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

I went to " XXXX '' to view my credit reports and found some wrong data on all 3 of them. Each company had information claiming I could dispute or correct it from that site, which was a complete lie. All 3 so-called dispute processes were a dead end to nowhere. Each one required me to set up a user account but when I checked their " limited membership '' box so I wouldn't get bombarded with e-mail XXXX from them, I was NOT allowed to continue with the dispute. Another one simply had me click on the same buttons " start '', set up an account, then click " continue '' which sent me back to the start button. EXTREME frustration with their constant XXXX. These BOGUS companies are allowed to publish false data and consumers have NO RECOURSE. Such SLANDER is unprofessional and should be ILLEGAL.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1800.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2000.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I still can't log on to my " my.equifax.com '' account. It's been this way since 2022 and anytime I call them I get the run around of they can't verify my information or they will claim they are trying to fix my account. I have a screeshot attached of what it looks like when I sign on online to check my credit. I have no other problems with any of the two other credit reporting agencies. Just Equifax. I am tired of the run around. PLEASE FIX IT.
Product: Credit card or prepaid card

I AM INSTANTLY PUSHED OVER TO CORPORATE WHO I CAN NOT XXXX DUE TO MY XXXX XXXX AND IT IRITATES ME VERY MUCH. TIRED OF NO TIME FOR THE XXXX  AND XXXX XXXX XXXX AND BEING SCOLDED ALL THE TIME. 


THE PHONE LINES IN CORPORATE ARE HORRIBLE AND I CAN NOT HEAR THE PERSON ON THEIR VOIP SYSTEM AND THEY DO NOT CARE. 


TIRED OF BEING A PUSH OVER TO SOMEONE NAMED XXXX I CAN NOT HEAR. IT IS SO RUDE AND NASTY. 


THERE IS ONE LADY WHO IS SO RUDE AND NASTY TO ME. THE MEN ARE NICE, BUT SHE IS HORRIBLE AND MAKES ME A PUSH OVER ALL THE TIME.
Product: Payday loan, title loan, or personal loan

I the consumer made application for {$50000.00} consumer loan in good faith and credit was denied. USAA Federal Savings Bank is in violation of 15 U.S. Code 1642, USC 1681m and cfr 1002 because I, the consumer made an application in good faith, but funds was not issued. Furthermore, because my social security number ( Credit card ) was used and I received NO benefit this is proof of fraudulent activity ( unauthorized use of my credit card ssn ) on behalf of USAA Federal Savings Bank violated 15 USC 1643.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get this issue corrected for 3 years now. Transunion XXXX and XXXX has been reporting incorrect information on my report. The account details are not matching, the monthly payment is incorrect, the date the credit card was opened is incorrect, the balance is incorrect it should be {$0.00} because its been charged off and written off by the creditors on their taxes so its no longer my debt, high credit limit isn't matching and also incorrect, past due amount is incorrect, and the comments from all XXXX bureaus don't match either.
Product: Mortgage

We have been making monthly payments but the company says we owe {$5000.00} in back pay. Now they are trying to foreclose. My son, his XXXX fiance, my XXXX year old and XXXX year old and my XXXX year old grandson live with me. Those babies don't deserve to be XXXX. I'm XXXX but can't get XXXX. My doctors say I can only work part time due to my health. I've been trying for months to get a job but I have not had any luck. The money source sends way too much mail with threats of foreclosure and I feel like I'm being harassed. They don't want to work with us. They would rather foreclose and make another family XXXX. We have lived in this house for 25 years. I do not want to lose my home! I need help in a desperate way. They could add the {$5000.00}, supposedly back pay into our payments and not foreclosure. I'm humbly begging for some relief and help in order to save my home. I appreciate any help. 
Sincerely, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Mortgage

The Agents/Representatives/business doing business as Gregory Funding has been misrepresenting and demanding exorbitant fees/charges under the threat of foreclosure and a term called forbearance. 

Attached is evidence showing that this company has intentionally misrepresented my regular on time payments ; and applied shocking tactics under pressure to force compliance with demands for large sums of money, $ 21,000+ first ( paid XX/XX/2019 ) and now {$17000.00} under what they term delinquency and late payment. 

Further to this fact, they/ their collaborators have placed an advertising on a real estate service indicating my home is up for sale listed as a distress sale. I have been getting calls and mail for many months from individuals attempting to buy from me. 

Recently I read that XXXX XXXX County is a hotbed of white collar crime. This is a very good testimonial of that declaration. 

Examples of their targeting my financial situation : 01. Filing Erroneous Notices of Default 02.  Affidavit of how Gregory Funding has documented my payments 03. Affidavit from my bank proving Regular Payments 04. Them/their agent placing my home on real estate service as a distressed sale 05. Intentionally discounting my payments and listing them as delinquent 06. Multiple calls to force compliance with usurious forbearance contract ( s ). 
a. to my cellular phone ; b. to my aged parent phone to purchase my home at distressed sums ; 07. Evidence of the new demand for payment. 

I am requesting an investigation and remedys to correct/relieve this distressing wrongdoing.
Product: Debt collection

Portfolio Recovery Associates, LLC. -they call my phone once per day, 7 days a week. Between the hours of XXXX XXXX-XXXX XXXX central. It's a automated call at first. When I answer, it takes approximately 15 seconds before a live person joins the line. They'll have people representing that their a law enforcement official. They use vulgar language and intimidation while on the phone. They never explain what the debt is for. Or for how much. They ask for personal information before being able to reveal the debt. They'll even call friends and family of mine harassing them.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with JPMCB AUTO for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and asked why was these account 's showing up on my report and the credit reporting agency told me that i had applied for credit. I have not applied for credit at these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items from my report. 

XXXX XXXX XXXX XXXX {$170.00} XXXX   XXXX {$920.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

Got a XXXX pre paid card for my birthday that I used once and now is completely inaccessible as every time I try to use it the pin is wrong and the card is declined. The other cards I got did not have this issue and the customer service line was nothing but prerecorded non-sense with no pertinence to my situation. Im aware of the stipulation that the first pin entered for the card acts as the cards pin but I didnt put an employee ran the card and I dont know what happened from there for this to happen.
Product: Credit card or prepaid card

On XX/XX/2022, I received an alert from my credit monitoring company, XXXX ( part of XXXX ), that an inquiry had been made on my credit report on XX/XX/2022, from Transform Credit , Inc. ( Transform ). When I subsequently contacted XXXX, I learned that someone had applied for credit from Transform in my name using my personal information. Because I had no knowledge of this application and had not authorized it, XXXX informed me I was a victim of identity theft and put a fraud alert on my credit report. 
However, when I attempted to alert Transform about the fraud and identity theft, it would not answer the phone and said it would not provide a call back. Instead, Transform texted me back requesting personally identifiable information to find my account. I responded that I do not have an account with Transform, had received a credit alert that it had made an inquiry on my account, and I was not willing to provide my personal information by text. Instead, I informed Transform that if I did not hear back from it, I would file a dispute with XXXX and a complaint with the CFPB. I subsequently emailed and wrote a letter to Transform and still have not heard back.
Product: Debt collection

I received a call from a local number on XX/XX/XXXX ( XXXX ) stating they were XXXX XXXX and that I had an affidavit against me and I needed to call XXXX extension XXXX and reference case XXXX. I called the number and the person on the phone ( XXXX XXXX ) did not transfer me but took the case number saying he would transfer me to the correct person. He stated my current address, email, date of birth and social security number in full. He continued to tell me that he was working for a law office ( XXXX XXXX XXXX ) that was just trying to get information on the account to see if it was worth pursuing. He claimed I had a debt from XX/XX/XXXX with Huntington Bank in the amount of {$830.00}. He said that they sent me a letter and that I did not respond. I did not receive a letter because it was at a previous address that I did not reside at the time they sent. He continued to tell me that if I refused to pay that they would sue me for the amount of {$2500.00} for interest and damages. He pressured me into paying a settlement amount of XXXX. He also said they were part of a credit reporting program that would put a freeze on all of my accounts once he entered my information into the system. He did not say that there was any type of legal or court ordered action to do this. I asked for a verification of debt and he put me on hold to send me an email ( from : XXXX ) with an attachment that had a verification of debt that does not seem legitimate. I asked if there was a local office I could talk to someone in person. He told me that he was in California and that their other office was in New York. The address on the verification of debt was for XXXX, TX. I told him that I wasn't refusing to pay but that I needed to seek legal counsel. He said that he would give me 24 hours or that it would be considered a refusal to pay. I told him that I was not refusing to pay again and that I would seek legal counsel. He told me to call him back within 24 hours at a different number ( XXXX ). I could not find any information on the actual law office and the address and lawyer ( XXXX XXXX ) in Texas does not exist. I believe this to be a fraudalent collection and my legal counsel confirmed that I should file a report with the FTC on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Zelle and XXXX XXXX transactions that were sent to the incorrect person and was told that I would not be able to get funds returned to me.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$19000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$20000.00}
Product: Vehicle loan or lease

Vehicle Loan was a for new vehicle, started loan payments in XXXX, car was involved in accident. The insurance company totaled the vehicle out, a check was made in XXXX XXXX from insurance to bank, bank has since yet to cash check. Check has been sitting in bank since it was issued. Bank gave me no reason as to why check was rejected or not cashed, it is 3 months later now, still no results. The bank is threatening me of reporting to credit agency of delinquency, yet they still have not acted on this manner. I have gap insurance for any shortages but that won't be initiated until the check clears. I am receiving calls and was told that I would continually get calls until matter is rectified.
Product: Debt collection

I had been a XXXX customer for years, however When I notified them that I was moving, and attempted to have the account transferred I was told that the area I was moving to was not serviced. I returned all equipment via USP office. 

I moved in late XXXX. Following the move I received a bill for equipment not returned as well as service ending. I called and spoke with a CSR, proved my equipment was returned and was told that all charges would be forgiven if I requested that my service be moved again. The Equipment charges were removed from my account. Unfortunately the service charges remained and I continued to receive collection calls. I called again, was sent thru phone purgatory, and yet again was told this had been resolved. 

I notified them properly I was told charges were resolved twice. 
I was notified that XXXX added a complaint on my credit report. 
This claim is not valid, should not be on my account, I was told twice by XXXX that it was resolved. I would like this removed from my credit report immediately.
Product: Debt collection

i am getting calls at work, cell, home, and they are also calling my wife, brother, mom, dad multiple times a day.
Product: Debt collection

On XXXX XXXX midland credit has called me 4 times today. once at around XXXX, then at XXXX, XXXX and again at XXXX. At XXXX I told her I 'm not a secretary and goodbye. at XXXX they called again, no one answered. At XXXX, I informed them they were using a house phone. XXXX does not use house phone for anything, they had wrong number. I called them back and informed them they were harassing me. they said they were going to put on do not call list. they said that last week also and previous weeks. Also they asked me who I was and there were XXXX names at this number.
Product: Debt collection

This company has called about once a day for the past few months- I have told them to take me off call list- they either hang up before I can get a word in or say they will do it and call the next day. 
I called back today and pretended I didn't know they were a scam- and the lady was very rude- very XXXX and telling me she didn't care if I knew it was a scam or not that her shift was almost over. I told her I was going to report her and she said she didn't care- people do it all the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or thatI have signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please remove thefollowing items : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX , XXXX XXXX XXXX XXXX  XXXX, MO XXXX , XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00}, XXXX XXXX XXXX Balance : {$0.00} , XXXX XXXX Balance : {$420.00}, XXXX Balance : {$400.00}, XXXX XXXX Balance : {$300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so puzzled about this situation. I have no idea what is going on over EQUIFAX. It's just creating additional emotional & physical distress on my part. I have a loan with the accounts below. The current status should not be showing late because I paid it on time. EQUIFAX Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. 

XXXXXXXX XXXX XXXX XXXX