23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I filed a complaint with you, complaint XXXX, regarding XXXX XXXX XXXX. The complaint was about being billed for a cancelled phone service. I cancelled my home phone in XX/XX/XXXX and in XX/XX/XXXX received a phone bill for a full months service even though my phone service was cancelled. I called XXXX XXXX XXXX and spoke with a rep who said he would resolve the problem.In XX/XX/XXXX I again received a phone bill for the bill I received in XX/XX/XXXX. I called XXXX XXXX XXXX and spoke with a rep who said he would resolve the problem. In XX/XX/XXXX I again received the bill and called again and spoke with a rep who said he would resolve the issue.In XX/XX/XXXX again received a bill. Didnt call because it never resolved the problem. In XX/XX/XXXX I received a letter from a collection agency, ( Diversified Consultants, Inc.regarding my bill from XXXX XXXX XXXX. Out of frustration I sent them the {$100.00} they said I owed to XXXX XXXX XXXX..I then filed a formal complaint against XXXX XXXX XXXX with your business, Complaint number XXXX. After receiving a reply from your company via e-mail telling me you had attemptrd to solve my problem with XXXX XXXX XXXX. Apparently your pressure resolved the issue as I received a check for {$100.00} from Diversified Cosultants Inc.stating there was an over payment on the acccount.. Was the problem solved? Apparently not as yesterday I again received a bill from XXXX XXXX XXXX for {$100.00}. I am angry, frustrated and totally XXXX XXXX. Once this issue is finally over I will cancell my XXXX, an affiliate of XXXX XXXX XXXX and switch to the XXXX XXXX. I presently pay over {$200.00} a month to XXXX for satellite TV and because they are connected to XXXX XXXX XXXX i want nothing to do with them. It will be almost a {$2500.00} loss to XXXX This issue has been going on for over six months now and XXXX XXXX XXXX need to realize I dont owe money for a cancelled phone.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX  ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online around XX/XX/2020 to try to temporarily unfreeze my credit report, as I have done previously. I was unable to do so, after entering in my myEquifax login info the screen said " we are temporarily unable to complete this request. please try again later. '' I proceeded to try to login on my laptop and mobile devices ( XXXX and XXXX  ) to get the same message. This has continued until today when I attempted to call the number provided on the site in which I spoke with several different employees ( employee ID XXXX global consumer team, XXXX - MyEquifax as well as her supervisor XXXX XXXX all of whom failed to verify my identity and unfreeze my report. As a consumer, I have the right to access of my report and I am not being adequately assisted to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing due to the noncompliance with ( XXXX, XXXX, Experian ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone opened a card in my name and been paying Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$390.00} {$390.00} {$390.00} No. of Months ( terms ) : 0 0 0 High Credit : {$530.00} {$530.00} {$0.00} Credit Limit : {$400.00} {$400.00} {$400.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm following up on a complaint I submitted against company for innacuratley reporting my account late I received response and it is contradicting from the response company stated my first date of " delinquency " was on XX/XX/XXXX but payment shows marked on time from companies response letter on the screenshot of my report there is late payments marked late from XX/XX/XXXX all the way to XXXX XXXXwhich shows marked on time for XXXX, XXXX and XXXX how is that possible. I'm asking that this tradeline be removed from my credit report for failure to accurately report and going against my consumer rights.
Product: Checking or savings account

I received a letter with a Debit card on XX/XX/2021, and the following day XX/XX/2021 I received a letter saying " Thank you for opening new account ( s ) with PNC. '' and lower down on the letter list 3 accounts that I DID NOT OPEN. 

I called PNC bank, and they told me I'll be receiving a call form an investigator, which have not came yet.
Product: Prepaid card

I received a vanilla gift card as a gift. It was for {$30.00}. The card numbers are not readable on the front so therefore I cant activate it. When I called customer service. They told me there is nothing they can do for me. This outrageous and theft. They are stealing peoples money. There are numerous other identifying numbers on the back of the card. There has to be a way for me to use this gift card.
Product: Mortgage

XXXX ID : XXXX My complaint was closed based on lies provided by ICG Lender with their response. Below are the details, please reopen my case and investigate. 

ICG clearly LIED in their response and I have proof. Their detailed explanation on XXXX XXXX XXXX ( loan no XXXX ) appraisal is a big lie. I submitted the filled with credit card details and signed appraisal authorization form to ICG for XXXX XXXX XXXX on XXXX XXXX. They are lying that I never gave them that and I have the email conversation proof with attachment. I was never approached about payments and failed payments as they're mentioning regarding XXXX XXXX XXXX appraisal despite of numerous follow ups from my end that I already submitted. The only contact they did about the appraisal according to their response was on XXXX XXXX which is about a month after my submission and numerous follow ups. Why wait a month for something so basic? Isn't it negligence to wait for a month to respond despite numerous follow ups from customer with mortgage closing? XX/XX/XXXX is the first contact where they said they can't meet the deadline, they never gave the reason WHY and they didn't say WHY in their response except the lies about appraisal payment which I have proof for. I told them about my appraisal form submission that I did on XXXX XXXX multiple times via emails ( I have emails ) and no action taken. Now they are lying that they never got it. It is nothing but ICG 's negligence that costed me loss of Earnest money and the deal. Pls do not close this complaint based on their lies as I have proof of appraisal authorization submission with me. Attached is the email thread where I submitted the appraisal authorization form to XXXX at ICG on XXXX XXXX. XXXX confirmed numerous times over the phone and email that he received it and was submitted to the concerned parties internally.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Student loan

I refinanced the loan through a separate lender ( XXXX  ) because of lower rates. FirstMark Services purchased the initial loan from XXXX XXXX. XXXX disbursed the payments on 4 notes to FirstMark on XX/XX/2023 total {$43000.00}. I received 4 letters stating that the loans were PAID IN FULL. I am currently making payments to XXXX for the refinancing. On XX/XX/2023, FirstMark reversed the payments. The loan is active, accruing interest and late fees. I've spoken to XXXX XXXX customer service representatives and supervisors. No one has any idea as to why the payments reversed. In addition, I was assured that follow up, including resolutions would occur within 24-48 hours of my initial inquisition. I have received no communication other than notices of my account being delinquent. It is extremely frustrating that a lender reverses payments with no regard for the borrower. I was not contacted with respect to this action. However, as a result of their reversal, I was contacted about my account being past due. Had I not received that communication I would have never realized what transpired. I immediately logged into my account and noticed the reversal. PLEASE HELP!!!
Product: Credit reporting or other personal consumer reports

I see that XXXX and XXXX are reporting XXXX XXXX somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or written consent to report this on my credit reports. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, 2019, XXXX XXXX, alleged that XXXX XXXX, defaulted on a credit card in XXXX County Municipal Court, in Ohio ( XXXX XXXX, has no knowledge as to the nature of the allegations ). The case was dropped by XXXX XXXX, and dismissed by the Court on XXXX XXXX, 2019. However, XXXX XXXX, continues to report to Transunion, and other credit reporting agencies that XXXX XXXX, owes a filing fee of {$110.00} for the fruitless action. XXXX XXXX has been in contact with Transunion, and XXXX XXXX, who continue to claim he owes the filing fee, and there is no error.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

I am stressed and displeased that I see so many fraudulent accounts on my credit report. 
This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. 
Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
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 items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Product: Credit card

I was wrongly charged for purchases I did not make. My credit card number was stolen and was used to make purchases in Utah.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts on my credit report, as I am a victim of a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), please remove the following accounts and inquiry from my report : Accounts to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for XXXX, Experian and XXXX to add my contact number in the written section of my credit report located under the fraud alerts. This gives companies the opportunity to contact me to confirm my identity i anyone or myself applies for credit. Without this contact information banks and credits automatically deny any applications done by me. Also I want to be contacted in the future by any creditor if anyone tries to apply for anything in my name. I am requesting for the written security alert on my credit file to say Due to past fraudulent activity a security alert has been added to the consumers report/ file. In order to verify an application has been made by the consumer. Please contact the consumer first at ( phone number ) before considering.
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my consent, which has negatively affected both my credit and credit score. Despite contacting Equifax and receiving assurances that these inquiries would be removed, they still appear on my credit report. These unauthorized and fraudulent inquiries are causing me significant anxiety, as they indicate potential identity theft, exacerbating my stress and further harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent charges from my profile. Also the only name that I go by is XXXX XXXX. Any other names are fraudulent. 

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

I am filing a formal complaint against TransUnion for continuing to report a debt as charged-off even though the original creditor, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX issued a Form XXXX on XX/XX/year>, acknowledging the legal cancellation of the {$990.00} debt. 

I previously submitted a formal dispute. TransUnion responded that the account had been " verified. '' However, that verification was conducted through automated systems ( e-OSCAR ), not through a human with direct knowledge of the facts, which violates FCRA 1681i ( a ) ( 1 ) and Federal Rules of Evidence 602 and 802.

By continuing to report this canceled debt, TransUnion is in violation of : FCRA 1681e ( b ) Failure to maintain maximum accuracy FCRA 1681i ( a ) Failure to reasonably reinvestigate FCRA 1681i ( a ) ( 5 ) ( D ) Failure to delete unverifiable information and notify other CRAs FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing knowingly inaccurate data FDCPA 1692e ( 8 ) Reporting misleading information about a canceled debt IRS Code 6050P and IRS Notice XXXX Debt canceled via Form 1099-C can not be reported or collected
Product: Credit reporting or other personal consumer reports

XXXX XXXX disputed inaccurate information on my behalf and submitted re-investigation results to XXXX, Equifax and XXXX. The credit bureaus did not correct the information.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint. 

items that need to be disputed : XXXX BANK XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : - {$0.00} - Late/closed XXXX XXXX DC XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK OF XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} - Late/closed XXXX XXXX DC XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX DC XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX
Product: Student loan

I applied in XXXX for reduced repayment through studentaid.gov. I was approved. My loans were directed to Mohela, a third-party student loan company. In XXXX, it said three of my loans were not approved and requested that I pay in full. I applied through FAFSA, which said it was approved because I work as a full-time XXXX XXXX XXXX XXXX XXXX. Mohela said I was not approved and was deferred because I could not afford to pay the amount. I had to reapply, but then I realized I had already been approved in XXXX. I am frustrated because I am homeless, and I can't get an apartment because of my credit due to the amount of loan, and now it is back payment with the amount that I was denied for the application I approved for.