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

I have applied to XXXX XXXX, XXXX and XXXX only to be to my background check came back negative. First Adv did all three background checks. I was finally able to obtain these checks. I tried to locate my report only to be refused or stymied at every opportunity. When i was finally able to obtain my report I notice several inaccuracies. First, this was catoragized as a major offense ( ie, XXXX XXXX XXXX XXXX XXXX This was a XXXX XXXX XXXXXXXXXXXX XXXX I was issued at XXXX for food that didn't scan at the self-checkout. yes, i did this but only because i. was hungry 2. there was no help to be found the total was I think XXXX for cold cuts. Now the interesting parts come into play, On XX/XX/2019 i pled guilty to this minor infraction and took the deal ^ 6 months NO report probation /mail-in and I was in compliance with these conditions when I suffered a XXXX XXXX and XXXX. Thankfully I have recovered from this after months of XXXX Apparently and I was unaware of this the XXXX XXXX assigned to my case ( there are issues there as well ) violated me for non-complience. This couldn't be further from the truth. I have been a man of good moral character for my entire adult life. I feel that this needs to be addressed in some common-sense way. I have never been convicted of a felony yet that is how they making it appear. I did not find out about this till XXXX XXXXduring the whole Covid experience. PLEASE help me correct this and these INACCURACIES. ONCE AGAIN I WOULD LIKE TO STATE THAT I HAVE BEEN A MAN OF GOOD MORAL CHARACTER MY ENTIRE life Please dont deny me the right to employment due to these inaccuracies, sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my new complaint addressing the issue of incorrect credit reporting. I am submitting to dispute the inquiries listed in my file, which stem from this issue. The inquiries in question are not related to any transactions involving the acquisition of goods, services, or money that I have initiated or authorized. Therefore, I request that you remove these inquiries from my credit file as they are a result of erroneous credit report entries : XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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  TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. These inquiries are unfamiliar to me. Additionally, the information regarding these inquiries has been deleted by other bureaus, raising doubts about their accuracy. The reported history date on these inquiries is also unclear to me. According to the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items that were opened without my knowledge, consent, or authority within four business days upon receiving ( 1 ) appropriate proof of my identity, ( 2 ) a copy of an identity theft report, ( 3 ) identification of the disputed information by me, and ( 4 ) a statement from me declaring that the information does not pertain to any transactions conducted by me.
Product: Money transfer, virtual currency, or money service

I am contacting the store about check for services rate on transaction history and will pay fees, I had got message from company on transaction history and want to get the, accounts involved for money gram that was sent pls, I have gotten a company response and it has knowledge of this on it records, STATUS Company responded on XX/XX/2023, STATUS Submitted to the CFPB on XX/XX/2023 and could get help with matter. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with reporting agency on credit inquirys. I did not ask for credit or approve a request for credit. I am showing credit inquirys from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX p XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and 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 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: Debt collection

I have noticed that I have this account in collections profesional placement XXXX with open balances {$2600.00} reported on XX/XX/XXXX, I never open this account or anything like that. I need the the collection agency to verify the ownership of the account by providing the following information 1.I need the audit trial of the balance.

2. Also I need them to provide me with the agreement that grants them to collect this allege debt. 
3Also provide with the master bill of sale
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with Equifax regarding fraudulent inquires on my credit report. I have filed disputes in writing, by phone, and online. I have also included a copy of the FTC Identity Theft Report clearly outlining the fraudulent inquires. However Equifax refuses to remove the fraudulent inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a First Progress XXXX  credit card in XXXX with a {$300.00} security deposit. I used the card and made regular payments for 3 years all with no problems. I stopped using the card in XXXX and over paid the balance in appx XX/XX/XXXX. 

First progress sent me a {$15.00} refund check. I check my email my mail and my credit report monthly. I have not received anything from First Progress Card since XXXX of XXXX. That is when they emailed me a statement. 

XX/XX/XXXX First Progress was negligent in charging me a {$39.00} annual fee on a card with no balance and then not sending me a statement! I had not way of knowing there was a fee charged with not statement. I was notified of this charge only after my XXXX credit reporting said that I had been given a 30 day late charge on a card that I had received a refund check from as my last correspondence. I have promptly paid off the balance again and I would like the 30 day late reporting removed from my credit report on all 3 bureaus. This is negatively affecting my ability to buy a primary residence and I did my part to fulfill my obligation to First Progress Card.
Product: Credit reporting or other personal consumer reports

I called to let them know why is my credit score is low I pay all my bills on time no derogatory I try talking to the representative and explain to them why my score is low am getting denied for housing etc, ( 15USC 1692 ( d ) ( 2 ) Causing harm to your reputation via Credit report getting denied credit for housing
Product: Debt collection

I received a letter from XXXX  XXXX  XXXX. ( XXXX  ) in early XXXX of 2025 attempting to collect a debt. The letter stated that I needed to respond by XX/XX/year> if I disputed the debt. I mailed a letter along with the tear off portion of the XXXX letter requesting information about the debt on XX/XX/year> and according to XXXX XXXX information it was available for pick up on XX/XX/year> at their address. In the letter I requested a copy of the original contract, the information for the original creditor as well as other basic information about XXXX. Also in the letter I requested that I not be contacted by telephone and to mail all correspondence to my provided home address. On XX/XX/year> at XXXX XXXX  XXXX XXXX with XXXX contacted me by telephone demanding payment. The phone number that XXXX called me from was XXXX. After demanding payment I asked XXXX if XXXX had received my letter requesting them to not contact me by telephone and she stated that she did see the letter and apologized several times and stated that the computer had called me. I advised XXXX that I was going to file a complaint and requested her to note this information in the account and she stated that she would.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. These accounts and inquiries were created or made without my authorization, and I seek to have them removed from my credit report. 
Accounts to be Blocked and Deleted : XXXX XXXX XX/XX/XXXX {$00.00} Inquiries to be Blocked and Deleted : XXXX XXXX  XXXX. XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hard inquiries from 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 Explicit written permission was not given by these entities to run my personal credit
Product: Mortgage

On XX/XX/2023 XXXX XXXX and myself XXXX XXXX submitted an Assumption Loan Application with PennyMac which is my daughter 's Mortgage Company. My daughter is no longer going to marry the other half owner. Thus, I am was in the process of assuming the ex-fiance part of the existing loan. 
Today, XX/XX/2023, Wednesday at XXXXXXXX XXXX we were denied the Assumption Loan. XXXX XXXX from Pennymac informed us that we were denied the Assumption Loan because our debt ration was at XXXX XXXX. The required assumption debt/ratio is XXXX XXXX. When I asked show me the numbers exactly how that XXXX XXXX debt ratio was arrived to no avail, XXXX XXXX said he could not give me the numbers nor the procedure as to how the XXXX XXXX debt ratio was arrived. 
I asked for Pennymac to send me in writing how they arrived at the XXXX XXXX ratio. 
XXXX and I were approved for a {$420000.00} loan just XXXX weeks prior with another Mortgage Company. Our debt/ration was a XXXX XXXX At an interest rate of 6 %. PennyMac 's decision seems biased based on the fact that my daughter is financially in better standing since her and her exfiance purchased the condo. I am in excellent standing with a credit score of XXXX, my daughter 's credit score is XXXX. The headquarters to PennyMac Assumption Department phone number is XXXX XXXX XXXX XXXX is the Supervisor that I talked to on Monday after nobody would answer several phone calls and emails. XXXX XXXX 's email is : XXXX Please assist my daughter and I on identifying why were denied an Assumption Loan with numbers used to calculate our Debt/ratio. Lastly, I feel we're being discriminated against to due to our gender and XXXX  surname!
Product: Debt collection

I HAVE A {$79.00} BILL IN COLLECTIONS I WAS NOT AWARE I EVEN HAD THE BILL APPARENTLY IT WAS FROM ALMOST A YEAR AGO, I PAID THE BILL AND ASKED THEM TO TAKE IT OFF MY CREDIT REPORT AND THEY SAID THEY WOULD, TWO MOUTHS LATER IT IS STILL ON MY REPORT AND IM TRYING TO GET A LOAN, MY MORGAGE COMPANY TOLD ME TO CALL THEM AND ASK FOR A LETTER SAYING THEY WILL TAKE IT OFF MY CREDIT REPORT, THEY SAID THEY CANT DO THAT, THAT ONLY THE CREDIT REPORTING AGENT CAN DO THAT, MY MORGAGE COMPANY ASSURES ME THAT THEY HAVE TO DO IT AND I DONT KNOW WHAT TO DO AT THIS POINT. 

KEYBRIDGE XX/XX/XXXX Open XXXX XX/XX/XXXX XX/XX/XXXX Placed for collection Collection XXXX, XXXX, XXXX KEYBRIDGE XXXX XXXX XXXX XXXX, XXXX, OH PHONE ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

CAR WAS VOLUNTARY REPOSSESSION I DROP THE VEHICLE WHERE I WAS INSTRUCTED TO AT XXXX XXXX XXXX XXXXXXXX XXXX. THIS ACCOUNT IS INCORRECTLY REPORTING THAT I STILL OWE A BALANCE. ON MY XXXX REPORT FROM XX/XX/year> THE BALANCE DUE ON THE ACCOUNT IS {$0.00} I DISPUTED THE MISSED AND LATE PAYMENTS AND THERE WAS NO ANSWER. ALSO IF THIS WAS CHARGE OFF WANT PROOF OF CHARGE OFF AND XXXX WHICH WAS NEVER PROVIDED OR REMOVED THIS NEGATIVE ACCOUNT.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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: Checking or savings account

they closed my account for no apparently reason I had direct deposit come into my account because somebody stole my card and multiple times and he gave me provisional credit each time Chase is the worst bank my card number XXXX was supposed to receive a direct deposit on XX/XX/XXXX it's now XX/XX/XXXX XXXX
Product: Credit reporting

THIS ACCOUNT IS NOT PAST DUE. INVESTIGATION ARE NOT GETTING PROPERLY DONE I HAVE ATTACHED A LETTER FROM TRANUNION CLAIMING THEY VERIFIED ON WHICH IS INCORRECT. IT IS ALSO REPORTING LATE WHICH IT WAS NEVER LATE. I HAVE ALSO ATTACHED A SCREEN SHOT OF MY ACCOUNT AND ALSO A STATMENT OF THE CELTIC ACCOUNT I HAVE SUBMITTED MORE THAN 4 COMPLIANTS IT IS RIDICOULOUS THAT AFTER ALL THIS TIME IT IS STILL REPORTING INCORRECTLY.
Product: Credit reporting or other personal consumer reports

I dont recognize these inquiries and would like for them to be removed immediately.
Product: Credit reporting or other personal consumer reports

Dear everyone XXXX XXXX XXXX Inaccurate late payments XXXX. XXXX other XXXX these are closed accounts so they cant change them. XXXX XXXX has 90 & 60days & XXXX XXXX XXXX was reopened thats a violation. I want too see original documentation from these accounts in XXXX, I circle all these inaccurate things on these reports. Need fixed or deleted many inaccurate items i circled also asked about the bank statements could provide they say & i just want these accounts deleted now cause i contacted XXXX no response
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DEPT OF EDUCATIONXXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

The company LJ Ross has a collection of {$0.00} on my XXXX report but I do not know this company nor have I paid this company. Its registered as XX/XX/XXXX and the last date reported was XX/XX/XXXX.
Product: Checking or savings account

I went to Bank of America close by to my house I have an account with them i went to withdraw from my husbands pay card XXXX XXXX so like mentioned before i withdrew from the atm at bank of america from the pay card {$1000.00} the atm spit {$190.00} XXXX bills of {$20.00} and XXXX bills of XXXX so the machine to find out was stocked up wrong i addressed it with bank of america i stayed at the atm for a while to call them this bank location has been closed for a year or more so i could not go in there i was instructed over the phone by bank of america to call XXXX ive called both bank to be honest i know i was not the only one because there was a group of people waiting outside a lady even went to the bank of america that was close to the one we were in because she got more money of what she asked machine was wrongfully set up wrong with the bills when i called bank of america and they told me we can not open the claim for you because i need to call XXXX mind i tell you the atm was still working giving people the wrong amount one lady too XXXX she got back XXXX ( XXXX XXXX bill and XXXX XXXX ) another got XXXX and received XXXX more i just want everything to be cleared i will be submitting a complaint for XXXX as well
Product: Credit card or prepaid card

Company Stated It Would Be Best To Close My Account After Paying My Debt That Ive Had With Them. While I Also Had The Full Balance In My Bank Account To Pay Them They Told Me Since I Have The Option To Settle The Debt For Less That Its Best That I Also Just Settle It With Them. Two Things Happened Which Are Harming Me From Obtaining Fair Future Credit With An Auto Lender, The Account Showing Up On My Credit Report Being Closed, And Also Showing That It Was Settled For Less. Its Giving Me Troubles Trying To Obtain New Credit For An Auto Loan. The Bank Discover Is Also Refusing To Accept The Remaining Balance That Made The Account Settled For Less They Tricked Me And Its Harming My Future. This Is Extremely Unfair Credit Reporting. I Was Jobless At The Time Which Is What Caused My Credit To Not Be Up To Date And Paid Correctly, But When I Received The Funds The Bank Told Me To Pay Less Instead. I Just Want My Life In Order And They Made It Worse Instead, If I Could Find A Fix Or To Delete This Account Permanently Off My Credit Report This Would Be Great. Please This Is Extremely Unfair
Product: Mortgage

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover one instance of late payments recorded PENNYMAC LOAN SERVICES L. Perplexed by this discrepancy, I contacted PENNYMAC LOAN SERVICES L to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and this creditor to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, PENNYMAC LOAN SERVICES L swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX ( XXXX ), Account name : XXXX XXXX ( XXXX ), Account name : XXXX ORIGINALS ( XXXX ), Account name : XXXX XXXX ( XXXX ). However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

1

5 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Checking or savings account

I am forced to use internet free services and my domains are down and I did not get paid. I am filing all these reports so I get paid as an individual and if I am exploited or my money taken by a group claiming as my family I demand them executed as I am XXXX and losing time while many of my age has homes family children. I have been physically attacked In XXXX and injured and detained in USA XXXX and XXXX and I am used to solve other people 's communities poverty and is theft. Many of my age have become grand father and I do not have money to eat my own food or have a basic room. 
I am filing this report against google.com another clever company employing many and never paid me a dollar. please send the report to google.com. it's not ok the contents of dhyanayoga.info is in sites.google.com. 
I have to call a Prashant and srininvas to get money to stay in a room and today my net income is XXXX I am listing the company as google pay I demand immediate enforcement of large amount of money enough to start a life enter usa. 
I am XXXX times sure the criminals who attacked me are again pursuing the same track. Whover I am in touch with might be tracked and prevented from helping me by the criminals like XXXX. Right now I am now again asked to leave the room. Who is having my atm. If XXXX XXXX XXXX or XXXX XXXX is stealing my money using those like XXXX XXXX it's theft. I do not want to see anyone in XXXX or even XXXX if possible but I can not be in streets of XXXX I have to be in XXXX California XXXX apartments
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account : 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 has violated my rights.

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

15 I.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions.