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

Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX. is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

After fighting with them for over XXXX  months about paperwork and the loan modification, we finally got that situated. I was placed on a trial payment period for XXXX  months and each payment was made on time. After that, I was told that my payments starting XX/XX/year> would be XXXX. I made the payment on XX/XX/XXXX as shown below. It's now XX/XX/XXXX and time for my next payment, well upon doing so I learned that somehow I still owed for the XXXX payment and my bill was now XXXX. When I called to ask about everything, I was told that the payment I made was put in another account and not applied to my actual mortgage payment. Not only did that happen but now all of a sudden my monthly payment is XXXX. During the whole month of XXXX I never once received a phone call email or statement in the mail saying anything about my payment being late. To make it even better, I called in to make the payment and stated that it was the XXXX mortgage payment. When I called them today which is XX/XX/XXXX the first lady claimed the increase came from escrow, but when I spoke with an XXXX she stated they do not modify XXXX  and is not sure where the money went or why my payment was increased. After a little research on the matter, I feel this company needs to be investigated because way too many complaints along the same lines were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX and # XXXX ; XXXX XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; N/A? 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 is also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I contact Professional Finance Company to resolve a collection that we believe we do not owe. I asked for details of the debt. I advised I paid XXXX on XX/XX/19. I was told this was a separate account. The company that debt was owed too, has not called us for this particular amounts. They representatives could not give us the information on the account details, she just made snarky commits. Asking me what I don't understand about this. I advised I don't understand why I am paying XXXX XXXX dollars to the same company and why it wasn't billed together. The representatives continued the snarky remark. I asked for a supervisor and got attitude cause I asked. The representatives I spoke with advised me that we would be recorded. I advised the representatives that we have it on speaker phone and will be recording the conversation. Each representatives told us it's illegal to have it on speaker phone, which is false information. Representatives also told us we are not allow to record the conversation. Which by federal law I am allowed to record the conversation and protect myself from fraud or scams. Then each representatives would terminate the conversation by hang up on us, stating it's company policy. I advised the representatives that federal law and fair debt collection act allows me, the consumer to protect themselves against a debt collector. They refuse to continue the conversation. We have recorded the phone calls and we also notified them we were recording them. I asked for a supervisors 3 out of 8 phone calls on XX/XX/XXXX around XXXX XXXX to XXXX XXXX. We had to just ask for a supervisor before talking to a representative. On other occasions When we asked for a supervisor, we would get sighs and attitudes. We got voice mail on all three attempts to a supervisor. We have yet to receive a phone call back from a supervisor. On several occasions pfc has called my wife at work, she has advised them to not call her at work. She has received two more calls from them.
Product: Credit reporting or other personal consumer reports

Instead of deleting the wrong account the company placed a charge off! 
Thats still a slap in the face when its not mines! This has destroyed my life for many years months etc I demand DELETION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the following incorrect addresses : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX is reporting the following incorrect addresses : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX Transunion is reporting the following incorrect addresses : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX
Product: Mortgage

I HAVE AN ADJUSTABLE LOAN SINCE THE DEATH OF MY HUSBAND. ORIGINALLY IT WAS A LINE OF CREDIT WITH MY HUSBANDS EMPLOYER XXXX XXXX XXXX. WHEN HE DIED THEY CONVERTED IT TO A LOAN WITH THEIR LENDER WHO LATER BECAME PHH MORTGAGE SERVICES ... THEY WERE RECENTLY SUED FOR XXXX XXXX FOR ILLEGAL PRACTICES. I FOUND OUT RECENTLY THEY WERE BOUGHT OUT BY XXXX XXXX XXXX, WHO HAVE BEEN SENDING ME PREDATORY COMMUNICATIONS. WHEN I CONTACTED THEM THEY SAID THEY DID NOT SEND ME THAT OFFER IT CAME FROM THEIR AFFILIATES - ON PHH LETTERHEAD -  MY LOAN ADJUSTS ON XX/XX/XXXX ANNUALLY. I CALLED THEM AND SPOKE TO A RESOLUTION TEAM MANAGER - HE TOLD ME THEY WOULD NOT HAVE THE NEW RATE UNTIL XX/XX/XXXX THE LAST ADJUSTMENT OF THE YEAR BY THE FEDS. BUT YESTERDAY THEY SENT ME AN ADJUSTMENT THAT WAS NOT AS DISCUSSED AND DID NOT WAIT FOR THE DEADLINE NOR MATCH WHAT I WAS TOLD [ 3.125 RATE 2 POINT ADJUSTMENT WHICH THEY HAVE DONE IN THE PAST WHEN IT WENT UP. I TRIED TO CALL THE NUMBER ON THE PAPERWORK BUT IT SAID AT XXXX XXXX ON A tUESDAY THAT THEY HAD NO AGENTS AND I COULD NOT LEAVE A MESSAGE EITHER? I HAD A NUMBER FROM LAST MONTH AND TRIED IT BUT IT SAID IT WAS DISCONNECTED. LEAVING ONLY THE WEBSITE. I REPORTED THEM TO AZAG, GOV AND NOW TO YOU THEY ARE ACTING IN BAD FAITH AND LYING PLUS BEING UNREACHABLE TO CUSTOMERS ALREADY STUCK WITH THEM. PLEASE HELP AN ELDERLY WIDOW WHO IS XXXX GET INTO A REASONABLE LOAN!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, My name is XXXX XXXX, Im submitting a complaint against Experian, XXXX, and XXXX. I acquired my credit reports from annual credit report.com and I put in a dispute on a XXXX  XXXX on my report. I submitted my dispute to all 3 bureaus on XX/XX/2022 asking what method of verification did they use to verify my XXXX and no response after 45 days. After no response I called each bureau and explained to the representatives my concerns and I was told the method was verified through XXXX XXXX. On XX/XX/XXXX I sent a letter to each bureaus to delete the XXXX because I received a letter from XXXX XXXX stating that the XXXX was deleted because it wasnt verified. I received no response from XXXX and XXXX. Experian said they verified it through XXXX XXXX which I dont understand how could they verify through XXXX XXXX if the XXXX dont exist on my report.
Product: Checking or savings account

Ive been trying to get access to my XXXX that Ive deposited a few months ago and citizens bank refuses to release the money
Product: Debt collection

I XXXX non-adverse, non-belligerent, non-combatant, secure creditor with power of attorney general and XXXX on the behalf of the XXXX, have recently came across the knowledge of your possession of information on a Student Loan which showed up on the XXXX ( XXXX XXXX Verification Reporting System ) database. I XXXX has not taken out a Student Loan nor have I signed for a Student Loan for Institution in question XXXX. 
In XX/XX/XXXX, XXXX 's parent company at the time, XXXX, was sued by the state of California for " false and predatory advertising, intentional misrepresentations to students, securities fraud and unlawful use of military seals in advertisements and there are numerous other actions filed against XXXX in various XXXX states as well as United States agencies. In XX/XX/XXXX, XXXX agreed they would close or sell all their schools in the next few months.The U.S. Department of Education announced former U.S. Attorney XXXX, a well known corruption buster, would monitor the sale and closure of for-profit career colleges owned by the failing XXXX. 
On XX/XX/XXXX, XXXX sold XXXX of its XXXX and XXXX campuses and online programs to the XXXX, a new subsidiary of the XXXX. These institutions never existed in the Los Angeles California area historically nor at the time said claim had taken place. 
A court judgement that conclusively finds that I am and were a victim of identity theft has not been provided for I never pressed criminal charges on individual ( s ) who committed the crime due to lack of information on identities or individual ( s ). I demand that the United States Department Of Education immediately Discharge the Student Loan Account No : XXXX due to misidentification and/or fraud identity theft.
Product: Credit card or prepaid card

I when to login into my skylight account and It was locked, i thought i was my fault because i had a VPN on so i turned it off and called the company. I call the company, ( skylight ) they told me they would redirect me to the fruad department because my account detected fraud and they wouldn't let me talk to the person they said they would redirect me to. They wanted my information before I could do anything, I didn't because why would I share my information if there has been a fruad report detected. Like is this company being legit or are they doing something because this isn't how fruad is handled when it's detected.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft and i have attach a copy of the report below with all information concerning the FCRA. I would like for the following items to be deleted from my credit report from all XXXX CRAs because they are not mine : i have items on my consumer report that are a result of an identity theft and not made by any transaction related to me : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING OVER XXXX WORTH OF BAD DEBT ON MY CREDIT THAT DOES NOT BELONG ON MY REPORT AND IS REFUSING TO DELETE. I HAVE PROVIDED PROOF THAT THIS COMPANY IS REPORTING THE SAME ACCOUNT WHICH ARE DUPLICATE ACCOUNTS. THIS IS A FEDERAL LAW. YOU MUST DELETE BOTH OF THESE ACCOUNTS IMMEDIATELY OR I WILL SEEK COUNCIL. I HAVE PROVIDED PROOF THAT YOUR COMPANY IS REPORTING INACCURATE INFORMATION WHIS IS AGAINST THE LAW. YOU MUST INSURE MY CREDIT IS 100 % ACCURATE AT ALL TIME AND BECAUSE OF THIS, MY CAR INSURANCE HAS GONE UP, AND I GOT DENIED CREDIT FOR A HIGH DEBT TO INCOME.
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 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX fraud inquiries from 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. 
Transcript Follow along using the transcript.
Product: Credit reporting or other personal consumer reports

I contacted fin wise OPP loans to report that I have an account for a loan on my report that I have no knowledge of. After discussing this account I believe someone may have fraudulently made the loan and used my info to receive it. I was instructed to contact the federal trade commission and make a report that I would be able to have a report number from to forward to the email XXXX. When I went to the site for FTC it took me here to file report. The loan in question was on XX/XX/year>. The contract number was XXXX. The Application number was XXXX. For some reason today the loan showed up on my TransUnion report as open and my credit score dropped dramatically so I took notice. I disputed it and it said it was a charge off and showed be marked closed. I was also instructed to contact email XXXX to resolve this. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY FINANCIAL # XXXX is still reporting a balance on my credit report but the balance has been settled in full. See attached letter from Ally confirming.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX # XXXX XXXX ga XXXX {$540.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was show to me.
Product: Debt collection

Upon reviewing my credit report, I noticed that the listed accounts contain inaccuracies and appear to be fraudulent. I am displeased with this discovery and insist on the prompt removal of these inaccurate accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of the Fair Credit Reporting Act ( XXXX, XXXX XXXX XXXX ) 15 USC 1681 ( a ) Clearly states that I have the right to privacy.

15 USC 1681 ( a ) section 602 Clearly states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B section a creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Checking or savings account

XX/XX/XXXX I get a call ( that was fraudulent ) from a person posing as TD Bank Fraud Dept. ( I have proof of call logs ). When this person started asking question that seemed suspicious I hung up and call TD Bank Customer Service. I told the operator what was going on and she said those are scammers who were trying to keep you on the phone to keep you occupied to do whatever they were doing. She also stated that I have 15 charges ( different amounts ) on my account ( equalling XXXX ) and that I can't dispute these charges until the charges actually clear. So she cancelled that card I had bending in XXXX and to me to go get another card from your local branch. I left the gym and then proceeded to do that at the XXXX XXXX, NJ TD Bank branch. I gave the Customer service woman my card ( ending in XXXX ) and she discarded the card for me and then issued me another card ending in XXXX ( cameras don't lie, the camera will show me handing over my card that was cancelled ending in XXXX. On the XXXX of XXXX is when I started the dispute process of 15 charges I did not unauthorized. After about a week I realize no money was put back into my account. Come to find out that the claims Dept. denied my dispute claim saying that my chip was used. How can this be when the transactions were used in XXXX at a XXXX XXXXXXXX XXXX. I have never been out of this country ... .EVER! 
I have proof that I was here in the US ( at the time of the fraud ) ( I have a passport ) and I have proof that I was in possession of my card because I took the old card to a TD Bank location and received another one. This has been very frustrating because I did nothing wrong at all and they are saying I am responsible some how. My card is always with me at all times and my account had 10x as much as they took from my account which was XXXX. Please help me get my money back into my account. I have a police report, screenshots of call logs and locations and there is proof at the XXXX XXXX, NJ branch that I was inside getting another card less than 30-45 min of this happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spent 2 months trying to make a payment and even set up payment from my account. Their system would not let me make a payment. I called multiple times to get it corrected. I was disconnected and hung up on multiple times. 
I was even told I could not make or set up a payment without making a payment. I finally got hold of a person who knew how to fix the problem. Now they refuse to correct the reports of me being late even though it was their systems fault for the issues. They have told me that if it was found that it was their fault, they would correct the report, which they still have not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent XXXX requests but the accounts listed below are still reporting on my credit report and are violating XXXX XXXX. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXX XXXX {$230.00}
Product: Credit card

Credit line increase hard pull On XXXX/XXXX/16. 
I used the online service to request a credit line increase for my Walmart credit card. Upon doing so, I received an automatic electronic message indicating " unable to process online credit increase for this account ''. I contacted customer service, who failed to inform me that requesting a credit line increase via telephone will result in a hard pull. The representative only asked for my annual income and amount of increase ( how much ), then immediately processed my request. I was denied. He said I would receive a denial letter via mail within 7 days. Thus, I inquired if my request was a hard or soft pull based on the fact I did not regard the credit request as an actual application process and I was not advised beforehand by the representative so that I may opt out of my request. I immediately expressed my concerns regarding his lack of providing adequate and appropriate customer service relating to credit limit requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

First complaint was on XXXX - 2nd attempt : XXXX Nothing was provided but 1 bill statement. I do not feel that it reasonable validates this account information as being accurate. 

XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX  UT XXXX I am Requesting : Please send all correspondence to this matter via mail XXXX XXXX XXXX, XXXX, MD XXXX 15 U.S.C 1681 ( a ) ( 6 ) ( b ) states that, as a part of, or in addition to, a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-days period.

1. A statement that the reinvestigation is completed, 2. A Consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation.

3. A description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name, number and address of any furnisher of the information contacted in connection with such information.

4. A Notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and 5. A notice that the consumer has the right to request that the consumer reporting agency furnish notifications under that subsection. 

I am Requesting : Please Provide everything in writing to XXXX XXXX XXXX, XXXX, MD XXXX via certified mail. 

Additional Request in writing : 1. Originally Signed Contract ( s ) and Proof of CONTRACT ( s ) 2. All Payment Statements and Complete Breakdown of original contract, changes, charges, or adjustment including dates and reason.
Product: Debt collection

I don't know who this debt belongs to, they just put this on my credit report without my knowledge.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. XXXX : XXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed Accounts are both the same and they keep just changing the name.