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

When I obtained a copy of my credit report I noticed that Equifax had my date of birth incorrect. When disputing a few accounts I had asked that it be corrected to show my true birth year which is XXXX. 

To dispute information they require proof of your date of birth which I had included my driver 's license which is an approved document as per their website. This has been going on since last year and they have yet to correct it. Something as easy as a date of birth with documentation they can not even corrected? What does this say about everything they report? I have attached the driver 's license that was also submitted with all my correspondence to them as per their guidelines. They even stated on one of their response to submit a copy of the driver 's license or birth certificate which actually was included in the initial request. That too has been attached. 

Please keep in mind that they would not even respond to a dispute if the proper documentation was not provided and the attachment shows they did respond meaning they had the documentation they required!!! 

If someone did not input my birth correctly at any point then it should have been up to Equifax to question it then because I know my date of birth and would never have put a different year.
Product: Mortgage

My mortgage is due on the XXXX of every month and after the XXXX if its not paid I get a phone call, text, voicemail, and email multiple times EVERY day until its paid. Its very annoying and I would like for it to stop.In almost 8 years that Ive had the home I went to 31 days once. Im LATE every month, but not Behind. The financial counselor that has my account is very rude! I have asked him to stop calling and sending me emails every day. I used to get 3 voicemails per day until I deleted my voicemail account. I get emails with personal info in it ( account #, and payment amount ). The behavior is unacceptable for being late! I pay late fees every month. I didnt move the house ; its just LATE!! I get threatened that they cant continue with my loan for being LATE!!
Product: Debt collection

I am a Federally Protected Consumer I know I have rights. I have the right to not have false credit information reporting on my credit report. I have rejected the offers to contract and I never gave my consent to have nonaffiliated third party collections to be in possession of my non public personal information. This is a notice to cease and desist communication and reporting of false credit information on my credit report is considered communication. I am not requesting validation of these alleged debts obtaining as non public personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. 
There is not even any original creditor information or third party information pertaining to this false credit information other than XXXX XXXX XXXX XXXXXXXX SO WHO ARE THE ORIGINAL CREDITORS? HOW IS THIS INCOMPLETE AND INNACCURATE INFORMATION STILL BEING REPORTED MONTH AFTER MONTH ON MY CREDIT REPORT? Therefore I have strong reason to believe that Equifax and who ever these mysterious creditors that are telling Equifax to furnish this false credit information are both conspiring to collect on extension through unlawful extortionate means. By putting this alleged debt on my credit report your damaging my credit worthiness. DELETE THIS FALSE CREDIT INFORMATION OR ILL BE FORCED TO TAKE STEPS TO ENSURE MY FEDERAL RIGHTS ARE BEING PROTECTED AND ENFORCED. The collection of this extension of credit would be a violation of false claims act. Remove this false credit information from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of XXXX XXXX and would like for all listed account to be blocked and deleted company information from Experian. 

Please delete the following account : XXXX XXXX XXXX XXXX Balance : {$1100.00}
Product: Money transfer, virtual currency, or money service

My cash app card was hacked by a third-party company and funds where paid out of my account to this third-party account and I couldn't stop it. I then had to change my card and reset my payment forms on many of my debtors accounts.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to express my concerns about potential violations of consumer protection regulations by XXXX XXXX XXXX, a title loan company operating in Wisconsin. I am also seeking protection due, the company insensitivity to my hardship and I believe I am being taking advantage of due my novice information on how this industry operate. 
Based on information I have gathered, I believe there may be instances where XXXX XXXX XXXX is not fully compliant with the rules and regulations governing the title loan industry, and this could be detrimental to the welfare of consumers. 
Specifically, my concerns are in line with the common violations associated with title loan companies that have been documented in the past. These concerns include : High Interest Rates : XXXX XXXX XXXX appears to charge extremely high interest rates, which could result in financial hardship for borrowers. 
Misleading Advertising : There may be instances where XXXX XXXX XXXX engages in misleading or deceptive advertising practices to lure borrowers into loans with unfavorable terms. 
Unfair Repossession Practices : Reports suggest that XXXX XXXX XXXX might engage in aggressive or unfair repossession practices. 
Hidden Fees and Charges : Concerns have been raised about hidden fees or charges within XXXX XXXX XXXX 's loan agreements. 
Lack of Transparency : There may be instances where XXXX XXXX XXXX fails to provide clear and comprehensive information about loan terms to borrowers. 
Targeting Vulnerable Populations : Concerns exist about XXXX XXXX XXXX targeting vulnerable individuals who may be in financial distress. 
Potential Violation of State Regulations : There could be instances where XXXX XXXX XXXX operates in violation of state-specific regulations governing title loans. 
Inadequate Loan Assessment : Reports indicate that XXXX XXXX XXXX XXXX not adequately assess borrowers ' ability to repay loans. 
Harassment and Collection Practices : There are concerns about aggressive and harassing debt collection practices employed by XXXX XXXX XXXX. 
I believe it is crucial for the Consumer Financial Protection Bureau to investigate these concerns and ensure that XXXX XXXX  XXXX complies with all applicable consumer protection laws and regulations. Protecting consumers from predatory lending practices is paramount, and acting against any violations is essential to uphold consumer rights. 
I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into XXXX XXXX XXXXXXXX 's operations in Wisconsin, and if any violations are found, takes appropriate measures to rectify the situation and protect the interests of consumers. 
Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureau 's commitment to safeguarding consumer rights, and I hope for a swift and effective resolution to these concerns.
Product: Credit reporting or other personal consumer reports

Experian is blocking me from accessing my Experian account. I have know way of accessing the account at this time. I've called to speak to a agent and there was no way to get into my account because the automated system doesn't give you the option to speak to a agent or to get into my account. I called there business line and still wasn't able to get into my account after talking to a agent still wasn't able to access my account. 
my Experian account is frozen and needs to be lifted and I'm being denied access to the account to unfreeze the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax have yet to provide me with their methods of Verification for a XXXX loan on my report this account is showing several inaccurate things like XX/XX/2021 changing the account from charge off to on time. Along with several different opening and closing dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company 6 times about the inconsistency and incompleteness of my credit reports and they have failed to preform a proper investigation as you can see from below how they are reporting the information. Please delete this account at once. 

I reached out to the company on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 and they have to respond to any request with proper validation per FTC Opinion. 

Payment history is reporting and it should be blank filled. Account status reporting as closed with transunion and open with XXXX. Account status incorrect should only be reporting as XXXX, XXXX, XXXX, or XXXX. Past due amount should not be reporting as I do not have a contract with this company. Date of last payment is not reporting so I do not know the purge date or if it's still inside the statute of limitations. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX TransUnion XXXX XXXX Account # Account Type Open Open Type Detail XXXXAccount XXXX XXXXXXXX  XXXX Ownership Individual Individual Account Status Closed Open Payment Status CollectionOrChargeOff CollectionOrChargeOff Monthly Payment Date Opened XXXX XXXX Balance XXXX XXXX Terms XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OK OK High Balance XXXX XXXX Credit Limit XXXX XXXX Past Due XXXX XXXX Last Reported XXXX XXXX Date Last Active XXXX XXXX Date of Last Payment
Product: Credit reporting or other personal consumer reports

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


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : # XXXX, Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate and should be removed from my credit report
Product: Mortgage

overcharged interest rates on my mortgage loan by cfpb greentree servicing
Product: Debt collection

According to 15 USC 1692C I advised Midland Credit Management to cease and desist all communication regarding improper reporting of multiple accounts under my name to the 3 credit bureaus and they have continued to report such debt and violate said law. I do not know who this company is and have never had any accounts with them or signed any contract with them agreeing that I owe them anything ( they have also failed to provide me with proof of the same ). I request for them to cease and desist all communications, improper reporting and collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act. 
The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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

15 .U.S.C 1781 64 A section 2 : it also state consumer reporting Agency cannkt Funish a account withiut written instructions.

15 U.S. C 1681c. ( a ) ( 5 ) section 2 States : No consumer reporting agency may make any consumer report containing any of the following items of information qnynother adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15U.S.C 1681s-2 ( a ) ( 1 ) a person shall not funish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I was never late on this account. I have made all my payments on time. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX. 
I never had a contract with this debt collector for any debt. 
XXXX account with account # XXXX opened on XX/XX/XXXX. 
This account is incorrectly being reported as a charged off account with a balance due. 
XXXX  account with account # XXXX opened on XX/XX/XXXX. 
XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 90 Delinq is incorrect because the balance due on this account is {$0.00}. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX I am writing to dispute the following information that appears on my XXXX report XXXX XX/XX/XXXX : XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of 60 Delinq is incorrect because the balance due on this account is {$0.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX. 
Collection account from XXXX XXXX with account # XXXX. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX  with account # XXXX opened on XX/XX/XXXX. 
XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Charge account with account # XXXX  opened on XX/XX/XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX Collection account from XXXX, XXXX with account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon research of the Fair Credit Reporting Act removing and replacing an item on a persons credit report is Illegal and this company XXXX XXXX had removed this account from my credit report on XX/XX/2021 and then placed it back on my credit report XX/XX/2021. XXXX XXXX needs to be removed from my credit report permanently. This account is not mine
Product: Debt collection

On XX/XX/XXXXXXXX my back account when I filed bankruptcy in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX  {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is not accurate. 

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

From : XXXX XXXX XXXX, Consumer XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Hello , I am writing this complaint because TRANSUNION, LLC, or " TRANSUNION '' continues to furnish and disclose fraudulent inquiries onto the Consumer Report of XXXX XXXX XXXX , Consumer. Transunion has failed to ensure maximum possible accuracy of this information as it pertains to XXXX XXXX XXXX, Consumer. 
Please see, " XXXX XXXX XXXX, XXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX TransUnion XXXX ( XXXX ) '' TRANSUNION and the following creditors have severely suppressed the financial reputation of XXXX XXXX XXXX, Consumer, as these fraudulent inquiries are prohibiting said Consumer from extending credit due to the following three inquires being furnished : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX The CFPB Complaint dates and correspondences are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX CFPB Case Number ( XXXX ) : XXXX XXXX Submitted to Transunion on XX/XX/XXXX Transunion responded on : XX/XX/XXXX CFPB Case Number XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX CFPB Case Number ( XXXX ) : XXXX Transunion : XXXX Submitted : XX/XX/XXXX In Progress as of : XX/XX/XXXX Transunion Responded : XX/XX/XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX FL XXXX CFPB Case Number ( s ) : XXXX Submitted to CFBP on XX/XX/XXXX, Sent to Regulator ( FTC ) on XX/XX/XXXX, no Response as of XX/XX/XXXX. 
Transunion : XXXX Submitted on : XX/XX/XXXX In Progress as of : XX/XX/XXXX Transunion Responded : XX/XX/XXXX Each time Transunion took more than ( 30 ) days to conduct a reasonable reinvestigation. after receipt of Notice. Please see : " XXXX XXXX TransUnion XXXX. 
( XXXX ), " XXXX XXXX XXXX, XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) '', and " XXXX XXXX XXXX ( XXXX ) ''
Product: Vehicle loan or lease

This complaint is on Byrider of XXXX. They prey on people who have to get cars to survive and would not be able to get them from anywhere else. At the beginning of every loan, you have with this company they make your first 4 payments null, and they pad the down payment to make it look like you put down more than you actually did. Then they are unwilling to help you if you need to make a change to your payment structure. I asked to have my payment moved to my current payday so that I would not be late on my payments, and they stated that they could not do it. However, this is my second car from them, and I know that it can be done. I had to find a new job after being off of work for 3 months. I was still able to keep up with my payments, but I began to be late still making them but late occasionally, so I asked, and they refused to help out at all. They also charged me months of insurance on a car that I had adequate insurance on. And stated they could not return the money to me because I already paid the car off early. This company is a revolving door for one bad account manager an upper management.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to impact my credit negatively. Despite my efforts to resolve this directly with the reporting agency, it remained unresolved, I sent numerous letters to the credit bureau, but they never responded with the items I requested, it came back verified or accurate. How is it mine and you send me no evidence that it is mine? This kind of bureau always happens with XXXX and Transunion. I have enclosed a copy of the letter.
Product: Debt collection

Tower loan keeps calling every day 7 or more times a day. They are calling my husband 7 or more times a day. They have even called my mother and my sister many times. I keep makeing my payment. It may be late but i do always pay. Even if im 1 day late they start calling over and over. I have spoken with them and told them this is harassment but they keep calling. Im to the point im going to go get a lawyer. 
Numbers they have called from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed items get corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2700.00} ; XXXX XXXX XXXX XXXX Balance : {$51000.00} ; XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX {$650.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.
Product: Debt collection

CBE Group, as shown on caller ID, called and asked for someone named XXXX XXXX XXXX. That person has not existed for over a decade and thus has no outstanding debt in existence. Calls were also disconnected in an unprofessional manner and call backs were left to ring incessantly, avoiding communication. Debt is older than 10-15 years and no longer owed. Company should be fined and dismantled
Product: Credit card or prepaid card

Once I visited Macy 's store in XXXX, I was persistently offered their credit card on terms that there will be a 20 % discount on making first purchase at the store. I didn't have to buy anything that day and I confirmed this from the person who issued me this card that I'll come later and I'll still get the discount. When I visited later, at the billing counter, the concerned person again told me that the 20 % discount will appear in the monthly statement. That never happened, I received the bill without discount applied. I raised the issue several times over email as well as phone- it was never resolved. Since I was billed wrongly, I didn't pay the bill and kept requesting to fix the mistake. Instead of fixing the bill, I started receiving the bill with late fee on top the wrong bill. I again kept calling, writing mails to your team to get it fixed. Instead, my credit score was devastated. Please fix the bill and also report to the credit bureau so that the mistake is undone. I've gone through enough mental stress as of now, please don't aggravate it by not fixing the mistake that happened at Macy 's end