23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I had disputed some stuff on my background. Check through advantage background and I wonder dispute and they changed the information so I wouldn't be rejected from jobs. Will I apply for another job in the situation that I had disputed? It show back up on my background. Check through the advantage background check caused me to lose opportunity to be hired at a job. Then when I called XXXX and equal facts and gave them my information, it says that I have a student loan now mortgage loan now and I have some type of credit cards that I've never had a student loan. I've never had a mortgage loan, and I've never took any loans out there with any bank or credit cards. And they have my address wrong and my telephone wrong which I have updated that I think I've sent a letter in about that. And they still haven't updated my information on experience equal facts and XXXX. And there's information on those critic. That credit account showing that I have a car. I mean, not a car loan now. But mortgage is still loan in my name. Up under my social security number. And they won't answer the phone they hang up on me
Product: Prepaid card

Received egift card from work for {$300.00}. Has never worked at any retailer online or in person. I have spent hours trying. Have tried contacting American Express and after waiting for a half an hour they said I just need to keep trying. I have tried at XXXX, XXXX, XXXX online, and even in person stores and every time it is canceled. I don't have time to continue trying and failing. Company offered no help and now I can not get anyone on the line. American Express is very disappointing. I think they might be trying to get people to give up and hoping that they forget about their balances on gift cards. I don't want to do business with them anymore, nor would I consider ever getting their credit cards when there are better options.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my credit reports that is incorrect? There is a Home equitiy loan, opened in XX/XX/2021, Mortgage loan, Auto loan, banking cards, Retail cards, Pet insurance.Phones, everything
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. 

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..
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Stand a background check And I don't agree on it because A person could do good and then it's like go back in the past and they just want to down you but it made me not be able to do a lot of jobs that I wanted to do so I want to complain about it because I don't think that's fair and anybody else that ever did background check on me they never went that far like that was my prison in life like that's behind me so Please my name is XXXX XXXX you could please contact me at XXXX XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are  Credit repor ting agencies reporting inaccuracies on my credit report. After I disputed the information asking for more information, it was n't provided to me. An address that I never resided at is on my credit report. Suggesting that along with the unknown address there are numerous accounts on my credit report that were not opened by me. I 've asked all the credit bureaus to look into to the disputed information and correct all the inaccuracies, but nothing has been done. This information is hurting my  credit score a nd credit report, and is holding me back from doing things that I need to do.
Product: Student loan

XX/XX/XXXX XXXX XXXX XXXX XXXX Re : Public Loan Forgiveness Application Hello, My name is XXXX XXXX, and Im trying to get some assistance with my Public Service Loan Forgiveness results. My first application was submitted on XX/XX/XXXX and finally on XX/XX/XXXX, I received a letter from XXXX stating I only had 100 qualifying payments. Reviewing my payment history, I noticed my payments only went back to XX/XX/XXXX. I reached out to XXXX, and all they could only see payments from XX/XX/XXXX moving forward, and they advised me to submit a new application. I submitted my payment record to XXXX, and nothing was ever done about it. I am now showing 108 qualifying payments but that is only from recent months that were approved and nothing from XXXX has yet to be approved. Ive also submitted a complaint to studentaid.gov with documentation of my payment history, and nothing was investigated ; they just came back with a general response. Ive called the Ombudsman FSA group at XXXX, and it just directs me back to my loan servicer. No one at the Ombudsman FSA group has ever answered. I have attached all of my communication from XXXX and studentaid.gov, along with my payment history from XXXX and whats listed on studentaid.gov. Let me know if anything else is required. I would appreciate any help you can provide.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error. 

To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized inquiries again : Disputed Inquiry : 1.- XXXX XXXX Inquired on XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I filed a dispute with these 3 bureau dispute department about the unverified accounts : XXXX XXXX account # XXXX. In those 3 Months I have asked numerous times for a response and I have not received anything in response from thses bureau in over 45 days because this account is still in dispute. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified  account as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

For many years I have attempted to dispute this fraudulent account and I have been declined and deprived of it being taken off my credit I have no knowledge of this account I have never had any access to the account and I have asked for it to be removed off my credit I have lost all opportunities to gain credit lines and or incentives that comes along with a positive credit line I am struggling and experiencing severe financial hardship due to this being on my credit I am formally she can count and ask him dropped is be removed I am not the owner of the account I have no knowledge
Product: Debt collection

I contacted Enhanced Recovery Service on XX/XX/22 and asked for a settlement amount and the representative told me they would settle for {$590.00}. I paid the amount quoted to me by the ERC representative. One week later I requested a payoff letter, instead of sending me a payoff letter showing that I have paid the debt in full or satisfied the debt I received a vague correspondence stating that I still owe them {$190.00}. The correspondence letter also reads as if the company has not received the payment of {$590.00}, in which I know it has because the automated system tells me that the debt is paid in full. Bottom line the company will not send me a proper payoff letter.
Product: Credit card

My card was compromised with {$14000.00} of charges i did not make. My typical monthly charges on this card ( BJs-Capital One ) are between $ XXXX. I received a statement with over {$14000.00} of charges. Capital One never notified me that the charges were high. I had to call them and stop the card usage. They told me that i approved another user which was in error. With my help we identified the fraudulent charges... ..unfortunately, Capital One sent a letter to my home address with the persons name that fraudulently used my card. I again had to call and get that corrected. That is a huge quality error on capital ones part. I am a XXXX XXXX  and they treated me with disrespect and inappropriately. This error made me feel like my information XXXX have gone to someone else in error.
Product: Debt collection

I believe XXXX, representing XXXX XXXX XXXX, knowingly pursued a judgement against me that was past the statue of limitations in Colorado. In addition, the proof of service filed with the court was fraudulent and may have been fabricated. They have not provided me proof of service as I have requested twice in writing. There is no judgment or other indication of collection efforts on my credit report as required by the Fair Credit Reporting Act. They refuse to supply me with debt verification, hence I can only conclude that the lawsuit was filed and judgement was obtained illegally. The firm is claiming that I waived the statute of limitations by failing to file an answer prior to judgement. However, due to both their failure to serve me & my ignorance of civil procedure at the time, I did not have the opportunity exercise my right to defend myself.
Product: Checking or savings account

On XX/XX/year> my capital one business checking account along with all my money just disappeared and capital one cant give me any info.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This account was dismissed in 2019 by XXXX County. The judge found the case on my behalf.
Product: Consumer Loan

On XXXX XXXX, 2014, I purchased a standard used XXXX XXXX from America 's Car Mart Inc. in XXXX, TN, for {$14000.00}. Today the XXXX XXXX XXXX price is listed at or between {$1500.00} to {$1700.00}. The annual percentage rate extended to me at the time was at 15 %. I 'm currently financing the vehicle in-house through America 's Car Mart. Since purchasing the vehicle I have made all payments on time ; however, I simply can not afford to continue making these high payments. For the first 3 months, I paid {$310.00} dollars every 2 weeks for payment, I currently pay {$240.00} dollars every two weeks for payment. I have 38 more payments before my last payment is due.
Product: Credit reporting or other personal consumer reports

I have attempted to request my complete full file disclosure, including the source of who provided my personal information such as address and dates, from all 3 bureaus but none of them will provide me with a full complete disclosure. They specifically said they will not be providing me the information of who supplied my address information or other information except for the account info. A file disclosure is not a credit report, but that is all they keep providing me every time I attempt to get my entire file. 

They will end up being caught red-handed as being the supplier of the dates on my address information but they keep telling me that it was supplied by my creditors. That is completely false and literally impossible ; the fact is they put their own date onto the " date reported '' as 9 years ago even though I haven't even lived here for a full year yet. If I need to find a new place then I can get totally screwed over by the information regarding my address history and I need it corrected the proper way instead of just putting random data on my credit report.
Product: Debt collection

FIRST FEDERAL CREDIT C took my identity and reported false information on my consumer report. I don't know who they are, I have never heard of them, and they cause my scores to decrease by 65 points. I never received any letter in the mail to have the ability to dispute or ask for a debt validation letter. A day before I was supposed to apply for more credit, I was alerted that my score I went down. I am holding this company responsible for the amount of money I was supposed to receive, but did not because of this adverse information. I don't even know what this alleged debt is for. I have attached a page of my consumer report
Product: Credit reporting or other personal consumer reports

Per the fair credit reporting act as a federally protected consumer I am now opting out of any and all authorization i the consumer may have given you written unwritten verbal and non verbal per 15 usc 6802. Department of education is inaccurately reporting a debt on my consumer report without my written consent as required by consumer laws and federal laws. I have involved my rights to privacy and demand that my non public personal information is ceased from being shared from the department of education to all 3 credit bureaus. I have not received validation or any signed contract obligating me to owe the alleged debt. Department of education and all 3 credit bureaus is govern by less protecting consumers private information as well as obtaining accurate information before furnishing to a consumers report. I am demanding that department of education immediately stop the furnishing of my personal information shared to the credit agencies I have not given consent or given any agency power of attorney to act on my behalf. By law such information is to me from odd immediately. I hereby demand my rights to privacy be protected and my non public information stopped being shared with non affiliated 3rd parties. After this notice if my information is continued to be furnished I will be seeking civil damages for the violation of my privacy rights.
Product: Checking or savings account

Chase Bank indicated a charge to my checking account was made with my debit card on XX/XX/2021 in the amount of {$100.00} at the U.S. Post Office. The amount allegedly represented a {$1.00} purchase and {$100.00} cash back. I did not make this transaction and I disputed the charge with the Bank. They temporarily reversed the amount on XX/XX/2021 while they did their research.. On XX/XX/2021 they informed me the research was completed and indicated that I was responsible for the transaction and the charge was again placed on my account. I went to the Post Office who informed me that they do accept debit card transactions but only give cash back up to {$50.00}. I contacted the bank again ( local branch in XXXX XXXX ) and they said they had completed the investigation and the matter was closed.
Product: Credit reporting or other personal consumer reports

I spoke to a Rep at EXPERIAN, XXXX, XXXX and I also sent in my documents in reference to a BANKRUPTCY appearing on my Credit Report several times. Nothing has been changed on my Credit Report as of today XX/XX/year>
Product: Credit card or prepaid card

I changed my autopay bank account inXX/XX/XXXX. I received a confirmation email that it was changed and thought all was good. I did n't order many things from them during the summer because I was incredibly busy with work so, I did n't bother to open my statements as I figured whatever little I owed, would come out of my bank account. 

On XX/XX/XXXX I was placing an online order at Macy 's my card was declined. That 's when I found out my account was past due. I looked at the autopay and the info was correct but no charges had been made to the account since I changed it. I did n't understand but took care of it immediately even paying the late fees because I did not want to deal with waiting and calling them during the week as I was scared to mess up my credit, which I painstakingly have been building up for the past several years. 

Unfortunately, today I woke up to an email from my credit score tracker saying it changed. It changed from XXXX to XXXX because of a 2 month late balance of {$110.00} in the Macy 's card. I am devastated that my credit could go down so much for so little. THIS WAS NOT MY FAULT! THEIR AUTO PAY SYSTEM FAILED. I called Macy 's and spoke with the Credit bureau representative. Showed my evidence that I had set up auto pay correctly and NEVER received a SINGLE past due notice from them. They said it 's still my responsibility to know if the auto pay went through even though it was their system that failed to collect the money. Now my credit score is blemished over a small balance that I can most certainly afford to pay. But they do not hold themselves responsible at all even though their online pay system failed and they never sent me one " Past Due Account '' email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the bureaus about two ( 2 ) XXXX XXXX account that I have that is closed and have a paid status on my credit report. I wrote them asking for the removal of the late payment on my account which I am still seeing and causing a negative impact on my credit. 
I am just asking for the removal of the history of late payment on my credit report concerning XXXX XXXX account # XXXX and XXXX as I am trying to obtain some credit and this is creating a negative impact on my overall credit and credit report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint again to you today to inform you about this continuous reporting of fraudulent activity in my credit file. I visited the FEDERAL TRADE COMMISSION website : https : //www.ftc.gov and filed an identity theft report # XXXX, Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information and fraudulent items that were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from a fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report this morning, I noticed unusual inquiries I didnt authorize. Please investigate and correct this promptly.
Product: Debt collection

CREDIT CONTROL FAILING TO OBEY THE LAWS HAS BEEN PUT IN PLACE PUTTING MEDICAL BILLS OM MY CREDIT REPORT I DONT OWE I HAVE REACH OUT TO THE CREDIT BUREAU AND THEY FAIL TO RESPOND THIS LETTER IS FOR MY RECORDS MY HIPPA RIGHTS HAS BEEN VIOLATED AND MY MEDICAL RECORDS HAS BEEN COMPROMISED
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
I DISPUSTED THIS INACCURATE MORTGAGE ACCOUNT THATS REPORTING 30 DAYS AGO. I DISPUTED THIS ACCOUNT WITH THE CREDIT BUREAUS AND IT CAME BACK VERIFIED. NOW THIS REALLY HURT ME, ESPECIALLY AFTER I HAVE BEEN TO CIVIL COURT AND WON MY VERDICT AGAINST ALREADY FOR INACCURATELY REPORTING MY ACCOUNT WRONG. I'VE ASKED THEM TO SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE BUREAUS IS ACCURATE. WHICH THEY INSTRUCTED TO TAKE THE MATTER UP WITH THE BUREAU IT'S NOT THEM. SO HERE I AM AGAIN GOING THROUGH THIS WHOLE DISPUTE PROCESS OF FINDING OUT WHO'S LIABLE FOR REPORTING INACCURATE INFORMATION. IF XXXX XXXX XXXX CAN NOT PROVIDE ME THIS INFORMATION OF WHY I HAVE A 30 DAY LATE PAY IN XX/XX/XXXX WHEN I HAVE NEVER BEEN LATE, AND  WHY THEY ARE REPORTING INACCURATELY THAT THE LOAN IS BEING MODIFIED. THEN TO TOP THAT OFF  IN MY COMMENT SECTION INACCURATE REPORTING OF A BALLON PAYMENT OF $XXXX DUE BY XX/XX/XXXX WHICH IS COMPLETELY FRIVOULOUS. IF THEY CAN NOT PROVIDE ME THIS INFORMATION, THEN THEY MUST REMOVE IT AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER, BUT PROOF. UNDER THE FEDERAL SERVICE ACT-REAL ESTATE SETTLEMENT PROCEDURES ACT 12 U.S.C 2605(e), I'VE REQUESTED A QUAILIFIED WRITTEN REQUEST AND RECEIVED NO ANSWER.
DUE TO THIS I FEEL THAT XXXX IS REPORTING THIS ACCOUNT TO THE CREDIT BUREAUS IS INACCURATE, SO PLEASE PROVIDE ME WITH THE FOLLOWING INFORMATION:
1) ALL TRANSACTIONS PERTAINING TO THIS ACCOUNT.
2) HISTORY OF ALL TRANSACTIONS  PERTAINIING TO THE ESCROW OF THIS ACCOUNT.
3)ALL PROPERTY INSPECTIONS FEES.
4) ALL FEES PERTAINING TO THE ACQUISITION OF THIS LOAN.
5) DETAIL BREAK DOWN OF ALL PAYMENTS, INTEREST AND LATE FEES IF ANY ASSOCIATED WITH THIS ACCOUNT.
6) THE PAY OFF AMOUNT.
IF THIS REPORTING INACCURATELY CONTINUES, I WILL HAVE NO OTHER CHOICE BUT TO CONSULT WITH A CONSUMER RIGHTS ATTORNEY REGARDING MY RIGHTS IN THIS MATTER, AND BASED ON MY RESEARCH OF THE FACTA ACT, AS A CONSUMER I HAVE THE LEGAL RIGHT TO DISPUTE ANY INACCURATE ACCOUNT DIRECTLY WITH THE LENDER/CREDITOR. I KNOW YOUR COMPANY WILL DO THE RIGHT THING, I HAVE ALL DOCUMENTATION AND I'M CAREFULLY TRACKING ALL CORRESPONDENCES. I WILL HOLD YOUR COMPANY RESPONSIBLE IF YOU FAIL TO PROVIDE ME WITH THE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my report # XXXX I am disputing for the past 6 months a medical collections from a collections agency Transunion delete 3 accounts but make a re-insertion wihout any notification ( FCRA REQUEST A WRITTEN NOTIFICATION ) my dispute request a HIPPA AUTORIZATION FROM THE PROVIDER AND THE COLLECTION UNTIL TODAY all my attempt to fixes this issues was ignored
Product: Checking or savings account

I made an account with Bank Of America and I was n't being smart. There was a young women that was on XXXX around 2015 and she was flipping money on XXXX and saying that she could make people rich. And I did n't understand like I know now. But she ask me to send my card to new York and I did. Eventually I received envelopes in the mail about withdrawals from my account. And from there my account closed and did n't know what to do from there. I honestly had no clue that it was just a scam. I want to figure out to fix this cause it 's ruining my life. Please help me