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

Attached is a credit report as of XX/XX/XXXX. Experian claims that XXXX XXXX account is no longer affecting my credit score and this is not the truth. On XX/XX/XXXX there was a negative hit on my account on XXXX  XXXX  after no activity on this account for over 7 years. This account should have been removed and no longer aloud to affect my credit. This account went delinquent in XX/XX/XXXX and was charged off in early XXXX which can be viewed on the credit report attached. After over 7 years of no activity the same account can be seen charged off again in XX/XX/XXXX after no activity for years. This did not make any sense and has still not been explained by Experian. This update and negative charge off in XX/XX/XXXX affected my score and experian is reporting that I have had a late payment on this closed account in the last year. If an account has been closed for years how can I have made a late payment in XX/XX/XXXX? I have not made any late payments in over 7 years, but experian is reporting my credit file with late payments in XX/XX/XXXX. This has not been explained to me and this has affected me greatly during this pandemic.
Product: Debt or credit management

on XX/XX/year> I did a settlement to pay & delete with a payment of {$160.00}
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On 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 am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

They are just going back and forth in letter correspondence denying the loan modification saying that the Net Present Value to the investor isn't enough based on the value. And when I ask for clarification and send proof of other liens against the property that should count against the totals they are not explaining why it doesn't make sense or doesn't work that way. Then they say to reach out to mortgage relief programs that are already closed to new applications. So it's very frustrating to have been misled into a situation to get help with forbearance only now to make the situation worse with no hope in sight for a resolution.
Product: Debt collection

Portfolio Recovery Associates LLC have repeatedly called me at various times throughout the day from various phone numbers interrupting my carrer and my personal time. I have asked them multiple times to remove me from their call list. They keep calling me and asking for me by name. I have NO outstanding debt except for my mortgage, which is automatically paid each month and has never been late.
Product: Checking or savings account

On Friday XX/XX/2020 I electronically deposited my payroll check of {$540.00} and a birthday check of {$30.00} through my Chase bank app. Both checks were then voided, I got approval for the funds. On XX/XX/2020 I received an alert from chase showing a withdrawal for {$540.00} under Memo. In a panic I called chase to see what it was. After hours of waiting I was Informed that my payroll check had been deposited twice. Not knowing what they were talking about I asked how that was possible only to be told it had been reviewed. The Chase representative said that the second depositor had rights to my money and there was nothing that could be done. I was dumbfounded by what he said. After getting no help I went to my parents who are my employer. They wrote my check as they do every week. We went to their bank XXXX XX/XX/XXXX to investigate. XXXX pulled up their account history and the check history. My check cleared one time on XX/XX/2020 and they printed out the check image showing ( for deposit only JPMC ) endorsed by myself. There was no other history or documentation of the check being deposited twice or ran twice. The branch manager then got on the phone with me to call Chase. We were on the phone for six hours, only to be told that I had to go to a chase branch to get any information. The following day I went to my chase brach. A representative and the manager provided me with the exact same picture that XXXX provided me with. It said clear as day ( for deposit only JPMC ) endorsed to me. The chase branch had no record of what the representatives on the Chase line said about a second deposit. I gave chase everything that XXXX gave me. A copy of my parents account showing the check clearing on XX/XX/2020. A copy of both checks that I had in hand with me. A signed copy of the check being cleared to me by XXXX. Multiple fraud reports were filed. 
Not once during their investigation was I contacted or informed about anything. The money was taken from my account with out warning. I have lost multiple days at work doing Chases job. The last communication Ive had with the Chase branch, they filed a report with their escalations department. The representative with the escalation department closed my case without talking to me stating in a email it was resolved. My case with Chase is not resolved, I still have not received any evidence or documentation of their findings. Im going to fight this until my money is returned to me. 
I have all of the pictures and would be happy to send them when contacted.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I ran a 3 Bureau report with Experian. I immediately noticed my XXXX score dropped XXXX points ( from XXXX to XXXX ). Upon further research I realized my payment history status changed from " very good '' to " good ''. I immediately went directly to XXXX 's website and ran my report confirming I have no late accounts showing up on my report through them. I went back to Experian.com and filed an inquiry asking for it to be checked out. The immediate response I received was we're reporting information which is provided directly through XXXX. So I called Experian a total of 3 times in 1 day being given the runaround. Finally via email I am told I need to review my reports from XX/XX/24 and compare to the ones received on XX/XX/24. After digging further I realized Experian is reporting a XXXX XXXX XXXX account that was removed from my XXXX report well over 2 years ago. At first the reaction I received was to email them a pdf copy of my XXXX report to prove the account they're reporting is not showing up on my XXXX report. I emailed my XXXX report to XXXX a total of 3 times and my XXXX report provided through Experian is still not corrected. I've already confirmed with XXXX the XXXX XXXX XXXX account is no longer on my report and they confirmed they can not send me anything regarding the XXXX XXXX account because it has been officially removed from my report so they have nothing to send me. XXXX is sending me a copy of my report to confirm the XXXX XXXX account is not on my report except I have online access to my report directly through them and I can see the XXXXXXXX XXXX account is not on my report. Finally after I wanted to say my XXXX phone call to Experian support I spent over an hour on the phone getting transferred from department to department because noone wanted to help me I talked to someone who claimed after talking to his peers they all agreed it is a glitch in Experian 's system. Yet I ran another report today and the XXXX XXXX account is still having a negative affect on my XXXX score on Experian.com. I was even transferred and yelled @ by the disputes department because they said they can only dispute items that are on my Experian report. However, I have access to my XXXX report through myfico.com in addition to other credit monitoring platforms I can clearly see Experian is the only agency reporting this defunct account. I need this corrected. I've been trying to have this corrected via phone and email for 2 weeks and I'm having no luck.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/year> - BALANCE {$200000.00}
Product: Credit card or prepaid card

I applied for a credit card with capital one, and received a denial not because of derogatory information, but because they could not reach me to resolve a reporting error to proceed with the application. Nobody ever attempted to contact me, and I wrote a letter on XX/XX/18 requesting to be contacted and have them complete the application to approve the credit, but have never received any correspondence back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing careful research reading the FCRA laws XXXX, XXXX, and Experian are in violation. Every debt that is listed in bankruptcy that shows on the credit report should say : XXXX ( XXXX ) balance XXXX in bankruptcy. That is the only designation that can appear on what is called the trade line for that particular debt. Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX in bankruptcy. It appears that the " ACCOUNT STATUS '' on each of the trade lines shows : " DEROGATORY ', which violates the requirements of the FCRA. Also, the REMARKS section states " Dispute resolved ; reported by grantor '' which need to be removed for I did not authorize this comment on my credit report. I have prepared a letter to send to each of the corporate offices for the CEO 's of each  credit reporting agencies in preparation to start a lawsuit. No one should have go through this continued craziness! Please do not send me a pre-made generated letter stating you verified! This is my final attempt!!!!!!
Product: Mortgage

My fiance and I are in the process of closing on a XXXX bedroom XXXX in XXXX, NY. After doing our research, we chose Citibank due to the closing cost assistance program they offer to first-time home buyers. Since starting the process in XXXX ( 6 months ago ) we have received very poor customer service. Our first representative ( we are currently working with a 3rd set of representatives ) would n't email us in a timely matter, sometimes going weeks at a time without a reply. Since we needed to submit an application to the XXXX board for approval, his delay caused us to miss our first XXXX deadline, potentially having us loose the bid on the property. Since XXXX, we have had multiple errors on our file including address, identifying information, misspelled names, etc. We are now having trouble receiving information regarding our mortgage lock, interest rates and a date to close.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the XXXX XXXX XXXX for reporting an account that was my ex-wife 's responsibility following our divorce. Despite the clear division of financial responsibilities outlined in our divorce decree, the account in question has been incorrectly associated with me, leading to adverse effects on my credit report. 

Issue : The XXXX XXXX XXXX has inaccurately reported an account on my credit report that was solely my ex-wife 's responsibility as per our divorce decree. This erroneous reporting has resulted in unwarranted damage to my credit score and financial well-being. 

Specific Complaints : Misreporting of Account Responsibility : Despite the legal documentation clearly outlining the division of financial responsibilities post-divorce, the XXXX XXXX XXXX has failed to accurately report the ownership of the account, leading to unjust repercussions for me. 
Failure to Rectify Error : Despite providing evidence of the account 's ownership and the details of our divorce decree, the XXXX XXXX XXXX has not taken the necessary steps to rectify this error, causing ongoing distress and financial hardship.
Product: Checking or savings account

In the XXXX, my employer opened a retirement account for me at TIAA ( https : //www.tiaa.org/public/index.html ) -- I was in my XXXX,  left that employer after three years, and mostly forgot about the account. 

A few weeks ago I decided to look into it and learned that I could have started withdrawing funds seven years ago. The total had grown substantially, and I started sending TIAA emails and making phone calls, having read online that the organization can be a challenge to deal with. TIAA representatives told me that I could only withdraw a portion of the funds now, with the remainder paid out as an annuity over the next decade. I agreed to that, and gave them my bank account info so that they could do a direct deposit. 

And then, an insurmountable obstacle : they need my husband to sign a notarized waiver agreeing to the deposit. I explained that we were under a Shelter in Place order, that our bank account is in both names, and that California is a community property state. To no avail. I was told I had 30 days to get my husband 's statement notarized. Obviously, that is not going to happen within their timeframe. 

I understand their reluctance to give me my money, but it is hugely frustrating to be in this situation with no recourse. I value any guidance you can give me.
Product: Checking or savings account

Date XX/XX/year> it was confirmed every location on the map are suppose to be free deposits. I was being charged by the XXXX XXXX for years XXXX every deposit no matter what the amount was. Ive now been experiencing issues that have put me behind on bills and has majorly affected my credit score. Chime advertises that you can deposit XXXX dollars every 24 hours into your account free of charge. I have not been able to do that consistently for months now. When I bring the issue to chime they blame it on the merchants, and when I approach the merchant they inform me that its the banking institution. Now when I agreed to be a customer of this company it was never revealed that you wont be able to make your full deposit due to unforeseen circumstances. Which is a violation of consumer rights to know all about the product you are purchasing. As you can see through my evidence there are days where I havent made a deposit at all. Then when I try to make a deposit when none has been done in 24 hours Im not able to make my full XXXX dollar deposit. Ive been told this is a special case and Im the only person this is happening to, but as of XX/XX/XXXX I confirmed with the XXXX manager that Im not the only person this is happening to. At no point in time should a company lie to its customer about a wrong doing on the companies side. Ive suffered a lost voice screaming at the customer service reps amongst many other things. I hope that the court will help me in finding a solution with this problem. I was told on a call that they are now seeing this issue with other people but I was told months ago Im the only person this is happening to. This is fraudulent also being as you are telling someone a lie to get a result from the situation. I was also told I XXXX my transactions XX/XX/XXXX of this year if thats the case any activity afterwards should be voided and refunded.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of a fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the banks associated with the fraudulent account. 

XXXX XXXX XXXX XXXX 

The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which have been mistakenly existing on my report for over five years.
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 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 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 XXXX 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

I was contacted by mail and received XXXX of the same letters on the same day. 
This is regarding some type of collection matter with XXXX XXXX and I had never had an account with them. 
This notice is deceptive in the sense that it has the letterhead of the law firm Eltman Law P.C., however it continues state " no attorney in the firm has personally reviewed the particular circumstances of your account ''. I believe this law firm in in violation of several state and federal laws. Particularly the FDCPA, OCSPA, FCRA and possibly the TCPA should any fraudulent calls to my telephone be made since I listed it with this complaint. I have not received any documents bearing my signature and believe this is fraud. I would like to also put them on notice that I do not wish to be contacted except by mail. The letter also states that the firm has been retained, however no due diligence has been made by XXXX XXXX to determine the validity of the false demand for the collection of the so called debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXXrd party data furnishers.
Product: Credit card or prepaid card

The target red card is one of the worst cards I ever had. They never gave the promotion of {$40.00} when opening up an account. Their store credit card half of the time doesnt work when purchasing in store. their APR was a lie. Everything about this card is terrible. as I requested so many times for them to send me paper bills they never do. They never send me their agreement policy of the APR rates. I will never open card with target again. When account was opened didnt either check state ID. had to report my card l stolen a couple of times. I called customer service to close my account and they are refusing to close my account as a customer. I have a right to ask for my account to be closed. I do not want to do business with them ever again. Once my balance is paid off the remaining, I am going to ask the credit bureaus to delete Target from my credit report. For advertising promotions that dont even exist.
Product: Credit reporting or other personal consumer reports

I sent in a copy of my DL and SS card with a cover sheet stating that I need them to remove inaccurate information, and they have yet to do what I have asked. I also asked them to remove certain accounts that are reporting that I have no knowledge of and they have done nothing for me.
Product: Vehicle loan or lease

Had an account with XXXX XXXX was at end of my loan and was trying to make arrangements to make the final payments. I only had a couple of months left on the loan. I had to file Bankruptcy because they wouldn't offer a lower payment plan due to COVID. I couldn't get anyone on the phone. I tried several times, and final I filed Bankruptcy. After filing. This one the only thing on Bankruptcy and I had my attorney to contact them, but he never got an answer. The car stopped working and so I parked it. I continually tried to get them to let me pay remainder amount. No response. A friend said he could fix the car and took it to his shop for repair. He was putting gas in car and was picked up. I called they said I owed more. They damaged my credit, exceptionally bad, I had to wait three years to at least qualify for another reasonable payment for a car.
Product: Credit reporting or other personal consumer reports

on or around XXXX XXXX XXXX  I Received a phone call from a gentlemen purporting to be from XXXX XXXX  and requisition that I immediately pay him XXXXto avoid legal action.The initial alert was the mentioning of XXXX XXXX  at which time I do not have, no hav I ver had. an account in that name. I am a victim of Identity theft.So I looked up the detalis and soon realizes I was a victim of Identity theft, I reported the account to the account furnisher with respect to All I then began looking iinto all of the other accounts that were openXXXX XXXX  being paid on time. It seemed strange soand as if It had to be someone close o me,. Im requesting that under USC! % 605 B these fraudulent account be removed from my credit file
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}.
Product: Credit card or prepaid card

Gamache and Myers of XXXX XXXX MO garnished my paycheck, the balance of XXXX dollars was paid in full, and over paid by XXXX dollars and they sent a release to my employer to stop the garnishment. However, I have received a notice I owe them XXXX more dollars plus XXXX cents interest due to be paid XX/XX/2022 this was also sent to the court even though they have been over paid. I have contacted them with no response