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

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XXXX XXXX from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I have an ongoing issue with information reflected and reported on my consumer credit reports as transmitted and stored with Equifax and XXXX. The account in question is an account listed with Timepayment, an account which was paid satisfactorily. I have disputed this item, which is reporting data not in accord with accuracy. Under the Fair Debt Collection Practices Act, I have requested full data disclosure, including manner of documents used to validate what is plainly a flawed account, listing inaccurate history in multiple instances. 

Using the law as stated, i have tried to get XXXX and Equifax to dispute the data and they mark it as meeting The Fair Credit Reporting Act, when it has not. Documents have never been provided and account keeps reflecting data which is inaccurate. 

Because the dispute process is costly, and also because I do not trust the fair and impartiality of these credit reporting agencies, I am asking for this agency to intervene on my behalf and mediate this complaint. 

I am asking that the accounts be verified from their source, because the inaccuracies are affecting my financial prospects adversely with the inaccurate information.
Product: Money transfer, virtual currency, or money service

Venmo. I was sent money ( {$600.00} ) VIA Venmo from a friend in-person for personal reasons. Not a purchase. Not a scam and not loan sharking of any kind. Venmo, 1 week ago froze the account holding funds claiming there MUST have been an email reason as to why and NO there was never an email. In fact I checked all devices and folders including Spam. There simply never was an email. They said 3-5 day its now a week. This has caused many issues and still i call/email daily even opened a XXXX dispute. They will NOT give info to me as to what has been an " issue '' as there simply hasn't been anything wrong done here. XXXX add the accounts been open since 2020 but not used often as other apps are the way to go for me.
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. 

The following accounts on my credit report has violated my rights : XXXX XXXX XXXX, Account # XXXX, for the amount of {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, for the amount of {$730.00} XXXX : Account # XXXX XXXXXXXX, for the amount of {$520.00} 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 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

The name of the creditor in question is XXXX XXXX XXXX Now this was originally an auto lone for {$17000.00}? opened in XXXX. The vehicle was totaled in an accident in XX/XX/XXXX, and paid by the insurance. Ive called them before and theyll say they are going to remove this account but they never do. Instead they have put that i owe {$10000.00}, then {$10000.00} literally on the same report. Im not even sure where they got that from but my problem is that Ive never signed a loan or deal of any kind for that amount, and it even shows that the accouint is open and that ive never made a payment on this said balance or account. ive gotten nothing but the run a round from them.this account has been on my report for over 7 years as they continue to move the date, please help. it shows as if I have an open car loan that ive never made a payment on and that is totally false.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. Account Information : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX I believe that this charge off account is inaccurate because XXXX. The high balance reported by XXXX is {$1200.00}, while Experian reports {$0.00}, and XXXX reports {$1200.00}. 2. The date of last verification is XX/XX/XXXX in XXXX, but it is not reported in Experian or XXXX. 3. The date of last activity is reported as XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, and XX/XX/XXXX by XXXX. 4. The date reported is XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, and XX/XX/XXXX by XXXX. 5. The date opened is XX/XX/XXXX according to XXXX, but it is XX/XX/XXXX according to both Experian and XXXX. 6. The balance owed is {$540.00} across all three bureaus, but the closed date is only reported by XXXX as XX/XX/XXXX and not reported by Experian or XXXX. 7. The account rating is reported as " Derogatory '' by all three bureaus. 8. The account description is reported as " Individual '' by all three bureaus. 9. The dispute status is reported as " Account not disputed '' by all three bureaus. 10. The creditor remarks in XXXX indicate that the account was charged off as bad debt and canceled by the credit grantor, while Experian states that the account was closed due to inactivity with the unpaid balance reported as a loss by the credit grantor, and XXXX states that the account was charged off and closed by the credit grantor. 11. The payment amount is reported as {$0.00} by all three bureaus. 12. The last payment date is reported as XX/XX/XXXX by both XXXX and Experian, but as XX/XX/XXXX by XXXX. 13. The past due amount is {$540.00} across all three bureaus. 14. The credit limit is reported as {$1000.00} by both XXXX and Experian, but {$0.00} by XXXX. I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information. Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days, as required by law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL 6XXXX XX/XX/XXXX
Product: Debt collection

Today on XX/XX/2019 looked at my XXXX report and seen there was a collection on my Account from Afni, Inc. So I called and spoke to XXXX at XXXX the number that was on my Credit report she not only let me explain to her I do not have no idea what this debt was and I also made it clear that this account is not mine , first off the company has not sent any information to me to know about this debt they are just throwing it on my credit report without any validation , she stated the number that was on my credit file she didnt know who I called I told her I thought this was Afni because that what it states when you dial the number she insisted on giving me another number to Afni because the number I called her on was not Afni but yet she answers the phone as Afni not only do I feel this is shady practices but the fact that no validation was received or it is not my account I want it removed from my report ASAP or I will seek legal action against the company due to their shady practices .
Product: Vehicle loan or lease

The company will call me multiple times a day and send multiple emails. Sometimes they will call me back to back within an hour. One representative named XXXX has been repeatedly rude, aggressive and one time denied a payment I offered to make to work towards reconciling my account. I have asked repeatedly that he no longer contact or communicate with me regarding my account, verbally and in writing and he continues to contact me. I have even told management that I do not want him to contact me and they assured me that he would no longer contact me or handle my account. I have made them aware of my financial situation several times and that I will make payments as much as I can monthly. They did not offer to lower my payments, give me a lower interest rate, or anything so I am doing the best I can to make as close to {$400.00} a month payments monthly to them. They have also contacted me for payment during the grace period of 10 days. I want the harassing and excessive phone calls to stop and they can communicate with me in writing or via email, and not repeatedly, everyday. I have just been made aware that this is my right as a debtor and I do not have to be subjected to harassment from a creditor even when I am making efforts to reconcile a past due account. I would greatly appreciate assistance with this matter as the company has been unresponsive to my complaints.
Product: Mortgage

Mortgage billing statement dated XXXX/XXXX/2016 arrived on XXXX/XXXX/2016 with a payment due date of XXXX/XXXX/2016.
Product: Debt collection

In XX/XX/XXXX I spoke with a XXXX telephone representative who took my payment. While on the phone with the representative I asked to cancel the television service. She understood that it was not a service I needed. She then provided me with a telephone number for someone in their customer retention department. I assumed that meant I would have to call if I changed my mind and wanted to keep the television service. A month later I receive a bill and note that I 'm still being billed for television services. So when I called to pay my bill I asked them to correct the balance due to reflect a total that would not include television services. The customer service representative indicated that they could not correct my bill and that I had to pay the full amount ( billed a month in advance ). What should have been a {$55.00} monthly fee ballooned quickly into a {$350.00}. dollar bill. I again telephoned XXXX with the request that my bill be corrected and got the same response that they could not correct my bill. In subsequent attempts to reach someone who could assist me - XXXX then needed my drivers license number, SSN, XXXX account number , street address etc. and still could not assist me. I filed a formal complaint with the customer service representative on the phone - who basically told me there was nothing they could do until I paid off their fraudulent charges. I now have a bill for {$860.00} that has been sent to collections for services not provided, equipment and a collection fee. All because I asked XXXX to correct a mistake they made.
Product: Debt collection

Third party bought out a debt.its a violation of 15 USC code 1681S-2 inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states that i have the right to privacy, 15 U.S.C. 1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without written instructions or consent.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due lo XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002. 142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquires XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Wanted to remove the freeze on the Experian credit report. 

1. ) Tried the online system. System indicated that my birthdate and SSN did not match. I was unable use the automated system. 

2. ). Called the telephone number given on the online system. The system asked for Information then informed me that to remove the freeze I had to go online or do it by snail mail. I needed the freeze removed today and could not use snail mail. I was unable to request to talk to an agent. Hoping there was a glitch in the system I tried again. I got the same results. 

3. ) I used a search engine and obtained a procedure that would let me talk to a human at Experian. I had to bypass the customer line and go to client line. My phone was working through my homes internet system. My signal was exceptional. The quality of their line was sketchy at best. About mid way through the verification Process the call failed. 

4. Repeated step 3 with the same results. 

5. Called again and requested that the agent call me back. She was hesitant to do so. The credit freeze was removed. 

XXXX. Called the number from the website to verify that the freeze was removed. The automated voice asked if I wanted to freeze my credit. I replied with a clear NO. The voice refrozen my credit anyway. 

7. Went back to the number obtained from the web search. We were in the middle of the process when the call failed. 

8. Repeated # 7 and asked the agent to call me back if we got cut off. The agent indicated that they did not have that capacity. The call failed. 

9. Repeated steps # 7 & # 8. Asked this agent to call me back if necessary, this agent agreed to do so. In the process the agent felt it necessary to run me through the verification questions. She refused to take my PIN #. One of the questions concerned the monthly payment on a Loan from XXXX in 2017. During 2017 I had two loans from XXXX. I gave both amounts, but the agent could only accept XXXX. This earned us another set of questions. I passed! And the freeze was lifted. I asked to talk to a supervisor the transfer failed. 

10. Called the number from the search engine. Talked to an agent and got transferred to a supervisor. That call failed. 

11. Repeated step 10. Got to a supervisor. To resolve any issues I had to go online. I told her that I was unable to get online. She just kept telling me to keep trying. 

12. I tried online. My birthday and SSN still do not match. I cant access online and I do not know if my credit information is unfrozen. I can only hope that my loan application is not refused. 

Here is the gist of my complaint. I choose to freeze my credit due to a security breach at Experian. I had no problem lifting the freeze at XXXX or XXXX. Experians online system is abysmal, their automated system is ineffective. It is possible to talk to a person, but you have to uncover their hidden number, and when you do their telephone system is slightly better than tin cans and wires. This company needs to be shaken up and reminded that they are there to serve others
Product: Checking or savings account

On XX/XX/XXXX, my husband and I each opened an account at Cathay Bank, with my husband 's account being the primary one. We deposited {$50000.00} in each account as a time deposit, with an interest rate of 5.2 % at the time. The term was six months. Then, on XX/XX/XXXX, we went to the bank to renew both the principal and the interest for another six months, with an interest rate of 4.5 %. On XX/XX/XXXX, when we went back to the bank intending to withdraw the total principal of {$100000.00} plus the interest, we discovered that the interest income on the two accounts was different. My husband 's account had more than {$700.00} less in interest income compared to mine. We reported the issue to the bank staff who assisted us when we opened and renewed the accounts, and he explained that when we renewed the deposits, he forgot to allocate the funds in my husband 's account for the time deposit. As a result, my husband 's account did not earn the 4.5 % interest rate during the renewal period.
Product: Money transfer, virtual currency, or money service

Unable to connect PNC account with XXXX. PNC wont allow it.
Product: Debt collection

Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XX/XX/2023 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you
Product: Student loan

A company continues to call me all day about student forgiveness loans. The message that is left is by a gentleman named XXXX with the Student Services Department stating that they are with the Student Loan Forgiveness Program. The callback number that was left was XXXX, but the number that they answered is XXXX and XXXX. It is the same person who answers each time, very unprofessional, asking for my information. I asked numerous times to be taken off of the list but they say they have or they need me to do further steps. When I began asking about their program, they hung up on me. I am sure this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan with XXXX XXXX, {$23000.00}. The loan was sold to XXXX  services with out my knowledge. I never got any correspondence from the loan transferring. The payment was then reported 60 days late to credit agencies. Loan is upto date now and set on auto pay.
Product: Mortgage

I have a Mortgage with Nationstar from Texas, recently I have been notified that I owe more than {$12.00} XXXX in back taxes and they want to foreclose my home. I have been paying my mortgage normally without any trouble in the last XXXX years. It seems that they have not observed carefully that it were more taxes to be paid througout this time, now the county where I live have send me a notice to foreclosure and I am in the pool for the end of the year auction
Product: Credit reporting, credit repair services, or other personal consumer reports

There were several inquiries made on my credit report without my authorization. I received a letter from T-Mobile advising me that my credit was compromised due to a security breach within their organization and further advised to check my credit. Upon checking my credit, I discovered all of the unauthorized inquiries to the following companies : XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, Amex-XXXX, XXXX XXXX XXXX, XXXX XX/XX/2021, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX, XXXX XXXX XX/XX/2021, XXXX  XXXX, XXXX XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XX/XX/2021, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXXXX/XX/XXXX XXXX, US SM BUS ADMIN XXXX XXXXXX/XX/XXXX XX/XX/2021, XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/2021