23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm next to livid with all three agencies in the wake of the XXXX breach. First, no consumer should have to pay a fee to safeguard their financial identities and livelihood because of irresponsible reporting agency actions. It 's infuriating, and I plan to contact state legislators in Virginia about a fix. 

Second, I 've successfully frozen my report at 2/3 agencies. Experian has proven to be the least user-friendly site. It asks for your credit card information BEFORE verifying your identity. And multiple times, I 've attempted to place a freeze online to be told I can not be offered this service at this time and that I 'd need to MAIL them a host of documents verifying who I am. It seems infuriatingly odd to me that they are making it as inconvenient as possible to freeze your report. Additionally, there 's no easy way to speak with a customer representative when trying to file online. It 's online ( unsuccessfully ) or via certified mail, another cost to the consumer, or not at all. 

Additionally, I have issues with their previous address field. They often have specific requirements for how you enter the address and no guidance on specifications for that field to ensure it works seamlessly with their identity verification system on the backend. This can result in failed attempts as well with NO GUIDANCE as to how addresses should be entered into the form with multiple parts ( like apt . # 's, etc. ). 

Quite frankly, these companies are the WORST! The balance of consumer and business interests is way out of whack. XXXX would not accept my debit card to pay for this freeze, and I went with an alternate payment card, but still had THREE attempts from them on my pending transactions list at my bank, which they 've assured me would come off in 3-5 days. Yet, my bank can only see one of the transactions has been manually cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX using my credit information improperly having XXXX plus dti less than 10 % fcra violation company should be audit or check if they are treating customers fairly XXXX was sued b/c of giving other race credit please have them reconsider or look at if these company are using unfair practices
Product: Debt collection

On X/XX/2017 I reached out to the following companies asking them to prove and send documents that I owe this amount and until this day I have received nothing! They repeatedly called me and other family members requarding this situation. If you say I owe this debit send the all the documents stating I do. I have to right to see everything you say you have against me. It has even been law offices calling and writing me about these debit. The companies are as follow XXXX XXXX {$1700.00} XXXX {$12000.00}
Product: Debt collection

A few weeks ago I started to care for my credit and trying to build it up since I have never used my credit in the past, while checking my I discover some derogatory remarks in my XXXX credit report stating the amount owed of {$1900.00} to XXXX from XX/XX/2015 and another one owed to XXXX for {$1700.00} I would like to address this immediately and either pay off this debt or get this negative remark remove from my report.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting or other personal consumer reports

My vehicle was robbed multiple times, my purse was stolen with all of my information in it. I filed complaints with the XXXX XXXX Police Department. As a result, there has been fraudulent accounts opened up and fraudulent inquiries on my credit report. I provided proof that they arent my accounts and the credit bureaus isnt deleting the false info from my credit report.
Product: Credit card

I have exceptional credit XXXX and they will not reduce my of 27.24 %. I have repeatedly tried to get to a lower rate and they have not interest in adjusting it.
Product: Debt collection

YOU ARE REAGING THIS DEBT ILLEGALLY, THERE HAS BEEN NO ACTIVITY ON THIS ACCOUNT, NO PAYMENTS, AND NO CONTACT, AND YET YOU CONTINUE TO ILLEGALLY REAGE THS DEBT BY CONSTANTLY UPDATING THE DATE OF LAST ACTIVITY. THERE IS NO ACTIVITY ON THIS ACCOUNT, AND YOU ARE VIOLATING FDCPA BY PROVIDING FALSE INFORMATION TO THE CREDIT BUREAUS, PROOF IS IN THE 2 CREDIT REPORTS I AM SUPPLYING. I AM DEMANDING THAT YOU IMMATERIALLY DELETE THIS INFORMATION, AND CLOSE THIS ACCOUNT FOR VIOLATIONS OF THE FCRA, AND FDCPA. I USED THE CASE LAW US VS NCO INCORRECTLY, THIS IS HOW IT NEEDS TO BE USED. YOU ARE COMMITTING THE SAME VIOLATIONS AS XXXX, AND YOU ARE CAUGHT, THE PROOF IN IN MY CREDIT REPORT! YOU ARE DOING THIS MALICIOUSLY TO KEEP THE DEBT CURRENT, AND EXTEND THE SOL DATE AS TO WHEN THIS ITEM WILL FALL OFF OF MY CREDIT REPORT! YOU ARE DOING THIS ON ALL OF THE ACCOUNT ON MY CREDIT REPORT! THE DATE OF FIRST DELINQUENCY SHOULD BE SHOWN AS XX/XX/2018 WHEN THE BILLS WHERE GENERATED. YOU ARE DOING THIS TO DO CONTINUOUS DAMAGE TO MY CREDIT AND SCORE, AND ADD TIME TO WHEN THE ACCOUNT WILL FALL OFF MY CREDIT REPORT. THIS IS NO ERROR, I HAVE EVIDENCE THAT YOU ARE CONTINUING TO UPDATE THIS DATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Information Was Used Fraudulently. I Didnt Make These Inquiries 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA
XXXX  
NAVY FCU
Inquiry: XXXX XXXX XXXX  -
XXXX XXXX XXXX XXXX XXXX XXXX  
NAVY FCU
XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA
XXXX XXXX XXXX
Product: Mortgage

I have been attempting to work with this company after a Covid19 forbearance for over two years. The original issue arose because I didn't understand that the forbearance period was only 3 months. As soon as I realized this, I attempted multiple times to extend the forbearance. All my attempts were rejected. Then I tried multiple times to defer the past due. Rejected. 

I paid the mortgage EVERY SINGLE month after that but the company continues to report me late every single month because, with the humongous interest and penalties they keep adding, I can never catch up. I am paying well over the monthly payment every month but they continue to report me late every month because my overpayment can't even make a dent in the almost XXXX XXXX DOLLAR interest and penalities they added to my account. 

The company told me that they do not have to help me because this is a line of credit and not a mortgage, and that they were not bound by the rules of the CARES act. They offered a ridiculously short forebearance and then refused to defer the forbearance amount even though I provided ample proof that I had no rents and no employment because of Covid. Then they piled on heavy interest and penalties and trapped me in a cycle from which I can never escape because I can never afford to pay it off. They refused multiple requests to defer the amount or waive some or all of the penalties. Because they keep falsely reporting my payments as late, my credit score dropped XXXX points and I can't refinance with any other company. 

I have submitted complaints about them here. Nothing happened. 

I recently filed what I believe is my sixth or seventh application, I have lost count. I only asked for a deferral of any past due mortgage payments I have not heard back from the company. I have attempted to call twice and end up on hold for XXXX XXXX minutes and get transferred multiple times only to get cut off before speaking to anyone who can help. 

This is not a difficult problem to solve. I am only asking PNC to waive some or all of the fees for late payments, defer any past due amount and correct my record with the credit bureaus. This is a reasonable response and what I believe was the legal requirement, that this company works with me to come up with a reasonable solution to keep me and my kids in my home. I have paid this company faithfully every month since I got this HELOC except for the forbearance period, and they have done nothing to help but only to harm my account with them and to destroy my credit so I can't find another company. 

If I can't get a reasonable solution via this complaint and my multiple applications, I will be filing a claim in small claims court in XXXX and will be seeking damages in addition to the above requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX CREDIT XXXX XX/XX/2023.
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. 

XXXX Accounts # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, as 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 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 and 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 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 the information is inaccurate.
Product: Mortgage

Specialized Loan Servicing services a 2nd Mortgage ( HELOC ) on a property that was foreclosed 4 years ago. The secured asset is gone, the 1st mortgage foreclosed but Specialized Loan Servicing says they chose not to fall. It is my understanding that they lost their claim when the secured asset was foreclosed by the 1st mortgage. 95 % of the conversations with Specialized Loan Servicing is aggressive and predatory, therefore I refuse to give them my current address. I've asked for them to prove the debt and any transfer of ownership, this predates the 2008 mortgage crises and they are not the original investor and/or servicer. I believe if the debt was provable that there are federal programs to assist in their loss, but since I doubt there is a proper paper trail I believe they are simply attempting to bully me into paying them monies I no longer owe due to a previous foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to car lot they said they would run my credit with one bank they ran it with alot of banks XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

FRAUDULENT SERVICE FOR XXXX XXXX. I ALREADY TOLD THEM AND REFUND MY MONEY BACK.ITS BEEN ALMOST A YEAR AND STILL DONT GET BACK YET. 
ACH TRANSFER FROM BANK OF AMERICA TO XXXX XXXX  ( XXXX XXXX XXXX ) FOR TRADE TOTAL AMOUNT {$2200.00} XXXX XXXX CALIFORNIA ACCOUNT ACCOUNT # XXXX ROUTING # XXXX DATE - XX/XX/18 -- -- {$1100.00} DATE - XX/XX/18 -- -- {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ccordance with the fair credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I have been disputing late fees with merchant for over 4 months. Credit issuer changed banks, payment was submitted and returned. Contacted merchant and provided bank documentation showing returned and paid checks - was told by CSR that they would credit account of late fees due to their internal error in posting payments. I have called at least XXXX different occasions, merchant continues to charge late fees and refuses to credit the late fees all the while tacking on more late fees. 

Contact dates/reps : XXXX XXXX, XXXX XXXX @ " XXXX '', XXXX XXXX @ " XXXX '', XXXX XXXX @ XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX On XX/XX/XXXX : Spoke with the Fraudulent Department for " Shop Your Way Mastercard '' by Citi Bank and XXXX told me not to make a payment until they had completed their investigation. 
However, I did make a payment on XX/XX/XXXXXXXX  because I received a letter stating that I was still responsible for the payment for statement. 
I am disputing the charges between XX/XX/XXXX to XX/XX/XXXX. My XX/XX/XXXX statement was $ {$940.00} XX/XX/XXXX was {$990.00} and my XX/XX/XXXX was {$7700.00}. 
I have written several letters to " Shop Your Way Mastercard '' Security Fraudulent Department in XXXX XXXX, SD XXXX Case # XXXX I also filed a report with XXXX Police Department, XXXX, Texas : Case # XXXX In addition, I did file a report with the FBI-I never heard from them. 
Lastly, I was contacted by XXXX, XXXX XXXX XXXX, a collection agency for Citi, N.A. Account # XXXX XXXX  Reference # XXXX I have also written to them, XXXX. They said I am still responsible.
Product: Credit reporting or other personal consumer reports

I checked my credit report and was notified that I've been a victim of identity theft and found multiple credit inquiries on my credit report that i did not initiate here are some of the fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also filed a identity theft report below
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> {$1300.00} Identity was stolen through a data breach with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

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

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX LVNV Funding Original creditor : XXXXXXXX XXXX XXXX 
RE : XXXX I'm a victim of identity theft. An identity thief exploited my personal information without my authorization to open an account and make purchases with XXXX XXXXXXXX XXXX XXXX. This is not my debt. I've attached confirmation of my identification and a copy of my FTC identification Theft Report. Also a Police Report. 
In compliance with the Fair Debt Collection Practices Act, I request that you halt collection proceedings against me and stop communication with me about this debt, except as permitted by the Fair Credit Reporting Act. I further ask that you notify XXXX XXXX XXXX and explain that the debt is the product of identity theft. 
I've enclosed a copy of the Consumer Financial Protection Bureau 's Notice to Information Furnishers. It clarifies your obligations under the Fair Credit Reporting Act ( FCRA ). The FCRA requires debt collectors to provide an identity theft victim with account-related documentation if the victim requests them. Please send me copies of all records associated with the account, including : Account applications are submitted on paper, online, or via phone.

Account statement or invoice Records of payment or charge slips Delivery addresses associated with the account. 
Records of phone numbers used to activate or access the account. 
Signatures for applications and accounts Investigators report. 
Please send me a letter describing what you did to : Inform XXXX XXXX XXXX that the debt is due to identity theft. 
Stop the collection proceedings against me. 
Stop sending information about the debt to credit reporting agencies. 
Please provide me with the records I seek. 
I appreciate your cooperation. 
Sincerely, XXXX XXXX XXXX Enclosures : POLICE REPORT. 
Identity Theft Report. 
CREDIT REPORT. 
For proof of identity, go to the CFPB 's Notice to Information Furnishers [ PDF ].
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to have incorrect items removed from my credit report. The accounts listed below are being reported inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter  to enforce my rights under the FCRA : XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # 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

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. 

XXXX XXXX XXXXXXXX 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 an 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 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

XXXX mistakenly reported a late payment on my account that was opened on XX/XX/2010. I have never once been late on that account or any other account i have. My credit score was XXXX and this one item that they refuse to correct dropped my score from " Exceptional '' to " Good '' which means higher interest rates when i got to get any form of credit. This is ridiculous for someone that has no historical late payments, has paid off three mortgages and 6 vehicles in the last 10 years alone and carries low balances on cards with high credit limits. XXXX refuses to fix the error and Experian also has refused to fix it saying that its a computer generated response based on their scoring and what XXXX submitted. XXXX says they can not fix it and to call the credit bureaus. Its a ridiculous circular vacuum where no one does anything to fix the issue. 

To make the whole matter worse, now Experian is reporting the same card twice to make my credit appear even lower. 

There is no way that a private company that charges to improve your credit should be allowed to exist and charge consumers to try to " boost '' their credit when they are misreporting it on purpose.
Product: Checking or savings account

was charged for a transaction i did not authorize and didnt know about it and went to make purchase and my account was overdrafted and was charged overdraft fee and charged for something that wasnt my fault