 

I bank at XXXX XXXX currently, and reviewed an account opening offer for Citi bank to take advantage of on XX/XX/XXXX. I funded the account with XXXX $ by debit card transfer. That deposit was held for XXXX hours and made available XX/XX/XXXX. From XXXX XXXX  to citi bank. 

XX/XX/XXXX, they placed an account hold. 
XXXX  they said it was a XXXX XXXX issue ( which is a lie, XXXX XXXX let the money go on XX/XX/XXXX per trans history ) Then the XXXX  representative said that there was no hold. Which is not true because my citi bank app says " delay hold '' placed at XXXX A XXXX representative said this will be available tomorrow. But that is not true per the XXXX supervior that stated this hold is not because of XXXX XXXX but for other reasons that can not be explained and no hold release date has been provided. The fraud team said since I changed my pin number it causes a flag. 

I asked to be transferred to someone in the u.s and instead of a customer service rep, they directed my call to a u.s branch and then got re directed to customer service for a XXXX minute hold time. 

This is cash. I had my XXXX XXXX account for a year now. All receiving money by my direct deposit from my employer XXXX  bank. 

This deposit is made over XXXX business days ago. 
I live in Florida and not many citi banks are around. I am glad I am having this problem prior to switching my direct deposit but.. 

They are illegally holding my funds outside of reg cc. 

I am not committing ID theft and the money did not come from a fraud source. 

I have XXXX  years of banking knowledge. 

Citi bank is committing a crime. 

I was warned about citi bank and said why would I be flagged. I opened up a personal checking and brokerage. 

This bank deserves to be fined for violating many regulations. 

The XXXX  image I included shows the XXXX $ sent on XX/XX/XXXX from XXXX XXXX. 

The XXXX  screen shot shows the illegal delay of my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the accuracy on the following account because it is aged past 7 years and it is not supposed to be reporting on my credit report. I consulted with a lawyer because I have been fighting this some time now, They told me that this falls under the following section inside of the FCRA. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. I have asked this company not to report this because it is outdated past 7 years. I have even told XXXX, Experian, and XXXX to look at it because it is outdated. It is also reporting incorrectly across all 3 bureaus. Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. The account type details is different, the reporting balances are different, the date of last payment and date of last activity is different and and both have not been touched since XXXX.
Product: Mortgage

Our mortgage was originally with XXXX XXXX XXXX NewRez took over as the service provider. I am currently working with a Credit Union to refinance our home. We have a Covid 19 Standalone Partial Claim on our home. The deed is registered with the county. When I called NewRez ( XX/XX/XXXX ) to get the pay off request for the Lien they stated there was no Lien and to just refinance and either HUD will drop the Lien or we will get a statement in the mail. I reached out to HUD/ISN and FHA and they do not show their is a Lien in their system and stated our Lender did not submit the paperwork to HUD. We signed the partial claim back in XX/XX/XXXX. XX/XX/XXXX I was finally able to get some paperwork ( Claim Agreement, Promissory Note ) but they are still saying they do not have a payoff request. I had them submit a case to be escalated to either provide the statement for pay off or discharge the Lien. I was told they they have until XX/XX/XXXX to provide me an answer. By then I will lose my locked in rate I currently have. XX/XX/XXXX and XXXX XXXX I have called NewRez in the morning and evening and I am told time and time again that they are working on it but they have no resolve. I spoke with customer service on XX/XX/XXXX and was told that when they looked into the account no one has started anything since i called in and that she would get her supervisor involved to escalate this. There is not a way for me to submit a " request '' for something that does not show up in their system. The Credit Union I am working with already pushed out the Locked in rate one time. Its costing money every time we have a delay.