23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The first day receiving a call from pro collect the phone operator was so rude that as soon as I questioned the debt, she began to raise her voice and said you need to pay your bills and hung up in my face. Since then every time pro collect calls me is short and aggressive called and if I say or ask anything theyll hang up in my face leave a rude remark insinuating that I dont pay my bills at all.
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 Account XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX Motors Account XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account XXXX XXXX Account XXXX 15 U.S.C 1681 Section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It Also states consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681 ( a ) ( s ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any 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 relation to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

I look for this to be completed expeditiously within the time frame allotted from Congress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these inquiries. Listed the inquiries on a separate document and I would like action taken immediately. These items are holding my financial ability and potential up. I am a victim of identity theft so I would like these items removed.
Product: Credit reporting or other personal consumer reports

This auto loan payment was due on XX/XX/year>, I made the payment on XX/XX/year> through a bill payment service with my personal checking account. The bank I have the loan through states that they did not receive the payment until XX/XX/year> and reported it 30 days past due. I called the bank I have the loan through multiple times and they stated they could not do anything and to dispute with the credit bureaus. I disputed with all three credit bureaus providing proof of the payment being deducted from my checking account on XX/XX/year> and the late payment was not removed from my credit reports. I don't see why this payment was not received for an additional 12 days after it was made.
Product: Credit card

In XX/XX/XXXX I received several promotional emails from Commenity Bank about {$10.00} account credit for making XXXX XXXX XXXX XXXX XXXX transactions. I made XXXX transactions : XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never received my account credit and I contacted Commenity Bank more than once and they inappropriately responded with letters after a review about a dispute of a manner that I did not initiate that was different from the clearly provable XXXX for {$10.00} credit offer I noted very clearly over the phone and via email. They falsely indicated that I only made XXXX transactions even though all of these transactions are listed together in the transactions list of my account. They also cruelly reversed a {$15.00} credit they made earlier on XX/XX/XXXX based on this false statement of XXXX vs XXXX out of network transactions. 
I want the {$15.00} credit returned to my account balance along with the {$10.00} credit per the promotion. 

In addition to all of this I have recently been having issues connecting or successfully logging into my account, which recently caused me to be charged a late even though payments were made on the date the payment was due XXXXXXXX XXXX in the early afternoon. By the time I was able to get to the payments page their system would force me to make a payment on the day after the payment due this causing a late fee. The first one was {$30.00} and they very sternly refused to credit only {$15.00} even though I have always been on time with payments and this was the first issue with them beyond the promotion issue noted above. The last one was the other week, which was {$40.00} and was caused in exactly the same manner as the first. 
I am requesting reversal of the remaining {$15.00} from the first one and compassionate forgiveness of the {$40.00} second one. 

I have put special alarms for this account to try to absolutely ensure that this doesn't happen again by trying to pay weeks earlier in case there are more log in and access problems since the other times were too close to the date and the time zone cut off settings are too harsh.
Product: Debt collection

MY NAME IS XXXX XXXX. I AM NOT A XXXX PARTY. I AM A NATURAL PERSON SUBMITTING THIS COMPLAINT AND I AM A NATURAL PERSON SUBMITTING THIS COMPLAINT AND I AM REQUESTING THAT THE NEGATIVE ITEM BE REMOVED FROM MY CONSUMER REPORT. 

I'm filing this complaint in reference to an alleged debt with Wakefield and Associates and Orginal creditor ( XXXXXXXX XXXX XXXX XXXXXXXX ) .I would be willing to accept this debt if it were mine and upon validation and proof of claim but it's not mine and there's no way you can validate it.I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding me to pay, yet you have NOT provided this to me as of date, yet reported it to my credit report after I explicitly disputed this claim pursuant to FCRA 15 U.S.C 1692g Sec.809 ( b ) on XXXX XXXX and asked for proof and validation of this alleged debt. 

YOU ARE VIOLATING FEDERAL LAW by continuing to collect on a debt that you have no contractual right nor obligation to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm accordance with the Fair reporting act XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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

In accordance with the Fair Credit Reporting act XXXX  *Account Name : XXXX XXXXXXXX, Account number : XXXX, *Account name : XXXX XXXX XXXX, Account number : XXXX, *Account name : XXXX  XXXX, Account number : XXXX, *Account name : XXXX, Account number : XXXX, *Account name : XXXX XXXX XXXX XXXX, Account number XXXX XXXX *Account name : U S DEPT OF EDXXXX, Account number:XXXX XXXXAccount name : XXXX XXXX, Account number : 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

I sent to the credit bureaus copies of my identity theft report and local police report along with proof of address, my ID, social card and letter listing each fraudulent charge on my credit report, I sent this off certified mail. The credit bureaus have yet to respond regarding this matter and remove these items. The items are as listed as follows 1.XXXX XXXX XXXX account number XXXX open XX/XX/XXXX in the amount of {$480.00} XXXX XXXX XXXX XXXX XXXX  account number XXXX open XX/XX/XXXX in the amount XXXX {$1800.00} XXXX. XXXX XXXX account # XXXX open XX/XX/XXXX amount {$170.00} XXXX. XXXX XXXX  account number XXXX opened XX/XX/XXXX in the amount {$1000.00} XXXX. XXXX  XXXX account number XXXX open XXXX amount {$420.00} XXXX. XXXX XXXX XXXX  XXXX account number XXXX open XX/XX/XXXX in the amount {$1400.00} XXXX. XXXX XXXX account number XXXX open XX/XX/XXXX ain the amount {$630.00} XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX open XX/XX/XXXX amount XXXX Items need to be removed I am a victim of identity theft.
Product: Checking or savings account

I opened a checking account with PNC Bank on XX/XX/2024. I applied for it online and was approved to open my account. I made one deposit for {$240.00} and have not had any other transactions. Over the next 5 days until now, they've locked my account 3 times. I was able to call and get the issue resolved without a problem the first 2 times. Their was no explanation for why it occurred. Now this third time, they are acting like they cant verify me over the phone and insist I step into a branch with ID to unlock it. First and foremost, there is absolutely nothing that took place that warrants my account being locked 3 times in 5 days. Second, how is it that after twice resolving the problem already, that they now somehow can't verify me with the same exact information. Third is the fact that XXXX XXXX XXXX XXXX and cant step into their branch without some form of divine intervention. I dont have an accessible vehicle that could get me there and my XXXX XXXX XXXX XXXX. I've explained this several times to just as many agents but they refuse to find another suitable solution. My info on the account has not changed from the day I opened it, 5 days ago. I only ever accessed my account from my phone or laptop and no one else is even aware that I have this account there. I dont share my login info, my password with anyone. There is absolutely no reason why PNC shouldnt be able to find a way to restore access to my account without having me physically in their branch, when thats nearly impossible for me and when nothing has changed or warrants this action.
Product: Student loan

I graduated in XXXX of 2016. I earn $ XXXX full time. I have government loans as well as {$85000.00} in Sallie mae private loans. There are XXXX loans total with separate payments. The total of the XXXX loans is roughly XXXX month payment with interest rates as high as 10.5 %. I can not possibly make this payment. My cosigner is my mother and she can not assume this payment because she is taking care of my step father who has XXXX and they have medial bills. Sallie Mae 's only offer is forbearance or interest only which forbearing my loan would not help since my income is what it is right now. I am in a year lease where I work and can not move. Interest only payments would be almost as high as my standard payment. Sallie mae only allows 10 year standard. If it could be drawn out to 20-25 years, it would definitely be doable, and my cosigner could help as well. We have exhausted all refinancing companies, with denials from all. I do not have any credit right now since I just started working, and although my mother has outstanding credit and credit history, she is denied because of her debt ratio ( because of my loans ). I really, really need help extending these loans out to 20 years. I know I have an obligation, but there is no way I could possibly pay XXXX. Sallie Mae will not work with us on this. Not at all. We have even gone so far as to look at bankruptcy or a debt relief program. Please, please, Sallie Mae ... ..I know you want your money, why wo n't you work with us? Extend my loan, you will get your payments. Please help us. I have XXXX in government loans, but they will let me use an income based payment. My mother has XXXX Parent plus loan which she consolidated to lower her payments as well.
Product: Credit reporting or other personal consumer reports

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced in 15 USC 1681a Section 603, a 'consumer report ' encompasses any information communicated by a consumer reporting agency that reflects upon a consumers credit-related attributes, including credit worthiness, standing, and capacity, as well as character, reputation, personal traits, or lifestyle. Such reports are instrumental in determining a consumer 's eligibility for credit, insurance, employment, or other authorized purposes as delineated in Section 604 [ 1681b ].

However, it's crucial to note the exclusion clause, ( 15 USC 1681a Section 603 ( 2 ) which states that information pertaining solely to transactions or experiences between the consumer and the reporting entity does not constitute a 'consumer report '. This encompasses reports on transactional payments and credit utilization experiences. Also according to section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. I have never given any agency or entity written instructions to do so. According to 15 USC 1681c. section 605 ( a ) ( 5 ) 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.

Upon meticulous review, it is evident that this exclusion and the above-mentioned regulations have been repeatedly violated by credit reporting agencies and the entities reporting to them, as listed below. These violations have directly impacted my credit standing and financial opportunities. The dissemination of information beyond the permissible scope as defined in the FCRA represents a clear breach of my rights as a consumer. 

Agencies/ Companies that have violated my rights as a consumer : EQUIFAX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX
Product: Credit card or prepaid card

I made approximately $ 30k in purchases at XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX. I was encouraged by XXXX XXXX XXXX to open a credit card with them so that I could save 15 % -20 % .. I normally do not open store credit cards, but since the discount was so large, and on this size purchase, I did so, and it was clearly something they were promoting. The credit card is through Comenity Bank. I did not receive a statement from Comenity Bank until XX/XX/XXXX. The statement had a finance charge of {$27.00} and an interest charge of {$800.00}. I immediately contacted Comenity Bank. After discussion with 3 individuals with Comenity, they refunded the {$27.00} but refused to refund the {$800.00} saying that there was one statement prior to the one that I received and the interest accumulated since the first statement. However, I never received a prior statement, only the statement on XX/XX/XXXX. I don't know if they mailed me a prior statement, maybe they did or maybe they didn't. Perhaps it was mailed and subject to the USPS delivery issues we are currently having during the pandemic, exasperated by the XXXX holiday. I know I did not receive it. The general manager of XXXX XXXX XXXX escalated the issue with Comenity to refund the {$800.00}, but they would not budge. They have my credit report at Comenity and can clearly see that I pay my balances in full every month and they have my credit score, which is excellent. It is very suspicious for them not to be reasonable about the fact that I did not receive their first statement when it is widely known and on the news that there are widespread USPS mail delivery issues. Also, the first statement was due on XX/XX/XXXX and I called them on XX/XX/XXXX when I received the second statement - a very short period of time, why wouldn't I have paid the bill 10 days earlier if I had received it? It doesn't make sense for them to be so unreasonable. Perhaps they are doing this to make money. It is completely unfair for them to charge me interest for a bill I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Currently applying for a Mortgage. The Mortgage company sent me a copy of my credit report and all three credit bureaus ( XXXX, Experian, XXXX ) display : 39-SERIOUS DELINQUENCY 18- NUMBER OF ACCOUNTS WITH DELIQUENCY I have no delinquencies on any accounts and with this, there should be no " number of accounts with delinquency ''. This marks against my credit are completely untrue and unjustifiable to be on my report.
Product: Debt collection

On XX/XX/2016, I contacted XXXX XXXX with Commonwealth regarding a medical bill from a car accident that is still in litigation. I provided my attorney contact information and the Insurance contact for the Responsible Party. XXXX XXXX was rude and unprofessional threatening me with bad credit if i did not pay debt that i am not responsible for. XX/XX/2016 I reviewed my credit report the debt has been reported inaccurately. 
I spoke with XXXX XXXX XX/XX/2016 again to only be disrespected, threatened and lied to regarding my account. He also stated he did not report my account to the Bureau. I am in the process of purchasing a home and this has placed me in a very difficult financial position.
Product: Payday loan, title loan, or personal loan

I purchased a new XXXX XXXX through XXXX. They use Citizens One bank for installment loans over 24 months. I called before applying for the loan and asked if I could pay a lump sum payment at the beginning of the loan to lower the payments through the life of the loan and was told that I could. They had to have the loan first in order for me to do this. I then called in today to make the lump sum payment to bring the monthly payment from {$43.00} to {$30.00}. They informed me that they can not do this. They said my payment is fixed and that they don't offer this. I informed them of the previous call that I had had with them and they said that it was unfortunate that I was given wrong information but that they would do nothing. I told them that I would not have purchased the phone had I had all the correct information and they did not seem to care. The seems like an illegal lending practice to advertise loan terms before a purchase is made and then change them after it is done. They told me they will be looking for a copy of the first call that I made but told me that even if I am right nothing will change. Literally all I want to do is pay them money to make the payment more affordable and they told me that I could do this before the loan was initiated.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding fraudulent accounts and inquiries on my credit report that resulted from a recent data breach. As a victim of this breach, I have already reached out to Experian to request the deletion of these accounts and inquiries. However, I am seeking further assistance and intervention from the CFPB to ensure that my credit report is corrected and that I am no longer being adversely affected by these fraudulent activities. 
Specifically, I am requesting the deletion of the following fraudulent accounts and associated hard inquiries. These items appeared on my credit report as a result of unauthorized activity linked to the data breach. I believe these items should be removed under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), which allows for the removal of fraudulent information resulting from a data breach. 

Accounts to Be Deleted : XXXX XXXX  Balance : {$260.00} XXXX  XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$360.00} Hard Inquiries to Be Deleted : XXXX Date : XX/XX/year> XXXX XXXX XXXX Date XXXX XX/XX/year> XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> I have already requested the deletion of these accounts and inquiries directly from Experian under FCRA Section 605B. However, despite this, I am still experiencing the negative consequences of these fraudulent accounts appearing on my credit report. As a result, I am seeking your assistance in ensuring that Experian properly addresses this issue within the timeframes required by law. 

Please confirm that you have received this complaint and keep me informed of any developments in the investigation. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. I have viewed my credit report and realized there are accounts that are reporting inaccurate, nor does it belong to me. I have listed in the report information of all accounts that were not authorized by me and need to be removed urgently. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

I personally called person hung up when i asked to pay debt in full person stated no we do not do that or make any deals just pay and you will see if debt is removed from credit. I asked if I could get a reciept the person said no just pay and you will see then if it will happen. Then I said ok so Ill just pay you and no record of my money is paid and the person said yes just trust us. I said no I am not doing that and then the person hung up and before that saying I am hanging on you you just pay or go away. What a non professional scam company. Please help cfpb want to settle this and this company is a scam never been to hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

It states that I open a new card with XXXX XXXX. I have never open an account with XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I have this company reporting on my credit report I have reached out to the phone number the company directs you to an email address I have requested via email to pay off the balance the email they provide sent a message stating that they will reach back with 3 business w its been over a week and the company has made no effort on reply there is no customer service phone number where you can speak to a representative yet they are negatively impacting my credit