23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Saferent Solutions failed to generate a rental score in order for me to be approved for rental housing resulting in a denial from XXXX XXXX XXXX that I believe was discriminatory in nature. The adverse action notice stated that they were unable to approve my application because I don't have a XXXX score. Yet the requirements like clean background, no past evictions and making 3x the rent were all satisfied. XXXX XXXX XXXX is just collecting people 's personal information and application fees for profit. Saferent Solutions is data mining and aiding in XXXX XXXX discriminatory tenant screening practices.
Product: Debt collection

On XX/XX/2020 I had an appointment at XXXX XXXX. At the time the insurance payment was adjusted. The original charges were XXXX $ and with the adjustment insurance paid XXXX . I C Systems claims this is my debt and that it should be paid.
Product: Debt collection

I have the same collections but submitted on different times why is it showing up twice on my credit report and closed account. I have disputed it but its not being removed if the company has sold my debt it is no longer mine. XXXX XXXX  is on my credit report 3 times and XXXX XXXX is closed and opportunity financial is on here 3 times for one loan.
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

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 I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Product: Debt collection

Hunter Warfield became a part of my life in XX/XX/XXXX. Hunter Warfield reports that they are the collection agency for an apartment that I had in XX/XX/XXXX. I moved out of the apartments they are collecting a debt for on XX/XX/XXXX however after checking credit due to receiving numerous of calls from Hunter Warfield they have been reporting on my credit report since XX/XX/XXXX ( I was still staying in the apartment at this time ). The company as stated above calls soooo many times a day that it is becoming harassment. They will contact my cell phone and turn around and call my house phone and repeat. When I first became aware of hunter warfield being on my credit I request that they provide validation due to the timeframe being off. The company sent me a letter typed on letterhead but it was not validation to the debt and the amount was not accurate. When speaking to a representative they are VERY unprofessional and demand funds on each call. On many occasions when receiving voicemails from this company, they leave you DOB, as well as your SS #, which I'm sure is a violating of some sort. I have reached out to my old apartment complex to possibly confirm Hunter Warfield being a collector for there agency but this is still not being verify. At this time Hunter Warfield has not provide information im abide to in accordance with fdpca, which mean they have not properly validate the debt they using bully tactics to received. I have dispute this account on 2 occasion and they are stating they meet the FCRA requirements but they have NOT. I am requesting that this account be deleted from my account immediately. I have no contract with the company and this company as well as the suppose original creditor has no contract to confirm I am responsible for paying the incorrect amount they are requesting. Please ensure that this information is properly deleted from my acoount due to the company not being able to validate the information within the proper timeframe with the proper legal documentation. 

Thanks
Product: Debt collection

This account was opened XX/XX/2021 and opened with a balance of {$560.00}, I have not been sent any communications from this debt collector, including no debt validation letter so I have been unable to validate this debt.
Product: Debt collection

LVNV, XXXX, RESURGENT DEBT COLLECTION AGENCIES TRYING TO COLLECT DEBT FROM A CHARGED OFF ACCOUNT WITHOUT PROVIDING 1099-C.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax - 1st Dispute letter for credit file discrepancies/inaccurate information XXXX Equifax - RE : Request to provide Method of Verification XXXX Equfax - 3rd and Final Notice to Cure XXXX XX/XX/XXXX -1st Dispute letter for credit file discrepancies/inaccurate information XXXX XX/XX/XXXX XXXX RE : Request to provide Method of Verification XXXX XX/XX/XXXX XXXX XXXX and Final Notice to Cure XXXXXX/XX/XXXX-1st Dispute letter for credit file discrepancies/inaccurate information XXXX XX/XX/XXXX- RE : Request to provide Method of Verification XXXX XX/XX/XXXX - 3rd and Final Notice to Cure The credit reporting agencies have failed to removed inaccurate address, phone and account information, including bankruptcies public record that were reported by a 3 party and not the original creditor, that is hindering my ability to conduct commerce and re-establish credit for housing and job opportunities including my spouse ( XXXX XXXX XXXX XXXX whom has given me authorization to dispute items on her report as well. ( See Complaint # XXXX / # XXXX / # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.
Product: Credit card or prepaid card

After resolving the previous issue with FNBO on my other credit card. Today as of XX/XX/22. I received a notification of FNBO slashing my limit on my other card the FNBO Getaway to {$500.00} without warning or issue at all. I know they are a conservative company but this is getting a bit ridiculous. This will have a negative impact on my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$47000.00}.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ACCOUNTS which is found to be opened due to ERRONEOUS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX at XXXX XXXX XXXX on : # XXXX, XXXXXXXX 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: Money transfer, virtual currency, or money service

Cash app fraud or scam My partner was supposed to be in a XXXX XXXX Was looking for her to bring her home Her sister lied and said she knew where she was at And said her husband was XXXX hours away and could pick her up in the company he works for XXXX XXXXXXXX A fee of {$75.00} was needed to use the XXXX for personal use. I was given a cash app address to send it and fuel money too. Was told she was in XXXX. First sent {$100.00}. For. Personal use of van and some fuel money. Next day was told they were out of gas and out of money was asked to send more money for fuel. Next day sent another {$100.00}. And again in the afternoon more fuel money was requested. Sent another {$100.00} again through cash app. Was told she would be home that evening never happened. No excuse. No further explanation. 5 days later was contacted by my partner who asked me to pick her up in XXXX, NC. Where she had been the whole time. In a detox instead of rehab and of course XXXX hours from XXXX
Product: Vehicle loan or lease

My loan was increased by XXXX $ saying missed payment. I havent ever missed a payment .. or been late. My credit has been ran by the dealership my loan is thru, Toyota financial. XXXX times they have ran my credit since buying the truck.. RUINED MY CREDIT SCORE.. I had to freeze my XXXX  and XXXX to stop further inquiries being made. Called dealership. NOTHING GOT DONE. Now my loan went up saying missed payment but theres no proof and everyone I talked to says Ive never missed a payment. I feel Im being taken advantage of .. everyones pointing fingers at each other and nothing is being taken care, my credit score is being destroyed. My monthly payment is {$970.00}. I feel theyre gon na take {$120.00} a month till its fully paid .. AND THAT WONT HAPPEN!! IVE NEVER MISSED A PAYMENT
Product: Credit card or prepaid card

XXXX XXXX, Florida XX/XX/2020 I made a reservation by phone and when arrive there with my husband theres nobody and the hotel was under construction, nobody answer the phone and nobody at the front desk. I already made a dispute with banco Santander of Puerto Rico and they dont approve the credit. I made many efforts by phone with the hotel with no positives results. Banco Santander Remove my credit for the {$120.00} and charge again the money because I have to call the hotel for the solution. Thats the response at my dispute.
Product: Mortgage

NewRez is at it again. After getting them to finally agree they messed up they said they would keep me off the marketing list ( see CFPB complaint XXXX ) and yet I receive another marketing offer. I have submitted, and they have admitted receiving do not ( marketing ) contact and they continue to do so.
Product: Debt collection

paid collection at XXXX XXXX/XXXX/2015 shows no balance, but Diversified consultant is show smae $ same reason that I owe $ this typical of XXXX, they were the original creditor. The turned over to XXXX and then over to Diversified.
Product: Credit reporting or other personal consumer reports

The name is XXXX XXXX XXXX is wrong and not on my ID. It is on my SSCard. But it is incorrect on my credit report. 
The correct name is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number XXXX XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX ================================ UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was contacted by Enhanced Recovery of XXXX XXXX XXXX, XXXX, FL XXXX, XXXX regarding " several collection accounts ''. They would not identify these accounts and I was told that at XXXX Friday ( XXXX/XXXX/2015 ) I would be visited by the police who would have a warrant for my arrest. 
I asked them to provide me a written statement and was told I could read it in jail if I did n't pay " right now ''. 
When I refused and again requested a written bill, the collector became very abusive and told me he did n't have to give me anything in writing. I asked if he was familiar with the FDCPA and he told me that makes no difference to him and he would be enjoying the weekend while I was in jail.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My son 's name is XXXX XXXX XXXX. Please note he has a middle initial, I do not. I have tried several times to get Experian Credit Service to remove my son 's XXXX auto loan from my report. I have even called XXXX at the number provided on the report to have them remove my son 's negative account from my report, but I keep getting the same results from this credit reporting service. I have had the same issue with the other two credit reporting companies. XXXX   and XXXX. They have done their job properly investigating the issue and removed my son 's account. I have provided my son 's name, social security number, address, and his date of birth to Experian. Today i get a written report with the same results I've been getting on line. The report number from Experian is XXXX. This inaccuracy and lack of investmentive practices from Experian has cost me to not being able to refinance an auto loan with a better interest rate and save some money. 
If you would like I can also provide you with my son 's information.
Product: Student loan

I have been having issues with Navient for a couple of years now. It gets old having to be paying one loan company then get switched to another. The school that I was attending was online and there is no way I can get information from them. It's like they don't exsist. I was doing good at repaying my loans then had some health issues that has not allowed me to work. I am a XXXX XXXX XXXX mom and take care of XXXX kids. I have no income coming in that is why I have been doing forbearances. In the past I was put on an income based plan, but now I don't work. I can't consolidate my loans to lower my payments. I have sent forms in for discharge of school loans due to my school isn't available online, and I haven't recieved anything back from the loan services. I have even sent emails and had no response. I wanted help to get figure out what I can do with my loans since I don't have any income coming in. The school that I attended kept taking out money from my loans and I wasn't even attending school anymore. There were also books and supplies that I never recieved and they still took money out. I have heard many complaints about Navient. It seems like every time the loan services switch the loans keep getting bigger. I want to get the resolved soon instead of having the student loans reach a point to where it isn't possible to pay back. Having my loans discharged would be great since I can't get any information that I need on XXXX XXXX online.
Product: Credit reporting or other personal consumer reports

Someone with my information obtained a XXXX XXXX XXXX and Maxed it out. It showed on my Credit Report as of last year and I have since been trying to get it removed to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I signed up for this line of credit my checking account was linked and payments were made automatically each month. At some the company experienced some technical problems and they could no longer link my checking which I was not made aware of. Once I checked my account I saw a minimum amount due and paid it in the app as a one time payment using the same account they were supposed to have connected. I verified that my bank has not refused any payments by grain. I tried to find a number to contact them but could only try by sending email correspondences and requested they call me. I had no way to re-established auto pay and no one to discuss any credit issues due to there own system failures. I tried for 2 months and I even paid the account in full became they simply can not fix there issues. They reporting my account delinquent In error and I have pleaded with them to make the corrections asap as this is affecting me adversely I have even paid them in full. According the the XXXX  they have a substantial amount of complaints regarding this very issue. I also noticed they deducted an annual fee of XXXX and a payment during the month that they claim they could no longer connect to my checking account which appears to be a glitch in there system. I was not aware that the fee would be deducted from my checking account instead of just charged to the like most fees and did not provide permission for this yet they are reporting my account delinquent when in fact they took out more funds that they were entitled to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account number XXXX XXXX XXXX XXXX credit reporting on the credit reporting bureas , Transunion XXXX XXXX and XXXX are showing a late payment for XX/XX/2023 and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. I spoke with XXXX  representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus.

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: Vehicle loan or lease

The company is Ally Financial. I have my loan since XX/XX/XXXX. I made my 1st payment XX/XX/XXXX. I notice today XX/XX/XXXX when going online to make payment they only showing I paid 12 payments. I have made 16 payment. I do agree I had 3 extension and a due date change however my payment count still should reflect 16 payments. I tried to address this with them and they ( Ally Financial ) said if they correct this would mess my payment up like its my fault. That 4 of my payments went towards finance charge instead of finance, principal, interest which would also advance my payment count on my loan.
Product: Credit reporting or other personal consumer reports

To resolve the issue of hard and fighters on my credit report that I did not authorize.
Product: Credit card or prepaid card

Bank of America Cash Rewards World Mastercard Card. 

Automatic payments are a 2 step process. 
First a 'ebill ' is created by BAC at statement close plus 1 day, which has minimum, statement, account balance and such. 
Then the 'AutoPay ' picks the data at plus 2 days from the 'ebill ' and makes the chosen payment. 
Any subsequent credit or payments DO NOT change the 'eBill/AutoPay ' process. 

I can not imagine why except that this is a scheme to get around the 'credit/payments to be applied to required payments first ' rule for consumers. Since the AutoPay is based on the early eBill, BAC claims the amounts from the eBills have not changed despite credits and payments since eBill creation. Thus. consumers pay more than required by rules. 

Every other card I have reduces the required payments to reflect credits and payments first - as I believe the rule requires.
Product: Credit card

I contacted GoldmanSachs on XX/XX/year> to inquire about my apple card account being restricted due to suspicious activity and keeping my account safe. Ive asked multiple times what triggered it and my questions have went unanswered. As an apple card user of over XXXX years and averaging about $ XXXX in annual spend this is very discouraging in using my card ever again. GS is a horrible company.
Product: Prepaid card

I was incarcerated and received emails that my cash app account was closed due to activity that I didn't even kno about. I tried to fix it but nothing done. Account closed and won't allow me to make a new account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and 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. States a consumer reporting agency can not furnish a account without my my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 President Trump signed the coronavirus stimulas bill, while I don't know exactly what the wording in the bill states, however there is something in it that has to do with credit scores being negatively affected due to the pandemic and how it should not happen during this crisis. I've been hugely affected so I got a credit card with a small limit to help for the time being. My new credit report came out on XX/XX/2020 and my credit scored dropped 40 points. I can't understand why credit reporting agencies feel like they have the power of God over people and how they report our credit to lenders. I've been fighting tooth and nail for over a year to bring my credit scores up but I can't seem to make any headway even though for the past 12 months I've never missed a payment on anything let alone be late, however I can not get my score past XXXX and a drop of 40 points for getting a new card during a crisis should be a criminal offense.