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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX 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 XXXX
Product: Vehicle loan or lease

I tried to pay my XX/XX/2018 monthly loan bill but Santander system isnot working and will not take paymnt. They say that they are open at XXXX and I called before going to work but the recording says they are still closed. I can not call them when I am at work and Santander onlinewill not take my payment. They are making me pay monthly bill late.
Product: Student loan

I am writing to address a serious matter regarding the collection activities undertaken by Dept of ED NELNET regarding an alleged debt. I hereby demand that you immediately cease and desist all communication with me, including any attempts to collect the debt or report it to credit bureaus. I also request a thorough validation of the debt, as your current collection efforts lack proper verification and infringe upon my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
It has come to my attention that you are claiming to be the creditor or authorized collector of a debt allegedly owed by me. However, you are not the original creditor, and I have received no evidence or validation that substantiates the validity of this debt. In accordance with the FDCPA, I have the right to request and receive verification of the debt, including information about the original creditor, the nature of the debt, and any supporting documentation. Until such validation is provided, your attempts to collect on this debt are unwarranted and in violation of my rights. 
Furthermore, your possession of my personal information without proper validation raises concerns about the handling and accuracy of my consumer report. I have discovered inaccuracies on my consumer report that reflect negatively on my creditworthiness, resulting in denials of credit applications. These inaccuracies are damaging my reputation and causing significant harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

I Recently Checked My Consumer Reports and found an Improper Usage of my credit from IL Department of Human Service which then Sold my information to XXXX XXXX. Which is in violation of the FCRA in pursuant to 15 usc 1681b you never had permission to furnish any of my information to any credit reporting agency or collection company. I am demanding a deletion of this alleged debt at once. Below I attached a cease and desist and validation of debt letter.
Product: Debt collection

Equifax, I just looked at my credit report and was shocked to see the numerous amounts of error you listed. I am writing to have you remove them immediately. 

The following accounts needs to be removed immediately. Account Name : XXXX XXXX XXXXXXXX XXXX XXXX. Account XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX  Reason : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  criminal background is inaccurate it stats I have a frankly but was dropped to a misdemeanor, due to this inaccuracies Ive been denied jobs as well as XXXX XXXX County housing. I request to have this removed asap
Product: Mortgage

Dear SPS, Please respond to actual question regarding regarding payments NOT applied to account. 
Confirm Debt is due by who is investor, and provide original creditor documents. 
Provide evidence payments were applied in XX/XX/XXXX to account - payments XXXX Select Portfolio Servicing received account XX/XX/XXXX. I am disputing the debt. 



KEEP FOCUS ON DEBT OWED ETC. NO OTHER MATTER AS THE REQUEST IS NOT RELATED TO KYHC AT THIS TIME.
Product: Credit card or prepaid card

Bank of America- XXXX  XXXX XXXX for the amount of XXXX On XXXX XXXX Did not apply for credit nor did I receive a credit card. 
Called Bank of America, filed a fraud alert with XXXX, filing an Identity report with the police.
Product: Checking or savings account

I applied for a new Citibank checking account on XX/XX/year> and my application ( Application ID XXXX ) went in to pended status. I did not receive any status update on my application so I decided to call Citibank on XX/XX/XXXX upon which I was told that my account application was cancelled due to " KYC '' reasons and the only way for me to be able to account would be by visiting a Citibank branch. 

Citi had closed my credit cards more than 2 years ago citing a reason that I had paid my dues using a money order for which I had legitimate reasons and Citi never disclosed in their terms that payments can not be made through a check/money order. 

I want to know what Citibank means by KYC checks and what more information is needed for them to be able to approve my checking account application.
Product: Credit reporting

This would be the XXXX time that I have send out dispute letters to equifax with exact instruction to investigate my negative accounts and they have send back result telling me that they need more information about my dispute.
Product: Mortgage

JP MORGAN CHASE XXXX AND XXXX HAVE COMMITTED WRONGFUL FORECLOSURE FRAUDULENT MISREPRESENTATION NEGLIGENT MISREPRESENTATION AIDING AND ABETTING PROMISSORY ESTOPPEL CANCELLATION OF INSTRUMENT THEY HAD LACK OF STANDING LACK OF JURISDICTION COMMITTED SECURITIES FRAUD MADE FALSE AND MISLEADING STATEMENTS DEFRAUDED THE COURT AND VIOLATED RESPA UNJUST ENRICHMENT THEY FORECLOSED ON MY HOME AND CHASE WHO VIOLATED MANY LAWS THEN STOLE MY HOUSE FOR {$500.00} TELL ME THAT ISNT CORRUPTION THEY BUY IT FOR THAT AMOUNT OF MONEY {$500.00} NOW THEY ARE TRYING TO EVICT ME AND MY CHILDREN
Product: Credit reporting or other personal consumer reports

I am writing once again to formally dispute inaccurate information on my credit report from Experian For over a year, I have made multiple attempts to correct this error without receiving a satisfactory response or resolution. Your agency 's negligence in addressing these inaccuracies has caused significant harm to my credit history and negatively impacted my financial opportunities..
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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 identify theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Transunion I have multiple inquiries I have disputed and never authorized. They need to be removed from my report immediately. XXXX has fixed theirs since I was part of the breach These ones I did not authorize XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX  Finance  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance
Product: Checking or savings account

US bank closed my XXXX account without giving me any proper XXXX notice as to why or what the XXXX reason was. I called into customer service and they referred me to some special verification department which had me on an extended hold time just for the lady to claim the disputes department couldnt verify my social security number with my name when they opened my account. I asked why I was never informed. The bank went as far as to close my XXXX account without giving me any notice nor did they even attempt to request any documents to verify such an issue. I explained to the lady my legal name changes and I could provide the documents to verify as such. The lady said she was going to check with the disputes team after I did indeed verify the legal names I had before and after being on the phone with them for over 40 minutes and the rude XXXX hangup on me.
Product: Credit reporting or other personal consumer reports

CFPB, ONCE I REPORTED EXPERIAN THEY PUT MY XXXX PROGRESS CREDIT CARD ACCOUNT BACK IN MY REPORT, BUT THEY DID NOT PUT MY XXXX POINTS BACK CLEARLY VIOLATES THE FCRA. XXXX UPLOADING DOCUMENTS FROM THE PAST 2 YEARS ABOUT EXPERIANS PRACTICE.
Product: Mortgage

The LTV on my property gives me more than 20 % equity. The mortgage company is refusing to remove the PMI stating they based their value on the purchase price. They sent me a letter about my payments not being current which is not the case. I am current and have never been late. When I call them I was told that I have to have made substantial improvements to the property in order to have them order an appraisal. I told them I would pay for an appraisal and that was denied. Very frustrated.
Product: Checking or savings account

I filed a claim with SunTrust bank on XX/XX/2019 after I realized an unauthorized debit from my checking account of {$510.00} from XXXX dated on XX/XX/2019. I received an email on XX/XX/2019 stating that I would receive a temporary credit while the claim was being looked into. On XX/XX/2019 I received an email from a fraud investigator asking to contact them by phone. After trying to reach them multiple times I spoke to a representative in the fraud department only to find out the claim was still under review. I offered to give them my XXXX statements showing that no debit/payment could be found, I was never given any information on how to proceed and waited to get information on how to proceed. XX/XX/2019 I was emailed stating that my claim was denied and that the temporary credit would be reversed on XX/XX/2019. I immediately requested documents on why it was denied so that I could proceed with the rebuttal but was given little information. On XX/XX/2019 I went to my local branch to get more information on why my claim had been denied. The associate said that XXXX claimed I had authorized the charge. I filled out my rebuttal form and faxed it from the local branch. I felt that Suntrust could not give the proper documentation on why my claim was denied and how to get this resolved. On XXXX XXXX I called XXXX to see if it could be resolved on their end but was told by the representative that they have no record of Suntrust contacting them regarding my claim. I have documentation of emails from Suntrust and my XXXX statements and would like to get this resolved as soon as possible.
Product: Mortgage

We applied for a mortgage loan with Chase Bank in  XXXX . We were " pre-qualified ''. Once we found the property we wanted and a signed contract, we met with the loan processer and started the ball rolling. She gave us a list of the items we needed to provide and the " deadline '' for each and we me t each one. Each  time, we were asked for additional documentation, we provided it immediately. She had a little panic moment once when she thought they were not going to approve the loan because the appraiser told them he could not find comps, which he eventually did and furnished an appraisal. At one point, the told us we needed to withdraw funds fro m our 401K to  pay off our truck which is financed at 0.9 % interest! We were able to produce additional proof of income to offset the truck payment. ( our daughter lives  in one of our ho uses and we had never had her sign a lease, which we did to prove income ) Just when we thought we were ready to close, she contacts us and says the loan is approved, but they are asking for a survey. The survey took  2  weeks to obtain and cost {$2000.00} plus the seller requested additional earnest money because it was taking so long. We provided the survey and the next day, she contacts us and says they are denying the loan. Why? Because even though my husband is " retired '' ( drawing   XXXX   benef its ), he rem ains listed as " active '' on the independent contracting firm 's roster that he has worked for the last 14 years. While he is receiving SS benefits, he is allowed to earn a nominal income to supplement. We have demonstrated the ability to pay at every turn. We have ample assets to protect their interest. There is NO reason ( especially the one the g ave us ) to d eny this loan. It ha s been two months  and we need to get this done. We are out {$2000.00} at their request plus the additional monies we had to send the seller. We need to close this loan!
Product: Credit card

According to XXXX XXXX XXXXXXXX XXXX XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violate these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 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 : Capital One has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 mandates 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. 15 U.S.C 1666b There is no such thing as late payments 42 U.S.C 408 Asking for anyone 's social security number on any loan and or credit card company is considered double dipping and a violation of XXXX. 15 U.S.C 1602g We the people are the credit XXXX  and several others have completely lied on official documents saying that they investigated when I have proof they did no such thing. Since they continue to lie.
Product: Bank account or service

Today I went to Chase Bank for the fourth time, and they were unable to add me to my wifes account, even though she had authorized it. They made me feel like a criminal, because the person who was assisting me asked about my XXXX and why I didnt have a Social Security number and how long I had been living in the United States. This was disrespectful to meit was the most humiliating treatment I have ever received. The person told me that I had to return with my wife, and when they said wife, it was with a sarcastic tone.
Product: Credit card or prepaid card

CitiCards received a refund credit for XXXX XXXX XXXXn the amount of {$4100.00} on XX/XX/2022 from which they have paid off my balance and subsequent charges without my permission. My payment is not due for 2 weeks. When I called and requested them to transfer the credit to my CitiBank checking account that I pay my CitCard payments from I was informed that this was impossible and that the only option I had was to receive a check in 5 days in the mail. I asked for them to overnight my check and was told that this was not possible. 
If I owed CitiCards a balance I would be charged over 18 % interest as well as a late fee.

CitiCards has done this before and I have been told that this was their practice. The refund is my money, and CitiCards has no right as to what I want to do with it. I have looked at my agreement wit CitiCards and I do not see anything that says that any credit I receive is theirs to do with what they want. I consider this an act of conversion, and if this is their practice it should be changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 the Cares act protected us from eviction due to Covid. The apartments that i was living in at the time called XXXXXXXX XXXX XXXX still locked me out and evicted me through that and since they filed an eviction, i am now dealing with the negative report on my credit. I have disputed it but now i have been homeless for a while and the eviction is making it impossible to find somewhere.
Product: Prepaid card

The American Express gift card is not accepted online, it keeps being declined.
Product: Credit card or prepaid card

This card was from First Progress. It was secured and I deposited XXXX from my bank XXXX XXXX. When First Progress was delayed in forwarding my card I changed my mind because the phone contact they gave when I filed the app XXXX XXXX XXXX XXXX XXXX and not First Progress. Their CS stated that they were familiar with who they were however did not handle their service. I went to XXXX XXXX and filed a dispute in order to cancel the process.. A couple of days later the card arrived. However a day or two later I received a statement where they had already taken the annual fee but were going to take another XXXX annual fee at the end of the month. So I contacted XXXX XXXX and they confirmed the XXXX XXXX  contact issue and filed the dispute regarding the annual fee. I wanted the entire process canceled and my monies returned. When I called First Progress the acted as it they didn't know what the XXXX I was talking about claiming they couldn't see the statement they sent me but viewed different into on their screen. Mind you I hadn't even activeated the card. in fact I still haven't because the wouldn't allow me to claiming that they had to take late charges when they had already taken the XXXX money out. This was my money. So finally when XXXX XXXX filed the dispute the monies were returned. Then a few weeks later my account was showing in the negative and XXXX XXXX had allowed them to take it my money back. Now this is a crime.on the part of First Progress. and if XXXX XXXX is in cohorts they will be viewed as an accomplice. It is Theft by Deception. I want my XXXX money back and it you feed me XXXX  I'll have your head supervisor arrested for obstruction of justice. They better have my mony back in my acct.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that I do not recognize and believe it may be the result of fraud or identity theft.
Product: Debt collection

I received a collection notice from Midland Credit In XXXX, and sent a Validation/Dispute letter In regards to said debt via certified mail within the 30 day window. I have had no answer to my request, but they have resumed calling me. This Is a clear violation on their behalf.
Product: Debt collection

On ( XX/XX/XXXX, XXXX, XXXXXXXX XXXX  and XX/XX/XXXX, XXXX, XXXX 2024 and XX/XX/XXXX, XXXX, XXXXXXXX XXXX  and XX/XX/year> ) I received phone calls from this company. This company is does not obtain direct consent about any debt pursuant to 15 USC 1692c ( 1 ). I tried contacting this company through email to request verification of this alleged debt which it is nowhere to be found. I refuse to pay this alleged debt and is demanding that this company cease and desist the collection of this alleged debt through any means pursuant to 15 USC 1692c ( c ). They do not obtain my consent to communicate about any debt, an agreement creating this alleged debt ( 15 USC 1692f ( 1 ) ), this alleged debt is deceptive 15 USC 1692e, and they invaded my right to privacy ( 15 USC 1692 ( a ) ( 1 ) by obtaining my personal Identifying information under false pretenses for their financial gain ( 18 USC 1028A ). I have not benefited from this alleged transaction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX alerted me of a hard inquire, as of XXXX have not applied for anything. I called XXXX XXXX, XXXX, and did not feel comfortable giving out any personal information. So much scamming going on. Then I contacted XXXX, XXXX and Experion, to freeze my reports. This is so not what I wanted to be doing today!! This hard inquiry took my points down XXXX points!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I do have a letter from XXXX as the data furnisher stating they have " REMOVED '' the bankruptcy from my report. also I have a letter from the bankruptcy court stating they do not share or verify information with credit report agencies. So please either provide me with the method of verification you used in your verification process or remove this bankruptcy from my credit file to not being in violation with the FCRA. 
Also ask the data furnisher XXXX or the bankruptcy court. and provide me with all the verifying process details, such as the person 's name who you have verified with, their address and phone number. I am providing you with a copy of the bankruptcy court stating emphatically that they do not share or verify information with any third party such credit report agency. so the response i received from Equifax claiming they have verified with the bankruptcy court is a big lie, they are violating the FCRA. 
According to the FCRA the information should be verified with the original source or creditor, i do have a letter from the bankruptcy court stating emphatically that they do not share or verify information with third party such credit report agencies, also XXXX as the data furnisher has sent me a letter stating that they have removed this bankruptcy from my XXXX report. so as Equifax is unable to verify this information accuracy with the original source, you should remove this bankruptcy from my credit file immediately.
Product: Checking or savings account

My wallet & phone were stolen while I was out at dinner early XXXX. I got a new phone a day or so later and I noticed some disputes were filed through my bank from cashapp. When I called both cashapp & my bank after I noticed XXXX was missing from my cashapp, I was told this was due to charge back and it was too late to cancel the dispute. On XX/XX/XXXX, the dispute was closed with no error occurring ( which means I should've gotten the XXXX back. However cashapp closed my account and referred me back to my bank who initially referred me to them. Now I am out of XXXX and cashapp refuses to explain anything about my funds.
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX