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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Please REMOVE THIS** following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX
Product: Checking or savings account

Response to complaint id XXXX. 
My employer did not receive any funds back from Citibank after my account was closed. The missed funds are in the amount of {$5300.00}. 
if citi bank really reverted the money back to employer till now they should receive right. its been more than 5months. please give me proof or confirmation of date time and transaction number details to track. If citi bank didn't reverted money back to my employer, please do now without any more delay and provide transaction details. 
please find attachment the response i got from my employer regarding money. 

my employer Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my TransUnion credit report as of XX/XX/year>XXXX  and noticed 2 hard Inquiries on it that was not authorized by me. This is unlawful and in violation of 15 usc 1681 and the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unapproved credit inquiries
Product: Credit reporting or other personal consumer reports

On different occasions I have disputed the collection card accounts that erroneously appear on my Experian and XXXX credit report without having an effective response to the request, and I even made an identity theft report that I also sent but it is observed by Experian and XXXX that they did not carry out an efficient investigation to determine that the account that appears on my credit report does not belong to me and they even put an address on the account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other companies XXXX and that is why I request that these erroneous accounts that appear in EXPERIAN and XXXX be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information below is the wrong information shown on Experian and XXXX. XXXX XXXX XXXXXXXX Account Number XXXX : Please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection XXXX from XXXX XXXX which was fraud. My brother use my personal information with my consent. The amount of the collection in the amount of {$900.00}. I have small loan inquiries which I never applied for. I already informed the FBI about the issue. And I am a victim of mail theft and identity theft.
Product: Debt collection

TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX XXXX, PA XXXX They have a collections present on my credit report that I am not familiar with nor can I locate more information about / resolve. 

{$81.00} in collections/ past/ overdue for a XXXX account I have not had a XXXX account nor can find any information related to a past XXXX account
Product: Mortgage

i applied for my XXXX XXXX mortgage modification. Mr. Cooper only allowed thier standard modification. I can not afford this, and i have the right to be considered for the XXXX XXXX modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : ( XXXX XXXX XXXX XXXX XXXX Date XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2XXXX XXXX XXXX  Inquiry Date XX/XX/2020, XXXX XXXX XXXX Inquiry Date XX/XX/2020 )
Product: Debt collection

Midland Credit Management is trying to sue me after I submitted a debt validation letter by certified mail. They were also motioned to dismiss in court after failing to meet the laws of the ( FDCPA ) & ( FCRA ). In my validation, I requested they first show proof they own they debt, and copies of all charges and statements to validate the amount. Under law Debt collectors must prove that they own the debt when they file a lawsuit. When debt is sold or assigned prior to the lawsuit, proof of the assignment must be provided and a written assignment must be attached to the lawsuit. 

All they showed me was a statement with an amount. That's it after a few months. They only proved that they have a statement which I don't owe. They are known for and sued in the past for such violations.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX AND I AM NOT A XXXX XXXX AM A NATURAL PERSON SUBMITTING THIS COMPLAINT ON MY OWN BEHALF. 

RE : TRAFFICKING BLOCK REQUEST Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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  Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act [ 15 U.S.C. 1681c-3 ] Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Trafficking documentation, FTC report.
Product: Credit card or prepaid card

I opened a Discover credit card in XXXX of XXXX. I understood that it was a no interest charge card. An interest charge has never appeared on my mobile banking app. For months I have been trying to pay down my credit card with no success. On XX/XX/XXXX I opened a chat with Discover. I was informed that I was being charged interest ( nearly {$3000.00} in the last 24 months alone ). I went back through my statements on my phone and saw XXXX interest charges. When I asked about this the representative told me that interest fees do not appear on their mobile app statements, only on a computer. I do not have access to a computer. When I told them that, they attempted to transfer me twice, only to not respond after 20 minutes.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), has violated my rights. 

I looked at my credit reports on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 tinformation is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately around XX/XX/XXXX I called all three credit bureaus about credit inquiries illegally not authorized on my credit report also. I spoke with XXXX and they had a glitch in there system in XX/XX/XXXX.  Inquiries that were deleted are back on my report as well and I was not notified by mail in the time frame that was supposed to be notified by law. These inquires added a hardship and my rights were violated by XXXX as well as the other two credit agency. As a resolution I ask that all my inquires be permanately deleted from my XXXX report as well as Equifax and XXXX.
Product: Credit reporting or other personal consumer reports

Disputed items that were on my report due to fraud and they were not removed, although they were removed from the other bureas
Product: Mortgage

Please cross reference this complaint with a previous filed complaint # XXXX against XXXX XXXX XXXX. Bank of America , N.A . ( " BANA '' ) was the previous alleged servicer/debt collector for the loan. On XXXX XXXX, XXXX, I sent a letter to BANA ( attached with complaint ) requesting information on a Beneficiary Declaration. I asked if a Beneficiary Declaration was sent to the foreclosure trustee company, XXXX XXXX XXXX and if one was sent, to please send me a copy of it. I received a response ( attached with complaint ) from BANA, dated XXXX XXXX, XXXX. The response did not answer my question, and instead it totally ignored my request and directed me to ask any questions to XXXX. I sent follow-up letters ( attached with complaint ) to BANA on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, requesting the same information in both. I have yet to receive any acknowledgement or response from XXXX at the time of filing this complaint on XXXX XXXX, XXXX. I request that the CFPB compel BANA to answer my request and provide the information requested. BANA has my permission to communicate with the CFPB on this matter. 
The subject property is XXXX XXXX XXXX, XXXX WA XXXX
Product: Mortgage

Hello I need your immediate help because XXXX XXXXXXXX XXXX XXXXXXXX is proceeding with the Forclosure process while they are supposed to be considering me for the XXXX XXXX under the presence of Financial Counseling for Mortgage Forclosure. They are not properly communicate between departments and my XXXX  XXXX XXXX and are delaying my approval and working at a glacier pace. I need your help to ensure that I can keep my home!! 

I have spoken with the servicer, and they have confirmed you are still on Foreclosure hold. 



Here are notes about being in contact with your servicer. 



They initially denied you for all loss mitigation options under the new XXXX  waterfall implemented by servicer of XX/XX/XXXX. I had them send over reason for denial on all loss mitigation. They stated the reason you were denied for XXXX is due to less than XXXX payments since origination. After review of your case, they miscalculated the payments made applying the Partial claim awarded in XXXX to the payments, when those were used to bring your loan current in XXXX. Due to this they miscalculated the months of payments in origination. I brought this to your servicers attention XX/XX/XXXX, stating to review for the XXXX XXXX  again since you have in fact made XXXX payments since last origination of loan. I was told XX/XX/XXXX that the information was given to the group that processes the XXXX cases. I followed up beginning of XXXX through a phone call where they stated they did not have a response from the team and then followed up again by email XX/XX/XXXX asking if they had an update on the case as well. After my phone call again today XX/XX/XXXX the servicer had stating they are pushing it for review, but no movement on the file has started now stating that it should start the review early next year. After the call they did send a follow up email stating that they are following up to see when the review will actually start and attached the letter and explained that the foreclosure is still on hold and letter given was for some sort of counseling. I did inquire more information about the letter and why it was sent and why counseling was needed based off you already being provided counseling on how to avoid XXXX and we are just waiting on them to process the loss mitigation.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} Charge-OFF XXXX XXXX XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 XXXX business days after the date of receipt.
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 168b permissible purposes of consumer reports. 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. 

NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXXXXXX XXXX  XXXX XXXX ALXXXX ADDRESS : XXXX, XXXX XXXX XXXX AL XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, XXXX, and Equifax on XXXX XXXX. I still havent received anything back. according to 15 U.S.C 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, XXXX, and Equifax have 30 days to respond to my dispute this is a violation of my rights
Product: Debt or credit management

Hi, my name is XXXX XXXX. I'm already set here and paid Lexington Law firm Handle my credit and give me a credit report and all other services that I never received. Please help..
Product: Bank account or service

I 've been waiting for a month-and-a-half on a new debit card. 
I call your XXXX number customer service and tell them I had ordered one online myself for self service did not show up in the system anywhere so then I was told to physically go into the bank branch asked her to tell her to order me one and send it to the branch. 
The teller then argues with me that that was the wrong thing to do to wait on the other one gives me a temporary card and sends me on my way I 'm thinking she went ahead and ordered me another card now here I am 10 days later still no card no phone call so I call the service line again to discover a card was sent to the wrong address the day that I went into your branch to take care of this matter your customer service rep took way too long to process a transaction that was in front of me because she was too busy laughing and carrying on with that customer has the line grew behind me longer and longer when I made it to the counter you had about XXXX people deep waiting as she laughed and joked with the customer in front of me and did not care to move any quicker or move on about her business in this process I have discovered my letter was not taken very seriously and was not resolved. 
So here I am XX/XX/XXXX with no debit card sure I have a temporary one that I can function with but I do not have one that I can sign payments to because I 'm going to get a new one and now I have to wait another 10 days
Product: Bank account or service

In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX AAdvantage miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account for at least 2 consecutive months, and making at least {$1000.00} in total debit card purchases. 

After enrolling with the promotion code, I contacted Citi to confirm that they had my XXXX XXXX AAdvantage number ( XXXX ) and I also received confirmation that the XXXX bonus XXXX XXXX AAdvantage miles offer was successfully attached to my account. 

During XXXX of 2016, I confirmed with Citi that I had successfully fulfilled all of the terms of the offer and I was told by Citi to expect my bonus miles on or before XXXX XXXX, 2016. 

On XXXX XXXX, 2016, I did not receive my bonus points as promised. 

Citi is now stating that they require the original bonus insert, which would have been sent out 6-8 months ago. It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. I disposed of this mailer after opening my account, since Citi customer service confirmed to me that I was enrolled in the offer Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.
Product: Payday loan, title loan, personal loan, or advance loan

I TOOK OUT A LOAN WITH THIS COMPANY IN XXXX DUE TO FINANCIAL HARDSHIP, I HAD THE INTENTION OF PAYING THIS LOAN BACK, HOWEVER I WAS TERMINATED FROM MULTIPLE EMPLOYERS LOSING EVERYTHING I OWNED LEAVING ME HOMELESS AND UNEMPLOYED IN WHICH I HAVE BEEN SINCE XXXX ALONG WITH XXXX SUPPORT FROM ANYONE ALONG WITH XXXX UNEMPLOYMENT BENEFITS, I HAVE ASKED FOR THIS DEBT TO BE FORGIVEN MULTIPLE TIMES ALONG WITH PROVIDING HARDSHIP DOCS AND I EXPLAINED THAT I HAVE NO MONEY OR ANY RESOURCES. I WANT THIS DEBT FORGIVEN ALONG WITH {$25000.00} FOR LOST WAGES AND FINANCIAL DURESS BEFORE I SUE THEM!!!