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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX : Account Number ( XXXX ) XXXX. XXXX XXXX : Account Number ( XXXX ) XXXX. XXXX XXXX : Account Number ( XXXX ) XXXX. XXXX : Account Number ( XXXX ) XXXX. XXXX : Account Number ( XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Title : Affidavit of truth 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expending the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, XXXX XXXX and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Navient is in violation of 15 USC 1692e ( 11 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that Navient is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that Navient is in violation of 15 USC 1692h
Product: Credit card or prepaid card

Bank of America offers credit card pre-approval at the following website https : XXXX This is actually a fake pre-approval as erroneous information can be entered and it will still recommend you apply for cards. They do not actually do an inquiry of any kind. 

I've contacted Bank of America on this, requesting that they remove two previous inquiries done on my credit report, based on the fact that this is a fake pre-qualification, as I thought I would have a good chance of being approved because of this fake pre-qualification. I did this through the XXXX XXXX XXXX  and Bank of America sent me a letter back saying that the inquiries are going to stay on my report. 

I don't think it is right that Bank of America pretends to do a soft inquiry on your credit report and suggests you apply for credit cards when in fact they are actually doing nothing. For folks such as myself who are trying to improve their credit scores this is harmful. If I had to guess I would say it is cheaper for Bank of America to not do a soft inquiry on your credit report and simply have everyone apply instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Miles Card transferred my " Miles Points '' ( last seen on XXXX XXXX statement ) into a credit ( showing on XX/XX/XXXX statement ) without informing me of this transfer. I had accrued XXXX miles-points ; I don't know date I opened the Miles card because the Rep. told me they had no record of my start date. They gave me a money-credit for the miles I had accrued, of {$570.00}. I would have received full market value for points if I'd been able to use my points ( like I had wanted to do ) for actual airline travel. I could have bought a very expensive airline ticket with the XXXX miles, certainly worth more than {$570.00}. That's why I had been saving up my miles-points. Now I have only {$570.00}. They didn't tell me they were doing this. I simply saw a credit on my statement, and my miles-points had disappeared. ( One representative named XXXX in XXXX told me I should get XXXX x 2, so XXXX based on Discover 's system of : every XXXX miles equalled {$100.00}. ) Spoke with another Rep. who explained the correct credit was {$570.00}. I spoke w/ another Rep. XXXX, who said they couldn't change problem, that Discover had changed how they deal with Miles in XXXX & due to inactivity (? ) they credited my account for a lesser value than real travel would buy. They didn't tell me that. The Rep ( XX/XX/XXXX ) said I couldn't get my miles back, which is what I want. I'd been saving for many years. They said they sent me a check. I didn't receive a check. Going through my statements again, I see the credit has been missing for about a year. I spoke w/ a Rep. today ( XX/XX/XXXX ) & asked where my credit was. It was there on the XX/XX/XXXX statement & missing thereafter. Today after my call, they reinstated my credit. ( *Please note, I did change my Miles Card to the Discover it card after all this happened, XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Montgomery ward will not take my payment I have made numerous attempts to pay and they are destroying my credit refusing to admit that is was due to system failure on making the payment
Product: Checking or savings account

I opened a new account with Discover since they had a decent interest rate and sign on bonus. 

I made a transfer ( ACH ) from my existing credit union account ( XXXX ) for XXXX and discover received it - several days later I transferred XXXX out to put into another savings account. Ever since the account has been locked I canno ADD nor REMOVE any money from the account. 

I did receive a notice to contact their fraud department which has proven useless. I have called 22 times now and been on hold for up to 3 hours on several occasions. 

I just want my XXXX ( and interest/bonus ) back at this point. I will close this account and my CC account with them as soon as I can get this money returned to me. 

Very scary not being able to access money - GLAD it is not an an emergency need right not I am out XXXX dollars. 

I found online that this apparently is a common occurrence right now- they are doing it to multiple people AND no one answers their phone line.
Product: Mortgage

New information based on CFPB, XXXX, we sent out a debt validation letter on this property with loan number ending XXXX. This is the information they sent back. 
The debt was not validated and they are collecting the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XX/XX/XXXXXXXX  Via Certified Mail Equifax Information Services, LLC. 
XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX : Inaccurate Residential Address Listings - Equifax Willful Noncompliance to Correct Issue To Whom It May Concern : On Thursday, XXXX XXXX, XXXX, delivered to your office was my initial certified plea to remove the incorrect residential addresses that appear on my Equifax ( EQ ) credit report. Yet, concerning I never received a Notice of Results of Reinvestigation. Consequently, on Thursday, XXXX XXXX, XXXX, you received a second appeal asking that the inaccuracies be corrected. And, appropriately the response dated XXXX XXXX, XXXX, reflected that 6 out of the initial 10 listings had been expunged. 

However, upon reviewing my XXXX XXXX, XXXX, EQ consumer history, there are once again 10 erroneous entries, of which six ( 6 ) have the same XX/XX/XXXX, Date Reported ; which is noticeably wrong, as I couldnt have lived in 6 different places at the same time. 

Therefore, because this is my third ( 3rd ) correspondence asking that you uphold your legal obligation under the Fair Credit Reporting Act ( FCRA ) to report complete, and accurate information, I have also escalated this matter to the respective agencies that appear in the CC portion of this letter. 

Hence, to reiterate, as noted on the enclosed infile pages, ALL mentions that are labeled INCORRECT are misstatements, as I NEVER LIVED AT ANY OF THESE ADDRESSES ; and per the FCRA should be deleted. 

Finally, failure to provide such validation may abridge such rights. However, erasing the highly questionable credit bureau reporting, and furnishing me with a corrected consumer file, as a result of the reinvestigation4 will be acceptable in lieu of further legal action. 

In conclusion, I want to thank you once again, in advance for upholding the letter and spirit of applicable statutes.
Product: Mortgage

My lender ( American Pacific Mortgage ) has been dragging their feet since I requested our PMI to be removed. House prices have gone up in my area, along with us doing some renovations to our home. I had to call them to check on the status 3 times before they even sent out a letter asking for the list of home improvements and a check for a new appraisal. In the previous 2 calls, they said the letter would be sent out, which was a complete lie since it was not even sent out yet the 3rd time I called. All the calls were a couple of weeks apart so they wasted a bunch of my time. After receiving the letter from them and then sending back the required items, I have not heard back for a month. I called them to see whats going on, in which they responded that they have not received anything and can not check with their appraisers. They are literally dragging their feet and stealing peoples money. I had a friend who removed his PMI seamlessly with another lender so Im not sure why my lender is giving me such a hard time. Please investigate this company and take appropriate action. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention some discrepancies I have identified on my credit report. 

Upon reviewing my report, I noticed inaccuracies related to late payments. These entries are incorrect and are negatively impacting my credit profile. 

I kindly request that you take the necessary steps to rectify these errors promptly. Please correct, modify, or delete the inaccurate late payments from my credit report. 

Below, I have provided details of the discrepancies : ================ XXXXXXXX XXXX  Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late ============ KOHLS/CAPONE, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late ============== XXXX XXXX, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late ================ XXXX XXXX, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I had a car loan through XXXX XXXX XXXX XXXX. The car was return back to the lender 2 years ago and I recieved a check because they SOLD MY CAR. They took my car from my parking spot 2 YEARS ago. It was paid for after being sold and was removed. 

After looking at my credit documents on ALL 3 bureaus, they are still reporting this CARD AS LATE PAYMENTS, ITS CURRENTLY STILL OPEN AND REPORTED. I do not have possession of this automobile. 

Because if this, this is a additional reason I cant not get an apartment, credit or anything because its showing I owe a car company who not only took the car but sold it as well.

The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits what debt collectors can do when attempting to collect certain types of debt. The federal Fair Credit Reporting Act ( FCRA ) covers how debts are reported in credit reports. In addition, there are state laws that provide protections against unfair and deceptive practices.

The ruling interpreted 1692e of the FDCPA, which prohibits debt collectors from using any false, deceptive, or misleading representations or means in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into the XXXXXXXX XXXX XXXX store in XX/XX/2019 and applied for an installment loan related to a product I had purchased. I had the supervisor and what appeared to be a new employee both fill out and application for me and I was given no information about the loan before I left just that it was accepted and the product would be delivered by the end of the week. A month goes past and I begin to receive phone calls/texts that my account was in default although I had never received any information via phone or via mail about my account number/first payment. I was able to contact a customer representative who opened a new account for me and provided me with all my information as she stated the initial account contract was written incorrectly. Since then I have paid off the correct second account, but the initial account that was written incorrectly and should have been closed per the customer representative was never closed and I continued to be harassed for payments. Every phone call I have had with them was one where I had to reexplain the situation and they would proceed to review the report and see that a no call status was on my profile, but I continued to receive call requesting payment. Since then I have also been charged extra for the account that I did pay off and was closed. My credit report/score has had incorrect information on it and been lowered due to this information. I am able to provide additional dates as well as chat logs/phone logs of when I contacted/was contacted by the company.
Product: Credit card or prepaid card

THE CREDIT CARD COMPANY DICOVER CARD, IS CHARGING ME FOR AN AIR TICKET, THAT THE AIRLINE CANCELED, I HAVE SENT YOU PROOF THAT IT DOES NOT ACCEPT ANY VOUCHER, SEND YOU A NOTIFICATION FROM THE XXXX XXXXXXXX XXXX WHERE IT SAYS THAT A TICKET TICKET SAYS US, DIRECTLY WITH THE AIRLINE, I HAVE THE RIGHT TO A FULL REFUND AND THEY DO NOT WANT TO DO THAT ALSO THEY WANT TO REPORT ME LATE PAYMENTS FROM THE CARD BECAUSE I HAVE NOT MADE ANY PAYMENT CORRESPONDING TO THAT TICKET THAT WAS CANCELED
Product: Checking or savings account

On XX/XX/2024 I transferred {$15000.00} to a business to purchase a territory and be able to install a coating that gets applied to vehicles. After receiving this coating it did not do what the company told me it would do. they claimed it could be applied and it would " level out '' and it doesn't it looks very chunky and the applicator lines can be seen all over the vehicle. I asked to get out and they got upset and told me that it's my fault and that I was going to receive a cancelation form and that I couldn't get my money back. I completely got scammed. I have pictures, evidence and even testimonials of people who have received this coating by other shops and claim every I say to be true.
Product: Credit reporting

I asked for a XXXX, XXXX, be removed as it is too old, from 2006, and the credit agency just added " new '' information that was already there. I want this removed as it has been 10 years! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a fraudulent account with XXXX and SYNCB/TJX COS several times. Each time, the dispute results in the account being removed from my credit report. Soon after, the account returns to my credit report, further damaging my credit score. I have spoken with agents and have been told the account was " never removed '' despite having considerable evidence that this account has been deleted each time. 

Since said account has been reported as fraud, I am not responsible for the unauthorized charges and continue to be held responsible. This is evident in my continuously plummeting credit score.

Not only is re-adding this account to my report wrong, but according to the Fair Reporting Credit Act, I should have been notified within three days each time this was added back onto my report and I was not notified a single time.
Product: Money transfer, virtual currency, or money service

Dear Sirs : I am writing to you to ask for your help. I am a victim of a fraudulent hack. I managed to get it all resolved but for XXXX of XXXX transactions on PayPal. As you may know, it is impossible for a regular consumer to get through to a higher up when trying to get resolution. I have submitted my claim twice and twice denied. 
I have been a customer of PayPal for 20 years, nearly since its inception, without incident. With so many data breaches around the world, I became a victim. On XX/XX/XXXX, I saw unauthorized transactions on my bank to PayPal. After alerting my bank, I called PayPal. First call : dont worry, we hold on to the money, your bank will contact us nope. Second call 2 days later : oh, you have to open up a claim. I itemized the fraudulent charges and carefully indicated authorized charges. Both authorized and unauthorized charges were put on claims, didnt listen to me. Third call : I had them correct the claims. Fourth call : charges denied, refile them. Fifth call : charges denied again. By now, the money is long gone. PayPal has done nothing to protect me from fraud and being hacked. They dropped the ball continually with their out of country poorly trained customer service. I also believe their review systems are unsophisticated and do the most cursory reviews. Hackers are much smarter that PayPal. The charge is a payment to XXXX XXXX in the amount of {$990.00}. Transaction number XXXX. Please help me to process this fraudulent charge to get it reversed. Thank you so much.
Product: Credit card

American Express sent me an invitation to apply for a XXXX charge card that included an inducement of XXXX Membership Rewards points if I applied by a certain date last XXXX. When I called in ( timely ) to apply, the representative opened the offer on his screen but at some point his system froze. He had to transfer me to another agent who regretfully informed me that after the offer is " opened '' on a system, it can not be opened on another system. AMEX then tried to pull a bait-and-switch on me in order to get me to apply for the same card with the same fee but this time with only XXXX Membership Rewards points. Despite calling several times to rectify the problem and having solid documentation, AMEX has been unable to do the right thing.
Product: Credit reporting or other personal consumer reports

Equifax is actively reporting multiple collections of the same medical debt. Different collection agencies but historically the same debt. I have disputed that they are the same debt and no correction. Also this debt is from XXXX so should be time barred and equifax is actively reporting this debt as new and within the seven years. In fact this debt is old. My disputes are not working and they continue to update as new.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

I have reach out to these oeople an the credit Agency and not happening.Ive had my identity stole.This has cause my life an credit to not succeed.please take action.This are not me.I live in XXXX Florida. <P/>XXXX XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XX/XX/XXXX These companies after serveral letters they keep restarting the collection.that not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

my daughter opened up a fraudulent account in my name with my falsfa number and now it says i owe a loan that i never had she said she attended the school which is for XXXX clearly not me similar name but two different people