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

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX  TransUnion LLC XXXX. XXXX  XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I tried applying for a credit card I was denied because of a fraud alert that was placed on my Equifax account. My banker found a number that I could call and talk to a person to see what the problem was. Fearing that I might be a victim of identity theft I called. ( XXXX XXXX ). I called and the person said that I need to send documents ( SSN, State ID, proof of an address ) to a location in Georgia. I did and got a letter back about a week and a half, stating that I did not have an account with Equifax or I have no credit history ( I do ). So I called the same number again asking for an explanation. The person stated that there was another name attached to the account and that I needed to send the documents again. I did so by Fax and mail. I have not received anything back from them in the past two weeks. So I called again and ask to speak to a supervisor. The person tried doing a search for the documents that I had sent in the previous three times but was unable to find them. They told me that would put my account under investigation and try to find out what happened to the documents and they asked if I could resend them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove. 2 hard inquiries for capital one
Product: Vehicle loan or lease

My husband bought a vehicle back on XX/XX/2011. He is now in a XXXX home and I am getting calls by Synergetic Communication Inc. They consistently call, and they are advising I need to pay. I have asked them on numerous occasions to please stop calling and they have not done so. I am not responsible for this debt. I am a senior citizen and is on a fixed income.
Product: Debt collection

Debt unknown. I got a call from XXXX XXXX stating he had legal action against me. He stated they had " certified legal action '' to deliver to me. I called back and got and XXXX answered with only his name and Claims. I asked what company he was with and he stated Bayside Capital. I have never heard of this company and do not appreciate a company who has sent me no correspondence with me stating they will show up at my work or home.
Product: Debt collection

The US Bank XXXX  XXXX that I have has a vary large balance and is very unwilling to waive late charges and discuss about what a fee of other debits mean on the statement/account. The representative didnt know what those were. Also they denied me to waive the late charge but also failed to offer to waive interest accruing on the account. Also the interest rate is too high. My previous past employer XXXX XXXX has tapped into my personal debt to income ratio and was discussing to my employers to terminate me at the XXXX & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company called Synchrony Bank/ Rooms to Go furnishing information on my consumer report illegally pursuant to 15 USC 1681b ( 2 ) permissible purposes of consumer reports. 
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave this company consent to report information on my consumer report. 

They also failed to give me the disclosures to " opt out '' of having my account information furnished on my report which is out of compliance pursuant to 15 USC 6802b Obligations with respect to disclosures of personal information. 

It was unlawfully enforced.
Product: Mortgage

I am applying for a VA loan with Caliber Home Loans. I meet all qualification criteria and intend to occupy this home as my primary residence. However, my loan officer told me Caliber Home Loans does not believe I will occupy this as my residence and has rejected my application. They are discriminating against me and not taking my intent to occupy on face value because I am a property manager and own multiple homes. They believe I am lying and will buy this as in investment home. I do intend to move in, and I have told them that I am downsizing because my son is going to XXXX  and we need to move closer to the school our girl 's attend to reduce our commute time. My closing is on XX/XX/XXXX and I am in jeopardy of missing my closing date. Since they have delayed this process, if I go with another lender my interest rate will increase by more than 1 %. This is very stressful and I do not believe they are acting ethically. As a veteran, I served my country and now my integrity is being questioned and I can not get a loan simply for the fact that the underwriter does not believe I will be moving in the home. Please help me so I can move forward with closing on, thank you so much.
Product: Credit reporting or other personal consumer reports

Credence Resource Management is listed on my credit report as a collection agency that is trying to collect an alleged debt on behalf of XXXX XXXX XXXX. I contacted the original creditor, and they could not validate this debt that is reporting on my credit report. Furthermore, there was no correspondence sent to me informing me that I owed a debt and that it was being sold to a 3rd party company, so this information reporting is not credible and goes against permissible purposes. I never signed an agreement with Credence Resource Management. This company failed to provide an agreement with their company showing my signature, the forward flow agreement, a copy of my identification to verify that it is indeed my debt, or lastly a license to collect the alleged debt. I am demanding that this account is removed due to it being unverified by the original creditor. You are also furnishing different dates for the date last active which is a FCRA and FDCPA violation. I have attached an invoice for the violation upon your company. Payment is to be remitted to the address on the invoice. Both payment and deletion are requested within 30 days, or I will have no choice but to seek legal action against your company.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

XXXX XXXX misrepresented itself as the ticket seller for our local theatre company. They advertisied themselves as those that would guarantee " ACCURATE '' pricing, and their site claimed they would protect consumers by refunding any INACCURATE or excessive charges if the ticket price did not comply with this. I ordered two tickets and was charged a {$100.00} undisclosed service fee, and handling charges. I did not see this when the tickets were ordered. That was XX/XX/year> when there was no shortage of tickets, the first day announced XXXX was coming to our town from XXXX. Today, I tried to order a ticket from the theatre company directly and found tickets are only {$79.00} EACH but I was charged {$390.00} for two tickets!!!!!!!!! This is more than FOUR TIMES ( 400 % ) the ACTUAL ticket price!!! I had no idea they were NOT the theatre company nor that they were charging INFLATED pricing THIS LARGE. The theatre booth agent told me he could sell me three tickets in even better seats TODAY, seven months later and ten days before the show all in a row for {$70.00} each : {$210.00}. I paid {$390.00} plus another {$70.00} for my son who has to sit elsewhere for a total of {$460.00} when I could have paid {$210.00}!!!!!!!!!! XXXX XXXX purported that the " accurate '' price included all of their HIDDEN fees and EXTORTION.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear XXXX XXXXXXXX XXXX XXXX, I am writing to address the recent dispute regarding the late payment status on my XXXX XXXX Credit Card account. The reported XXXX late payment inaccurately reflects my payment history and has negative implications on my consumer file, which is concerning and violates fair reporting practices. 

I understand that unforeseen circumstances, including the loss of both my credit card and mobile phone at the XXXX XXXX, contributed to challenges in accessing my XXXX XXXX account and making timely payments. Despite these difficulties, I promptly communicated with XXXX XXXX and was still locked out. 

To resolve this issue and restore accuracy to my consumer file, I request the following actions : Correction of Credit Report : I urge XXXX XXXXXXXX to correct the misreported XXXX late payment status on my credit report to accurately reflect my payment history during the period in question. 

Waiver of Late Fees : Given the circumstances described, I request the waiver of any late fees associated with the reported late payment. 

Enhanced Security Measures : I encourage XXXX XXXX to enhance security protocols and customer support procedures to assist customers experiencing similar challenges. This includes improving account recovery processes and implementing robust security features to prevent unauthorized access. 

Notification of Resolution : Please provide written confirmation once the corrections to my credit report and any fee waivers have been processed. 

It is crucial to rectify these inaccuracies promptly to ensure fair and accurate reporting. I appreciate your attention to this matter and trust that XXXX XXXX will take the necessary steps to resolve this issue expediently. 

Please contact me at your earliest convenience to discuss further or if you require any additional information to facilitate the resolution process. 

Thank you for your prompt action in addressing this issue.
Product: Debt collection

Discovery Bank sued me for a credit card I did not apply for, XXXX I was under the age when this card was opened. I have no Knowledge of the said debt and would like it removed as its reporting to the CB as a public record and judgement affecting me
Product: Prepaid card

I am trying to open an American Express Serve prepaid account XXXX After applying successfully online, I was asked by email to provide additional identity verification documents, at which point I provided images of my US Passport and a recent XXXX credit card statement. I called in to American Express Serve to verify and was told these documents were received properly. I was instructed it would take 24 hours for review. 

A few hours later, I received two emails, spaced one minute apart ; the first notifying me my Serve account was " locked '', the second stating my account was " suspended '' per Member Agreement, section : XXXX D. 

I called XXXX and spoke to the XXXX team several times but was unable to obtain more information as to why my account could not be opened, or was " suspended '' just hours after my application was submitted. The representatives were unprofessional and terse, just instructing me to refer to the email, which ( attached ) is very sparse in details. 

Trying to understand why this newly applied-for account was suspended was even more challenging as it was difficult to communicate with any of the XXXX representatives. All XXXX were based in the XXXX and spoke with heavily XXXX XXXX, forcing me to ask several times for them to repeat themselves, as well as for me to have to repeat myself while speaking slowly. Finally, upon asking for a supervisor, I was first placed on hold for 58 minutes before my phone was devoid of power and the line disconnected. The second time I called and requested a supervisor, I was told s/he was preoccupied and would return my call at a later time, only for me to not receive any calls back. 

Although the representatives were unable to explain the suspension, in reading through section XXXX D of the Member Agreement, there is mention of potential fraudulent or inappropriate activity. Having only applied for the account hours ago and not receiving any card or account number, I have n't had the opportunity to even make use of the XXXX account, much less engage in any activity violating the Member Agreement. 

I 'm not sure what is more bewildering, the decision to suspend my account before I could open or use it, or the ineptness of the customer service agents in not being able to assist me. 

I am simply looking to open an American Express Serve account for XXXX shopping.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Product: Credit reporting or other personal consumer reports

These Inquiries take a long time and it affects me, it brings me a lot of problems to have this information in my report 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 card or prepaid card

I have kept calling numerous times to replace my credit card because it never arrived since opening an account with you, for mattress firm. I have dealt with nothing but incompetent staff and rude customer service every single f** time and today I finally lost it when your rep yelled, interrupted, and berated me for repeating to her MY ENTIRE ADDRESS once more, stating I saaaaaaaid the unit numberrrrrrr, not the whole address!!! whaaaaaaaaat is your uniiiiiiiiiit numberrrrrrr. Prior to this, she had confirmed it to me incorrectly and didnt even get the correct street number, let alone, the unit number so I KINDLY let her know that I would just be giving her my entire address ONCE MORE and she decides to XXXX   interrupt me and act like shes Gods  greatest gift and is doing ME a favor. I have had it with your customer support. I wish I could fix all these issues myself, online, but unfortunately my card never even arrived for me to even activate or view my online account and billing statements. Because of this, I have been missing paper statements as well and this is all getting reported to the credit bureaus through NO fault of my own. I have called at least four times, since opening this account to update my address since I did move ( & made you all aware ). I even called once last month and the rep stated that she would be moving my billing cycle/deadline to the following month and sending me out a replacement card, to an address that I confirmed THREE times. I asked her if I could make an early payment, in that case ( for the following billing cycle ) just to be on the safe and she took a {$100.00} payment. My card never arrived and I called two weeks ago, again, only to be told that it is still on the way ( rep didnt verify address or provide me with my billing statement information or anything ). To make matters worse, I am now finding out that this bill was due about a week ago, which I thought was what the {$100.00} were for. I now have no way to pay this besides dealing with these rude ppl and I now have late payments reflecting on my credit report. To make matters worse, my personal information is out there being compromised to random people. During this last call the rep literally said ohh that not what we have at all. 

This isnt charity work. I am giving you my hard earned money in interest and entrusting you, as a financial institution, with my personal information, only for it to be dealt with by XXXX. Please fix this. Please fix your staff.
Product: Mortgage

Dear sirs, I am following up to my case # XXXX, please refer to those documents. The only update and help I need relates to the letter sent by Regions Bank as a response to the CFPB and myself. On that letter which is included in the case file, is dated XXXX/XXXX/14, in which they apologize for the error and would be requesting all credit agencies to remove the charge off entry and replace with paid off, when I refinanced my home loan. Unfortunately, upon recent updated af another bank loan, my credit report still had the entry as charge off, not paid off as they reported to have done, copy included. I tried calling Regions again today with little help on the topic. I would like your assistance with resolving this issue and would like to know what ramifications Regions bank will have for not fixing this problem, which continues to lower my credit score.
Product: Money transfer, virtual currency, or money service

I was invited by a girl I met on the XXXX app to join a dating event in XXXX. I added her on XXXX app and encouraged me to join the event. 

I have to pay for a membership fee of XXXX in order to do so. Eventually I did via Western Union money transfer to the XXXX on XX/XX/2018. But after making the membership payment, the so-called admin contacted me and offered me to select a few choices of packages in order to finalize and complete my membership. 

Again, I agreed and hesitantly paid a total of XXXX to the same recipient via Western Union money transfer. I was really having some tough time believing them, to the point that I made my first payment in half - XXXX on XX/XX/2018. Another payment of XXXX on XX/XX/2018. And, made the final payment of XXXX on XX/XX/2018. I have attached all these receipts on this site as well. 

However, after that, they refused to give me any invitation to join an event by making a lot of excuses, and telling me that the girl who is supposed to be my partner is no longer available. I already escalated this issue to the Western Union, and currently investigating, and see if I am eligible for a refund. I am more than willing to help in order to investigate this further so these alleged scammers will no longer harm other people. 

Please take note of the following email addresses they are currently using : XXXX XXXX XXXX ( This person is also on XXXX, and XXXX using the name " XXXX XXXX ''. And " XXXX XXXX '' on XXXX - XXXX XXXX   XXXX ) In addition to this, this alleged fraud unit, is also using XXXX XXXX as the recipient of the Western Union money transfer.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple XXXX  XXXX regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX