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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEP ED XXXX US DEP ED XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEP ED XXXX US DEP ED XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX  {$1500.00}
Product: Mortgage

This is the second time New American Funding has not paid the home insurance per their contractual obligation resulting in my insurance being cancelled and their replacement insurance costing double or more. They did not pay ( approximately {$500.00} ) and threatened to purchase their own insurance ( approximately {$2000.00} ). Due to their lack of payment, my insurance was cancelled before I was able to make a claim regarding damage to the house ( approximately {$10000.00} for a damaged exterior wall ) and now I will not be able to make a claim with the new insurance company. They do not return my calls in a timely manner and when they do they call well after normal business hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602A. 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 card or prepaid card

On or around XXXX XXXX XXXX XXXX, I had extreme pain in my mouth due to XXXX XXXX. I called the nearest dental service near me. XXXX XXXX XXXX XXXX, in XXXX, New York. After x-ray 's the dental assistant explained how serious the XXXX in my mouth was and can cause me to die if left for another day. She told me that I needed XXXX XXXX graphs and an XXXX XXXX treatment. She also made clear that my insurance wouldn't cover the procedure. She told me about the total cost for the procedure was XXXX. I didn't have that kind of money.I don't know what each item cost to equate XXXX. I was then asked if I had good credit. I was working on my credit and at that time it was XXXX. She took down my social security number and left. Some time passed and I was told the dentist is coming to do the work. I asked did I get approved? The lady said yes. I will be getting a bill in the mail in 2 months. The work was done. 2 months passed now I'm in XXXX, and I get an email stating that I'm late. I called Synchrony and explained what occurred and they sent me a copy of the account. 3 weeks later I then received the card with the terms and conditions. I expressed how unhappy I was and how unfair it has been. 
I never received 1. The card until I called, 2. The contract that I signed nor the terms and conditions, 3. The TILA, I have no clue what was the XXXX, XXXX. The date its due, 5. The option to shop around for a better deal. I feel like I was targeted and that this company is a predatory lender. 
My daughter went to the same establishment to get a similar procedure minus XXXX XXXX and they took down her social security number, came back and told her she doesn't qualify and gave her resources to get it done for {$600.00}. They preyed on me and charged me XXXX. Due to this, I went from a XXXX score to now XXXX. I am suffering mentally and physically. I should've been looking for a home, but I can not with a XXXX score. I can't eat nor sleep because I've worked so hard to build my credit and due to Synchrony/Carecredit predatory lending its destroyed.

Synchrony/Carecredit has reported differently on each of my reports.

Synchrony/Carecredit has an incorrect spelling of my name because they assumed my name from lack of identity. They only asked for my ss # and a name.

Synchrony/Care credit has reported negative
transactions and it's illegal to report transaction history. The reporting is not 100 % accurate, per 15 USC 1681.

They violated the privacy act of 1974, 15 USC 6801, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, verbal, nonverbal communication I may have given per 15 USC 6802., 15 USC 6083, 15 USC 6804, 15 USC 6805.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681cXXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX 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: Debt collection

I ORIGINAL APPLIED FOR THE APARTMENT ON XX/XX/XXXX.
I FILED FOR BANKRUPTCY ON XX/XX/XXXX WAS DISMISSED XX/XX/XXXX. IN XX/XX/XXXX I NOTICE THAT CREDITOR WAS STILL ON MY CREDIT REPORT, I DISPUTED WITH XXXX AND IT WAS REMOVED XX/XX/XXXX. THAN ON XX/XX/XXXX I  NOTICE CREDITOR WAS STILL ON MY CREDIT CONTACTED COMPANY AND THEY STATED THAT EVEN IF I FILED FOR BANKRUPTCY IM STILL RESPOSIBLE FOR THE DEBT AND IFWOULD NOT CLEAR OFF UNTIL DEBT WAS PAID IN FULL.
Product: Credit reporting or other personal consumer reports

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XX/XX/XXXX account # XXXX, XXXX XXXX XX/XX/XXXX ACCOUNT # XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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
Product: Mortgage

In 2005, I was victimized by Wells Fargo specifically their predatory lending practices. 
What you need to be reminded of : -they took advantage of my dream for home ownership the American dream. 
-they concocted an illegal home loan that violated over traditional funding practices which included the over valuation of the property : -they ignored my debt to income and loan to value ratio. 
-levied unfair terms, by taking advantage of my inadequate understanding of loan terms and conditions. 
-Wells Fargo underwriters were confident that this loan would default and they would end up repossessing/foreclosing the home and recoup any losses with mortage insurance and the tax payer bailout. 
-they destroyed my family, my finances, took 10 years of mortgage payments : {$530000.00}. The house was listed and purchased at : {$390000.00}, Ignoring all appraisals. 
-I am XXXX XXXX XXXX XXXX -The property was recently resold. 
-my down payment, interest payments, principal payments, equity, all gone. 

they payid a XXXX dollar fine to XXXX knows who, and my family is still in ruins. 
How can they make me whole? 
Where is my relief? 
How can I start over? 
Where do I apply for relief?
Product: Credit reporting, credit repair services, or other personal consumer reports

THIRD ATTEMPT Section 605B of the FCRA, it states that, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. 

Im attaching my letter for dispute and police report. Transunion must honor this request within 4 days! It is completely ridiculous at the number of attempts I have made to have these items removed. Transunion will be sued if I can not get this matter resolved in the number of days per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Criminal record of XXXX XXXX  appearing on my credit report is an error. It is from XXXX of XXXX in XXXX  XXXX, Pennsylvania for XXXX XXXX XXXX. I am XXXX XXXX   XXXX. Also, please help remove incorrect address that is reported on my credit- XXXX XXXX XXXX XXXX   XXXX Pa XXXX. This is also in error and should.not appear on my.credit. I have seen these items reported by various companies hired by potential employers to run for employment purposes. ALL 3 major credit reporting bureaus. This is a critical and urgent barrier to my career, so please help expedite my complaint to have errors removed. Thank you!
Product: Credit card or prepaid card

This is my second complaint to you since I did not get a confirmation from you so I don't know if you got the first complaint. 
I have also filed a complaint with consumer Financial Protection Bureau but they have done nothing. 
Since my last complaint to you, Chase Bank had violated my trust three more times ( within a 24 hour period ) I have now sent them over 20 emails concerning the 12 times that they have declined my card. 
Their response is to reply with a scripted response. They have continually accused me of typing in the wrong CVV number which was impossible in many of the circumstances and simply a lie in the rest of the circumstances. 
Yesterday and today was three more times and this came after their usual scripted response " Your card is in good standing '', " We will try to do better next time '', and " We have elevated this to our fraud department. '' DEAR XXXX PLEASE HELP ME. WHY IS NO ONE LISTENING TO ME? WHY WON'T YOU HELP ME?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called today about having an account that is supposed to fall off in a couple of months removed from my Experian report for early exclusion. I called and spoke to a representative that was kind but unable to help me so I was transferred to XXXX a Supervisor in the Client Dispute Department, who was rude, cut me off multiple times, and was not helpful at all. Now mind you I've had accounts removed for early exclusion before. And, she stated it can be done but it wasn't an option now, so when I asked her when would be the right time she kept stating XX/XX/20. That isn't early exclusion. Even if she told me, hey no guarantees but try XX/XX/XXXX or late, would've been more help. But her constant rude and belittling responses, failure to give me any additional info is appalling. Experian really should spend more time training their staff, especially the supervisors because XXXX was a jerk! 

Not to mention, early exclusion is a thing. Experian is the only credit reporting agency who is still reporting this negative account. XXXX  and XXXX   removed it almost 6 months ago because the account was completely inaccurate. Experian always has the most issues with reporting accurate information. They really should be shut down.
Product: Debt collection

account numberXXXX account balance : {$190.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law. 

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

XXXX XXXX, Resolution POA Specialist, XXXX, extension XXXX, has blocked the account and refuses to allow the member or the Power of Attorney Representative to withdraw any of the funds or transfer the funds. She wants the account closed and the funds to be paid to her. 

She has responded to the XXXX XXXX XXXX that the member may close the account over the phone or in writing but refuses to transfer the funds to another account, release the Power of Attorney. 

XXXX serving XXXX XXXX DC XXXX XXXX Pennsylvania Print To : XXXX XXXX XXXX Subject : Message received from the business about your complaint This message originally read on XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX : Complaint ID XXXX ; Navy Federal Credit Union Dear XXXX XXXX : The company responded to your submission and we are passing it along to you. The contents of this message are below or attached. Please respond to this message in written form within 10 days. 

The text of your complaint may be publicly posted on XXXX Web site ( XXXX reserves the right to not post in accordance with XXXX policy ). Please do not include any personally identifiable information when you tell us about your problem or in your desired outcome. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. XXXX may edit your complaint to protect privacy rights and to remove inappropriate language. 

Sincerely, XXXX XXXX Dispute Resolution Analyst XXXX Phone : XXXX MESSAGE FROM BUSINESS : This is in reference to the follow-up complaint we received on XXXX XX/XX/2019 from the XXXX XXXX XXXX  on behalf of XXXX XXXX XXXX. The complaint was originally assigned an ID number of XXXX. 



We have reviewed XXXX XXXX concerns. Navy Federal reserves the right to decline a Power of Attorney ( POA ) if the document does not meet our standards. Should the Principal choose to close her Navy Federal accounts, she may submit her request in writing if she is unable to do so by visiting a branch or contacting us by telephone. 

If XXXX XXXX has any questions, she may contact XXXX XXXX, XXXX XXXX XXXX, at XXXX, extension XXXX, between XXXX XXXX. and XXXX XXXX., Central time, Monday through Friday.
Product: Debt or credit management

2 months ago they charged me {$1.00} on a CC i dont use anymore, I didnt get any notifications nor expected to be charged. That grew into late payments and ruined my credit score by XXXX points. I called the bank, explained, they apologized and gave me refund on the charges but my credit score is still ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I have been having a problem with an item that appears on my credit credit report for over 2 years now. A Company called XXXX XXXX Is being reported negative about me on my credit report. I had account with them in XX/XX/XXXX To XXXX of XXXX which was paid in full and is reported correctly, However there is another account that was opened XX/XX/XXXX and had become closed and charged off in XX/XX/XXXX with first late payments being reported in XXXX of XXXX. This account the one from XXXX of XXXX is not mine!!! I never had a second account with XXXX XXXX Yet it has been being reported on my 3 major credit reports negativly about me for over 2 years and its not mine and I keep disputing this item I contacted them I was told they moved or switched companies basically I got the run around! I need help because I dispute over and over and over with the 3 credit compaines XXXX XXXX XXXX Experian and month after month same thing nothing happens I get stuck with it on my credit report and I shouldnt have to wait 7 years for something that isnt mine please help me!! I have relatives that Have same exact first and last name as me one who was in prison and lived with me briefly then had his own place he could have used my name not sure but not me please help! As this stupid thing is hurting my chances of bettering my life post divorce with buying a houst getting 18 % interest on a car loan this account isnt mine I paid a XXXX XXXX XXXX for months and they string it along for the money Im to the point where I am ready to give up pls help me??!!!
Product: Credit reporting or other personal consumer reports

I recently disputed XXXXXXXX XXXX  account number XXXX in the amount of {$120.00} dollars through TransUnion. Transunion has came back with account Verified, but in my original complaint I stated that both TransUnion and XXXX has two different dollar amounts stating that I owe for the same account TransUnion is showing {$120.00} and XXXX is showing {$110.00}. very unacceptable and is a violation in accordance to FCRA. I've attached proof of in the CFPB portal. This would be my second time disputing this with TransUnion, I ask for a fair and thorough Investigation. 
Note : TransUnion has a balance of {$120.00} XXXX has a Balance of {$110.00} Pictures of that is in the CFPB Portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the credit bureaus asking them to remove some late payment history from my credit report as the history reflecting on my credit report is causing a negative impact on my scores. The accounts in question is XXXX XXXX with A/C # s XXXX, XXXX and XXXXXXXX XXXX  with A/C # XXXX.
Product: Debt collection

Ive attempted to dispute this account multiple times and they continue to say this is MY debt. I told them someone opened an account in my name and theyre still attempting to collect this debt from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. Account Name XXXX XXXX 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 card or prepaid card

I am writing to you because I am having problem with Capital One Credit Division. On XXXX I received a grocery delivery from Walmart.com and that was the beginning of a nightmare. the amount of the order was {$75.00}, on XXXX this amount was paid in full. I received a bill in XXXX stating that I owed them {$12.00} and that the transaction was {$88.00}, and every since XXXX they have been doubling the amount of this money that they said that I owed them. The last statement that I received was XXXX and the amount is now {$90.00}. 

Capital One has put this lie on my credit report which stared out as {$12.00} is now escalating every month and they have ruined my credit. The being of XXXX I asked Capital One to close my account, I received a letter from them on XXXX stating that the account was closed, but when I check my credit report in XXXX the account hadn't been closed until XXXX. Capital One also lied on my credit report saying that I had had account with them since XXXX and that a lie. On XXXX I received a letter from Walmart stating that ownership of my account will be transfer from XXXX XXXX to Capital One, and I have statement from both Walmart and Capital one.
Product: Credit reporting or other personal consumer reports

Two separate mortgage lenders have tried pulling my credit reports, they have no problem pulling 2 but EQUIFAX credit report will not pull. There is no freeze or fraud alert however they told me to send in documents to verify my identity, I have done this three times now and I still can not access my credit report. No one seems to be able to help me on the phone and I need it resolved asap so I can close on a home.