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

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$8000.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Product: Credit card or prepaid card

Signed up for a Hilton Honors American Express card in late XX/XX/XXXX. The card was suppose to have 0 APR for 12 months. They have charged me interest from day one. I made two large purchases totaling around {$9300.00}. I started calling Amex around XX/XX/XXXX to correct the problem. I faxed them copies of the brochure with the proof of the offer and they have refused to honor it. They are charging me over 22 % interest which has amounted to over {$560.00} in three months. I have been calling them ( 10-15 times ) trying to resolve the problem, with no resolution. I have been making minimum payment each to satisfy their requirements Can you help? I have been a customer with Amex since XXXX and they don't seem to care.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - MADE XXXX YOUTH CLEANIN Incorrect Previous Address : - XXXX XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act ( FCRA ) is codified at 15 U.S.C. 1681 et seq.

Section 1681e of the FCRA sets forth the requirements for accuracy in credit reporting and includes provisions related to the reporting of bankruptcies. Specifically, subsection ( b ) of Section 1681e states that a credit reporting agency may not furnish a consumer report containing information on a bankruptcy case that is more than 10 years old.

Additionally, Section 1681i of the FCRA provides consumers with the right to dispute inaccurate information in their credit reports, including information related to bankruptcies. The credit reporting agency is required to investigate and correct any inaccuracies found during the dispute process.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Hi Equifax got my wrong date of birth from some sources.     To correct it I have sent  XXXX  documents (  DL & SSN )  to Equifax on   XXXX   XXXX  .     They confirmed over the phone they will update within  48 hours  but after even  one week they have not updated my DOB their customer service has no tractabilit y about all the document and they are completely clueless why they have not updated my DOB.       As a result, a result whoever need my credit report they are geeting wrong info and I completely screwed up.     Please help me to resolve this issue ASAP.     With Thanks   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX 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, credit repair services, or other personal consumer reports

I need for Transunion to investigate the mistakes on my report detailed in the letter attached
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, A certified letter was mailed to XXXX Credit Reporting Agency. Providing proof that 3 Public Records that are being reported on my credit report didnt belong to me. The reporting agency XXXX XXXX that XXXX used in the past several years. Complete their investigation after being contacted by me and removed all 3 Bankruptcy from their database. XXXX was also notified by XXXX XXXX requesting deletion of inaccurate reporting in results to their errors. XXXX XXXX is the Original Reporting Agency who I was advised to contact. I was informed from a Supervisor with XXXX even after verifying they received the certified letter. That my credit report will remain unchanged because they now use a different agency XXXX XXXX XXXX whom advise them the XXXX public records is accurate and needs to remain on my report. The Bankruptcy should have never been reported to my credit report. XXXX refuses to delete all 3 XXXX XXXX even after receiving documentation from a previous agency theyve used. According to the Federal Credit Reporting Act. Failure to correct and delete inaccurate information after receiving documentation from the Original Credit Reporting Agency and Consumer. Is a violation. Im requesting deletion of all 3 Bankruptcy Public Records dates ( 2 ) XXXX and XXXX files in the state of GA from my XXXX Credit Report. Final step will be to contact Georgia Attorney General Office.
Product: Debt collection

I lived at XXXX XXXX XXXX when I sold my home in Delaware from XX/XX/XXXX to XX/XX/XXXX I  gave my 60 day notice because the complex had rodent problems and numerous home robberies. When I gave my 60 day notice It was agreed upon by the office manager that they would use a portion of my security deposit towards the two months and whatever was left would be sent to me. They did a home inspection and gave me several compliments on the up-keeping of the apartment. They also sent me a letter acknowledging the 60 days notice and the completion of the home inspection which showed the apartment was in great shape, no damage to the carpet ( I cleaned the carpets at my expense ) and the appliances were in excellent shape. I moved and a month later received a letter showing I owed {$2900.00} for ( replacing the carpet, all new appliances and new window treatments ). I called and spoke to several people who informed me that although the apartment was in good shape, I am responsible to pay for new carpet, new appliances and all new window treatments for the next tenant. When I asked where was that in writing, they could not give me anything in writing showing me that was their policy. I explained that there was no damage to the apartment or appliances and they agreed. So after going back and forth with their management staff and threatening to pursue them legally. They apologized and told me it was a mistake and they rescinded their decision and agreed with me. I asked for a letter to confirm that they would not hold me accountable for all new carpet, new appliances or new window treatment. Never got the letter but they did remove it from my credit report. Now after years have passed, they put it back on my credit report again via a collection agency ... this time I want to pursue them legally. My security deposit was about 3k ... ..two month rent would have been about {$2200.00}. I want my remaining security deposit back and I want this removed from my credit report for falsely showing I owe them money when in fact I owe them nothing. I am not responsible for them giving the next tenant new carpet, new appliances or new window treatment. That apartment was spotless, carpet was clean ( looked brand new ) and the appliances were in great shape. Window treatment was also in great shape ... .they should not be able to get away with this ... ..I also want a list of all the damages they say I caused to the apartment ... .but I want them to also have the maintence manager who did the inspection give a statement on how she told me my apartment was spotless and immaculate. She also asked if they could use my apartment for pictures in the apartment guide book ... .Please assist me in stopping slum landlords from robbing their former tenants and damaging their credit for things that should be paid at their expense. If they choose to give all new carpet, all new appliances and all new window treatment it should be at their expense not their former tenants.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Checking or savings account

This is regarding Venmo, I was selling furniture on social media and a buyer transferred money through a business account to a personal account. it froze the funds in the middle and Venmo advised me they could not release the funds until i paid XXXX in monetary fees and i would get my money refunded and the buyers back to her. I did that and now they are advising me that i have to spend XXXX dollars on a razor card and open a business account to release my funds and the buyers again. I have 2 nights of sleep over this and Venmo advised the buyer its my fault i wont follow direction and open this new account and i don't want the account, i don't own a business and i fell like I'm being pushed into something i don't want to have. This is unlawful and risky and I continue to ask the company to refund the money and they refuse to until i buy this card and open a new account they email and harasser me constantly telling me they are reporting me
Product: Debt collection

This debt should not even exist because the apartment complex was notified 30 days in advance regarding my moving out. I was still charged for a partial month. I am willing to pay {$400.00} to settle this debt, but when I called, no one sees any of the notes about my negotiated amount. I lived at this complex XXXX XXXX XXXX, in XXXX, GA from XX/XX/XXXX til the end of XX/XX/2018. Even though I should not be paying this at all, I'm willing to pay the {$400.00} as agreed to by the collection agency to have this removed from my credit, entirely. NOT PAID AS AGREED. 

I've spoken to the credit bureaus and they informed me that the collection agency was just reading notes from the original debtor of this account. 

Please Advise. 

Thank you
Product: Credit card

I applied for a XXXX XXXX XXXXXXXX card in store today XX/XX/year>. The rep helping me advised the card was approved with a {$3500.00} limit and I was attempting to use it for a new purchase. The transaction was declined three times. The rep called in and was only advised that I had to wait for the physical card, entirely defeating the purpose of applying. I completed the purchase with another card and proceeded to call the customer service line at XXXX. The first customer rep I spoke with reached out to another department and could only tell me a security block was placed. At that time I requested a supervisor. The supervisor whose name I believe was XXXX proceeded to give very vague and misleading answers. At first I was told there was multiple systems that the application had to scan through, then told XXXX XXXX systems. He kept stating that he had no information on why the block was placed, then proceeded to tell me it was flagged as fraud. After addressing the lie he told stating he didnt know anything then telling me it was fraud, the rep kept interrupting me and eventually chose to hang up after I said it was XXXX me the XXXXXXXX XXXX that he wouldnt let me finish speaking. 
After this interaction I called back in and requested another supervisor. I cant recall the name of the second supervisor but she was more helpful and transferred me to a different department, I believe it was their consumer protection department. This rep then gave very vague answers saying for security reasons I couldnt be verified. I asked for clarification on what couldnt be verified but I was denied any explanation. I was continually told I would be contacted. I then asked how I would be contacted and was told it could be either phone, email, or regular mail. When I asked for clarification on when I should expect a follow up I was told it could take up to a month. I then asked what would happen if I hadnt heard anything within a month and was told Id need to call back in. I asked what would happen at that point given Ive been told I cant be helped over the phone and wasnt given an answer. 

At this point I requested to cancel the card due to the lack of information provided and the overall frustration of the experience. I was denied my request to cancel stating I had to wait for the verification before I could even cancel. 

At this point with no guarantees of any sort of resolution from the company Im resulting to filing this complaint. I was provided with a receipt from the physical store that my application was instantly approved for a {$3500.00} limit, told it could be used for the purchase I was there to make that day, and subsequently denied any explanation from the merchant as to what the issue with my account is despite providing my physical ID in person during the application.
Product: Student loan

Most of my student loans have been serviced by Nelnet since starting college. Though I am grateful for anyone who helped me in my journey of achieving higher learning, the whole experience has not been pleasant. During my school term I faced both tragedy and hardship. I was forced to leave school and while doing that I was advised by the school 's financial advisor that after XXXX months my student loans would start to become due. Though I was battling homelessness, I still managed to call in and apply online for debt consolidation so that I can get in control of my finances. I chose to consolidate with Nelnet because they were already servicing most of my loans. I completed my consolidation application before the first payments were to become due on all of my loans. I subsequently called into the servicer and advised them that I was in the process of consolidating and was not working. The representative on the phone said that a consolidation application takes time to be approved but in the mean time she will make note of my lack of my income so that payment will not be due while the accounts are in the process of getting consolidating. I thought all was fine after doing my due diligence with Nelnet and keeping them in the know. Unfortunately, despite all my efforts of payment arrangements and promises from the Nelnet rep, I was notified through a free credit monitoring service that several accounts had become delinquent and my score plummeted very low. I am completely outraged by Nelnet 's inconsistencies and false reassurances. A total of XXXX ( XXXX ) account became immediately marked late by 90 days. Despite reporting in good standing the XXXX months prior too. It was completely unexpected and I have been disputing it since online to no avail. I then went further and wrote goodwill letters, as well as contacting the CEOs and all they do is forward me to the general customer solutions department to which they provided with inconsistent policies or ignore me entirely. As a result of their erroneous reporting I am not able to be approved for lines of credit and the defamation has prevented me from receiving unemployment. I hope this is the tool I need in order to receive the justice I deserve and get these 90 day late marks removed from all ( XXXX ) accounts that were already in the process of being consolidated with the same servicer.
Product: Mortgage

I am registering this complaint against Ditech LLC. We had a loan with this company which was paid off on XXXX/XXXX/2016. They sent a check for the escrow funds they were holding in trust. However, the check was payable to myself and my husband who had passed away. I contacted them regarding this matter on XXXX/XXXX/2016 ; and was advised to return the check and send an original certified copy of his death certificate to the address in XXXX XXXX, Minnesota attention loan servicing - escrow. The check and the document was sent on XXXX/XXXX/2016 by USPS priority mail which was received by them on XXXX/XXXX/2016. On XXXX/XXXX/2016 I contacted by phone and the customer service representative stated the check and document had been received and to call back in 7 days. I contacted their office again on XXXX/XXXX/16 and was told I needed a probate affidavit ; asked why did they not tell me that in the last XXXX calls. On XXXX/XXXX/2016 I sent an " affidavit for collection of personal property under California probate code XXXX '' which was notarized along with a cover letter via USPS priority mail. The items were received XXXX/XXXX/2016 at the same XXXX XXXX Minnesota address. I have since contacted their customer service representatives and supervisors in Texas and South Dakota to no avail. On XXXX/XXXX/2016 I spoke with a customer service representative in South Dakota who referred me a director XXXX XXXX who requested I send an email with attachments of the documents ; which I did and a cover letter requesting she contact me and advise she did receive the email and documents. I have attempted to reach her on her private line and all I ever get is her voice mail. On XXXX/XXXX/2016 I contacted the Customer service department again and the customer service lead stated she would have XXXX call me back on Monday XXXX/XXXX/2016. This never happened. I have called the direct line several times since only to get her voice mail. I did notify her on the last XXXX messages that I would be contacting the " CFPB '' to report this situation. This company lacks in customer service skills, follow thru and follow up. I want my escrow monies ; I paid them in good faith and followed their instructions. I have asked on numerous occasions if they needed anything else from me and no one has said a word.
Product: Mortgage

Loancare LLC gave false information and stated that a loan modification was granted via phone, a letter was recieved stating that no modification was granted. XXXX? 

Loancare LLC knowingly claimed that my primary residence is NOT my primary residence, as paperwork was supplied as requested by Loancare verifying home occupation.

Loancare LLC willingly engaged in dual tracking in violation of federal law.