23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C 1681. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681S-2 ( A ) ( 1 ) A PERSON SHALLL 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: Mortgage

In XXXXXXXX XXXX, a Home equity line of Credit loan matured.Citizen 's bank tried to foreclose on my house, in which I was able and willing to continue making payments. I went for 4 years to court and had to hire 2 Attorneys to plead to keep my house before Citizen 's bank made a " deal '' using the HARP Program to allow me to keep my house and resume payments. I find it unfair to charge me as part of the HARP Program agreement, to pay for Citizen 's bank Attorney fees, which total {$11000.00} of the balance owed to Citizen 's bank!
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I have been a victim of identity theft where accounts were fraudulently added to my credit report. Some accounts were removed and added back years later as well as new accounts being added that were opened and never reported for years. I have contacted each credit bureau with proof of police report starting XX/XX/XXXX up to the recent last police report in XX/XX/XXXX these updated accounts still showing on my credit report. As of today, there are several accounts that have not been removed, and no proof of a signed signature or contract has been sent to my address. It has takes over 60 days to get a response back from these credit bureaus and the option to dispute online has been restricted.
Product: Credit card

I received an email with a credit card statement on XX/XX/XXXX and it stated my minimum payment due was {$4200.00} but my total balance on my credit card was {$6100.00}. I have always paid my minimum payments on time and they have never been more than {$200.00}. My minimum payment due was more than half of my balance. I called in to customer service and was told to wait until my {$800.00} payment was processed and that it would be fixed. Once that {$800.00} processed I called back in on XX/XX/XXXX and spoke to another customer service representative who told me she was going to create a case because she did not understand why my minimum payment was so high. The representative told me she had never seen that before since working there. The case number she gave me was XXXX I was told it would take 7-10 days to get a response. I called back in after 7 days and was told they still had not reviewed my case. I chatted with a representative on XX/XX/XXXX and was told to wait an additional 2-3 days to receive an answer and that they were busy. My due date is on XX/XX/XXXX, I have never had a missed payment on my credit cards and now this will affect my credit and most likely American Express will put a lock on my card to not be able to use it. All I am asking for is that my issue be resolved. I have had credit cards for over 10 years and have never in my life seen something like this happen to my account. I do not have a limit on my credit card. I have an account that I do not have a preset spending limit ( please see screenshot of my account where it states I do not have a limit ). Each representative that took a look at my account said there was no reason why my minimum payment due was so high. I need a resolution as soon as possible. This has been the worst experience with American Express Ive ever encountered
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized credit inquiries appearing 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
Product: Debt collection

DISCOVER CARD HIRED XXXX SKIP TRACING COMPANIES, AND COLLECTION AGENCIES TO COLLECT A DEBT FROM ME ON BEHALF OF MY ESTRANGED BROTHER. CALLS, LETTERS AND VALIDATION IN VIOLATION OF TCPA, FDCPA FTC ... HAVE VIOCE AND WELL DOCUMENTED EVIDENCE.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue of late open accounts on my credit report. This marks my second attempt to rectify this matter, and despite my efforts, the discrepancies remain unresolved. It has come to my attention that there are late open accounts inaccurately reported on my credit file. Despite my initial dispute and subsequent attempt to correct this error, the late open accounts persist, casting a shadow on my creditworthiness and financial reputation. I have diligently followed the procedures outlined by your organization to dispute and rectify inaccuracies in my credit report. However, the lack of action and resolution from your end is concerning and unacceptable. It is imperative that accurate and fair reporting is maintained to ensure the integrity of my credit history. I urge you to conduct a thorough investigation into the late open accounts and take immediate action to rectify this matter. The persistence of these inaccuracies not only affects my ability to access credit but also undermines my trust in your organization 's ability to uphold fair and accurate reporting practices. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$960.00} ; XXXX XXXX XXXX Balance : {$290.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The List of account below has violated my federally l protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX XXXX  # 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.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of a crime which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Debt collection

I got a phone call on XX/XX/2019 saying that I have debt ( {$300.00} ) owed to XXXX XXXX XXXX, which I never visited before. The representative says she is from FAIR CAPITAL LLC. XXXX License # XXXX XXXX. 

The company also knows my personal information, so I'm afraid it is either a fake debt collection company or it is a real one that steals my personal information to scam me.
Product: Credit card

well two months ago i riceived a america express gold bussiness around XX/XX/2016. had the card lee then 2 months.and then on XX/XX/2016 america express cancel the card stateing that my the other person need to be check out because she use her card more then the owner was used her card.
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 confidentially under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX has violated my rights. 

Account name : XXXX XXXX Account number : XXXX has violated my rights. 

Account name : XXXX XXXX. XXXX has violated my rights. 

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 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my permission.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 
XXXX XXXX XXXX : {$0.00}
Product: Debt collection

This company has reported to the bureau an account that does not belong to me. According to the Credit bureau who is reporting this claim failed to make sure that the company completely validated this this is not mine. The account Number is XXXX. 100 % POSITIVE THE ACCOUNT IS NOT MINE
Product: Mortgage

Property Taxes/Ecsrow Account Delinquent due to non payment by LoanCare. I mailed my Property Tax Statement to LoanCare on XX/XX/XXXX. As of XX/XX/XXXX, my property taxes still have not been paid. I have called numerous times, emailed customer service numerous times, have been told that the payment will be mailed by " Friday '' numerous times and they STILL have not paid my property taxes!! I have attached my documentation of phone calls and conversations with dates and names of people that I have spoken to. I am very dissatisfied with the service of LoanCare!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS ON THERE THAT ARE NOT MINE. PLEASE REFER TO ATTACHED IDENTITY THEFT POLICE REPORT, CASE # XXXX ACCOUNTS TO BE 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 XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX ( {$800.00} limit ) XXXX XXXX XXXX, # XXXX ( {$550.00} limit ) XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX THANK YOU, XXXX XXXX
Product: Debt collection

I am stressed and struggling lost wages income last two years and mariner finance keep only emailing me 8 time never giving up and please leave me alone also I am XXXX and illness
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding incorrect information on my credit report, which I reported to XXXX on XX/XX/XXXX. As of this date, I have not received any response or resolution from XXXX. I would like to provide the following details about the inaccurate information and request the necessary corrections : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Status : Not mine ; please remove it from my credit report. 
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Status : Not mine ; please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint back on XXXX XXXX XXXX with you. It was regarding tax liens still remaining on my credit report with Equifax that should have been removed when the new guidelines went into place on XXXX XXXX for removing civil suits and tax liens as part of the settlement with the CFPB and the credit bureaus. Here is the case number for that original complaint XXXX. 
The company responded back stating it was verified as reporting accurate. The same auto responses they gave me when I disputed it on their website. 
This is NOT possible to be verified as accurate. In fact both of the other bureaus, XXXX and XXXX XXXX did just the opposite of Equifax. They verified I did meet the guidelines and removed them all from my credit profile. Here is the response from XXXX XXXX I received when the CFPB contacted them. 
Company 's Response We have reviewed your complaint along with the information you previously provided regarding this issue. In response to your request on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, we initiated an investigation into the XXXX XXXX County/Recorder of Deeds, XXXX XXXX XXXX XXXX XXXX XXXX of Deeds tax liens and they verified the information as accurate. However, after reviewing the activity on your file, along with the information in our data base, we have deleted XXXX XXXX XXXX XXXX # XXXX & # XXXX, XXXX XXXX XXXX XXXX of Deeds # XXXX, # XXXX, # XXXX & # XXXX and XXXX XXXXXXXX of Deeds # XXXX from your XXXX credit report. 

I expect Equifax to correct this mistake and delete these text things from my credit profile just like the other two bureaus did.
Product: Debt collection

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC XXXX ( XXXX ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Product: Credit card or prepaid card

Barclay Card has closed all of my accounts as what they claim 'negative experience ' without detailed information in 2018. 

I have over $ XXXX available credits with all other banks and over 100 credit cards and 15 years ' experience with no 1-time late payment or delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have various inquiries on my credit report XXXX and equifax as well as false personal information that Ive tried to have removed because I did not allow it nor did I apply for it
Product: Debt collection

For the first time since the age of XXXX, I have found myself without a job. As I am now in the middle of a wrongful termination suit that has gained the attention of many LGBT organizations, I am doing my best to maintain my bills and keep a roof over my head. I have remained communicative with One Main Financial regarding the status of my fianancial situation and they have been more than accomodating. However, today, I received a threatening phone call from the gentleman that originally set me up with my loan. He got extremely defensive and LOUD!!!! To the point he was yelling and would not allow me to state my case. I told him that I am currently without income and have XXXX cents to my name. At this point, he stated, " do you not remember the contract? Whaty are you going to do? You said you would make a payment every 30 days? What are you going to do? '' I told him that I have no clue what I am going to do as I am personally at a loss at this point. He stated that he will just continue to call me every single day until I make a payment. '' I stated that I will file a claim for harassment if he wants to continue with the threatening tone and continually berate me to the point I am feeling scared for my safety because he has my address. He then states that I need to get up and get a job and take care of my business like someone responsible. He told me that I can file a claim against him for harassment, but I can't do anything because I signed a contract. At the point of tears I did say " well listen sweet heart! '' This really set him off. He starts yelling even louder to the point he finally just hangs up on me. I am still shaken by this conversation and feel thereatened and afraid for my safety.
Product: Payday loan, title loan, or personal loan

I have a payday loan from 2013. I have a person ( not the company ) continuously calling my work, calling from multiple lines at the same time, harrassing me and my company. The calls are disrupting out work. The caller has used multiple lines including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two charged off accounts on my Equifax, XXXX from XXXX - XXXX and XXXXXXXX XXXX. XXXX and XXXX Accounts have been charged off on my Equifax for nearly 8 years and I have disputed them with this credit bureau and the accounts have yet to be removed only the remark has changed that I have disputed.
Product: Credit card or prepaid card

I received a prepaid gift card from a family member as a gift on XX/XX/2023. It was purchased in XXXX XXXX  I believe on that day. 
After about a week I attempted to use the card and it was declined. I found after checking the balance that all the funds ( {$200.00} ) were fraudulently spent on the card before I even removed it from the packaging. There were two transactions on the card draining all {$200.00} before I even tried to use it the first time. 
I read the terms and conditions with the card and followed their instructions to report the fraud and file a claim to recover the funds. 
After receiving a case number from the representative, I sent the case number and details to the email they instructed. 
I was told I would receive an update in 7-10 days on XX/XX/2023. 
I followed up two more times and have not received any response at all. It has been nearly three months and I have not been contacted at all.

The card company will not respond to me and I have no status. It seems they are ignoring me on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Acct # XXXX {$210.00} $ XX/XX/2022 XXXX XXXX XXXX {$160.00} $ XX/XX/2022 Acct # XXXX XXXX XXXX XXXX {$260.00} $ XX/XX/2022 Acct # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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 was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

TRANSUNION Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I am very sad and dissatisfied at capital one because I have work very hard to become current with all my 3 credit cards with capital one I have done payment for he past 3 months and this people decided to restrict my account now one is already back to normal but I was charge an annual fee for 2 cards the one ending in. XXXX and XXXX the reason of why I fall behind on my payments is dude to an emergency that is been going on for so long my grandmother and grandfather health issues this was a temporary thing but now it has expanded as both of my grandparent were having health issues once again and it is impossible for me to give a higher payment every month to bring my account Down as much as possible I have tried my best and I even got enrolled in to a program that supposedly was helping me out but in reality it is not the interest fees and cash advance fees are killing me for every minimum payment I make once he interest charges hits or cash advances hits the balance increases and he balance doesnt goes down much. I spoke to a female supervisor that said she would look out and see my options but she only call me once and nothing was settled I explained her my situation financially as I been struggling for both of my grandparents health problems I concider them like my second parents I called them mom and dad. All I want is help from capital one and see if they can please wave me the interest fees and cash advance fees something that can help me out. I am happy to be part of capital one because its been. While but sometimes I feel like they dont really care wen it comes to problems wen customers struggle financially like Im doing at this moment I also want all my accounts to be not restricted they said they will re open them after I completed 3 payment I have completed at least 3 to all accounts if Im not mistaken.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was my second time contacting XXXX XXXX credit bureau about fraudulent activity, On my Credit report do to im a victim Of Identity theft, the criminal clearly found someway to contact XXXX and provided all of his information, I already told XXXX XXXX that, That was the wrong information. They had the wrong name address, and a bunch of fraudulent inquiries that I never consent too. when I asked them to help me and change the information, They told me no I had to go to their maintenance and then hang up on me
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have an unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is unauthorized inquiry listed. 
XXXX XX/XX/2023