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

XX/XX/XXXX XXXX XXXX  contacted hire right regarding employment status listed false information merging two separate incidents into 1. XX/XX/XXXX denied employment for reasons that was falsely listed by XXXX. Contacted hire right regarding this issue, they denied first, 2nd & 3rd dispute. After 4th dispute over the same situation, 1 change was made. Me filing police report on employee & complaining to safety management regarding being forced to drive a unsafe XXXX XXXX  - In retaliation from XXXX listed I had a failed roadside performance violation from department of transportation false no violations on my record or points received a civil citation/ non moving traffic citation NO Points on MVR XX/XX/XXXX no DOT inspection Another was a warning from police officer no fine no court date regarding cell phone - XXXX admits all drivers personal cell phone is required to keep track of hours of service electronic logging system per department of transportation requirement also all logging devices must be mounted/stationary. Officer assumed all day cabs was automatic I was operating XXXX XXXX XXXX he saw hand movement assumed I was using cell phone pulled me over did a DOT inspection which requires you log book - I took phone off mount and handed it to him no violations on truck, no violations for not having Electronic logging not mounted, but was giving a cell phone warning no fine no court date no violations XX/XX/XXXX. Hireright allowed XXXX to merge two separate cases into 1 - by doing so and stating I hade a failed DOT inspection employers pre-screening before hire is grounds for denial of employment Ive been denied multiple times from trucking companies because of this, and can not reapply between 6-12 months. Hire right didnt confirm allegations and ignored documents provided and several disputing attempts. This have caused financial hardships
Product: Credit reporting, credit repair services, or other personal consumer reports

For nearly 8 years I've been battling with these two credit reporting companies to remove what is a black mark on my credit Cars in the beginning and not valid. I've written letters five complaints and we are past the {$70.00} Mark worth this junk should have been removed from my credit years ago credit reporting agencies have a huge responsibility to stay up to date what negative information reported it should be sanctioned when they drop the ball. Incorrect negative credit affects us all holding our children and families at risk
Product: Credit reporting or other personal consumer reports

Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX XXXX  with account number XXXX This account is listed as being 30 days late. I recently contacted that company regarding this matter and was informed by representative that I was automatically signed up for security card protection which was an extra {$160.00} in top of monthly payment. This was causing my monthly payments to increase and adding interest. However, I did not agree to enroll in the program nor did have any knowledge that i was enrolled into the program. I agreed to pay the full balance within 12 months with no interest. This my first time using care credit. I am requesting a goodwill adjustment to remove this late payment from my XXXX, XXXX, and XXXX credit reports. 

I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment. Thank you for your consideration, and I hope you'll approve my request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX {$14000.00} XX/XX/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXP 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: Credit reporting, credit repair services, or other personal consumer reports

Good morning, There are a few unverified, unauthorized accounts listed and multiple inquires on my credit report, I have disputed with this account for over four months this particular account, they refuse to remove it, now I am coming to you all to help resolve this problem. What would be a fair resolution to this issue, I want this removed from my credit report
Product: Credit card

I had an automated call, informing me that my credit limit was reduced. There was no way to reach a live person from that call and I was required to call back to a different number to reach a person. I had to speak to a supervisor before I was directed to a different department. The customer service person told me that they could not lower my interest rate but that someone in hardship could. When I spoke with someone in hardship, they said that they didnt do that sort of thing and that I needed to speak to someone in customer service. I explained to them that while Im trying to pay my credit card each time I make a payment that reduces my debt to them they reduce my credit limit which reduces my credit score again. Ive asked for consolidation loans and other options short of closing the accounts and each of my credit card companies Just says theres nothing they can do.
Product: Debt collection

request for validation of debt. don't have a debt or owe this collection agency. 
requested documents-no response request to delete from m credit due to inaccurate information
Product: Credit card

I have a credit card from XXXX XXXX  ( serviced by Comenity ) used to purchase furniture for a new home in XXXX of XXXX. The credit card offered a 1.99 % interest rate for 36 months for the purchase. I have paid this account religiously. In XXXX of XXXX, I inadvertently made a payment to the account for my XXXX payment BEFORE the statement closing date at the end of XXXX resulting in 2 payments posting in XXXX. When I realized the payment posted for XXXX instead of XXXX, I immediately called Comenity to ask that they apply this payment to the XXXX billing and was told it wasn't possible. I told they would credit the extra payment back to my checking account and that I could then make the XXXX payment with that refund. Seemed logical and I did exactly what I said I would do. I made the XXXX payment with the money refunded. There was no mention of the fact that it would appear as an actual purchase subject to 30.24 % interest on my account. I did not notice what they did until the XXXX Statement when I saw that I am being charged this 30.24 % interest on revolving balance charge to the account of {$270.00}. Again, this was not a charge, it was them refunding an over payment that I made to Comenity. After 30 minutes on the phone with them this morning and no resolution I am filing this complaint. I went online and paid this balance while speaking to person # 3 of the call, a supervisor, and told him that the payment was made and that I wanted the revolving balance removed. He said he could do anything. I was instructed I had to call back after the XXXX billing period closes and request to have the payment reallocated to eliminate the revolving charge. Comenity is deceptive and is taking advantage of consumers. Had I not noticed this, I would have been charges 30 % interest on this balance for the next 16 months without knowing. I have never had an experince like this with any other credit card. I want the interest charges reversed for this fictitious charge.
Product: Money transfer, virtual currency, or money service

I wanted to send XXXX dollars to pay for a skiing event in XXXX. I called the Associated Banks  customer service line on Wednesday, XXXX XXXX, and was told to call my local branch and that they would help me with sending money to XXXX. 
On Monday, XXXX XXXX, I called the local branch, and they referred me back to the Associated Bank customer service line. I called the customer service line, and was told to call the local branch. I told them that I had just done that. XXXX began to look into the problem for me, and about thirty minutes later she called back and told me that what I needed was a Foreign Draft. She said I should ask for a supervisor or manager, and that the cost would be {$40.00}. 
On Wednesday, XXXX XXXX, I went into the branch and said that I needed a foreign draft for {$870.00}. The person helping said that she didnt know what that was. I said that I was told to ask for the supervisor or the manager. She said that she was the supervisor. She called two people, and the second one walked her through the process. The transaction went smoothly. I was a bit surprised when she said that a XXXX dollar was {$.00} American. Five days earlier XXXX said it was {$.00} American. She said the check would be here on XXXX XXXX, but it was actually here on XXXX XXXX. 
I made the mistake of not checking with XXXX before arriving at the bank. Later in the evening, I asked XXXX, and a XXXX dollar was worth {$.00} American. I did  not question the transaction, thinking that the bank would have the exact price for a XXXX dollar. The transaction fee was actually {$20.00}. On the attached form, it stated {$10.00}. I dont have a problem with that. They should really update their forms, and add creating a Foreign Draft to their training material.
Product: Bank account or service

Morgan Stanley mis-reported our XXXX XXXX contributions to the XXXX, incorrectly completing XXXX forms XXXX ; causing the XXXX to review our tax return and assess a liability not actually owed to them. We discussed this with XXXX, and they said they just needed the amended XXXX 's accurately reporting the deposits and applicable tax years from Morgan Stanley, then would retract the liability and close the file. Morgan Stanley has consistently refused for months and months now to revise the forms. Eventually XXXX withheld funds from our XXXX tax refund to satisfy the improperly assessed liability. So Morgan Stanley has cost us {$10000.00}! And not to mention continuing frustration, time, energy, and more money in dealing with them.
Product: Debt collection

On XX/XX/19 a representative from Credit XXXX Solutions called my phone trying to reach my husband pertaining to a debt for XXXX XXXX. When I advised the rep that I had no idea when we could take care of the debt she proceeded to ask me about my tax return. It was at this time I informed her our tax return is going to a down payment for a new home. It was at that point she said well I'd hate to see this from stopping you from buying a new home and if this is reporting it will ... That is when I proceeded to inform her that was threatening language according to the FDCPA and terminated call ... She informed me all calls are recorded so there is record of the call.
Product: Student loan

My dates are from XXXX when I took out loans with originally were XXXX XXXX XXXX and then were transferred to Navient. Under the recent XXXX discharge act, people who went to XXXX during the dates, which I went to means my loans would be XXXX. 

https : XXXX My school, The XXXX  XXXX XXXX XXXX was deemed a school that not only fabricated who they were as a school but any courses taken were not credited or transferrable and marketed themselves falsely. As it has been proven, and the ruling was in the favor of the student who took loans, my current loans should be XXXX. I understand emails are still being sent out but since I have already filed paperwork XXXX  years ago, I'm trying my best to be proactive to get this removed from my account. 

The XXXX XXXX schools across the country were routinely lying to prospective students about future income potential, job placement statistics, career services, total cost of tuition, credits being transferrable, accreditation status, etc. 

I've also filed with the XXXX XXXX to Repayment application to get my loans removed. If you need websites I have compiled a comprehensive list. 

Websites listed fraud the school I went to 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 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
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On XXXX XXXX, XXXX my mailman knocked on my door and when I opened the door he gave me a piece of mail that was intended for my next door neighbor at XXXX XXXX XXXX XXXX. The mailman knew me personally and even though the address on the correspondence had the wrong address, it had my name on it. My address is XXXX XXXX XXXX XXXX. When I opened the letter it was an " Intent to Foreclose '' from the Law Office of XXXX XXXX XXXX, XXXX. on behalf of a XXXX XXXX XXXX XXXX. Had the mailman not delivered this piece of mail to me I would never had known 1 ) that this mortgage was being held by another company other than XXXX XXXX 2 ) that my house was in foreclosure and I could have actually lost my house without even being aware of this. 

This was the XXXX time that I had received any communication in regards to this mortgage in over 5 years. The mortgage was originally a second lien held by XXXX XXXX XXXX ( formally XXXX XXXX XXXX ). In XXXX XXXX, the XXXX mortgage was modified by XXXX XXXX Bank and we were told that the XXXX lien had been extinguished. We have been making payments on the XXXX mortgage to XXXX XXXX Bank since XXXX XXXX on a regular basis. Since we did not receive any correspondence in regards to the XXXX lien, we were shocked when we received this letter. Upon further research we learned that this XXXX lien had been sold several times over the five year period ( see attached ) and we were not notified at any time of any of these transfers which is in direct violation of 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow account - specifically Notice by transferee of loan servicing at time of transfer ( 1 ) Notice requirement Each transferee servicer to whom the servicing of any federally related mortgage loan is assigned, sold, or transferred shall notify the borrower of any such assignment, sale, or transfer. 

Because of the failure to comply with the provisions of this law we would therefore request that you investigate have each entity that was involved with the transfer of my loan to provide the servicing transfer letters that were sent to me including my signature of any RETURN RECEIPT REQUESTED certified mail that was sent to me. 

I am attaching copies of the recorded assignments that I was able to find in public records to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that I was never notified about.
Product: Credit card

My sister and I both have applied for the same credit card which was the XXXX card by Capital One. Neither of us have yet to receive denial letters via mail, my application was almost 30 days ago. However instead both of us have received emails regarding our denial letters. We enter the credentials which were our XXXX and XXXX. When we entered the credentials we noticed it was someone else denial letter. Completely different name and everything. This is a privacy issue especially considering we both got someone else 's denial letter. I have contacted the Executive Office and their XXXX XXXX regarding this issue and still have not received my denial letter. If i am not mistaken a company needs to send your denial letter, but to receive someone else 's letter just seems to be a privacy issue.
Product: Debt collection

Medicredit has reported on all 3 major CBRs that this is a new account as of XX/XX/2020, they are reporting me as currently late on a new account that is not classified as medical debt, and they are continuing to damage my credit by violating the federal C.A.R.E.S act. Not only that but the original creditor has a computer problem on the date that I believe I recieved service and they do not have the correct information either.
Product: Credit card or prepaid card

On XXXX XXXX, I attempted to make a purchase from XXXX Off XXXX using a split payment method, split between my Personal Platinum and my Business Platinum cards from American Express. Payment went through on my Business Platinum card but was declined on my Personal Platinum Card. The next day, I re-tried payment but the opposite happened : Payment went through on my Personal Platinum card but was declined on my Business Platinum card. I reached out to Amex about the issue, most notably that both charges, one in the amount of {$13000.00} and one in the amount of {$4100.00}. 

I inquired about how long it would take for both charges to drop off my account. At this point, Amex informed me that 1 ) both charge cards had been restricted and had a very low credit limit placed on them, and 2 ) I had to wait a minimum of 12-14 months before I could appeal the credit restriction. 

Even worse, the pending charges on both charge cards WERE NOT contributing to the temporary credit limit, so the credit limit ( {$4700.00} on both cards ) that was placed DID NOT have the room to increase once the pending charges on both cards fell off. 

When I asked to appeal this, I was told there was nothing I could do, and if I didn't like it, I should just close my account. I first spoke to XXXX and them spoke to Supervisor XXXX ( ID number XXXX ). They both echoed each other. Now, I'm stuck with a business charge card with a {$4700.00} credit limit and a personal charge card also with the same credit limit and over {$17000.00} in pending charges with no intention of the credit being increased for 12-14 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I will be filing another CFPB Complaint to request to you once more to reinvestigate my the accounts you report on my Credit File in accordance with the Fair Credit reporting Act. I previously requested that you take a look into my concern and correct or update any erroneous information you found. Upon reviewing my updated Credit report, I noticed that no changes were made and I still see the negative description on the disputed accounts. In accordance with the Fair Credit Reporting Act, I request of you to please correct the listed account on my Credit File : XXXX XXXX XXXX  XXXX Balance Owed : $ XXXX, upon further inspection, I realized that the one of the disputed account was already remove from the other Credit Bureaus but was kept reporting on one Credit Bureau. Under the Fair Credit Reporting Act, Credit Reporting must be accurate. The Account : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$48.00}, must also be removed from my Credit file.
Product: Mortgage

On XX/XX/XXXX, I contacted M & T Bank requesting to remove my escrow account ( taxes and insurance ) from my loan. Loan # XXXX. Escrow was not a requirement at the time of funding or loan origination but we opted to include escrow to have the lender we ended up with manage out taxes and insurance. We did not choose M & T Bank as our lender. Once we closed on our loan ( XXXX ), we were advised our lender would be provided to us within the coming weeks. Over the last few years, I have requested to remove my escrow so that I can manage my taxes and insurance and pay them directly instead of the lender managing this. M & T Bank said it is their policy not to remove escrow accounts if the loan originated with an escrow. This is not in writing on any closing document or loan document. The advised they can not provide this in writing as it is an internal policy. I have had many mortgages with escrow and had them successfully removed with a request/review. I have made every payment on time for XXXX  years, my loan to value ratio is below XXXX %, and I have excellent credit. 

In addition to this, they want to collect a reserve amount of nearly XXXX months of escrow payments in the event there is an increase. I should be able to handle this on my own. I've called several times requesting this to be escalated, reviewed, and the escrow removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently there were some things added to my Transunion credit report that I did not recognize. I called the Transunion to report the problem and instead of the customer service rep helping me they decided to argue with me about the situation and how I should be more responsible with my credit and that I am going to die with bad credit. I asked how can some inquires that were removed from my credit report show up back on my credit report with my knowledge. I explained to the rep that I had not applied for a car loan in XXXX or XXXX of last year and that there were some other inquires on there that were not mine. I recently found that someone was using my that lived in XXXX XXXX Indiana because of an address that popped up on my credit report that I had removed. These are the inquires that are not mind and I would like them re-removed from my transunion account. I worked very hard and long with all these companies below to have all their inquiries removed off of my credit report. It is not fair to me that they have been added back. All of these inquires below are unauthorized inquires and I would like the re-removed from my credit report. 

XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Bank account or service

Citi Bank Card has again blocked access to internet account can not dispute charges. 

phone number on web site to call has blocked me also