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

I filed a dispute with XXXX for a bankruptcy that was reported on my credit report and was notified by XXXX that this dispute was received and opened on XX/XX/2023. There were also 2 additional disputes that were opened for accounts that were listed as included in this bankruptcy which was XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX. 

The bankruptcy was removed from my report on XX/XX/2023 and the XXXX XXXX  account was removed as well. The XXXX XXXX  account should have been removed as well as the XXXX XXXX account. 

If the account is showing that it was included in bankruptcy and the bankruptcy has been removed then this account is reporting inaccurately, and illegally and needs to be removed immediately. 

I demand that this account be removed from my credit report immediately due to was reporting in bankruptcy and the bankruptcy was removed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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 - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXX of XXXX I attempted to utilize Citizens as a financing option for XXXX XXXX to take advantage of a deal that allowed my wife and I to get new phones. Even with a gross household income of {$250000.00} and a credit score from XXXX of XXXX, they denied the request. When I reached out to Citizens, after multiple recorded phone calls, it was brought to light that they had an account for me that was labeled as XXXX XXXX. In Fall of XXXX, someone had opened a fraudulent account in my name through Citizens and bought an XXXX from XXXX. After fighting the charge for months, they finally confirmed it officially fraudulent and were supposed to close the account. It turns out they did not close the account, claimed it against my credit score, and set my account as Charged Out. They never fixed this issue, and when I called this past month to find out what was happening, they decided to refuse to reset my account. They offered me no way of fixing the issue, and as they are the only choice for me to use for XXXX XXXX, they have now rendered me unable to utilize XXXX 's offer. Even after multiple escalations and every effort I could on my part, Citizens has refused to fix the issue, even with the gross negligence on their end of leaving my account as charged out for XXXX and a half years incorrectly.
Product: Mortgage

On XX/XX/17 XXXX XXXX  EST Quicken Loans who provides loans online through rocket mortgage is ruining my credit when I was seeking a mortgage loan through them online. When applying for a loan, they did not state when they ran my credit that If you have had a foreclosure in the last 7 years they could only provide a FHA loan, which in my case, was not accepted by the seller on the house or acceptable by me. This ruined any chance on buying the home and now is ruining my credit in the process on the home I was looking looking to buy. I would have been better off with 90 % down and placing the rest on a personal loan since the amount was much less than the loan I was looking to get approved on. Quicken loans is causing my credit to fall with long term damages for getting a loan for a car in the future ETC ... .To me this is like a bait and switch attempt for quicken loans to provide mortgages to get people to use thier service. When sellers require that loans are not FHA Quicken Loans through Rocket Mortgage does not state it even if its the only loan they can get no matter what the damages are to thier clients. FHA loans require PMI or private mortgage insurance causing undue pain to those that seek a loan by increasing a monthly payment. From this simple credit check, this is causing me to believe that the mortgage crisis is still in full effect caused by the lending institutions and there is no accountability here and things need serious change in america which I will surely pass my experiences to my children.
Product: Checking or savings account

Navy Federal Credit Union has continually held payments that Ive made to cause me to incur fees. 
For instance, Navy Federal held my XXXX payment for 5+ business days last month to the point that I had to call XXXX to have access to my credit card because the payment was held by NFCU so long.

NFCU will hold payments and show payments as pending to try to order the payments smallest times largest and after a few days of holding the payment, it will clear for an earlier date than it was released. So with the XXXX payment of {$1500.00}, I made the payment on XX/XX/2022. It was pending until XX/XX/XXXX and when I went into my account on XX/XX/XXXX, my NFCU account said that the XXXX payment cleared on XX/XX/2022. But XXXX put an alert on my credit card so that Id have to call before using my credit card because NFCU had held paying them so long. 
The same has happened with my XXXX XXXX payment in XXXX and this month ( XXXX ). I transfer money from my NFCU business checking account to pay my bills. So I transferred {$700.00} from my NFCU business checking on XX/XX/2022 to my personal checking after which I paid my XXXX XXXX Payment in the amount of {$420.00}. When I went to my NFCU personal checking account on XX/XX/2022 around XXXX, I transferred the remaining balance of my personal checking account into my business checking account thinking that all my bills were paid. I awake today, XX/XX/2022 to discover that the XXXX XXXX payment that cleared during the morning on XX/XX/2022 was reversed and the {$85.00} donation to a church was instead paid ( which I admit I forgot about ). When I called the customer service line to confirm that the XXXX XXXX cleared and was paid on XX/XX/2022 I was told by the representative that it cleared as was paid- I think her name was XXXX XXXX 
I asked for a supervisor whom told me that the bank pays transactions smallest to largest! So my payment was apparently paid and reversed after I transferred the remaining balance of my personal checking account back to my business checking account in the afternoon on XX/XX/2022. NFCU held my transaction to cause me to incur a fee even though the money was available when it was originally cleared on the morning of XX/XX/2022 but reversed it after I transferred my remaining balance to my business checking account in the afternoon of XX/XX/2022. The transaction was apparently paid according to a bank representative that I spoke to around XXXX on XX/XX/2022 and then reversed by Navy Federal Credit Union when I transferred my remaining balance to my business checking. This has now cost me {$100.00} in fees! Ive incurred {$82.00} in fees from XXXX XXXX and a {$29.00} return check fee from XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$97.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Transunion RE : Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX verified the account they are reporting is accurate. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification. 
The item in question is inaccurate and represents a very serious reporting error. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
Regards, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was XXXX and spent several months in XXXX which prevented me from making payments or calling the mortgage company asking for any type of loss mitigation assistance. Due to the missed payments, a sale date was scheduled for XXXX XXXX, XXXX. I was released on XXXX XXXX, XXXX and immediately put the property under purchase contract as a standard sale, it is a cash offer. We submitted the purchase agreement to the mortgage holder on XXXX XXXX, XXXX. Documents were confirmed received on Friday, XXXX XXXX, XXXX. I was told that the property would need to be sold and paid in full BEFORE the sale date ( that is only 7 days ). I explained that my buyers have a 7 day inspection period and still need to pull title to ensure no other liens are on the property. This unreasonable time frame will not allow for any of that to be done. We then requested reinstatement and payoff figures, we were told they needed to be ordered and would take 3 business days before the figures would be available. This means they would not be available until the day before the actual sale. I asked how they expected me to reinstate the loan if I did n't have the figures. I was told we should have called in sooner. We called on 3 separate occasions and were told the same thing all 3 times. I am the only one listed on my loan, I was not in a position to make phone calls and stay talking on the line for hours trying to get this worked out. Once I was released, I made every effort to rectify the loan. There is over {$100000.00} in equity in my property and now, the mortgage company is trying to profit off of it. All I am asking for is a postponement of sale in order to complete the sale. Nationstar will not help me with this but instead are moving forward with the sale.
Product: Credit reporting or other personal consumer reports

I made numerous attempts to dispute fraudulent accounts on my TransUnion credit report. I do not understand why there wasnt any progress, because other bureaus ( XXXX and XXXX ) already have removed the fraudulent accounts. Only TransUnion still reporting all the fraudulent items. I request the following accounts to be removed as soon as possible : Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX
Product: Debt collection

Request Validation of debt : I did not grant anyone permission to share personal information and does not have any knowledge of Rentdebt automated.
Product: Credit reporting or other personal consumer reports

I submitted documents to Experian in regards to human trafficking - Experian has decided to ignore the Rules and Regulations that have been established by the United States Congress by stating the NGO provided is not authorized to make the determination of human trafficking. They are causing me great harm by prolonging my recovery efforts. Furthermore, I have provided more than enough information that supports who I am and my identity to Experian. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a mortgage with Chase Bank because they promised me that they could close in 21 days or they would pay me {$2500.00} in cash. I fulfilled all of the conditions for this closing guarantee, yet the closing occurred a day late because Chase could not meet the 21-day schedule. When I asked for the {$2500.00} in cash, Chase informed me that they had changed the terms of the deal without telling me. Originally, the deal ( as disclosed to me by Chase ) was that I had to submit a loan application and completed purchase agreement 21 days before closing. Chase now says the 21 days are measured from the time they submit the paperwork to underwriting. This was never disclosed to me before closing, and I believe this is unfair to consumers who have no control over Chase 's internal processes. I demanded that Chase abide by the terms of the deal, but they have only been willing to refund me {$500.00}. Chase 's closing guarantee is deceptive and they should be forced to honor the deal they presented to me and upon which I relied to my detriment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following two ( 2 ) accounts do not belong to nor ever belonged to me. These accounts are fraudulent and I'm demanding that they be blocked from my credit files. I do not Live in XXXX and probably was a minor when these accounts was created. I'm a XXXX so I'm not sure if that's the mix up but what I know fo sure that these accounts are not mines. Please remove these accounts or provide me with physical documentation, signed contract via identification to show just cause of why you and your companies is reporting these accounts. If you can not show physical proof of these accounts then these accounts shall be removed immediately. 

1 ) Diversified Consultant # XXXX  2 ) XXXX XXXX XXXX # XXXX
Product: Debt collection

I have received a collection on my credit report from Credit Management I have not received any mail allowing me to dispute the validity of this debt before they put it on my credit report. Once I have received that I will pay any debt in full once I have reviewed it.It needs to removed from my credit report until then.
Product: Bank account or service

Went to a bank of America in XXXX XXXX XXXX and XXXX XXXX as an active customer with a government check and they would n't cash because of the way I looked then I went to every bank in the area as a non customer and even from where the check was drawn and still could n't then returned mad as still the customer and then after screaming at what the mgr woman with XXXX they then did
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX **** Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX  Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My current credit report lists      XXXX   XXXX   XXXX   XXXX   XXXX   as b eing  XXXX  past due with 9 missed payments since  XXXX  2016 and in adverse status. I have not MISSED ONE PAYMENT. I have made 31 payments since  XXXX  of 2016 totaling {$18000.00} ( see printout from the state of CT attached ). I called the state of CT and they told me to dispute the credit report with  XXXX . I did and they still did not fix my payment history or account status. They changed the balance, but not my payment history. This mistake is probably bringing my FICO down  XXXX  points.
Product: Credit card

My credit card payment is due on the XXXX of each month with YARD CARD/TD Bank . I made two separate payments by phone on XX/XX/2024, one for {$140.00} and the other for {$20.00}. On XX/XX/XXXX I looked at my checking account and the payment of {$20.00} was taken out, but the {$140.00} wasnt on there. I called YARD CARD on the XXXX to ask about this and they informed me the {$140.00} got cancelled out because I am not allowed to make 2 payments in one day. I was not told this or aware that I couldnt do that. I then asked if, now I would get charged a late fee and show a late fee on my account and they said yes. They do not have no grace period at all and they wouldnt do anything to help me and fix this.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I loaded more than {$500.00} to my XXXX XXXX XXXX account. On the XXXX of XXXX I cashed out {$250.00} going to my cash app account $ XXXX. Out of the {$250.00} the company sent {$200.00} from one cash app account, and {$24.00} from another cash app account, and there was a {$25.00} processing fee. When I logged into my cash app to accept the payments both of them failed. I am attaching screenshots from my cash app as well as emails that I received from cash app showing that the payments failed. I am also attaching screenshots that I submitted to the company. I would like the company to either put my {$250.00} back on my account or resend the money to my cash app account. I am also sending a screenshot from their terms and conditions of their user agreement that says they only issue gift cards for winnings. That is not true this company is running a gambling app that is not licensed with the trade commission. Please put this company under investigation so they can be shut down
Product: Mortgage

In XXXX of 2014 the servicing of my mortgage was sold from XXXX to Setrus Inc located in XXXX, CT. I had sent in a payment on XXXX/XXXX/2014 that was received by Seterus for the XXXX/XXXX/2014 payment This is verifed by Seterus Inc . They are stating that there was a fee of {$87.00} dollars assesed from XXXX that was deducted from my mortgage payment and the rest was applied to a suspense account. When the next payment was received on XXXX/XXXX/2014 for the XXXX/XXXX/2014 payment it was instead applied with money in the suspense account to make the XXXX payment which I believed was already made. This in turn has started a domino effect of my payments consistantly falling in the 30 day behind range. I have spoken with representatives from Seterus numerous times and have gotten nowhere. I am trying to refinance my property but because of this incorrect applying of my payments I am being denied by current lenders because of my mortgage payment history. I have made a paymnet every month from the inception of my mortgage and will continue to do so. Please assist in getting this mistake corrected as I have had no success in dealing withthis company. I am a retired veteran and believe I should be getting some help.
Product: Credit reporting or other personal consumer reports

I discovered again 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 : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My identity was stolen for tax fraud im not sure when but i received a letter in the mail saying i owe XXXX when XXXX only XXXX turned XXXX this year of XXXX so im not sure who tried filling my taxes, someone also stole my identity when i lost my wallet back in XXXX opened up accounts im not sure of ( XXXX, XXXX ) and also gained access to my chase account and were trying to commit fraudulent activities. i also NEVER gave any of these companies permission to run my credit, this fraudulent ( XXXX  XXXX, chase, XXXX XXXX  and these other banks im not sure of )
Product: Debt collection

Calls for multiple numbers from different area codes. They never identify themselves until you asked them in the middle of the call. I communicated with them through via certified mail in XX/XX/XXXX XX/XX/XXXX of 2020. They called me instead of written form of communication. I never got a reply back from my certified letters. I sent two certified letters.
Product: Credit reporting or other personal consumer reports

I was notified by my bank that a {$53000.00} line of credit was taken out under my name. I have called the collection agency along with XXXX, XXXX, and XXXX to help resolve this fraudulent charge. There has been no resolution as I initially learned of this issue on XX/XX/XXXX and have seen been working to remove this from my credit report ever since.
Product: Credit reporting or other personal consumer reports

XXXX is reporting an inquiry from XXXX XXXX from XX/XX/year>. I have not authorized this inquiry neither or has a business with this company.