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

Please assist with fixing my credit report, see below response from a creditor, they advised that they are unable to pull my TransUnion credit report due to the file being too long, they advised that TransUnion can consolidate and correct. Please see below response from the creditor. 
Hello, It appears that we are unable to pull your credit with Transunion due to your credit file being too long. If you can please get in contact with Transunion so they can consolidate and correct or give us permission to pull credit with XXXX. 

Thank you, XXXX XXXX Loan Consultant XXXX # XXXX Email : XXXX XXXX p : XXXX ext XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX I recieved a new credit report. My credit report shows a reply froma dispute that I made about inquiries that I did not apply for nor do I have account with theses companies. I have attached my most recent credit report as proof that the inquiries are still on my credit report. Equifax respond to my compliant on XX/XX/2022. The compliant number is XXXX. Equifax states this : A summary of the results are listed below : NON REPORTING DISPUTES Trade : XXXX XXXX  XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. All of these inquires are still on my credit report. Please check the pictures attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer. 
I am currently being harassed by multiple debt collectors. Most of these debt collectors have sent me statements to collect a debt on a POSITIVE balance, if anything I should be the one getting paid.Based on the FDCPA 15 USC 1692 them sending me statements makes them a debt collector .Since they are NOT the original collector this makes them a Third-party debt collector .As a consumer I have the rights to know how much was this sold for or the commission it was assigned. ALL of this so far are violations to the LAW. I have asked for validation and a signed contract between me and the third party debt collectors, which they have not sent me only statements and statements does not mean contract by any means.With this being said that is under violation as well and considered fraud because they unknowingly put me under contract and tarnished my credit report and reputation .Which is another violation. Under the FCRA 15 USC 1681 THESE debt collectors ruined my " reputation " with a bad debt and furnished it to my credit report. The debt also states " failure to pay this debt will result in us furnishing this debt to ANY or ALL consumer reporting agencies. '' This is considered a threat. The word debt is in fact obscene and profane. Last but not least as mentioned before the papers sent to me are all in a positive balance if I OWED anything to these unknown people the balance will be negative because it is impossible to pay a positive off, therefore this means its been paid with my social this entire time .Is there a way of reimbursement? 



The companies im talking about are : XXXX XXXXLVNV Amount : XXXX Date : XXXX XXXX XXXX amount : XXXX Date XXXX XXXX XXXX XXXX amount XXXX date XXXX XXXX XXXXXXXX XXXX XXXX amount - {$1000.00} dateXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This isn't my account. I was never the owner of this account. This account is not mine. This is unacceptable and offensive to me! This account is not mine.
Product: Checking or savings account

I am trying to add funds to my account from my external account, the SAME WAY I have hundreds of time before, only today I get : Transfer unsuccessful, Access blocked for security reasons. Tried XXXX different computers, and XXXX different browsers. As usual, chat support is useless. When I call, they transfer me to an outsourced idiots who I can not understand through their thick accent because that's the kind of PATHETIC customer service this disgusting bank provides it's customers
Product: Consumer Loan

I defaulted on a car loan in XXXX. The car was repossessed in XXXX. On XXXX/XXXX/XXXX, I was informed by my HR dept that I have a wage garnishment from the agency of Peroutka, miller, klima and peters, XXXX md XXXX. I have never received any prior notice this action was going to take place. I never received any notification that court action was going to occur. This matter is over XXXX years old. I believe the statute of limitations should apply. I would like to file a complaint against this company and try to stop the garnishment. The lender for the original loan is XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with 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 name : XXXX XXXX XXXX Account number : XXXX, Date opened XXXX XXXX, XXXX. 
XXXX name XXXX XXXXXXXX XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX. 
XXXX name : XXXX XXXX XXXX XXXXXXXX, Account XXXX, Date opened : XX/XX/XXXX. 
XXXX name : XXXX XXXX XXXX Account number : XXXX, Date opened : XXXX XXXX, XXXX. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX Inquired on XXXX XXXX, XXXX. 
XXXX Inquired XXXX XX/XX/XXXX. 
XXXX Inquired XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX. 

The accounts above have violated my rights. 

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

15 U.S.C 1681 section 604A 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 fallowing items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

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

Inquiries XXXX  company report 1 ] XXXX XXXX  XX/XX/XXXX 2 ] XXXX XXXX  XX/XX/XXXX 3 ] XXXXXX/XX/XXXX 4 ] XXXX XXXX XX/XX/XXXX5 ] XXXX XXXXXX/XX/XXXX 6 ] XXXX XXXX XX/XX/XXXX 7 ] XXXX XXXX XX/XX/XXXX 8 ] XXXX XXXX XXXXXX/XX/XXXX9 ] XXXX XXXX  XX/XX/XXXX 9 ] XXXX   XX/XX/XXXX 10 ] XXXX XXXX XXXX XX/XX/XXXX 11 ] XXXX XXXX XX/XX/XXXX 12 ] XXXX XXXX XX/XX/XXXX 13 ] XXXX XXXX  XX/XX/XXXXAlready I spook to customer service and send them letter to request remove this inquiries from my credit because never apply any about those companies and I am victim the inquiries issue
Product: Mortgage

I, XXXX XXXX, was in the process of being approved for a short sale with my servicer XXXX XXXX XXXX , XXXX ( XXXX ). 

I was aware that I may have some negotiable contractual issues with the current interested buyer ; however, I was unaware that the Short Sale was denied and or closed. As, my servicer ( XXXX ) did not send any written notice via mail or electronic notices through their on-line portal which is directed to my email. Wherefore, I was unaware that the Short Sale was denied and/or closed. 

On or around XX/XX/2019 I began to receive postcards stating that my home was in foreclosure and would be sold at public auction on XX/XX/2019. 

To date, ( XX/XX/2019 ) I have not received proper notice from the servicer ( XXXX ) stating that my short sale was denied and that my loans was directed to the default department. Nor have I received any written communication to date from the advertising law firm ( Aldridge and Pite, LLP ). 

From my basic understanding of Georgia Foreclosure Laws, Aldridge and Pite, LLP are violating state ( Georgia ) and federal laws ;  including but not limited to the Fair Debt Collection Practices Act. 

Aldridge and Pite, LLP has failed to give notice that they are in fact the debt collector assigned to my mortgage. Aldridge and Pite, LLP has failed to give me notice of the current holder and owner of my mortgage and the amount of debt they are collecting nor was I given the proper time frames per law to question the validity of the debt they are collecting. 

I have checked the Georgia State Public Notices website and it appears that Aldrdige and Pite began to advertise the sale on or around XX/XX/2019. Per state law in order for a sale to be valid it must run 4 full weeks/30 consecutive before the sale date. 

To date, I am not sure if XXXX has denied my Short Sale request and sent my loan to Aldridge and Pite, LLP or if Aldridge and Pite, LLP are working without the direct consent of SPS.

I have sent proper notice to Aldrige and Pite, LLP however, to the best of my knowledge they are still advertising the sale and have not removed my home from the XX/XX/2019 sale date foreclosure list. 

Which is why I am composing this complaint because XXXX as well as Aldridge and Pite, LLP have violated several state, federal and consumer protections laws. 

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

Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY/XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX   XXXX {$0.00}
Product: Debt collection

I am receiving debt collection notices from NPAS Solutions LLC. 
There is a number XXXX to call. But when I call this number they say this is not correct number. 

The debt is about a Medical Bill from XXXX XXXX XXXX XXXX for {XXXX} ( service date XX/XX/2020 ). Which they say I need to pay. Although this bill should have to gone to my insurance company. They did not sent it to insurance company even though I provided them with my insurance information. Now they say then can not send it to the insurance company because it is very old. 


Thanks, XXXX
Product: Credit card or prepaid card

I believe the benefits for this card were poorly represented on the company 's website. In the post-login experience, it seems like I am eligible for the benefit of a XXXX XXXX ; but then when I try to use it, I am not able to. The message that is displayed as to why not is simply : " We're unable to load this page at this time. Please try again later. '' That message makes it seems like the problem is just a technical issue with the website, but when I called customer service, the agent explained that actually I was not eligible for the benefit. That American Express had decided, based on factors that they would not tell me, that I was not eligible at this time. 

I understand that this is not a guaranteed benefit of my card -- however, I think that American Express should not display this benefit to me on my post-login in benefits page if I am not eligible for it. Or, at the very least, they should make clear in the language describing the benefit that more than simply " enrollment '' is required -- you must actually request and be approved, not just enroll. Because the benefit is listed on the post-login page, where it is on my specific benefits page for me and my card, as opposed to the general benefits page for the card for all customers, I believe that these benefits are tailored to me and all available to me. So it feels like false advertising to have a benefit listed and then be told not, actually, you don't have that. 

I am attaching screenshots of the benefits description and the error message that I got from my account.
Product: Mortgage

MR COOPER AND XXXX XXXX XXXX XXXX XXXX ARE ATTEMPTING TO FORECLOSE ON MY PROPERTY WITH FRAUDULENT ROBO SIGNED ASSIGNMENTS. THE ASSIGNMENT WERE CREATED AFTER THE CUT OFF DATE OF THE TRUST THAT WAS FILED WITH UNITED STATES SECURITIES EXCHANGED THEY HAVE NOT NOT RESPONDING TO MY QWR THAT I SENT XXXX. NOR HAVE THEY ACKNOWLEDGED MY DEBT VALIDATION AND NOTICE OF ERROR. I HAVE ALSO REQUESTED A COPY OF ORGINAL NOTE AND THEY WILL NOT SEND A COPY, AND I HAVE ASKED FOR THE GAP ACCOUNTING
Product: Credit reporting or other personal consumer reports

I sold my car few months ago to a dealership and they sent the check for payoff to XXXX, but the bank didnt process the check on time and marked it as late payment and few days after closed the loan
Product: Credit reporting or other personal consumer reports

I noticed that all three reporting credit bureaus are not reporting accurate information. I believe that I could potentially be a victim of identity theft because there are many inquiries being reported that I have no knowledge of. There are also accounts I have removed from one bureau but others are still reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is running a background check for employment. The report shows i lived in Oklahoma and in Arizona. I have never lived in any of these places.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

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

I was shocked when I reviewed my credit report and found late payment on XX/XX/ I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that Experian is reporting erroneous personal information on my report. They have been blocking me from receiving a report since XX/XX/2022. I attached my identification and proof of residency. Any other address I have not lived at. so they must remove immediately. They would not remove addresses when I explained to them those other addresses are incorrect.
Product: Debt collection

I received a letter on XX/XX/2024 stating that I owe {$650.00} to Transworld Systems Inc. A company I have never had a contract with nor have I given this company any of my personal information. According to the FCRA this is unauthorized use of my information. This violation is fineable up to {$1000.00}.
Product: Credit card or prepaid card

XX/XX/2022 : Called the XXXX number on the Verizon Credit Card asking why my Verizon XXXX amount said {$56.00} yet on the Verizon site I had only {$31.00} for redemption. Synchrony would not explain the approx {$25.00} shortage and kept transferring me to Verizon. Verizon said they only had the information on the {$31.00}. XXXX said they had no visibility into the award amount on my Synchrony Verizon bill. Synchrony did not transfer the full amount of my Verizon XXXX  dollars to Verizon, shorting me of approx. {$25.00}. This is fraud. Synchrony did not meet the terms and conditions of the rewards program.
Product: Checking or savings account

I have been multiple over draft fees of {$35.00}. For a day XXXX times. It happened often between XXXX. I should have overdraft protection. The mistake was the bank forget to link saving to checking. Besides that my credit score ruined by putting me to debt collection. For years and years now when they should be solving a problem first.
Product: Debt collection

I received a collections notice from Assured Collections on what they claim is an unpaid bill from XXXX XXXX XXXX. I spoke with XXXX at Assured who told me a XXXX XXXX XXXX in XXXX, CA ordered these supplies. I've never been to XXXX XXXX. I did have a XXXX with XXXX XXXX in XXXX XXXX, CA. As instructed by XXXX, I wrote to Assured that I had no idea what that was for - I never received anything from XXXX XXXX XXXX and this must be a mistake. XXXX ( XXXX ) XXXX responded with more copies of their collection notices and a request order written by my doctor for authorization prior to a XXXX I had XXXX XXXX. I called my insurance company and they said that the claim had been denied. The XXXX I ended up having was not what was originally planned ( far less invasive ) and I walked out of the XXXX center the same day. At no time did I ever receive ANYTHING from XXXX XXXX Supplies ( nor any bills for anything. ) I thought they must have mixed me up with the other XXXX XXXX 's order. I looked up XXXX Medical Supplies on the Internet and I see they have the SAME BUSINESS ADDRESS as Assured Financial, LLC. Now Assured XXXX nor XXXX is returning any of my calls and once just put me on hold for over XXXX minutes and instead send me TEXT messages to pay this bill. I never gave them permission to send me TEXT messages and these messages do not contain any opt-out option which I also believe is illegal. They threaten a negative credit report and legal action. How am I " legally liable for the amount shown '' when I have never received anything from them? I'm certain they would not be able to prove I ever received anything from them - because I NEVER RECEIVED ANYTHING FROM THEM. They are seeking a total of {$620.00}. It is no wonder I see they have an F Rating with the XXXX and many similar complaints. I sincerely hope you can help with this.
Product: Credit card or prepaid card

For years I had a Capital One Platinum credit card mileage account on which I always paid the balance due in full every billing cycle throughout the years I had the account. 

Subsequently, as I always did, I sent a month 's full payment on the full balance due. 

Capital One subsequently charged me a late fee and an interest charge claiming the payment was received XXXX day late. 

I contacted their customer service, and was told that my account would be credited the late fee and the interest charge. 

The late fee was subsequently credited to my account, but despite multiple assurances from Capital One 's customer service representatives to me that the interest charges would be credited to me in a future billing cycle, the interest charges continued to show up on my statements, while also generating further interest charges. 

Throughout this time, as I had always previously done, I continued to timely pay my balance due for goods and services in full each and every billing cycle, and as instructed by Capital One 's customer service I did not pay the interest charges that continued to show up on my account. 

After months of being told by Capital One 's customer service that the interest charges would be credited to me and resolved in a future billing cycle, Capital One 's same customer service subsequently said they could not now credit me the original one day interest charge, or the subsequent interest charges that had accrued on that one day interest charge in the intervening months. 

During that same call to Capital One 's XXXX XXXX XXXX customer service I was told that unless I agreed during that call to pay the entire amount of interest charges, my account would be canceled during that same call. 

Despite the fact that at that time I had earned nearly XXXX XXXX frequent flyer miles on my account, I flatly refused to comply with the threat made by Capital One 's supervisor during the afore-referenced call, and she summarily canceled my account. 

Her rash action was in complete contradiction to what Capital Ones customer service representatives had previously represented to me and which I had depended upon. 

Her rash action unjustifiably and unlawfully deprived me of my accumulated frequent flyer miles Her rash action was uncalled for, and grossly punitive. 

For further details, please see my XXXX XXXX, XXXX correspondence sent to XXXX XXXX of Capital One, which is enclosed with this complaint as a document attachment.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$1500.00} XXXX XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$7000.00} XXXX, XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$1400.00} XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$510.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX 2022
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 XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXXXXXX Balance : {$19000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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. 

1.Account Name 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 Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.