23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX XXXX - XXXX XXXX XXXX {$480.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from my credit report.
Product: Checking or savings account

On XX/XX/XXXX I received an email that my card had been added to a new device, I caught the email too late and by the next day XX/XX/XXXX over XXXX was gone from my checking account. 13 transactions in another state, I filed a claim with chase and they said due to it being XXXX XXXX, they had to open an investigation, and then I could not get a credit so I would have to wait two weeks to see any funds back into my account. after two weeks, I received a email from Chase, stating that my claim was denied due to me authorizing these charges. I immediately called Chase to speak with somebody, and they said that the claim/investigation that Chase did was wrong and they didnt get the information they needed from me so they created a new claim and told me that I will now I have to wait two more weeks for my funds to be returned to my account if proven that I did not authorize these transactions. that was upsetting so I asked if I could speak with somebody higher up to see if they can help me since Chase messed up on the first investigation with may be getting some funds into my account since I have not been able to pay my mortgage. I spoke with a claims supervisor, who was very aggressive, and said that I will not be seeing any money in my account until theyre done with their investigation, even though he admitted to fault from chase first investigation. He then hung up the phone and told me that we were going in circles and I will not be getting any money in my account, and that his answer will not change. I called back and spoke to another supervisor who agreed that they will not be returning any money to my account until the new investigation is done and the best she can do is try to expedite a new investigation due to chases negligence. so I have now been two weeks with over {$3000.00} missing from my account and Chase has done nothing to help me except for mess up an investigation and then tell me that the best they can do is try to expedite a new investigation. I have had an account with Chase for almost 10 years and I have never had a situation like this happen so I dont understand why they can not help me with my funds.
Product: Credit card or prepaid card

Discover Card is the company I just received an email late evening on yesterday stating that my card was closed due to inactivity. Are you guys serious? The whole world is in a crisis/pandemic and has been for a year now so of course I haven't used my card. For a while we weren't even supposed to leave the house due to quarantine. I had to take this serious as my mother who has XXXX lives with me. I have been trying to be responsible while being unemployed due to Covid by not using my cards and possibly not having a way to pay it back. I made sure all my cards were paid off to a XXXX balance and wanted to have it in case of emergency. Your rates are too high and therefore a lot of stores won't even accept your card just like XXXX XXXX. 

I take my credit serious and to know that if I was somewhere trying to use this card and got declined I would be really furious especially during times like this. I would like this decision to be reversed since I have been a good, faithful member with no late payments. There was no courtesy call or warning of closing my card just due to inactivity. This is ridiculous and unfair.
Product: Credit reporting or other personal consumer reports

I noticed hard on my report from XXXX XXXXXXXX i never gave XXXX XXXX permission to run my credit
Product: Checking or savings account

Executive Summary : SoFi unilaterially cancelled my debit card, after changing from Visa to Mastercard. After promising to provide a replacement, SoFi has failed, after four months and six requests via telephone, to provide a replacement card. 

Early in XXXX, SoFi informed me that it was changing from Visa to  Mastercard for SoFi debit cards, would be cancelling my SoFi Visa debit card, and sending me a SoFi Mastercard debit card to replace it. From memory, the Visa debit card was cancelled at the end of XXXX, XXXX. When SoFi cancelled the Visa card, I had not received the Mastercard replacement. As of today, XX/XX/XXXX, I have made six phone calls to SoFi customer service inquiring about the replacement. The next-to-last call, on XX/XX/XXXX, the representative informed me that although I had updated my address ( I moved from XXXX XXXX to XXXX XXXX at the end of XX/XX/XXXX, at which time I change changed my address using the SoFi app ), SoFi was still sending cards to my former address in XXXX   XXXX. After a phone call today, I have spent 3.1 hours addressing the situation. For a sixth time today, a telephone representative of SoFi promised to send my a new debit card to my XXXX address. As I have no confidence in SoFi 's competence to complete this task, I am escalating my complaint to the CFPB. In addition to demanding my card, I demand compensation of {$620.00} for the time I have spent addressing the issue. ( {$200.00} x 3.1 hours )
Product: Credit reporting, credit repair services, or other personal consumer reports

Iv been Trying to fix my Credit report for XXXX  years with little to no results. According to the 15 U.S.C 1681 Law there should be no damages on my report, its a defamation to my Character. On XX/XX/XXXX threw XX/XX/XXXX. I opened a dispute on Experian Report number XXXX and nothing was done. The results were done on XX/XX/XXXX. I'm also a victim of identity theft according to Experian 0n XX/XX/XXXX. They offered no Remedy for that reporting. I'm also a victim of Experian Data breach and was offered no Remedy. I'm trying to get a simple loan and continuously get denied. Out of all disputes not once was I giving proof of me doing business or signing a contract with these company 's.
Product: Debt collection

To whom it may concern I write to you this letter in hope to receive mercy with the situation we are in. I've been a XXXX XXXX XXXX since XXXX. We specialize in XXXX XXXX and XXXX of XXXX XXXX. We are a XXXX XXXX XXXX and we take responsibility and pride for the work we do and how we treat our clients and business partners. 
In the year XXXX we made a wrong move by using our home equity funds to attempt to save the XXXX XXXX that was suffering from lack of finance, directly associated with the economic crash. 
We were trying to stay afloat and borrowed for business expenses associated with investments that eventually were all lost due to the market crash and recession that followed. 
Unfortunately XXXX XXXX XXXX XXXX to short sales and in regards to the equity line that was used for them, I was qualified for Obamas XXXX XXXX and as a result my equity loan with XXXX XXXX Bank account # XXXX was charged off in XXXX of XXXX The times were extremely hard, everything we worked so hard for was gone. We were struggling to XXXX day by day, devastated to be left with very little workflow and lots of bills. At that time my sister-in-laws family with their three children moved in with us for nearly three years, we were supporting each other in the devastating times for XXXX XXXX 
I was under the impression that the second loan was dismissed along with short sales and other losses we suffered. I was advised by the firm that was helping us through the crisis, that the government had a rescue plan for the XXXX crash, and we qualified for the benefit. 
For the next 13 years I believed in good faith that it was exactly that, I didnt see the loan any longer in my credit report, believing that in fact it was charged off. 
Recently, I received communication from XXXX, XXXX XXXX with an account # XXXX, After reaching out for advice to my financial consultant and XXXX associate, I came to a realization that the loan hasnt vanished, but instead, it has doubled in the amount and that now Im at risk to XXXX my home. Im investigating to see what happened and why the loan we were told got dismissed in reality is still pending. As I am searching for answers and trying to retain my home, XXXX is not accepting my offer to remove the lien of my property. Instead, they are asking for unmanageable amount as down payment and repayment of the loan that was charged of by government assistance in XXXX. 
As of today, the mortgage payment I have is already above 50 % of our family income and in good faith I will not be able to pull another loan. 
Im investigating the cause of failed loan forbearance, and unfortunately not getting anywhere. Please help me to figure out the best option to XXXX my home.

Im considering filing for bankruptcy at this time.

Thank you.
Product: Credit reporting or other personal consumer reports

The account in question is with XXXX - Account # XXXX I have disputed this account several times about the in accurate late payment history reporting incorrectly XX/XX/XXXX 30 days late. XX/XX/XXXX are XX/XX/XXXX both being reported 30 days late. Each time the account comeback verified with the same inaccuracy. This is a last ditch effort to resolve this issue. If this account not updated I will have no choice but to take legal action against Experian and XXXX I expect for this issue to be taking care of promptly within the given time frame. If not I will have no choice but to escalate the matter and take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a 30 day comply letter to the credit bureaus to correct the errors from my identity theft case and they kept fraudulent acounts on my credit report. they had 30 days to investigate and correct all errors and they did not meet the deadline. I sent the 30 day comply letter out on XXXX-2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

CNAC reposesed my car in XXXX  of 2015. They have in the credit bureau a date of last payment on XX/XX/2015. They also have a closed date of XX/XX/2015. The account was NOT closed the same date of last payment. Also, CNAC charged off the account less than 180 days after last payment which is ILLEGAl. They continue to try to hurt consumers who no longer want lemon cars. Their account needs to be REMOVED from my credit bureau never to come back.. It has been since XX/XX/2015 since we parted ways and I keep disputing their illegal reporting to the credit bureaus and no one listens. But they keep reporting so It can stay on my report. Please have them remove or the next step will beto take them to small claims court along with the credit bureaus also.
Product: Money transfer, virtual currency, or money service

This is a bank to bank transaction issue. I am trying to retrieve my money. 
On XX/XX/XXXX, I opened a checking/saving account with Citibank, and my husband transferred {$10000.00} and {$15000.00} from his XXXX XXXX account to this new Citibank account on XX/XX/XXXX and {$49000.00}, and {$500.00} on XX/XX/XXXX. 
All of the transactions went successfully to my account and the funds were reflected in my account balance. 
However, Citi suddenly closed my account after the fourth transfer, alleging fraud despite no such claims from XXXX or from us. 
Then I contacted Citibank, asking Citibank to return the money back to the sender 's account. but their agents provided inconsistent responses. 
Initially, an agent said that the funds would be mailed to us via check within XXXX to 60 days after the account 's full closure. 
However, another agent denied this and directed us to file a claim with XXXX XXXX, then we contacted XXXX XXXX, XXXX has filed a Reversal of Transaction claim to Citi, but Citi rejected this claim. 
Then Citi bank was asking a " Hold Harmless claim '' from XXXX XXXX, saying that this is the only way to retrieve the money. However, XXXX XXXX declined to file this claim as it goes against their policy, which only allows for a Reversal of Transaction claim in this situation. 
We've made over 10 calls to Citibank, each lasting more than two hours, we also tried escalating to a supervisor, and the supervisor refused to answer our call and did not call back.

Despite more than two months passing, Citi Bank still hasn't returned the money, and we're losing interest daily. Citi Bank still refuses to offer an alternative solution, insisting that XXXX XXXX needs to file a Hold Harmless claim. As a result, we feel that Citi Bank is treating us unfairly and that there is no way for us to retrieve our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I purchased a XXXX XXXX XXXX from XXXX XXXX  of XXXX. Two days later, my husband met with the same car salesman ( XXXX ) in search of a used truck. After running his credit, it became clear that his payments would be incredibly high due to his poor credit score. Someone, either my husband or the car salesman, suggested having me as a co-signer in order to reduce the amount of the monthly payment. Please keep in mind that I was not present and did NOT provide any authorization. Allegedly, my husband told the salesman that he was interested in running the numbers IF it did not require any additional inquiries into my credit. Supposedly, the salesmen informed my husband that my credit information was already on file so there would be no need to run it again. However, this turned out to be untrue because I was unpleasantly surprised to discover 17 hard inquiries on my credit report. XXXX XXXX of XXXX refused to correct this error on their part, stating that it would be my responsibility to contact each individual bank to request an investigation. That would amount to hours of phone calls and months of waiting. I called the credit bureaus and was provided the same answer. That I would need to contact each bank individually. I did absolutely nothing wrong here. I was clearly taken advantage of and nobody is taking ownership of this wrongdoing. My credit score is very important to me. Please, can you help correct this issue.
Product: Credit reporting or other personal consumer reports

See my attached ID theft report. 
See my attached Notice to file suit. 
See my attached highlighted transaction proof for all accounts ( such as over 7 years, irrational transaction i.e showing charged off but after payments being made?? With a XXXX balance etc ) ALL OTHER REPORTING AGENCIES have removed these account factually found them incorrect & the companies came back with XXXX refuted evidence and you just keep the dispute open and it's been past 180 days since my first one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely concerned about the actions credit bureaus are having on my life ... I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction ... I do not own the following accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On numerous occasions I have submitted billing disputes regarding a {$250.00} hotel charge in XXXX. The hotel was moldy and unclean. The pool was dangerous and unsupervised - a girl nearly drowned resulting in pool closure during most of our stay - and the staff incompetent. We complained fastidiously and were assured by the XXXX that the room would be refunded. Nevertheless, no refund took place. I raised numerous disputes with Amex to no avail. They refuse to issue a refund without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Debt collection

Hello this is XXXX XXXX XXXX. 
My issue is not with the debt of the mortgage as the mortgage is paid off. The attorney will answer by saying he does not have to answer questions as the debt was paid off over five years ago. 

The issue is the attorney from XXXX XXXX who represents Ocwen loan servicing did not consider my request to not email me as I have vision defects from XXXX XXXX. I asked the attorney to call me in future and this did not happened. I was sent letters in large font I did not request. Under the Americans with XXXX XXXX I asked for him to accommodate me. This was a burden to him. Another occasion he hung up the phone on me and my XXXX XXXX representative. I contacted the ombudsman at Ocwen about my treatment from the attorney not considering my request for a phone call. I do not use email often or computers because of my vision and headaches. 
Ocwen ombudsman has never called me back after my complaint about the attorney. I am choosing not to use the attorneys name as I would not want to embarrass him. Under the XXXX act I had rights and never got any opportunity from the attorney how I would like communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, TransUnion, and XXXX. Here is my tracking number. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681i-Procedure in case of disputed accuracy, if the completeness or accuracy of any item of information is contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Date Opened-XXXXXXXX XXXX XXXX Account type : XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX Date Opened-XXXX  XXXXXXXX XXXX  Account type-Collection
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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: Debt collection

XXXX XXXX XXXX XXXX is in possession my private information violating my right to privacy as a federally protected consumer stole my vehicle violating the Regulation F of the FDCPA and violating the code of federal regulation no contract or lien is in the system ally financial is in an ongoing dispute and has still failed to provide documents and books of account to show ownership of said vehicle publication 583 15 USC 49 UCC11 lien search indicates there is no lien provided UCC Financing statement Filing number : XXXX shows having interest in property 31 USC 3718 i am requesting there records that show they have a contract to steal property collect debt belonging to another
Product: Debt collection

I am writing to formally dispute an error on my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX  counselors has inaccurately coded the account referenced above as a revolving account. This is factually incorrect, as the account was never established as a line of credit or a revolving account. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they include in consumer reports. The inaccurate coding of this account as revolving has negatively impacted my credit score and does not accurately represent the nature of the account. 
I demand that this account be thoroughly investigated and corrected. Furthermore, if the error can not be verified and substantiated in compliance with the FCRA, I demand its immediate removal from my credit report. Please notify me promptly in writing regarding the results of your investigation. 
Attached, you will find supporting documentation to assist with the investigation. I expect this matter to be resolved within the FCRAs required timeframe of XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal they also violated my rights under 15 U.S.C. 1681 section 602 A section 1 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 an account without my written permission. 
The credit bureaus have 15 days to show proof how they verified my accounts are delete all inaccurate accounts from my credit report.