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

There are all fraudulent inquires on my 3 bureaus XXXX, Equifax and XXXX XXXX reports that I did not authorize as shown below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I paid off my Alaska XXXX with the State of Alaska and it shows that I still owe XXXX plus on my Equifax credit report. The State of Alaska did not remove and show it paid on time in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and let them know that I have two accounts reporting on my credit that are not mine. They continue to report inaccurate information. The fraudulent accounts are listed as US Depart. of EducationXXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

For the last XXXX  years I have been fighting a vehicle loan ( XXXX XXXX ) that's been on my report ( XXXX and TransUnion ) that isn't mines it is a fraudulent account I have submitted police report ftc report etc over and over and the company ( TransUnion and XXXX ) they hit me with invalid ftc report number a ftc representive has even submitted one they never remove it instead just send dispute to company ( XXXX XXXX  ) claiming its my debt and then comes back verified I have even reached out to the company stating it was idendity theft still to no avail.
Product: Student loan

Navient appears to be over charging interest. When I asked for detailed billing to show how the interest charges accumulated they were unable to show daily charges. They provided no documentation. In order to get the XXXX-XXXX harassing calls per day, and to stop the massive interests charges - myself and my grandson borrowed money to pay off the loan. I filed a complaint with the BBB and to date we still do n't have any proof of how payments were applied and how interest charges accumulated.
Product: Debt collection

Northern Alliance Management with telephone numbers XXXX and XXXX constantly calls my cell phone repeatedly When I returned the to XXXX XXXX she transferred me to some who was rude, threatening and hung the phone up on me. I called back to speak with the employee but then they just kept me on hold for a long period of time. When asked if they could send me something in writing that 's when the employee became rude. He quoted me owing XXXX different amounts that I supposedly owe, so I asked for something in writing and that 's when the employee became rude and hung up the phone on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX  account # XXXX, 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

With the XXXX leak, have tried to put freezes on all my credit checks with the three agencies ( I will not go into how ridiculous this all is and how it is inconceivable that this happened, and they waited so long to let us know, and I had to wait until today to sign up with XXXX and have to wait an unspecified amount of time for an email to come from XXXX to finish the process with them. ) Went to Transunions site from a search engine, ( Security Freeze - Transunion ). The link ( https : //freeze.transunion.com/XXXX ) gives an unavailable message and photo. Hopefully I will be able to attach a screenshot. 

This one, for one of their products TrueIdentity and with a bunch of caveats, works. ( https : //www.transunion.comXXXX ) I find all of this unacceptable and a disservice to the American people who rely, unfortunately and without any permission or acknowledgment, on these services.
Product: Checking or savings account

I had an IRS payment plan through my payroll. For some reason the IRS decided to withdraw from my bank account. It overdrew my account. This resulted in a {$35.00} overdraft fee. I was in the hospital with a bleeding ulcer so I attempted to close my account to avoid this in the future. I was told I had to do so in person. When I tried to resolve this in person, they gave me a phone number to call. When I contacted them the charges where disputed. When reviewed they disallowed the dispute and turned it to collection. The {$86.00} is now {$260.00}, which I offered to pay the original {$86.00} to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided information to Experian and the creditor XXXX XXXX in XXXX and XXXX of XXXX which proved that the XXXX XXXX ( {$3400.00} ) account was being reported incorrectly and was too old to be on my file. The date reported is incorrect and this creditor has already been deleted from XXXX and XXXX because of this reason. Experian indicates in the status field of my report that " This account is scheduled to continue on record until XXXX XXXX '', however it remains on my credit report. I am unable to speak with anyone on the phone about this matter and because this item has been disputed on several occasions, I am not permitted to contact Experian online about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus 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 #, and I'm including it again. 
Original Creditor : XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

I went through the process of refinancing and was told by the loan specialist that everything was approved. I sent all requested documents and paid {$500.00} for an appraisal and I haven't heard back or received any notice in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three certified validation letters to XXXX, XXXX XXXX, Equifax, XXXX  and XXXX  starting in XXXX of XXXX. I received zero response from any of them. 
In XX/XX/XXXX I received a statement, from XXXX for one of the accounts in dispute. # XXXX. It is past statute of limitations and does not provide me with when the delinquency date was, a contract or my signature on it. 60 days after the initial validation letter. The response back had no letter attached, did not state that it was past the statute nor did it provide any other information to valid that this alleged debt is mine. 
The following account numbers are what have been disputed with no response. 
Account # XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX, Equifax XXXX XXXX  Account # XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX, Equifax, XXXX  Account XXXX XXXX or # XXXX {$5300.00} XXXX XXXX Equifax XXXX Account XXXX XXXX {$5800.00} XXXX XXXX Equifax XXXX Ive attached copies of letters and credit reports, they are all incomplete/inaccurate reporting with all conflicting information.
Product: Vehicle loan or lease

I recently received a copy of my XXXX XXXX or XXXX XXXX credit report, and I noticed some late payments posted on my credit report SANTANDER CONSUMER USA late payment DATE XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I contacted XXXX and informed them that I was in quarantine due to COVID and recently moving to Alaska. I paid the amount due as soon as I was able to get to access to the my banking accounts on the internet. XXXX told me they understood and then reported the loan late to XXXX 30 days. 

In XXXX of XXXX I actually contracted XXXX and was sick for nearly 90 days. I again contacted XXXX and they stated it would be taken care of ... both XXXX and any result in XXXX or XXXX. Then they reported to Equifax 60 days late in XXXX. To XXXX  XXXX reported the loan 30 days late in XXXX, conflicting reports. 

I have mailed through the postal system correspondence supporting my claim. However, I have not received a response. I have attempted to email and send correspondence in this format. Their website blocks attachments and when I call them each time the customer service agent tells me I have to mail in my complaint.
Product: Mortgage

XXXX XXXX My Legal Council did Not Send Copies of My Credit Life and XXXX Documents To Opposing Council Or Judge XXXX XXXX XXXX so i took Copies in to The Clerk Of Courts However Since the Documents were Not Presented By My Attorney to Opposing Council and the Judge it Was Not Reviewed Therefore Resulted in a Negative Result for Me if in Fact the Documents were Presented Properly the Result Would have Been Much Different.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelle handling of disputes, particularly in light of recent CFPB lawsuit, highlighting significant issues with the platform despite using Zelles numerous times and reporting discrepancies my financial institution they failed to investigate my claims adequately. they informed me that recovering loss funds was impossible, and that tracking these transactions was unfeasible the CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Mortgage

I made a payment to Plaza Home Mortgage on XXXX/XXXX/16. I received a confirmation number and a confirmation email. In XXXX I was told by Plaza Home Mortgage that I had cancelled my payment on XXXX/XXXX/16 XXXX. I did not cancel this payment. ( I find the time and the date of the cancellation very interesting. ) I received no confirmation number or any confirmation email that this payment was cancelled. Plaza home mortgage also states they tried to contact me to tell me of the cancellation. Plaza Home Mortgage called me on XXXX/XXXX/16 at XXXX and I returned the call on XXXX/XXXX/16 but there was no mention of the payment being cancelled by the Plaza Home Mortgage Customer Service Representative. There was no other phone call or correspondence from Plaza Home Mortgage regarding this cancellation. There was no way that I could have known this payment had been cancelled.
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.
Product: Credit reporting

I am unable to access my Experian credit report online or initiate an investigation online. I subscribe to Experian 's credit monitoring service, however when ever I attempt to initiate an investigation and I enter my identifying information, a page appears that they are unable to honor my request and I must do it by mail. 

When I receive a paper copy of my report, I attempt to use the report number to view report again and I get the same message saying they are unable to honor my request. I can not initiate a dispute even after receiving the paper copy by mail. 

It appaears Experian has blocked my online access to my credit report information.
Product: Debt collection

In XX/XX/XXXX, I began to pay attention to my credit and noticed that there was an account I did not open with XXXX XXXX with a balance of {$950.00}. On XX/XX/XXXX and XX/XX/XXXX, I sent letters to XXXX XXXX requesting that they validate the debt and send proof bearing my signature or remove the debt from my credit reports. I did not get a response but soon after ( XX/XX/XXXX ) I  received notice that the debt was sold to XXXX XXXX who soon after ( XX/XX/XXXX ) has hired XXXX XXXX XXXX to sue me for this debt. I have requested they they validate the debt as well and they sent me three statements that none of which had my accurate address and none had my signature. I did not open this account as I was caring for my father who lost his battle to XXXX in XX/XX/XXXX. This is unacceptable and unprofessional.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I logged onto paypal to change the credit card saved to make payments on an automatic subscription to XXXX XXXX XXXX. The credit card ending in XXXX had been compromised, so my credit card company cancelled that card and sent a new one. I went in and changed the card to the new one. I then noticed I had a negative balance of - {$79.00}. 

On XX/XX/XXXX XXXX XXXX XXXX processed the automatic payment for the subscription. Because I still had the cancelled credit card on file it declined. So paypal attempted to charge my checking account ending in XXXX without authorization. I closed this checking account a week ago, so that also declined. As a result, paypal took it upon themselves to pay the {$79.00} to XXXX XXXX XXXX and put a - {$79.00} balance on my paypal account. I called them to ask them to reverse this and to charge the new credit card instead. They said there weren't able to do this. I asked to speak to a manager. I asked the manager why did they process an unauthorized charge to my checking account and pay {$79.00} to XXXX XXXX XXXX. The charge should have just been declined. They said I never had my credit card set up for the automatic payment. That I either had no payment method selected or had the checking account selected. I assured them that I linked it and saw it was linked right before I added the new credit card on XX/XX/XXXX. My point is further proven by the attached automatic payment that was made in XXXX showing the linked credit card that had been cancelled. She insisted that I did not have it linked. I informed her that this was an unauthorized charge to my bank account and should not have been done in the first place. I asked her how can I prevent this from happening in the future. She said because I now have it linked to a credit card it won't charge my checking account. But again, it was already linked to a credit card and they attempted to charge my checking account that left me owing paypal a negative balance. I paid the {$79.00} to avoid any issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX-XXXX and I have filed multiple complaints with Experian, XXXX and XXXX regarding fraudulent inquires, inaccurate phone numbers, inaccurate addresses and accounts that do not belong to me. They continually keep placing the wrong phone number on my fraud alerts and they are not updating inquires that DO NOT BELONG TO ME. They also are not following the Fair Act Credit Reporting Guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/2022 XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 15USC 1681 15USC 1666b 15USC 1681 a ( 2 ) ( a ) ( i ) 15USC 1681a ( 2 ) ( b ) 2021 its publication 4681 15USC 1681a ( 3 ) 15USC 1692g 15USC 1692c 15USC 1692j 15USC 1681b ( 2 ) 18USC 1028a XXXX Account 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 XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 1681s-2 A1 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