23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

MAKE THIS CLEAR : THIS WAS NOT MY LOAN Continental Credit in XXXX, Oklahoma initially called me XXXX/XXXX/16 @ XXXX asking to speak to my ex-wife of 4 years. I explained that I did n't know where she was or how to get in touch with her and asked them to please remove my number. The lady was very nice and apologized and stated she would be sure and get my name off of her file. 
XXXX/XXXX/16 @ XXXX received another call from continental credit again asking to speak to my ex-wife. I told the same lady again that we had been divorced for 4 years and I did not know how to get in touch with her. I made it very clear that if my name was not removed I would be filing a complaint. Again, she apologized and stated she would get it removed. 
XXXX/XXXX/16 @ XXXX received another call from them, this time I was unable to answer and the lady left a message " XXXX you need to call me at XXXX today '' this call has led me to file a complaint. I can provide all phone records if necessary. My next step will be a law suit if the calls do not stop.
Product: Money transfer, virtual currency, or money service

Missing money being overcharged, not able to reach a live person and data breach information
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 )
Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Debt collection

I defaulted on this loan almost two years ago. I called to notify them I would be defaulting. When they called I attempted to make arrangements that I could afford, they said the amount was unacceptable. I repaid the loan amount, not the interest. 
Today a company, XXXX, called my mother and told her I 'd used her information to get a loan and fraud charges were being brought against me in XXXX XXXX tomorrow. 
I called them and said I needed info sent in writing. 
Then my mom notified me the same company, XXXX, called her stepson and told him fraud charges were being filed against me in XXXX XXXX. 
I called XXXX again and asked that they not contact anyone else because they have by mailing address and phone number.
Product: Credit reporting or other personal consumer reports

I want these inquiries deleted as I did not authorize these companies to run my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX XXXX, 2016, I received my first communication regarding a supposed debt from Hollis Cobb Associates, which is a collection agency. The agent, however, failed to advise it was a call from a debt collector but instead falsely advised it was a call from a doctor 's office. Moreover, the supposed debt is invalid, yet I was not provided the information required by the FDCPA in an initial communication so that I can submit a written dispute and request that I receive no further telephone communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint against Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute certain information that I believe is erroneous. However, I have not received any response or resolution from Equifax to date. The following are the details of the disputed accounts and the required corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Because of the incorrectly reported data, I request that Equifax verifies the accuracy of the Balance of {$1000.00} for this account. I do not recall owing such a high amount, and the Past Due amount should not be provided for this closed and charged-off account. Please mark this account as disputed to prevent any further negative impact on my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} I require Equifax to verify the information reported for this account, as the Balance of {$330.00} is inaccurate in my recollection. The Past Due amount should not be presented for this closed and charged-off account. Kindly mark this account as disputed while I resolve my dispute with the creditor, so that it is not held against my credit standing. Moreover, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} The account XXXX  needs to be examined due to incorrect reporting. The Balance of {$600.00} that you report seems to be higher than the Balance that I remember. Your agency presented this account as closed, so the Past Due amount is not supposed to be provided for this account. I think it may be beneficial to address the misleading data directly with the creditor. I am determined to immediately proceed with such a course of action, but I need your agency to report the account as disputed while I'll be trying to find a solution. 


Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$10000.00} This account was never late, and I request Equifax to correct this inaccurate information on my credit report. 


Account Name : XXXX  ( Duplicate entry ) Date Opened : XX/XX/XXXX Balance : {$600.00} This account was never late, and I request Equifax to correct this inaccurate information on my credit report. 

I am deeply concerned about the inaccuracies in my credit report, as they have significantly impacted my creditworthiness. These errors have the potential to affect my financial opportunities and obligations adversely.
Product: Mortgage

My mortgage originally was with G.M.A.C. mortgage services. G.M.A.C. filed bankruptcy and Owen loan servicing took over the servicing of the loan. They reported the mortgage for a period of 6 months and then closed the account showing that the loan was transferred to another lender when in-fact they were the company servicing the loan. At this point i have disputed this several times with no success. Ocwen, to this date still have n't shown the account open and it 's now been still showing closed on my credit file for a period of 13 months. I am never late but it has affected my credit score by them not showing that i have an open mortgage on my current credit file. I 'm totally frustrated with this situation and i know that other consumers are experiencing the same level of no service from Ocwen mortgage servicing.
Product: Credit card or prepaid card

Since opening of acct. in XXXX XXXX Synchrony XXXX XXXX XXXX XXXX credit line XXXX XXXX I use and pay off ( for gasoline to get to work ) I have attempted to login and pay balance XXXX Thru XXXX I have trouble logging in, receiving alerts, trouble with telephone number using manual payment with debit card. I have tried several times throughout day, lunch breaks, before XXXXXXXX XXXX  weekends. Website as well as application would not allow me to login. Multiple times called automated system and asked to Be redirected to CSR or live agent, when I was transferred yesterday I was ingormened that my acct. would be deleted and I would have to re-register, since then the website and app. After several, I mean 10- 15 pictures, let me past security recapture then when I enter my correct info. Tells me that i entered info wrong. I have several screen recordings at different times and days to prove this. I have tried again and again to get to speak to someone today with no luck.
Product: Consumer Loan

I just paid off a credit card from Bank of America on XXXX XXXX, it was due XXXX XXXX was surprised to receive an e-mail from them today telling me I owed them {$64.00} in interest. I am not upset, I just think that the credit card companies should emphasize on their statements that in order to payoff a credit card completely the consumer needs to call the company and get the calculated amount necessary to payoff the account. I do n't understand why the statement closing date and the payment due date are almost a month apart. It 's almost as if they want you on the hook forever.
Product: Credit card

The Sychrony issued excessive credit to me through Walmart, and Amazon. Now, I 'm learning that i 'm over extended and unable to repay this creditor for XXXX seemingly different accounts.
Product: Credit card or prepaid card

They have raised my interest rate to 31 % making it impossible to pay the card off and I recently called asking to waive a {$40.00} late charge as a ONE time courtesy and they refused stating because my account was closed. This courtesy is affording to other clients but I have been alienated due to my financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Utilization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) consumer report, and I noticed that it is reporting my experience with your company. 
The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 
XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX line of credit XXXX XXXX XXXX XXXX auto loan No actual account numbers so this is violation Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) XXXX XXXX XXXX and the person ( YOU ) XXXX XXXX XXXX XXXX that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX line of credit XXXX XXXX XXXX XXXX auto loan No actual account numbers so this is violation Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and asked the XXXX and Equifax to do an investigation to make sure everything was complete accurate according to 15 USC 1681i.

I waited over 30 days and have not had a response from them. Here are my tracking numbers ; XXXX is XXXX XXXX XXXX XXXX XXXX, it was delivered XX/XX/23 and Equifax is XXXX XXXX XXXX XXXX XXXX, it was delivered XX/XX/23 These credit bureaus are holding me back from expanding and growing my business. It's very frustrating because these credit bureaus are not following the law.
Product: Credit reporting or other personal consumer reports

This account that i had with comenity bank was charged off when i paid the balance to XXXX they claimed that they could collect interest on a XXXX dollar balance. I asked them to send me the credit card statements they stated that they didn't have that information anymore that they sold the debt XXXX XXXX  can not prove to me that the account should have been charged off i have asked Experian, Equifax and Transunion to investigate they always come back as if the debt is valid but when i call XXXX XXXX i am told they cant even access the account so how are the accounts coming back as valid
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple fraudulent inquiries on my credit report that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Costco Citi Bank Card and requested a credit increase. To do so, I was required to unlock my frozen credit. The first XXXX times, I was requested to unfreeze XXXX. I did so, and was told the credit was frozen. On XX/XX/2022 Citi told me to unlock XXXX which I unlocked for XXXX weeks. I again received a denial because my credit was locked and needed to unlock XXXX. I called on XX/XX/2022 and spoke with XXXX with Citi. She requested I unfreeze my credit with XXXX. I unfroze my credit until XX/XX/2022 and requested she make a follow-up call. 

XXXX called me today, XX/XX/2022 and said my credit was frozen with XXXX and it was my problem. She tried 2 times with her back office and both times it was shown as blocked. XXXX refused to escalate the problem with Citi. I verified on the XXXX site that my credit was unfrozen. XXXX is unreachable.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$9100.00}
Product: Vehicle loan or lease

I received a letter in the about refinancing my XXXX XXXX truck, purchased in XXXX. The company was Autopay, I applied on line XX/XX/XXXX, on XX/XX/XXXX I was denied. My credit scores were in the XXXX. On XX/XX/XXXX I received an email to reapply, I did and was approved on XX/XX/XXXX. I filled out paperwork on line, I had papers noterized and sent XXXX. I was given all the information on a new loan rate, company and dates for new payment. They continue to have me send documents, some duplicate, last being more check stub copies and W2 form on XX/XX/XXXX. Since I've emailed, texted and called the company. They stated my loan was approved and someone would call but nothing since XX/XX/XXXX the. My loan XXXX was XXXX XXXX. The XXXX who was supposed to contact me, was XXXX not sure of that name. I last contacted them XXXX. I have all the emails and texts sent
Product: Credit card

USBank unfairly assessed me hidden charges to allow my debit card to gain a negative balance, then assessed me unfair charges for being overdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keep adding a debt that has been discharged in chpt XXXX bankruptcy to my credit report the initial account was opened in XX/XX/XXXX and was taking off my credit report at the beginning of the month of XXXX and then it was re-added XX/XX/XXXX as a closed account causing my score to drop a 133 points over night I have addressed this issue with them and want this resolved ASAP this account is no longer valid and should stay off my report permanently
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Experian, XXXX, and 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in violations. 

According to 15 USC 1681i Experian, XXXX, and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XXXX  has be verified as accurate and updated but yet hasnt updated status as disputed and Experian has the account listed as open when its closed. Evidence provided below
Product: Credit reporting or other personal consumer reports

I requested a verification and validation of this account and the debt. I have sent three different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over 60 days now, and I have received no response at all from. I sent the first notice on XX/XX/XXXXXXXX then again on XX/XX/XXXX, and again on XX/XX/XXXX. Each notice was sent via USPS Priority Mail and was verified as delivered via the XXXX tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to address an issue with my account, which currently holds a balance of {$210.00}. Recently, I was requested to upload my National Identification Card for verification purposes, which I promptly did. Despite adhering to the one business day waiting period for processing, my account has unfortunately been limited instead of approved. 
As a professional working with a registered company, XXXX XXXX, I am concerned about this unexpected limitation. I must understand the specific reasons behind this action. Furthermore, the prompt resolution of this matter is crucial as it directly impacts my financial transactions. 
Therefore, I request a detailed explanation regarding the limitation of my account and urge for a swift resolution to regain full access to my funds. Your prompt attention to this matter will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX  filed a collection on my credit report. They operate on behalf of XXXX. as a debit collector. It was only through my credit reporting agency that I found out about this collection. I was not contacted by phone, text email of postal mail. 
The claim is against a person named XXXX. My name is XXXX  and I explained to XXXX XXXX XXXX  and XXXX that there is an error in collecting from me. 
XXXX asked me to submit a Fraud Report that may or may not apply to this issue and I have done so. It seem to me that XXXXXXXX XXXX XXXX simply pinned the claim against me because I have a similar name and is not based on anything else. 

XXXX has my records going back several years and I remain in good standing with them. But my credit report in impacted from excellent to good. This is also a negative hit on my report.