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

In accordance with The Fair Credit Reporting Act- The list of accounts below have and do continue to violate The Consumer 's federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX Collections Number : XXXX Account Name : XXXX XXXX XXXX XXXX Number : XXXX 15 USC 1681 section 602A states that ( a ) Accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681 section 604A states that a consumer reporting agency can not furnish an account without the consumer 's permission- ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681c. ( a ) ( 5 ) states that : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Checking or savings account

someone broke into my truck an stole my back pack with my laptop wallet and all my information
Product: Debt collection

My wife and I applied to an apartment complex aproximately 3 and a half years ago. The apartment denied our applications with fees at XXXX dollars per person that we paid totaling XXXX dollars. Around 3 months later, i start getting harrassing calls from a company called Hunter Warfield saying I owe money to them. They originally stated i owed XXXX dollars and has somehow went up to XXXX dollars. I do not owe this amount and they have been told not to contact me anymore and yet they are still harrassing me.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 then records of convictions of crimes which antedates the report by more then 7 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. These are Fraudulent accounts and need to be removed from my Credit Report.
Product: Credit reporting or other personal consumer reports

I was denied a rental application due to First Advantage XXXX XXXX XXXX, XXXX, IN XXXX reporting I have a criminal record on 2006. I do not have or ever had any criminal records and I email them a copy of a Police Background Check from last year showing I do not have any records and a copy of my ID as well as my Social Security. The email me a few days later a rental denial due to either insufficient or unacceptable information contained in your consumer report.
Product: Mortgage

See attached complaint of ongoing inaccurate payment history information that was concealed for 9 years, and that after discovery of the inaccurate information 's basis, Nationstar refuses to make error corrections to the month each payment was inaccurately applied to. Also, see evidence attached, including XXXX XXXX admission XX/XX/XXXX that in fact XXXX DID receive my XX/XX/XXXX loan payment and they too refuse to make necessary corrective action refusing to remove an admittedly inaccurate loan payment reversal to allow for reassessment of the month each payment was applied to and reassessment of late fees.
Product: Checking or savings account

I just cant see how much I got in my closed account on transferwise.com ( personal and business ) in the login XXXX because they just closed the account with an automatic answer saying " aftwer reviewing your account we decided to keep it desactivated ''.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly.

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Debt collection

According to USC 15 1692 ( c ), USC 15 1681, USC 15 1681 ( N ) 15 USC 1681A, 15 USC 1681S, 15 USC 1692K, I have soft and hard inquiries on each of the major 3 credit bureaus that I have zero knowledge about.. this is my 2nd letter to you all.. I demand that all 3 major credit bureaus erase soft and hard inquiries off of each credit report ( XXXX, XXXX, and Transunion, as well as lexus nexus.. I am also demanding my expenses no greater than a {$1000.00} for each inquiry as USC 15 1692K states.. I am also demanding a cease and desist letter so if any credit bureau replies it should be with a check for my inquires or a ok letter saying they will cease all communications.. I will take legal action if either of the 2 are violated...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX This letter is a formal complaint that you report inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( XXXX ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.
Product: Credit reporting

I have a concern with Equifax adding addresses and removing information off of my report that they did not have permission to do so. They added an address of XXXX XXXX XXXX on my credit report. I have never lived at this address and they had no business doing so. I also added XXXX to my fraud alert so that potential creditors contact me. Someone removed it. I had it added a few weeks ago and someone removed it. I am not pleased with any of this and Equifax is about to have a lawsuit on their hands if this is n't resolved in the next few days.
Product: Credit card

I emailed the CEO of a goodwill adjustment for one late payment in XX/XX/year>. I am deeply saddened I received a call today from a representative that they couldnt honor this in my favor as I have been a loyal customer to them for now 3 years. I hope this letter finds you well. I am writing to discuss my recent credit history with your company, specifically the late payment reported on my account in XX/XX/year>. I take full responsibility for my actions and sincerely apologize for any inconvenience this may have caused. Unfortunately, during this time, I was severely ill and without any source of income. This unforeseen circumstance severely impacted my ability to meet my financial obligations, including my credit card payments. Since recovering, I have made consistent efforts to get back on track and have ensured all subsequent payments are made on time. I am committed to maintaining a positive credit history and have taken significant steps to manage my finances responsibly. This late payment is currently affecting my credit score and hindering my ability to secure a mortgage loan to purchase a house for my family. As this home is crucial for our stability and future, I am humbly requesting a goodwill adjustment to remove the late payments from my credit report. I deeply appreciate your understanding and consideration in this matter. Your support in this difficult time would mean a great deal to me and my family. Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Student loan

I was currently enrolled in a program through the student aid institute where they charged me XXXX for the entrance fee and XXXX dollars a month to maintain. Student aid institute was shut down with no warning and now my loans say I owe XXXX dollars for two months. I want my money back and to get into a program and I cant get a response from anyone. I need help
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found items that were deleted off my accounts reinserted. 15 U.S. Code 1681i ( c ), credit reporting agencies are prohibited from reinserting information that was previously removed due to a dispute unless the information is proven to be accurate. Additionally, the furnisher of Information is required under 15 U.S. Code 1681s-2 to ensure that all information reported to the CRA is accurate and complete.The information has been reinserted in error, I respectfully request that it be removed once again.

Please provide the following : A detailed explanation of the reinsertion of this information, including the name of the furnisher.

Proof that the information has been verified as accurate.

In accordance with the law, I expect this issue to be investigated and resolved within the 30-day period stipulated under the FCRA. If the information is found to be inaccurate or unverifiable, I request that it be permanently removed from my credit report. 
Please notify me in writing within 5 business days if this information is reinserted or if there is any further action needed on my part. I also request that a copy of my updated credit report be provided to me once the dispute is resolved. 
Thank you for your prompt attention to this matter. 
XXXX accounts : Account : XXXX  Date opened : XX/XX/year>. Account : XXXX XXXXXXXX. 
Equifax Accounts : Account : XXXXXXXX XXXX  Date opened : XX/XX/year>. Account : XXXX XXXX XXXX XXXX, XXXX opened : XXXX XXXX, 2021. Account : XXXX XXXX, Date opened : XX/XX/year>. Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Date opened : XX/XX/year>. 
XXXX Accounts : Account : XXXXXXXX XXXX, Date opened : XX/XX/year>. Account : XXXX XXXX, Date opened : XXXX XXXX, 2021. Account : XXXXXXXX XXXX  XXXX, Date opened : XX/XX/year>. Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX opened : XX/XX/year>.
Product: Prepaid card

I received A XXXX $ Amex prepaid gift card. I have been unable to use it anywhere. Ive tried XXXX, XXXX, XXXX, gas station, XXXX XXXX and it is always declined. I contacted XXXX customer service. They told me that they decline the card to protect me. Which makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on behalf of syncrony bank/qvc. This account was removed and deleted off my   XXXX   and   XXXX    credit report after I disputed it over several times. However they responded to   XXXX   credit reporting agency not to remove the account off my report. This is wrong as it was confirmed to delete from the other   XXXX   credit reporting agency 's but they will not allow it to be deleted off my   XXXX   report. I tried to re-dispute it again this morning with   XXXX   but  XXXX  would not allow me to do so ( which is also wrong ). I have this account reporting on my   XXXX    credit report and it should be deleted just as they gave verification to delete off   XXXX   and  XXXX . I am fustrated at the fact that they are affecting my credit score in a negative way by responding not to remove. I was told by  XXXX  syncb/qvc responded to delete off report why would they respond NOT to delete off  XXXX ? I would also like to note that qvc is no longer in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, XXXX XXXX XXXX XXXX, Account number : XXXX has violated my rights. I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account status. I do not recognize the account high balance nor do I recognize the late payments associated with it. Everything reported here does not meet the FCRA. 

15 USC 1681 Section 602 A : States that I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written permission. 
15 USC 1681S-2 ( A ) ( 1 ) : States 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. 
15 USC 1681C ( A ) ( 4 ) : States that no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
Product: Debt collection

Macys continues to add additional false information to my credit report. I had asked for verficaiton of the debt they said I owed. They then added additional negative marks on my credit report. Macys claims my account was charged off in XXXX XXXX but they have recently reported over 5 times in XX/XX/XXXX that the account was re charged off. 

I have disputed these facts with the XXXX credit bureaus and they say Macy 's confirmed and verified that they charged off the account all of these 5 times in XX/XX/XXXX, which is false and in violation of the Fair Credit Reporting Act and Fair Debt Collection Practices rights. 
15 U.S.C. 1681s ( a ) ( 1
Product: Credit card

I followed a direct link from the XXXX webite for earning a new card member bonus of XXXX rapid rewards points after spending XXXX in first 3 months after opening a Chase Southwest credit card. I purchased airline tickets and spent the {$1000.00}. Instead of honoring the advertisement- I was bait and switched. They gave me a {$200.00} statement credit and a XXXX rapid reward new member bonus. I complained and their response was that was what I applied for. I am very clear on what I signed up for. The XXXX new member bonus is highly publicized on the XXXX website, and on their planes. The interest rate on this card is astronomical- I only applied for advertised bonus. I have requested that they take back the statement credit, and issue me the remainder of my miles. I have sent XXXX inquiries, and only received XXXX response.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the credit reporting bureaus XXXX XXXX, XXXX, & Experian ) do not provide the proper information, web forms, or customer service center access for US military personnel and their families serving overseas to properly access their credit report, file a fraud alert, or place a security freeze on their credit file. At least two of the credit bureaus do not provide the APO/FPO/DPO state designators in their dropdown menus for entering a current or past address ( AA, AE, or AP ). When attempting to call the customer service centers, the automated menus do not allow the caller to request a representative and the automated service menu will close out the call if the caller answers the " security '' questions but the information can not be verified. XXXX, XXXX, and Experian currently demonstrate they do not care about their customers, particularly those who have chosen to volunteer to protect the United States, our freedoms, and the human rights of people all over the world. XXXX, XXXX, and Experian should be extremely ashamed of the way they treat all their customers and especially their lack of effort in serving the US military community all around the world.
Product: Credit reporting

I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that a modification on my mortgage was approved several years ago as I was going through a divorce, the mortgage servicer maintains a continuous 180-day late payment history. The same credit rating states PAYS AS AGREED. This is highly discriminatory. I am a professional XXXX American woman and I find this type of credit reporting to be racially biased and I have XXXX chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against XXXX, I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.