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

On XX/XX/XXXX, I noticed a hard inquiry on my credit report by XXXX XXXX XXXX that was not from my activity. I immediately contacted Experian, through whom, contacted XXXX XXXXXXXX XXXX. They were not able to locate the account since looking up my name and social didn't not bring up any record. On XX/XX/XXXX, I noticed that a new account was open on XX/XX/XXXX by XXXX XXXX XXXX, again, not from my activity. I once again contacted Experian and filed a dispute. I also talked to XXXX XXXXXXXX XXXX, where they compared my information with the information of the account on file and told me that it was a different person ( the person has a similar but different name, different phone number, however, I lived on the same street that they are living right now, they also opened the account without a social security number and used a passport, it was not my passport information, they used their XXXX ID as well, where I was also a student and had an ID but XXXX  XXXX XXXX compared the information and told me that it wasn't the same ) and I'd have to dispute with Experian. So now I know it wasn't identity theft and a mistake on the credit bureau. However, I received the dispute result and it says that XXXX  XXXX XXXX confirmed that the information was accurate. In addition, they added this person 's address to my report ( it is a dorm building i once lived in but I didn't live in the same room, now they added this one to my report as well ) as well as changed my birth year on my credit report to match this person 's. I tried to update the dispute by adding more documents but was not able to. I am not even able to open a dispute to change the year of birth or remove the street address.
Product: Credit card

I opened a Care Credit account XX/XX/XXXX and closed the account XX/XX/XXXX. I still have an outstanding balance and will be continuing to make payments until balance paid off. My issue is that when I opened account when I was working at a XXXX and put it in my name, XXXX XXXX and put my boyfriend at the time, XXXX XXXX XXXX, as an authorized user. When I closed the account XX/XX/XXXX they had told me that XXXX was on the account as a joint user and that is not the way I intended to open the account. XXXX has a Care Credit account of his own already. This account that I opened was just to be used for our dog who was being treating for XXXX. at the time. XXXX XXXX XXXX has NEVER authorized to be a joint user on the account.. I have made numerous attempts to have his name removed with no cooperation from Care Credit. My boyfriend and are no longer together and XX/XX/XXXX I called them asking if I could make a payment arrangement due to a financial hardship I told them I could make a XXXX dollar payment XX/XX/XXXX. They agreed but unfortunately they just made it where I missed two payments and was charged penalties and late fees and in turn It effected my boyfriends credit because he is still on the account as a joint user! I am not even wanting to fight the late fees and penlties right now all I am just asking that his name finally be removed and a letter stating that he NEVER authorized to be a joint user on this account. He is trying right now to purchase a home and this is hindering his ability to do so. He was NEVER suppose to be put on as a joint user only an authorized user and he is extremely upset now because of this issue. I have attempted many times to have it removed but never any corroperation. All I want is his name REMOVED and a statement saying he never authorized to be on this account period! I hope and pray you can help me. I will continue to pay this balance off on my own and now the account has been closed so I wo n't have any further charges made. I honestly would never open a Care Credit account again because they seriously do not care about the well being of their customer. It is a shame because I have worked in the veterinary field for over 20 years and have recommended Care Credit to many clients but I had no idea they would have no customer support if there was an issue with their account.. The worst customer support I have even experienced. Feeling hopeful we can get some resolve. the Consumer Financial Protection Agency has been nothing but kind and understating. Thank you for the help and support. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, Equifax Bureau did not take any action to remove the incorrect information and inquiries listed below : Inquiries XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX  Date of Inquiry XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, AZ 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX 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 or other personal consumer reports

I want to log into Experian website. I received an error that the information I provided was incorrect. I mailed them a certified letter with proof of identity ( Drivers License and recent bank statement ). I included my full name, current address, email, SSN and phone number ; all in accordance to their procedures. I relieve a letter back to verify my account was frozen. However ; I still can not log into the EXPERIAN website or app to see my credit report. I called XXXX to talk to someone and reset my log in information. Again I was told my information is not matching their records and was denied customer support.
Product: Debt collection

XXXX XXXX XXXX is that there was an account open on XX/XX/XXXX of 2024. But I never made an account with them nor did I purchase any Phone items or devices now there is a collection on my credit stating that I have to pay a settlement but I am sending a letter for them to verify if they have the right person.
Product: Vehicle loan or lease

Purchased vehicle through dealership. PNC bank carries loan. Signed up for online banking. Their service forces you to login monthly to make payment. To setup recurring payments, you must download, print, fill out, and mail in form. There is simply no good reason this couldn't be done online. I believe this is purposely done as they are counting on people to forego this inconvenience. In turn, counting on consumers to forget to login and make payments before deadline, incurring late fees. No other financial institution that I personally bank with has such practices. I have spoken with customer service and voiced my concern to no avail. Again, I believe this is a deliberate practice by PNC bank to garner late fees on loans that would be avoided by automatic recurring payments.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my authorization and I request their immediate removal. 
The accounts in question are : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

CitiBank lowered my credit limit after I made a large payment and now I'm not able to pay bills that I would have been able to make under my original credit limit. They only sent me an email the day they decreased my limit. I believe they lowered my credit limit so they could limit my cash back rewards that were part of the card. I have always paid the bill on time or within 30 days of due date.
Product: Payday loan, title loan, or personal loan

I sent an email to Cash Central customer service on yesterday asking about the 2 payments I made, one on XX/XX/XXXX & the other on XX/XX/XXXX. I was inquiring why I was charged & paid 2 different finance fees on the same loan in less than 3 days apart. On XX/XX/XXXX, I paid {$190.00} which was the finance fee owed for the loan approved on XX/XX/XXXX. On the XXXX, I tried to pay more on top of the fees, but the system would not allow me to schedule any more payments on the XXXX. It accepted the XXXX & I paid {$400.00} more dollars. I checked my account expecting my remaining balance to be somewhere around {$390.00} or less. What it shows is I owe {$490.00}. This shows that only {$190.00} of it went towards the principal balance and {$200.00} went towards the finance fee based upon {$700.00} principal for the next 30 days. The {$400.00} should have ALL gone towards the principal balance because I just paid a finance fee on the XXXX. The {$700.00} should have been reduced to {$300.00} & at the CAB fee of {$28.00} for every {$100.00} plus 10 %, the remaining balance should be around {$390.00}. The same day I sent the email, I received a response to contact their office. I called today a little after XXXX & was put on hold for over 17 minutes as the CSR stated she was looking up my account. I heard the phone switch off of hold & it hung up. I waited for over 5 minutes & received no call back. I called back again & received a different CSR. We go back & forth about these payments while I am explaining to her my issue & asking about how the payments have been processed. She then tells me that she only sees the payment I made on the XXXX & does not see one made on the XXXX. I told her that I was looking at my account online & it states last payment {$400.00} on XX/XX/2021, plus it has been debited from my checking account. She still claims she does not see the payment on the XXXX. Then, she asks me to send a copy of my bank statement for the last 30 days & if payment is shown, I would get a refund. I do not want a refund. Again, the phone hangs up & I receive no call back. This company charged me twice, and I do not believe that is legal. And when I called to correct the matter, I was placed on hold for over 17 minutes & hung up on & then routed to a different CSR who also hung up on me when I refused to accept her response. I am either owed that {$200.00} back or it can be credited to the principal balance. This company is trying to get even more money out of me by having me pay the remaining balance they have listed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hunting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Unauthorized Changes to Credit Report and Data Breach Concerns I am writing to formally express my concerns regarding serious issues with my credit reports and the handling of my personal information by XXXX, XXXX, and Lexington Law XXXX. 

First, my personal data was compromised in data breaches involving these companies, which has left my privacy unprotected. Additionally, there was an unauthorized unlocking of my credit freeze. I had previously ensured that my credit reports were securely locked and did not authorize these changes. I asked for the incorrect addresses to be removed and it was not. 

Moreover, there are incorrect addresses listed in my credit report that I have repeatedly requested to be corrected. Despite my efforts, these inaccuracies persist. Given the significant breach of my privacy, unauthorized changes, and ongoing inaccuracies, I am seeking immediate action to rectify these issues, ensure my data remains protected, and provide accountability for these violations. 

Thank you for your attention to this matter.
Product: Mortgage

We stopped to pay our mortgage since XXXX. I could n't work for a year because my XXXX babies came, so I quit to take care them. Months later my husband lost his job and we struggled with everything. By XXXX Penny Mac offered us and program for 9 moths that we can pay XXXX dollars per moths, but finally by XXXX I called them and I told that we were ready to pay our full monthly payment ( XXXX ). Then, they told us we need to start a Modification program and need to qualified, because I requested that wherever we owned we will lie to be transferred to the end of our balance. However, by XXXX this process starts and we could n't make payments because " we were on the process to modification '' even if we talked them we can pay our full monthly payment like we used to do before we got in this situation. My the middle of XXXX we recieved a lawyer letter saying we will be sue for whwerere we own, few days after we got papers for the same lawyer from Pend Mac that we need to go to court. We have been trying to get in contact with them so someone can explain us why we need to go to court if first, we are waiting for the modification, we want to pay just we do n't have the balance money ( XXXX ). we want to start to pay our regular payment. 
Plus they said we need to pay for their lawyers expenses. we do n't get a call for them and we want to reach them we just hear " wait '' we are working on your modification. I hope it get clearly soon__ thank you
Product: Credit card or prepaid card

In XX/XX/2023 I refinanced my home and reached a written settlement with the Law Firm/Collection Agency for Capital One Bank MasterCard . The account was Settled in Full for {$1300.00}, with the agreement that the account would appear on my credit report with a XXXX ( {$0.00} ) balance, and the account status would be " Paid. '' The Law Firm/Collection Agency for Capital One Bank accepted and deposited my {$1300.00} check from the Title Company , marked as Settlement in Full. However, AFTER the payment was received, Capital One reported my account as " Charged Off '' with a balance of {$450.00}. This report occurred on XX/XX/2023, and this account on my credit report is still showing a " Derogatory '' account status, rather than the promised " Paid '' status, and it is still showing an account balance of {$450.00}, rather than the Settled in Full balance of XXXX ( {$0.00} ). As a result of this " Derogatory '' report and falsely reported " Amount Past Due, '' my credit score has dropped each month it has remained falsely reported.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft therefore i have no knowledge of this debt owed to XXXX XXXX XXXX for {$3800.00}
Product: Debt collection

NATIONAL RECOVERY AGEN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX is claiming that I owe them {$650.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit card or prepaid card

On XX/XX/23 I initiated a purchase at XXXX with my cashapp debit card for {$970.00}. It was scheduled to arrive XX/XX/23. It didnt arrive but said delivered on the tracking status. Once I discovered the error and negligence I notified XXXX and spoke with an associate that assured me an investigation would be held about my missing package. Shortly after speaking with XXXX associate I received an email about the investigation and was notified the investigation was complete. I have not received the product I paid for or a refund. A clear violation of not only consumer protection but the code of federal regulations.
Product: Checking or savings account

I purchased a CD in the amount of {$10000.00} through XXXX XXXX, who was later acquired by JP Morgan Chase Bank. All my accounts checking and savings, were successfully transferred over in this merger except for the CD. Upon my reretirement I inquired to XXXX about my CD twice and was told by times that they did n't know what happened to it. See attached letter, which is a copy of what I sent to XXXX XXXX XXXX for additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, Equifax and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 USC 1681 ( a ) ( 3 ) your company assumed this role. You were not given permission by me, the consumer or a competent court of jurisdiction. You have failed at your initial investigation of this information and assumed a role and assumed this information was valid which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) you did not ensure this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You chose to only get one side of the story and because of your actions my privacy has been breached and this is a violation of my RIGHT TO PRIVACY.
Product: Debt collection

I received a document on Saturday, XX/XX/XXXX from PROCOLLECT SERVICES. The document states " A review of my account shows that I have not returned any calls or answered any letters, my account is long past due and has been assigned to their office for collection. They want to hear from me within 10 days to find out how I intend to pay the balance owing. It goes on " this is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector ''. It is signed " PROCOLLECT SERVICES '' ( XXXX ) XXXX At the top it say RE : XXXX XXXX & XXXX. Account # XXXX. XXXX. XXXX : {$930.00}. 
Balance due : {$930.00}. 
They spelled my first name wrong. This morning, I called there and talked to " XXXX ''. I had a lot of questions. She said the debt goes back to XX/XX/XXXX and {$230.00} of the amount is late fees. I said I don't know anything about collections but aren't they supposed to send me the bills or call? She said notes show they mailed one in XXXX. I told her there has to be a mistake, we know our XXXX XXXX personally and he would have said something about this.I had a few more questions. Then she said she would call XXXX XXXX, I told her I didn't care what she said but I was going to talk to my husband, XXXX, he will go talk to XXXX, our tax man. 
XXXX talked with an assistant and was told this is a scam and to call and report it. Here is the information on this Collection company : PROCOLLECT SERVICES, XXXX XXXX XXXX XXXX, XXXX, ND XXXX. Phone : XXXX, toll free XXXX.
Product: Credit reporting or other personal consumer reports

XXXX credit bureau has allowed XXXX XXXX to violate my fair crediting act rights in closed and is complaint I will show that the account for XXXXXXXX XXXX is a illegal account the account is over 15 years old the account was originally open XXXX of XXXX we are now in XXXX of XXXX by fair crediting act laws This account should have deleted 7 years ago XXXX XXXX had no rights to the account from the get-go the original creditor was XXXX XXXX XXXX XXXX  has no information on this account because they closed it because they were sent a cease and desist in XXXX They have no knowledge on how XXXXXXXX XXXX even receive the account and told me not to pay XXXX XXXX anything because they can not collect on a debt that is past 7 years old to begin with XXXX XXXX has uploaded more than {$86.00} negative remarks the account is showing closed but it's showing that it was sent to a lawyer and to a debt collecting agency within the company that is all a lie that is incorrect information They lied to experience and said that the account was open XXXX of XXXX which is another lie and it was done purposefully by XXXX credit I was threatened by this company several times through phone calls This company has been sent a cease and desist I will enclose my original credit report from XXXX that shows the account from XXXX XXXX the original account and the account was open in XXXX of XXXX not XXXX of XXXX like XXXX XXXX reported on my credit report This company needs to be stopped I want all information from XXXX XXXX removed from my credit report immediately delete it completely all negative remarks to be deleted
Product: Checking or savings account

Wednesday XXXX XXXX 2022 circa XXXX XXXX - XXXX XXXX : I attempted to deposit {$500.00} cash and a check ( {$670.00} ) to my Wells Fargo checking account via an ATM ( ATM ID : XXXX, XXXX XXXX XXXX, XXXX, CO XXXX ). The check was accepted but the cash was returned to me because the machine wasn't able to read it. I tried redepositing the cash and the ATM machine took it, but my bank account was never updated to include the {$500.00} cash deposit. The total deposit should have been {$1100.00}, but I was only credited {$670.00}. Wednesday XXXX XXXX 2022 circa XXXX XXXX - XXXX XXXX : Submitted claim to Wells Fargo, ATM/Debit/Prepaid Card Claim Reference Number XXXX. Wednesday XXXX XXXX 2022 : Claim Denied by Wells Fargo. 

I am filing an additional complaint because I am requesting a full audit of the video cameras, ATM machine 's faultiness, and the person who picked up the cash & checked the ATM following my transaction. You are failing to protect your consumers if you aren't maintaining your ATM machine to prevent cases where it's taking cash without depositing it into the rightful account. {$500.00} was stolen from me, and I am requesting further auditing to determine where it went.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to delete accounts that aren't reporting correctly.

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. 
The FCRA