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

COMPANY INFORMATION : NATIONAL CREDIT AUDIT CORPORATIONXXXX XXXX XXXX INVOLVEMENT : Debt Collector ACCOUNT NUMBER : XXXX My latest credit report shows the company on my credit report NATIONAL CREDIT AUDIT CORPORATIONXXXX XXXX the debt collector .

1. I ask that the follow debt reporting be removed immediately from my credit file for false statement/ representation ( trying to collect wrong amount, attempts to collect debt not owed ( Over charging, falsely reporting negligence of property, Items or issues not repaired or replaced before move-in, submitted maintenance request while occupied, Reference of pet order by tenant that never owning a pet ) on my XXXX XXXX credit report XXXX 

Evicted from my XXXX XXXX XXXX even after notifying management of my recorded medical/disability. I had a payment issue with my employer and insurance payout in regards to XXXX status. The management team refused to negotiate rental of housing to satisfy past due balance. I offered proof my medical records yet the management team refused any paper work regard paper work regarding my claim. 
2.

Fair Housing laws make it illegal to discriminate against anyone based on a protected class in any of the following ways : Refusing to rent or sell housing Refusing to negotiate for the sale or rental of housing Making housing unavailable or denying that housing is available Setting different terms, conditions, or privileges for the sale or rental of housing, a mortgage loan, homeowners or renters insurance, or any other housing transaction Advertising in a discriminatory way Threatening or intimidating anyone exercising a fair housing right or assisting anyone else in exercising their fair housing rights Types of Housing Covered by the Fair Housing Act The Fair Housing Act and the Pennsylvania Human Relations Act cover all types of housing, including : Apartments Mobile Home Parks Condominiums Single Family Homes Public Housing Nursing Homes Dormitories Group Homes for People with Disabilities Fair Housing Laws Title VIIXXXX of the Civil Rights Act of 1968, as amended, is known as The Fair Housing Act. 

The Fair Housing Act is the federal law that makes it illegal to discriminate in any housing related transaction based on seven protected classes.

Race Color National Origin Religion Sex Disability Familial Status ( or the presence of minor children in a household, pregnant women, or anyone in the process of securing legal custody of a child ) The Pennsylvania Human Relations Act is the state law protecting consumers against housing discrimination and adds two additional protected classes.

Age ( over 40 ) Users, handlers, or trainers of assistance animals for persons with disabilities A Contract or Rental Agreement Does Not Deem an Apartment Complex Exempt from The Fair Housing Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all  XXXX  credit reports, ( and this is the second time this has happened to me ), I am car shopping and they are only supposed to run it through a maximu  m of   XXXX   companies and it continues to be ran through multiple agencies until I have a tremendous amount of inquires for several different financial institutions.   XXXX   XXXX   this time and there was a great deal through  XXXX  last time that were never removed. Do n't they have to have permission to send it through that many people?? I did not authorize it and it is ruining the credit I was trying to build. Please let me know.   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   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   C  XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   there should be a max of  XXXX  on there. I allowed  XXXX  from   XXXX  ,  XXXX  from   XXXX   XXXX   and then I ended up buying a car from   XXXX   XXXX  . How do I fix this???
Product: Credit reporting

I NOTICE THAT CAPITAL ONE HAS BEEN REPORTING ME DUP. ACCTS. 
XXXX {$8500.00} LIMIT {$0.00} BALANCE IS CORRECT XXXX {$5500.00} LIMIT {$4700.00} BALANCE IS INCORRECT. 
( ACCT XXXX SHOULD HAVE BEEN CLOSED OUT DUE TO FRAUD ) I CALLED CAPITAL ONE BACK IN XX/XX/2016 AND SUPPOSE HAVE TAKEN CARED THIS. IT SEEM THEY HAVE NOT.
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED TRANS UNION ABOUT FRAUDULENT ACCOUNTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE SUBMITTED FTC REPORTS ALONG WITH MY IDENTIFICATION, UTILITY BILL, AND SOCIAL SECURITY XXXX HAS YET TO REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CONSUMER FILE. I HAVE CALLED AND REQUESTED FOR THIS INFORMATION TO BE REMOVED. I WILL BE UPLOADING DOCUMENTATION AS PROOF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported this problem around 6 months ago regarding finger hut, Experian, XXXX  and XXXX. I filed bankruptcy on XX/XX/2019 and received a discharge on XX/XX/2019! Of all my debt owed. I reported this problem about 6 months ago and it was fixed. Now XXXX  is reporting this same information as being late and a balanced owed. My credit score just dropped 47 points because of this incorrect information from XXXX and XXXX  XXXX, Experian, XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX 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

I called transunion last week after sending in numerous inquiry removal letters through certified mail for the last past couple months. All the other credit beaus removed the inquiries, but transunion is not removing them. So I called last week the beginning of XXXX and spoke with a young gentleman about the process that i was taking and the reason and nature of my call, and he explained to me that there was nothing the he could do and that I would have to write more letters along with another form and sen it in all because the letters sent was not going to do anything. Being aware of the credit rights I explained to the gentleman that once the inquiries were wiped from the other reports that transunion was suppose to do the same. He further explained to me that this was incorrect and that he could not accommodate my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The Lists of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing and of the following items of information. Any other adverse 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 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

Late payments were reported to the credit bureau on my account and i had no idea that the payments were late. A family memeber was supposed to be making the payments and they decided not too and didnt tell me, so i had no clue. No one ever emailed me or called me to let me know the payments were due and late. As soon as i figured out about the payments i brought them all up to date and paid the balance. Navient never emailed me, called me or sent any mail.
Product: Debt collection

Khohls/CapOne is currently reporting a CHARGE-OFF on my credit that they have sold to different companies. These companies have determined that I AM NOT responsible for this account. And have removed them from my report. 
The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification to verify these accounts. According FCRA 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days of receipt and must promptly give you additional relevant information provided by the consumer if the Original creditor does not respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files Kohls/CapOne is also violating FCRA validation laws. 
in XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX, -- - XXXX XXXX -- - ( XXXX XXXX. XXXX ), XXXX XXXX XXXX ( XXXX Cir. XXXX XXXX ), XXXX XXXX App. XXXX  XXXX XXXX, because credit reporting may be considered collection activity, debt collectors should not furnish information to the credit reporting agencies until the validation/verification period has expired and the debt collector has not received a dispute. Then the debt collector wont have to request deletion of the trade-line to avoid violating 1692g ( b ) in the event it can not validate the account. 
XXXX, XXXX, XXXX are also violating the Fair Credit Reporting Act, 15 U.S. C. 1681, etseq.., and their actions violated the Fair Debt Collection Practices Act, 15 U.S. C. 1692, as was pointed out in the lawsuit. XXXX v. XXXX XXXX, XXXX ( XXXX. XXXX ), 1. The account originated from a different address than my own. 
2. The Statute of Limitations for Companies to Collect on a unsecured contract is 4 years in the State of California. 
3. XXXX and XXXX  have NOT done a proper investigation of these accounts. To Reply to me with a FORM letter is Violation of FCRA 605 and FCRA guidelines for INVESTIGATION
Product: Student loan

Wells Fargo is not treating me fairly or as a customer. They are withholding information because they want to as a result of fore-cable collection actions and causing other accounts to become delinquent. It has been 42 days since I have requested information and no proper action has been taken by Wells Fargo. Instead of treating me fairly like a normal customer they are sending me blanket legal responses that do not resolve any issues or provide me with information I need to move forward. 

I have made my requests much shorter and simpler. On XXXX XXXX I made a request of who I could get in touch with regarding funds and I was told I would get a response by XXXX XXXX, 2016.
Product: Checking or savings account

I was on the phone yesterday XX/XX/XXXX, with a customer service agent for over an hour. I had to proved access name and number repeatedly, and with each trial a new name and number were necessary.
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 Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX 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

I recently applied for credit monitoring service and was denied. I am unable to monitor my score and agency refuse to allow me to setup service however continue to report inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payments on my credit report show as of XXXX 2020 and XXXX 2020 for account number XXXX. There is no way this is accurate. I have tried to get this fixed so many times and XXXX loans refuse to fix it. The CARES Act was passed by Congress during COVID so I am not sure how I was even reported late. Please fix this.
Product: Credit card

I have long ago paid off my credit card account that was in collection with Wells Fargo Credit Card Services. I 'm asking desperately to please have this account deleted from my credit report hence the fact it 's preventing me from making any financial decisions in the future such as applying for a loan to buy a house or saving for retirement etc. even Wells Fargo themselves continually denies me for such things even though I 'm qualified. Nevertheless, I would like this matter settled.
Product: Money transfer, virtual currency, or money service

I FOUND THAT I AM VICTIM OF FRAUD ON XX/XX/XXXX WHEN I ARRIVED TO INSPECT MATERIALS FOR LOADING AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ON XX/XX/XXXX ABOUT XXXX TO XXXX PM BECAUSE THERE IS NO EXISTANCE OF XXXX XXXX XXXX. WE CALLED OUR BANK CHASE JP MORGAN FOR RECOVERY OF OUR AMOUNT FROM ACCOUNT # XXXX ( THIS ACCOUNT IS SCAMER ACCOUNT ) BUT THE TOLD US THEY ARE UNABLE TO HELP US.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This debt to diversified was paid based on my agreement with them. They were supposed to forgive the XXXX and i paid them the XXXX the beginning of XXXX to process XXXX XXXX. The Supervisor i talked to said she was going to have them hold the account there since they had the payment in hand. XXXX sold me faulty phones and then all my identity info was hacked into in their system. I am trying to refinance my home and need this collection removed since it is inaccurate.
Product: Checking or savings account

This with NAVY FEDERAL CREDIT UNION XX/XX/XXXX, I was trying to purchase something for my daughter in school and saw my Navy Federal XXXX card was declining. I opened my mobile app and saw " multiple '' transactions from XXXX XXXX XXXX XXXX NM. I didn't know where it was at, until I XXXX the location. 
XX/XX/XXXX, the gave me a provisional credit for {$890.00}. 
I was suppose to look out for an eMessage from the bank to answer more questions. 
I received a regular email, stating that they will betaking my provisional credit. Because by XX/XX/XXXX. 
XX/XX/XXXX, I called the bank and the said they sent me an eMessage, but the young lady did not see it neither. So she sent the to me and told me my account should be fine and nothing wouldn't get deducted. 
XX/XX/XXXX, my account was ( XXXX )., from there I have gotten all kind of stories which I will attach. 
I've called everyday to the fraud department, it seems like " XXXX '' has been responding to me. 
XX/XX/XXXX, I have received another denial letter for my appeal. I called, and no one could tell me anything about my denial. I send an eMessage requesting it. They told me it was sensitive information they can not share with me. 

XX/XX/XXXX, I printed all eMessage from the bank and also filed a police report. 

All in all, I never been to the state New Mexico. 
XX/XX/XXXX & XXXX i was in GA for an graduation ( I've provided my airline receipt ) XX/XX/XXXX i was at XXXX XXXX XXXX while my card in New Mexico was being used ( receipt is on my bank statement ) XX/XX/XXXX I was at work XXXX in the morning ( i sent my work schedule and paycheck stub ) XXXX looking for someone to represent me and also writing to CFPB
Product: Credit card or prepaid card

The attached document describes my assertions of violations of the Fair Credit Billing Act and Fair Credit Reporting Act by Departme  nt Stores National Bank as credit servicer for my Macys Credit Card account. In addition to violations of these Acts, I assert violation of the equivalent portions of my then standing Credit Card Agreement with Department Stores National Bank.
No written acknowledgment of my credit billing dispute, and no written disposition of the dispute.
Closing of account by creditor prior to providing written acknowledgment/disposition of the dispute.
Reporting of disputed amounts to credit bureaus as late payments prior to providing written acknowledgment/disposition of the dispute.
Reporting of inaccurate information to credit bureaus with no regard for eventual disposition of the dispute.
Reporting of disputed payments to credit bureaus with no annotation that they are disputed.
Reporting of inaccurate information to credit bureaus with no notice to me of the negative reporting.
No written acknowledgment of   my dispute of credit reporting, and no written disposition of the dispute.
Product: Debt collection

I personally wrote letters to this company requesting that they validate the debt reported. They have not verified this debt belongs to me after several attemps. Advised that legal action would be taken.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under e Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i see appropriate redress for these violations.
Product: Bank account or service

My name is XXXX XXXX, I am a customer with Bank of America. I am a service connected XXXX veteran with XXXX XXXX issues. I was waiting in line at the XXXX XXXX branch in the XXXX, NY XXXX XXXX XXXX, after 30 mins. on line the bank got really crowdedI started XXXX real bad. asked the manager if he'ed show me the same courtesy as the XXXX women before me. letting him know what my problem was, he told me that service is for physically XXXX. I stepped to him and showed him my shaking hands and said do you need to see my XXXX. He took it as a threat and locked himself behind the counter and called the cops. when asking him to help me, he said if I want to get help I 'd have to get back in line. XXXX came and was very courties to me and understanding, they even asked the manager to serve me and he refused. A XXXX can also create a XXXXy
Product: Credit reporting, credit repair services, 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  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 or other personal consumer reports

I have previously disputed several addresses on my credit report, with Experian. Initially, there were five plus addresses, two of them out of state. It appears that the ones from out of state were removed. However, two others still remain. I was told that these can not be removed due to accounts being linked to these addresses, that are on my credit file.

This is not the case, as I have no open accounts connected to either of the. I have also been at my current address for almost five years. 

I would like to have these old addressees removed, once and for all. It has caused a few deterrence in being extended credit.
Product: Debt collection

I contacted the debt collector Optimum outcomes Inc for the amount of {$34.00} showing on my credit also given a derogatory remark when I contacted them they couldn't even speak to me as all of the information the correct information that I provided them about myself did not match any of their records. I then contacted XXXX  to dispute with them they sent me information back determining that, the det was my debt that I owed. They also sent me an updated credit report ( that I requested ) that has my birthday incorrect ( my dob is XX/XX/XXXX  they have it on my report as XX/XX/XXXX ) on the credit report provided to me from XXXX. This is not my debt I'm not sure who the company is where they're located however I have never been there. I ask XXXX  to provide me proof of validation once they validated the debt that information was never provided to me.
Product: Student loan

Navent loan IBR plan I can't reach them I do not have a Job I am XXXX years old and with this virus  I am struggling to keep food on the table.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been well over 30 days and I have not received any results of an investigation of this account that I requested on XX/XX/XXXX to the credit bureau 's in regards to the difference of date of last payments reflected on my credit report for XXXX XXXX. XXXX  does not reflect a date of last payment while XXXX  reports a date of last payment of XX/XX/XXXX and XX/XX/XXXX on Equifax. Please see the attached credit reporting and letters submitted to the credit bureau 's.