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

My background check report was provided to XXXX by Sterling Infosystems , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. 

The report contains a 12 year old XXXX  charge ( XXXX  from XX/XX/XXXX  / XXXX XXXX XXXX, Utah ). I have never had any issues with this charge and have worked in the XXXX XXXX field for a combined sum of 5   years. I was under the impression this would fall off my record after 7 years. 

*Per the Fair Credit Reporting Act consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 

On XX/XX/XXXX XXXX suspended my account. On XX/XX/XXXX they deleted my account. 
I did send an email to XXXX member care team ( XXXX ) today to notify them of the mistake. I no longer have access to the report, because my account no longer exists. Also I can not call the reporting agency at this time because I am in XXXX. 

Thank you in advance for your assistance, XXXX XXXX XXXX
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Product: Debt collection

DUE TO NON-VALIDATION OF DISPUTE, THIS ACCOUNT WAS DELETED FROM MY XXXX CREDIT REPORT AND I FELL VICTIM TO THE XXXX DATA BREACH MY INFORMATION WAS COMPROMISE XXXX XXXX XXXXXXXX AMOUNT {$2100.00}
Product: Credit card or prepaid card

XXXX called me on the phone, told me my company was pre-approved for their gas card, and sent it to me after a brief phone interview/application. I used the card, never got anything in the mail or email or anything telling me I had a balance owing and how much to pay or to where to send payment. I called the number on the credit card to inquire about this and they said my account was already referred to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

I was denied a refinance even though the VA explained to the lender that I qualified under intermittent occupancy based on my job being overseas. I was charged {$520.00} for an appraisal and had my credit report run while being assured by the VA and pre-approved by the lender that my loan was standard and fell well within guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, US DEPT OF EDUCATION/XXXX XXXX , US DEPT. OF EDUCATION/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to all three credit bureaus to fix my personal information. They have not updated any of my information. Ive mailed, called, & faxed and none of my personal information was resolved.
Product: Student loan

Hello, My student loan information with my servicer AidVantage is incorrect. The dates don't reflect the proper dates of when I fiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. For some reason, they are showing my loans as beginning in XXXX when I bXXXX XXXX XXXX XXXX XXXX XXXX  Though the bulk of my loans are from XXXX, which, as I stated above, I began XXXX  in XXXX. 

Also, I don't think any of the payments that I've made under XXXX XXXX have been credited towards my loan amount. AidVantage mentioned that my XXXX XXXXXXXX XXXX XXXXXXXX loans were forgiven and said they would assist me with getting to the bottom of the incorrect loan dates after my XXXX XXXX XXXXXXXX forgiveness went through. I've called several times and haven't been able to get assistance with this. Either the rep eventually puts me on hold, isn't helpful, or I've even had reps hang up on me. 

I'm beyond frustrated at this point and would like assistance with getting this corrected asap. 

Many thanks for any guidance or assistance you can provide. 

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

n 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX 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, credit repair services, or other personal consumer reports

The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. 
For yet another time, my personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts. 

Below are the fraudulent charged accounts that I need to be removed Asap : 1. XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$600.00}, Limit {$500.00} I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report .Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX : {$250.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$6700.00} ; XXXX & XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

XXXX XXXX MY ACCOUNT NO IS XXXX CAPITAL ONE BANK. 

I am writing to formally express my frustration regarding the closure of my account and the subsequent delay in transferring my funds. As informed in the email I received from CAPITAL ONE team ( attached as a screenshot ), I was told that my funds would be transferred to my external account within three days of the account closure. However, it has now been almost a week, and I have yet to see the funds. I have reached out to your customer service several times, but unfortunately, I have not received any satisfactory answers or updates regarding the status of my funds. This lack of communication and resolution is causing me significant distress and inconvenience. I kindly request that you look into this matter urgently and provide me with an update on the status of my fund transfer. It is my hope that this issue can be resolved promptly so that I can avoid any further complications. Thank you for your attention to this matter. I look forward to your swift response. Sincerely.
Product: Credit card or prepaid card

My complaint is with Chase Cardmember Services and their Executive Office. 

Looking back, I made several transactions with my XXXX Chase credit card last XX/XX/XXXX to get cash to give to a foreign company called XXXX XXXX XXXX to make binary options trades for me. Since I did not have any cash on hand for these trades, I obtained cash from four of my credit card companies for XXXX XXXX XXXX to use to make the trades for me. The four credit card companies were Chase cardmember services, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  debit card visa. 

When I realized that I was part of an elaborate scam ( I only realized this in XX/XX/XXXX ), I began contacting the card companies to let them know that I was part of a scam, and to tried to get them to give me my money back. Two of the banks ( XXXX XXXX XXXX and XXXX XXXX ) agreed with me, and credited my accounts for all of the transactions I made through them. 

However, Chase Cardmember Services and XXXX XXXX XXXX XXXX listened to my dispute, but WOULD NOT give me my money back ( see attachments from Chase ). 

They said that since the transactions ( {$33000.00} cash credit card transactions ) had occurred more than six months prior to my dispute, they would not credit my account. 

XXXX XXXX XXXX XXXX has also rejected my dispute and they have failed to give me my money back. I made a {$1700.00} debit card transaction with XXXX XXXX XXXX XXXX and a {$50000.00} wire transaction through their bank ( when I cashed-in a {$50000.00} annuity from XXXX and deposited the money in XXXX XXXX XXXX XXXX ). 

I have filed four separate disputes with Chase and each one has been rejected. The dispute with XXXX XXXX XXXX XXXX is still pending, but they have indicated that they will reject it also.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has a collection on my credit file being handled by Simms and Associates. I made an arrangement to settle the debt with Simms where they agreed to remove the remaining balance from my credit files. They did NOT REMOVE THIS BALANCE. I have disputed the balance with all three credit bureaus and filed a cfpb complaint for that process. 

I am filing this complaint against XXXX XXXX XXXX because section 623 of the FCRA provides the SAME 30 DAY TIME FRAME for handling disputes for the data furnisher that it does for the credit bureaus. 

It is a violation of federal law to leave a balance owing when I settled the balance in full with an agreement to remove it. 

Account number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A personal XXXX  XXXX XXXX credit card opened at XX/XX/XXXX account number XXXX, an a personal XXXX  XXXX  opened on XX/XX/XXXX account number XXXX, an a miscellaneous account XXXX XXXX XXXX opened on XX/XX/XXXX account number XXXX, an a miscellaneous account XXXX XXXX opened on XX/XX/XXXX, an XXXX XXXX opened on XX/XX/XXXX account number XXXX, an XXXX XXXX XXXX opened on XX/XX/XXXX account number XXXX, an a personal XXXX  loan DEPT ED/ XXXX opened on XX/XX/XXXX account number XXXX, an XXXX XXXX  opened XXXX XX/XX/XXXX account number XXXX, an XXXX  XXXX opened on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

List of incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

List of incorrect names : XXXX XXXX
Product: Credit card or prepaid card

I had fallen behind on 2 payments with JcPenney so I contacted customer service on XXXX/XXXX/XXXX to explain and worked out an arrangement to reverse my late fees so the balance would come down. At this time I also created an online account in order to keep up with my account activity. My credit limit was only {$100.00} and I had not used the card for purchases in about 5 months but made a payment in XXXX at a local store in XXXX Fl which has since closed down in XXXX. On XXXX/XXXX/XXXX I went into the closest physical store which is about XXXX miles away to make a payment of {$100.00}. When I got home I logged into the account to see if the payment had posted and been applied to the account and that 's when I saw the banner showing the account was closed and to continue making payments. I was not notified that by the company when I called on XXXX or when I made a payment on XXXX. I contacted customer service today XXXX/XXXX/XXXX to inquire why the account was closed and she told me it closed on XXXX/XXXX/XXXX and it was n't because of payment history but a review of my credit report. I managed this card well for over 2 years and when i call to make arrangements they close my account. I was already approved for the limit i had based on my credit worthiness. They should not be able to take that away. The credit report if monitored frequently should only be used to determine increases not to close an account that 's already open. This impacts my credit negatively.I have attached the chat transcript from XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My loan was sold to XXXX XXXX but before doing so ACS shut down member access to their website constituting late fees applied to my account, principal and reporting to credit agencies!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPD, it has been more then a YEAR, Trying to Work with MORTGAGE/LADAR to  CORRECT-REMOVE in-Correct Information is Posted to my Credit Report. # as fallows XXXX 
XXXX Date Generated : XX/XX/XXXX XXXX XXXX XXXX XXXX was my Original LANDER, My FIRST Payment was Due XX/XX/XXXX I PAID via Check Amount {$2000.00} But they SOLD my Paper to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Unfortunately. I never Got Credit from XXXX XXXX XXXX. in-spite. I provide them Several time Copy of Check was CASH on XX/XX/XXXX And it still Sowing on my Credit REPORT LATE/NO Payment. 
I have been Filing Dispute with USA XXXX. Finally I am seeking your Help to XXXX This issue/ I need HELP. 
THANK YOU XXXX XXXX
Product: Credit reporting or other personal consumer reports

I didn't authorize these XXXX XXXX to pull my Credit. I requested my signature of contract.
Product: Credit reporting or other personal consumer reports

Credit Acceptance located at XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX continues to report my payments as late, even though I am paying as agreed. I am the co-signer on the account and have been forced to repay due to the other party backing out of their obligation. My credit is being destroyed EVERY SINGLE MONTH by Credit Acceptance. I am paying bi-weekly which is more than the original payment is. I would try and refinance but my credit is tanked EVERY SINGLE MONTH by them reporting it as a late payment. I recently tried to apply for a mortgage and I was told my denial was solely based on this car loan from Credit Acceptance. 

I would like to try and work something out, but everyone there in every department simply says these are the rules and they can not report my payments as timely because of the balance due. I am paying as agreed, and the amount is more than the original monthly payment is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to an account that was opened in my name fraudulent and as a result three accounts from XXXX XXXX XXXX XXXX XXXX that were correctly report that have been paid off for years has been removed from my Equifax report. 

The wrong accounts got removed from Equifax report and needs to be added back because removing those accounts hurts my credit age. 

The accounts in the amount of XXXX that was opened on XX/XX/XXXX was removed from my equfax report. It appears to be disputed in error. The incorrect acount was removed. The account in the amount of XXXX that was opened on XX/XX/XXXX was also removed from my Equifax report in error and needs to be added back. The account in the amount of XXXX was removed in error and should also be added back. Removing these accounts hurts my credit age and was not the correct accounts to be removed. I need them added back to Equfax asap.
Product: Mortgage

I applied for a trial modification and after succesfully completing my trial payments I had an issue where I could not get the final paperwork notarized because my id did not have my middle initial even thou original loan paperwork did not have it. I told my lender about issue I was having, I was told to go apply for a new id that had my middle initial on it. When I tried the dmv said I had outstanding tickets in a different state and had to clear that before I could get a new id issued. I informed my lender about this and was told not to worry, to just keep them informed and keep trying to get issue resolved. I called the state agency I was referred to to clear this issue and got issue resolved and just had to wait for the states to clear up the misunderstanding. When I called lender to give them an update they had already began foreclosure process when they said I didnt have to worry about that. My original loan paperwork did not have my middle name so I dont know why they could not isuue me paperwork without my middle name. Also The fact that I could not get a new id was not my fault as it turns out I had never set foot in other state claiming I owed tickets so I feel I should not be punished for it.
Product: Debt collection

Frequent repeated calls at odd hours using an auto dialer coming from many different locations... 

this is a debt from XXXX XXXX that i don't recognize and is most likely due to fraud... 

I've included Screen Shots of the latest 2 calls ... as you can see these calls come almost exclusively at odd hours intended to harass... 

XXXX lists the Company as : Company : RECEIVABLE MANAGEMENT SE Address : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX