23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX payment made XXXX. 
XXXX entered into system XXXX. 
The electronic data on the Freedom webpage indicated that the payment had been made. 
On XXXX I called Freedom to state that the funds had not come from my bank. 
The representative, A ... reviewed the payment and agreed it stated it was paid. He put me on hold. Upon return, he stated that the payment had just been reversed- at the last minute. He stated the account number had an incorrect digit. I asked why Freedom had not called in 5 days. He stated that Freedom Never calls back regarding incorrect routing or checking numbers, as some people who are in default, behind or in foreclosure use incorrect numbers on purpose. I replied to his astonishing statement by repeating what he said, that Freedom will not tell the majority of their good-paying clients that an account number is wrong and ask to fix the error. This kind of error is noted by most computers on other sites. I repeated to him that their website stated I had paid. He agreed that this error should not go to the credit reporting site. The two following agents argue vociferously that I was late. I repeated the above. The XXXX agent I spoke to would not allow me to speak to a supervisor, stating a supervisor would say the payment was late. The third agent my husband spoke to agreed that this electronic error should have been relayed immediately to us, as is common on most other electronic payments. This is an electronic error on Freedom 's part. This one error caused a XXXX loss on my account! My husband is a Vet. We are hard-working self-employed people. At times very good clients have to juggle funds, which causes payments to be a few days past the XXXX but not past the 30 days. The fact that Freedom states their policy is to not tell the client the account input is incorrect is egregious. Freedom knows the damage to their clients that is caused by their erroneous reporting to the credit agencies. Please listen to the recordings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Product: Credit reporting or other personal consumer reports

I have had several data breaches and wanted a copy of my credit reports. They said sign up for free credit report. Suddenly this thing they signed me up for was just throwing ads and offers at me with no way to cancel this free membership. I called the number, and it goes around in a circle. I searched on their website how to cancel free membership, and it shows how, but when you go to the link, it throws more adds at you for upgrading membership. I am too old for this stuff, and this is really getting out of hand. I can not find anyone to help me find out how I can tell if my information is on the dark web without wanting me to give them money! I don't know if this is a trial because they requested to be connected to my XXXX XXXX. I do not want to find out my money is being removed after 7 days of trial or something. I am learning somewhat of what these companies do to consumers like me. My membership ID is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a police report and talked to several high level managers within this company and was told that this should not be showing on my credit report as it isn't my account and was told even if it was they don't report to the bureaus as it was a prepaid card fraudulently opened in my name. When Experian reached out to them ; someone from their company lied and this information remained. Experian and XXXX keep shifting the blame between each other. This negative information has severely lowered my credit score.
Product: Bank account or service

Our choir has had a checking account with the same bank for many years. The account was always set up to not charge us fees. We only keep a small amount of money in the account and there is very little activity on the account. Sometime last year the bank ( PNC XXXX did a large change and began charging a service charge on business account. Our account was only set up as a business account so that we could receive free checking. That was the arrangement made by the bank manager. We received no letter regarding this change. I have been told that PNC just included the information on the statement when they made the change. I do n't think this was proper notification for a change as significant as this. Our account has very little activity and the statements went to our president rather than the treasurer. We did not see the change on the statement. We would have asked for the account to be closed if we had known about the service charge. A {$14.00} service charge makes no sense for our account. I have been trying to work with PNC to ask them to reverse the charges since we are not a business and since our agreement with the bank has always been to not charge us a service charge. I keep getting transferred to other departments and when I do get a call and I call the individual back and leave a message they do n't call me back. The bank has always worked with us to offer a free checking account. I realize that the bank has changed ownership, but I feel that the agreement should be upheld. They made a XXXX change without taking into account our situation. I can even understand the mistake, but I feel that the bank should correct the situation. As taxpayers we have helped bail the banks out when they got in trouble. I think it is wrong for them to take advantage of us in this way. I am requesting that the bank reverse the service charges and notify the collection agency that this is not a valid debt.
Product: Credit reporting or other personal consumer reports

My consumer Right 's have been violated15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c8 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates.15 USC 1681 ( a ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy
Product: Credit card

After my identity was stollen and and credit card was opened in my name a charge/purchase in the amount of {$620.00} was a made without my consent. This transaction was reported as a fraudulent transaction in 8 different times by me and was never credited my Macys credit card bank. I am making all necessary minimum payments at the moment to not effect my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX sold account to third-party company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with " The Fair Credit Reporting Act XXXX  '', XXXX XXXX XXXX reference 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account 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 : 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 XXXX XXXX  Account XXXX XXXXXXXX, 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 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 u.s.c 1681 Account Name... XXXXXXXX XXXX XXXX. Account # XXXX XXXX ..... 
XXXX XXXX XXXX... XXXX XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. 15 u.s.c 1681 section 602 A. States i have the right to privacy..

15 u.sc. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ... 15 u.s.c 1681 c. ( 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 crime which antedates the report by more than seven years ... ..15 u.s.c 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX  XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate and fraudulent address on my credit report with Equifax, XXXX, and XXXX credit bureaus. I have had identity theft and fraud in the past and on XX/XX/2022 I disputed these fraudulent addresses and phone numbers and to this day they are still there. I have mailed in a copy of my drivers license which has my correct and current address along with a utility bill. I have asked that all previous addresses listed be removed as they are inaccurate, fraudulent, and or undeliverable. As of today I have had no response from any credit bureau and the information is still there.
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX XXXX XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is  wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Debt collection

Hi, I have reached out to the company before. 

They are attempting to collect a debt that is not accurate. I have NEVER lived or EVEN received a key to live at the apartment complex. 

I filled out an application, they sent me a lease to read over and SPECIFICALLY told me the lease wasn't final UNTIL I paid the deposit that was REQUIRED to move into the apartment. 

How it went from that to contacting me several months later saying I broke my lease and only lived on the property for a week is fraud! I feel I was forced into something that they knew they were going to commit a fraudulent act. 

I refuse to pay this debt when I lever lived in the apartments and the debt collector nor the owners of the apartments will help me. I will take legal action if this matter isn't resolved because Its causing me stress and anxiety and causing my credit to get me denials. 

I have never even had a light bill in the address mentioned. Its never been listed as an address of mine. SO how could I have lived there with no utility bills matching. 

Thanks you for verify the details of this " lease '' debt that with the debt collector. The leasing agency and the debt collector seem to be trying to squeeze the little guy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX  XXXX  XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.
Product: Student loan

ACS sent me a XXXX which I do not recall when I received it. Around the XX/XX/XXXX I received a letter from the IRS saying that I owed {$890.00} in taxes from my XXXX taxes due to the XXXX. I had spoke to our tax lady and she said that I needed to find out why I received the XXXX. That ACS must have filed the wrong paperwork. Within a two days I located the XXXX and called ACS. On the phone the lady said, " We knew that the IRS would think that we sent you a check for {$3000.00} and we were waiting for you to get paperwork so you could send it to us. '' I said something like I do n't understand, this does n't seem right. She explained that in XXXX of XXXX there was an audit on my account and they lowered my principle balance by {$3000.00} and that is what the XXXX is for. She said, " When you send us the paperwork we will send you a check. '' I restated that this does n't seem right. How can I pay taxes on money I did n't get. She said that is just how they do things. I said that It 's not right and then asked if they were going to just pay the taxes or send a check for the full amount. She said, " No, the check will be for the whole amount. '' I said, " So you are sending me a check for over {$3000.00}. '' She said, " Yes, for {$3000.00}. '' I again said this does n't make any sense. Within a couple days I emailed a copy of the IRS papers showing what we owed for taxes. On XX/XX/XXXX I called to find out what was going on. It was a different lady on the phone. She looked up the records and said, " A check was cut for {$890.00} and yesterday. '' I explained to her the conversation that I had with the first lady. This lady said no, I am sorry that you were told that. We just pay the taxes. I questioned how it was right to pay taxes on money that I did not receive. She said that is how we do things. I again stated that this is not right. I received a check on the XXXX XXXX for {$890.00}. This did not cover all that it cost me to fix this issue. There were fees from the IRS for paying with a credit card. I felt I had to pay it with a credit card so that there would not be any additional late charges. I am wondering what kind of tax relief or break they received from IRS to be able to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress.This was my 5th attempts to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information that are reporting to my credit file held with credit bureaus. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened my account. I need the following items removed from my report ASAP : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$600.00} ; XXXX  XXXX XXXX XXXX Owed : {$680.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXXXXXX Balance Owed : {$600.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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: Debt collection

Complaint to : Credit Collection Services. XXXX XXXX XXXX, XXXX MA XXXX. Call Center XXXX. File number XXXX They are attempting to collect a debt that is NOT VALID. This debt is also PAST THE STATUTE OF LIMITATIONS FOR COLLECTION IN CALIFORNIA. 

I have told CCS multiple times they are not legally allowed to collect this debt, as well as requiring verification. They will not verify the debt. 

They have told me in the past the debt was removed, so it is alarming and concerning they are still pursuing it. 

Again, the debt is 1. not valid and 2. even if it was, they are harassing and threatening me beyond the XXXX. 

I hope they remove the debt as is required before I file a lawsuit against them, which I have no problem doing.
Product: Mortgage

The XXXX family was supposed to receive close to XXXX for new mortgage and with company, employee lied and basically told us that we was going to receive this money in order to continue and we said okay our old mortgage company only provided us with a check for {$XXXX} That's not what we signed up for we can not move forward with a new mortgage of {$XXXX} more than what we were paying for my previous mortgage company, they refuse to work with us so we basically wanted to start a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by XXXX. I contacted XXXX XXXX XXXX ( the servicer of my mortgage ), about the forbearance being offered. I was instructed that while I am on a forbearance my credit would not be affected in the negative. During my forbearance, the Principal of my loan has been reported to the credit bureaus as {$170000.00} XXXX. Im at the end of my forbearance, I contacted XXXX XXXX XXXX XXXX and are working with them on the back payments. XXXX XXXX XXXXXXXX XXXX  has extended the forbearance 2 months while working on a deference. I received a mortgage statement dated XX/XX/2020, the outstanding Principal is {$170000.00} XXXX, however on XX/XX/2020, XXXX XXXX reported to the credit bureaus the Principal as {$170000.00} XXXX. This has dropped my credit score, when contacting XXXX XXXX XXXX XXXX with the issues I was told this not reflected in their system and was questioned on IF this really happen. I am not sure if they are or have done anything to correct this problem.
Product: Credit reporting or other personal consumer reports

This is my complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPTEDXXXX XXXXXXXX Balance {$4300.00} DEPTEDXXXX XXXXXXXX Balance {$11000.00} XXXX XXXX XXXX XXXX Balance {$3100.00} XXXX XXXX Balance {$0.00}
Product: Debt collection

I person by the name of XXXX called me in regards to a medical debt I was unaware I owed, I explained I was in middle of work and could n't speak to him at the moment, he proceed to call my cell a total of 5 times within a 3 hour span. 
I called him back and asked to be sent an invoice because how did I know if it was n't a scam, and I would n't give my credit card information over the phone. 
A few days passed I did not receive anything in the mail, XXXX called my work and asked to speak to my boss, he told my boss to have him call me back or I would be in serious problems. He then called again and asked to speak the HR director, he then called again to obtain my extension number. 
I called him back and asked him to not contact my work number and to not speak to anyone at my work in regards to him trying to collect a debt. I explained I still had not received anything in the mail, which then I realized he did not have my correct mailing address, I gave him the correct mailing address. 
2 days later he called me a series of 10 times, 3 times leaving a voicemail, I was not able to answer the phone because I was in meetings, he then called my work number and spoke to customer service asking if I was working and in the office. 
I called and asked to speak to a supervisor and asked said supervisor to remove my work phone number because the employee XXXX has been harassing me at work, I again asked for the invoice to be mailed. 
XXXX called the next day my work phone and spoke to customer service, he then called my work extension and left a message. 
I again called a supervisor to ask for XXXX to stop calling my work. 
XXXX again repeatedly called me my work phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a line of credit of {$4000.00} with Upgrade. My issue is that they do not file my credit limit but just my negative balance. By doing this they are making my credit file inaccurate every month. My credit file shows I'm using a higher percentage of my available credit. This is making it more difficult to get credit and competitive rates for credit.
Product: Debt collection

I have received another debt collection letter from McCarthy Burgess and Wolff in the amount of XXXX. 
XXXX XXXXXXXX XXXX XXXX on XXXX/XXXX/2021 and then I received collection letter dated XXXX/XXXX/2021. ( approximately 20 days ) there is no balance on the account XXXX as it stands now.