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

Hi, My Name is XXXX XXXX. I have a Bankruptcy that is reporting on my credit report in error. Both XXXX, XXXX, and Equifax I have made serval attempts over the past 12 months trying to resolve this issue with XXXX, XXXX, and Equifax. I sent in my dispute in XX/XX/XXXX and received 2 response on XX/XX/XXXX on report # XXXX. On the first letter said the bankruptcy was deleted. I thought this has finally got corrected. Then 2 days later I received another letter from XXXX saying it was verified as accurate. The Report date was XX/XX/XXXX and report # XXXX. I have attached these 2 documents. XXXX sent back a letter saying Verified as accurate and Equifax. The other issue is when they sent the second letter saying verified as accurate they indicated is was verified by XXXX a Third Party Vendor. XXXX Stated the Bankruptcy was verified by the Bankruptcy Court  in XXXX, TX. FCRA states you must verify with the original furnisher to get accurate information. This would be the Bankruptcy court in XXXX, TX where my credit report stated it was filed. This Bankruptcy was placed on my credit report in error. I sent a letter to the Bankruptcy Court and I do have that letter that will be attached also. The Bankruptcy Court sent me a letter saying they do not report information to or remove information from the credit Bureaus. 

The Bankruptcy is the original furnisher. XX/XX/XXXX I send another letter asking for a Method of Verification that is my right to know how XXXX verified the information they claim is accurate. This is stated in FCRA. On XX/XX/XXXX I received another letter stating verified as accurate. I sent out another letter in XX/XX/XXXX asking again the method of verification and on XX/XX/XXXX again they say verified as accurate. Nothing saying how they verified this bankruptcy. Just violation after violation. This bankruptcy has an address that is not mine and not on my credit report. This has been frustrating you read the FCRA follow the steps but the Credit just ignores the policy. 

I have attached all letters from XXXX, the letter from the court, and the letter i sent to XXXX. Please, can you help me reach someone that will resolve this issue? All 3 of these credit bureaus have been violating my rights to a fair and accurate investigation.
Product: Mortgage

My mortgage servicer for my FHA loan is Carrington and I feel that they are not giving me a chance to be considered for homeowner assistance programs and are pushing me into foreclosure. I have gone through several difficult situations, but am now on my feet with a new job and additional income sources and want to try and work things out. The problem is that they are telling me the only option is to reinstate the past due balance in full, while they are having a foreclosure attorney contact me. I am very frustrated and concerned with the way they have handled the servicing of my mortgage loan. I had some major issues due to loss of employment, fire and injury that put me on workmens compensation. I have tried to communicate with Carrington and I got an email that said XXXX is reviewing my application, but I have not sent any application in. When I call to follow up I get conflicting information and it sounds like this is a delay tactic because now I am in the foreclosure system at Carrington. I thought there were programs that could help someone in my situation save their home. It sounds like Carrington has moved past that part of the program and instead started trying to auction off my home. I am back on my feet financially and can make things right if Carrington were to allow access to government programs they are supposed to offer. 

This home was owned by my parents since XXXX. When they passed away I bought the house with a loan from XXXX XXXX  in XXXX. I refinanced with XXXX in XXXX and got some cash out to get caught up on bills. I have worked as a truck driver for 30 years and it is a business with a lot of ups and downs and I was never able to save very much money. In fall of XXXX my ex-girlfriend was going to move several hours away and take our XXXX XXXX XXXX daughter with her. My daughter did not want to go and I desperately tried to come up with a plan so she could stay close to me and her grandparents. I put together the money I had and bought an RV and a space at an RV park and my daughter and I stayed there while I commuted to work and my primary residence. This lasted a few months and put me into a tough place financially and I defaulted on the loan. I contacted XXXX  and they worked with me and put me into a HUD program to put the past due payments into a second XXXX so I could resume making the regular mortgage payments. I was able to make the first couple of payments as my daughter had moved in with her grandparents but I was still in a lease for the RV Park and then my work truck caught on fire and it was a crazy situation and while I was trying to put the fire out I seriously injured my shoulder. This put me out of work. Due to all of these problems I fell behind on the mortgage payment again and was on workmens compensation for a couple of months. 

When I fell behind after getting the help in XXXX the loan had transferred to Carrington. When I ran into all of these problems I contacted them to tell them what was going on. I was told that I would need to reinstate the full past due amount and that I was going into foreclosure. I could not believe that Carrington was sending my case to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding an issue with my XXXX account that has negatively affected my credit report. I recently discovered that my account with XXXX has been closed, despite never having been late on a payment. Additionally, there have been multiple unauthorized transactions on my account, all of which I have promptly disputed. 

I have made numerous attempts to resolve this matter with XXXX directly, but unfortunately, I have not received any response or assistance from them. As a result, I kindly request your assistance in investigating this issue and correcting any inaccuracies on my credit report. I have been a responsible borrower and have always made timely payments on all of my accounts. It is disheartening to see my credit report affected by
circumstances beyond my control. I believe that this incident does not accurately reflect my creditworthiness and would greatly appreciate your help in rectifying the situation.

I understand that goodwill adjustments are made at your discretion, but I hope you can consider the extenuating circumstances surrounding this matter. I am committed to maintaining a positive credit history and would be grateful for any assistance you can provide in resolving this issue.

They have never reached out to me, I reported a unauthorized transaction and after that they closed my account, but I am protected with the fair act of any transaction not authorized by me shall not affect me, dont know if its that but im guessing because that was the only action made, looking in now I have found 4 more additional transactions that were made without my knowledge or authorization Thank you for your attention to this matter. I look forward to your response and to having my credit report accurately reflect my financial responsibility.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information from EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3200.00}
Product: Debt collection

dispute all my collection account some still my information an send all the account to collection
Product: Credit reporting or other personal consumer reports

I have be having issues with Experian and XXXX about my credit report over the past several months, I have sent them a privacy notice and I have sent the dispute of inaccurate reporting and nothing is being done about this issue. It is directly affecting me and my family being able to do business with financial institutions. I have expressed that I have an equitable interest in these accounts which needs to be paid to the accounts but they just keep saying the accounts are verified and I have loss confidence in there investigation process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS CONTINUING TO VERIFY FRAUDULENT INFORMATION TO XXXX, XXXX, AND TRANSUNION I'VE ASKED FOR A FULL INVESTIGATION INTO THIS ACCOUNT DUE TO THE INACCURACY AND I DID NOT MAKE THE CHARGE I AM A VICTIM OF IDENTITY THEFT XXXX XXXX XXXX AND XXXX IS IN VIOLATION OF THE FCRA
Product: Credit reporting

I have requested proof of how the following accounts were verified : 1. XXXX XXXX XXXX.-Account # : XXXX 2. XXXX XXXX # : XXXX ....
Product: Credit reporting or other personal consumer reports

Re : Dispute of Unautorized Reporting of Information, Accounts below XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Account Numbers XXXX Account NumberXXXX Dear Sir/Madam, I am writing to dispute the accuracy and validity of the information reported by your agency in my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, I am formally challenging the inclusion of certain information on my credit report on the grounds of lack of written consent. 

Upon reviewing my credit report, I discovered that your agency has reported information without my explicit written consent. As per the FCRA, consumer reporting agencies are required to obtain written consent before furnishing or obtaining consumer credit information. To my knowledge, I have never provided such written consent to your agency. 

Furthermore, I have not authorized any entity to furnish my information to your agency, nor have I granted permission for your agency to obtain my consumer credit information from any source. Therefore, the presence of this information on my credit report is not only inaccurate but also violates my rights under the FCRA. 

In accordance with the FCRA, I hereby request that you investigate this matter and provide documentation demonstrating that you have obtained written consent to include the disputed information on my credit report. If you are unable to provide such documentation, I request that you promptly remove the unauthorized information from my credit report. 

Please be advised that failure to comply with the FCRA and rectify this matter within the prescribed time frame may result in legal action to enforce my rights under the law. Additionally, I request that you provide me with a copy of my updated credit report reflecting the removal of the disputed information once the investigation is complete. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe stipulated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXXXXXX XXXX  XXXX ( Original Creditor : XXXXXXXX ) XXXX Balance : {$570.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022.
Product: Credit card or prepaid card

On Friday XXXX XXXX, I called Netspend to inform them that I would be going to Florida and then the XXXX. I was told that I did n't need to inform them, and that if they questioned the purchase that they would contact me, I would call them, and then verify that I was trying to make the purchase. I used the card in XXXX. I shopped at XXXX and at XXXX, then went to use it at the atm machine in target to remove XXXX dollars. That 's when I realized that it was blocked. I called later that night to verify my identity and was told that the verification dept was closed over the weekend. I explained the situation to a supervisor that I would be out of the country with no money with my children, causing me to miss my cruise, and that the call agent said nothing about not being able to access anyone over the weekend. He then forwarded my complaint to corporate. While I was out of the country and unable to get calls, I recvd a call from NetSpend, and a call from XXXX at corporate. I attempted to call Netspend several times when we arrived to the XXXX on Tuesday the XXXX, and also called XXXX and left a voicemail. I still received no feedback that entire day. I continued trying to call netspend but to no avail. When I arrived back in Florida on XXXX XXXX, I called Netspend and was told that there was a question of fraud on my account. They put me on hold for 40 minutes. I hung up and called XXXX in corporate again and he answered. He called the fraud department and they still did n't answer. He assured me that he would walk over and see why they were not answering. He did as he said and called me back and told me that the fraud dept. said that XXXX was a male and that I needed to have him call in. I explained that yes I had a males names, but was indeed a female. That I could send them my ID, passport, and other information to prove that I was female. I told them to call my employer to verify that I was female. That I had had the card about 1 year and never had there been a question about my gender or XXXX. He forwarded me to the fraud dept without even listening, and I continued to have the same argument with XXXX in the fraud dept. NO one would listen to me. I asked them to pull any calls that I made over the last year of having the card and they would see that I have always been a female. I told them that this was XXXX and gender discrimination, and then XXXX stated that this was not, and that she could no longer discuss any details about the card with me seeing that it was n't my card. I was given a fax number and requirements to send in. On Friday morning I sent in a copy of my Driver 's License, Water Bill, and SS card along with my reference number. I called Netspend at around XXXX XXXX to see if any additional information would be needed. The agent told me that they needed 4 hrs to see if they recvd the papers, and as of now it was not showing. I then called the FTC to find out my rights., I called back to see if I could get the email address. And again, the phone just rang and no one ever came to the phone.
Product: Checking or savings account

My name is XXXX XXXX XXXX and aim a XXXX. I moved from XXXX XXXX to XXXX in the early XX/XX/XXXX. Later that year, i meet a guy by the name of XXXX XXXX. XXXX was a inspiring XXXX that wanted to get into the music industry. He's been rapping at an early age. When i meet him he was about XXXX. He mentioned that he knows the music industry very well and have major connect with big names in XXXX. He mentioned, he has two music promotion companies, beside just rapping. His promotion company promote artist work, which the artist pay for. He mentioned that, i should invested money in his talent and that we can take it to XXXX to get a major record deal. The music industry was something that i was passionate about, since i was young. The idea felt interesting. We later flew to LA and he introduced me to one of his major connect in XXXX name XXXX XXXX. XXXX mentioned that he's a major player in the music industry. XXXX showed me pictures and videos of him and every artist that you can think of. I seen him with pictures with XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX . I believed him. He mentioned that he can develop XXXX to a major artist and get him sign to XXXX XXXX XXXX for {>= $1,000,000}. He mentioned he can develop XXXX and another artist name XXXX XXXX to major artist caliber and get them sign for {>= $1,000,000}. A few months on another trip to LA, XXXX brought us to meet XXXX XXXX at XXXX XXXX XXXX office. XXXX was the XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX, confirm to what XXXX was telling me. XXXX and XXXX mentioned i had to invest {$150000.00} to develop these two artist. They mentioned each artist will cost {$75000.00} each to develop. A few months, i agree to make the deal. I gave XXXX and XXXX access to my business account. The access was for up to {$150000.00}. These guys went swimming in my hard earn money. They went to exclusive star studded parties, driving around foreign cars, eating at the finest restaurant, wearing clothes and jewelry brand, i can't even pronounce. They scam me out of over {>= $1,000,000} from XXXX. The worst part is clowning me and torturing my family and i. I'm left with nothing. I lost my business, house and wife.
Product: Credit reporting

Under current federal law, the XXXX credit reporting agencies are suppose to let you review you credit report annually. I have tried for two years and I always get various online replies from the XXXX agencies that they can not process my request or that I have already requested a report. It seems like if you do n't buy their additional credit products they refuse to give the consumer their free credit report as required by law.
Product: Money transfer, virtual currency, or money service

An unauthorized charge was made to my account for {$300.00} on XX/XX/XXXX at Paypal. I found out on XX/XX/XXXX and alerted Paypal immediately. They opened a case ( XXXX ) to resolve and resolved it in my favor on XX/XX/XXXX indicating they would recover the funds. The case was then closed by Paypal and nothing was communicated. I followed up and was told they sent a " follow-up '' about the transaction. A new case was created on XX/XX/XXXX ( XXXX ) through this. It too was resolved in my favor on XX/XX/XXXX. But again no communication was had after the fact and the funds were not returned as promised. I reached out again on XX/XX/XXXX and they opened another case ( XXXX ). Again, the determination was made on XX/XX/XXXX that " the activities in question on your account are unauthorized. '' But again nothing was done. So I reached back out to Paypal again and they opened yet another case ( XXXX ) to re-issue the funds back to my account on XXXX. But the case has been closed again, after being resolved in my favor again. I'm seeking to file a complaint due to the continued deceit.
Product: Credit card

I applied for a Bank of America XXXX XXXX with a XXXX percent promotion for 15 months. I clicked through their website and was approved for the card. Unfortunately, I was not told that I was n't approved for the advertised promotion. I 've since moved my medical bills to that card ( and made other purchases ) and am now paying interest on a card that is even now advertised as XXXX percent for the first 15 months! Feels like bait and switch.
Product: Credit card or prepaid card

On XX/XX/2022 SYNCHRONY supposed to withdraw from my account the amount of {$28.00} dollars for the payment of some furniture purchased at XXXX XXXX XXXX, on XXXX the XXXXXXXX XXXX, I discovered that they have withdrawn {$970.00} dollars from my account, my account balance was {$340.00} and this transaction overdrawn my account by {$800.00} dollars, I went ahead and contacted them, because the agreed price was {$28.00}, their response was that i have set up the autopay for the whole amount, which makes no sense, because if Im planning on paying the whole amount I wont set it up on auto payment I will just go ahead an pay it, and their team response was that they would issue a refund with a check that will take 2 to 3 weeks to get to my home, I explained to them that i need to put gas and do groceries specially during this month of XXXX, and they did not offer any other solution. On the night of the XXXX a guy named XXXX allegedly put a stop payment which was a lie and the payment got posted to my account. 

Ive called my bank and they have to issue an investigation, but it will also take quite a while, my husband paycheck is coming not XX/XX/2022 and more than half of that will go towards covering the overdraft caused by the people at SYNCHRONY
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 my account was cleared in bankruptcy. Since then military star has went out of its way to post negative information on my credit report. They are reporting that it is in collections when it is not a valid debt and it is known by military star that the information that they are posting was cleared in bankruptcy. As of today the dispute came back and they are keeping the negative information saying that the account is in collections and it started after the federal bankruptcy court ruling. It has lowered my credit score even though I've never had any issues after bankruptcy.
Product: Debt collection

I have repeatedly told Portfolio Recovery Services to cease contact with me and they continue to call, multiple times per day, from different numbers. This is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient has violated my rights! I have attached all the details in the letter.
Product: Credit reporting or other personal consumer reports

This is in regards to XXXX XXXX. In XXXXXXXX XXXXI sent a check that was issued by XXXX XXXX XXXX XXXX XXXX to XXXX  to pay my balance in full. The total was {$7000.00} at this time. The check was cashed and endorsed by XXXX  on XX/XX/2023 unfortunately the check did not have my card number on it so it was never applied to my account, I have sent multiple times the copy of the canceled check and now they are telling me I never provided this information. I have sent it via fax and via email on the portal. My credit score has gone down dramatically because of this. The dispute has been open multiple times and denied just as many. I want this, and I want my credit report cleaned.