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

I have incorrect information on my credit file as a result of identity theft : XXXX NEGATIVE ACCOUNTS : COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$280.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$280.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$150.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$960.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XX/XX/XXXX {$760.00} EQUIFAX NEGATIVE ACCOUNTS : - XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} COLLECTIONS : - XXXX XX/XX/XXXX {$1400.00} - None provided - XXXX XX/XX/XXXX {$1400.00} - None provided - XXXX XX/XX/XXXX {$960.00} - None provided - XXXX XX/XX/XXXX {$110.00} - None provided - XXXX XX/XX/XXXX {$180.00} - None provided - XXXX XX/XX/XXXX {$350.00} - None provided - XXXX XX/XX/XXXX {$220.00} - None provided - XXXX XX/XX/XXXX {$150.00} - None provided - XXXX XX/XX/XXXX {$220.00} - None provided - XXXX XX/XX/XXXX {$280.00} - None provided - XXXX XX/XX/XXXX {$220.00} - None provided - XXXX XX/XX/XXXX {$280.00} INQUIRIES : - XXXX XXXX XX/XX/XXXX XXXX COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$280.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$150.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P XXXX XX/XX/XXXX {$280.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$960.00} - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Debt collection

Coast Professional calls my cell ~twice a day and recently they called my office - speaking to 2 colleagues of mine prior to me. I have written them asking to no longer be contacted, but they call while I am at work every day when I can not take personal calls. Calling my office is aggressive.
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 XXXX XXXX XXXX XXXX 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 has violated my rights XXXX Or a list of inquiries : 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

XXXX XXXX XXXX Account XXXX says I have 2 missed payments on my credit report. I have disputed this with the credit bereau and it still remains. I have spoke to the manager at XXXX and he says he do not see any late payments in his system and dont know why it's on my credit report. He is the one that said I should file a dispute and he explained the false report would be removed. After investigation it still remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXDept Of Ed Account # XXXX XXXX XXXX XXXX  Account # 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 604A. 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

My only address : XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Not my addresses : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

I noticed this month on my credit report that there was a XXXX credit card open towards the end of XXXX and that there has been a balance due every month. I dont shop at Macys and have not open a XXXX  card ever. Its negatively affecting my credit score. I have reported with Macys directly, they instructed me to also report here
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX Account # XXXX and ( WFBNA XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX and ( WFBNA XXXX  ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sequoia financial services ( aka XXXX XXXX ) They had fraudulently changed the balance owed on my account and its putting my credit report in financial distress. Ive written letters got in touch with both companies as well as XXXX and its a whos who when it comes to the course of action. They blame the credit bureau the credit bureau blames the company : In short sequoia reports the amount as {$450.00} then changes it to {$450.00} the following month then back up to {$450.00} the month after it continues on this pattern which hurts my credit score. Its inaccurate and fraudulent and needs to be removed from my account immediately.
Product: Credit card or prepaid card

Nothing but a being resolved this bank is being very incompetent they are half investigating my claims this isnt ok I should have been protected but I want now Im in the hole for someone elses transactions under my account something needs to be done because eventually Im going to sue this bank for ignoring and letting thiefs steal valued customers money this isnt right none is listening taxes are coming in months later then they still half investigated my claims I didnt make t hun de transactions and I want my money everytime they deny me every interaction I have with then is being documented I have 2 years of negligence from this bank I XXXX is next week what is XXXX by with your people devils fix my account this isnt going away u we will continue this back and forth until its resolved
Product: Credit reporting

I called to get information about a business security system. I asked for the information to be sent to my email so I could use comparison to other systems. I gave my name, my girlfriends name and the location of where I wanted this to be installed. I spoke with XXXX XXXX XXXX XXXX ex # XXXX and we were on a recorded line, where I was never asked nor gave the permission to do anything with my credit. I told him I would call back. The next day around XXXX my phone notified me that I had a change in my credit report. I took a glance and noticed XXXX XXXX XXXX and AUTOMATION had done a hard credit report without my permission. As well as my girlfriends report had been jeopardized from this the same time. I started the morning of XX/XX/XXXX to call and find out what happened. I spoke with many people and was given an email from XXXX XXXX XXXX XXXX or XXXX or XXXXXXXXXXXX saying " we are submitting request to the credit bureaus to have inquiry removed " ( XX/XX/XXXX - almost a YEAR AGO ). And he said he would let me know when it 's removed. Well I have spoke many hours with numerous people at XXXX about this and no one will do anything. I have emails from XX/XX/XXXX and also XX/XX/XXXX about this and letters they supposeibly sent to get this removed, phone records, voicemails about this and no one at XXXX HAS TRIED or attempted to get these illegal inquires removed. It has almost been a year and has been effecting both credit scores of us. I have done all I can to complete this. Contacted all XXXX credit bureaus and have gotten no where. Please help
Product: Credit reporting

XXXX and XXXX are both reporting mortgages on my account that I 've never had with them. The interesting things is that they are both writing off this debt in XXXX different subsidiary names. I have written to XXXX and XXXX regarding this but it was not removed so now I write to credit agencies.
Product: Checking or savings account

Chase closed my account on XX/XX/year>, without informing me. When reaching out to understand why the account was closed, I was informed that there is no reason and they will not be able to tell me why. One person stated that they never tell anyone so you may never know why your account was closed. I currently have funds sitting in my account and was informed that I wont receive my money until XXXXXXXX XXXX XXXX XXXX. I received a letter on the mobile site on XX/XX/year> telling me to contact Chase in order to give information they may need in order to stop the close on my account, the letter was false information because they already made the decision to close the account. If any information was needed the letter should of been sent out before the closing of the account so I can inform them that everything in my account is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX Dept of Ed/XXXX  : XXXX, Dept of Ed/XXXX  : XXXX, XXXX  : XXXX, XXXX 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, 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 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 an 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. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Account Information - XXXX XXXX, Account Number : XXXX Dear CONSUMER FINANCIAL PROTECTION BUREAU XXXX I am writing to formally dispute the information on my credit report regarding the XXXX XXXX  account, Account Number : XXXX. After reviewing my credit reports from TransUnion and XXXX, I have identified several discrepancies that require your urgent attention. 

XXXX. **Account Type Discrepancy : ** - TransUnion XXXX the account as a " Flexible spending credit card. '' - XXXX reports the account as a " Credit Card. '' This inconsistency raises concerns about the accuracy of the information reported by XXXX XXXX, and it is crucial to clarify the correct account type. 

XXXX. **Date Opened Discrepancy : ** - TransUnion XXXX the date opened as XX/XX/XXXX. 
- XXXX reports the date opened as XX/XX/XXXX. 
-THE ACCOUTN IS MISSING FROM THE XXXX REPORT The conflicting dates of when the account was opened indicate a lack of uniformity in reporting, which is essential for maintaining the integrity of credit reports. 

XXXX. **Payment Status Discrepancy : ** - TransUnion XXXX the account as " Late 120 Days. '' - XXXX reports the account as " Late 150 Days. '' XXXXTHE ACCOUTN IS MISSING FROM THE XXXX REPORT The differing late payment statuses on the same account for both credit bureaus create confusion and could have a significant impact on my XXXX XXXX. 

XXXX. **Date of Last Activity Discrepancy : ** - TransUnion reports the date of last activity as XX/XX/XXXX. 
- XXXX reports the date of last activity as XX/XX/XXXX. 
-THE ACCOUTN IS MISSING FROM THE XXXX REPORT The inconsistency in the reported date of the last activity on the account further raises questions about the accuracy of the information. 

Considering these discrepancies, I request a thorough investigation into the accuracy of the XXXX XXXX  account information. I kindly ask that you update or delete the information form TransUnion accordingly. 

I appreciate your prompt attention to this matter and look forward to receiving an update on the investigation within the required time frame. 

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

This issue has impacted me from making significant purchases for my family. Under the Fair Credit Act 15. USC and 1681, there should not be any damage to my report, which is defamation of my character. It has significantly affected reputation and character.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$15000.00} ), XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$120.00} ), XXXXXXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$120.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$180.00} ), XXXX  ( Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1200.00} ), XXXX XXXX  ( Account # XXXX, Date Opened : XX/XX/XXXX, High Credit : {$72000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several attempts to get this account deleted and removed from my credit report. On XX/XX/XXXX and again on XX/XX/XXXX I again was notified by XXXX XXXX and Credit bureaus had verified the account. I obtained a vehicle loan XXXX and paid it in full and it was closed as per the report in XXXX. I have requested all documents on this account and it was not produced in over 60 days to verify this account. The first delinquency was XX/XX/XXXX and since this account is paid and closed I have asked that it be deleted and removed completely from my credit report being that it is outdated and the company did not respond with the asked for information in the time allowed. I had spoken with a customer service rep that stated he would fill out the form for deletion of the account required and that it would be removed from my credit reports This has not happened, some are still reporting payments from the day I opened this account.
Product: Debt collection

My identity was stolen and I noticed back in XXXX I obtained a police report when I started noticing fraudulent accounts on my credit report XXXX  being one of them. I obtained a police report on XXXX and submitted it directly to XXXX  because they kept saying the debt was mine even though the address they had was not my address or any of the info they had was mine. The only info they had was my social security. After I disputed with the credit bureaus for months it was wiped from my credit report and the debt was removed. Now XXXX has sold this deb to halsted and they are sending me harassing text and emails multiple times daily to pay and this so showing up on my credit report again under collections as of XX/XX/XXXX and impacting my credit score once again. I want to report this fraudulent information. I want this removed from my credit report. I want this company to stop harassing me and I want this fixed
Product: Mortgage

I have been working in getting a loan modification for over a year with Bay view. Going back and forth on getting documents to them with no responses from the Specialist they say are designated to my file. Recently, they asked for a documents ( a P & L ) which was provided to them within hours. I called to confirm receipt with the Asset Manager XXXX XXXX and unfortunately he was not available. Another Rude Representative within his department XXXX XXXX, took the call. When i asked whether they had received the document she said i had to speak with XXXX XXXX and rudely and adamantly advised that i was wasting my time and the sale date of XXXX/XXXX/17 would not be stopped. When i asked her why, she just went on to say that because we provided the documents were provide 7 days prior to a sale date.. She even verified in her system that the documents were requested on XXXX/XXXX/17 and they were provided the same day. How can they do such a thing and pull my home from under me in that way? Request documents and then say no we cant help you? I need your help! I have a sale date approaching XXXX/XXXX/17 next week Wednesday.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX, Account Name : XXXXXXXX XXXX/Account # XXXX, Account Name : XXXX /Account # XXXX, Account Name : XXXX XXXX XXXX XXXX/ Account # XXXX, Account Name : XXXX XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Student loan

This complaint is regarding XXXX. In XX/XX/XXXX, I observed several discrepancies regarding payment counts on my student loans. The payment count is very important, since I am doing the PSLF loan forgiveness program, which requires a total count of 120 payments. There are several discrepancies including : ( 1 ) I believe that the total count overall is too low, ( 2 ) the count for subsidized vs unsubsidized loans differs even though both are paid at the time time via direct deposit, and ( 3 ) I was apparently put into Paid-Ahead status against my will and XXXX is now claiming that those payments do not count, despite my asking that Paid-Ahead status be removed and my payments be recounted. 

In XX/XX/XXXX, I formally requested a formal Payment Recount through XXXX XXXX. By XX/XX/XXXX, that recount had still not been completed. I sent a request in XX/XX/XXXX again asking that the recount be performed. In XXXX of XXXX, I received the following message from XXXX,  stating that they are " not yet able '' to provide me with the total number of qualifying payments. 

Transcript is below : -- -- - " Thank you for contacting XXXX   XXXX! 


We apologize for not yet being able to provide you with the number of qualifying payments made toward Public Service Loan Forgiveness ( PSLF ). Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. 


We will notify you via letter once the review has been completed. 


Please use the " Contact Us '' link through your online account at XXXX  to submit inquiries via a secure email form. You may also call us toll-free at XXXX to reach our Customer Service Department, which is open Monday through Friday, XXXX XXXX - XXXX XXXX ( ET ). 



Sincerely, XXXX XXXX XXXX >> Original Message ... 

>> Message : Hello, >> >> >> I formally requested a recount of my PSLF payments back in XX/XX/XXXX. It is now XX/XX/XXXX, and I still have not received that recount. Of note, the main concern is that I was put into Paid Ahead Status, and that it was not my INTENT to be in Paid Ahead Status, and this has thrown off my payment counts. 
>> >> >> Could you kindly respond and let me know when I can expect to have my PSLF payment recount completed? 
>> >> >> Many thanks, >> ''
Product: Credit card or prepaid card

I book hotel through XXXX for XX/XX/2018 check in XX/XX/2018 check-out one night. 

Itinerary # XXXX Confirmation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX United States of America Problem starts at check in i did wait 3.5 hours to to get to check in desk as soon i aproach desk person working there inform me that they do not have any rooms left. 
So i did protest and after 30min they find room for me it was allready XXXX when i get that room. 
So i did call XXXX to refund me because service is not rendered in timely manner they refuse it, so i did call my chase credit card they refuse to help also. 
Hotel charges was for {$250.00} USXXXX