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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In regards to the entry of : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, ACCT # XXXX - XXXX XXXX XXXX XXXX XXXX, AS OF XXXX XXXX, 2017 {$320.00} AT : XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this credit collection entry. I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. With the on-going Equifax security breach, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. 
XXXX seems to be the only CRA that is the least bit concerned about bad information populating consumers account. You are n't as much ... why? 
REMOVE THIS ASAP!
Product: Credit card

I disputed a charge in the amount of {$160.00} transaction date XX/XX/year>. I received one letter from them saying they was investigating my claim and are working to resolve it as quickly as possible. Then I get another letting from them saying they completed the investigation and they credited the {$160.00} back to my acct. 

Now they are putting the charge back on my account again. I have sent them a copy of the letter they mailed to me saying they completed the investigation and credited my account. They are trying to come up now and say the company provided them with docs about the cancellation policy. This should have been provided to them before they closed the investigation on this dispute. Since they have already said they investigated and had put the credit on my account and it was ruled in my favor they should not be able to put this back on my account
Product: Credit card or prepaid card

HSBC advertised that I would receive {$150.00} in cash credit on my credit card if Charged {$500.00} within 3 months. I spent this amount within the 3 months. I tried repeatedly to receive the {$150.00} credit! I wrote 2 letters to the bank president. No answer! I was given the executive offrice telephone number. No answer! I left a message and a computer voice said I would receive a call withi 24 hours. No call! I tried again! No call! I was given a consumer help number! But it was not a working nunber! I wanted to know my PIN number bipartisan this was impossible to get as aforementioned!
Product: Mortgage

My mortgage was transferred to Roundpoint one year ago. Property taxes were due on XXXX. On XX/XX/XXXX, I received a mailed notice that the taxes had not been paid and will become delinquent on XXXX. I immediately contacted Roundpoint via email per instructions from their website and included a copy of the bill. 

I received an automated response that my message had been received, but I have not received any further communication since XX/XX/XXXX ( today is XX/XX/16. ) I have reached out several additional times and have not received anything other than automated responses. 

I am concerned that action will not be taken before the taxes become delinquent in less than XXXX weeks, or that I will not have sufficient time to take any further action I need to take ( if any ) once they respond.
Product: Debt collection

I want to see proof that this my debt a signature or a ID or something I just keep getting statements saying that the company verified it but there is no proof
Product: Debt collection

I am writing to you in an urgent and distressed state, seeking your immediate attention to a matter that is adversely affecting my mental health and financial well-being. My credit report, as provided by your bureau, includes a fraudulent account that has been consistently tarnishing my record. I am writing to formally dispute this account and request its immediate deletion. 
XXXX XXXX XXXX XXXX  -PLEASE DELETE!!!! 
It is with great frustration and distress that I address this matter. I have recently become aware that I am a victim of identity theft, and this fraudulent account is a direct consequence of this malicious activity. This situation has taken a toll on my mental health and is causing severe stress and anxiety as I am wrongly facing the consequences of someone else 's actions. 
Despite my efforts, the presence of this fraudulent account on my credit report continues to impact my financial standing and personal well-being. I implore you to consider the gravity of this situation and take immediate action to delete the fraudulent account from my credit report.
Product: Student loan

Navient. When I was experiencing financial difficulties they told me I have no opinions. For years I paid what I could covering interest only. They falsified information I could have used to pay off my loan earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan and was informed that only 1 credit check was needed. I consented to that, however it was ran on the XXXX as well as XXXX of XXXX. The assistant manager ( XXXX, MD Office ) told me it was not ran twice, even though there are clearly 2 inquiries on my report. I was on the phone informing her that it definitely was and stated the addresses reflecting on both inquiries. It was one from there corporate office and one from their XXXX, MD office. Equifax also confirmed it was ran on those 2 days as it is reflected on my report. I simply want the additional inquiry removed. There should only be one inquiry from this company, which would be th XXXX.
Product: Checking or savings account

XXXX2019 I have been BOAs branch in XXXX of XXXX, and I have take cash from ATM in this branch for {$100.00} dollars by twice, because the first time didnt work, then, when I check my bank app for transaction history, my account be charged twice, and the second day, all the account history be fixed, only appears once money out, and account still be charged twice, because balance never change.
Product: Checking or savings account

On or approximately XX/XX/XXXX I contacted Keybank because my debit card had been declined on a several recent attempts and upon my inquiring as to card issue, I was advised I should have received a letter stating they were closing my account. I have been using this account for over 15 years. Albeit I have has my share overdrafts, but I have paid the fees and brought my account current. I never received the letter which I was advised I should receive. On XX/XX/XXXX I received a letter from Keybank stating they had issued me a new debit card because the data of a company I had done business with was exposed and my account may have been compromised. The account number referenced on the letter was not my account number. On XX/XX/XXXX I called the customer service again to be put on lengthy hold, passed to another department which was never provided and again I was told my account was scheduled to be effective XX/XX/2020. During the time I was on the lengthy phone call I decided I should start printing my records ( statements ), within 10 minutes of completing the phone call I was locked out of my online banking access. I went to branch to request my money, but was advised they needed to check into the situation and didn't want me to close my account. I waited another day to hear the manager tell me he could not provide an explanation as to why, but that I was considered a risk to the bank. This is completely shocking ... I have been a banker for over 25 years and worked for Keybank for over 9 years, I am in no way a risk to the bank. Further, once I was told there was no alternative solution, but they were closing my account. I stopped in to withdraw my funds which had been on hold for over 14 days ... all of the deposits were electronic either my payroll or a direct deposit from an investment account. They would not let me take my money and in fact it took several additional days for me to determine they actually closed my account and were going to send me a check. This was very stressful as I had financial obligations and the funds were cleared. This was emotionally hurtful, bewildered and very stressful to my financial situation and honestly hold my money captive and determine when they would close the account and mail a check which then would need to be held with a new institution that would have no experience with me as a customer. 
I want a detailed explanation as to why I would be a risk to the bank with my meager funds and years of history, nothing changed with my banking activity with the exception of more direct or electronic deposits.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Has Violated my rights In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights 15 U, S, C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 section 604 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Wells Fargo notified me they were closing my account for false reasons on my 10th anniversary with them. They immediately blocked deposits to the account and held onto my federal salary that was transmitted to them the same day. I am still trying to recover those funds. My account only ever receives deposits from my federal salary, federal health savings account and federal travel reimbursements to closing the account immediately is draconian. This is a measure meant for drug dealers and money launderers. If they do not want me a a customer giving me a months notice would have been the right path to take so I would be able to make arrangements. 

They appear to feel they don't make enough money from me and are using bank secrecy laws to attack me rather than treating me as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681 states that if information on my consumer report isn't 100 % accurate that it should be blocked and removed from my consumer report. If XXXX XXXX XXXXXXXX is reporting information to XXXX and Experian the information should all be the same. 

On the Screenshot of my credit report that I have attached ( The Date Opened ) and ( Date Last Active ) is inaccurate. All information being reported should be the same and it isn't All XXXX parties are working together to destroy the quality of life by reporting false and damaging information to my consumer report.
Product: Student loan

I attended a financial aid meeting with a friend at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. XXXX XXXX XXXX, XXXX, PA XXXX. My friend was told that he would not need any private student loans because he would receive grants and federal student loans. I was asked to give my information to be used as a reference only. I did not question why my social security number was needed. I was added to a loan application as a cosigner without my knowledge or permission. All documents were signed electronically so I can not dispute my signature. The school applied for XXXX loans with my information. The XXXX loan was denied. The XXXX and the XXXX loan were approved. The school representative requested XXXX for one of the loans and XXXX for another loan. Those amounts were very high and again not necessary due to the PA state grants and federal loans my friend would receive. At the end of the day I am on the hook for over XXXX in private loans. I have battling back and forth with Navient formally XXXX XXXX about these accounts. Despite the charge offs I have a credit score in the XXXX. I was taught about credit at a young age and I would never have cosigned for a loan. XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX closed its doors in 2012 making it impossible for me to dispute any claims. XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX has been named in a class action lawsuit for fraudlent behavior and I feel that I am one of their victims. The loan was charged off of XXXX XXXX 's books years ago. I contacted XXXX XXXX XXXX the collection agency for XXXX XXXX and they were unable to send me information on the loan. I learned of the loan being handled by Navient by looking at my credit report. I contacted Navient and I was told by a Navient representative to dispute it through the FCC.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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, LA XXXX XXXX XXXX XXXX XX/XX/
Product: Credit reporting or other personal consumer reports

I have XXXX complaints:XXXX.I sent in a supporting document from XXXX stating I closed my account in XX/XX/XXXX. After an internal dispute with XXXX, they zeroed the balance as of XX/XX/XXXX. There should be no reporting after XXXX/XXXX. The late payments after I closed my account in XX/XX/XXXX should not be there. There should be no data reported and especially no late payments after XX/XX/XXXX when account was closed. I spoke with an agent and she said the supporting document, which is attached, only shows the account number for the card and not the credit reporting identifier number so they couldnt fix it for this reason. This should have been pretty easy to confirm with XXXX as part of my dispute. Please confirm and fix. The XXXX XXXX card number ending in XXXX ( as stated in the supporting document ) is correlated to credit report identifier number XXXX. Please verify with XXXX and correct my account. 

XXXX.I purchased credit monitoring for {$29.00} and I have not been able to receive online my updated daily credit score or credit report as of XX/XX/XXXX. Please refund the purchase price since I am unable to receive the services promised. 

Thank you
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent a letter to the courthouse asking do they report bankruptcy to the credit bureaus and I got a letter stating, they do not report any bankruptcies to any body, then I sent a email to pacer, and asked them do they report to any of the credit bureaus and they stated, they dont report anything to the credit bureaus. 
So if that is the case how did the credit bureaus edify my bankruptcy as100 % accurate.

They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) states that the Fair Credit Reporting Act ( FCRA ) requires users of consumer reports to be notified of their legal obligations. State law may impose additional requirements.

The FCRA, 15 U.S.C. 16811681y, governs access to consumer credit report records and promotes the accuracy, fairness, and privacy of personal information They also violated my rights numerous times.

The credit bureaus violated my right under 15 USC 1681.

According to : 15 USC 1681 section 602 A. I have a right to privacy.

According to : 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate See uploads for proofs
Product: Money transfer, virtual currency, or money service

My account has been disabled, and I have not been able to get into my account since XX/XX/2020. I have tried numerous times to reset my password the system lets me reset my password, but still I'm not able to get in. I have open numerous customer service tickets with support, but still have not have this resolved, I have spoken with support they say they are going to escalate the issue but again, they have not solve my issue. My account has grown in value, but I can not trade or sell due to not able to get in.
Product: Debt collection

Good evening, thank you for your time, My credit score has been around 780 - 800 for the past 1-2 years. I had nothing reporting derogatory for the past 5-6 years. All the sudden, I see on my XXXX  XXXX  on XXXX  that paramount collections recovery has report two  delinquent payments, since XXXX of 2020. my credit score dropped by 30 something points. I have not received anything, also do not know what this is for. So assuming this is out of statute at this time. i did email them to remove it, but have not heard from them.
Product: Student loan

I am receiving emails with other individuals personal loan information from my student loan servicer Navient. When I tried to research their Privacy statement it is mostly directed to sharing information to third parties. I believe it has to be some kind of breach of privacy if I am receiving other people 's emails and makes me wonder who is receiving my personal loan information.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$5800.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Mortgage

I applied for loss mitigation help and I was refused. I dont understand how my mortgage went from {$140000.00} to {$310000.00}. There were many payments missed during the housing crash but I dont understand how a company can add {$170000.00} to a loan because of missed payments. The property is worth {$120000.00} and they say I owe {$310000.00}. There has to be some kind of inflated number that Im missing here. This is just not a smart investment anymore. I know that Im just a number to them but if this house goes into foreclosure then someone will get it for probably {$75000.00} and we both lose. Id like to work with my mortgage company directly but SPS ( Select Portfolio Servicing ) will not allow me to. I dont understand why a mortgage servicing company has the right to tell you that you cant talk to your mortgage company.
Product: Vehicle loan or lease

This was back before I XXXX to XXXX I wanted to cancel my loan contract and returned the vehicle but the car store and us bank refused to buy back the vehicle which is a violation of the SCRA rights ... us bank told me I wasnt allowed to do that before XXXX and I didnt have much time so I just kept the vehicle in my possession even when I gave them a copy of my orders ... I totally forgot about this situation but I did told them about my XXXX and they swept it under the rug ... its real sad they will do a XXXX XXXX and most of all a XXXX veteran like that
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 XXXX I sent XXXX BNB from my Trust wallet address to my binance.us app address. It said it was successful in my trust wallet but the funds have still not been deposited into my XXXX account. Also on XX/XX/2021 XXXX am I sent XXXX XXXX from same Trust wallet address to the same binance.us app address. I still have not received those find either. I submitted support tickets with XXXX customer support and have only received automated responses saying they received my request and that they are sorry for the delays. Those are the only responses I have received and have not received my funds yet.
Product: Credit reporting or other personal consumer reports

This matter has been litigated in the Court and moved to an arbitration hearing on XX/XX/year>. ( See Uploaded Documents ). this case has recently been accepted by XXXX ( XXXX XXXX. XXXX ) and a XXXX XXXX XXXX XXXX  has been sent to all parties on XX/XX/year> via email notification confirming said commencement. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 

This process initiation should have prompted XXXX XXXX XXXX to remove all credit reporting until this case has been finalized and adjudicated but they has failed to do so and said negative reporting still remains on my credit file against my approval and consent.