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

I rented the apartment XXXX XX/XX/XXXX, we move in on XX/XX/XXXX XXXX XXXX, told us the place was perfect for families, my wife is an XXXX  XXXX  so we ask XXXX about black mold and specially cigarettes she told us the complex was non smoking community, the first day the heater didn't work properly and dishwasher broke down, we sent a repair request and they came fast, was good we thought, then dishwasher broke again and again, the door at the laundry felt off, the first shower the bath tube peeled and have a very weird orange color, the neighbor have a lot of males visitor at least 10 men 's everyday all of them smoking and weird looking, cigarret smell was leaking inside, every night the upstairs neighbor use the washer and walk all night long, my wife complained and the manager in a very rude tone said she couldn't handle, my baby girl my wife and I gets a very bad upper XXXX XXXX  cause one day we came back and some kind chemical smell was inside the apartment, they said was carpet cleaner now we know was poison for XXXX  XXXX, my daughter have some kind of bites and have a very XXXX reaction, my wife clean all te apartment and found out XXXX  XXXX  were coming from the neighbor apartment we made pictures, now this people have a collection company trying to get almost XXXX $ after we have to abandon the apartment because my wife couldn't stand in that nasty place, we left our belongs because the manager said we brought the XXXX  XXXX with us, tried to make us pay the exterminator and we suppose to wait for 15 days for them to come and kill the XXXX  XXXX.
Product: Debt collection

A third party shall not sell personal information about a consumer that has been sold to the third party by a business unless the consumer has received explicit notice and is provided an opportunity to exercise the right to opt-out pursuant to Section XXXX. 
Debt collection agency is making a false claim on a debt that cant be validated and violate the consumer protection act XXXX The act provides for better protection of the interests of consumers and for that purpose to make provision for the establishment of consumer councils and other authorities for the settlement of consumer 's disputes and for matters connected therewith. The basic rights of consumers as per the Consumer Protection Act ( CPA ) are : XXXX. Right to Safety : It is the consumer right to be protected against goods and services which is hazardous to health or life. 
XXXX. Right to be Informed : The consumer has the right to be informed about the quality, quantity, purity, standard and price of goods he intends to purchase. Therefore, the manufacture must mention complete information about the product, its ingredients, date of manufacture, price, precaution of use, etc. on the label and package of the product. 
XXXX. Right to Choose : The consumer should be assured of freedom to choose from a variety of products at competitive prices. 
XXXX. Right to be Heard : The consumer has right to register dissatisfaction with any product and get his complaint heard. The right to be assured that consumers interest will receive due consideration at appropriate forums. 
XXXX. Right to Seek Redressal : It is the right to seek redressal against any unfair trade practices or unscrupulous exploitation of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 8 and 10 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Consumer Loan

I received the attached advertisement in the mail. I did not solicit anyone for a loan. I called the number to stop receiving offers. The recording said they would need my 'Social Security Number '' in order to take my name permanently from their records. It is obvious that this is a scam to get people 's social security numbers. Additionally, the amount of interest equates to 92.52 % per year. I am pretty sure that is illegal. ( I have scratched out my info on the check so it can not be used )
Product: Debt collection

In XXXX I used my XXXX XXXX XXXX on vet emergency for my dog. XXXX. I had XXXX XXXX and XXXX made it so I couldn't pay it. Last year my son passed in a car wreck I finally got clear enough to think contacted XXXX XXXX who tells me the acct was written off. I check XXXX XXXX and see this LVNV debt for this XXXX XXXX debt that XXXX XXXX has written off. They are showing it was incurred XXXX which is inaccurate. I dispute it and through the process of this I get a collection notice from another collection agency trying to collect this XXXX for LVNV. XXXX claims the debt is right I dispute again because I ow XXXX XXXX not them, the dates aren't right and they have another collection agency trying to collect the debt for them while they are trying to collect on a debt XXXX XXXX has written off. I can scan the original debt paperwork from alpine animal hospital and the collection notice from the place LVNV hired. Just let me know if needed. I am on my phone or I would upload now.
Product: Credit card or prepaid card

XX/XX/XXXX i made online purchase from clearance on 2 rumpers ( casual dresses ) on clearance for XXXX clearance discount. I was charged regular price. Initially i was hoing to return to store. But no paperwork came with items only description on bag it was packaged in so I was waiting for my credit card statement so as it neared the 30 day time i called and advised j c penny of the error and i was told it was too late and nothing can be done about it. I was charges 3 x the advertised price for off season summer wear. I also purchased 3 bras on clearance which charged correctly. Acct. XXXX. XXXX XXXX
Product: Checking or savings account

I opened a Capital One 360 checking account on XXXX. No issues, they opened it. Well today on XXXX my uncle sent me {$2000.00} for college and my birthday. XXXX, XXXX says pending. An hour later I get an email saying my account was frozen and to call in to verify the deposit. I call in and verify myself after half an hour on hold. The rep then tells me that XXXX has decided to close my account and will not be giving me a reason. Nor would they mail me my birthday money. They absolutely refuse to help. They closed my account in the middle of a deposit without any reason after a month of me being a customer. And I never went into a negative amount. I want my money and an apology!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

n 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, has violated my rights. 


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

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


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

EXPERIAN removed collections/ deleted from my credit report only to have them reappear later to negatively impact my credit score and credit report. XXXX failed to investigate collections before placing them on my credit report or they would have saw that the same collection is being reported twice and reflecting my credit report to have XXXX derogatory marks. Therefore my credit score dropped significantly and has caused me personal distress and anxiety due to having to find resources to justify EXPERIAN wrong doings.

As you will see in the files uploaded below the same collection is being reported twice on my credit report reflecting a negative impact on my credit score
Product: Debt collection

Recently I looked over a copy of my credit report and I did notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item XXXX asking you to verify as accurate. 

SYNCB/PPC XXXX
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because i was a victim of the XXXX data breach. i want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times and explained that the address XXXX XXXX XXXX XXXX, MS does not belong to me & I have never lived there. I disputed this address back on XX/XX/XXXX and there were no changes. I also disputes again on XX/XX/XXXX and this was not deleted. I spoke with someone in the special handling department and she did nothing either. This information is not mine & should be deleted from my credit report. I explained that I have been a victim of identity theft & this incorrect information allows easy access to open additional accounts in my name.
Product: Student loan

In XXXX 2015, the original debt of XXXX plus interest of XXXX = XXXX which was represented as the total indebtedness at that time. How did the debt rise to XXXX in 2+years ( an increase of ~56 % )? Debt numbers can not be referenced to any loan generation source ; they are not cross referenced to any other loan numbers. see attached documents to secure these points.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is criminal. 

I have an old XXXX XXXX XXXX account ( XXXX ) showing on my credit reports with inconsistent and inaccurate information. I will attach a a picture for reference. You can see on the 3 credit report attachment that the following information is inconsistent across the three credit agencies : 1. Account Status 2. Date Opened 3. No of Months ( Terms ) 4. High Credit 5. Payment Status 6. Last Reported 7. Date Last Active 8. Date of Last Payment The payment history is also inaccurate. XXXX had the account in Charge Off Status for over a year after it was legally settled. I obtained a car loan 13 months ago and my interest rate was affected by this fraudulent information ; meaning I have monetary damages due to this illegal reporting. I disputed multiple times and the information is still there, the only thing XXXX did was change by last few payments to " On Time ''. IF IT WAS A CHARGEOFF HOW CAN IT SUDDENLY BE PAID ON TIME THE LAST 6 PAYMENTS. Please look at the attachment and see how insane this reporting is. I will be seeking legal advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agency : Equifax ; Creditor : XXXX XXXX  XXXX XXXX ; Account Number : XXXX. Recent disputes were submitted via the CFPB portal regarding this account on XX/XX/XXXX. After reviewing my Equifax credit file on XX/XX/XXXX, I noticed two errors. Error 1 : " Payment Status '' is incorrect. The " Payment Status '' should show " charge-off. '' Error 2 : An unauthorized statement has been inserted for this account in the " YOUR STATEMENT '' section. The " YOUR STATEMENT '' section belongs to me, the consumer, and I have never requested, authorized, or provided the creditor ( XXXX XXXX XXXX XXXX ) or the credit reporting agency ( Equifax ) to add any statement. Per the FCRA, the creditor and credit reporting agency are only permitted add a comment in the " COMMENTS '' section. Equifax is in violation of the Fair Credit Reporting Act ( FCRA ) section 611 ( b ) which clearly outlines consumer statements. Equifax is in violation of FRCA section 611 for ( a ) failing to record the current status of disputed information and ( b ) reporting an inaccurate item in my credit file. As a reminder, per the FCRA, a consumer ( s ) credit file must be 100 % accurate and my Equifax file clearly is not. Please refer to the attached copy of my Equifax credit file with the two errors highlighted.
Product: Checking or savings account

I filed a claim for unauthorized charges on my account, however, Chase denied the claim saying that the information provided doesn't match what was filed. The information I provided was indeed the same as what I filed, so I do not think it is fair that they rejected my claim. They denied to give my money back and reverse their transaction to me.
Product: Credit reporting or other personal consumer reports

RE : XX/XX/XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim ofXX/XX/XXXX. The information listed below, that is currently listed on my credit report is a result of thatXX/XX/XXXX. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Employer - XX/XX/XXXX Employer - XXXXXX/XX/XXXXEmployer -XX/XX/XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XX/XX/XXXXXXXX Listed below are the Collections that are being challenged XXXXXX/XX/XXXXXXXX Listed below are the Inquiries that are being challengedXX/XX/XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXXIN PERSONS OR XXXX XXXX XX/XX/XXXX. IF THE CONSUMER HAS PROVIDEDXX/XX/XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XX/XX/XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Checking or savings account

On XX/XX/2022, I filed a claim with my bank Wells Fargo for withdrawals from my account totaling {$3500.00}. These withdrawals were from a site called XXXX, " whom I had contacted once I noticed these transactions and they said they couldn't do anything about it and that I had to contact my bank. So I did. Around XX/XX/2022, my phone was stolen which contained not only banking passwords but passwords for everything like social media accounts, cryptocurrency accounts, emails, etc. I didnt think twice about the passwords or any of that information I figured they wouldnt be able to get into my phone and find the passwords but they did and these transactions from XXXX XXXX XX/XX/XXXX - XX/XX/XXXX were not made by me. I finally noticed on XX/XX/XXXX because the transactions were so close together and just that day alone there was over {$1000.00} in transactions and my bank never contacted me once to confirm they were from me. I didn't hear back about my claim until XX/XX/2022. Wells Fargo denied my claim and when I called they said it was denied because the merchant stated that these transactions were real and that Wells Fargo believes these transactions were from me. They said there was nothing I could do but contact the merchant I tried contacting XXXX again but they said there is nothing they can do. I filed a claim with the cfpb but nothing was done. I let this situation go figuring I'll just take the loss but after talking to family friends who are lawyers they said I should file another claim with the cfpb so that is what I am doing. I hope something will get done about it this time.
Product: Checking or savings account

XXXX XXXX : I successfully open a Discover high yield savings account XX/XX/XXXX : I attempt to connect my bank ( Discover doesnt take my bank. doesnt tell me this though! ) - instead of giving me an error message it just locked me out PERMANENTLY for too many attempts. 
XX/XX/XXXX XXXX XXXX : I call Discover. They half remedy the issue by unlocking my account, I thought everything was fine. 
XXXX I find that I can't open new bank accounts. I can't connect accounts. Apparently Discover sent XXXX some message saying I'm negative. From what I'm reading this mark with remain there for 5 years. No other information is available accept that I have the option to ask for this report and dispute it. Notice how much I need to do because Discover 's platform doesn't inform you of THEIR website error. Websites are telling me " pay down debt '' as one of the steps. As if I did anything wrong or owe anyone money. 
XXXX I fill out my sensitive info for XXXX, click send, nothing happens. I try on a XXXX, same thing. I'm on a common laptop, like what's the issue? This is actually illegal on the part of XXXX, because they claim they will give me my report but it is inaccessible. I actually try to call, but the connection and accent is so bad I can't understand anyone and I give up. I promise I'm not being XXXX, XXXX XXXX ; I really struggle to understand heavy accents. Inaccessible information that is mine. Hours spent by now. 
XXXX I call Discover back to give them an opportunity to correct it ; the kind and unfortunate supervisor tells me that by their rules Discover can not do ANYTHING FOR ME! I have to reach out to XXXX. He was upset as well, he didn't even know this could happen to someone. 
XXXX filing this complaint. Will bring lawyers into the situation if needed. 

*This date was an error on my first submission for XXXX XXXX it was XX/XX/XXXX that I opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BRCLYSBANKDE, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, BRCLYSBANKDE, XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 12 years, Bank Ocwen did not let me refinance with another banks because bank Ocwen marked my credit report 2 times in XXXX and XXXX with incorrect information and complicated my life moral and financial. 
First they made a mistake with my whife name XXXX XXXX XXXX XXXX XXXX, the bank included her name on the title and the mortgage was only in my name XXXX XXXX XXXX XXXX. We bought the house in XX/XX/XXXX and we lost the house in XX/XX/XXXX the Lawyer XXXX XXXX XXXX said for us leave the house, then we back to the house in XX/XX/XXXX because the bank Ocwen didn't take the house back, we don't know why because we don't know how the law with Mortgage works here in USA and I did a modification just in my name The program HAMP save our home in that time.I would like to know if I can have a compensantion for the damages caused unfairly on my credit report because I finished my bankruptcy in XX/XX/XXXX and I aware I have to wait 10 years to do any refinance with another bank but the Ocwen first marked on my credit report that I did bankruptcy in XXXX then he reported in XX/XX/XXXX marked me again said I had banckrupcity and chapter XXXX in that date that is incorrect and this is unfair because in those 10 years I have been always paid my mortgage on a due date just now I'm in the Forbence Plan, I have to start pay the house in XX/XX/XXXX. I have all papers from the Bank and from the Court showing to prove that I'm saying the truth. Bank Ocwen and Bank XXXX worked together against us. The title is on the name of the bank XXXX and I can not make full payment before XXXX, and I can't sell the house either I'm sending all documents about the house and courts by mail. The bank Ocwen stopped reporting to my credit report my payment since XX/XX/XXXX and I have all documents showing the payments until today. I don't have the Title and deed of the house. 
I tried to refinance the house with another Bank last month and I found that I can't make nothing because of the derogaty, bankruptcy and chapter XXXX marks was reported on my credit report and another bank told me the title is in the name of XXXX XXXX. I will send by mail all the documents tomorrow XX/XX/XXXX. I sent here just small file the rest I will send by mail because they are big file. Could you please help me! 
Thank you so much!
Product: Debt collection

This payday company has been calling and sending emails to my sister, XXXX, despite of repeated information that my sister had a XXXX. 

They threatened to : 1. File information relating to your bad debt with a credit reporting agency, which could result in your inability to conduct business with other short-term lenders, write checks to retailers or merchants, or open checking accounts with banks. 

2. Refer or sell your past due account to a third party collection agency. Be advised, the third party who obtains your account, may in turn, undertake further collection efforts against your, including such legal action as may be permitted by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX