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

I have reached out to all 3 Credit Bureaus several times asking them to look into and verify the inaccurate information on my credit report. Each time I have been told that everything is accurate and verified. I did a thorough research myself and found improper inaccuracies on the credit report after they stated they did their research. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # 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: Credit reporting, credit repair services, or other personal consumer reports

My car was been broken into andm y information was stolen and looked at my credit report and seen the these unauthorized inquires XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my CitiBank response from an Executive Response agent who unknowingly proved CitiBank ( Sears ) company has been inaccurately reporting my payment history to all three Credit Bureaus. I will start out by indicating the companies response was detailed, professional but did not resolve the issue. I recently received my response, from the Executive response agent ( not named ). The agent clearly states my payment was not received by the due date on XX/XX/2016 ( specifically XX/XX/XXXX per the attached Bill ). In the next sentence she then immediately acknowledges a payment in full was received by Citibank from me on XX/XX/XXXX. Clearly, if a payment was received 17 days past the due date ( by Citibanks own  admission in their response ), by definition this cant be considered a 30 day late payment. Yet, for the last 2 years Citibank has been reporting that I was 30 days late in XX/XX/2016 to all 3 credit bureaus. This is clearly a mistake by Citibank, reporting a 30 day late payment for XX/XX/2016 when I was only 17 days late by there own admission. The executive went on to indicated that " The account information and payment history in your credit profile are correct and will not be changed '' ( see attached doc w/ highlighted response ). The payment history, in fact is NOT being reported correctly. I request Citbank make things right by not only removing the 30 day late notice for XX/XX/2016 but also making no further adjustments to my account or payment history. Once again by Citibank 's own records and response, I wasNOT 30 days late in XX/XX/2016 and therefore they are indeed reporting inaccurate information. All three credit bureaus show a 30 day late payment for XX/XX/2016. Citibank/Sears is in clear violation and have failed to prove that I was 30 days late in XX/XX/2016 and must update their reporting to the Credit Bureau 's. 
This is my second complaint. I am highly disappointed in how Citibank/Sears has handled this situation and their unwillingness to make the situation right even for a consumer that has multiple Citbank cards. As a result Citbank and Sears will likely loose me as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on my credit to be removed.
Product: Credit card

On XX/XX/XXXX I called To pay off the promotional balance in the amount of {$790.00} on the XXXX XXXX XXXX XXXX  account that was expiring in XXXX as of XXXX. I requested it the representative to allocate the payment towards the promotional balance. 

When I called on XX/XX/XXXX I was advised that the original request was not done and that a new request would be placed. 

I called back on XX/XX/XXXX and the payment still was not allocated towards the promotional balance on this day I was advised that it could take up 2 billing cycles. 

I called back XX/XX/XXXX and the payment still was not allocated. 
Then I called on XX/XX/XXXX and the payment has not been allocated, and now I have been charged the interest rate of 26 % in the amount of {$490.00} Towards the promotional balance. This amount should have never been charged to me. Because I was calling to originally pay off the promotional balance. 

After holding for 30 minutes, the representative was not able to assist me and told me to call back to resolve my issue. That's when I decided to contact the bureau.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy on my credit report and noticed i have fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.
Product: Credit reporting or other personal consumer reports

Experian reports me as deceased. I, however, am NOT deceased. I have submitted disputes twice to have this removed. First dispute submitted on XX/XX/XXXX. I submitted all the information they requested, included a statement from the Social Security Administration stating I was alive. It was resolved on XX/XX/XXXX. They then put the deceased statement back on my credit report on XX/XX/XXXX. I submitted the second dispute on XX/XX/XXXX. It was resolved on XX/XX/XXXX and they removed the statement. They have now put the deceased statement on a third time on XX/XX/XXXX. I have submitted my third dispute now on XX/XX/XXXX.
Product: Checking or savings account

My Bank account was closed after someone hacked it and funds were taken and my account was locked
Product: Credit reporting or other personal consumer reports

I have survived human trafficking, and throughout my exploitation, my personal and financial details were misused without my permission. This led to the creation of fraudulent accounts and debts under my name. I would appreciate it if you could consider this background while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from relevant authorities and organizations to support my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I pull my credit report every year and for the last XXXX years going on 3 years I have noticed some things that's not accurate within my credit report. 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 or information concerning Individual about whom the report relates. These accounts XXXX  : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Are not mines I have never open accounts with these creditors I have sent a letter every 30 days asking them to reinvestigate the accounts listed above I also included FTC Report but TransUnion credit services is making it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification. 
Can you look into this problem
Product: Checking or savings account

XXXX The Stale of North XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX of XXXX NC ; in Mock lenburs. XXXX XXXX, MAKE OATH AND SAY THAT : XXXX. I XXXX XXXX never received any Social security statements or checks mailed to me for the payment due to my daughter XXXX XXXX XXXX from her late XXXX XXXX XXXX XXXX from XXXX. 
The first letter l received from social security Administration was XXXX of XXXX after his death. I was supposed to receive payments for our daughter. In addition XXXX XXXX XXXX XXXX prior to his death was XXXX XXXX XXXX. She never inform me of any checks I was supposed to receive. I have contacted several departments trying to resolve this matter but I don't to no assistance. I was unable to receive any positive outcome. 
know if'it 's fraud? I have in the pass placed a fraud alert on my credit report also just recently an employee from Social security told me there was account open in my name from XXXX XXXX XXXX XXXX that I didn't open in XXXX. I contact the institution and they verified my identity & said there was no checks deposited to those accounts from Social Security XXXX. She the social security employee couldn't give direct information to How the checks I was supposed to have received was distributed. I ask her was it direct deposit or mailed. In either category I never received the checks. 
Furthermore XXXX XXXX XXXX XXXX closed out XXXX XXXX XXXX XXXX XXXX XXXX account that XXXX XXXX & I had together. I have contacted XXXXXXXX XXXX  and they verified the information concerning that matter. 
There has been several things I was blocked or wasn't aware of due to XXXX XXXX XXXX having XXXX over XXXX XXXX XXXX assets. 
I have copies of such stated documents. XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX ny XXXX to his daughter address XXXX XXXX XXXX XXXX Ny. XXXX In conclusion I never received any checks from social security from XXXX XXXX for my daughter that was due until after XXXX XXXX XXXX XXXX. I'm asking that the Social Security XXXX please reconsider the payments from XXXX Social Security checks for my Daughter XXXX XXXX XXXX XXXX XXXX I look forward to a positive outcome for my Daughter. 
Sincerely XXXX XXXXXXXX XXXX
Product: Checking or savings account

My bank account was closed on XX/XX/2022 because of a check that was deposited to my account. I had a good relationship with my bank and they closed my account the check was under my name but I was deposited before and I didnt know to another account. They went ahead and closed it and it should under my XXXX XXXX  that it was closed due suspected fraud.
Product: Credit card or prepaid card

I was approved for an Apple Mastercard and now have an account open with them through Goldman Sachs Bank. They are refusing to give me a physical card to use for purchases. I do not even have access to the account number nor credit card number. They told me that I have to PURCHASE an XXXX XXXX in order to use my credit, and the only way to receive a physical card is to put in a request through their XXXX app on the XXXX. There is no way for me to use the " card '' or account without first purchasing a $ XXXX XXXX XXXX device. This is unacceptable, and they simply can not get away with such a discriminatory practice. I am shocked that they are allowed to OPENLY DISCRIMINATE against anyone who uses XXXX  for their mobile device.
Product: Mortgage

I did a mortgage refinance with United Wholesale Mortgage in XX/XX/2020. The mortgage was done with a mortgage broker from XXXX. I was told everything would be seamless and there would be enough taken out into my escrow account at the time of signing and the projected payments to the escrow to allow for my taxes and insurance to be paid. I went with them based on the numbers I was given. In XXXX of 2020 I received a delinquent tax bill from XXXX county that my XXXX taxes had not been paid. I followed up with the mortgage company and they stated there was not enough in the escrow to make the payment. After talking to many people they paid it and the penalty too. I was told I would have to pay back the escrow amount of {$3800.00}. I never would have done the refinance had I known it would have been almost {$4000.00} more. The mortgage broker knew that and I feel like numbers were manipulated to get me to do the mortgage refinance as my husband and I have good credit and were a good target. The mortgage company stated I could pay back the shortage over 2 years and now I received a statement stating they would collect it over one year. The monthly amount went from {$2600.00} to {$2900.00} for one year and this is not something I signed up for.. I feel like the mortgage broker from XXXX XXXX XXXX misrepresented my new payment and the loan to get us to sign. This is not my mistake and I am being made to pay for their deciet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and discussed the problem with a represenative and they told me that I could not dispute them they will fall off in 2 years. I kept explaining that they are unauthorized and he just said wait 2 years. He then put XXXX a supervisor and the phone and she could not understand me and I could not understand her
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to ONEMAIN for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out communication to them for so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Debt collection

The apartments in which we lived is saying we owe a balance. They refuse to furnish me with the online portal transactions which will show we paid the final bill. They sent the balance to Professional Debt Mediation. I disputed the balance and the account was rendered closed with the apartments saying they had made a mistake. PDM sent a letter stating the account was closed. A few mo the later, they sent another letter on the same account trying to collect the balance after closure. I tried to reach out and both PDM will not furnish the portal transactions. I hired a lawyer and all communications with PDM were to go through my lawyer. I received an email from XXXX XXXX where PDM reported the balance on my credit. I need help please.
Product: Bank account or service

BB & T should pay the penalties and interest of {$440.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts on my credit file from XXXX XXXX - acct # XXXX they are all listed with the same account number these accounts have been on my credit file for longer than 7 years. XXXX  deleted the accounts as of XX/XX/2018 but they still remain on file under Transunion and XXXX. 

these accounts should be excluded/removed from my credit file based on the 7 year law
Product: Checking or savings account

my account was frozen by the bank because they claimed someone was trying to deposit fraudulent funds through the ATM machine
Product: Student loan

I attended the XXXX XXXX of XXXX from XX/XX/XXXX XX/XX/XXXX. I took out student loans to pay for tuition that I was consistently mislead and overcharged quarter after quarter, not realizing at the time because I trusted my financial advisor. I paid over {$2500.00} a month as well as taking out student loan and grants that I was not being informed on.I was given false information regarding these loans as being led to believe they were grants and not having to pay them back as well as paying partial tuition up front, ( cash ). I was also misleading on the entirety tuition cost as a whole. 
The XXXX XXXX promised its graduates MANY things that were never attained post graduation. I was told graduates would be placed in an industry-related job after graduation, and that did not happen. I had no help whatsoever with my job search after I graduated in XXXX. I was also promised prestigious, industry focused internships throughout my time at the XXXX XXXX of XXXX. This did not occur. The professors who had the industry connections did not assist with finding students internships. I found all of my own internships and externships with no assistance from the Institution. I now have over {$85000.00} in student loans that are not valid from an institute that has completely closed down, Nation wide and I can not do anything with this company, AES ( American Education Services ) because it is considered a private loan. So, I can not request a borrowers defense exception for the {$19000.00} that AES is requesting I pay them. 
I want this company to work with me and see this {$19000.00} student loan went to a fraudulent Institution that is no longer in business and I can not get a Job in my field of study. Therefore, I can not - and should not be held responsible. 
I am tired of the calls, threats from this company trying to use emails and scare tactics demanding I pay. This private school loan should not be held valid under my name nor I should be responsible because the institute was misleading and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit file XXXX XXXX ( Original Creditor : ) XXXX XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit report that I did not benefit from. I was a victim of the XXXX XXXXXXXX data breach, and have had someone hack my bank account information as well. I also have a collections account from a fraudulent car lot/loan company, who sold me a bad vehicle that I gave to a friend, who did not properly sign paperwork or assume payments, leaving a bad debt in my name. I need this fraudulent account removed from my name immediately, or I will sue for civil action against the person and the company.
Product: Money transfer, virtual currency, or money service

I was called from Wells Fargo number that matches the phone number on my card on XXXX and they proceeded to ask me about some out of normal purchases that were suspicious That was used from a XXXX and a tablet in XXXX Ca and of course I said no They sent me a text that was identical to Wells Fargo to identify and to provide the number to identify the account. They put me on hold and then came back and asked me if I knew XXXX XXXX and I said No and before I could even catch it they wired transfers the money. I tried to stop the wire but wasnt able This is definitely an inside Wells Fargo scam. I called at XXXX XXXX on XXXX to alert Wells Fargo and file a fraud claim I was a victim of wire fraud and wells Fargo is to blame for not catching the wire I called the next morning to try to have them reversed and Im waiting