23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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: Debt collection

This company is reporting a debt that is not mine to the 3 collection bureaus.
Product: Debt collection

U.S. Bank, XXXX XXXX is the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  has closed an alleged, account in a prior complaint through this CFPB platform for false representation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has refused to answer any affidavits that have refuted debts. Account number XXXX was the account in question and was closed by XXXX as the adminstrator of the account. Notice was sent to the credit bureau 's. US Bank XXXX, needs to confrim that the company that they are acting as trustees XXXX XXXXs reporting information correctly. I appears that XXXX is acting as an agency of XXXX XXXX XXXX in a vendor capacity. Mail being sent from XXXX XXXX XXXX, XXXX, XXXX XXXX is sent from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. All the correspondance is under the guise that it is an action of XXXX of New York requesting payment on debts when it is actually XXXX send recieving and conducting business under contract. When this matter was directed to the entire XXXX of Directors for XXXX via email communication, non response was the response. This simply is mail fraud. I have refused mail from the sender and have also sent letters to a lawyer that claimed PoA over my estate without my knowledge or consent. This means that XXXX as a vendor is acting in private equity for the XXXX of XXXX XXXX to engage programs to require the XXXX to enter a treaty. Filed below is a list of XXXX filings that show the check kiting scheme. XXXXXXXX XXXX XXXX XXXX appears finding transmitting utility as a XXXX foreign trust.
Product: Bank account or service

In XXXX, I received a mailer from CitiBank to open up a Citigold Checking account with a promotional offer of receiving XXXX XXXX XXXX XXXX miles upon completion of their requirements. I signed up for the account using the mailer. On XXXX/XXXX/XXXX, Citibank confirmed via secure message that the promotion was attached to my account. On XXXX/XXXX/XXXX, Citibank confirmed via secure message that I completed all of the requirements, and would be receiving my miles within 60 days. After multiple follow ups via chat and telephone, and investigations being opened by Citi, I have received no response, and no miles. I have also been charged {$30.00} per month for this account that they have seemingly baited/switched me to sign up for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to equifax on XX/XX/XXXX and not even a day later they are claiming the reinvestigate my issue. I submiited paperwork to them back in XX/XX/XXXX that I was a victim of idenity theft. The below inquiries as well as accounts should have been removed as I did not apply for any of the loans or accounts. 
XXXX XXXX Bank Card Service XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   CT, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXL, P.O BOX XXXX, XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXXL/XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Allowing reporting of a collection account from XXXX XXXX in violation of the FCRA that requires a time limit of 7yrs for a negative account reporting as well as the accuracy of the information of the account being reported
Product: Credit card

In XXXX I was going to use my card and it was declined so I called Customer Service and they informed me there were suspicious transactions so they placed a hold on my account, which I appreciated greatly. They went through my recent transactions with me over the phone and I identified XXXX purchases that were not mine. They canceled my card and informed me that it would take 90 days for the fraud investigation to be conducted and the unauthorized purchases would remain on my account until after investigation. I asked if I could do anything to assist and they said they would contact me if they had any questions. I received my new card and new account number shortly after and then called again in XXXX XXXX to check the status. The representative said it was never filed yet she knew exactly which transactions were in question. So-they had the information, sent a new card, and never sent it to the fraud department??? The representative was unable to tell me what happened, she just kept apologizing and said it 'd take 90 days from that day. I called again in XXXX to make sure investigation was happening and the representative said that it was in the fraud department. I also requested a copy of my XXXX XXXX, XXXX XXXX, and XXXX XXXX statements since online banking does n't allow the consumer to view transactions further back. I still have not heard anything about the investigation and have not received those requested statements and it is now almost XXXX. The whole time over {$900.00} in unauthorized charges have been on my account, accruing interest fees and I still have no information from them. This is unacceptable.
Product: Checking or savings account

On XX/XX/23 I made a deposit with TD Bank at XXXX XXXX XXXX XXXX XXXX, NJ XXXX in the amount of {$4000.00} given to me by my father. I have not been able to access the money due to XXXX separate holds on this check for no stated reason. Despite providing the necessary paperwork requested to approve this check, I have consistently denies access to my money as fees build up. I have reached out to the bank and spoke with a XXXX XXXX, who was unhelpful, laughed at me over the phone and has since not returned by call after informing me he would speak with his manager. The second person I spoke with at the bank, a woman named XXXX was more helpful and despite her her attempts was unable on her end to help release funds. 

Ive done business with this bank for more than 3 years and have never had an issue before. I am unable to access this money and have since had my accounts that take payment from this account return. This bank and this XXXX transaction have been detrimental. All I am asking for is a release of my money so that I may close this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Product: Checking or savings account

I have discovered recently that in 4 days the Chime dispute department has received my dispute, contacted the merchant, received an answer from the merchant, compiled evidence and reached a conclusion all in 4 whole days! I attempted to withdraw {$1000.00} from an ATM and only received {$40.00} and have been trying to recover the additional {$960.00} from Chime. I contacted the .merchant and was told they never received a dispute however I have to go through the financial institution to have it looked into and fixed.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Information ( Account # XXXX / XXXX ) To Whom It May Concern, I am writing to formally dispute the inaccurate and inconsistent information being reported on my credit file regarding the above-referenced account with XXXX XXXX. The details across TransUnion and Equifax reports are inconsistent and incorrect. Please consider this letter as a formal request to investigate, validate, and correct the following inaccuracies : Disputed Items : Equifax : The payment history inaccurately reflects late payments, including XXXX late ( XXXX XXXX ), XXXX late ( XXXX XXXX ), and XXXX late ( XXXX XXXX ) over the past XXXX years. 

The status " At least XXXX XXXX or more than XXXX payments past due '' is incorrect as the account was paid as agreed. 

I request immediate correction or removal of inaccurate late payment history and proper reporting of the account 's paid status. 

TransUnion : The payment history inaccurately reflects late payments, including XXXX late ( XXXX XXXX ), XXXX late ( XXXX XXXX ), and XXXX late ( XXXX XXXX ). 

The account is marked as " Paid or paying as agreed, '' but the late payment history contradicts this status. 

I request a full investigation and the removal of all inaccurate late payment notations. 

Requested Actions : Provide me with written validation from the original creditor for the reporting details. 

Correct any inaccurate information or delete unverifiable data from my credit file. 

Update the status across all credit bureaus to ensure consistency. 

Send me written confirmation once the investigation has been completed.
Product: Checking or savings account

I am trying to link my account through PNC to the XXXX  app and I have been unable to do so multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

a little before XXXX I was buying a ring for my fiance to get marred on XX/XX/XXXX, I was supposed to receive ring on XX/XX/XXXX, but my mom told me she didn't receive anything at her address at all and I shipped the ring to her address. They also told me that my ring was shipped to a store when I didn't get it shipped to a store at all. During this time, I was out of town with my fiance showing her time before I proposed to her, but I couldn't cause I didn't have the ring I wanted for her. I had to buy a whole norther ring for her and they trying to charge me with something I didn't get. I'm not paying for nothing I didn't receive at all. They are absolutely wrong for that, and they still want me to pay. I paid some payments off when the ring was shipping that's why there are payments, and the rest are payments I didn't pay because I didn't receive the ring at all!!!. I ALSO EMAILED THEM AND THEY DIDNT CARE
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not reporting accounts accurately. I have contacted them about my XXXX XXXX credit account ending in XXXX with XXXX XXXX  & XXXX XXXX account ending XXXX also with XXXX XXXX  several times to have them added to my report & updated properly. I have contacted the company & they stated that they are sending monthly updates to Equifax but they are refusing to update the information.
Product: Credit card or prepaid card

On numerous occasions, I have notified XXXX XXXX Card about the fraudulent charges on my XXXX XXXX card from which were charged in the months of XXXX ( 2017 ) and XXXX ( 2017 ) for  {$44.00}, {$44.00}, {$4.00} and {$5.00} by the following company and its affiliates : XXXX and XXXX. The employees of XXXX XXXX XXXX XXXX XXXX XXXX had and continue to have complete knowledge of these concerns however continue to fail to take any type of corrective action on this matter for almost 3 months. Today, I still have not seen these amounts credited to my account. After I reported the fraudulent activity, XXXX and its employee issued me a new credit card which I have not been able too use since XXXX ( 2017 ).  Today, I called customer service to speak to a Supervisor and my call was disconnected by the representative. This is the second time my call has been disconnected which make me believe it was done with intention to avoid resolving my ongoing issues. 

In addition, I continue to be charged a check return fee of {$38.00} for auto pay that I canceled months ago however XXXX continues to make attempts to debit my checking account also costing me " NSF '' fees from my bank. I contacted its employees of this and still have not disabled the " autopay '' on my account. I went online to manage the option and I keep receiving an error message. Again called about this, nothing has been done. I 've exhausted my efforts as a consumer and have not choice but to file a civil lawsuit. I will retain an attorney if this is not resolved I have threatened its employees I 've spoken to about a lawsuit and they have ignored it by not taking corrective remedies. 

In addition, I was notified by XXXX XXXX and all three credit bureaus that my account with XXXX has been closed which has caused a negative impact on my credit score. I, again, called today to discuss the status of my account and according to the employee, it was current and open. However asked for a supervisor and call was disconnected, again.
Product: Credit card

I have a XXXX XXXX from Synchrony Bank. When you spend money at XXXX, the card benefits you by giving you 4 % back in XXXX XXXX, which you can then apply to your XXXX XXXX bill. I have been using the card since XX/XX/XXXX and only put my XXXX XXXX charges on this card. I have never received any XXXX Dollars, which is stated as a benefit of this card. I spent an hour with XXXX XXXX, and they sent me to XXXX in XXXX. The associate told me there was an error, and they fixed it. It is not XX/XX/XXXX, and I still do not have XXXX Dollars. I contacted Synchrony Bank again and was told that " their system is down. '' I am filing a complaint because I would like these XXXX Dollars, as advertised as a benefit of the card membership ; I have contacted now XXXX different times ( XXXX and twice Synchrony ) and have had XXXX resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX, Amount {$3500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$3300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX , AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Debt of EDXXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$5800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX  XX/XX/XXXX, Amount {$6300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Product: Credit reporting

My credit was used for someone in a country where I do not live to obtain a cell phone and service contract. I received an email today welcoming me to XXXX which prompted me to contact the company with the phone number, account number and billing date to find out why I received the email. After three phone calls, XXXX service reps and about 2.5 hours of waiting and talking, I learned someone walked into a XXXX store and opened an account using my maiden name. The company claims that XXXX forms of identification, matching signature and a credit check are required to open an account. One agent claimed the account must be opened in person, while one said the account could be opened over the phone and no one could confirm how the account was actually opened. I am awaiting a return call from the fraud dispute center at XXXX within the next two days, but in the meantime the rep stated they would not provide any further information to me regarding the account because I could not pass the security identification for access to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX and XXXX of XXXX my Bank, Wells Fargo, failed to make monthly payments of {$500.00} per month to my credit card company XXXX XXXX, whom I had a 30-year relationship with and a Platinum Card. Wells Fargo did so in error, and did not notify me. It wasn't until XXXX cancelled my account and filed credit deficient reports on my credit that I was made aware. I asked Wells Fargo to repair the problem, but all they offered was the attached letter of apology. Since then, On XX/XX/XXXX, XXXX XXXX filed a lawsuit against me for the balance of {$9800.00}, but more importantly, completely ruined my credited. I lost my job and was unable to recover the XXXX account as the penalty interest multiplied. ( On top of this, Wells Fargo opened new accounts in my children 's names without my permission, further devaluing my credit, but this was already handled ). If I do not pay XXXX XXXX at {$3800.00} by XX/XX/XXXX, I will have a judgement lien filed against me, my credit permanently damaged and possibly lose my home.
Product: Money transfer, virtual currency, or money service

I was a trustee at PNC bank an had business with this company, the location of this was XXXX XXXX, I have loss my power of doing business with this bank, I came to the bank an spoke to one of the clerk there an waiting for response from the bank clerk, the banker want my, ( SSN ) social security number, I had went down the block already why I told the teller about problem in business I had, my private info I have to e-mail to the teller.Correct address to bank is, XXXX XXXX XXXX, XXXX, KY XXXX.Seeking a support system have police report at XXXX metro police department , an have asked for other report that have been denied by these officer trying to talk to XXXX integrity unit around XXXX, an the officials there, this is ask the expert, I have open other bank to this is the more reason encounter of where is my account.

Thank You, XXXX XXXX
Product: Mortgage

Caliber Home Loans has persisted in concealing an agreement they made with XXXX when they sold the loan to Caliber in XXXX 2014. The agreement was for Caliber to address errors in our account committed by XXXX. Caliber has also continued to make mistakes when attempting to address our concerns. They are outlined in the documents attached but include : failure to appoint a Single Point of Contact for over 5 months after assuming servicing of the loan, the SPOC ( XXXX XXXX ) refused to complete research on our account to address errors, Caliber continues to remove an unsubstantiated claim of {$3500.00} of deferred interest applied to our account by XXXX, and most egregious Caliber sent us letters with the addresses and account numbers for XXXX different homeowners. Additional information is attached.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Request Regarding Unauthorized Credit Inquiries Dear EXPERIAN I am writing to formally request that you cease and desist from conducting any further inquiries on my credit report without my explicit authorization. My name is XXXX XXXX, and my Social Security Number is # XXXX. Upon reviewing my recent credit report, I have identified the following unauthorized or questionable inquiries : Inquiry Date : XX/XX/year> Inquiring Party : XXXX XXXX XXXX XXXX XXXX These inquiries were made without my permission and are affecting my credit score and overall financial profile. I request that you take the following actions immediately
Product: Credit reporting or other personal consumer reports

RECENTLY . I DID AN INVESTIGATION ON MY CREDIT REPORT AND  FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT 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 .
 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT IMMEDIATELY 

1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Our Client has applied for modification to save her home from foreclosure on her own and then again with us,   XXXX   XXXX   XXXX   XXXX   She signed on with us for help on   XXXX  . Prior to our help she was offered a repayment plan for 13 months with monthly payments being {$580.00} with a large balloon payment on the   XXXX    month of about {$10000.00}. We reapplied and was given the same plan. Modification was denied due to not meeting investor guidelines. A foreclosure sale date has been se t for  XX/XX/XXXX . This repay ment plan is far outside the affordability of our client due to the strict limited income she lives on. The loan originated on XX/XX/XXXX and matures on  XX/XX/XXXX  with prior monthly payments of   XXXX  . This she can afford.
Her income is only about {$800.00} per month from SSI and limited food stamp assistance. We are hoping that something can be done to stretch this loan out further in order to keep her payments around what they were when it was affordable. She is an elderly woman with medical issues that are ongoing. She fell behind due to these medical issues and would like to get things back on track, because her situation limits her ability to relocate and affordable housing is limited.
We have tried to work this out with the Lender, though they do not want to budge on this.
Please help us find a reasonable resolution.