23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

BACK IN XXXX I DISCOVERED I WAS A VICTIM OF IDENITY THEFT. ( SEE POLICE REPORT ) SOMEONE OPEN UP A PAYDAY LOAN IN MY NAME. I LATER DISCOVERED THEY OPEN UP A XXXX XXXX CARD IN MY NAME WHICH XXXX HAS REMOVED FROM MY CREDIT FILE AND SO HAS XXXX. BUT NOT EXPERIAN. ALSO THERE IS A FRAUDULENT XXXX XXXX XXXX ACCOUNT IN MY NAME XXXX AND XXXX HAVE DELETED NOT MY DEBT. IF YOU LOOK AT THE DATE AND ADDRESS ON POLICE REPORT FROM XX/XX/16. YOU WILL SEE I RESIDED AT XXXX XXXX XXXX XXXX XXXX .I AM ASKING CFPB TO INVESTIGATE AND ASKING EXPERIAN TO REMOVE THESE 2 ACCOUNTS FROM MY CREDIT FILE. THERE IS ALSO UNAUTHORIZE INQUIRES THAT I DID NOT AUTHORIZE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. There has been an unauthorized credit inquiry that has been performed without my expressed, or written, permission. 

Experian Inquiry - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Acceptable Resolution : The aforementioned credit inquiries should be removed from my credit report. These were performed without my consent or knowledge.
Product: Mortgage

My COVID-19 forbearance plan expiration is near, so I inquired the workout options available. I was requested to submit a loan assistance application for review, but the only options available are deed in lieu and sale of property. My intention to enter a forbearance plan was due to the fact that tenants residing at the subject property had been unemployed, unable to pay rent. This situation affects my ability to make mortgage payments. Without rental income throughout the forbearance period, a reinstatement or a repayment plan for the missed payments during forbearance is near impossible. 
Tenants are now able to make rent payments regularly, but payment deferral is not an option offered by SLS.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a delinquent payment posted to my credit report for my NAVIENT account ; however, this was the fault internally of NAVIENT when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my XXXX Degree, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through rehabilitation in XXXX. I never received any type of correspondence from NAVIENT regarding the status of my forbearance. I then started to look into going back to school to obtain my XXXX Degree. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my NAVIENT account. From when XXXX XXXX was the servicer back in XX/XX/XXXX This was when I was still in rehabilitation and determined to be 23 % XXXX from being hit by a drunk driver, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current XXXX  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my XXXX degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as 120-149 Days late under worst payment status. under Times 30/60/90 days late 0/0/1 appears. How can I not have marks under 30, 60 days late and a huge hit on 120-149 when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of Navient and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and NAVIENT Refuses to remove it. They hang up on me every time I try to talk to them about this.
Product: Checking or savings account

I have been a customer of XXXX for about 10 years, and they were purchased by Ally fairly recently. I trade stocks and options regularly, maybe once a month or more on average over that 10 years. I had positive experiences with XXXX and usually fund my account with wire transfers from my credit union. My issue is that Ally is allowing me to use the money WITHIN their system like they are required to, but they are extending holds on my funds of 10 business days. My account is not new, I am not new, I am not risky, I am approved for margin trading, etc. So what is with the extended hold that they refuse to even look at changing? The wires have come from my same checking account for the entire period, so the risk to them that somehow the funds will be attempted to be pulled back is zero. I think under the guise of risk management they are ignoring proper risk management and placing an unnecessary hold time to keep a low cost of funds or encourage more trading with the associated fees to Ally. It 's ridiculous in my opinion. When I attempted to resolve via chat with an agent, that was also disappointing.
Product: Credit card

I was trying to apply for a chase bussines credit card and I got denied for no reason, my credit is XXXX, when I call them they told me will send me a explanation letter which I never received, then I call again and still nothing, I do not know the reason for denial
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I discovered multiple instances of erroneous information, which include : Addresses that I have never resided at. 
Accounts that I have never initiated or maintained. 
Employment records indicating places I have never worked. 
An incorrect Social Security number associated with my profile. 
I immediately took the initiative to address these discrepancies and promptly contacted Equifax, one of the major credit reporting agencies, in an attempt to rectify the situation. Regrettably, despite my efforts, the inaccuracies in my credit report remain unresolved. 

As you can appreciate, these inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely impact my financial standing and opportunities.
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my credit report. I discovered multiple errors in the personal identifiers section. These inaccuracies pose a significant threat to my identity and could potentially cause severe consequences if left unaddressed. 

Furthermore, I need to highlight the incorrect reporting of my Name and address. 

In addition, I strongly insist on the immediate elimination of any employers and phone numbers incorrectly associated with my credit report. I do not provide consent for any unverified or potentially outdated information about myself to be retained or reported. 

I understand that it is the responsibility of Experian to ensure the accuracy of the information provided to lenders and other stakeholders. The erroneous data currently present in my credit report is not only diminishing my financial opportunities but is also negatively impacting my chances of securing my financial freedom. 

I have attempted to address these concerns through various communication channels, including letters, phone calls, and online submissions, but Experian has failed to respond to any of my inquiries. This unresponsiveness has left me feeling ashamed, embarrassed, and frustrated, as I am unable to rectify these inaccuracies promptly. 

As a responsible consumer, it is my duty to bring this matter to your attention as the competent authority within Experian. I kindly request your immediate intervention to ensure the verification and removal of all the inaccuracies mentioned above within the shortest possible time frame. 

Please understand that time is of the essence in resolving these issues. I urge you to take immediate action to correct my credit report so that I can regain control over my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes to Transunion, XX/XX/XXXX andXX/XX/XXXXabout the identity theft incident that I was involved in last year, they have failed to respond to any of my disputes and they have broken multiple laws in the FCRA and the Consumer rights act I am asking the CFPB to reprimand them for violating multiple consumer laws and failing to validate any of these fraudulent accounts that they are reporting.. I demand compensation as I have been sick with XX/XX/XXXX and haven been able to work or receive assistance due to their reporting of this false information on my credit report
Product: Credit reporting or other personal consumer reports

this is reporting as a chargeoff and I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law.

Please also enclose a printed copy of my payment history or you may also email it to me XXXX XXXX XXXX. Please do not send any marketing or other account information to this email address. I have no desire to have spam at this location and I track everything by standard usps mail
Product: Credit reporting, credit repair services, or other personal consumer reports

I attached letter stating the only way they would reinvestigate if they have Cancelled check or money order showing payment, etc. I have enclosed on the previous dispute the required documentation. I have a CASHIER CHECK FROM XXXX XXXX  CASHED BY XXXX XXXX AT XXXX XXXX  AND DATE ALL ATTACHED TO THIS LETTER AND THE PREVIOUS LETTER 'S.
Product: Money transfer, virtual currency, or money service

I was scammed {$1200.00} on my venmo transaction. 
XX/XX/2022 XXXX app-used couch He was on his way to new place with moving truck and wanted to pick up Emailed received with cashier check ( deposit money for the moving company ) Asked if I can deposit that and keep {$250.00} and send the rest using venmo. 
XX/XX/2022 I deposit the check. 

XX/XX/2022 It showed as if it was posted. 
XX/XX/2022 sent money to @ XXXX {$750.00}, @ XXXX {$500.00} XX/XX/2022 The cashiers check had been returned. 
I called XXXX Bank and asked what had happened. XXXX Bank told me it was an unauthorized check and I stopped the transaction. 
And also sent email to XXXX XX/XX/2022 I received an email from venmo that you guys already sent the money to them. 

XX/XX/2022 XXXX I called the support team spoke to XXXX and also received confirmation email. 
XX/XX/2022 also I evidence was also sent by e-mail to XXXX. 

XX/XX/2022 XXXX I received call from this number XXXX XX/XX/2022 XXXX XXXX ( collection dept ) I spoke to XXXX hung up on me and transferred to C/S dept XX/XX/2022 XXXX XXXX C/S dept spoke to XXXX XXXXAdvice to call different number XXXX But I got the same answer that Venmo couldn't solve it.
Product: Credit card or prepaid card

I was targeted by Capital One for their Savor credit card. I applied for it, since it includes a {$200.00} welcome bonus for costumers with excellent credit score. Since I have an excellent credit score, I thought it is a nice benefit of the card. However, I didn't find any instruction when I received the credit card within the activation instructions. So I have reach out to Capital One via phone and later via email. I am happy to attach the email communication and the advertised benefits to this complaint. My problem is that the welcome bonus for some reason is not available to me, and I think this is a false advertisement. I thought a large credit company such as Capital One would stand by their words/advertisement. But no resolution offered from them, therefore I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXC XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

They had the police show up at my house while I was at work and it was at least 6 officers just trying to give me paperwork and was saying if I don't get the paperwork I could be taken to jail for the amount owed
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the certified mail number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion has failed to complete an investigation that I have sent documented Letters to their office of my intent to sue if they did not remove you in accurate accounts pursuant of the FCRA.Im entitled to 100 % accurate credit report and Trans Union has failed to respond to certified mail that was sent to them.
Product: Mortgage

I submitted an application for XXXX assistance on XX/XX/year>. I was trying to get some help because I had a foreclosure sale date approaching and it was XX/XX/year>. I was assigned XXXX XXXX who was requesting more information for a bank account that was opened XXXX. I had submitted all statements for that account and she requested XXXX  more for me to supply her a statement for XXXX. I also submitted a letter that was sent to me when the account was opened. XXXX during out phone call on the XXXX of XXXX realized she had been misreading the letter and thought the letter said the account was closed on XX/XX/XXXX instead of opened. She the let me know that my house sale date was today and the house has been sold in auction. Due to her mishandling negligence by misreading my paperwork she wasted time and the decision still has not been formaly made. Its now too late because the home has been sold in auction. I spoke with her supervisor who then stated he would look in to things and he verbally told me I would be denied. If the decision was a denial, why did they continue to stall me by asking for bank statements that I could not possibly provide. I believe the nonchalant attitude and misreading important documents is very careless and damaging.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX  XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Inquired on XXXX XXXX, XXXX.
Product: Bank account or service

Back in 2012 I had an account with bank of America.So one day I accidently left my purse on the bus with my debit card and my id in it.Someone found it and did something with my information I informed the bank of it when it happen and I thought they would close the account since I did n't approved but they did n't so now its on my credit.
Product: Debt collection

A woman who calls herself XXXX keeps leaving voicemails on my work phone ( last XXXX digits # XXXX ) stating that she is from XXXX., LPA and attempting to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE IN THE MISSISSIPPI AREA HAS USED MY INFORMATION OPENING ACCOUNTS AND USING MY NAME TO BUY THINGS I LIVE IN THE XXXX AREA I HAVE NEVER LIVED IN THE MISSISSIPPI AREA.
Product: Mortgage

I sold my house to a buyer who used XXXX. He had an FHA loan. The contract process was started on XX/XX/XXXX with closing date of XX/XX/XXXX. XXXX did not give any indication that the loan process would be significantly delayed. Therefore, I planned a multi-state move so that I could buy my new house ( contingent upon my home 's sale ), and organize a move, as the buyer was to take possession upon closing. 

Due to XXXX 's inefficiency and ineptness ( they admitted as such when I called to inquire ) in their underwriting process, the closing was delayed by XXXX weeks. Most of the inefficiency revolved around asking for additional documentation that any financial institution should have asked for in advance. As an example, they asked for the buyer 's checking account statement only 2 days before original closing XXXX the buyer furnished the document before the close of business same day ) -- this should have been perfunctory. 

Due to these delays, I also had to delay the closing of my new house in a different state, though I was supposed to be here for work. This means I incurred extra charges in the form of temporary living, storage of my household items and furniture, and at least XXXX full week of holding the mortgage rate ( I had locked in for 45 days to account for some delays, but not this long ). The total of out-of-pocket expense I incurred due to XXXX 's inefficiency was approximately {$2000.00}. I know there is no legal recourse, but I acted on good faith and it cost me.
Product: Money transfer, virtual currency, or money service

I filing a complaint against cash app ( Block , Inc ) due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address my fraud on their platform, leaving my account vulnerable and unprotected. They did not comply with error resolution process was unfair and deceptive. Under Electronic Fund Transfer Act.
Product: Mortgage

Going back to XX/XX/XXXX/XX/XX/XXXX when i was laid off from my job i went to Citimortgage for a modification for my main loan and my secondary loan, i asked them to modify them both and to combine them to assist me with being able to afford to keep my home. Citimortgage only modified the main loan, jumping to XXXX, the modification request i put in in XXXX they finally decided to work on without my knowledge, and thus stopped applying my payments to my account, yet my account has accured late fees of over {$100.00}. yet i have records showing that my payments that are due by the XXXX of each month, but no later than the XXXX where sent by my bank, just not applied to my account, by Citibanks choosing as they tried to process a decade old modification request. I never received any decision or notice to why they never approved or denied my modification for this loan in XXXX, yet now i am being penalized with late excessive late fees. At this point i am frustrated and dont know where to turn to make this right, it just appears i have no support in the federal government against unethical and possibly illegal mortgage companies. In XXXX after i turned my home to a rental property, Citimortgage sold the main loan to a company called greentree without my knowledge, so why i continued to send payment to citimortgage my alleged new account with XXXX became delinquent. by the time i fixed the issue, my loan was then sold again to XXXX. I first dont understand how loans that i am responsible for paying can be sold without me knowing or even agreeing to, but yet Citi kept the smaller loan and appears to be mismanaging it.