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

EQUIFAX has violated my federally protected consumer rights Reporting Fraudulent accounts to my report.The Law Clearys States 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXXXXXX XXXX to update the comments in my account that states that I am participating in a credit counseling program. Creditors are denying me credit due to this comment. I have reached out to back in XX/XX/2021 and XX/XX/2021 to XXXX by phone twice and by mail and to no avail. I have even spoke with the credit bureaus to update and no success. I had my loan modified back in XXXX after my son died as a baby and I underwent hardship in my family life. Please help!
Product: Payday loan, title loan, or personal loan

Intrest is extremly high 35.98 % the loan is for {$12000.00}. dollars I make a payment of {$430.00} {$0.00} went to principal and {$430.00} for interest. And another thing they charge me {$600.00}. 
for loan application.The first payment that I made was for {$530.00} and when I made the above payment the balance was still over {$12000.00} dollars. I very sincerely need you help, so after I hear from you I will pay a fair balance in full I thank you in advance. 
Normally I don't go borrowing money but I was taking by scams with over {$200000.00}
Product: Credit reporting or other personal consumer reports

This is regarding a XXXX XXXX credit card. On XX/XX/2023 I made a charge of {$21.00} on this credit card that I rarely used. I made this small charge to keep the account active as I know some companies will reduce the credit limit or close inactive accounts. 

My account was set online for paperless, and I expected to receive statements via email. I did not receive any statements or late notices, so I did not know to pay the {$21.00} balance. I finally was made aware of this balance when I received an alert from XXXX. At that time I paid the balance in full immediately. At this point I searched my email folders ( In-box, Junk, Spam and Trash ) for XXXX XXXX and XXXX and found no statements. I also confirmed that my email address was correct at my online account. Again I received no late notices via email or postal mail. 

As a result of XXXX late payment reporting to all 3 credit bureaus my credit score dropped significantly. Attached is a FICO graph from XXXX that shows a drop of XXXX points within 2 months due to this late payment of a small balance of {$21.00}. I took pride in my high credit score of 800 + and I always pay my bills on time when I know about them. 

There was a failure in XXXX system as they didnt send me statements or late notices. This is considered negligence. The damage they caused to my credit score will cost me thousands of dollars in higher interest rates for new credit accounts and mortgages. 

I wrote two letters to XXXX about this issue on XX/XX/2023 and XX/XX/2023 and their response was that their credit reporting was correct, however, they refused to respond to their negligence of not sending me statements or late notices.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I do not have an account with XXXX XXXX XXXX XXXX I have contacted them multiple times to let them know that the account does not belong to me. Also, these inquiries are unauthorized and I'm a victim of identity theft : 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 usc 1681i ( FCRA ) - dispute procedure for inaccurate information. 15 usc 1692e ( FCRA ) - prohibits false or misleading collection practices.

Under Section 616 and Section 617 of the FCRA, if a credit bureau or creditor willfully or negligently violates the FCRA by failing to remo
ve fraudulent inquiries or handle disputes properly, consumers may be entitled to actual damages or statutory damages and may seek legal action. 
In the event that the credit reporting agencies choose to affirm the issues I request proof of validation for all matters presented.
Product: Credit card or prepaid card

I have an Amazon credit card thru Chase bank and when I log onto their website and try to make a payment I can see my list of payment sources and different amounts to pay on the card but the system does n't allow me to make a selection of either. it clearly is n't working and when I called to speak with an agent he told me the reason I ca n't make a payment is because I have not verified something about my account that was sent by email. That 's total non-sense. The website is non-functioning, Period
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been attempting to remove fraudulent accounts from my credit report since XX/XX/XXXX. I've mailed multiple sets of letters since then, asking the bureaus to investigate and remove fraudulent accounts. Its been over 200 days into something that is limited to 30 days max and not only are the accounts still reporting on my report, they're not even being investigated as I have received no responses. The first letter was delivered on XX/XX/XXXX per certified mail tracking and the follow up letters were delivered on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. It is surprising that the bureaus are blatantly allowed to disregard the federal law under the FCRA and my rights with no consequences. This is my last plea before I take this to my lawyers and sue for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my student loan repayment was waived because of XXXX. I was placed in a annual review for a number of years. The monitoring period ended and all of my student loans were permanently and totally discharged on XX/XX/XXXX. 

Credit reporting agencies, do not reflect that all of these loans were previously discharged. Some credit reports show that I'm in the monitoring period until XXXX. 

The loan amounts are so much higher than when they were taken, because of interest charged during XXXX monitoring.
Product: Debt collection

We received a letter from Convergent dated XX/XX/2020 attempting to collect {$1100.00} for an apparent XXXX balance. We have not had a XXXX account in years and had a {$0.00} balance when we stopped using them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX. This has caused me tremendous anxiety, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I wrote the XXXX and Equifax about reporting inaccurate information on my credit report that needed to be deleted from my credit report with no result from them then wrote them again on XX/XX/2022 stating that the following accounts were still reporting inaccurate and unverifiable information on my behalf. 
XXXX. XXXX SELF-REPORTED Account Number : XXXX XXXX. XXXX SELF-REPORTED Account Number : XXXX XXXX. XXXX SELF-REPORTED Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX SELF-REPORTED Account Number : XXXX XXXX. XXXX SELF-REPORTED Account Number : XXXX these accounts are damaging to my credit and credit profile. I've been denied housing do to these inaccuracies and need this to be rectified by being deleted it is only fair at this point.
Product: Debt collection

Debt was a result of a Workers comp claim. All information was provided to original Creditor XXXX to file under the active workers comp claim after numerous times advising the same information and no results I included in a XXXX XXXX  bankruptcy filed XX/XX/2021 that has been discharged I also provided XXXX with the Case number and I am still getting collection calls and now letters from Benuck & Rainey , Inc they were also advised of the same information via phone call for the debt. At this point i feel it is harassment and they did not take the proper steps to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information. XXXX XXXX,, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Report contacted me to avail to a free Trail for a month. I tried but they asked for a Credit Card before I can start. I gave my Discover Credit Card. 

XXXX XXXX XXXX is very inconvenient and it does not work. So I canceled it, This was at the height of the Covid Pandemic. I got infected with XXXX and was XXXX, then I suffered from XXXX XXXX and still is suffering from XXXX XXXX. I am taking a lot of medicines which keeps me drowsy and feeling lousy ad sickly all the time coupled with XXXX from taking XXXX Drugs. The reason that I was not checking the charges of my Discover Card. 

I am a XXXX old proud Retired XXXX XXXX XXXX  that was making good money and was my paying 20 % taxes. Being retired and my Social Security Retirement Pension is barely enough to survive. 

I am being abused by these scammers- XXXX Credit Report which has affected my Quality of Life. I have a lot of charges in my Discover Credit Card due to these Illegal Charges. 

I already filed a complaint with Discover who credit back the monthly charges, but later on, Discover recharged my account again siding with XXXX. 

I called Discover and filed a Dispute, but they will recharged these XXXX Charges again. 

Please help me. This is a scam and also a Seniors Citizens Abuse. 

Thank You so much! 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing inaccurate information on credit report ftc violation and fair lending act filed FTC
Product: Debt collection

in XXXX i made a payment & voluntarily called them and told them i wanted them to come get the car because i no longer want it due to the fact no one has shown me paper work nor can give me warranty information about my car! ive been calling since XXXX for them to come get my car & they stated they didnt want the vehicle they only wanted money & hung up in my face!! they causing my credit to drop for no reason and i dont know what else to do
Product: Checking or savings account

Hello, so apparently us bank decided to close my accounts for whatever reasons and they have not refunded me the funds that were left in my accounts. Its been a few weeks now and i really need my money. Can you help expedite the reimbursement of my funds pelase?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX tarnished my credit in spite of me paying off the loan. I have made numerous attempts to clear and dispute the error but have not received any response. I also disputed with credit bureaus all XXXX and they said to contact the creditor. I am attaching the letter XXXX sent me showing I paid off my loan. This has been affecting my credit since 2019 and recently when I applied for a new vehicle recently and they mentioned hundai!. It continues to come up on my credit report and I have evidence from XXXX document, see attached form. I sent that letter to credit bureaus and XXXX several times and nothing. 
Hope you can help. 

Thank you!
Product: Mortgage

Back in 2004, I was offered a " Line of Credit '', loan that I did n't request from Washington Mutual Bank. The notary person who came to my home " STATED ', this was n't an " Interest Only Loan. We were told it was a fully amortized loan for a {$100000.00}. I presently own them {$64000.00}. Later on, we call the bank to see if they could correct this problem time and time again. To this date, we have paid into this loan about {$38000.00} in payment to see the principal balance stay the same at {$66000.00}. I contact an attorney this year to see what can do about this problem and was nothing, just refinance that mortgage but I 'm losing all those payments for years on time.Chase Bank refused to do anything to correct this mistake, I been to the branch, on the phone with customer service and get the runaround. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the recent XXXX data breach I want to freeze my credit. I was able to do this easily with XXXX and XXXX, but Experian has made it impossible to freeze my credit in a timely manner to protect myself. Ive tried their online system multiple times as well as their customer service lines and each time I face multiple crashes and a final message that they are unable to process the freeze so I should mail in a large number of sensitive documents. No option to communicate or alternative process was offered. They also charged me {$10.00} on each attempt even though they did not provide any useful service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account name : XXXX XXXX, Account # XXXX Account name : XXXX, Account # XXXX Account name : 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 : 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

Hi, I have reported these errors and asked all three credit bureaus to validate my accounts! they still have accounts showing that are not correct, I also have a very common name and have had this happen in the past due to it. Please help with this thank you very much. 

In accordance with the Fair Credit Reporting Act these accounts have violated my rights 15 U.S.C 1681 section 602 A. States I have a right to my 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 XXXX XXXX-Validate Account XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX  XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX XXXX  XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX  XXXX Validate Account XXXX XXXXXXXX XXXX XXXXXXXX Validate Account XXXX XXXXXXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Validate Account XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account
Product: Debt collection

I have been receiving telephone calls harassiing about a debt that is not mine. Now I am receiving letters. On XX/XX/XXXX, I received a collection account on my XXXX, XXXX, and XXXX Credit Bureau Reports from I.Q. Data International XXXX Inc.. I disputed the collection account and I mailed a copy of the Identity Theft to each of the above mentioned credit bureaus. XX/XX/XXXX, I received a letter I.Q. Data International , Inc requesting my ID, proof of Identity, police report, Identity Theft etc. ( see attached letter ) I give the proper documents to the credit bureaus. I believe that this is illegal for this company to place a collection on my credit reports, and to request my personal information that I give to the credit bureaus. It is illegal to place a collection account on my credit reports.
Product: Money transfer, virtual currency, or money service

I use XXXX to collect rent from tenants on a monthly basis. PNC Bank no longer works with XXXX and I am not able to collect my rent, and income. There was no written notice of cancellation or policy change prior to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

A balance is reporting on my XXXX by XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. I have tried to resolve this issue directly with XXXX by XXXX and they have failed to correct it.
Product: Credit reporting or other personal consumer reports

I found inaccurate information in my EQUIFAX credit report. I tried to fix the issue by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as Payment status, payment history, date opened, and balance are still being reported. My rights were violated. According to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C. Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Addresses and name on my credit report are incorrect. I do not live, or have i lived at those addresses. I will attach proof of my electric bill, showing my name and address. i do not live in Michigan.
Product: Checking or savings account

XXXX XXXX  ( XXXX  ) Dispute case # XXXX. 

On XX/XX/22 I disputed an unauthorized transaction from XXXX in amount of {$68.00}. 

XXXX canceled my old debit card and issued a new one. They verified remaining transactions and proceeded to lock my account without permission. I do not have access to funds to pay bills or get necessities. 

XXXX  will not unlock my account and give me access to funds. This is the second time they have done this. 

Please make XXXX give me access to funds. 

Thank you, XXXX XXXX
Product: Debt collection

I, XXXX : XXXX am speaking for myself in this claim. CRDT CTRL CO is illegally reporting on my account. Cease and Desist all forms of communication. You lack my permission to communicate on any debt pursuant to 15 usc 1692c ( a ). Negative reporting is defamation of character. according to 15 usc 1692k ( a ) ( 1 ) I have the right to collect ACTUAL DAMAGES. This negative reporting on my credit report has cost me securing a new car. XXXX XXXX XXXX is extorting me by reporting on my credit for this alleged debt. Cease and desist communication. You will receive a letter in writing via certified mail. To avoid any statements about this not pertaining to XXXX XXXX XXXX for whatever the reason, I have included, for your convenience the laws stated. I am entitled to remedy as a federally protected consumer and simply request you remove your reporting or I will fully exercise my rights and seek remedy in full.
Product: Debt collection

after more than 7 years from the date of our delinquency on our XXXX mortgage and having no contact from any one attempting to collect the debt after we lost our home in a foreclosure in XXXX we suddenly have a company trying to collect the debt and they are the first company to report this debt on our credit report. We filed for bankruptcy in after our home was foreclosed on and the original creditor did not, to my knowledge, file a proof of claim- they just charged off the account since they could not collect on the sale proceeds at foreclosure They also are reporting that payments were made on the account in XXXX but our last payment before trying to negotiate a modification was in XXXX of XXXX and the home was sold at a foreclosure sale in XXXX. They may have bought the debt from some one in an attempt to collect but the statute of limitations has expired for legal action as well as the 7 year statute for reporting it on our credit report- some one has re-aged the debt by stating that there were payments made in XXXX but XXXX records show that the property was sold long before XXXX. Since our date of delinquency was in XXXX of XXXX should n't we have the right to have it removed from our credit reports .No reporting of this debt was ever on our credit report until XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was subject to a security breach from XXXX through XXXX this year, in which hackers were able to access people 's SSNs, birthdates, addresses, and other personal information, including mine. Equifax did not notify the public until XXXX. Upon publicly announcing the breach, they set up a website that they claimed would tell consumers if their information had been accessed or not ; when I tried to use the site, I was given no clear yes or no answer, but instead given a date for which I would be eligible to enroll in Equifax 's TrustedID program ( which I did not want to enroll in, nor did I agree to enroll in ). It was later pointed out that the website 's FAQ appeared to state that by using the site, consumers waived their right to sue. Equifax did not clarify that this was not what they meant until after it was pointed out that this was not legal.