23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I reached out to Netspend when I found out that I had bought something that was not gon na happen they were concert tickets for somebody who is not performing. Then I called nuts then told him about what was going on turn my head all the documents and emailed it. Then on XX/XX/2020 I was told my refund for dispute would be put back on account on the XXXX it is now XX/XX/2020 so I called was hung up on, giving fake names with fake employee numbers and 3 different stories. Spoke to a supervisor and now they are claim XX/XX/XXXX I will get my refund. Nonsense all the way around. Their fees are a complete rip off not what a saw when I applied for card was a setup to scam money. Instead of going after collection agencies the government needs to go after companies who steal from hard working people.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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

On XXXX XXXX a dispute was submitted for an unknown account on my credit report. I have no knowledge of this account. On XXXX XXXX. The account came back verified. I have not been provided any verification or any Information that confirms the validity of this debt. I have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX  ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

This same incident occurred with other unknown accounts being reported and no investigation is actually being conducted.
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 XXXX XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

In XXXX I purchased a vehicle with XXXX XXXX XXXX and made my payments on time and paid out the account in XXXX. XXXX XXXX XXXX reported everything to Experian and it helped my credit score a great deal. Recently I checked my credit report again and noticed my score had dropped and that, that account was no longer on my report. Experian is claiming that while XXXX XXXX XXXX did everything they were supposed to, because the company that reported to them is no longer in business they have deleted all of the information submitted by them. Experian now has a fraudulent credit score for me because they have manipulated it by deleted an account on my report that was in good standing and they refuse to do anything about it.
Product: Credit card or prepaid card

On XX/XX/2020 Some one purchase XXXX XXXX  and I didn't purchase this on my credit. When I tried to cancel it it would not cancel. This is an ongoing issue with this Paypal credit with Synchrony Bank as some one hacked my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  was discharged in Chapter XXXX Bankruptcy on XX/XX/2008. Mortgage was sold to Selene Finance LP. Selene Finance LP is reporting the account as delinquent to credit agencies, XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

TV is everything in accordance with The Fair Credit Report act XXXX account, XXXX  XXXX XXXX XXXX . XXXX XXXX, MN XXXX ( XXXX ), XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, has violated my rights. 15 USC 1681 602 Section A States I have a right to privacy. 15 USC 1681 section 604a section 2 : and also states that a consumer reporting agency can not furnish an account with out my written instructions.
Product: Mortgage

My loan was originally with XXXX XXXX XXXX. After putting in at least XXXX modification packets it was sold to a company called Selene Finance in XX/XX/XXXX. I received a letter stating that my most recent modification packet was also sent along with our loan. However of course Selene says it did n't receive the information so we had to resend a new packet to them. All of this information was sent and now we are being told after receiving a letter with a check off list of all the documents that were sent that they do n't have them and we are to overlook the letter. That 's not the worse part of my complaint. I have been told for the past few weeks that if I do n't allow a real estate agent in my home to take pictures that our modification wo n't even be considered. I was told on the phone on XXXX XXXX, 2015 that my house is valued at least around {$170000.00} so why in the same conversation you tell me that if we do n't allow someone inside to take pictures of the home you ca n't get an appraisal of the property but they continue to have someone show up at my home almost every other week since they took over the loan. I was also told last week on XXXX XXXX and on yesterday XXXX XXXX that I need to allow them in my home or my modification wo n't be looked at. I have never none this to be the only way to get an appraisal or even be able to be considered for a loan modification when you have everything that you need. I feel as if they have no interest in even doing a modification and for them not being able to come in my home and take pictures will be the excuse they do n't look at our packet and consider helping us save our home. I was told by XXXX to make a complaint here. I really hope it will help.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED ALL LAW ENFORCEMENT AGENCIES AND MADE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXX and XX/XX/XXXX CRA. On XX/XX/2020, I mailed Equifax, XX/XX/XXXX and XX/XX/XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block the items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXXXXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX  Balance Owed : {$300.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$540.00} XXXX XXXX  Balance Owed : {$310.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked by credit report and saw accounts reporting that I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing that I have XXXX accounts with them ( revolving, mortgage, installment, other ) yet when I pull my report from MyFICO there is a score and a report with many accounts ( about XXXX ). I've tried speaking to Equifax and they are saying that I don't have any current accounts but this is untrue. I don't know why I can pull an Equifax report through FICO that is accurate but their own website is innacurate. I am closing on a mortgage in a couple of weeks and they can't generate a score due to this issue, therefore I can not get my mortgage at this point. The mortgage company was able to pull an Equifax report in XXXX of XXXX and XXXX of XXXX without issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I recently checked my credit report and I noticed several inaccurate items. I did my research on how the government/credit bureaus suggest I file my dispute. After going through the necessary steps I filed the dispute on XX/XX/XXXX and to this date XX/XX/XXXX I have not heard anything back from each bureau. I made them aware I just found out my information was compromised in the XX/XX/XXXXdata breach. At this point Im afraid my information may have fallen into the wrong hands without my knowledge.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check for {$100.00} ( # XXXX ) drawn on XXXX XXXX to my Bank of America checking account - account # XXXX. The receipt stated that funds would be held until XX/XX/XXXX. The funds were available in my XXXX account because I received my paycheck by direct deposit in the amount of {$2400.00} on XX/XX/XXXX ( see attached document from XXXX XXXX   showing the direct deposit ). 

The deposited check cleared on XX/XX/XXXX ( see attached photo of the cancelled check ). I called Bank of America on XX/XX/XXXX to explain that the check cleared and ask them to release the funds. After being on hold for 20 minutes, a Bank of America rep took my call. The rep stated that despite the check clearing on my XXXX account, the funds still would not be released until XX/XX/XXXX. 

When I asked to speak to a supervisor, I was told that the supervisor was busy with another customer. 

I have been a customer with Bank of America for 16 years and my account is in good standing. There is no reason for funds to be held for 14 days.
Product: Mortgage

We have submitted numerous documents to obtain a loan modification from Specialized Loan Service, ( XXXX ) Loan No. XXXX. I never received their correspondence, even though I had a forwarding address since XXXX XXXX, XXXX ; they sent mail to the old address. I recently received the letter dated XXXX XXXX, XXXX, on XXXX XXXX, XXXX. I never received the requests for documents that were mentioned in the letter, and SLS has not set forth the documents that are needed. A Trustees Sale is set for XXXX XXXX, XXXX at XXXX. 
No reason for declining the modification was stated. We have submitted a new application.
Product: Credit reporting or other personal consumer reports

It has come to my attention. My personal information has been exposed in the national data breach reviewing my credit reports I noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt however, the information has not been provided due to my information being exposed, I have submitted a FTC complaint reporting the info. I am not familiar with.
Product: Checking or savings account

My XXXX in XXXX XXXX XXXXXXXX passed away on XX/XX/XXXX and was a Citibank customer. I am her executor but live in Arizona where there are no Citibank branches. 

I contacted Citibank after obtaining a court appointment from XXXX XXXX XXXXXXXX probate and was told that I could fax or mail information showing my appointment including a copy of my drivers license, court appointment, and death certificate. I did not want to send PII information via fax and requested secured email, but was told they had no ability to accept secured email. I never received response from Citibank and called times between XXXX and XXXX for updates but only was able to get to their general customer service line. I chose to re-send, via certified mail, the original requested information. 

On XX/XX/XXXX, I received a letter from CB confirming receipt but indicated I now needed to send a notorized letter providing instructions. ( This was included in my original request ). I followed up along with a death certificate of the additional signer on the account ( my mother who died a year before ). 

On XX/XX/XXXX, I received 2 checks in the amount of {$17000.00} and another for {$.00}. This equates to approximately was in her Checking Account. I called Citibank today ( XX/XX/XXXX ) to inquire on her Savings Account which as a balance of approximately {$100000.00} with the number listed in their correspondence and was told by customer service that they were " unable to talk to me '' given I'm not listed on the account. They noted that they could not connect me with the department that processed the check nor could they help me. They said to call the same number that I had just reached them on. 

I'm a CPA and have been the executor ( unfortunately ) for other passed family members. I have never seen a financial institution act in this manner. It has been 10 months since my aunt passed and the account is yet to be closed properly.
Product: Credit card or prepaid card

To the office of the CEO. 

I was charge incorrectly by a merchant on the amount of {$3400.00}. I called XXXX to PNC Bank to dispute the charges and was asked to resolve the charge directly with the merchant. It took a while for the merchant credit to post to my account. In the meantime, I was charged interest amounts of XXXX and XXXX each month the charge had not been credited. 

I am requesting a refund of the rolling interest on the charge and to remove the amount from interest charges.
Product: Credit reporting or other personal consumer reports

Called XXXX XXXX XXXX @ XXXX after being transferred from XXXX XXXX XX/XX/XXXX to inquire about credit card account that was sold to them by XXXX XXXX XXXX XXXX This account was written off by XXXX XXXX XXXX, original date opened was XX/XX/XXXX. Balanced updated by XXXX XXXX on XX/XX/XXXX. I advised the rep that I wanted to pay the balance to alleviate the debt to remove from credit report. Representative advised me that they have no record of the account. My first call was 5 days ago at and I was told to call back today. I was told that they have no record of this account again. There is an uploaded copy of the XXXX XXXX XXXX information on this account.
Product: Mortgage

In combination with XXXX, Navy Federal has either closed on denied my applications without my consent, knowledge or ensuring their loan officers, processors and/or underwriters were abiding by the many laws, rules and regulations put in place to protect the public. In addition, I am a protected class member, falling under 5 of the 9 member groups. 

I identify as an XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX. As for XXXX, I identify as XXXXXXXX XXXX XXXX, over XXXX XXXX XXXX, XXXX veteran ( 100 % XXXX XXXX XXXX  as of XXXX by the department of veteran affairs ) as identified by many federal and state statues ( currently TX and IL ) including Civil rights acts of 1964 and the ADA. 

It should also be noted that during Navy Federal opting out to allow me to obtain mortgage loans, I have been approved multiple times by multiple mortgage lenders. 

First application XX/XX/XXXX while still living in XXXX, TX, provided NF with the Loan estimate requested by the bank and they never provided any response if they would meet, beat or new terms based on the XXXX XXXX XXXX At this time the only property being sold was the other XXXX I owned. 

I applied again XX/XX/XXXX informed NF about my XXXX and limitation and even informed the loan officer of this as well. XX/XX/XXXX, received a denial package ready notification. 
The loan officer was asked to open the portal to allow me to submit all required docs, as I informed XXXX I keep them handy and updated, never received any request but received an email denial.
Product: Mortgage

Morning, I have been in my home for XXXX XXXX now. I set up my payments to come out of my check every XXXX weeks with the first mortgage company, and BSI Financial purchased the loan. No issues for the first year, then the payment for the escrow went up, fine but my payments still came out of my check every two weeks and I would send any additional monies in a check. BSI is reporting that my mortgage is late on my credit report but is not charging me late fees, and on months that they receive an additional check from me I requested that they put it toward the escrow first and any remaining amount toward the principal and I still send a check. Every month I receive a phone from BSI saying I owe them additional money and I have to call my Credit Union and give them the transfer code. In the meantime, they are have ruin my credit which I was trying to rebuild after XXXX years of being out of work. I have served my Country and I'm trying to do the right thing. I'm doing the same thing and going above and beyond to meet my obligation to still get shafted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/21 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed this inquiry, which I believe to be inaccurate/unauthorized. I have not authorized any entity to make this inquiry nor do I have any recollection of engaging in any activity that would prompt such an inquiry.
Product: Credit reporting or other personal consumer reports

all three credit bureaus ( experian, XXXX, and XXXX ) are reporting accounts that i never gave written permission to furnish any accounts on my credit report the following accounts are ones i did not give permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I received an offer from Citi Bank. The offer stated that if I were to open a new Citi Gold checking account and make two online bill payments in consecutive months that I would receive XXXX thank you points. I called to see if I was eligible before I opened the account and Citi assured me that I was eligible. I opened the account and made the online bill payments. I then sent Citi a direct message asking them if I would receive the XXXX thank you points. They told me that I would receive the bonus points and that I had met the requirements. They told me it would take 90 days to receive the points. It has been more than 90 days and so I sent Citi another message asking about the XXXX thank you points. They told me this time that I was n't eligible for the bonus.
Product: Credit reporting or other personal consumer reports

I have a XXXX account on my credit report that I don't recognize. I informed the collection agency, the original creditor, and the credit bureau ( XXXX, XXXX ) that I had no ownership of that account. I'm not sure of what happened and why I have two accounts with XXXX.
Product: Credit reporting or other personal consumer reports

After further review of my Experian credit report, I've noticed there are 3 names, 37 addresses, 4 employers and 3 phone numbers and 1 Hard Inquiry which do not match my current records. I need ALL addresses on my Experian credit file DELETED. Addresses reporting on file I do not reside. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is a non-mailable address and therefor inaccurate. Updated address is : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. Updated Name : XXXX XXXX XXXX. Please remove ALL phones numbers on file. Please remove ALL employers from credit file. Please remove 1 hard inquiry.

Failure to remove the requested information will result in an immediate violations of my right to privacy as a federal protected consumer. Further furnishing of the data herein beyond the request for removal will further result in violations of 15 usc 1681n - willful non-compliance.