23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Marcus is not fully reporting balance information and balance history to the credit bureaus. I am unaware what the impact is- if any - positive or negative - to my credit report. However, regardless, I would like my entire balance and payment history- which is 100 % on time - to be reported accurately in full.
Product: Checking or savings account

I received a large settlement XXXX XXXX XXXXXXXX and XXXX deposit it into my account by adding potions to all accounts and opened investment account. Over this time while paying bills and etc. I noticed my money was not being in my accounts and then getting very low. Ive reached out to Bank Of American several several times to get help, but online banking over phone say they didnt see any large deposits in any of my accounts.

Ive went to several different branches to get help trying to see whats going on, but again they tell me and look at me crazy when I let them know I did make a large deposit XXXX beginning of your, but they still say the system not showing any large deposits. 

I made several more attempts and on XX/XX/2023 attempted again at branch with lady in her office. They made me feel like I was doing something wrong and crazy in the head thinking I should have that large amount of money and its missing out of my accounts. 

Ive made one more appointment for XX/XX/2023 and have went over my account several times and have accounts information wrote on paper trying to find the issues and wrote the amount down I post to have in my account. XXXX XXXX got injured on my job so this money is all I have to pay my bills until XXXX  approval my benefits. 

Please help me get ALL my money back into my account. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

21st Mortgage Corp reports inaccurate information to my credit reports on XXXX XXXX and XXXX. 21st Mortgage Corp 's attorney made a deal with my attorney regarding the foreclosure on the manufactured home- Stating if I moved out, 21st Mortgage Corp would not report to my credit report and I would not owe any balance. I withheld my end of the deal and moved out of the manufactured home and off the property. The manufactured home had been unoccupied and utilities had been disconnected from the home since XXXX XXXX It sat unoccupied for many months. 21st Mortgage Corp did not withhold their end of the deal and reported it to my credit three credit reports, along with reporting inaccurate information on my three credit reports continuously. Every time I disputed the account from 21st Mortgage Corp with XXXX XXXX, and XXXX 21st Mortgage and/or the credit bureaus would continue to update inaccurate information with more inaccurate information. XXXX, XXXX, and XXXX should have deleted the account from Mortgage 21st Corp due to inconsistently reporting/updating inaccurate information when disputed, along with providing proof from attorney email regarding the deal made and my moving out and it not being reported to my credit reports. 21st Mortgage Corp has it listed on my credit reports that the manufactured home was Repossessed in XX/XX/2019. I have a photo/print out directly from the XXXX County Property Taxes website showing, along with a dated timestamp that the manufactured home was still on the property on XX/XX/2019. There has been various inaccurate information reported to my three credit reports- That's been on going for months. With XXXX it reports a higher balance due- The address & phone number does not match the contact information for 21st Mortgage Corp. from my XXXX XXXX XXXX  credit report. 21st Mortgage Corp. provides three different contact addresses to XXXX, XXXX, & XXXX. The ledger balances from my XXXX, XXXX, & XXXX  are all different. My last reported payment date reported and the ledgers from the three credit bureaus do not match. If months are looked at, it can be seen that every time I disputed the 21st Mortgage Corp account with XXXX, XXXX, and XXXX  it will show that the three bureaus, along with 21st Mortgage Corp just updated with more inaccurate information- Instead of removing the account from my reports.
Product: Mortgage

In XXXX of XXXX  we purchased a home with an FHA loan and a few years later we tried to modify the loan due to job loss and unable to pay. within a few years after that we tried to remodify due to car accident and was not able to due to company not being helpful with options. then when it came to a foreclosure we were able to sell our house out right but at the time of getting closing numbers and pay out numbers the company did not give us the right numbers and gave us different numbers the few times our lawyers asked for them therefore we had to come to the table with extra money. 
years later trying to get that record of late payments off of our credit the company would not remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

After deleting and reinstalling the app on my cell phone, I have been unable to login. Their web help required me to login so I got no help. I called the phone number I found on the web for them and it goes to voice mail with no rerun call. The letter I wrote them on XX/XX/XXXX, attached, to the address I found in online search came back unable to forward marked XX/XX/XXXX.
Product: Debt collection

AWA Collections is trying to collect a debt that i have no knowledge of. I sent AWA Collections a debt validation letter XX/XX/XXXX asking them for the following : proof that they are licensed to collect debt in the my state, Proof that they have legal right to collect this debt, meaning, they have the proper assignment of debt from the original creditor, a complete payment history, the requirement of which has been established by XXXX XXXX  XXXX, XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX, The agreement that bears the signature of the contract stating I'm the debtor agreeing to pay the creditor, XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ) - Information relating to the purchase of the debt, Provide me a breakdown of fees including how they calculated what they claim I owe. AWA Collections has yet to send me any of the items mentioned, yet on XX/XX/XXXX AWA Collections sent me what they say is a " Ledger History '' ( see attachment ). this is not sufficient validation. I do not owe this debt. This debt is deficient of physical verifiable validation. They are reporting this debt to all three credit bureaus which is hurting my reputation. If AWA Collections does not have this collection account removed from my all three of my credit reports i will file litigation against AWA for violation of the FDCPA, file compliant with the Attorney General of my state, and file compliant with the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed Inquires Date XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX C/o XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Chase Auto Receivables LLCXXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX Subject : Update Request for Discharged Debt ( Account Number : XXXX ) I hope this letter finds you well. As a securities transfer agent, I understand the importance of maintaining accurate records for discharged debts. I assure you of my commitment to provide any necessary documentation or information required for the proper handling of this transaction.

I am writing to inform you that the necessary documentation for the discharge of debt, specifically Form 1099C, has been submitted in accordance with the requirements outlined by the Internal Revenue Service ( IRS ). 

I kindly request that you take the necessary steps to update all records associated with the discharged debt indicated by the aforementioned 1099C form. This includes updating internal records and informing any relevant third-party credit bureaus about the discharged status of this debt. 

It is crucial for the accuracy of my financial records and credit profile that this information is promptly updated. I trust that Chase Auto Receivables LLC will ensure the proper handling of this matter. 

Should you require any further documentation or clarification regarding this request, please do not hesitate to contact me via email at XXXX. 

Thank you for your attention to this matter. Your prompt action in updating the records is greatly appreciated. 
Sincerely, XXXX XXXX
Product: Bank account or service

Having always used a small town bank, when my wife and I began traveling more, we decided to shop around for a bank with a national footprint. As Citibank credit card customers we looked into Citibank checking and signed up for a new Citigold account with a promotional offer of XXXX XXXX miles once we completed a few requirements. We fulfilled these requirements, and began using the account regularly. We enjoyed the online banking and mobile deposit options that our previous bank did not offer. On XXXX separate occasions I contacted Citibank via secure message in order to make sure that I had fulfilled the requirements for the promotional offer. On both occasions I was assured that I had done so and the miles would be posted at the end of XXXX or first of XXXX. When I did not receive the miles, I contacted Citibank, and they then informed we that I was not eligible for the offer and therefore would not be receiving the promotional miles. This appears to be shady business practice. I signed up with the promotional offer, and on XXXX separate occasions ( via secure message ) Citibank reps confirmed I would be receiving the miles. Now Citibank refuses to honor the promotional offer. This is poor business practice. If there was an issue with eligibility, this should have been brought to my attention at sign up or by the rep that confirmed my status back in XXXX. I have made multiple attempts to get these promotional miles credited to me, but they continue to refuse, inspite the fact that their own reps confirmed I would receive them.
Product: Debt collection

On XX/XX/2020 I received a notification from my credit monitoring company that I had a " New Account In Collections '' through a company called Berlin Wheeler Inc. I immediately called the company and spoke with a representative who informed me that I owed {$38.00} to XXXX XXXX and they were the collection agency who needed to collect the debt. I told them I had already paid my final bill and returned all the necessary equipment to XXXX and that XXXX told me I was paid in full. I then called XXXX  to verify this information. I spoke with both a customer service representative and a collections department representative from XXXX and they both verified that I did not owe them any money ( Call made on XX/XX/XXXX XXXX. I then called the collection agency back and told them what XXXX told me that I did not owe them any money and the collection was not valid. Berlin Wheeler stated that was not accurate and I still owed them money and they would not remove the collection from my credit report. I have also sent out a debt validation letter and am awaiting their response. I would like this collection removed from my credit report. I have attached the receipt showing that shows the equipment was returned to XXXX.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have 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 XXXX XXXX XXXX XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Transfer to XXXX XXXX for XXXX on XX/XX/29. He represented himself to be from Chime. 

Transfer to XXXX for XXXX on XX/XX/29. He represented himself from XXXX to assure me he could free my account that had been hacked. 

Transfer ti XXXX for XXXX on XX/XX/29 for the same reason as above concerning XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it blatantly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from your credit report, it has been over 45 days so it should be removed immediately. I demand these items be deleted immediately or I will file for litigation for the hardship these inaccuracies costed me. Also, my information was impacted by the XXXX Data Breach and may have got into the hands of the wrong person. 

The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

( XX/XX/year> ) - I attempted to conduct business with XXXX XXXX but they use LexisNexis to verify identity and were unable to do so because they informed me there is a security freeze in place that I need lifted. 

( XX/XX/year> ) - I attempted to remove the security freeze using the LexisNexis website which allows for this online ( XXXX XXXX XXXX XXXX XXXX XXXX ) but the request failed because it says I need to provide a security PIN. I was never issued any security PIN and had none to provide, so I followed the steps listed to request a security PIN, including uploading a copy of my photo ID and my social security card, and selected the option to request a PIN be mailed to my address. The website accepted the submission and told me a PIN would be arriving in the mail soon. 

( XX/XX/year> ) - After not receiving anything in the mail for two weeks, I contacted LexisNexis via their support phone number at XXXX to follow-up on the status of where my security PIN is. I was told I needed to open a case using their website because without an open case number, they can not assist me via telephone. 

( XX/XX/year> ) - I used the LexisNexis website support link XXXX XXXX XXXX XXXX XXXX XXXX to open case XXXX explaining that I requested my PIN and have not received it nor any other response from their agency in 14 days and wanted an update on my case. I immediately received an automated message that my request was received and I would hear back within 24-48 hours. 

( XX/XX/year> ) - I received a follow-up email from LexisNexis that XXXX not address my issue and seemed to be some sort of scripted template email which provided common answers to common questions and directed me back to the website which I originally used to request the PIN. 

( XX/XX/year> ) - I called the support phone number above this time providing the case number. I was kept on hold 43 minutes until I was able to speak with an agent who has difficulty understanding me because English was not their native language. The representative spent over five minutes asking me several personal questions to verify my identity saying that was required before they could address any aspect of my existing case. After verifying my identity, they told me they needed to place me on hold then ended the call. 

( XX/XX/year> ) - I mustered up the motivation to attempt to call back as I still have not received anything from LexisNexis. It was basically a repeat of the call from XX/XX/year> but with a shorter hold time. They require a lengthy process to verify identity before allowing any discussion of the case and upon identity verification, they say they have to put you on hold instead of addressing any reason why you called but they just hang up. At this point, I can not find any way to request resolution to my issue and am still unable to do business with XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

New and updated information. Equifax has not fixed the inaccuracies on my consumer report and continue to fraudulently act on my behalf ( see exhibit A ). I am in fact the consumer, acting on my own behalf without the help of any third party. Equifax continues to violate 15 USC 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They are also violating many more of my consumer rights. Please see the attached documents as it contains my full complaint.
Product: Mortgage

There was to be a foreclosure auction of my house by US Bank on XXXX XXXX 2016 @ XXXX at the Court House. No one showed up from US bank, the court clerk called the Atty of record for the bank at XXXX and was told that the auctioneer had just left and would be there in a hour, that there was going to be a auction. The XXXX clerk came out at XXXX to inform the bidders that the auction had been closed with no explanation. 
I have never been to a public auction that was closed and especially 11/2 hours after the advertised sale time. As the pborrower I tried to call the US Bank to find out more about the closure and got nothing.
Product: Debt collection

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am filing this complaint to dispute the accuracy of certain accounts currently listed on my credit report. After a thorough review, it has become apparent that there is insufficient information to verify the debts associated with the following accounts : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$6000.00}, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$62000.00}, and XXXX XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}. I emphasize my right to accurate credit reporting and request written confirmation of the investigation results along with actions taken to rectify this situation.
Product: Credit reporting or other personal consumer reports

Several of my loan accounts are marked as closed instead of paid off. Also, several accounts should be closed to the length of the debt. Also, my information was exposed in several data breaches
Product: Checking or savings account

on XX/XX/XXXX i want to log in my online banking to make a payment XXXX dollars, after i type my password three time, everything is correct but the bank said is in correct then log my account .it make me late payment that ; s not the first time after i type the password it said is in correct, happen for more than 4to 5 time and i try to contact the customer service IN XX/XX/XXXX i contact customer service i wait more than hour until i hang up still no one answer my phone? than on XXXX XXXXi try again i wait for almost 2 hours same thing until i hang up still no one answering my phone today i call again still no one answering my phone .what kind of customer service they provide.up to today my online account still can not use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a response and an additional complaint. To XXXX. 

My complaint mentions ONLY me not having access to my experian credit report for two years. That is again is unacceptable. I also was denied from many lenders for having ZERO credit. I was told they saw no information on my experian report. I applied for a home and was told the exact same thing. They could not get any information from experian report. 

In your reply you mentioned I am currently on a free membership. But failed to mention from your research, that it was due to me not having any updates for the first XXXX months of XXXX. I canceled my membership because no one would fix my profile to show me my score. I watched my score daily. I was very active in assuring my profile was correct. I have spoken to several people at your office, every department. NO one has ever offered to update my address. Back in XX/XX/XXXX I removed every address that was incorrect from my file with a representative on the phone And as you said in your reply, instead your company removed EVERY ADDRESS IN ERROR. NOT MY ERROR. 

I have asked for compensation and you have avoided accountability for the frustration you have caused these last XXXX years. I expect the money back for not having access to my file while paying a membership. And NOW I WANT PAYMENT FOR EACH DENIAL AND EACH PHONE CALL I WAS TOLD TO CALL A DIFFERENT DEPARTMENT CASUING ME TO GO IN CIRCLES. As well AS EACH LAW YOU HAVE BROKEN. 

I now have to dispute items with ( your company ) experian that have already been removed from other bureaus. 

I WILL SETTLE AND ACCEPT COMPENSATION OF {$20000.00} FOR BOTH YEARS OF ALL THE FRUSTRATION. IF YOU DO NOT COMPENSATE ME FOR YOUR ERRORS I WILL HAVE NO CHOICE BUT TO TAKE YOU TO COURT. 

I have recorded phone calls. And all pictures and denials.