23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I set up an Experian account on XX/XX/year>. I recently wished to freeze my credit report and attempted to log in and do so. My password was rejected which I thought must be because I had not logged in for over three years. I attempted to follow the instructions on the Experian website to recover or reset my password. I entered my username, SSN, telephone number as requested. The response was that my information did not match their records and I should call their telephone number to get help. None of my information has changed since I last logged in. When I called the telephone number I got an AI response that ultimately suggested I use the website to reset my password. There is not option to speak to a human being. This created a circular loop of website directing the user to call the XXXX XXXX  and the AI assistant at that number suggesting I use the website. I am not the only person who has had this problem. I thought the website might be down and tried it over the course of a week to no avail. I checked the website downdector.com to see if the site was down. It was not but I found this comment from XXXX XXXX a month ago, which is precisely my experience : " The other two credit sites were very easy. I have wasted over an hour trying to freeze my account with experian. It appears they is not way to do it online as it continuoiusly refers me to a phone number to call. At that number there is and " AI '' that is anything but intelligent and it consinuously says the only way it can be done is throught the website. So the process is a circular loop that can never be broken out of. '' It took only minutes to freeze my credit on XXXXXXXX XXXX XXXX but Experian is unworkable. It is intolerable that one of the three national credit bureaus has such lousy customer service. So much of our financial life depends on the work they do and to not be able to reach a human being via phone, chat, or email when the website does not allow a password reset is unacceptable.
Product: Credit reporting or other personal consumer reports

i sent equifax a packet via certified mail containing a copy of my credit report with the accounts due to identity theft highlighted, a copy of my FTC identity theft report, proof of identification and a copy of the FCRA Section 605B because they must remove the accounts on my credit report that were due to identity theft. The mail was sent certified with the tracking # XXXX I have also attached the police report to this complaint but they must remove the fraudulent accounts within XXXX business days. 
I am providing identifiable information so Equifax can not claim they cant identify me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

hello, i sent a validation letter to iq data an to all three credit bureau. i never got a validation letter from the debt collector to say what i owe an documentation, then the credit bureau said they validated it. how can that be when the debt collector cant even validate the debt. then i looked at my report an i see outrageous interest charges. it went from XXXX to XXXX an the interest charges keep goin up an down every month. i know thats against the law. an on my credit report it says there an attorneys. this company has broken alot of fcc laws an keeps breaking them when reporting false info on my credit report. how do you send a validation letter to a po box .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to XXXX and also XXXX Federal detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove ATTACHMENTS
Product: Credit card or prepaid card

I have a current account which is the mobile bank through I guess choice financial bank and my old phone got smashed and I had to get this phone so the whole do number and now we won't let me log in to my account because that says there there 24/7 But you can access their chat unless you're in the mobile app and it won't let me log in to the mobile app using a new number because it's already registered to another person which it's my number therefore I can't get my money and transfer it into my account so that I can use my card to Make any purchases such as buying my kid diapers tonight and wipes and formula that I need And they have nobody that works technical support after hours or nothing and nobody that will fix my account knowing its emergency this is ridiculous I'd put my money off of their and I can't even access my account and 8 to 6 I guess is they're ours what about emergencies I can't even touch my money because I can access the camp to get my money out of my savings account and you mean to tell me if I was stranded on side the roadI 'd literally have to sit there for 36 to 48 hours before somebody could fix my money are you Kidding me I have sent 6 emails Called numerous times only to be hung up on because I'm calling outside of business hours which online as 24/7. I received one response email where I had to give all my inflation which I did and they said this is they got the information they change it so that I could log in to my account I still can not log in to my acct And it's been hours Pretty sure That a place that handles my money has to have at least one person for emergencies that works after hours for instances like this where they can access their account online come on please help me
Product: Credit reporting or other personal consumer reports

XXXX NUMBER ENDING IN XXXX XXXX XXXX XXXX has a error of XXXX late payment on my Equifax credit report. I have contacted Equifax I talked to an agent about this matter and has been over 45 days from the last dispute since this matter has not been fixed for the month of XXXX AND XXXX XX/XX/XXXXXX/XX/XXXXi never missed a payment. I have attached a payment history from XX/XX/XXXXaccount ENING in XXXX and it show I never was 60 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX, Account # 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

XXXX, XXXX, and Transunion are reporting Fraudulent on my credit report. XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX are not my accounts. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX hard inquires are not mine and unauthorized.
Product: Credit card or prepaid card

On or before the due date of XX/XX/18 I paid off my XXXX XXXX credit card balance. On the next billing statement I received a charge of {$2.00}, which is described as " Fees '' on the bill. I called XXXX XXXX and was told that this charge was for interest, even though I paid the balance in full by the due date. XXXX XXXX will remove the fee if you call, but why should you have to do this? And for those people that don't call, they will either be paying {$2.00} that they didn't really owe, or if they don't pay because they think they don't owe anything ( because they had already paid off the balance ) they will have a {$37.00} late fee for a {$2.00} bill they didn't owe. 

As I understand this practice is known as " double cycle billing '' and is illegal. I request that XXXX XXXX stop this illegal practice. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX A XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1800.00} ; XXXX XX/XX/XXXX.
Product: Credit card

I was a Sams Club MasterCard holder, and a Lowes card holder both issued through synchrony bank. Both cards had been hacked into and had my address changed to addresses in California. I live in Ohio. I did not grant this permission. I found out by checking my credit report. I called and reported all the activity was fraudulent. They took care of the fraud. However, they keep allowing the same people to have new cards re-issued to them. I have called and asked them several times to please close the accounts and not allow them to be reopened. I talked to the fraud department and have been hung up on in the middle of a conversation several times. I have asked to speak to managers and nobody will allow me to speak to a manager. I just want the cards closed so that people can quit making charges on new fraudulent cards that are through my credit. I filed a police report and a fraudulent dispute through experience. I just can not get them to stop issuing new cards to anybody under my credit. please note the credit card number I put in has been closed. I do not have the current number that has been reopened to somebody in California. The only people that have that number are the ones that have access to the account and keep making fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect amount owed High balance was XXXX after disputing this because this vehicle was sold with permission of finance company The new owner didnt keep there obligation to the finance company I did not agree to stay on this loan every time I tried to resolve this issue they charged me additional money the last payment that was made on this vehicle was made on XX/XX/XXXX they have since my multiple disputes they have from may of XXXX until XX/XX/XXXX change my credit file to 180 days late and fraudulently claim the balance owed is XXXX the actual balanced owed was XXXX this was done in retaliation to my multiple disputes
Product: Credit reporting or other personal consumer reports

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled! I am requesting immediate assistance in removing these unauthorized accounts from my credit report.
Product: Credit reporting or other personal consumer reports

After waiting patiently for several weeks for your agency 's correspondence via mail, I have received an updated copy of my credit report today. Unfortunately, it appears that there are still inaccuracies on my credit profile that require immediate correction and removal in order to prevent my credit scores from declining further. 

-- -- -TransUnion 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
Product: Credit card or prepaid card

On XX/XX/2018, I applied for an American Express Gold Card using a referral link that I had received. During the application process, it was stated I would receive XXXX points after spending XXXX in the first three months. It was also stated that I would receive 20 % cash back ( up to {$100.00} ) as a statement credit on dining purchases for the first 3 months. Upon, not seeing these bonuses come through, I contacted American Express. They stated I was ineligible due to previous history. I had not previously applied for this card, and met everything that they had outlined to receive the bonus. I also did not receive any message that i was ineligible when submitting my application for this card. The card carries a {$250.00} annual fee, which has also been paid. I feel that the company should pay the bonus that was offered. 

I opened a complaint on XX/XX/XXXX which they provided the response : " The terms of the promotion, which were provided during the application process, explain that the welcome bonus offer is not available to applicants who have or have had the product. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. In accordance with these terms we determined that, regrettably, you are not eligible for the welcome bonus. " As stated above, I have not previously had this card. I had also only had 3 American Express cards opened in the previous 2 years, so I do not feel that was excessive. When they state " as well as other factors in making a decision '', this language is vague and allows them to not provide a bonus in any scenario.
Product: Credit reporting, credit repair services, or other personal consumer reports

Target is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt. I immediately called and settled this debt with them. I however, was never given calls, letters or notices about this debt before it reported on my credit file. This is a violation of my 30 day right to dispute and it must be removed.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

Have an option arm loan, and BALANCE REDUCITON LETTER was sent after modification of country needs to be honored. CALLED MR COOPER SAID NO SALE CALLED TRUSTEE SALE SITE SAID SALE!!!!!!!!!!!!!!!!!!!! WHAT IS GOING ON called XX/XX/XXXX under review! No letter sent or anything!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this complain is to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau on XXXX and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX Date opened XX/XX/2015 XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!
Product: Checking or savings account

HELLO MY NAME IS : XXXX XXXX I AM MAKING THIS CLAIM BECAUSE I AM A VICTIM OF FRAUD, SOMEONE STOLE MY PERSONAL CHECKBOOK AND USED XXXX CHECKS TO MAKE WITHDRAWALS FROM MY CHECKING ACCOUNT, FRAUDULENTLY ( CHECK # XXXX AMOUNT {$5800.00} DATE XX/XX/year> ) ( CHECK # XXXX AMOUNT {$9900.00} DATE XX/XX/year> ) I HAVE ALREADY MADE A CLAIM WITH THE BANK BUT I STILL HAVE NO POSITIVE RESPONSES WITH THE REFUND OF MY MONEY. 

I AM ALSO ADDING AN IDENTITY THEFT DOCUMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$27000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a credit card on my credit report and to which there were late payments on this account. This account at XXXX point did have a balance which I paid to just have removed from my credit since XXXX XXXX XXXX would not fix this issue. The payment was returned to me saying this account was fraudulent. XXXX XXXX XXXX will not remove this account from my credit although they have returned payments to me saying this account is fraud. I have disputed this as fraud multiple times off of my credit which they said they do not find it related to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had mailed a letter to Equifax back in XX/XX/2021 regarding fraudulent reporting on behalf of XXXX XXXX regarding payment dates on a closed Collection account which is still affecting me negatively. I called in to Equifax to check on the status and went and filed a dispute over the phone with one of their representatives. It has been over 30 days and this has not been removed from my Credit Report nor has it been updated yet.