23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In refer to Complain # XXXX, I would like to re-open this case and to send the complain to another state or federal agency, or help me to get in touch with another state or local consumer protection office that can assist me in resolving this problem. It is very disappointing, CareCredit response to my complain and what they called investigation is disrespectful. As per they own records, they supposedly open my claim on XX/XX/XXXX and they closed it back on XX/XX/XXXX, it took only 3 days for them to investigate this issue or maybe 2 days or 1 day? Because as far as everybody knows XX/XX/XXXX is a Holidays and also most of the companies will not open the last of the year. So, what kind of investigation they did? I can see it is very easy and convenient for them to believe what this provider XXXX XXXX XXXX XXXX and sign in a paper, but not the evidence I sent my self, as a patient. I do not see anything new from the provider, since those papers from XX/XX/XXXX, they are not asking her for any prove or evidence of the work she claims she performed, instead I have sent them a comprehensive evaluation from a different provider and pictures of my mouth where they can see no bridge or crowns where she said was done, but that is not enough for them. How is it possible that this providers word is more credible than my own facts? Is there some kind of discrimination here? This is the reason why providers like XXXX XXXX keep scanning people and taking advantage of patients like me. It is very unfair and disappointed. It is very clear, and you can even see it on her statement, she claims I when to her office 3 times ( note : I actually only when 2 times ), Wednesday XX/XX/XXXX when she initiated the root canal of tooth # 2, Saturday XX/XX/XXXX which didnt happen because her office is closed on XXXX, and Monday XX/XX/XXXX when she did completed the composite occlusal of tooth # 1 and that was when the problem started because I realized she was doing a pretty bad job, I didnt like they way she was performing and I even question her because she was planning to start working on the XXXX without performing a cleaning first. That was the last day I seat on her office for a treatment. As you can clearly understand no one gets bridge and crowns done in 3 days, because as far as everybody knows crowns are make by a dental lab and they take at least 2 to 3 weeks to be delivery. Therefore, it is hard for me to understand, why is it that they dont see it? or they dont want to see it because it is just easier for then to decline my dispute and charge me for service I didnt received than to confront the provider and request to return the money for the services they didnt provide? Please, I really appreciate if you can send my complain to another entity that can further assist me with my dispute and you can please advise me which could my next step to escalate this problem for prompt and fairly resolution. Also, I am requesting that CareCredit issue a temporary credit to my account, stop sending me bills and stop reporting to the credit bureau while this issue is not resolve, because they havent stop billing even during the dispute.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately.

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly.

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding these fraudulent accounts, but TransUnion has failed to provide a solution to this issue.

This has significantly impacted me, preventing me from acquiring a new home for my family.

This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me.

I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response.

For these reasons, I request immediate action to block and remove this information from my credit report.
Product: Debt collection

I am writing to address the inaccurate reporting of balances on the following accounts in my consumer file. Also, the XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, regarding the bankruptcy XXXX XXXX XXXX Reference : XXXX, the reported information is inaccurate.
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  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : U.S. Bankruptcy XXXX # 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 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 XXXX 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: Student loan

Nelnet is reporting a 90 day late on my credit report. I do n't believe this is factual. I have consistently sent in my documents to defer my payments since graduation school. I have written them over 3 times to see documentation of this 90 day late in XXXX 2012. 
The worst part is that they are reporting all of my loan separately and that makes it look like I was late on over XXXX credit accounts. : - ( I feel this is unfair as I am trying to purchase a house and get a car and this is holding me back.
Product: Credit card or prepaid card

I wrote a letter to capital one bank credit card in reference about a credit card being opened under my name since I been XXXX at the XXXX XXXX correctional center in XXXX XXXX. I have been iXXXX  in the XXXX XXXX XXXX XXXXs since XX/XX/2017 to present day, I have never applied for this account nor giving anyone to use my information to do so. I'm serving a XXXX year sentence in prison, I sent them a letter, copy of my XXXX XXXX XXXX XXXX XXXX consolidated Record card, a copy of my department of corrections prison Identication card. That could've have been easily verified had they did a proper investigation into this matter, contacted the XXXX XXXX XXXX XXXX to see infact that I was XXXX Capital one responded on XXXX XXXX stating with the limited information that we reviewed from u we can see no evidence of fraud on your account. I believe this company did not take my dispute seriously, systemically denied my compliant without any investigation. Which is in violation of my due process rights.
Product: Debt collection

I have received two notices from Transworld Systems regarding a debt from XXXX. I contacted XXXX at the phone number provided by Transworld Systems. The number listed was XXXX. There was no response from the other end. It just went silent after connecting. I contacted XXXX at XXXX and spoke with XXXX at XXXX. She and her supervisor, XXXX, could not find any outstanding debt. Also they could not determine the phone number provided by Transworld Systems as one of their phone numbers. I contacted Transworld Systems at XXXX and was disconnected before speaking with anyone. I need to get this fixed right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According TO PER USC 1681 I DIDNT AUTHORIZE THE REPORTING OFFICE ACCOUNTS UNDER 15 USC 1681 C-2 PLEASE BLOCK AND REMOVE THE FILES. INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PER 15USC 1681 I DIDNT AUTHORIZE THE REPORTING OFFICE ACCOUNTS UNDER15 USC 1681C-2 PLEASE BLOCK AND REMOVE
Product: Checking or savings account

Due to the COVID Pandemic The XXXX XXXX XXXX allowed me as a cabdriver ( independent contractor/sole proprietor ) to apply for a COVID EIDL Loan. They also offered me a granXXXX. The grant was in two disbursements : {$10000.00} and {$5000.00}. I also received a loan in the amount of {$24000.00}. Upon receipt of these funds Citibank closed my account without any notice. The reason was because the money was deposited into my personal checking account. The XXXX did not specify that I needed a business checking account in order to receive the money. I have called the Consumer Fraud Protection Department numerous times but to no avail. I exhausted all my options, including asking if I could open a business bank account with them and have the money transferred. 

I contacted the XXXX. They advised me that Citibank needed to return the money back to them, after which they would reissue the funds to me in a different bank account. Citibank would need to provide me with proof that they returned the funds. I would then have to submit that information to the XXXX. 

As of today I have no contact with Citibank. I do not know what else to do. It's going on a year. The loan of {$24000.00} is accruing interest but I have no access to the funds. Any help you can give me would be greatly appreciated
Product: Bank account or service

I have a Bank of America checking account. My available balance was {$2300.00} and my card was lost. Upon checking my Account online, I noticed some transactions I never made and immediately transferred my remaining balance of {$200.00} into my other account, so as to block cash access to whoever is fraudulently using my card ; and immediately called Bank of America customer service. 
A claim was filled for XXXX unauthorized transactions on XXXX XXXX 2016, totaling {$2000.00} and my card was replaced. The representative then said i 'would ' be receiving a provisional credit for my claims in 48-72 hours. 
After 72 hours of the transactions posting, I did n't receive any credit. I called customer service and was told it was XXXX more pending transaction, and that all disputed transactions must post before credits apply. 
All the transactions have posted, and yet, nothing. I called again, and was told it a new account. I 've had my account for 2 months. That to me, is n't new anymore. 
All BofA did was charge me {$5.00} for card replacement, which made my account negative balance. 
Every time I call customer service or claims department, they all say different things at different times. It makes me wonder if there 's a play book for this or these bank 's reps are just allowed to say anything to customers, even with the fact that the calls are recorded!
Product: Debt collection

I just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature
Product: Credit reporting or other personal consumer reports

Experian has violated 15 USC 1681g ( a ) ( 2 ) and FCRA 609 ( a ) which states that when responding to file disclosure requests, CRA 's must disclose to the consumer " the sources of information, including both the original source and any intermediary or vendor sources. According to the attached dispute response, Experian stated that it contacted " two data furnishers '' who verified the accuracy of record " XXXX XXXX XXXX XXXX XXXXXXXX '' on my credit file. Experian has failed to " clearly '' disclose the names of these two sources. Experian has also stated that disputed records are not reported by the courts they are filed ( original ) source. By refusing to provide these sources, I am unable to properly dispute and correct the errors of this record. I am requesting {$1000.00} for this violation in accordance with USC 1681n ( a ) ( 1 ).
Product: Mortgage

I tried calling my loan servicer " LoanCare '' - A service link company. I had previously asked them via request on their website to provide me records of my XXXX interest forms for XXXX and XXXX. They advised I needed to go to the old servicers and ask the previous servicers to provide those statements. This was misinformation as the previous servicers ( XXXX, XXXX, XXXX ) advised that all record of my account was purged and all documentation was migrated to the new servicer. 
I called LoanCare and advised them of this on XX/XX/XXXX and they advised me to submit another online request. I asked to speak to a manager and was put on hold for 15 minutes. After that hold, I was told a manger was not available and would call me back. 
No one ever called back. 
On XX/XX/XXXX I called and spoke with a manager XXXX XXXX. I advised of my situation and she advised that I would have to reach out to the prior servicers. I advised that I had tried that to no avail, and that as my current servicer, it was their responsibility to service all aspects of my loan, including providing me with historical documentation such as XXXX   forms. I advised I was getting frustrated and would file a complaint with the CFPB. After I mentioned I might file a formal complaint, she advised her team could research and track down the prior XXXX for me from the other servicers and that I should expect a response within 5-7 business days. 
I didnt bother asking why they all of the sudden where willing to help me when I mentioned that I would file a complaint to the CFPB. 
If they had the ability to do this the entire time, why couldnt they just have helped me from the start? 
I spoke with XXXX XXXX on the 7th business day. She was helpful to the best of her ability, but it seemed like she did not quite know when the request would be completed I advised I would follow up on XX/XX/XXXX and then did so. 
I again spoke with XXXX XXXX on XX/XX/XXXX that they were waiting on prior servicers to deliver the forms to them, but was unable to answer when that would be completed. 
I'm in desperate need of my XXXX forms so I can file my taxes, but LoanCare/other prior servicers seem to be unwilling/unable to work with me to provide those forms. 
I would like to note, I think this is an issue with the overall servicers ability to complete my request. XXXX specifically has been as helpful and willing to assist as anyone could expect her to be. 
I am now asking for CFPB intervention in hopes to finally get the documentation I need. 
Please help. 
Additionally, if possible, I am requesting that my loan be service transferred outside of the service link family of servicers to a more organized, more ready to assist servicer. 
Please feel free to reach out XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Bank of America intentionally trapped me as a consumer into a high interest rate poor credit card package by forcing me to sign up with a " pre-paid '' credit card first. I was told because i was young and had little credit history, that they prefer i do a prepaid card. Bank of America uses this practice to Trap younger generations and making it difficult and impossible for them to obtain Fair credit card deals and packages once they have proved their credit worthiness after paying their bills responsibly. Instead, BOA transfers their credit account directly to an interest charging credit card service with an APR exceeding 20 % + charging me annual fees when i generally would not be. I was robbed of the opportunity to have a better credit card service through bank of america, as it already deceptivley trapped me in the prepaid credit card service. Just a couple months after being told i should start with BOA prepaid credit card, i was approved for XXXX XXXX Credit card, which is XXXX of their premium credit card services. I believe Bank of america is intentionally trapping younger generations into deceptive credit card agreements, manipulating consumers into being trapped into accounts robbing them of credit opportunities and competitive deals. Even though i have always paid my bill, ever since my trial period was over with BOA, i have been rejected of new bank of america offers that would grant me the Usual 0 % apr for 15 months plus other card benefits. I believe bank of america is participating in anti competitive practices, consumer fraud, deceptive consumer practices, among other violations against me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misleading / omitted information about working with the mortgage co on loan modification as related to credit reporting. Just informed during modified payment trial period of 3 months mortgage co ( 5th. 3rd.  bank ) continues to report account delinquent and also holds payment and does not apply to mortgage payments for 3 months. During this time we are still considered delinquent. We were unaware of this. Under false impression, credit reporting would not be un-favorable and that we would not be penalized while working with mortgage co. Started working with mortgage before late 30 days - XX/XX/XXXX. Get different information from mitigation department case workers. This 3 month trial period ends in XX/XX/XXXX. Thought mortgage co preferred immediate communication and loss mitigation instead of repo. Told this process was favorable for us and mortgage co. Not so! Not informed of this until today XX/XX/XXXX. Not fair. They refuse to give us documentation of all communication while processing this agreement without a subpoena Thus protecting themselves from mis -guidance or lack of information during this process on their part.
Product: Checking or savings account

Every time I have money in my account, they say I dont have any in my account so they charged me overdraft fee
Product: Debt collection

I have received repeated text messages from the number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) claiming to be XXXX XXXX, a debt collector, containing the following link XXXX XXXX XXXX XXXX XXXX. The mesage includes text indicating ( Reply STOP to opt out ), however when I reply STOP it states " you are no longer a part of this group '' and doesn't allow my response to be sent, therefore I continue to receive these unsolocited messages, which are coming into my business phone. This organization was never given permission to contact this phone number.
Product: Credit reporting or other personal consumer reports

My federal consumer rights are being violated, This is my formal request for the deletion of the alleged outstanding debt referenced by your agency in accordance with the HR5180 amendment, section 101, paragraph XXXX Amendment of the Fair Credit Reporting Act, which reduces the time period that most adverse credit information stays on consumer reports from 7 years to 4 years. 

Please find the details of the debts in question : XXXX XXXX XXXX  XXXX - Alleged Amount Owed : {$5400.00} - Date of Debt : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - Alleged Amount Owed : {$1700.00} - Date of Debt : XX/XX/XXXX Both of these negative alleged debts are greater than four years and therefore are considered inaccurate and according to USC Title 15, Section 1681s-2, creditors and credit reporting agencies have an obligation to accurately report information on consumer 's credit reports. Any continual violation of reporting inaccurate information will result in possible remedy and legal action.