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

I have gotten denied from opening a checking account because of a fraud checking account/ XXXX  closure date charge off XX/XX/year> in the amount of {$1600.00} on my chexsystems credit reported as a charge off on my chexsystems report. I have reached out to chexsystems about this matter and XXXX and nothing have been resolved. I have included a FTC Report and a copy of ID which my ID don't match up with the address on the person who committed the fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute o n   XXXX   XXXX  ,2017 to  Transunion to for removal of the negative collection accounts that are reporting and they finished the investigation in less then  24  which tells me there was no investigation they just sent out their generic letter for disputes.
Product: Credit card

A couple of months ago I had fraudulent activity in my bank account which in result forced me to change banking acct. numbers. This was of course a headache by having to change recurring credit card payments with my new account. A day before this happen a payment already had processed to be paid which was a recurring payment for Walmart/ Synchrony bank. I quickly tried to contact customer service to informed them of what happen. The customer service rep. advised me to send in a copy of the bank report concerning the theft in my account, which I did and that they would honor that. I quickly went into change the recurring payment and cancel out the old bank account number, and made a payment right after to clear up the payment that was returned. Obviously the next payment was due, the system was still set on recurring payment of the old banking acct. number, ( which I changed ) which cause the payment to be returned again. Walmart/Synchrony bank closed my account. I begged and pleaded with them by chat and writing letters to the president to please not close my account. I explained that I have been faithful of my payments due ever month until this tragedy happen. This was not my fault, I see if I was a person that did this on purpose, but that was not the case. I understand that a lot of consumers have complained about the same situation that I am going through. I have other credit cards with Synchrony bank and they did not give me this problem like the Walmart account. What is the problem? I sent in evidence, I tried to correct the payments and they still closed my account. Something needs to be done!!!!! I understand they have rules, but my situation did not apply to the rules and had evidence which should have been waived.This is not right!! And I am not going to give up fighting!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA XXXX Opened XXXX XXXX, 2017 XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Vehicle loan or lease

well around XX/XX/2021 i went to XXXX XXXX  to provide my identification to open up a personal banking account. in the middle of the time being with the banker / accountant which name is XXXX XXXX. whose personal number is XXXX XXXX XXXX please contact him for verification he gave me his business card i am using his number for proof if needed. i basically got denied and im trying to apply for things and i took a survey and find out that i have 1 loan in my name which makes sense because people have been sending mail and ive been getting phone calls about being a car own when in reality ive never had any cars in my name. i have lost my wallet with my ID and social security. i have only reported it stolen once. im a trying to figure whats going on i need to find and get to the bottom of this because my lively hood is at stack due to identity theft.
Product: Debt collection

I have provided the company with copy of Email sent from the company showing the amount tht was due was paid in full. The company is still trying to collect payment. the company have placed the balance on my credit report.
Product: Debt collection

US Bank is committing multiple violations under the Fair Credit Reporting Act. 

I am writing to request your help. They are reporting false and erroneous information to the credit bureaus. Please see some of the violations bellow : - Failing to investigate account - Failing to send late notice by mail as requires the California Credit Reporting Act.

- Negligence - Breach of contract Their wrong report is affecting me in a huge way. Its affecting not only my credit score, but also my psychological health. 

Please send the attached documents to US Bank. 

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

Equifax and XXXX  deleted Information and put it back on my Credit Report. I filed a complaint with you all back in XXXX regarding the same thing. XXXX Im filing another one and hope that this can be resolved.
Product: Vehicle loan or lease

I.m paying my car loan and it is under agreement cause of financial hardship cause the bank agreed for me to pay XXXX payment in amount of {$390.00} installedments and agree for me to pay XXXX payment on the XX/XX/2022 and they send that information to the credit Report and say that was XXXX days late but we both parties agree that it wont be send in ..and i notice that they mess up my credit score in the amount of {$590.00} ... and i want to dispute this amount cause the bank fail on they agreement that it wont be reported cause of my Financial Hardship need to come to a conclusion on this issue..thank you..
Product: Debt collection

*Approx XX/XX/XXXX : we changed from XXXX XXXX to XXXX XXXX, on advice of XXXX . I  currently have a XXXX XXXX Acct. 
XXXX : XXXX demanded payment of {$610.00} for services on consumer acct., which they switched to a bus. acct. Since acct was closed, I could not access that acct online. I spoke w/ numerous XXXX reps and each time they referred me back and forth to diff't depts. No one @ XXXX was able to help, including managers. Several hrs on phone. 
*Approx XX/XX/XXXX : started getting harassing call from XXXX XXXX XXXX. I explained situation, but they said they could only collect or my credit would suffer. 
*XX/XX/XXXX : I filed complaint with FTC ( XXXX # XXXX ) and sent detailed letter w/ copy to XXXX and XXXX. XXXX never called again. 
*XX/XX/XXXX : Rec 'd collection notice from new agency : Sequium Asset Solutions , LLC , XXXX XXXX XXXX, # XXXX, XXXX GA XXXX XXXX ( XXXX ) XXXX. I called FTC and was advised to file complaint w/ CFPG. 
XX/XX/XXXX : I will send a copy of this complaint to all parties involved.
Product: Credit card or prepaid card

I had been using my Chase credit card normally. One day, my transaction was declined. I called Chase to ask why that happened as I've never had any bad encounter or situation with Chase or any other credit card company for that matter. They didn't explain anything, they only told me I am blacklisted. I want to understand what it means by saying I am blacklisted. I'm assuming they're discriminating either against my nationality, age, or language ability. I just want them to explain to me what it means to be blacklisted and why I was blacklisted as well as had my account closed. In addition to Chase, after using my XXXX XXXX for a while my transaction got declined. When I called to solve the issue, they told me to go with my ID to a union bank to verify my identity. I went several times to the XXXX XXXX XXXX. Every single time they told me to wait and my card will come. When I called customer service to see where it is, they told me I need to reapply. The teller at the bank filled up the application for me and told me I was approved for {$10000.00} and that my card would come in 7-10 days. I waited 15 days and called. They told me I have to go to the branch. I told them I did go to branch and the bank teller was the one that filled out my application and told me I was approved. They told me doesn't matter go to branch. I went to the same branch and talked to the same person whose name is XXXX, and she again said my card will come and to wait. I waited again for a longer time, I called again, and they told me to go to branch again like a joke. This time I went to the XXXX XXXX XXXX, explained everything to the store manager whose name was also XXXX, and she called and talked to customer service and said everything was solved and you'll receive your card. Again after a while I haven't received my card and called and they said to go to Branch and they're leaving an open link that they can solve everything under that link. I went to branch and spoke to the manager again and she had the bank teller help me. She said its already late took my information and said she'll call me tomorrow. She never called so I called. She told me the account is closed and I need to reapply. At this age I went to a branch 5-6 times and now I need to reapply and I have been approved TWICE for XXXX - first time I used for a while, second time I never received my card. Am I supposed to reapply 4-5 times to receive a card
Product: Credit reporting or other personal consumer reports

Company/Date- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe- DT credit XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  The companys listed above I noticed unauthorized inquiries on my credit report.
Product: Mortgage

This is a complaint about an error I already reported to Arc Home LLC but am not getting any satisfactory results. 

I have a home loan with Arc Home LLC and mortgage payments have always been on auto draft. In XX/XX/2020, the auto draft didn't pull, and I was not given a reason why it didn't pull. 

Comes XXXX, I found out about it and already called Arc Home LLC to put the payments back on auto draft. In the same month, I found out that the " late payment '' was reported to the credit bureau and as a result, my score went down. 

I submitted a dispute on Arc Home LLC and result came back on XX/XX/2020 that they denied an error on their end. I called but am unable to get to an escalation path.
Product: Mortgage

I have so much information regarding my loan and how XXXX and XXXX XXXX XXXX have handled my mortgage loan. I have tried repeatedly to work with XXXX but the company refers me to their Texas law firm XXXX, XXXX, XXXX, XXXX and XXXX, XXXX from XXXX, Texas and that firm would tell me to call XXXX. Very deceptive since I submitted in XX/XX/2021, {$19000.00} to CENLAR since their office claimed that was what was owed and the money was refunded back to me since I was short {$10000.00} and they would not allow for the fees to be added to the {$56000.00} note. My house will be sold tomorrow, XX/XX/2021 for {$56000.00} so who will pay the {$29000.00} plus that will still be owed? 

I have researched and realized that this company is very deceptive and have several lawsuits against them for the exact same reason they are foreclosing on my property. 

Please help to stop this and maybe it will help another family somewhere not suffer these consequences. 
What I want for them to be investigated and brought to justice for what they do to families along with their Law firm that represents them.
Product: Credit card or prepaid card

XXXX XXXX Barclays Card. Promotional 0 % interest period ended without notice and balance of interest was accelerated into one payment that nearly exceeded the amount of principal paid on the card. When called, they did not waive or remove any charges. I would have never financed with Barclays if I knew they engaged in this usury. I ended up paying off the balance in full and closing the account. I took a {$600.00} hit for what I thought was a 0 % interest card on a specialty purchase financing plan. Also, I can not find anything on the website about my original account terms, thus I have no way of determining if this is even the right promotional period. Very distressing. Shame on them for bait and switch and shame on XXXX for participating. I want nothing to do with them anymore.
Product: Credit card or prepaid card

Went to make a purchase at XXXX XXXX XXXX guy told me to answer a couple questions on the kiosk and asked if I want to credit card I said no I got a credit card in the mail a week later did not want to credit card from XXXX XXXX XXXX did not ask for a credit card actually paid cash for this transaction was just trying to purchase some magazines they did a hard inquiry on my credit report and I do n't plan on using this card and I never wanted I called after I left the store to make sure I was n't getting a credit card and they informed me I was n't a week later here I am with a credit card for XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED TRANSUNION INACCUARATELY REPORTING LATE PAYMENTS FROM MY XXXX XXXX XXXX XXXX ACCOUNT. I CONTACTED TRANSUNION AND ADVISED THEM OF THE ERRORS. 

I HAVE REQUESTED PROPER VERFICATION TO VALIDATE THESE LATE PAYMENTS. 
ACCORDING TO THE FCRA, SPECIFICALLY REGARDING BILLING ERRORS 15 USC 1666B STATE, THE CREDITOR HAS TO SEND A STATEMENT 21 DAYS PRIOR, AND UNDER A OPEN END CONSUMER CREDIT PLAN A PAYMENT CAN NOT BE CONSIDERED LATE FOR ANY REASON. 

I HAVE REQUESTED PROOF, A COPY OF THE CREDITORS BANK RECORDS, OR PROPER PROCUDE TO ENSURE THE ACCURACY OF INFORMATION BEING FURNISHED TO MY ACCOUNT WHICH IS STATED IN 15 USC 1681 ( E ) B.
Product: Mortgage

since XXXX this loan servicing company, or for better words loan servicing scammers have been manufacturing in bad faiths a default, we have paid our mortgage on time and everything month since the inception of the loan which was XXXX, XXXX of XXXX and have never missed a payment, and we pay our taxes and insurance directly to the XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX insurance company. and despite all the evidence provided and there records as we have every record and payments made on file. they continue misplacing our mortgage payments, not applying the payments to the account and charging me thousands of dollars not owed. this bank loan servicers are a scam, despite my complaints to your office, you have failed to investigate this matter deligently and do something about it. as they are hurting my household as citizens and consumers that we are.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX promises and high pressure sales tactics to sell me a solar system in XX/XX/XXXX. The solar does not work. It has failed state inspection twice. The XXXX system is faulty. The solar company has closed down and filed bankruptcy. GoodLeap LLC is the lender who provided the loan. This company put a XXXX fixture XXXX attached to my home in XX/XX/XXXX. They refuse to take the panels back or release the Lien. They partnered with a dishonest solar company and refuse to assist me ( the customer ). I have filed XXXX XXXX XXXX due to this XXXX debt that I have been unjustly charged. The debt to GoodLeap was discharged on XX/XX/XXXX and GoodLeap is advising they will not pick the panels up nor will they release the Lien unless I pay the XXXX that was already discharged in bankruptcy.
Product: Credit card or prepaid card

Opened Cash App Company managed to take {$960.00} out of my bank/cash app. 
Contacted many times. Stated they will call back with no call backs
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Information FRANKLIN COLLECTION XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Attn : Resolution Department Re : FRANKLIN COLLECTION Dear Collections and Consumer Relations Dept : I am writing to dispute the following information in my credit report and/or file. I have circled the items I dispute on the attached copy of the report I received. 
This is the second time I have been informed that there is negative information reported by you Franklin Collection and the original alleged creditor ( s ) XXXX XXXX XXXX, in the records of the credit bureau records for XXXX XXXX XXXX which maintains under my Social Security number. Upon ordering a copy of the report ( s ), I see an entry from Franklin Collection for an alleged amount of {$0.00} dollars. Secondly you state that I had a high balance of {$42.00} which is also inaccurate. 

Please validate this information with XXXX XXXX XXXX and your records, and provide me with copies of any documentation associated with this alleged amount you state I owe bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security number and removed from the all three ( 3 ) credit bureaus. 

I am formally requesting that you provide validation of this alleged debt and in the absence of any such alleged debt that you immediately remove any and all information that you have reported to the credit bureau. I am formally disputing and officially notifying you that I dispute any and all alleged debts stated in your notice. XXXX XXXX disputes your debt collection-related allegations and inaccurate reporting, denies the same, and demands strict proof and verification thereof. This dispute, denial, and demand are made in accordance with federal law. Pursuant to the XXXX Fair Debt Collection Practices Act and the Federal Fair DEBT Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) your claim is disputed, and validation is requested. 

I am finding it very difficult to apply for credit and gain access to credit because you have reported inaccurate information.
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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : account name XXXX account number XXXX Accont name XXXX account number XXXX Account name XXXX XXXXXXXX XXXXaccount number XXXX Account name : XXXX XXXX account number. XXXX. Account name XXXX account number XXXX Account name XXXX XXXX account number XXXX Account name XXXX XXXX account number XXXXXXXX XXXX XXXXXXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I affirm that the information provided above is accurate and true to the best of my knowledge. I acknowledge that any false statements or omissions may result in legal consequences, including penalties for perjury as defined by the laws of the United States, whether conducted within or outside the country. Furthermore, I confirm my legal authorization to pursue this dispute under both federal and state legislation. 

I am aware that the inclusion of major factual errors or omissions constitutes a federal offense punishable under 18 U.S.C. 1001. Similarly, making false statements is prohibited by 18 USC 1621. It has come to my attention that certain items in my credit report are unrelated to any transactions I have personally conducted. I assert that someone or an organization has improperly utilized my personal identifying information without my consent to apply for goods, services, or financial resources. 

If you believe that I have indeed received the goods or services in question, I kindly request a senior official from your company to verify, under penalty of perjury, that I have indeed obtained them. It has been unlawful for these businesses to engage in aggressive inquiries and include unauthorized accounts on my credit report. These actions have caused significant stress and distress for which there is no justifiable reason. I want to emphasize that I did not authorize these accounts or the associated hard inquiries, as they do not belong to me. I implore you to thoroughly investigate this matter and promptly remove these erroneous entries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account : XXXX XXXX Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to positively verify the accounts and has hurt my ability to obtain credit. I did not have a contractual obligation to pay the accounts balances, they are not mine..Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Student loan

I am a recent XXXX student who took a break after XXXX school and used my forebearance during that period. After the completion of XXXX, Navient calls me three times everyday seven days a week around the same time using various numbers and leaving voicemails from various representatives. I live with my mother and she was the consigner in which Navient calls the same number six times daily seven days a week. I want to file a compliant for harassment by phone misuse. When Navient first called I advised them that I am currently without a job and that my mother is in XXXX at this time. Therefore, she can not currently assist me with any payments. I have defaulted and now they have sent a fax to my mother 's current place of employment which is also harassment. I do n't need them to contact my mother 's place of employment harassing her which in turn might make her lose her employment. Navient has also sent me emails and letters asking me to make my account current which I can not do at this time.