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

I tried today, XX/XX/2019, to place a credit freeze on my Equifax account. I completed the personal information online, and attempted to answer the security questions which were about accounts I MAY have opened 9-20 years ago. The system responded that it could not verify my identity. So I called Equifax, gave all my personal information again, and answered their security questions truthfully. The associate said that he could not verify my identity. He said that my responses did not match their information. I have noticed in the past when I check my credit reports that Equifax often has out-of-date or incorrect information. I never worried about it because the report was always positive anyway. However, this time I NEED to be able to freeze my account and can not due to the supposed " security questions ''. I had no trouble with the other two major credit reporting agencies. One I did easily by an automated phone system, and the other online by answering their questions easily. This is an urgent matter because a fraudster has my personal information.
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX 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 an accommodation 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In approx XX/XX/XXXX I had a credit card processing machine from XXXX that had not been working properly for several months. We spent several days and many hours on the phone with our sales rep and technicians of the company XXXX to get it to work correctly. We were not able to swipe cards for charges. We were only able to manually key in the information which in turn is billed at a higher rate. We cancelled the machine and sent it back to XXXX because our contact had expired. XXXX immediately turned us over to collections with The Leviton Law Firm Ltd. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. I have had 2 phone conversations with the company. One conversation was reportedly not recorded. I called them to ask them for an email address I could send information to and she took my email address at that time. That was several months ago. I can retrieve the phone logs for an exact date. I called again XX/XX/XXXX and spoke to a XXXX XXXX of the collection firm and the phone call immediately turned nasty. I told him I called previously a few months back and spoke with a woman about this bill from XXXX that they were attempting to collect and he argued with me and told me I had never called. This information was false and I advised him of this. He again stated that I never called. I told him I wasn't going to argue this with him and asked for an email address I could send correspondence to. He just became difficult to deal with by talking over me and being sarcastic. I asked him several times for an email address because I would not have a conversation with him over the phone over this. He laughed and stated he didn't care if I got an email address but would still not provide it. He stated that they have made several calls to me but I have never returned the calls. I have never received any call from any one identifying themselves as collections or any on from The Leviton Law Firm Ltd. I ended up just hanging up because I felt he was trying to provoke me with his behavior. I do not owe a bill to XXXX and do not have any way of notifying this collection agency of the situation because no one will listen to what I have to say. What do I do now? I don't owe money to XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Ne XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the Federal Trade Commissions opinion regarding this type of account Section 607 ( b ) of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' I submitted a dispute directly to Experian regarding my account with XXXXXXXX XXXX XXXX This account has been paid in full as agreed w/ creditor in full and yet is STILL showing a balance. 

This is Experian 's response " The dispute for the account with XXXXXXXX XXXX XXXXXXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. '' In this case both Experian XXXX XXXX bank are in violation of FCRA as XXXX. Experian did not follow reasonable procedures to assure maximum possible accuracy and XXXX. XXXX is reporting inaccurate and incomplete information. 

Reasons : XXXX. Experian was informed by me that this account was paid in full/ settled in full and is inaccurately reporting a balance. This should be very simple to verify and had they followed " reasonable procedures to assure maximum possible accuracy of the information '' this balance, erroneous payment history and erroneous account status would not still be showing there. 
XXXX. XXXX reported a settlement payment as a regular payment ( while still leaving all derogatory statuses and late payment ) and a statement balance after receiving a settlement payment bringing the account to a current and final status where there is no remaining collectable debt.
Product: Checking or savings account

It all started when my account was negative due hardship. An error through a gas station app made 3 transactions on my bank account. I understand that the bank charged a fee of {$35.00} for each transaction on XX/XX/XXXX and XX/XX/XXXX. I did made a check deposit to clear the payments, but the bank put a hold on for days and kept me charging for more overdraft fees on XX/XX/XXXX and XX/XX/XXXX. For some family that was going through a struggle all that fees are unnecessary. 
I called bank of America and they helped me with only 4 other charges that were also made on XX/XX/XXXX way after my check was cleared. I was transferred to another department, and he also said nothing he could do with those 5 other fees they were charging on XX/XX/XXXX and XX/XX/XXXX. They charged me over {$400.00} only in fees. I said I understand the first ones was made due negative account, but not another XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ; XXXX XXXX XXXX Balance {$9900.00} ; XXXX XXXX XXXX Balance {$310.00} ; XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX Balance {$570.00} ; XXXX XXXX, XXXX Original Creditor Name XXXX XXXX XXXXXXXX Balance {$5300.00} ; XXXX XXXX Original Creditor Name XXXX XXXX  Balance {$76.00} ; XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$280.00}.
Product: Vehicle loan or lease

Approximately XX/XX/2021 I applied for auto financing with Dealer : XXXX XXXX XXXX 'XXXX XXXX XXXX, XXXX with my Credit Card pursuant to ( 15 USC 1602 ( I ) ). XXXX XXXX XXXX 'S XXXX XXXX, XXXX sent the application to CHRYSLER CAPITALXXXX XXXX XXXX. On XXXX, XXXX 2021 CHRYSLER CAPITALXXXX XXXX XXXX. sent me an Adverse Action Letter Denying me Credit. To my understanding Credit is a " Right '' not a privilege. XXXX XXXX BANK, XXXX has violated my right to extend credit under ( 15 USC 1602 ( g ) ) and ( 15 USC 1681 ) TILA.
Product: Credit reporting or other personal consumer reports

Like many Americans I was a victim of the Equifax data breach, I have already experienced several issues with my personal information being stolen. These accounts are still inaccurate, unverifiable, and unvalidated and need to be corrected or deleted immediately. Please also make sure these items are in Compliance. Also pursuant to 15 USC sections 1681d of the act please notify me when the items have been deleted. Also, send me documentation that was provided prior to the items being reported, that gives me right to opt-out of my information reporting to a non-affiliated third party.
Product: Vehicle loan or lease

While going through my loan documents with Honda financial on XX/XX/XXXX I learned that employment that I was not current at during the time of application was included. 

I am writing to formally dispute the inclusion of a loan on my credit report that was obtained fraudulently without my knowledge or consent. The loan associated with Honda Financial, was open on XX/XX/XXXX. I was not employed by the company listed on the application, and the information was entirely false. I was never asked nor did I provide any check stubs with that information on it. 

This fraudulently opened loan has negatively impacted my credit score & caused several financial difficulties.
Product: Credit card or prepaid card

On XX/XX/XXXX I Purchased a online marketing services from {$190.00} from a company called XXXX XXXX XXXX ( XXXX ), which those services were not provided. By XX/XX/XXXX I saw in my credit card statement another charge for {$190.00}. I contacted merchant and he dined to refund payments. then I contacted Capital one ( credit card company ) to request a dispute for those charges. Capital one ask me support documentation which I provided. after few days they replied me back telling that the dispute was rejected because I need to submit more letter and documentation. since then I have been submitting all the documentation requested, including email from the merchant holding me in ransom to get my refund just if I delete review from XXXX XXXX. 

Capital one still rejecting my claim after sending letters, proof of disputes, emails from merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We sold our home in XX/XX/XXXX. Our payment funded immediately and we should have received a refund check for our escrow account in 30 days. 
Myloancare.com claims to have sent an escrow refund check to our address and that it has been cashed. We have not received this check since it was supposed to be sent ( XX/XX/XXXX ). Myloancare.com customer service claims the check has been cashed, but will not provide the proof of the cashed check nor who cashed the check. Also Myloancare.com refuses to re-issue a check or make a claim to their bank account about a wrongly cashed check. We have been waiting for several weeks for proof of cashed check with no response. I called last week and they told me a supervisor would call me within XXXX hours and they have not called.
Product: Checking or savings account

My XXXX  was hacked and for nearly 3 months they have been withdrawing funds from my bank account without my knowledge. XXXX refuses to do anything about it and Wells Fargo declined my request
Product: Vehicle loan or lease

Title Max on XXXX XXXX XXXX XXXX, Issued a title loan to me, a consumer. When I reviewed the loan terms and ran a credit check. Title Max offered me XXXXXXXX XXXX on a XXXX  credit score accepting loan terms of 17 % interest. After my amount would be leaked on the dark web by Titlemax. Paying my title loan TitleMax employee mentioned if I gave XXXX XXXX on my first payment. '' My interest would drop dramatically. '' Looking into the terms of the contract that stated I would pay 198 % APR on my title loan of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts on the report do not belong to me
Product: Credit reporting or other personal consumer reports

I received my early warning report and XXXX XXXX  has violated my privacy rights by reporting personal transactions to my early warning report. My checking agreement states that they would not sell are give my information to any 3rd party affiliates and Early Warning services is not a part of XXXX XXXX. I counted 28 transactions reported and that's 28 violations that I ' am seeking damages. My account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX was a fraud account I complained for years I have tried to contact XXXX many time with no response so I dont know how you can validatethis as mine XXXX XXXX is not a legal investigation I forward fax letters from myself to XXXX as you said any questions contact XXXX  I REQUEST AN ACTUAL SIGNED CONTRACT WITH MY SIGNATURE I DO NOT OWE ANYTHING TO XXXX IT WAS'NT MINE I DID PAY IT TO REMOVE IT FROM MY REPORT SO ACTUAL CONTRACT MY SIGNATURE FROM YOU YOU VALIDATED IT OR REMOVE FOREVER enclosed are faxs made to XXXX
Product: Credit reporting or other personal consumer reports

I have these XXXX XXXX XXXX on my credit report it's not supposed to spend on there so something could have been for my ex-wife or something and misusing my social security number but when the XXXX data breach happened I keep on getting hacked and people opening up bank accounts in my name and keep on getting in my phones and ruining my phones and hacking them it's not it's made it so my credit is horrible I can't get a car alone I'm on Social Security XXXX but XXXXXXXX when they get their data breach absolutely had my social security number driver 's license my phone address everything about me date of birth email addresses and finally I got locked out of my XXXX account and I can't get in right now I don't know if you can help me with that the email is XXXX somebody hack that over a year ago and I can't get into it there's over 4,000 pictures of my XXXX  boy has XXXX and stuff I don't want people looking at you like that looking at I get on the dark web but yeah XXXX  instead of compensating me they messed my credit wouldn't let me file suit the lawsuit cuz I told him that I dem anded that I get reimbursed for the state of bridge it's absolutely ruined my life and right now I'm trying to get a car and I pay my bills and everything and I can't get a car loan because these people are just misused my credit report so it was too XXXX for XXXX XXXX XXXX that shouldn't be on there that needs to be wiped off and so my credit score can start going off I don't know if you can help me but I'd appreciate it I had to run out of
Product: Credit reporting, credit repair services, or other personal consumer reports

list of inquiries that were not made by 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 XXXX XXXX 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

the 3 secured credit cards I got recent, I was told they would effect my credit since they were secure and one was a loan Im paying off from self credit where you are able to use XXXX XXXX of the loan that you have paid down and use it as a secured card, that it also wouldnt access my credit since they already did for me to get the loan. However it was all a lie, with all 3 cards bc the inquiries hit my credit and brought down my score with transunion by XXXX point! Dates and actions are included in the 2 photos I attached
Product: Debt collection

I XXXX XXXX DIDN'T RENEW MY LEASE WITH XXXX  XXXX APARTMENT AND SINCE I DIDN'T INFORMED THEM WITHIN 30 DAYS THEY SAID THAT I OWED THEM BUT I PAID THE PREVIOUS MONTHS AND NEVER WAS LATE SO HOW DID THEY ADD A WHOLE NEW MONTH TOWARDS ME, NOW THEY HAVE SOLD IT TO PRO'COLLECT COLLECTIONS AND ITS MISSING UP MY CREDIT AND ITS KEEPING ME FROM PURCHASING ANYTHING BECAUSE THIS IS ON MY CREDIT REPORT SO PLEASE HELP ME IF YOU ALL CAN TO GET RESOLVED THIS PROBLEM FOR ME THANKS, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under federal codes & regulations : 15 USC 1681 & 15 USC 6802. 16 CFR Part 433, 16 CFR 660.3, and 16 CFR Part 313. 
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 All the corporations above are in violation of my rights. Please reference the relating federal codes & statue regulations below : 15 USC 1681 section 602 ( A ) section states : I have the right to privacy.

15 USC 1681 section 604 ( A ) ( 2 ) section 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 can make any consumer report containing 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 ( A ) ( 1 ) section 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 USC 6802 ( A ) section states : A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information.

16 CFR Part 313.4 states : You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to consumers.

16 CFR part 313.7 states : You are required to provide an opt out notice. The notice must state : that you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party.

16 CFR Part 433 states : It is an unfair or deceptive act or practice for a seller, directly or indirectly, to : take or receive a consumer credit contract that fails to contain the following provision : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

16 CFR Part 660.3 ( A ) states : Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Inquiries : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information : 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 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

on XX/XX/17 my Sister went to the doctor, my Sister was married at the time and of age she owes ( {$1200.00} ), the item that is on my credit report is from her going to XXXX XXXX XXXX in XXXX  -but somehow this is on my credit report I have disputed this with all 3 credit bureaus and called and spoke with the collection agency, Saying this isn't my responsibility, the Collection agency still refused to take these false charges off of my credit report Saying I am liable for the charges? ( fast forward a couple months ) I've reached out to them again with the same response they refuse to take these false items off of my reports. PHOENIX FINANCIAL SERVICES LLC is falsely and fraudulently putting these on my credit report and they have the same collection on my credit report multiple times as well. Company 's that are allowed to willingly do this to American citizens is a shame and shouldn't be allowed, this has stopped me from being able to purchase a house because I am being extorted for something I AM NOT FINANCIALLY RESPONSIBLE FOR.
Product: Credit reporting or other personal consumer reports

Inquiries on my credit report that are not transactions of mine. Please remove the following inquiries from my report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FTC report attached
Product: Credit card or prepaid card

Paid my bill in full before the due date, got charged a finance charge of XXXX, called Capital One 6+ times got a different excuse for being charged, asked to speak to a manager was denied to speak to a mgr, told they dont have phones, they only do admin work, they dont take calls and so on,
Product: Debt collection

They called me multiple times a week and during work hours, I have asked them to not call during work hours and they still continue to. 

They called me at XXXX XX/XX/22 I asked them to send written conformation of the debt they said they have sent them. 
I have not received them. 
They said something about sueing but the call was spotty so it was breaking up. 
The caller then got very defensive with me when I asked them to send another written conformation. She continued to say that they have and I asked them to send it again and then I was hung up on.