23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX veteran that is a protected class member XXXX of the XXXX and have constantly been discriminated and homeless still living in hotels as banks, insurance companies and other companies continue to harass and deny me loans. I have now been also denied access to open new bank accounts due to the many inquiries on my credit report to try to buy a home XXXX XXXX, chase XXXX and others have approved and denied me and yet for over 4 months I have yet to receive proper approval or in most cases even receive an approval. 

XXXX XXXX XXXX XXXX XXXX has canceled my insurance just made aware of this meanwhile XXXX has also denied my claim and my tenants have destroyed my property 3 times and all this began due to the gov rules of tenants not paying rent during COVID. 
XXXX was going to be sold XXXX until it was discovered that the first floor is no longer structural safe. 

Single female that have been battling with health issues for 23 years and have been declining for over 2 years. All companies are aware of my XXXX veteran status and none have offered any assistance just making things harder. 

I will go live abroad then since this United States veteran with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX still can not focus on her health with all the constant harassment and discrimination. If a person that have maintained good credit and never missed a payment can't get assistance and can't get home loans then who can? 
I have asked multiple companies to cease and desist. 
XXXX XXXX XXXX XXXX XXXX both denied me opening an account interesting you can deposit money because of credit inquiries. Asked neither for pain but to transfer money.. 
I was already terminated from employment so please all US based companies do not contact me. I will be abroad These are all issues that as I have been reporting to cfpb and XXXX that all logs are in the companies servers do not contact me stop harassing me I will not answer any calls or text or emails. 
Call the VA find out why I am not receiving special monthly compensation why my unemployment hasn't started and I have been without pay since XX/XX/year> while being in the XXXX 

I don't have time for all the United States of America constantly harassing me. Leave me alone
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

*15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I had sent letters regarding inaccurate and unknown alleged debts ob my credit reports. It has now been over 60 days later and I have not received a response. It is very frustrating as I feel that my concerns regarding this inaccurate information is being ignored. Section 611 ( a ) of the FCRA states that failure to investigate these items within 30 days give a reason for immediate removal of those items from my credit report. As stated it has now been over 60 days, and these items should be deleted promptly. I am demanding these accounts be deleted immediately or I will be filing for litigations due to the unresponsiveness and stress I've endured in attempting to resolve these issues. My information was involved in the latest equifax data breach and I fear it may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

In accordance with the Fair Credit Reporting Act US DEPT ED # XXXX and # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

After numerous efforts to correct the amount owed with XXXX ( XXXX XXXX XXXX ) for the amount owed for services after canceling internet, there was not an agreed amount to close the account. XXXX  continued to send billing statements for an amount that was not considerate of their own delays in canceling services when first requested and is detailed in a FTC complaint filed awaiting response. Credit Management has since proceeded to demand further amounts above XXXX  fees. On XX/XX/20 I had called to discuss the matter from which they could not resolve but did proceed to file the credit impacts to my scores from which should not occur due to the circumstances leading into this event. The representative did not even discuss options nor try to resolve the issue. These credit impacts need to be reversed immediately until XXXX ( XXXX XXXX XXXX ) corrects fees attributed to their poor customer service and delays in responding to cancellation activities.
Product: Credit reporting or other personal consumer reports

PLEASE VERIFY THIS ACCOUNT, BECAUSE THIS INFORMATION IS INCORRECT BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX  XXXX {$730.00} XXXX XXXX  XXXX XXXX {$60000.00} US DPT ED XXXX {$2600.00} US DPT ED XXXX {$3700.00} DPT EDXXXX XXXX {$3700.00} XXXX  XXXX XXXX {$400.00}
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and found fraudulent information.
Product: Checking or savings account

Was not informed of the class action settlement. Was unfairly charged overdraft fees and monthly fees.
Product: Credit card or prepaid card

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance
Product: Mortgage

My mortgage company is PHH mortgage there address is XXXX XXXX XXXX XXXX, NJ,XXXX.My payment have went through my bank and cleared yet they have no record of this for my XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and show no payment for XX/XX/XXXX. Now they want to foreclose on my home I have sent proof of checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, I have not received any responses from the credit bureau. There are so many confusing parts to my credit reports and over 10 items have discrepancies between the reports from each credit bureau. I feel like I'm being ignored.

Section 611 ( a ) it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Now that its been more than 30 days those items should be deleted immediately. After being informed that my information has been leaked by the Equifax data breach, I have very little trust over the credit bureaus and this has seriously led me to consider taking legal action.
Product: Money transfer, virtual currency, or money service

Paypal close my account for no reason. I am very frustrated because I cant widraw my money. This money is for my XXXX  XXXX. I cant start again.. this is my paypal account XXXX XXXX
Product: Credit reporting or other personal consumer reports

The late payments listed do not align with my regular payment habits.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to the following account below : DISCOVER BANK Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXXXXXX Acct # XXXX In accordance with section 602 an of the Fair Credit Reporting Act ( 15 USC 1681 ), " There is a need to ensure that consumer reporting agencies exercise their serious obligations with fairness, impartiality, and a respect for the consumer 's right to privacy. '' I am the consumer, and XXXX are consumer reporting companies. According to 15 USC 6801, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information, '' I have the right to ensure that my private information isn't shared. A financial institution is one that " ( Furnisher information to credit agencies ) is by definition under that designation. According to section 2 of subsection ( a ) of section 604 of 15 USC 1681, " In general, any Consumer reporting agencies may only provide a consumer report under the following conditions : in line with the consumer to whom it relates explicit instructions. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting companies XXXX do not have my consent to provide this information, and they most definitely do not have my written consent. All consents, whether expressed orally, nonverbally, in writing, implicitly, or otherwise, to XXXX ( Furnisher of information to credit agencies ) are canceled. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party without first providing the consumer with instructions on how to exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never made me aware of my option to withhold information. Furthermore, according to 15 USC 1681C ( a ) ( 5 ), " No consumer reporting agency may make any consumer report that contains any of the following items of information, except as authorized under subsection ( b ) Any other adverse item of information, other than records of convictions of crimes that predate the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  does not follow reasonable practices. A consumer may exercise their right to opt out at any time, according to 12 CFR 1016.7. I choose not to use your reporting services and opt out of them.
Product: Credit reporting

I contacted transunion for the last 2 months sent them identity theft form and disputed accounts they refuse to remove the negative items. XXXX # XXXX, XXXX # XXXX, XXXX # XXXX. They will not provide any documents with my signature, information ect ... that I applied or open the accounts. I keep disputing these items and they refuse to remove them.
Product: Credit reporting or other personal consumer reports

I've contacted XXXX over 60 times within the last 3 months relating to creditors being unable to access my Credit score. XXXX has yet to fix the problem, creditors are still unable to access my credit score. I also have requested over 10 times for them to mail me my updated Credit Score/Beacon score & its been over 90 days without any resolution to my problem, which is holding me up from moving foward in my life!! I was in the process of purchasing a home & now that particular home is no longer available because of this ongoing issue with XXXX. Just 90 days ago I had a beacon/credit score & all of a sudden no one has been able to access my information. This issue is causing extreme hardship along with them reporting inaccurate information on my credit file.
Product: Credit card or prepaid card

New York & Company closed my account a few days after I made a {$300.00} purchase in the store and a month after they had just increased my credit limit. I called to inquire why they said it was due to my credit report monitoring and that they did not have to tell me a specific reason, I have never had delinquency with this card. My credit score is way higher than when I originally obtained this card I have an excellent payment history on this card and all other commenity bank cards that I have had ( XXXX, Victoria Secret,  XXXX ) just to name a few and all of these cards are still open. So this makes no sense and their only answer was for me to contact the credit bureaus and I asked what for I have my credit report monitoring that I pay for and there is no negative recent issues this makes no sense and they are closing stores locally by me due to Covid and I think they are just shutting down cards I even pay for insurance on this card through Assure if I ever stop working so there is ZERO reasons my card was closed. In fact they negatively affected my credit history by closing the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to the inaccurate and inconsistent reporting of the XXXX XXXX XXXX  account ( XXXX ) across all three credit reporting agencies. I have attached correspondence from the creditor that directly contradicts the information being reported by Experian, Equifax, and TransUnion. The balance being reported on my credit report is {$220.00}, whereas the creditor has confirmed that at the time of closure, the balance was {$120.00}. Additionally, the date of my last payment is being misreported. The company states that my last payment was made on XX/XX/XXXX, yet Experian reports XX/XX/XXXX, Equifax reports XX/XX/XXXX, and TransUnion reports XX/XX/XXXX. There are also errors in the delinquency reporting, as the company confirms the charge-off date was XX/XX/XXXX, yet Equifax incorrectly lists the account as 60 days past due in XX/XX/XXXX, which is not accurate. 

These discrepancies are clear violations of the Fair Credit Reporting Act ( FCRA ) and have negatively impacted my financial standing. I have been trying to correct these inaccuracies for over a year, and your failure to report accurate information has caused me emotional distress and loss of financial opportunities. Due to this continued negligence, I am demanding the immediate deletion of this account from my credit report within 4 days. If this issue is not resolved promptly, I will be forced to take legal action under FCRA ( 15 U.S.C. 1681 ) and will seek monetary compensation for the damages caused by this erroneous reporting.
Product: Debt collection

As a consumer Ive gave this corporation no permission to put this false information on my so-called credit report or have I given this corporation permission to share my so-called information with third parties. On XXXX I had noticed that XXXX XXXX XXXX company had put some false information on my so-called credit report and shared this information with third parties by the name DIVERSIFIED ADJ SVC. This is unlawful under 15 USC and 15 USC1692i As being a consumer I am want this fraudulent information taking off of my so-called credit report and I am also seeking monetary relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a car out with XXXX XXXX about 8 years ago..I got into an accident the car was deemed a total loss and my XXXX insurance paid the car off in full amount.XXXX XXXX reported the car on my credit report as a voluntary repossession which is incorrect and they also have had a hold of my credit by doing this for the last 8 years.once again the car was paid for by my insurance and XXXX XXXX still has a hold on my credit I believe this is based on racial profiling as I been told by many dealers
Product: Credit reporting, credit repair services, or other personal consumer reports

I am expecting a refund for overpayment of an incorrectly billed medical account. My insurance company advocate has been working on this and in the meantime, I have been contacted by the company who turned me in for XXXX dollars and they told me on XX/XX/2020 that they would be working with TransUnion and any other bureaus that were inaccurately reported to to have it removed from my credit. This still has not happened. XXXX of the bill is being written off, and I am told I will also get almost XXXXk back in the form of refund/overpayment. I just got off the phone with TransUnion and I was told nothing is showing up there as of today in terms of getting the XXXX $ account removed. So I tracked down the company and Just got off the phone with an agent named XXXX from XXXX at XXXX and she said they have been billing me at an address I lived at 22 years ago ( which is what XXXX XXXX was originally doing ). She is deleting this from my Transunion report, but if my credit score does not go back up the FULL 23 points that it dropped from this erroneous reporting, I need to be compensated and am prepared to file legal action. Transunion representative named XXXX told me that even if the account is deleted, my score will likely not go back up the full amount of 23 points. THAT IS NOT RIGHT and I am trying to get a HELOC RIGHT NOW and need all the points that I earned. This company reporting an account that was erroneous should not affect my score no matter what. According to my astute calculations as I study my credit weekly, it would cost {$8000.00} to raise my score 23 ponts ( by paying down balances ). If the score only comes back half of the 23 after the account is removed, then it would be {$4000.00} to remedy. I will be filing complaints against XXXX XXXX  and all doctors affiliated with serviced I had as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act You are reporting the wrong address of XXXX XXXX XXXX XXXX XXXX  XXXX, attached is my proof of my address delete and remove all address thats reporting in error only one address should be reporting XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX AACT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX AACT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX, has violated my rights XXXX 

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 then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft, in which I've contacted the Transunion and XXXX   of such, but the bureaus failed to block the charged off XXXX/XXXX  XXXX account under 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days XXXX XXXX # XXXX Please see attached copy
Product: Credit reporting, credit repair services, or other personal consumer reports

I pled to have the 90 days late payment status on both loans removed from my credit report. I was under the impression that the loans were still in deferment. I received a credit alert in XX/XX/XXXX that the loans were 90 days past due. I was unaware that the loans had entered the re-payment. In XX/XX/XXXX the federal government entered student loan repay pause due to the XXXX crisis. After several extensions the pause is extended to XX/XX/XXXX. I feel that the 90 days late status is in error. It has made a very negative impact on my credit which is preventing me from closing my house. I have worked hard over the past few months trying to improve my XXXX XXXX. This negative impact on my XXXX XXXX, has caused me stress and anxiety. The housing market is unfair for minorities, and Im requesting removal immediately. If this matter is not resolved, I will have to reach out to an attorney to help get it rectified. Ive made several attempts to get XXXX to resolve this matter. I was told theres nothing they can do.
Product: Debt collection

Experian has failed to meet its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. The disputed accounts remain unresolved, despite the evidence I provided, leaving inaccurate or unverifiable information on my report. 

I am aware of the Consumer Financial Protection Bureau ( CFPB ) s recent lawsuit against Experian, which alleges systemic failures such as neglecting to forward consumer evidence to furnishers, relying on unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures mirror my own experience, where Experian has failed to take corrective action, resulting in harm to my credit standing. 

I am formally requesting immediate corrective action to remove or amend the disputed accounts in accordance with FCRA regulations. Experians continued inaction constitutes a violation of federal law and infringes upon my rights as a consumer. 

Please confirm receipt of this request and notify me of the corrective measures taken to resolve this matter.