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

7 hard inquiries on my credit report These have caused me to be declined for other opportunities XX/XX/XXXX - Suntrust Bank dba XXXX - inquire without permission - unknown XXXX XXXX/XXXX/XXXX - inquire without permission XXXX XXXXXX/XX/XXXX & XX/XX/XXXX ran twice instead of once XXXX & XX/XX/XXXX XXXX XXXX XXXX- 3 hard inquiries ( 2 are almost 2 years old ) XX/XX/XXXX XXXX XXXXr XX/XX/XXXX XXXX XXXX
Product: Debt collection

I received an attempt to collect a " debt '' in the mail from Enhanced Recovery Company , LLC ( ERC ). The letter stated " Dear CURRENT RESIDENT : Your recently disconnected XXXX XXXX XXXX account has been forwarded to us to assist you in the resolution of your balance due. Enclosed is a summary of your remaining charges. Please contact us today at the number provided below to pay your balance by phone. Thank you. '' I spoke with a representative at XXXX XXXX XXXX and they informed me that I currently have a XXXX balance and no outstanding balance from my account has been sent to collections. The representative forwarded the issue to XXXX XXXX XXXX 's fraud department. 

I then called ERC and the representative was unable to give me the specifics of the debt and they did not know my name, the representative knew me only as the " Current Resident ''.
Product: Credit reporting or other personal consumer reports

Multiple disputes have been filed with 3 major credit bureaus and calls made to Navient to correct this matter. 

Navient as a company is now closed. All reporting is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was denied for a mortgage loan to do a " Charge off '' account being listed on my credit report. According to the credit report this account was open in XXXX and status was updated in XX/XX/XXXX in the amount of {$44000.00}. The balance according to the report was updated in XX/XX/XXXX. I have called the mortgage company listed on the report and they have no record of me ( address, phone number, account number, SSN ). They told me there is nothing they can do about it. XXXX has closed my case as well. They said if I can present them with an account number they can help me. However I only have the partial account number listed on the report. I have no further information.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX received a debt collection on my credit report from the collections agency for {$380.00}. 
The name on this report do not match my legal information and I do not own this debt. 

Please provide the following information to me : How did the credit bureaus verified this information against my legal information before adding it to my credit reports? 

How did the debt collector verify this information against my legal information? 

Show proof that matches my legal information to show that I own this debt In the name of " XXXX XXXX '' Regards XXXX 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 15 USC 1681. 

Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : 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 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my multiplt request ... .I 'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

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 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 XXXX XXXX
Product: Student loan

applied for XXXX  XXXX XXXX- {$2300.00} Date of loan-XX/XX/XXXX XXXX XXXX XXXX- {$3800.00} Date of loan-0XX/XX/2013 XXXX XXXX XXXX- {$1400.00} Dat of laon-XX/XX/2013 XXXX STAFFORD SUBSIDIZED- {$2700.00} Date of loan-XX/XX/2013 After withdrawing from classes because of my mental impairments ( im XXXX ) navient placed all my loans into a grace period ( XX/XX/XXXX ). Following the grace period my loans were placed into forbearance three times and into repayment four times ( not income driven repayment plan ) until finally I was told about the income driven repayment plan, unfortunately however this is where things turned bad. I wasn't told about the re-sign up date once a year and subsequently my credit score and my life suffered. I called navient to let them know I was XXXX again and submit documents for proof which failed due to customers service bad information. I called again to let them know I was XXXX but was told nothing about XXXX discharge until I asked during my third phone call. 
I'm mentally XXXX and have been this way since i was a child. Im XXXX XXXX XXXX and because of navient i have a 90-120 day late payment on my credit score and unable to get an apartment credit cards or vehicle financing not to mention the sever XXXX on top of my XXXX
Product: Credit reporting or other personal consumer reports

I was notified by my credit report monitoring service that several hard credit checks occurred using my information that I did not initiate. An unknown individual applied for a credit card using my information from Capital One and XXXX  XXXX XXXX. Both banks have been notified of the fraudulent activity and the applications will be terminated.
Product: Credit reporting

I had an account with XXXX and I was paying regularly, I sold the whole building which consists of XXXX units, I found a collection under credit protection association LP on my XXXX report that I owe them {$290.00} unpaid, I did pay even its not mine and they said they will delete it because its not mine and no sufficient info about this account, however it 's not deleted as requested and it 's not mine, I had XXXX bill on basement and their collection does n't include any Unit number and they have phone that does n't belongs to me and wrong amount, however I had original bill and shows payments for the specific unit and account number different what is in collection.
Product: Money transfer, virtual currency, or money service

American Express Serve I inputted my American Express Serve direct deposit into my unemployment benefits from and I received my benefits on XX/XX/2020 and XX/XX/2020 to my American Express Serve account, but I was immediately locked out of my account when I received the second deposit from Tennessee government without any warning or message of termination. I called American Express Serve customer service, but I was not given a reasonable solution and I was told that the funds in my account will be sent back to the sender. Why on earth will my unemployment benefits be sent back to the government. This is outrageous and I'm ready to drag it to court if my money is not released in peace. Even if a benefit direct deposit violates the company 's policy, it doesn't mean my funds have to go with it. It is mine and I have all right to it, please I really need my money back, either it is mailed as a check to my address or I should provide an account where it will be sent as a direct deposit for me to have access to my account. 
The affected American Express Serve account ID : XXXX 1st Transaction Details : From XXXX  DUA PAYMENTS-XXXX PMT Amount {$120.00} Date available XX/XX/2020 Transaction ID XXXX 2nd Transaction Details : From XXXX XXXX PAYMENTS-XXXX PMT Amount {$900.00} Date available XX/XX/2020 Transaction ID XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I canceled all automated payments and received confirmation of the cancellation via email. 

On XX/XX/XXXX I was once again charged on a billing cycle I did not authorize when the bill was not due until mid XX/XX/XXXX. 

The unauthorized payment was not fulfilled by the bank and now XXXX is charging returned payment fees on a payment that was never authorized.
Product: Credit card or prepaid card

I have a rewards balance of XXXX that I want to credit myaccount balance. They wont let me redeem at all. No online access so i called on 5 different occasions with the last being Mon. XXXX XXXX, 2020 and when I try to redeem it always says unavailable. Their branches are not open by appt. only. i have over 5 types of accounts which i am thinking of moving everyone.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is PHOENIX FINANCIAL SERVICES ( XXXX XXXX XXXX XXXX XXXX ) I would like to see proof of claim in writing ... under such section 623,  subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PHOENIX FINANCIAL SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That  demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge.  Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.PHOENIX FINANCIAL SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PHOENIX FINANCIAL SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PHOENIX FINANCIAL SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit card

This is against XXXX XXXX. After months of making regularly scheduled payments and then paying the account in full, XXXX XXXX and/or Synchrony Bank XXXX XXXX credit line to {$100.00}, in effect closing the account, even though the account is in good standing. These actions serve to negatively affect my credit scores with all XXXX credit reporting bureaus. These entities should not be able to arbitrarily take such action with the end effect of wreaking havoc on my credit scores. They have taken similar actions against accounts in my mother and father 's names, all of which come out of the same budget and household income, separate complaints for which are being filed simultaneously herewith.
Product: Consumer Loan

I just recently got a new job and the loan company is calling me at work. I ca n't have personal calls on my work phone, and all calls are recorded due to the nature of my job. The company is jeopardizing my employment.
Product: Credit card

Capital One offered a complimentary XXXX XXXX membership for six months. After enrolling, the cardholder received a monthly statement credit for the monthly cost of the membership. 

I was enrolled for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  months, I was charged {$9.00} and received the statement credit within 4-5 days. However, for XXXX I did not receive any credit. Capital One has no online or chat contact option so I called customer service. After 45 minutes and being transferred to five different people I was told I must contact XXXX regarding missing statement credit. I attempted to contact XXXX through the app and the website and received more than a dozen responses that were either non-intelligible or non-responsive. It was clear that the customer service agents were not reading my complaints as they were asking for details that had already been supplied, Frustratingly they insisted that only Capital One could issue the statement credit even though the terms of the promotional offer clearly state that the all credits were issued by XXXX. Even after I provided the original offer that stated this, XXXX 's only response was to contact Capital One and they stopped responding to further complaints. After I received two statements and the credit for XXXX and XXXX, but still had not been issued the credit for XXXX, I contacted Capital One by phone again I encountered a completely useless phone agent who did not speak fluent XXXX and had no solution except to tell me to contact XXXX for the credit even after I had already explained that XXXX had redirected me back to Capital One. I insisted on being transferred to a supervisor or someone who could resolve this issue. Finally after another XXXX minutes, the supervisor agreed to issue the {$9.00} credit.more than six weeks after it was due. 

It really should not have taken two hours of my time on the phone over six weeks plus countless time wasted exchanging messages with XXXX to receive a credit for a promotional offer that was supposed to be a perk Capital One offered to its customers. Capital One should reconsider who it partners with and the level of customer service those partners provide ( which in this case was terrible ). Additionally Capital One should empower its phone agents to actually provide customer service : I had done more than {$10.00} of business with Capital One in the previous nine months prior to this incident, yet the agents could not issue a {$9.00} credit to which they had already confirmed I was entitled to?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Trans Union, XXXX XXXX & XXXX each with separate letters describing all the information that is incorrect on each of my 3 individual credit reports. 

I sent the first set of letters over 70 days ago, to each of the bureaus, with no response. 

I sent a second set of letters over 31 days ago, again with no response. 

Showing in detail the Inquiries that are fraudulent, the accounts that do n't belong to me and addresses, phone # 's, and Names that are not mine. 

I also sent copies of my SS # My XXXX state ID, and a current household bill showing my Address. 

Despite each of the Credit reporting agencies placing a " Fraud Alert '' on my account, without me asking. They have not removed all the incorrect information, and they have not provided and signatures showing I have an account or a contract with the Companies in question. 

I feel this is a serious abuse of my legal rights and I am hoping to find some resolve with this complaint here and now. The following are all the misreported information on my 3 Credit Reports. 

The following are miss-reported and or 100 % inaccurate Inquires Alleged by 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 The following are miss-reported and or 100 % inaccurate Inquires Alleged by 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 The following are miss-reported and or 100 % inaccurate Inquires Alleged by TRANSUNION ; XXXX XXXX/XXXX/XXXX XXXX XXXX via 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 The following are miss-reported and or 100 % inaccurate Names Alleged by TRANSUNION ; XXXX XXXX XXXX The following are miss-reported and or 100 % inaccurate Phone # s Alleged by TRANSUNION ; ( XXXX ) XXXX, ( XXXX ) XXXX The following are miss-reported and or 100 % inaccurate Addresses Alleged by TRANSUNION ; XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX The following are miss-reported and or 100 % inaccurate Accounts Alleged by TRANSUNION ; XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX The following are miss-reported and or 100 % inaccurate Court Records Alleged by TransUnion ; XXXX XXXX court-XXXX  Bankruptcy XXXX/XXXX/XXXX The following are miss-reported and or 100 % inaccurate Court Records Alleged by XXXX XXXX XXXX XXXX court-XXXX  Bankruptcy XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$55.00} ; XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXX  XXXX Balance : {$30.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have a loan with US Bank and refinanced and closed on XXXX/XXXX/XXXX. The appraisal for the XX/XX/XXXX refinance was {$380000.00}. I was told I would have to wait until my loan was 5 years old before having the PMI removed. On XXXX/XXXX/XXXX, just before my 5 year anniversary date I contacted US Bank to have the PMI removed. My home value on XX/XX/XXXX per the current market was over {$500000.00} and my loan balance was {$310000.00}. The first representative indicated that I could arrange through US Bank to get an " abbreviated '' appraisal for {$150.00} such that my new LTV was based on current market. She gave me a fax number and email to submit my request to. Upon submitting my request I received a canned text letter back stating the LTV must be XXXX % of original loan value and that HUD does not take into consideration current market value of property. That it 's based solely on the information from closing ( which would be the XX/XX/XXXX old appraisal amount of $ XXXX ). I let the issue go then recently logged into my account and noted that I am now well below the LTV they previously indicated I needed to be to have the PMI removed. Do you think they went ahead and proactively removed it!? NO, of course not. I placed another call and the representative I spoke with again mentioned and questioned why I had n't paid the {$150.00} for an updated appraisal. He said he would contact the PMI department, have them send me a packet in the mail and that I should review the packet and see if I can find anything related to the appraisal option. So I waited for the packet to arrive ... Instead of a " packet '' arriving what I did receive was a XXXX page letter indicating that I 'd met the HUD requirements for terminating the monthly MIP and that they 'd notify HUD and update my monthly payment amount. I would like to be reimbursed for all months they charged me MIP from XXXX/XXXX/XXXX to todays date. It was I that proactively reached out to them several times requesting for it to be removed yet they A. ) did n't give me the appraisal option such that the value was based on current market - as they apparently have for other customers and B. ) continued to charge me the last few months for MIP when I was already at the level they outlined in their letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In recent months, I discovered several inaccuracies and unauthorized inquiries on my credit report, which have negatively impacted my credit score and overall financial standing. Despite my attempts to resolve these issues, the inaccuracies persist. Below is a detailed description of the incidents : Personal Information Discrepancies : I noticed multiple errors in the personal information section of my credit report, including incorrect names, Social Security numbers, phone numbers, and addresses. This has led to a major delay in home purchasing and I am a US XXXX veteran that is being taken advantage of by the inaccuracies of the credit bureaus and refusing to remove the info. 

While I was away I had my information compromised and this has led to a vicious cycle of public embarrassment, financial dependence and poor living.