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

There has been a bankruptcy disclosed on my credit report, that should not be there, this took place in XX/XX/year>. After some phone call inquires, credit bureaus did state I would have to appeal before removing the bankruptcy. To my understanding it is not to br reported.
Product: Vehicle loan or lease

On XX/XX/XXXX I paid off my car loan in its entirety causing an overpayment of {$640.00}. I am still waiting to get these funds. Each time I call they say it is pending or all they are able to do is send an email to those responsible for writing the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you delete this inaccurate information. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX 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 or other personal consumer reports

On approximately XX/XX/year> as I was checking my credit report, I saw a credit card from Barclays that I had not opened. I contacted Barclays and they determined it was fraudulent. I requested it be removed from my credit report from XXXX XXXX. As of XXXX XXXX it is still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if  the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} DPT TREASURY XXXX Balance Owed : {$33000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

I am in the process of selling my home. Chase bank acquired the company I originally received a loan from. They have not filed my extension of credit, so the title company can not clear title for me to close. They also have not furnished any documents from their lien research department.
Product: Debt collection

TransUnion ref XXXX enclosed are documents that state XXXX has no proof that I made or Used this account the only information they have is my name address and phone number in which they stated enclosed that was on the online contract { 1 } I was not living at that address I was living with my father at the time { 2 } they state that the phone number used { Wrong I did not have this number then, the only reason they have it is I contacted them about this account } { 3 } they have No contract with my signature on anything { AT ALL } { 4 } they state they send registered letters to my { I never get } them You transunion state validated when NO ONE Can get any information, XXXX, FTC, ATTY GEN, OCC,  CFPB, myself So I will be filing a Extorsion case against you and XXXX with the police dept and have it refered to the District Atttorny 'S office, I will also call the News Media to report this case, you can explain your position and XXXX to the court, o trust me Im filing this today Stall games with you and XXXX are very clear in your response to all the goverment agencies ALL DOCUMENTS WILL BE GIVEN IN THIS CASE. this is a fraud case in XX/XX/2014 filed in XX/XX/2014 as fraud. remove this account it is not mine or ever was.please dont send me or respond to the XXXX it's been done over and over, its your response ablity to report correctly and you have the documents that shows it can not be validated
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Shellpoint Mortgage Company took over my loan from Specialized Loan Servicing in XXXX of 2024. I have made every single payment to them on time and they keep sending invoices that I am late and they keep charging me late fees. I have supplied them with proof of payment from my bank over a month ago and now they have reported me as late to the credit bureau and damaged my credit by XXXX points. Today I received a letter from them saying they need more time to work on it. I believe it is illegal to report someone to the credit bureau when they can't find my payments and properly credit them because their administration is inept. Every time I talk to someone there, they tell me the dept that can help me with this can not do it over the phone. It has been almost six months I have been complaining to them and asking for them to get to the bottom of where my payments are going and to credit me properly. I have never in my life had a late payment on this mortgage or any other. And though my mortgage has been sold many times, I have never experienced anything like this at all. I believe I am due damages for the negative impact on my credit report as I am trying to look for another house to purchase!
Product: Credit card or prepaid card

XX/XX/2023 {$340.00} XXXX Billed location I have tried calling to refund on a charge that was paid in CASH, plus the amount is over the price for 1 person in which I have witnesses that were present. I tried calling the company and hotel management. NO RESPONSE or RESOLVING issue. 

Capital One says I provided a lack of requested information and closed my case when I provided fully information and statements. No further assistance or follow up was requested. 

I have called numerous times
Product: Debt collection

I never opened a Best Buy Citibank Visa card. Ive never had one! Never had one associated with the address on the statement that was sent to me and had no knowledge of this card until I checked my credit report. I had several other accounts that were fraudulent and the credit card companies cooperated and knew they were fraudulent and worked with me. Citibank did nothing to help and has sued me. They now have a judgement against me in XXXX XXXX Fl for the amount of {$1400.00} plus court fees in the amount of {$240.00}, with interest at the rate of 4.25 %. It was done and ordered XXXX XX/XX/2022 without my knowledge. Law office is XXXX, XXXX, & XXXX out of XXXX, Fl. No one talks to me and I get hung up on when I try to call.
Product: Debt collection

I have received multiple phone calls to my place of work. 7 calls came to my place of work in a matter of 3 hours. When I reached out to XXXX ( the individuals making the calls ) to ask that they contact me by cell phone and email only, t hey threatened to show up at my job to serve me papers. They attempted to speak with several of my co-workers about the issues which is a breach of privacy. I attempted to speak with XXXX and they informed me that it was an outside firm making the calls. I was not able to reach a solution because the representative would hang up on me. ( 4 times ). The only contact information I have for them is XXXX XXXX and a phone number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

( all times Eastern Standard Time XXXX XXXX ) XX/XX/2022, XXXX XXXX I received a notice from XXXX about activity on my credit report. I looked up my credit report on XXXX and found a collection account that is not mine on the report : - Credtor : SEQUIUM ASSET SOLUTION - Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX - Phone : ( XXXX ) XXXX - Original creditor : XXXX XXXX - Account number XXXX - Balance : {$1100.00} XX/XX/2022, XXXX XXXX I called the creditor at the phone number listed on the credit report. A voice response system answered, offering either a dial-by-name directory or an operator. I chose the option for an operator. I left a voice mail message with my name, location, phone number, and the nature of my call. 

XX/XX/2022, XXXX XXXX I called the creditor at the same phone number. A voice response system answered, offering either a dial-by-name directory or an operator. I chose the option for an operator. The " My Tell Voice Mail System '' said the mailbox was full and did not allow me to leave a message. 

XX/XX/2022, XXXX XXXX I sent a message to the creditor via a form on their website at this URL with my name, phone number, email address, and the nature of my request : http : //www.sequium.com/ContactUs/ContactUs.

I received a confirmation via email that the message I sent to this creditor via the web form was received. I have received no communication from any human about my issue.
Product: Credit reporting or other personal consumer reports

I filed a complaint on XX/XX/XXXXXXXX  regarding inaccurate information about the same credit account from XXXX XXXX XXXX XXXX. I also sent in evidence proving that the late payment listed for XX/XX/XXXXXXXX  was false. I received a response from Experian Regarding that matter and I was told that their investigations department found the information to be accurate despite receiving bank statements showing payments. On XX/XX/XXXXXXXX  I received an alert from experian regarding inaccurate and duplicate information reporting on my account from XXXX XXXX XXXX XXXX. 2 days later I called their department, the agent said that it will take 30 days to review the information. on friday XX/XX/XXXX, I received an alert via email that my Dispute had been Complete. I opened the credit file and the account and inaccurate information is still reporting with a comment stating that the information listed meets requirements of the fair credit reporting act ( Which Is False ). Ive Also Sent Disputes Regarding a XXXX XXXXXXXX Account That Was Opened In XX/XX/XXXX, I Received Letters From XXXX  XXXX Providing No Evidence Supporting their Claims Reported on my Credit Report In response to my request for information and dispute for deletion sent XX/XX/XXXX. Upon My Own Investigation, I've Viewed All Three of My credit reports and have found that the information across all three of my credit reports is Inaccurate. Due to Experian 's Continued Negligence, I DEMAND that All Inaccurate information of any type is updated and or REMOVED from my credit report based on the information ive provided IMMEDIATELY. Failing to do so will result in my measures to take the Appropriate Legal Action.
Product: Credit card or prepaid card

I applied for the TJX Rewards Master Card at XXXX in XXXX, XXXX XXXX on XX/XX/2022. At the time they claimed i would receive the Card in 7-10 business days. After that period i calles Synchorny to verify status, they told me the card was sent to an incorrect mailing address. They canceled that card and sent a new one to the correct address. Today is XX/XX/2022 and i still havent received the credit card. I have called a total of 7 times to make the same mailing address change. But every time i call, they have the incorrect mailing address again. I already had to pay for the credit card statement once and havent been able to use it. Almost 2 months have gone by and i still do not understand why they cant get the mailing address right. They dont have any other option to recieve the credit card. Everyte i call i get a different answer on what they think went wrong the last time. Im extremely frustrated. My credit has already been inquired; meaning if i cancel the card it will have a negative effect on my credit report, all because of this Synchrony banks inability to send a credit card to a correct mailing address. Please help!
Product: Checking or savings account

US Bank account 1. On XX/XX/XXXX, XXXX, a banker at the XXXX location, opened a business account for me and promised a {$500.00} bonus if I maintained a {$5000.00} account balance. To meet this requirement, she transferred {$5000.00} from my personal checking account to the business account, instructing me to leave it there for at least 60 days to receive the bonus. After more than two months, I still hadn't received the promised {$500.00} bonus. On XX/XX/XXXX, I returned to the bank to file a complaint. XXXX didn't want to resolve the issue and referred me to another banker under her supervision. This new banker claimed it was my fault and insisted I needed to deposit {$5000.00} in new money into the business account, a requirement I was never informed of. However, they never got back to me. On XX/XX/2023, I decided to visit a different branch at XXXX and filed a complaint with XXXX XXXX, the branch manager. He promised to get back to me soon, but I haven't heard anything since then. 

2. XXXX also offered to open a savings account for me, assuring me there would be no fees regardless of the account balance. However, I later discovered that there was a $ 5 monthly fee, which contradicted her initial statement. 

I believe there may be a network-wide issue within the bank covering up the misconduct of its employees. I'm seeking assistance to resolve this stressful situation.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit card or prepaid card

Identity theft against XXXX XXXX XXXX XXXX since XX/XX/2015 I have XXXX XXXX ID accounts XXXX email accounts XXXX accounts he has given access to my accounts to XXXX diffrent women he has impregnated over the years all while living with me I have credit debit mortgages under my my name personal loans Ive never had hospital bills I only have one address XXXX live XXXX  XXXX XXXX tx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with Equifax. delete all invalid data that is hindering my file.
Product: Credit reporting or other personal consumer reports

I found inaccurate information in my EXPERIAN credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

I have also attached the FTC report with the report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Checking or savings account

Dealing with an error of chase causing my business account to be closed. The result of a check being issued. After major financial setbacks and receiving the check I was unable to cash it because it did not have my name on it. The chase manager was unhelpful and not able to show compassion or offer any assistance. Besides the obvious explanation. I have been unable to reach the office and representative supposed to be assisting me or answering any questions I will now be seeking legal action as well this has been a big set back with my business banking and financial stability
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that Comenity pulled a hard inquiry without my consent, and others are complaining of the same on XXXX and XXXX. I, along with thousands, have not been able to pay my bill or access my account in over 3 weeks, no online payments, or customer service etc. is available. So not only did Comenity report as delinquent which dropped my score, now they pulled a hard inquiry for some reason and dropped my score even more and as of today they are still unreachable and the website is down.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by XXXX XXXX of a fraudulent application submitted with his information without his consent. An inquiry was generated into his XXXX  credit report XX/XX/2018 related to the fraudulent application.a formal dispute of that information was mailed certified with return receipt to XXXX XXXX  XX/XX/2018. As of this date XXXX XXXX has failed to reply to the outcome of the investigation, this activity is a violation of the FCRA and my clients federal consumer rights. 
In addition to the fraudulent XXXX XXXX  attempt ; the fraudster was successful in establishing a phone account with XXXX ; that account fell into collections with XXXX XXXX. A formal dispute was provided to them XX/XX/2018 concerning this issue of fraud and as of this date no reply concerning the investigation has been received, this is a violation of FDCPA, FCRA and my clients consumer rights.
Product: Credit reporting

Equifax continues to report a negative account ( XXXX XXXX ) on my credit report for which I was only an authorized user ; I had no payment responsibility on this account and it should not be reporting on my credit report. I have disputed this with all of the credit reporting agencies, including Equifax, and the account has been removed by all of the agencies except Equifax. This account is having a negative impact on my credit scores and is preventing me from obtaining necessary financing. 
I disputed this previously and Equifax responded with an inane response that did not address the issue I am disputing. I request that the CFPB instruct Equifax to either justify the erroneous reporting with documentation or delete this account as requested.
Product: Debt collection

Hello, My name is XXXX XXXX and I am contacting you in regards to my credit report showing PNC BANK NA account that was reported as a charge off and then paid in full, I have contacted PNC and they said it will take 7 years for the charge off to be removed from my credit report because they do not pay for removals, I explained it was an honest mistake because I had a secured credit card with a balance of {$300.00} along with a checking account, When I closed my checking account with PNC.bank I was under the impression that the remaining balance on My {$300.00} card would be deducted from my checking account before giving me the money, But unfortunately it was not and without any correspondence from PNC it went completely unnoticed, Then it showed on my report, So I am asking you to please forgive and grant me a goodwill adjustment by removing the paid account off of my credit reports, it has a significant effect on my credit score and I am currently trying to get approved for a mortgage, I hope you grant my request in a goodwill adjustment and remove PNC from my account, Thank you
Product: Credit card

I was charged XXXX dollars from XXXX  for their subscription. I did not sign up for that subscription and didnt give permission for that amount to be taken from me. Cash app pay is what my account was connected to. This basically allows merchants to take money from my account on cashapp even though I took the opportunity to secure my account by locking my card. I had my card locked and on XX/XX/24 I was charged XXXX  dollars. Both XXXX  and Cashapp have denied refunds for this situation and I refuse to let my money be wasted