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

I am filling this complaint because I am tired. I have been fighting for errors and inaccuracies on my Equifax credit report for a while, but things becomes more difficult for me because I can't get approved for any credit application. I did online dispute, phone dispute even sending letters, but nothing. On XX/XX/2020, I decided to send them a series of letter about misinformation and negative items theywerereporting. They replied on XX/XX/XXXX and all inaccuracies were deleted. Two weeks after everything ( positive account ) on my credit profile was gone. I was in shock, I called immediately to let them know about what happened. Unfortunately, the guy over phone told that he was not able to locate my file and he stated there's discrepancies on my credit report, but he couldn't help me. My credit score was seriously damaged because of this issue. I have filed Bankruptcy or have a jugement on my credit report to deserve this. I called again and again trying to fix this matter, but my calls were unsuccessful until I find a gentleman who told me that my credit report contains a big discrepancy, he advised me to write a statement including my personal information, ID with currentaddress, SOCIAL SECURITY NUMBER for them to be able to help me resolve the problem. On XX/XX/XXXX I submitted my dispute including my personal information and on XX/XX/XXXX they replied stating that they were unable to locate a credit file in their database with the identification information I provided to them. In order to further assist me, they need additional documents to verify my identification. I sent them my full name, DOB, SSN CARD, ID with current address and my previous addresses up to 5 years. Until today I'm not able to get a copy of my free annual credit report. My fico score is low XXXX with no positive account and instead they putted back all inaccurate accounts they have deleted a few weeks before. I can't get approved for any credit application right now. It's so frustrating this situation. I really need help!
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 XXXX  with account number displayed as XXXX on my Trans Union report, shown as XXXX on my XXXX report, and alleged as XXXX on my XXXX report. 

Account name : XXXX XXXX  with account number displayed as XXXX on my Trans Union report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXXXXXX XXXX with account number displayed as XXXX on my Trans Union report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXX XXXX with account number displayed as XXXX on my Trans Union report, shown as XXXX XXXX XXXX * * on my XXXX report, and alleged as XXXX XXXX XXXX * * on my XXXX report. 

Account name : XXXX with account number displayed as XXXX on my Trans Union report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXX with account number displayed as XXXX on my Trans Union report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report 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: Credit reporting or other personal consumer reports

I provided the listed companies with proof of my signature to verfiy that I did not endorse the instrument and they have not removed the listed accounts from my credit report. 
I am writing you concerning my credit file with your company. I have obvious fraud on my credit report. There is another social security number showing on my credit ending in XXXX that does not belong to me. I am requesting that you honor Section 605B ( c ) ( 3 ) ( A ) of Fair Credit Reporting Act and the Blocking of my credit file. It is obvious that you guys have my information mixed up. I have a Right to Consumer Right to Privacy according to 15 U.S. Code 1681 a ( 4 ).

15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mines, which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. 
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can\'t actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.

15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDNT DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer right have been violated, and I have been taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get me credit reports from my annual credit. I was able to get XXXX  but i was not able to get Equifax or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 was the last time I communicated with XXXX XXXX. In the referred document you will see that they said I did not get approved for the loan but when I looked in the XXXX data base it showed that my company currently had loan for the amount of XXXX, XXXX which we never received. I've tried to reach out to the company and all that I was able to receive was a generated message. I emailed OIGHotline@sba.gov on XXXX & XXXX of 2021 and the XXXX of XXXX of XXXX, the IRS, my local XXXX and XXXX  and no one was able to help me.
Product: Checking or savings account

On XX/XX/year> I deposited a check in Chase Bank in the amount of {$2400.00}. Shortly thereafter, this account was closed and {$100.00} in funds was returned to me. However, the funds for the {$2400.00} check was not returned to me and was suspended. 

When I called to inquire, the reason they provided was that the phone number on the check did not match their phone records of this person. 

I called the owner of this check and asked him to call his phone company to link his name to his phone number. 

He did. 

I called the bank again, but they claimed the issue was not resolved. 

I asked, if I go down with the owner of this check, along with his ID, to a local bank branch, will they honor his identity? 

They said no. 

There is nothing more on my end that I can do to retrieve my money owed to me.
Product: Mortgage

Judgement was filed XX/XX/XXXX stating that my loan was in default as of XX/XX/XXXX. Rushmore states that the loan was in default as of XX/XX/XXXX. I entered in to 4 different modification plans I made the payments for the modifications. Despite repeated requests from the 4 Services the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and of the referee to verify the balance due I never received anything. I sent over 23 letters requesting an account verification of payments and of the amount due. In the Judgement it states the balance is {$120000.00} with a default date of XX/XX/XXXX. All the legal documents and the affirmations state the amount due as of XX/XX/XXXX is {$120000.00} and that it is accurate by penalty of perjury. accurate. They also feel that they do NOT have to give an acccounting of the payments because I had a Bankruptcy discharge and do not owe the money. 
This is yet again another example of how poorly they keep records and how inaccurate their information is. First I supposedly had the debt discharged in XXXX of XXXX and again in XXXX of XXXX. I NEVER HAD A BANKRUPTCY DISCHARGE the bankruptcy case I filed was DISMISSED NOT DISCHARGED perhaps they should have better training to understand the difference. Up until recently, I could not verify any payments because what I was repeatedly sent was so small no one could read it. They admit receiving one payment, yet I have provided a copy of a check for {$2500.00} for payment on the modification. I have sent copies of electronic withdrawals from my bank account for the payments that are CLEARLY REFLECTED AS CASH PAYMENTS ON THE LEDGER. Yet they still claim no payments were received. A CANCELLED CHECK IS INCLUDED AGAIN FOR 2 OF THE PAYMENTS But they will IGNORE IT and say I have no proof despite the funds for all payments clearly shown going to my loan from my bank. PURE DISCRIMINATION AND FRAUD
Product: Credit reporting or other personal consumer reports

I was denied opening an account with 2 Banks after settling with XXXX. XXXX. XXXX agreed to remove the collection on my bank history once the balance was paid. I spoke to XXXX XXXX at XXXXXXXX XXXX the parent bank of XXXX on several occasions. She was aware of my denial and ageed to remove the collection once that collection was paid. I was very clear about removing the collection because XXXX XXXX XXXX XXXX told me my application was denied due to the collectiom. I recently went to XXXX XXXX  in XXXX XXXX and was denied being added to my wifes account. This is not the agreement we made and there is no reason for not removing the collection. Especially disappointing since I'm an account holder with XXXX XXXX XXXX XXXX  another XXXX XXXX Pls demand this collection be removed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX/XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX}
Product: Credit card or prepaid card

I brought a plane ticket, but I got sick. So, I called to cancel my plane ticket. XXXX offer me future credit, but I would just like my money refunded.
Product: Debt collection

I had small balance due to XXXX XXXX XXXX ma from procedure medicare did not completely cover i had set up payment schedule with thwm XXXX XXXX  month which i was paying sometimes week later than date they set but consistentally paying few times {$20.00} due to other payments due other places but never stopped paying before i knew it they turned it over to collection agancy for no valid reason i started paying them with no missed payments and they started calling me on phone wanting full payment of {$43.00} paying them XXXX XXXX month wasnt good enough as planned whole process of being turned over to debt collection was totally unnecessary and to me is form of harrassment by medical agency and further by debt collector not wanting to settle for last few payments deciding to harrass on phone
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

Account ( XXXX XXXX XXXX ) According to 15.USC 1681i ( 1 ) the Credit bureaus have to modify or delete accounts that are nor reported accurately According to 15 1681 ( 1 ) the Credit bureaus don't have no written permission According to 15 USC1681s-2A a person shall not furnish any information relating to a customer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person should not furnish relating to a consumer to any consumer reporting agency If- The person has been notified by the consumer, at the address specified by the person for such notice that specific information is inaccurate. 

I can go on and on The Credit bureaus no respect for laws. 
Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX originally reported me to the credit bureau TRANSUNION in XXXX At some point XXXX XXXX XXXX XXXX sold the account to XXXX XXXX who reported an open date as XXXX I recently reviewed my credit report and it shows XXXX XXXX XXXX XXXX is now reporting the account with the same open date that XXXX XXXX was reporting XXXX XXXX XXXX XXXX XXXX has re aged this account and is in violation
Product: Credit reporting or other personal consumer reports

I have reach out to the company stating that this account is fraud
Product: Student loan

I submitted my school misconduct forms for my private student loans to Navient on XX/XX/XXXX. On XX/XX/XXXX I received an electronic communication that my application was denied, no reason listed. I attended XXXX XXXX in XXXX - XXXX the school defrauded me by falsifying claims about jobs I would secure after graduation, salary I would make, my credits earned at XXXX would transfer to any college, no allowing me to review my loan paperwork only pressured me to sign my paperwork or I wouldnt be allowed to attend school. My case was proven in the federal borrowers defense case and my federal loans were forgiven. Navient refuses to state why my school misconduct request was denied, I have proven I was defrauded by XXXX XXXX, I also submitted the paper from the federal case that proved I was defrauded and my federal loans which were also serviced by Navient were forgiven. Navient refuses to give me any details about my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am new to united states and last year in XX/XX/XXXX I was assigned with my residency, work authorization and social security cards. I was educated as I have to built my credit I always stayed very low and alert on credit applications. I had a credit card issued by my spouse as a shared card initially so I can start my credit reporting but unfortunately that did not help. Hence I applied with XXXX & XXXX ( XXXX & XXXX XXXX ) credit cards as they assist with low limits unsecured and report to all credit bureaus. I was approved and started using the cards and making on-time payments. Also XXXX XXXX and XXXX XXXX offered me unsecured credit cards and I accepted them. 
Since then I had been trying to access my credit reports on -line with these bureaus ( XXXX / XXXX & Experian ), they always stated that they were unable to verify my identity as I am very new. Never received any supportive assistance. 
Then i registered with XXXX XXXX / XXXX XXXX & XXXX XXXX so that i can keep checking where i was with my credit score. 
Suddenly i started receiving credit alerts from card companies, personal loan companies & auto finance companies. These alerts were hard inquiries on my report without my authorization. 
So i called XXXX / Experian & XXXX and i asked them to do something about it, again the response was very lame from all the three organizations because they were not able to verify me due to new social security number. Hence i asked them to place a security freeze on my file which i read on the annual credit reporting website. 
The dilemma still did not stop as several inquires were initiated and i kept on getting alerts for the same and finally my score kept going down. 
I raised several disputes with XXXX as XXXX XXXX Experian always said that they can not verify any information for me. 
I seek your assistance for the same as this is affecting my current situation as now i am full time employed with a reputed XXXX institution as a XXXX XXXX and am looking to get a Auto - Loan and i do n't want any such discrepancies affect my purchasing power. 
I have somehow experienced identity Theft too as i keep on receiving several calls from Auto Loan collections agencies asking installment amount on my XXXX XXXX XXXX / Student loan payment. I do n't have any such credits and these calls keep on asking for money. 
I seek your assistance to resolve the same as i tried my best but had no response. Probably if this goes from your organization i am sure they would all wake up and start working on my request and save me from the Fraud inquires.
Product: Credit reporting or other personal consumer reports

I have contacted Transunion, spoke to several people, sent letters to/at Transunion. Please update my name on my credit report asap. One of my creditors reported my last name incorrectly. I need it updated as soon as possible.
Product: Debt collection

XXXXXXXX XXXX XXXX claims that I owe them {$110.00} for insurance policy. The policy was canceled before it was renewed. They are trying to scam me and make money off of me. It was canceled I believe in XXXX of XXXX. On XX/XX/XXXX I received a letter from a collection agency that I have nothing to do with asking me to pay {$110.00}. I dont recognize this debt, furthermore on XX/XX/XXXX I received SMS from this collection agency Credit collection services telling me that I owe them money and their contact information. I texted them back there was no response. I dont want to be contacted and harassed by them. Ive tried resolving this with XXXXXXXX XXXX XXXX  on XX/XX/XXXX but they just hung up the phone. They sold my personal information to a collection agency that I never agreed on, thats a breach of my privacy. I dont owe money to nobody and now they will destroy my credit score for a made up debt that XXXX XXXX XXXX  created. I canceled the policy before the renewal date.
Product: Mortgage

On XX/XX/2018, Supreme Lending began charging us {$2500.00} instead of {$1700.00}. They gave absolutely no explanation for the increase in charges. They had actually OVERcharged us the year before, and so we were suspcious, since they had made a mistake in XX/XX/2017 and had had to repay us. We followed up with them via phone multiple times and still, received no explanation other than that this was due " property tax increase. '' We called XXXX XXXX County and found out that no, our property taxes had not increased the amount they claimed. We went back to Supreme Lending and received a spreadsheet with different numbers but no explanation of what the numbers were. Multiple customer service agents at the corporate headquarters could provide us absolutely no description of our charges.

We finally went back to our local lender, who referred us to the regional manager. She was able to explain the charges. Basically, the corporate office had been undercharging us due to not understanding California tax law. We asked that we pay our own property taxes, not have our lender pay them, due to the incredibly poor customer service. However, they want to charge us a {$700.00} fee to NOT pay our taxes. We wrote an email two weeks ago asking the fee be waived and did not receive a response from the company.

We asked Supreme Lending when our monthly fee would go back down to {$1700.00}. Multiple agents on the phone have said it will go back down starting XX/XX/XXXX. As of now, we are still being charged the higher amount and the company is refusing to tell us what our monthly payment will be.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has Been More Than 30 Days Since I Mailed My Disputes To XXXX XXXX, Experian And XXXX. I Haven't Received A Response From Either Of These Bureaus As Required By The The Fair Credit Reporting Act.
Product: Debt collection

A couple of years ago I took out a loan from a company named Cash Central. They ceased communication with me about a year ago but within the last few months XXXX XXXX XXXX has been calling my work number. I can not take personal calls at work and after the second or so call to my work number I called from my cell phone during work hours to tell them. They continue to call my work number, which is a violation of the FDCPA. Today the representative from their company acknowledged that I did tell them to not call me at work but they did it anyway, and he says I wo n't talk to them at the other numbers they have called but they 've never left a message on any other number since I told them not to call me at work. They may be calling my cell phone from spoofed or unavailable numbers but because I get a lot of telemarketing calls unless I know the number or someone leaves a message I do n't pick up. It seems like calling from spoofed or unavailable numbers and not leaving a message is an attempt to skirt debt collection laws. Because this company has violated the FDCPA and admitted to it on their recorded line I want them to close my file and never contact me again.
Product: Checking or savings account

Capital One is blocking me from enabling external applications on the Internet. I want to be able to access my financial data, how I want.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - The company will not place a security freeze on my file even though I have explained that there have been attempts in the USA to steal my identity. I completed the online security freeze form, which requested proof of my current address in the USA. I have lived abroad and XXXX, XXXX has been my home since XX/XX/XXXX. 

XX/XX/XXXX - I called the company about the security freeze explaining that I could not provide proof of USA residence since I live abroad but still deserved to have my consumer file frozen. I explained I was trying to stop attempts in the USA of stealing my identity or identity fraud. I do use my family address to receive my bank statements ; however, I do not have any bills or any other form of mail in the United States and my license has long expired. 

The woman screamed at me to listen to her. She said she had to verify my US address. How can a US citizen living abroad prevent ID theft if they can not show proof of US residence? Others credit reporting agencies have asked me security questions which I was able to answer to authenticate my identity. Why can not this company do the same??
Product: Checking or savings account

Unemployment direct deposit is scheduled for today and BOA has NOT deposited funds.
Product: Money transfer, virtual currency, or money service

I tried to purchase two puppies with a contract on XX/XX/20. I made the deposit but the seller has not contacted me. Hrre i the website XXXX I checked the references and use Zelle but there is a trace on the deposit of {$750.00}