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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF ED/XXXX XXXX DPT ED/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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

Twice PNC Bank has opened a checking debit card account without my authorization. I have never banked with them. Numerous calls have gone unreturned. I have not given them my information or signed any agreement so they should not be opening anything without my consent. Their fraud department has done nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter sent XX/XX/19 asking for copy of consumer report was ignored by company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX TransUnion Credit report XX/XX/XXXX XXXX XXXX XXXX XXXX have last payment as XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} From XXXX/XXXX/XXXX to XX/XX/XXXX is five years. 
According to Florida State Statute 95.11 ( a ) ( b ), a debt is no longer legally collectible after five years, thus making this debt no longer legally collectible. 
The entire amount is no longer collectible and should not be shown on my report as any attempt to collect a debt which is otherwise uncollectible is illegal I send Transunion and XXXX XXXX a letter telling them that is not my account. 
Transunion send me a letter on XX/XX/XXXX verified as accurate and updated Transunion send me a letter onXX/XX/XXXX verified as accurate and updated
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX I have two credit cards with Bank of America. Both of these credit cards had no annual fee. Neither card had an annual fee until Bank America had to pay a dividend to XXXX XXXX. I now have to pay {$60.00} a year for both of these credit card. {$120.00} a year for no extra benefits. 

Every time I go to a Bank America I am told by the people that work at bac that Bank of America credit cards have no annual fee. I feel like a fool when I have to pay {$120.00} a year for annual fees. The people at Bank of America do not even believe that I have to pay an annual fee. 

I have spoken to many people in Bank of America, I even spoke to a vice president of bank of America. I think the vice presidents name was XXXX. 

I am way over being a fool to go to a Bank of America. The people at Bank of America tell me to apply for a new card. I hope you understand that I have my credit established with the credit cards I already have. 

Please help me. I want the annual fees suspended and I wand the fees I paid back. 

Bank America did give me the fees for my checking account back they just will not budge on the credit cards. 

Bank America Credit Cards : Visa ending in XXXX Visa ending in XXXX
Product: Debt collection

My service ended with XXXX XXXX on XXXX XXXX and my XXXX XXXX took over service with a new box on XXXX but at the same location. I was given the box by my adult son XXXX XXXX XXXX and promptly returned it on XXXX XXXXXXXX XXXX after the holiday. Returned in to the XXXX store and was told my account was paid in full. Then in XX/XX/XXXX I received a notice from a collection agency for {$70.00} which I preceded to go to XXXX different XXXX stores to dispute that I did not owe that amount and they were trying to charge me for service from XXXX XXXX XXXX where they were already charging my XXXX XXXX for the same service at the same address. I sent the collection agency all the paperwork and thought it was over but then they turned me over to another collection agency in XX/XX/XXXX and I tried to speak with a supervisor at XXXX and after talking to and explaining to the representative she placed me on hold several times for over XXXX XXXX and then transferred me finally to a supervisor where the phone line rang XXXX times without anyone answering and then the phone went dead. Then preceded to send the same documentation to this agency and thought the matter was resolved. Then XX/XX/XXXX received a letter from the XXXX different agency and tried calling but was ignored and harassed for payment. I've spent numerous hours proving that it is illegal for them to charge XXXX different people for service at the same address, especially since I had not lived there at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I have sent letters asking them to provide documents proving the debt is mine and have not received a response or proof. Ive shown them multiple times how they are violating the Fair Credit Reporting Act. This is holding me back from purchasing a home for my family. 

According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately. 

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission. 

According to 15 USC 1681, I have the right to privacy. 

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 that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate. 

I can go on and on and on! 

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. 

Experian XXXX XXXXXXXX XXXX XXXX # XXXXXXXX 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  has violated my rights. 

The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this.
Product: Mortgage

I missed my XXXX Payment due to car problems that needed to be fixed. 
There is one payment in my Chapter XXXX as I filed XX/XX/2015. 
The people in Home Modification Department have kept my monthly payment in Unapplied Funds. On my XX/XX/XXXX statement it shows {$2100.00} in unapplied funds. My payment according to this statement was {$1100.00} yet they would not apply this amount as a payment. 
In XX/XX/XXXX I sent in Check XXXX in the amount of {$1500.00} which has been cashed at XXXX XXXX. To me this is not correct and my payments should be applied and not kept as unapplied funds. XXXX XXXX at Wells Fargo stated I had to be in this situation due to the fact all payments have not been met. Her number is XXXX Extension XXXX. I need help in with this As Soon As Possible. I did not want a loan modification just to get caught up on my loan. I feel strongly I have done that.
Product: Credit card

I have problems accessing my account with my account was working well but I don't know what happened and they blocked me out and they said it's a hold on my account it's been there for several months and I have fun in there and it's covering me mental XXXX XXXX XXXXXXXX because I wasn't able to get XXXX or XXXX or anything I'm tired they keep sending me back to the same XXXX number I sent my ID proof address and they keep saying I need a birth certificate I'm from XXXX New York I haven't have a birth certificate for several several years I asked to provide another form of XXXX XXXXXXXX card with my gas electric bill I mean anything and there won't take it and they say sorry without that you don't have the money I'm fed up I wanted to take them to court so they would then have to identify me through my lawsuit
Product: Checking or savings account

I filed a complaint with SoFi XXXX XXXX regarding a transaction from yet another airline in the amount of {$700.00}. FOUR tickets were purchased out of my account. The communication has been terrible. Not even an email showing the dispute has been filed. When you call there is no way to speak to someone and the chat just lets you know the ticket has been created.
Product: Credit reporting

There was an update on an address that was just updated and its not mine I want it removed and investigated
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 NumberXXXX has violated my rights. Or a 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 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: Debt collection

IT is illegal to continue to report a tradeline that is not verified. unless the company can provide a signed application showing it was opended by the consumer the FCRA requires by law it is deleted. delete the tradeline immedietly. your previous response does not provide proof the account was opened by the consumer under the law a signed application is required
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND TRANSUNION STATED THAT THE WAS INVESTIGATING THE BANKRUPTCY THAT THEY ARE REPORTIING HOWEVER THAT IS NOT TRE. 
THEY ALSO STATED THAT THEY VERIFIED IT WITH THE COURTS WHICH IS NOT TRUE. 
THEY ALSO STATED THAT THE VERIFIED IT WITH XXXX XXXX AND XXXX, WHICH IS NOT TRUE. I HAVE CONTACTED ALL PARTIES LISTED. 
MY INFORMATION IS NOT WITH ANY OF THOSE COMPANIES. I WANT THE BANKRUTCY DELETED FROM MY CREDIT REPORT IMMEDIATLEY. 
THIS HAVE BEING GOING ON FOR MONTHS AND XXXX  AND TRANSUNION HAVE NOT DID ANYTHING BUT USE STALL TACTICS. I NOTIFIED XXXX  WITH THE FINDINGS AND THEY REMOVED IT FROM MY CREDIT REPORT IMMEDIATLEY.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax regarding its refusal to correct inaccurate personal information on my credit report, despite multiple efforts to resolve the issue. Specifically, I am disputing an incorrect address listed on my report. 

I contacted Equifax and spoke with a supervisor to address this matter. However, the supervisor informed me that they were unable to remove the disputed address, even though it is inaccurate. This refusal violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure maximum possible accuracy of information in consumer reports ( 15 U.S.C. 1681e ( b ) ). 

The failure to correct this inaccuracy is not only misleading but could also have a detrimental impact on my financial opportunities. I have provided all necessary documentation to verify my dispute, yet Equifax has failed to take the appropriate corrective action. 

I request that the CFPB investigate this matter and require Equifax to comply with its obligations under the FCRA. I also request written confirmation from Equifax once the inaccurate information has been removed. 

Thank you for your time and assistance in resolving this issue.
Product: Mortgage

I have made countless attempts to get them to pay my taxes and they have not done so. They told me that they mailed a payment on the XXXX which was never received then they told me the XXXX. I spoke with multiple people to include representatives, manages and escalation and still not resolved. The county has begun garnishing my wages and is preparing to put a lien on our home.
Product: Credit reporting

I sent XXXX letters to Experian ( XXXX in XXXX and XXXX in XXXX, 30 day apart ) concerning inaccurate information on my report concerning bankruptcy. I ask Experian to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received a letter on XXXX XXXX, 2016 stating that they have previously processed this dispute and the credit grantor has verified its accuracy. Last but not least, they said that unless you send us additional relevant information to support your claim, WE WILL NOT REINVESTIGATE THIS INFORMATION AGAIN. EXPERIAN has not providing me with copies of documentation bearing my signature in a timely manner. Thank you for your help.
Product: Consumer Loan

In XXXX 2017, I canceled a service with XXXX XXXX which resulted in a refund of {$310.00}. Instead of returning the refund to me, XXXX XXXX returned the refund to GM Financial Services. I contacted GM Financial about how to handled this transaction. Because I have Auto Pay, GM Financial told me that they would ( XXXX ) cancel the Auto Pay for XXXX. ( 2 ) apply the {$310.00} as a refund, and ( 3 ) that I would only need to pay {$130.00}. I did exactly what GM Financial instructed me to do. However, the Auto Pay for {$450.00} for XXXX was still processed. This was devastating because I am retired and was in the process of paying my bills when I received a text from my financial institution that I had a low balance. When I looked at my account, I discovered that I had been double-charged by GM Financial. I knew that I was going to be hit with insufficient funds if I did n't do something quickly so rather than calling GM Financial, I called my financial institution to have the unapproved charge removed. They instantly did this but it cost me {$30.00}. I wrote a letter to GM Financial asking that they reimburse me for this fee because it was their error that I was charged an additional {$450.00}. I wrote a letter to GM Financial requesting a refund, but they never responded to my letter. Consequently, I called GM Financial Customer Service. The representative stated that they could not reimburse me because I did n't come to them to get a reimbursement. I am reaching out to you for help. If I had gone to GM Financial, their process would have been at least 3 days before the refund would have been applied to my account. By that time, I would have been hit with several " insufficient fees '' which is why I went directly to my financial institution. I would appreciate your help in this regards. I have had no many problems with this company, I feel like I am doing business with a second-rate lender.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX  XXXX Balance : - XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$36.00} XXXX  XXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
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 15USC 1681. 

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 U.S.C 1681 section 602 A. states i have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than record 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

I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Product: Debt collection

LJ Ross collection agency for XXXX  XXXX erroneously placed a collection account for {$510.00} which is the same as XXXX  XXXX Account XXXX on my 3 credit reports ( i.eXXXX, XXXX, and XXXX ) as per LJ Ross letter dated XX/XX/XXXX. Conversely, on XX/XX/XXXX XXXX sent me notification stating that final balance of {$510.00} for XXXX XXXX Account XXXX have been TRANSFERRED to my current XXXX account. {$510.00} for XXXX XXXX Account XXXX is on my current XXXX  XXXX account. This LJ Ross collection agency account XXXX must therefore be REMOVED from my 3 credit reports ( i.e.XXXX, XXXX, and XXXX ). REMOVE THIS LJ ROSS COLLECTION ACCOUNT XXXX FROM MY XXXX, XXXX, XXXX CREDIT REPORTS BECAUSE DEBT WAS TRANSFERRED TO MY NEW XXXX ACCOUNT. I will sue LJ Ross and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, i applied to credit card from XXXX. I did not recived any result at that time. Result was going to be mailed to my address in 60 days. But i did not received anything from XXXX  yet. I tried reaching out to customer support but was going to a automated voice system giving me the same information as result will be mailed to you. I am not able to speak to a real person from XXXX yet. Want to dispute this enquiry from XXXX from my credit reports. 

Credit enquiry from : Institution Information XXXX  XXXX, DE XXXX ( XXXX ) XXXX
Product: Student loan

I have been trying to  pay Navient for the past two weeks online and they keep reversing the charges. Personally, I had problems with talking with them before about this problem and I would like to know what is the problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for credit for a personal loan. Credit Bureaus advised a bankruptcy was on my credit and verified by lexisnexis. This is incorrect information. I want to know how this information is being reported on my credit report. This is hurting my chances of obtaining credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I instructed Rooms to Go/Synchrony Bank ( and/or its servicer ) to no longer report my account information to any credit reporting agency. This instruction was sent via the messaging portal of my online account with Rooms to Go/Synchrony Bank . Attachment 1 Rooms to Go Message History '' shows this instruction highlighted in orange. I clearly exercised my right to opt out of the disclosure of my nonpublic personal information as permitted by privacy laws in 15 USC Chapter 94 Subchapter 1.

My opt out instruction was not complied with, as evidenced by Attachments XXXX, XXXX, and XXXX which show the account reported to the XXXX, XXXX, and XXXX credit reporting agencies. Rooms to Go/Synchrony Bank continued to report my personal information after receiving my opt out notice, which was unlawful. Additionally, the account balance was in dispute, but they still furnished the disputed inaccurate information to the credit reporting agencies which is a violation of 15 USC 1681s-2.

Consequent to what transpired, I was denied when applying for a loan recently due to the unlawful, inaccurate, and negative reporting of the account.