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

I wrote already a letter to Equifax and XXXX regarding personal information incorrectly reporting on my credit report but I've never lived or associated with the addresses they are reporting. I want these addresses that they're reporting removed from my report.The only address that I have lived at for the past 12 years is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. The incorrect addresses that they are reporting are as follows : For XXXX they're incorrectly reporting this addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 
For Equifax they're incorrectly reporting these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Lastly, for XXXX they're reporting my name inaccurately as " XXXX XXXX '' and I don't go by that name at all. Please have someone look at this. I made an FTC report and I sent to each agency after instructed to by them and nothing was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud the following Inquires were not made by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion File number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is a violation under the law 15 usc1681b Permissible purpose of consumer reports.

Without my written consent the credit bureaus furnish any information on my credit report to continually do so is considered identity theft and fraud.

15 U.S. Code 1692c cease and desist communication.
Product: Mortgage

I have been in forbearance for 15 months ( XXXX ) on my VA insured property in Virginia. When I went into forbearance I was assured by Wells Fargo that I would be able to have multiple options after ending forbearance. They assured me that as the investor on the loan, WF would have all abilities and desire to offer me modification, Including VA IRRRL, deferment and others. They sent me a letter stating this. I chose to continue forbearance with the expectation that these would be available. Now whenever I call the home preservation department, they say that the VA is the investor in my loan ( an obvious lie, even to a layperson like myself ), and they can only offer lump sum payment or a payment plan pending approval. I'm working in XXXX now as a XXXX XXXXXXXX, and I fear that I will loose my security clearance, my livelihood, and my former home. Despite my repeated efforts to give WF my contact information, they refuse to call the number I have provided them, and have refused to mail to the XXXX address I have provided. 

When I called and pointed out that they had promised modification options, and they sent me an email admitting that they had given me incorrect information, and told me that I was not eligible for deferment. 

I have to believe if they are lying to me and doing this, they are hurting other people as well. 

Please Help.
Product: Mortgage

Received a letter XX/XX/2019 saying Notice of Sale of Ownership of Mortgage loan. 
XX/XX/2019 I received a foreclosure letter from XXXX XXXX XXXX a foreclosure attorney saying the sale date for my home is XX/XX/2019. The Mortgage Transfer of Ownership Notices / The Truth in Lending Act requires the borrower is to be notified in writing of the owner or assignee within 30 days after the loan is sold. I was notified within 30 days. I have also request mortgage assistance for my delinquent mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to remove an inquiry due to credit fraudXX/XX/XXXXXXXX, OR XXXX phone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX however Equifax has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Bank account or service

I open a discover online saving account on XXXX ,2015 using the code " XXXX '' which will give me {$100.00} bonus within 1 month After I open a new saving account and deposit {$5000.00} before XXXX/XXXX/2015. I 've met all the requirement by XXXX/XXXX/2015 and wait for XXXX fully month but tthe bank customer service just want me wait another 4 week and they are still not sure whether I can get the bonus or not. I have already save the whole website during application.
Product: Credit card or prepaid card

American Express denied my credit application for their XXXX XXXX XXXX credit card. They mailed me a letter dated XX/XX/2021 stating they can not approve my application at this time due XXXX  my XXXX score. According XXXX  the EQUAL OPPORTUNITY CREDIT ACT 12 C.F.R 1002.2 ( c ) REGULATION B ADVERSE ACTION- American Express committed adverse action upon me by refusing XXXX  grant me credit. American Express has severly discriminated against me according XXXX 12 CFR 1002.4 ( a ), XXXX  has inflicted discouragement upon me according XXXX  12 CFR 1002.4 ( b ). American Express has mailed me numerous credit advertising letters with offer codes, XXXX  still denied my application. These are also federal violations according XXXX  the FCRA. According XXXX  15 USC 1602 ( p ) American Express has committed unauthorized use of my credit card, XXXX I did not receive any benefit. 

REFERNCE NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I was notified my info was in a XXXX data breach and to check my reports for fraudulant or or inaccuracies on my report. 

I reached out to all 3 credit bureaus and some inquireis were removed but many still remained.

Under FRCA 1681 USC 15 everything must accurate and verifiable. I never gave consent to these companies to pull my credit but, yet Transuinion, XXXX and XXXX has refused to remove these unauthorized inquirieis. 

XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX I have never given consent nor have any knowledge of ever giving my authorization for these inquiries on my credit report. 

I want these inquiries removedd immeiately or pay me {$1000.00} per unauthorized inquiy and in accurate info. 
I have enclosed my FTC ID THEFT AFFIDAVIT to prove I did report these errorss back in XX/XX/XXXX and present the inquiries are still there have violated my rights by not removing them.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating the matter to ensure my rights are upheld. Thank You
Product: Checking or savings account

On XX/XX/XXXX I made a purchase on XXXX a.k.a XXXX XXXX expecting to receive my merchandise in return. However merchants never sent my merchandise and took my money for fraudulent purposes of person gain. I disrepute this matter with my banks nothing this has caused serious problems of my funds been low as well as fee with my bank. 

XX/XX/XXXX XXXX  confessed and refunded my funds which caused my funds to be low and access fees However netspend is engaging in this fraud and leaving all fees related to this matter from XX/XX/2017 and the present. 

I contacted net spend and followed the chain of command of speaking to the supervisor and manager noting this fraudulent activity in I shouldnt be responsible for fees involving fraud netspend refuse to assist leaving multiple fees on my account
Product: Credit card or prepaid card

Capital One XXXX, XXXX .... 
The basis for my dispute is ALLEGED balance of - was required to notify me prior to X/XX/2015, or no later than 30 days after Capital Onefailed to notify me about reporting derogatory info. to XXXX, and In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 
Also, Capital One '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Capital One failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve Capital One is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XXXX reh.den. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXXDallas XXXX writ dism 'd w.o.j. )
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX. I am not sure if youd need my SS but its XXXX. 

Me and my wife are in the process of buying a house. A loan officer said I have a student loan that is paid off but is showing up on my credit report as open. The company that was used to pull my credit was Experian. 

I have been trying to talk to creat an account on their website to get a credit report but an error screen keeps popping up on their website. I have tried calling support for the last three days. The one time I actually got ahold of an actual person my account got frozen and the specialist told me to call in 72 hours. 

I have been trying to get an actual live person to talk to for an 1.5 hours but am having no luck. 

I am hoping that someone can get that paid off student loan off of my credit report, so it can help me and my wife get a new house. 

Thanks, XXXX XXXX
Product: Credit card

I demand that bank of america complies with the Fair Credit Reporting Act and delete the referenced account from all of my consumer reports. Pursuant to section 623 of the act, it states that once a data furnisher receives a dispute from a consumer that specifies what they are disputing, explains the basis of the dispute and supply supporting documents, the data furnisher MUST either modify the item of information or delete it. I am demanding that it is deleted as it is inaccurate, incomplete and unverifiable. Please see attached exhibit ). Pursuant to 623 ( b ) ( 1 ) ( D ) and subparagraph ( E ) ( ii ) the data furnisher ( bank of america ) MUST remove the item of information from all consumer reports. If this does not get resolved promptly, I will seek legal action for FCRA violations.
Product: Mortgage

I had a mortgage on a Coop apartment with Astoria Bank and as a result Astoria Bank was holding the Proprietary Lease and Stock Certificate. Upon selling the Coop apartment, Astoria Bank informed us that they had lost the Proprietary Lease and Stock Certificate and sent us an " Affadavit of Lost Assignment Assumption and Consent to Transfer of Proprietary Lease. '' As a result of Astoria Bank losing the Proprietary Lease and Stock Certificate, I had to obtain a new Proprietary Lease and Stock Certificate which cost us {$800.00}. As explained to us by Astoria Bank 's representative at the closing and in Astoria Bank 's own affidavit Astoria Bank is obligated to reimburse us the {$800.00}, which it still has n't done despite my best efforts through constant letters, faxes, emails, and telephone calls. In Astoria Bank 's own affidavit they state " the Bank was the last holder '' and " the Bank shall indemnify and hold harmless XXXX. '' This issue has been outstanding since XXXX of XXXX and today is XXXX XXXX, XXXX, so this simple matter has been unresolved by Astoria Bank for over 10 months. Astoria Bank has been unresponsive to my frequent contact over the past 10 months and they have n't been able to put me in contact with anyone who can help resolve the matter. I 've requested to be put in contact with Astoria Bank 's research department that is researching the matter, their Compliance department and their Ethics hotline but my calls never make it past Customer Service and they tell me that I ca n't reach any of those departments directly to resolve the matter. From my perspective the issue is easy and straight-forward. Astoria Bank was holding documents that they were responsible for and lost them and now they should reimburse for the replacement of those documents. This is all spelled out in Astoria Bank 's own " Affadavit of Lost Assignment Assumption and Consent to Transfer of Proprietary Lease, '' which was issued and signed by Astoria Bank. In addition to sending Astoria Bank their own affidavit stating the facts, I also sent Astoria Bank the paid invoice that I received for the new documents, as well as a copy of the check used for payment. I do not understand why Astoria Bank has continued to drag its feet in resolving the simple matter for so long and why Astoria Bank makes it so challenging to get help on the matter. I suspect that they 're hoping that I grow weary and give up on the matter so that they avoid the reimbursement and steal my {$800.00}. This is not right and it is unethical and Astoria Bank should be reviewed and punished for how it handles this and similar complaints.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( XXXX ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( XXXX ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A XXXX 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

I have filed dispute for the partial charge with my Citi credit card. 

When I filed dispute with Citicard I offered supporting documentation but Citibank rep refused to take it and advised me that Citi would notify me if needed : I believe Citi does that on purpose to easily deny consumers disputes. 

Citi is violating user agreement as they pledge to help consumers to fight fraud : Citi Executive rep XXXX XXXX response from XX/XX/2018 applied facts improperly and demonstrated that Citi is unwilling to detect and fight fraud : 1. XXXX XXXX is incompetent as she is only taking into consideration merchant 's false response : " TV 's were inspected, nothing was returned. '' XXXX XXXX did not bother herself with reading and investigating my complaint : Facts : 2. One TV was left behind and merchant confirmed that fact in writing to Citibank 3. On XX/XX/XXXX when merchant state I picked the remaining TV I was in State of WI, see attached proof : my credit card statements 4. Pick up signature on merchant 's receipt is not my signature, see my signature attached 5. XXXX toll info record I left State of Fl on, she simply cited merchants false response while I am stating that I was not in FL on XX/XX/XXXX to pick up 1 TV merchant stated that I picked up TV on XX/XX/XXXX, while I was in WI, see my credit card statement also my signature is forged. 

Citibank ignoring the fact that I left behind 1 item. 

Citibank must investigate fraudulent activities and comply with the user agreement.
Product: Bank account or service

I signed up for a Citibank gold checking promotion ( i received the offer from Citi Bank by e-mail, which I can provide ) that offered XXXX XXXX AAdvantage miles after meeting specific spend and bill pay requirements. After completing the requirements, I called Citi representative on XXXX/XXXX/2016 to confirm that I had successfully completed the Citigold checking promotion. After checking that I achieved the conditions ( using Debit card for {$1000.00} spend and pay two consecutive bills ), Citibank confirmed through phone that I had successfully completed the promotion and that the airline miles would be deposited into my account within 90 days from the date of completing the program 's requirements. I called to confirm one more time in XXXX, and I was told to wait till XXXX for miles to post. More than 90 days ( over 100 to be exact ) past without having the promotional miles deposited into my account. I called and sent another secure message to Citibank witch did not result in positive outcome. In addition to being denied the XXXX points, I was required to pay account fees to keep the account open until the points had posted.
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT. I HAVE BEEN TRYING FOR SEVERAL MONTHS TO GET THIS REPORT CLEANED UP BUT THE BUREAU JUST KEEPS GIVING ME THEW RUN AROUND AND IGNORING THE FACT THAT THIS IS FRAUD. THEY ARE CONSTANTLY TELLING ME THAT THIS ACCT WAS VERIFIED BUT THERE IS NO WAY BECAUSEITS NOT MINE! YOU CAN NOT VERIFY AN ACCT THAT WASNT OPENED BY ME. I HAVE RECEIVED DEVERAL COPIES OF MY CREDIT REPORTS BUT NO PROOF OF WHAT THEY ARE CLAIMING IS VERIFIED. I NEED A SIGNED CONTRACT BY ME OR THIS NEEDS TO BE DELETED IMMEDIATELY BEFORE LEGAL ACTION IS TAKEN AGAINST THE BUREAU AND THE FURNISHER THATIS REPORTING. 
XXXX XXXX XXXX REPORTING AGENCY : EXPERIAN XXXX. XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has just destroyed every credit report ( transunion, XXXX, XXXX  ) with inaccurate information and predatory lending practices. They report payments being made that are not happening, then they will turn around and report payments not being made after the case with the vehicle in question has been resolved in court. Just last week I saw payments being reported made & I have not made any payments for a few years now. I looked through the contract for the vehicle and noticed that there was a job listed for my consigner that she never had with income in order to secure the loan. There were alot of other inaccuracies that they used to put us in a vehicle that was overpriced & we could not afford, ran through the contract quickly when we were signing so we would not notice. We made payments for years and not one payment is listed on any credit report. They keep reporting payments & erasing them causing havoc on my credit scores. I have complained & disputed this many times with all 3 credit bureaus and it still is on my credit report causing major damage to my score for years. They have also been sued in court by consumers for predatory lending just a few months ago. XXXX XXXX is terrible and they should not be allowed to damage peoples lives like this. This account needs to be removed from my credit report & my cosigner.
Product: Checking or savings account

{$3500.00} was taking out of my savings saying memo post item. Bank is saying XXXX  took it and XXXX is saying it was for a collection.
Product: Debt collection

The debt was sold without being contacted in regards to. I was told from the school that the tuition would be covered after so many XXXX of being enrolled. The tuition then was sold off to the debt collection agency with no signature or verification of debt/ ownership. I spoke to the debt collection agency on various occasions and asked to not be contacted, however a debt collector called my telephone and left a voicemail to resolve the debt. I have expressed on numerous occasions the nature of the debt alongside with disputing it with the credit bureaus it's invalidated.