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

To many close accounts are showing missed payments in history. Because of this problem I can't get approved for other credit
Product: Credit reporting or other personal consumer reports

I disputed multiple inaccuracies on my credit report, including incorrect account balances, collections, and unauthorized inquiries, in a letter sent to XXXX, XXXX, and Experian on XX/XX/XXXX. I requested a reinvestigation and supporting documentation, but I have not received a response or resolution. As of XX/XX/XXXX, the issues remain unresolved, and I am filing a complaint due to non-compliance with the FCRA 's investigation requirements.
Product: Credit reporting or other personal consumer reports

I wrote to Experian on XX/XX/2023 expressing my concern about an account that has been reporting inaccurately for the entire year. I provided a copy of my credit report, as well as identification. I have spoken with the lender about my actual balance, yet it is still being reported inaccurately after numerous attempts to dispute the account. I requested to have the account removed from my credit report as a part of my rights under the FCRA, as there were a significant amount of inaccuracies, some of which are still being reported by Experian. This inaccurate reporting is effecting my well-being with being able to purchase a home. As of XX/XX/2023 Experian advised the account is reporting accurately, however, it still has a significantly higher balance than what is actually owed on the account, in addition to showing past due when I am paying as agreed with the current lender. Therefore the report is false, inaccurate and illegal.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$940.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3600.00}, 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

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN : XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute Credit Collection Service., Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Debt collection

I've been complaining about National Credit Adjusters for nearly 4 months. They have not even attempted to resolve this issue. The collections just sits on my credit profiles. They refuse to remove it. They don't have an interest in really verifying the debt. They're only interested in making a profit from the debt that they purchased. Horrible and unethical company.
Product: Debt collection

Section 623A6 If a furnisher learns that it has been furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only completely and accurate information. 
Company Name : XXXX XXXX XXXX of {$600.00}
Product: Mortgage

Carrington MS took over my loan from XXXX bank. I had some financial issues with business and got behind in my mortgage. When I tried to make house payment they refused to take it, said I had to have XXXX payments. Next week I had XXXX payments and they refused them and said I had to have XXXX payments. This went on and on until I got help from XXXX, got caught up and this whole time I was trying to get a modification using HARP program. While this is going on my health was getting worse from the stresses they caused. I have XXXX and stress is very bad for my illness. After trying to get XXXX modification done with them, they turned me down XXXX. Started a XXXX with a agency here in Michigan, by now my health is getting real bad, I had to file for XXXX. 

I was forced to quit working because I was unable to keep up with the demands of XXXX that I owned. Sold it and paid off a couple bills. Found a local job and was fired because I was sick. Then next week social security approved me for XXXX. I have had XXXX for thirty years and always had been able to work as long as I got rest and kept my stress level down. 

When Carrington MS would n't give me a HARP modification so I could keep my house so I would n't lose all of my investment was devastating to me. Today was suppose to be a sheriff sale and they pulled it from the docket. So they are still causing XXXX situation to me. I offered them XXXX in XXXX 2015 and today it was being offered for XXXX. When my attorney made the offer they never even responded to him. That 's when I had to file bankruptcy. 

When I was trying to get the modification done they told me to call USDA rural development, Carrington claimed it was USDA was turning it down, USDA said they only guarantee the loan through XXXX bank and for me to call them. I called XXXX bank. They said they did n't have anything to do with the loan, I had to call Carrington. Called Carrington again and was told they did n't know anything and did n't even know who I should talk to but would get back to me when they figured it out. Never did call me back. I am still on the title of the property. No one seems to know who owns my house now. My real estate agent ca n't get any answers either. The fair market value is under {$30000.00}, I bought it just before the bubble in real estate collapsed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been violated and have not been able to get credit. This has caused me very much hardship in my daily life because of this reporting. according to 15 USC 1681a to exclusion a credit report does not include report containing Solely transaction and experience between the consumer and the person making the report. 15USC 1666b also states that if a open ended consumer credit plan provides a time within which an obligor may repay any portion of the credit extended without incurring an additional finance charge such additional finance charge or penalties may not be imposed. 1026.13 also states that a reflection on or with a periodic statement of a extension of a credit is not made to the consumer or to the who has actual implied or apparent authority to use the consumers credit card or open ended credit plan. Please update the following accounts to PAID AS AGREED or I will be forced to seek legal action with remedy of {$1000.00} per violation XXXX XXXX XXXX XXXX XXXXXXXX XXXX Both of these accounts are showing misleading info and needs to be updated
Product: Credit card or prepaid card

I have been calling Navy Federal Credit Union about having hardship paying on my credit card account and Checking Line of Credit with them. I called last week to see can they lower my payments to $ XXXX a month for both account. I explain to the rep that I'm unemployed and the only amount that I received each month is {$200.00}. I was willing to pay something on the accounts. I received a call back the next day saying that they can not help me. I explain to the rep that I will not be making the payments that they set up for {$80.00} a month. It really hurts me that consumers can not get help with they account, when they have falling on hard times.
Product: Debt collection

XXXX was disconnected due to service not working and XXXX was installed but XXXX  continues to harass me about XXXX XXXX  payment which was never incurred
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 Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXXDept of ed : # XXXX, XXXX : XXXX XXXX, XXXX XXXX  : # XXXX, 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.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax has a XXXX XXXX  account listed on my credit report that does not belong to me. I have disputed this multiple times with the correct information, but Equifax has violated the regulations regarding the allowable timeline to resolve this matter. This is a case of fraud or identity theft, and it has not been handled with the care and resolution that I expect from Equifax. The XXXX XXXX  account and balance do not belong to me and need to be removed from my credit report.
Product: Checking or savings account

I opened an account at bank of the west in XXXX XXXX on XX/XX/XXXX with a coupon, that advertised XXXX dollars bonus if I qualified. I did everything that was required, and advised by the XXXX XXXX, who helped me open the account. 

I opened my account with XXXX dollars and deposited in my account the XXXX dollars required for the following 4 months. Now im being told a bunch of different reasons of why am I not elegible for the promotion. This is false advertisement. 

the promo states : Requirements to Receive Up to {$250.00} Bonus : Open a new personal Any Deposit Checking account at a branch or account application submitted on bankofthewest.com between XX/XX/XXXX - XX/XX/XXXX with any opening deposit amount ( {$0.00} or more ). Opening deposit must be funds new to Bank of the West ( Bank ) received and posted to the account within 30 days of opening. This offer is also available for any other consumer checking account ( minimum to open {$100.00} ). UCB Student Checking and Premier Checking excluded. 

To receive the {$250.00} bonus, customer must make at least one deposit of {$250.00} or more for each of the first four consecutive calendar months following the month in which the account is opened. Calendar months do not necessarily coincide with statement cycles. Two or more separate deposits in a single month that add up to {$250.00} do not qualify. Qualifying deposits must be funds new to the Bank. All deposits must be posted by XX/XX/XXXX.
Product: Credit card

My husband and I have XXXX XXXX Business MasterCard accounts. This card replaced our frequent flyer XXXX XXXX Visa Business Card which we were very happy with for over 20 years. Upon activation of our XXXX XXXX Business MasterCard we were ensured that we would earn an annual companion certificate good for XXXX guest to travel on an XXXX XXXX operated flight for {$99.00}, plus taxes and fees, after we spent {$30000.00} or more in purchases since our last account anniversary and maintained our card membership, which we have. We used to receive XXXX XXXX XXXX companion certificates without any difficulty. We have yet to receive the XXXX companion certificate that we are entitled to. We have made countless attempts over the past 4 months to obtain the companion certificate from the credit card issuer, Barclays Bank. To say that we have been treated very rudely by their customer service representatives and supervisors, is an understatement. I have been informed by XXXX XXXX representatives that they have received numerous complaints from XXXX XXXX Business MasterCard cardholders regarding the same issue.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. And upon looking at my credit report I noticed According to the FCRA a consumer reporting agency shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about who the credit report relates. And according to 15 USC 1681s-2, 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 the info is not accurate. ACCOUNT ( S ) : XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX and XXXX XXXX # XXXX.
Product: Credit card or prepaid card

American Express canceled Delta Sky Miles credit card because I complained about being unable to read the account number of the back of the card. XXXX cancelled the card without any notice or any information on rights of appeal on or about XX/XX/2021. 

I called Amex customer service to request a review of this decision but was summarily rejected. The representive who answered my call alleged that I had violated XXXX rules regarding customer abuse, but offered no access to information on the offense such as dates, recordings, reports, or any other substantive information on the process. I was told twice that I could only receive further information on the alleged offense only with a subpoena. 

I told the customer service agent at XXXX that I was XXXX years old when I received the card with the number embossed in light gold on a background of deep purple ( Delta 's colors ) and that I had difficulty reading the card because of age. I also made clear that I had been upset with a Delta representative who implied that I should have been able to read the card even though I wear prescription reading and long-distance glasses. It was a brutal conversation and humiliating experience. 

Moreover, I believe the XXXX decision was both ageist and ableist. I admit that I was quite upset about the decision and made my concerns adamantly clear in my conversations with XXXX. All I asked for by way of a resolution was a card that I could read with a magnifying glass and a high-wattage lamp. The representative added to the injury with a patronizing stance and without mentioning any options for further review and a possible refund of my annual {$550.00} fee. 

That's it. Arbitrary, nasty, ageist, and ableist, yet no route for review or appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the validity of the accounts listed below on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with Experian. Each time, these items are " updated '' but the " updated '' information is not clear, nor has the account been verified. It is my understanding that according to Section 609 ( a ) ( 1 ) ( A ), of the FCRA, any account posted on a credit report has to be verified through PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT. Since Experian has not provided these documents as requested, I contacted the creditors myself for verification documents ( attached ) .None of the documentation received is in compliance with the FCRA. Especially XXXX XXXX XXXX and XXXX XXXX XXXX-I could 've typed these documents up myself! According to the law, Experian is also out of compliance for not having any signed contracts on file. How do I know these are not fraudulent accounts? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was given an XXXX Card through Synchrony Bank in order to fix my truck 's transmission in XXXX of XXXX. Unbeknownst to me the autopay was set up incorrectly and was withdrawing from another member of my Credit Union 's account. When the member found out, all of the previous payments were charged to my account on XX/XX/XXXX. I received an email from Synchrony XX/XX/XXXX ( attached ) stating that I had missed a payment so I contacted Synchrony and they said it simply had not gone through, then I saw all of the charges that came through at once on the XXXX and called my Credit Union and finally got an explanation from them on what happened. 

I subsequently called Synchrony to explain what happened and also to explain that I was trying to pay off my my full remaining balance before the one year promotional period was over to avoid the 30 % interest. Through all of the confusion I had missed that deadline which was the XXXX of XXXX. I was told to file a dispute and I did, I'm not sure what was entered into the dispute on my behalf or what the resolution was ( attached ). I was entered back into autopay. 

I just found out that they entered my autopay information incorrectly a second time and again I wasn't notified that my payments were not going through, and I was being charged late fees ( attached ). 

I spoke with them to figure out what was going on and I can't get an answer other than my autopay information was entered incorrectly again. I told them I could not verify that information through their website, all I can see is that when I manually paid to avoid more fees it went through with the account information they had.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I had an unauthorized charge from XXXX from 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  Portofolio Recovery Associated, LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Validation Request To Whom It May Concern, I am requesting validation of the debt referenced by account number XXXX. Please provide : Proof that I owe this debt, including the original creditor and balance. 
Copies of any signed agreements or statements. 
Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I was a victim of fraud. 
On XX/XX/year>, I received a letter from Bank of America that they were closing my account for fraud. A few days before, I received a check prepaid for the work and brought it to the bank to find out if it is real, the teller said that it can only be found out by depositing it. The teller deposited the check and told me to wait a few days. When I returned home I found another letter with another check and decided that the first check was probably fake, so I called the bank to tell them to stop the check. The bank agent on the phone said that this was impossible and that I should just wait for the check to clear. As a result, my bank account was closed and I was banned from the banking system for many years. Next, I sent my first dispute to the XXXX XXXX XXXX that was indicated in the letter from the bank, in response I received that All information is correct, the decision is unchanged. I called them and they told me to go deal with the bank. The bank sent me back to that service and said they couldn't do anything about it. I made a few more attempts to make an dispute in the XXXX XXXX XXXX- unsuccessfully. I went to the police and got a police report ( XX/XX/year> ), did the dispute again - I .was again denied resolution of the issue. After that I went to the bank several times and called, showed them proof of several new checks that then came to my address, showed XXXX XXXX XXXX denials, police report- they said they could not help me with anything. 
I can't open bank accounts, I can't get my paycheck, I can't do business because the bank refuses to address the problem and fix the issue.
Product: Debt collection

The first discrepancy as of XX/XX/XXXX, my XXXX  and XXXX  report that my High Limit is {$17000.00}. My XXXX  reports my High Limit as {$13000.00} how can I have two different original owed amounts on a car? The second discrepancy is that XXXX  says my account was opened on XX/XX/XXXX, and XXXX  and XXXX  says my account was opened on XX/XX/XXXX, again how is this possible for two different account open dates. The third discrepancy is that XXXX has no report data for the last two years of my credit report, XXXX has 33 charge offs, and XXXX  says that I've made payments on time which is a false statement on their part if that is so they either need to show proof but I know they can't because I never paid anything or they need to delete this account off my report for false verification