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

I have asked yall for help before to know avail. I am a XXXX XXXX man on SS. I went to XXXX and they had a credit builder program. I signed up. Its a savings program where you pay yourself into a holding account. At the end you get XXXX. Sounds great. 

My truck XXXX XXXX. It is very hard on SS to get it fixed. i have tried to get a part time job to no avail. NO XXXX. I would have to wait for my next payment to come in to buy parts. It took me 2 months. So I get tagged for missing a payment. I knew I wouldnt be able to carry on and needed to cancel my membership. 

I contacted XXXX and told them the situation. They said you have equity so we need XXXX ( that number changed depending on who you talked to ) and we will close you out. But FIRST you have to make up the missed payment. I said thats the whole issue. My finances have changed drastically. I cant afford this. And a missed payment is me paying me into a holding account. Youre reporting a savings account. 

Since then, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Since requesting XXXX to close me out my truck has been on the blink. My repair after 2 months only created more issues. You cant work part time without a way to get there. Even today the hood is up. I have had a rough financial time. I dont know why I cant cancel a saving account. 

Since then, to cut back and get parts XXXX XXXX XXXX XXXX XXXX XXXX for 3 days. I was XXXX XXXX XXXX. XXXX XXXX XXXX Had a moment of clarity long enough to call an ambulance. XXXX wrote me about the complaint. I have told them all this. I CANT PAY. They said tough we are going to report XXXX missed payments to the Credit Agencies. So lets kick the old man on SS who is having a rough time and XXXX HIM. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My dog went hungry during those 4 days. The driver taking me home stopped at a grocery store so I could buy dog food. 

I have no reason to believe CFPB will do anything about this. So the last two complaints have been closed. I never even was notified and told by your staff I cant appeal. She said fill out another complaint. OMG. 3rd try. 

So Consumer Financial Protection Board will kick this down the road. Join with XXXX in suppressing me. By reporting me missing a payment into A SAVINGS ACCOUNT. 

I have contacted a debt agency to help me with my debt. Theyre ready. I cant raise the payments. Do you think good credit might help me in my old age? 

Im copying XXXX XXXX on this. She created this agency and has a stake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a human being name XXXX XXXX XXXX I received documentation that XXXX XXXX XXXX Docket # XXXX was VERIFIED AS ACCURATE. I have an attachment listed below that came from that CFPB Complaint that file. I Received a DELETIONS Letter from XXXX XXXX On XX/XX/2022. XXXX XXXX Remove BANKRUPCTY From there consumer report. I also have a Bankruptcy letter stating the information EXPERIAN received on this bankruptcy was pulled from XXXX XXXX. I need this account removed from my credit report IMMEDIALTY. Also, Below I will have the LAWS indicating all the VIOLATIONS towards this Account. 


Docket # XXXX XXXX XXXX XXXX  Bankruptcy court dont report to the credit bureau XXXX PERMANENTLY DELETION 15 U.S.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of purpose
Product: Credit reporting or other personal consumer reports

The following accounts ; XXXX XXXX  XXXX, XXXX XXXX XXXX, EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX are hindering me from getting a new car and a mortgage for a house because my credit report has compromised. The above accounts and inquiries are fraudulent and I want those accounts removed from my report.
Product: Checking or savings account

On XX/XX/20 I deposited a check from a settlement through the drive up window with a teller. Before the check was deposited I was advised that a hold had to be placed on it until XX/XX/20 and this date is also on my deposit slip in which I was fine with because I feel like it was protocol. I have now received an email stating that the hold is until the XX/XX/20 in which I did not agree too and none of my funds are being made available in the mean time
Product: Checking or savings account

Good Afternoon, My name is XXXX XXXX. I have a business checking account with BB & T. I opened the account online, was approved and transactions have occurred since the beginning of this year. 
2 weeks ago a person in NC made a claim to BBT that they are an owner in my XXXX. Because of this the bank has blocked my activity and access to the account. BBT for the last 2 weeks has not had a representative contact me personally to explain the situation or provide a time frame for a remedy. 
The other individual 's attorney has had 2 weeks to provide documentation of proof of llc ownership and has not. 
BBT will not provide me with a time frame for how long the other side can block my account.

BBT has failed to provide any sort of customer service or involved action to provide me with details, remedy or timeframe for resolution. 
Bills need to be paid and we are 2 weeks behind at this point. 

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

My wife and I have been in the process of getting a home loan. We were told that I'm not showing enough credit due to no credit card showing on the credit score disclosure. When I check myself, I am seeing that I can not get a credit score. I do have a credit card with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX, AL. Out of the XXXX different credit bureaus, the only one showing that I have an open credit card account is the TransUnion company. However, it's still not giving me a credit score. I called my bank to see if they are reporting to all credit bureaus and was told that they were. I feel there must be some sort of error in the system that no one is catching. I was told over XXXX years ago that this was a problem and I just assumed it was because of the pandemic and I wasn't spending a lot of money. However, to be told this again, I know there is something wrong with my credit being reported from this bank. I've had this credit card XXXX years and the fact that its not reporting to all the credit bureau is concerning to me.
Product: Checking or savings account

My direct deposits go to my capitol one account. My check was to be posted on my account for available us XX/XX/year>. It is not XX/XX/year> at XXXX in the XXXX  on a friday and capitol one has still failed to allow me access to my money. I have bills that are due and will accrue late fees that i should not be responsible for. Not including my mortgage. Please help. I have opened a new bank account with a different back and will have my direct deposits moved over once this is resolved. I will never bank with capitol one again. Their communication on this issue is extremely poor and they do not have a sense of urgency.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX FCRA violations and and reports are listed in the I have had no knowledge of the creditors names obtaining any business with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX its states it an sold account but it does not list the original creditors name it shows no account history such as balance payment history it reflects as closed to my knowledge I have never had an account with this creditor XXXXXXXX XXXX XXXX opened XX/XX/XXXX its states it an sold account but it does not list the original creditors name it shows no account history such as to balance payment history it reflects as closed to my know I have never had an account with this creditor XXXX  XX/XX/XXXX showing on my report Closed paid never late I never processed a payment with this company nor have I had a account with them or obtained any goods or service payment history on this account is not consistent in which I find very odd All of these accounts are fraudulent to my knowledge I have never asked for any line of credit with any of the listed names above they dont list the original creditor with two account and no payment history which is incomplete and inaccurate violations of 15 usc 1681 ai for improper use of my personal information TransUnion and XXXX have inquiries that are listed that I have not given the creditor permission to open a copy of my credit report
Product: Debt collection

Another debt collector was harassing me over this debt which I do not owe prior and I reported it to your office and the IL Attorney General and told them to CEASE and DESIST!! They responded that they would stop contacting me but that did not mean the company would not sell it to another collector who would then contact me. I want these crooks to CEASE AND DESIST or I will file a harassment and restraining order against them and sue them for all I can get, in fact I am contacting my lawyer now!!!!! I am a State employee and they are harassing me!!!! Make it STOP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX 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: Mortgage

I asked about the available rate for an equity loan of {$50000.00} ( they initially offered over {$100000.00} ) ; and XXXX XXXX refused to answer. She refused to transfer me to someone who could. She hung up on me after being unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent in a dispute letter to Experian. On on XX/XX/2020 at XXXX XXXX. in XXXX, TX sign by an individual name XXXX. I waited a whole month and never received a response. On XX/XX/XXXX i sent in a non response letter to Experian and on XX/XX/2020 at XXXX XXXX and individual signed off on the certified letter I sent in. I called Experian on numerous occasions to ask did they receive a letter and on both occasions they denied they received the letter even though i have proof of receipt. On XX/XX/XXXX I sent in another dispute letter sent certified mail and it was delivered on XX/XX/2020 at XXXX XXXX. Once again I received no response. On XX/XX/XXXX i filed a complaint to the CFPB and on XX/XX/XXXX i received a response from Experian saying my complaint was fictitious and they feel that I didnt file this complaint and i was told I should send in another complaint to their company even though thats what I was doing in the first place. Since XX/XX/XXXX experian has been engaged in numerous stall tactics and for this company to label my numerous complaints as fictitious is appalling and disturbing at most. Even though I supplied numerous of signed certified letters, signed by an experian representative i still got a response that my complaint was not summited by me. Because of this experian has caused a significant amount of stress due to incorrect information being reported on my credit report. I cant use my VA Loan or get any type of new credit due to this unfortunate situation. For experian to continue on with their stall tactics shows they have no respect for the law or dont care to even investigate the issue levied against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed accounts on my credit report that are the results from identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

So I have tried and tried and done so year after year. I did not sign or even apply for a Federal Student Loan. I still think the School that I so called attended had something to do with this by taking advantage of me I feel the school Falsely certified my eligibility to receive the loan based on my ability to benefit from its training, I also feel the school signed my name on the application or promissory note without my authorization, or the school endorsed my loan check or signed your authorization for electronic funds transfer without your knowledge. 

After finding out I was an apparent student I withdraw from school after learning a so called loan had been opened in my name, I also think the school should be required to return part or all of this loan money.
Product: Checking or savings account

On XX/XX/2022 I initiated 5 disputes that included mulitple unauthized transactions. On XX/XX/2022 I received multiple emails stating no error was found and my disputes were closed. On XX/XX/2022 I contacted Chime customer services and was advised documents would be sent to me. I also provided a police report for my rebuttal to the disputes that were denied. On XX/XX/2022 I received another email advising me that my rebuttal was denied and Chimes decision still stood since I did not provide any additional information which I did. On XX/XX/2022 I again contacted Chime customer service regarding my disputes and was advised to send the police report in again via email and the rebuttal request. On XX/XX/2022 I received an email stating the decision was the same with my error found. I again contacted Chime customer service and was advised I should have received the documents regarding the investigation decision and since I didnt they will put in a request and I should receive them within 10 days. I spoke to a supervisor XXXX that advised me that I would have to wait 10 days for the documents regarding their decision. I was also told by XXXX that I would have to provide additional information in order for my investigations to be reopened. I have provided what I have as well as filed a police report which I am not required to do but the bank requested me to.
Product: Credit card

There is a account that my mortgage loan officer found while im in the process of getting a mortgage with the creditor name Kays Jewelers that show it was opened in XXXX and its a bad debt placed for collection with the last four of the account number showing as XXXX. I 've contacted this company on numerous of occasions to tell them about this fraudulent account and was willing to send a copy of my fraud affividat and police report because i 've never had or opened a kays account and I demand this company remove this account from national credit reporting agencies and my liabilty from this account within of 5 business days of recieveing this notice. The company has ignored my correspondence regarding this issue and if they do n't remove my liability and this account from my credit reports I 'm going to file a lawsuit in the court of law on the 6th buisness day along side my lawyer for puntative damges and emotional stress in the amount of XXXX dollars if they dont get this issue resolve. Identity theft have taken control a big part of my life and i 'm not just getting things in order and I wo n't let this happen anymore.
Product: Credit card or prepaid card

I made a purchase on XXXX, but did not receive the item. XXXX told me to work with my credit company ( Citi Bank ) to get the refund. But Citi was asking me for the proof of cancellation or return. I can not provide none of those evidence because the purchase was never canceled or returned, I have never receive the item at all. I talked to shipping company ( XXXX ) regarding the package, they told me that package is considered as LOST in their system and a refund is issued back to shipper. Citi Bank still refuse to give me a refund ...
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. 
Account name : XXXXXXXX XXXX XXXX  Account number XXXX, Account name : XXXX  XXXX Account number XXXX, Account name : JPMCB CARD Account number 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: 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 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 that a consumer reporting agency can not furnish an 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 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 that person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My credit report shows a collection from your agency. I was never notified of this collection. What's more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT. I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your license, including license number.

Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.
Product: Debt collection

The account in questioned was owned by my mother, XXXX XXXX, who passed XX/XX/XXXX. The account is held by Portfolio Recovery Associates. XXXX XXXX XXXX XXXX ( XXXX ) The amount on record is {$6000.00} My mother made me an authorized user on the account, because she was legally XXXX. I was the Power of Attorney. 

I submitted a letter to Portfolio Recovery Associates in XX/XX/XXXX to remove this account off their records and from my Credit Report. I never got a response from their office. 

The account has me listed as Joint owner. I am not a joint owner on this account. 

I requested documents from Portfolio Recovery Associated, to show my signature and the date the agreement was executed. I am waiting for a response. 

The records will reflect that there has not been any activity on the card in question after my mother passed ( XXXX ) in XXXX. 

Again, I was an authorized user, not joint signer on this card.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 someone used my identity to open a XXXX account. I immediately contacted XXXX and filed a fraud report. XXXX closed the account but the hard inquiry is still on my Equifax report even after XXXX reported it as fraud.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated this account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account : XX/XX/XXXXXXXX