23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Describe what happened so we can understand the issue ... 
Contacted on XXXX XXXX CST by XXXX XXXX HR Manager ( XXXXXXXXXXXX ) and Hiring Manager and XXXX XXXX ( XXXXXXXXXXXX ) Human Resources Department for XXXX XXXX XXXX XXXX for a online interview and briefing for a position on the job search engine XXXX., All of the company history and stats were provided. Our temporary office is located at XXXX XXXX XXXX, XXXX, XXXX, NJ XXXX, United States. Expanding their businesses/customer reach by setting up a branch in XXXX, AL which will be commissioned on the XXXX of XXXX and that 's why we are employing online. I was advised that it will be strictly an online and work from home job until the branch is commissioned. The working hours are flexible and you can choose to work from anywhere of your choice. The pay is {$25.00} per hour during full working hours and the training is {$18.00} per hour and you will be getting your payment weekly via check or direct deposit working 30 to 40 hours weekly ( 6-8 hours daily ). If you are employed, you are going to be working as a full time employee and not an independent contractor. Benefits : Health, Dental, Life and AD & D Insurance, Employee Wellness and 401k plans. Paid Time Off and Holidays with Generous Company Discounts. 
The website was provided and the position description, Also, particular software was needed for the position and their would pay for it ( XXXX XXXX XXXX XXXX, XXXX XXXX for XXXX, XXXX, XXXX and a Time Tracker ). The funds for the software/working equipment will be provided for me by the Company via check. The check will cover the cost of a laptop, printer, scanner, time tracker with a fast internet connection you need to start working with. The check was mailed and delivered to my home via XXXX or USPS courier service and once I receive the check ; I needed to have it deposited to my bank account for immediate clearance. The funds will be credited and available in your account for cash out within 2 business days. I needed to purchase the working materials from any of the their certified vendors who we have been buying from for years. A check was mailed via XXXX. I opened a separate business account just for this job. On XXXX/XXXX/16 the check was deposited. Regions back cleared the check on the XXXX. I took the monies allocated for supplies and deposited in the vendor account with XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX : {$3600.00}. 
The bank cleared the check and then held me accountable for the cashier check not being valid. I have the bankers name and documents to support all.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with XXXX XXXX XXXX & XXXX Procedure in case of disputed accuracy, and XXXX XXXX XXXX & XXXX XXXX ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and whish to ensure that all the information is 100 % correct and accurate. 

XXXX are the accounts I am requesting to be reinvestigated : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy in XXXX of 2024. There were 5 credit cards total. I was never late on any of the payments. The credit bureaus show 4 30 day late payments and 4 60 day late payments. They have been disputed several times and not removed. I filed before the payments were due. Please have them by law on each bureau remove all 4 30 and 60 day late payments. Its seems one of the credit card companies did this in spite, due to the bankruptcy, which is illegal by law. Experian should know better and has done nothing to remove them when requested several times.
Product: Credit card or prepaid card

On XXXX, 2020 my bill did not go through BARCLAYS BANK DELAWARE - account with 1 missed payment. I am kindly requesting BARCLAYS BANK DELAWARE to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
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 : XXXX 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 is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX : {$410.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$970.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX 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 card

I applied for Citi best buy card, XX/XX/year>2024 CITIBANK NA., BEST BUY CITIBANK NA., BEST BUY, XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX ... they said they couldn't extend credit to me because my account was locked yet they did a hard pull inquiry
Product: Mortgage

There is a FULL month going back and forth with this mortgage servicing company about a stupid change of address and for some reason they keep on giving me a very hard time and just dragging me around with all kinds of excuses and lies.

1. As many times I called in I was kept on hold for hours and transferred from one department to another department each time with a promise that someone will take the call, but that never ever happened, leaving me in the dark with nothing resolved.

2. There is a promise on their website that the messages on the site will be handled within 48 hours, but indeed it takes 96 hours if not more than that, if at all.

3. A month ago they confirmed me that the address was changed, but then after a week or so I recognized that the address was not changed, so they told me that they couldn't change the address, since they address appears as an hotel ( which is not true at all nor is it near any hotel ) then the promised to escalate it, but it took them another several days to come back. If they couldn't change the address, how come they didn't communicate back to me in the first place, how come they left me in the the dark with replying and communicating with me while indeed they even wrote me back to confirm that everything is in order and updated!!!

4. This is also non sense as I confirmed the address which is an address in a foreign country why and how will they be able to confirm this, I'm the one here and telling them that this is the address while they are not even local to verify or argue with me on this.This is what I gave them this is what they should accept, anything behind that is behind the scope of their responsibility.

4. After confirming the address, they came back with a new excuse that since I'm represented by an attorney, they can't make any changes upon my request as any communication needs to come directly from that attorney. This can't be any more false than this a ) they made the initial change without my authorization and without the attorney 's authorization while I was already represented by legal counsel, so how come the first change they can do while the second they can't? b ) They have on file an authorization from my attorney allowing to communicate directly with me.

This is just even more confusing and seems just an excuse, as you changed this address to the current address while I was represented and without my or my attorneys consent.
Product: Credit reporting or other personal consumer reports

I HAVE CONTINUOUSLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO EQUIFAX, XXXX, AND XXXX. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME.

EQUIFAX : XXXX The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed. 


XXXX : XXXX. The following personal information is incorrect Date of Birth : XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed. 

XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXXXXXX XXXX XXXX. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed
Product: Credit reporting or other personal consumer reports

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). Experian is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt.

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( b ) " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. How is it possible that maximum accuracy is assured when the company is verifying erroneous information to the CRA through an ACDV, and hasn't provided you with proper validation of the debt?
Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA. 

Please provide information to the following questions When was the dispute started internally at Experian? 
When was the dispute sent to the original information furnisher? 
When did Experian receive a response from the original information furnisher? 
What information was sent to the original information furnisher and what detailed information was received from the original information furnisher in response to the dispute? The furnisher is required to investigate their records and ensure that they are accurate as well as Experian is required to have an INDEPENDENT role and actively investigate a dispute and compare evidence. The case law XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the judge ruled that Experian violated the Fair Credit Reporting Act by failing to compare evidence. Experian has failed to provide an INDEPENDENT debt verification, specific method of verification, and accurate debt validation. 

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: Credit reporting, credit repair services, or other personal consumer reports

i received a letter from XXXX XXXX XXXX about some kind of balance adjustment that was done to the account on file. Under the Fair Credit Reporting Act ( FCRA ), i have a right to the fair and accurate reporting of your credit information. Creditors or collectors are not allowed to report inaccurate information to my credit reports, and under the Fair Credit Reporting Act, i have a right to have it removed. the adjusted balance was around XXXX dollars. this also means they are reporting the information wrong on my credit report experian. i want this account permanently removed and blocked.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX XXXX found an auto insurance claim for the loss off our vehicle. XXXX XXXX XXXX  issued payment to XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. ck # XXXX in the amount of XXXX. The check was cashed without the endorsement of XXXX XXXX XXXX XXXX by XXXX. On XX/XX/XXXX we filed a forgery claim and sent the documents to XXXX XXXX XXXXXXXX XXXX XXXX. We had no response. I submitted a claim to consumer finance, case # XXXX. When an agent stepped in and got XXXX XXXX to respond and the claim was handled by XXXX XXXX XXXX. I found out later that she was as subrogation adjuster. I was given the info for XXXX, the claim supervisor who advised that a new affidavit would need to be completed. We completed that on XX/XX/XXXX. We communicated back and forth until XX/XX/XXXX when she emailed me to contact XXXX XXXX who is with XXXX XXXX. No other information except the email address : XXXX, and check #. I reached out to XXXX on XX/XX/XXXX. We have been communicating back and forth. The last update I received from her on XX/XX/XXXX stating that she was reaching out to her Fraud Specialist. I have been emailing her since and have not received a response. She also never provided me a phone number.
Product: Mortgage

I thought I closed my mortgage with Equity Home Lenders ( EHL ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX ( XXXX ) XXXX on or about XX/XX/2018 and I recently found in a credit check of myself, that they did not cancel the loan to avoid paying closing cost with the local XXXX XXXX Court ( XXXX ) until they had too. I found this out from my current mortgage holder XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, Louisiana XXXX ( XXXX ) XXXX who knew that EHL did not cancel my loan and withheld this information from me. 

The failure of both these companies EHL and XXXX has cost me financial and personal damages past and present. Presently, I was attempting a refinance loan to make renovations to my home, as my son is XXXX  and out of school due to the pandemic. He can easily injure himself and me, as I am in a XXXX XXXX  and I injure myself trying to aid him daily. 

I have attempted to reason with EHL and XXXX, but both seem mute to why I need have my original loan cancelled. They said they would make the changes asap, but weeks later I still have not seen any changes. 

I would like for your office to investigate EHL and XXXX  inability to reason and have them make the changes to the record. Investigate my files and all lenders past and present to determine how long they have been violating the lender laws. EHL has not refunded my overpayment of {$410.00} that I made several years ago and reminded them on or about XX/XX/2018. 

I can supply your documents via email upon request from your office.
Product: Mortgage

I notified XXXX  of an insurance error that resulted in high mortgage payments. XXXX assured me that they had taken care of the problem. And told me my payments was XXXX XXXX toldme my mortage payment was XXXX i paid it one time. I called them again saying i could not afford to pay this amount due to financial hardship and they assured me my mortgage paymentswas XXXX. Shortly afterwards i received notification XXXX was selling the loan to XXXX. When the loan was transferred to XXXX  I continue to pay my regular mortgage payments. I spoken with XXXX  about the situation aswell and they confirmed my payment was correct. A few months later I was being billed for XXXX again I reached out to them and they had me speak to representative to representative. Same thing happened with XXXX. when I finally spoken with someone they told me you are in bankruptcy and I can't discuss your loan with you. They continued to bill me at XXXX  monthly. Now I have received notification that they are selling to XXXXXXXX XXXX XXXX I am overwhelmed at this point I have had to seek help from so much stress these companies have caused me and my family. I truly believe we was set up for failure from the beginning from this company.
Product: Checking or savings account

I had checking/savings with sofi banking. I used /bought gambling online through XXXX XXXX XXXX XXXX XXXX I lost a phone that has debit cards inside so cut card XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I used XXXX XXXX XXXX XXXX XXXX XXXX with stored payment method card XXXX XXXXXXXX. Couple days later new card came in mail card # XXXX. So months go by I use XXXXXXXX XXXX XXXX  again XXXX I charge XXXX. XXXX on stored payment methods card XXXX XXXX It goes through. I call sofi bank and ask how XXXX XXXX XXXX is still active. They say it's not and will not work. I deposit XXXX more on XXXX XXXX XXXX XXXX XXXX still workingXXXX Call bank back and now arguing with manager. He goes on to tell me it's not card XXXX being charged but card XXXX. I never even activate the card yet or placed the numbers on XXXX. Then tells me it's XXXX XXXX giving XXXX my new active card info. So I call XXXX talk with a manager who contacts sofi while I'm on the phone because he couldn't believe what I was saying. Sofi hangs up after 5 minutes with XXXX I just let it be. Then months later down the road that lost phone gets found by someone. They get on XXXX due to all passwords saved into phone. And they decide to make a XXXX deposit to play for fun with my real bank account. I contacted bank soon as I seen it. They couldnt do nothing until charge was posted not pending. When depicting charge bank denied despite. On card XXXX XXXX that was cut off months before the charges was even made. XXXX even started card XXXX XXXX was card used on purchase they had no record at all of a card XXXX XXXXXXXX. I changed cards again and then card XXXX XXXX was finally non existent.problem then was card XXXX XXXXXXXX did samething XXXX did when I received card XXXX. How would a merchant still charge an old card deactivated without the bank allowing the charge. When calling back again they then stated it was a 3rd party company that would release the new info when old card was used. That's illegal to release any of my information to anyone exact government agency or IRS. I never got any of my XXXX back and had to change banks. How are they still open and doing this illegal actions towards people. Even read online they are paid by 3rd parties to release members info It's illegal to release any my card information to anyone with out my knowledge. Which clearly stated on their website that the do unless they changed that also. I had all the conversation stored under sofi chat app but what you know the deleted my account even once I empty it
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am writing to you to file a complaint against a company known as NCC Debt Collector, whose persistent and invasive harassment has been ongoing for an extended period, causing a significant infringement on my privacy and immense inconvenience. I am hopeful that your department can take action to address this issue. 

The Debt Collector is using multiple different phone numbers, including XXXX XXXX XXXX XXXX and XXXX, to harass me several times daily. Furthermore, they leave computerized recordings of meaningless numerical codes, simply repeating these codes during the calls. One such instance was on XX/XX/XXXX, where they used the phone numbers XXXX and XXXX to call me on the same day. The first call was XXXX and they called again in the afternoon at XXXX on that very day. This harassment has not ceased during my business trip to XXXX, they have continued calling late at midnight, significantly disrupting my rest and work. 

I understand that because of this harassment is a medical bill, but I must emphasize that I have expressed my concerns on multiple occasions, requesting that the Debt Collector contact the hospital and insurance company to verify the accuracy of the bill. However, they not only disregard my requests but persist in daily phone calls. While NCC Debt Collector claims in their correspondence that they can resolve disputes via email, they have refused my emails for various reasons, asserting that they only accept contact via phone and regular mail. This suggests a lack of transparency on their part, and it leaves me feeling highly uneasy. 

I kindly request your department to take immediate action to put an end to this harassment and protect my rights and those of other victims. I also ask that your department investigates the actions of NCC Debt Collector to ensure they comply with all applicable laws and regulations, and that appropriate measures are taken to curtail their abusive behavior. Thank you for your attention to this matter, and I look forward to your prompt response. I am willing to provide further information if needed.
Product: Checking or savings account

I opened an account with wells Fargo in XX/XX/XXXX following a {$300.00} sign up bonus offer. The terms indicated that {$1500.00} in deposits for 3 consecutive months were needed to qualify for the bonus. I did so inXX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. InXX/XX/XXXX I contacted Wellls Fargo to make sure I met the requirements. The rep stated that I did and that I needed to wait 45 days to see the bonus in my account. In XXXX I called back and was told to wait while they do research. After a few emails a person from the executive office called me and said that she can see DDs on my account but she needed to " research '' further. That was last week. the case number is XXXX.
Product: Credit card

I have received numerous unsolicited advertisements form XXXX Mileage Plus Visa credit card. I have attempted to contact them numerous times to remove my name from their mailing list. It is impossible to actually speak with someone who has the ability to remove my name as there are numerous transfers and extensive hold times ( over 10 minutes ). This company is putting my personal information at risk and refuses to comply with my requests.