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

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX 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  In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent Account # 1234, 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have information passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including an updated ID THEFT REPORT # XXXX once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Remove the following fraudulent information completely from my Credit File : XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} ; XXXX XXXX - XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$850.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$5400.00} ; XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$4500.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Hi TransUnion, I just paid for a copy of my credit report after those data breach and found those 7 fraud inquiries that shall delete from my credit report. I never applied or contact those places and all the inquiries below were not authorized by me. 

Ally Financial inquiry date on XX/XX/2024, XXXX XXXX XXXX inquiry date on XX/XX/2024, XXXX  XXXX XXXX XXXX inquiry date on XXXX XXXX XXXX XXXX  inquiry date on XX/XX/2024, XXXX XXXX XXXX inquiry date : XX/XX/2024, XXXX XXXX inquiry date on XX/XX/2024 and XXXX XXXX INQUIRY DATE : XX/XX/2024
Product: Credit card or prepaid card

The card is declined at both XXXX & XXXX which doesnt make any sense ( use as credit, no PIN number ). Plus, when using it online, it gets declined on almost every transaction. Doesnt matter the dollar amount or vendor. Then we must call in & get it unlocked every single time.
Product: Debt collection

I was owing XXXX {$1800.00} and the account was sent to Central Credit service for collection. I called Central Credit services and they told me to do a pay off .We agreed on a payoff of $ XXXX.I paid {$1200.00} and i expected the collection to be taken from my credit.I checked my credit and i discovered that Central Credit Services put it in my credit that i still owe $ XXXX.I called their office and i learnt that the debt is for someone else.I dont understand why i should have an account belonging to another individual, in my credit because we share the same surname. I tried every effort to get this resolved but Central Credit Services is not making any effort to help me out.Central Credit service put another individual in my credit because we share the same last name.
Product: Bank account or service

This. company NCC Business Services/XXXX appears on my credit report for {$570.00}. This debt does not belong to me - I have been XXXX oversea in XXXX for the past XXXX years. I need this removed immediately. This has been illegally reported.
Product: Money transfer, virtual currency, or money service

Multiple times Ive sent money and never seen it again. Try to get it back and it was gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My XXXX account and XXXX  were compromised XXXX XXXX. Phone ordered, and a XXXX credit card was requested by a phisher through XXXX XXXX  cards. XXXX crazy XXXX. I did not know that existing banks and creditors can review credit report anytime, even with freeze, to make offers unless you elect " Opt Out ''. I did and offers continue. At least XXXX XXXX calls with people trying to get my zip code especially - no way! I had placed freezes with all reporting bureaus several years ago through premiere XXXX. When I went to their sites, all sites said my freeze was temporarily lifted until XX/XX/XXXX. I did not do that. Experian ( XX/XX/XXXX call transaction XXXX ) states that they have 5 days to notify me of a freeze lift - I never got a " heads up '' from them. This is so wrong. No one ever explained this to me- apparently legal minimum. Lots of fraud can occur in those 5 days - license to steal. XXXX and Experian notified me of credit card filing, but not freeze lifting. XXXX is slow to the party on everything. I put a lock on XXXX, but you have to pay extra to do that on XXXX and Experian. Clearly reporting bureaus are part of the problem. When XXXX and businesses can notify me right away of changes ... what is XXXX 's problem? It does not take 5 days!
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my report regularly, but this time, there was an issue out of nowhere. I even refreshed my browser, hoping it was a glitch, but the inquiry remained. This situation is extremely frustrating, and I demand that the documents Ive submitted be reviewed thoroughly so I can finally put this matter to rest.
Product: Mortgage

I contact Fulton Mortgage  on XX/XX/2023 and spoke to a representative ( XXXX ) to inquire why we were still paying PMI on our mortgage. Our mortgage balance is {$170000.00}. The amount of the loan was for {$240000.00}. The cost of the home was {$250000.00}. We have been paying extra principal on the balance and are current with our payments. I asked if there was something I was doing incorrectly with my calculations because the percentage seemed well below 80 % and 78 %. The representative agreed and placed a " task '' on our account and sent it forward to be evaluated. 

On XX/XX/XXXX, XXXX called back with the instructions to write a letter with my request for PMI cancellation and to email it to XXXX. I complied on XX/XX/XXXX. 

It has been XXXX week with no response from Fulton Mortgage. Before our next payment, due XX/XX/XXXX, I would like to know if there is a reason for the PMI payments to continue, if they were to be legally cancelled previously, and if we paid more PMI than we had to, how we are to be refunded for those payments.
Product: Student loan

I have had a private loan w ith Navient  since approx.  XXXX  and in the time that I have had this loan, I have attempted at least a dozen times if not more to get them to refinance the loan from the current interest of 11.00 % to something less, and have been told they can not refinance or change my loan since they do n't offer the loan type anymore. I have attempted several times after making the necessa ry 12-24  months of on time full payments to have the co signer removed, to which I was told everything from its a simple phone call in to its paperwork, credit check, and we do n't guarantee we will do it. I have asked them on several occasions if there were other options available to me on the account, and they have told me that I had to pay the amount on the account every month without fail. I was paying over {$250.00} a month, and less than 50 % of that went onto the balance each month, with interest paid on the loan at almost $ 1200 yearly. I was going to end up paying approximately 4 times what I owed on my loan over the life of the loan.     In  XXXX  of  XXXX  I called into navient and had them remove my cell phone number as I was receiving  2-3 calls an hour almost every hour every single day. I had  blocked about  XXXX  numbers at this point and instructed them to remove mine and my co-signers numbers. I received a letter on  XXXX  for " litigation '' and it was dated  XXXX  with a printed signature from their " VP ''. I checked the date on the  XXXX   tracking,  and it was sent to me on  XXXX  and only gave me from the time I received  it 48  hours to try to correct the issue. They have since continued to post things to my account.     As of yesterday  XXXX   Navient had  no official way to contact me. As of this morning  XXXX , my wife received a robo call from  Navient. I have never given Navient  this information, and this is a  private cell phone.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

The account was not being paid by my ex. I have taken over payments and have brought it up to date. This company is impossible to deal with. Every time I have contacted them to try to get things fixed all I hear is that they cant help. I have requested for them to update my credit report and they refuse to update my credit report. They just keep saying we have to file a complaint with the credit reporting company to get it fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION ON CREDIT PROFILE INCORRECT
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent accounts and inquires remain on my credit file i have asked for verification i have called accounts in question and they all have a different address on file and no signatures from me and no contact that they can send me these need to be removed ASAP In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 

Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
The date you contacted the individual funishers of information. 
The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 

Please forward an updated credit report to me after you have completed your investigation and corrections. 

Your cooperation and prompt attention are required by law. 

XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX THESE INQUIRES ARE FRAUDULENT AND ARE NOT A STATMENT OF FACT AND MUST BE REMOVED XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXXXXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Automobile Dealers, New Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX  XXXX, XXXX XXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX
Product: Vehicle loan or lease

I bought a used XXXX XXXX XXXX XXXX about a year ago in XXXXXXXX XXXX  XXXX. I had originally signed up for {$690.00} a month, which is pretty high, but I planned on trading in in on a ton later. The first few payments I paid with auto draft. As soon as XXXXXXXX XXXX payment was due, they claimed it didn't go through, and I paid over the phone. Two days later, it went through. So two payments for XXXX. They refused to apply the extra payment to principal. This has been a reoccurring issue every month, and almost every payment gets returned by them to inoculate more fees, im assuming. So i call and pay over the phone to avoid late payments. Then they automatically take out another payment a few days later. When I called about the returned payments, they said its my financial institution. My bank says its on their end. I have changed banks, same issues. Now my payments are double, a little over {$1400.00} a month. XXXX XXXX after paying, I get a late fee applied. Every time I call to rectify the situation, their customer representatives essentially blow me off. If I pay the {$690.00} as stated in my original contract, I get a late payment applied to my account and dings my credit. Exeter Finance has absolutely destroyed my credit by doing so. Upon further investigation, the dates I paid are incorrect on my account, as well as the total amount using the interest rate I signed up for. This is the definition of a predatory loan that uses usury loan practices.
Product: Credit reporting or other personal consumer reports

Equifax seems to think it can use the XXXX  program they run as a excuse to lower my score. They ignore years of on time payments, no hard inquires, the same XXXX credit cards, and using the same bank XXXX XXXX  XXXX XXXX ) for XXXX years. Equifax can't seem to figure out that I'm not disputing what's being reported to them, I'm disputing their interpretation of it. They are being rigid and unyielding, and they are unwilling to admit the algorithms they're using are faulty.
Product: Credit reporting or other personal consumer reports

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on deaf ears. It is important for you to understand that by law, you are required to take immediate action upon receipt of such requests. Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX. XXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), they may be liable for false reporting. By law these should be deleted because I have proof that they were also deleted from the other credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 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 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX figure lending have 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 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. 
9,102. Im exercise in my right.to opt out of having these accounts reported to my consumer report. The line of credit I have with vour companw, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 
List Name of the accounts with high Utilizations and late payment transactions XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX. 
Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subiect to section 1681s-3 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 ) ( Put the Creditor Name here ) 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 ) and the person ( YOU ) [ Put creditor name here 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 and experience ( Utilization ) on my consumer reports 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 XXXX from the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$240.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXL XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX