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

In XXXX I was denied employment due to credit. The job was financial related and required a good credit report. Two weeks later I was denied housing because the company stated my credit report showed debt to another housing provider. I pulled my Equifax credit report and discovered an inordinate amount of errors. There were over 50 errors total on my report. I sent them a letter immediately explaining and showing in detail why each item was an error and asked them to investigate and resolve. In XXXX they sent me back a letter saying that they had completed an investigation and verified all information. It was a very blanket letter not outlining how they conducted any investigation. I then sent them a response showing that these were in fact errors and should be either updated or deleted ( based upon each individual line item 's situation ). The response I received was almost an identical letter to the first one they sent. It did not address any of the my concerns at all. Overall I have repeatedly contacted this company in hopes that they would resolve these errors and they have not. Ive sent letters in XXXX, XXXX, and XXXX immediately upon receiving their repossess and have receipts of certified my mail being received by them each time. To date I am still unable to secure housing or a suitable job because of these errors. I. work in finance and can not afford to have such errors on my report. In addition to all of the negative errors I also discovered thatchy are not reporting at all on many of my positive credit lines. I have contacted my credit card companies to confirm that they report to the bureaus nd each confirmed that indeed they do report. Therefore there is no sufficient reason why my positive credit lines are not reported and thus why all of these erroneous negative items are reported. I am in a world of trouble because of this negligence and they just keep sending back the same letter saying they verified the items. There is no way to verify something that never happened. When I asked for proof of these items belonging to me in the form of anything I authorized or signed or even recordings where I gave approval I received nothing repeatedly. Please help me. 

Thank you
Product: Debt collection

This debt collector as defined in 15 US Code 1692a - Definitions has been harassing me with calls and letters pursuant to 15 US Code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Also, pursuant to 15 US Code 1692b ( 2 ) not state that such consumer ( me ) owes any debt.
Product: Vehicle loan or lease

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear TransUnion XXXX Department, I am writing to dispute XXXX fraudulent accounts that appear on my credit report : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} Date Opened : XX/XX/XXXX I have never conducted any business with these companies, nor have I authorized them to report any accounts on my credit report. These accounts were opened without my consent and are fraudulent. 

Additionally, I have filed a report with the Federal Trade Commission ( FTC ) regarding these fraudulent collection accounts. Please investigate this matter and remove both accounts from my credit report immediately. 

I appreciate your prompt attention to this issue and request written confirmation once the accounts have been removed.
Product: Credit reporting or other personal consumer reports

Im reporting again PayPal Mastercard credit card they have not shown me full receipts for this card only the last 3 which were all payments made may me this a clear attempt to keep restarting the 30 day date to respond properly if you look back in your disputes I just recently had same issue with their fanatics card as well again attached is their response which just shows last 3 statements not receipts of all balance and it says if we do not hear from you we assume this debt is correct. So Im responding
Product: Credit card or prepaid card

Dear Sirs : On XX/XX/2020, I purchased several items on XXXX for the amount of {$73.00}, using my Synchronic Bank credit card # XXXX XXXX XXXX XXXX. Since the items never arrived, I filed a complaint with the Bank requesting a credit for the total amount paid to XXXX ( {$73.00} ). As of today, XX/XX/2020, Synchronic Bank has NOT credited my account for the items never received. In view of Synchronic Bank 's refusal to credit my account, I contacted XXXX to request a refund of my money. XXXX also refused, claiming that this credit should be made by Synchronic Bank. It is very abusive on part of Synchronic Bank and XXXX that as of today, I DO NOT HAVE THE ITEMS FOR WHICH I PAY IN GOOD FAITH NOR THE CORRESPONDING CREDIT ON MY CREDIT CARD.
Product: Credit card or prepaid card

I want to pay my installment balance on my Apple Card. I cant. Im told no interest is accrued but I still want to XXXX out my balance. This will allow my credit report to show XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) The docket on the bankruptcy is incomplete. The last 3 characters, ( XXXX ), is missing from the credit report. Also, the court name is incomplete and the state of the court is missing. The correct name of the court is 'US Bankruptcy Court Northern District of Georgia XXXX located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened in XXXX of XXXX but none of the payment history for XXXX is provided in the payment history. Please provide payment history for XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016. 

XXXX ) XXXX XXXX XXXX ( XXXX ) does not provide payment history of original account. I've attached the payment history to be updated.
Product: Credit reporting or other personal consumer reports

I sent. dispute letters to XXXX, XXXX and Experian to validilate these accounts that thru verifiable proof however, These Companies have neglected to provide the original agreement with my signature as well as they are not following their own policies and responding back within 30 days
Product: Mortgage

To all parties connected to this fraudulent mortgage loan origination matter. I have been misrepresented by the lender from Fifth Third Bank and the FHA appraiser from XXXX who Fifth Third Bank Mortgage department hired for both FHA appraisals. Fifth Third Bank Mortgage department intentionally submitted the wrong appraisal calling it an error. Why Im certain of this matter is because its protocol within the guidelines to submit the lower appraisal. The property that was purchased in question was a flipped property that required two FHA appraisals due to the property being put on the market within 91 days after the recorded deed date from the previous owner. The FHA appraisal overlooked the safety and the condition of the home. After receiving the clear to close endorsed by the underwriter DE from Fifth Third Bank Mortgage Department. On the day of closing I took possession of the property unknowingly, that the FHA guidelines wasnt met due to the safety and conditions of the home. Although, the report stated differently this home has multiple deficiencies that conflict with FHA guidelines. In concluding, these impairments to the property in question were not disclosed in any of the reports. My personal private inspection came back with 21 deficiencies conflicting with Fifth Third Bank 45 days prior. Due to these circumstances I feel my rights have been violated under the lender liability law and program guidelines.
Product: Credit card

I held 4 capital one credit cards 3 personal and 1 business credit card that I never missed a payment on nor have I completely maxed out. My bank account was hacked XX/XX/year> while I was out of the country on a 9 day cruise with my children I had submitted payment on the credit cards that I used the most and if you know anything about capital one they make your balance available before they retrieve your funds. Me not knowing that at the time that my bank account was being hacked thought the payments was being held against my account so while on the cruise I was using my cards and paying them off before it was time to report to the bureau for their monthly review of your credit report so my usage wouldnt impact my credit score due to me just re establishing my credit only to find out my bank was returning the payments due to insufficient funds, causing me all kids of over draft fees, late fees, returned car notes, car insurance, over my limit credit card bills ect., instead of capital one reaching out to me they closed my accounts stating fraudulent activity and I had to reapply. I disputed with the bank the transactions on my account totaling over XXXX and they found me at fault stating it was a service i previously used online, but never had I ever used that amount of money at that rate or speed of the withdrawals in that short amount of time all in 1 days time my personal account was cleaned out and I was left with over the limit closed credit cards that I cant even afford to payoff thats impacting my credit score immensely so i lossed triple because of my bank finding me at fault after a 1 day investigation that wasnt even thoroughly done.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting inaccuracy on my report I asked them to do a thorough investigation and they did. But I also did a thorough investigation and found several inaccuracies on my report. I seen massive inquiries! such the ones below 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I told paypal that money was sent to a email that turned out to be a scam an PayPal said that there was no unauthorized activity for {$100.00}. PayPal can not resolve its issue and did not refund me the money. Very easy for scammers to use PayPal and request and accept money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following items need to investigate and correct erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXXXXXX Balance : {$70.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX : {$61.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX : {$570.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit card

My XXXX account was hacked and someone purchased {$830.00} worth of digital gift cards on XX/XX/XXXX using my saved payment methods. I filed a dispute with XXXX on XX/XX/XXXX but have received no further information. XXXX does not have a way to contact via phone for assistance. XXXX XXXX Request Number is XXXX filled a dispute with Chase, which included {$260.00} of charges listed below, but chase denied XXXX dispute. FTC Report # is XXXX. 

XXXX XXXX number XXXX ( {$130.00} ) XXXX XXXX number XXXX ( {$130.00} )
Product: Debt collection

I initially contacted XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA, XXXX on XXXX XXXX, XXXX via the internet. XXXX XXXX sent automated emails regarding my inquiry. I then spoke directly with XXXX XXXX, XXXX XXXX XXXX Sales Manager, and explained my situation and my terms for purchasing a new vehicle, which were that I had a trade in that I was upside down on for about {$10000.00} and that I was adamant about not putting any money down ( {$0.00}, XXXX dollars ) on a vehicle because I was in the process of trying to close on a home that I was purchasing at the time and all my funds were tied up in the house. XXXX said he understood completely. XXXX said that he would get together with his finance person and see what he could do and said that he would contact me to let me know either way if they would be able to work with me and my conditions. He then texted me on XXXX, XXXX, XXXX in the a.m. and told me that they were able to successfully construct a deal with my conditions and to come on down and sign the paperwork, trade in my vehicle and pick up my new vehicle that afternoon at XXXX. I arrived on time and completed the signing of the contract and getting my new car within 45 minutes from my arrival. After a seamless and seemingly worry free completion of the transaction, I received a notice from XXXX XXXX a few weeks later saying that they wanted me to return the vehicle as they were exercising their right to rescind the deal we had recently completed. I immediately contacted the finance department at XXXX XXXX XXXX and spoke directly with XXXX XXXX, Finance Director, who unequivocally assured me that the issue was resolved and not to worry and DO NOT come into the dealer as according to XXXX XXXX 's ( Finance Manager ) notes in the computer, everything was fine and not to worry. Following that conversation sometime in the future, I received messages from both XXXX XXXX and XXXX XXXX, saying that they needed me to go into the dealership to re-sign the paperwork because they needed to submit my paperwork to a new lender, but that nothing would change except for the bank name. I then made arrangements to go into the dealership to resign the paperwork in order to resolve any issues. On XXXX XXXX met with XXXX XXXX, Finance Director, and I told her that XXXX said to come in and see her. I spoke to her about XXXX informing me that nothing was changing in the paperwork and that it was only the bank name changing. She highlighted where I needed to sign and had me sign the pages with NO explanation of the change in terms of the contract where they now had a down payment in the contract of {$2000.00}. NO ONE at NO TIME informed me of this change in the contract. I would NEVER have signed the paperwork if that were the case. I am receiving collection letters from Systematic National Collections , Inc. in for {$2500.00} for this and want this to cease immediately. It is fraudulent to have a consumer sign contracts without full disclosure of any changes to the contract and that is what XXXX XXXX, Finance Director of XXXX XXXX XXXX did when I came in that day to sign my paperwork.
Product: Checking or savings account

On XXXX XXXX I am received funds of a business transaction for materials. I immediately deposited the check into my business account it was Friday. The company contacted me via messenger to check if the funds were available. Sidebar this check was sent viaXX/XX/XXXX. The funds wasnt available on a Monday I immediately contacted the bank as to inquire about the check and why was it taking so long to clear. The representative said a letter will be mailed out about the Check. I immediately asked what was the problem. I came to understand something was wrong. I was concerned, this was my business account my livelihood. I received a letter stating the check was being held for clearance. I immediately the company that distributed the check. They didnt answer me from that day til this one. The bank froze my account, charged me for monthly charges. I wasnt able to mange or produce business thru my account. The only way I found this out was I signed onto the account and it says XXXX dollars. I immediately call the bank to gain a greater understanding. I was treated like a criminal, what the bank wanted to take out on the company that sent that check to me they totally took out on me. My civil rights were violated. I again I reach out to the bank, I was sent to the fraud department, I explained to them I havent been contacted by the bank and my account isnt accessible to me. I learned not only was the check frozen but so was my account. The representative got in touch with the back office. A XXXX XXXX XXXX was very very rude and she beat around the bush very bad. I asked about my accessibility and can I deposit money into my business account. I was told yes and then no. At the end of the call I was told to go to the bank to retrieve my cash. I went and was totally embarrassed. I sat in that bank not being helped until closing. XXXX XXXX looked away from me the whole time never attempted to call anyone just had me sit she took my license and the paperwork that I have to her but told me that she couldnt help me. Thus was the second time I went and the same thing happened except this time I was asked to leave because there was nothing that could be done and they were leaving for the evening. I have lost a lot of money and business behind this very rude interaction. Im in debt today because of this and my two business are in jeopardy. When I walked in the bank I was looked at as a joke.XX/XX/XXXX+++ shouldnt be treated like this because I identify myself as myself. I was so humiliated! As am entrepreneur Im at a lost of words as an minority. I never thought I would experience something so mean here in New Jersey. This bank dont take likely to my kind and Im truly offended. I also had the liberty of speaking to XXXX XXXX XXXX and I still dont know why she called me its meaningless. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated by XXXX XXXX and Experian. I sent a formal complaint of them reporting inaccurate and incomplete credit information on my report. Below is the information on my credit profile that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report published. I've decided to file a complaint with the FTC and the CFPB. Wenger v. TransUnion Corp., No 95-6445 ( C.D.Cal Nov. 14,1995 ), you may be liable for your willful non-compliance, Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be investigated, I respectfully request to be provided proof of these alleged items, the original application, contract, note or other instrument bearing my signature. Failing to do so, items must be deleted from report as soon as possible. Under federal law, the bureaus have 30 days to complete the investigation. Please be advised that the description of the procedure used to determine the accuracy of and completeness of the information is here by requested as well. Please provide the information within 15 days. The credit bureaus is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior and I was not. As the original creditor, only I can validate this debt and I did not validate this debt. Therefore the following accounts must be deleted from my report. 

Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX 2020
Product: Debt collection

I received a bill for {$2100.00} from XXXX XXXX XXXX, XXXX a bill at XXXX : J.C.Penny Consumer. 
Original Creditor : XXXX XXXXCurrent Creditor : XXXX XXXX XXXX have never had a credit card nor have I ever had credit at XXXX.In fact I have never had a credit card of any kind in my life.I am XXXX years old and I do not plan to get any credit cards ever. 
XXXX XXXX XXXX XXXX XXXX were threatening when I called their toll free number XXXXThey sent me a notice of collection and special offer with an offer to send them {$540.00} for a settlement. 
The notice also says " The law limits how long you can be suedon a debt.Because of the age of your debt, XXXX XXXX XXXX will not sue you for it and XXXX XXXX XXXX will not report it to any credit reporting agency. " Any help or advice you can give me will be greatly appreciated, Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following 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, 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 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. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.