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

I am writing to express my outrage not just at the recent security breach at XXXX, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input?
Credit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers.
The situation ( at XXXX at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report.
However, I have no doubt that the charges will return very quickly ( XXXX and Experian have not offered a free freeze at all, and XXXX doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXX-year-old mother, and me fees would total {$2100.00} annually for full protection. 

Sound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.
Product: Debt collection

I was told that XXXX XXXX would be representing me, and that if I paid my fees, that my debt would be eliminated completely. They changed my credit card the day I spoke with them for the first time. They told me I signed a contract that I never received a copy of it, and didnt sign anything. They told me to stop paying on my debt, and that I dont need to worry about a thing. Next thing I know I have XXXX lawsuits. I paid them over {$7000.00} and was told that I would never pay anything more than the fees. My lawsuits include their fees. I would never have paid {$7000.00} for someone to consult me for {$20000.00} worth of debt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for the unauthorized disclosure of my non-public bankruptcy information, which I believe violates the Fair Credit Reporting Act ( FCRA ). The agency furnished this sensitive information to unauthorized parties, contravening Sections 604 and 628 of the FCRA that protect the confidentiality and accuracy of consumer data. Furthermore, I have received a letter from the bankruptcy courthouse confirming that they do not furnish bankruptcy-related matters to credit reporting agencies, supporting my claim of improper disclosure. I have formally disputed this matter with the agency and am seeking corrective action to ensure my information is secure. I request the CFPB 's assistance in resolving this issue and holding the agency accountable for this breach of consumer rights.
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 Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard credit hits on my credit from XXXX XXXX, XXXX/XXXX  and XXXX XXXX  XXXX XXXX 

ALL NOT ME. 

PLEASE HELP ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 Section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/XXXX i called bank of America customer service number to ask for my account number because i was on my way to file my XXXX taxes. After weeks went on i noticed i didn't get my money back. I called the IRS and they said the money was deposited in the account. The number the guy on the phone gave me was the wrong account number. I went to bank of America and they send me to the IRS and the IRS sent me back to bank of America, this back and forth went on for months. During the time i found out i was expecting a baby. The IRS told me that its bank of america 's duty to inform the account holder that the wrong amount of funds was deposited to he or she's account but bank of america said they cant say anything. I looked into hiring a lawyer but the lawyer said their fee would cost more than the amount of money i was trying to get back. Needless to say i lost my whole tax refund that year all XXXX dollars. The bank of america rep that i spoke to said i could've never got the number from one of their workers. This situation took a lot out of me at the time emotionally and physically. They were inconsiderate and lack empathy. I have never had my tax refund direct deposited since because of fear that this might happen again. I would appreciate any help or information that you guys can offer on this matter. 
Thank You
Product: Vehicle loan or lease

I called Chase Auto Finance and in the past was told they do not charge late fees for 14 days in the state of florida. In the past they did not even up to day 14, as it is Florida law. I was told this many times both by phone and in writing. I was also told the loan could possibly skip a payment due to fema or state of emergencies declared. However just like how they lied and disrespected Ms. XXXX and the rest of the senators over the last 2 days, they are of course denying all this to me now in my time of need. There was the XXXX XXXX XXXX XXXX  XXXX XXXX as well as the XXXX XXXX XXXX. They will not provide releif and are not handling my calls. Very rude. Please help. As you know their is a famous XXXX saying that the fish rots from the head down. It appears to hold true, meaning corruption at the top is also stinking up other areas of a once great company. Poor leadership from the executive offices and redemption team is to blame here. Inconsistent people with inconsistent policies. I can not believe we bailed these clowns out again. Help me keep them honest.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had XXXX late payment on an account that i was never late for XXXX XXXX XXXX have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment fot he account : XXXX XXXX XXXXXXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Vehicle loan or lease

Hello, I am struggling to keep up with my car loan, The amount I pay is XXXX The problem is that since XX/XX/2020 The president declared waived no payments for 3 months, I am not getting the same amount of my monthly income that I used to have. 
Since the pandemic hit the U.S I have then called Nissan Financial That we came to an agreement of paying {$260.00} As of now, since then In XXXX they have called me multiple times Saying that I have only done half payments and want full payments They don't understand there's hundreds of people now with evictions and Nissan has kept calling me about full payments twice in XXXX and XXXX. I can only afford to do the payments of XXXX.
Product: Credit reporting or other personal consumer reports

I was checking my credit score and send activity on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted them via telephone and in writing. They are reporting that I filed a recent bankruptcy in 2020 causing me to be declined and or pay higher interest rates. I did not file bankruptcy in 2020. My ex husband filed in 2020 and I was by accident added by mistake. They quickly corrected the issue and closed the bankruptcy with me. My ex husband currently filed the bankruptcy and not me. The credit company has failed to correct this issue by removing the bankruptcy filed in 2020 by my ex husband. They fail to do anything with removing and its causing me to be declined bc of this error. Banks are looking that I filed bankruptcy in 2020 counting it has a recent bankruptcy. However, there is no court order showing a discharge of this 2020 bankruptcy but I did not file one. They also fail to remove inquiries that I have in writing disputed. I have a fraud alert on my credit which makes a company have to go through steps to extend credit. The companies have never called me and I have never done business with them. The alert was placed due to my ex husband using my social security number. The same companies are running my credit every month without getting authorization from myself. The credit agencies as well failed to protect my credit account even with several telephone complaints and filing concerns and disputes in writing. This is an issue with all 3 credit agencies.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Your agency is in violation!

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the CRA ( Equifax ) via a certified letter on XX/XX/2019. In my letter, I asked if they ( Equifax ) would update/correct my personal information on file with their agency, which included removing ALL non-deliverable names, addresses, phone numbers, and employers. To this date, the CRA ( Equifax ) has NEVER responded nor corrected my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public record of bankruptcy is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this erroneous account from my credit report as it is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I received notice from rentdebt automated collections that I had a balance of {$6200.00} from a XXXX XXXX XXXX, my previous residence. The information was not correct according to the management company of XXXX XXXX. Unfortunately the property of XXXX XXXX has been acquired by a new management company and there are no records of this debt. I want this item removed because it is not correct and the company refuses and uses scare tactics to recieve payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Product: Debt collection

This company, National Credit Adjusters, contacted me a little over 2 yrs ago reporting that legal action would be taken on me if I did n't settle a debt from XXXX. They cited my address, social security number and email address, but they did not have all the correct information and I would not verify a single thing for them. 

I have never heard of XXXX and have never taken a payday loan out in my life. I reported NCA at that time, but never heard anything of it and they stopped calling me as I was threatening that I had already reported them and would continue to do so. 

Now, I just received another letter from them, 2 yrs later, stating the same debt and ways I can take care of it ( attached ). They are a scam. I asked every person I spoke with for their name and would search for them online. When I did n't find them, I 'd call them out and ask them to tell me one social or professional profile of theirs I could look up to verify they were who they say they are ... of course, not one of them had anything to tell me. 

I let them know I very familiar with my credit report and would continue reporting them as fraud if they continued to contact me.
Product: Debt collection

Diversified Adjustment Service , Inc. Is contacting me for XXXX. They have added {$180.00} in collection fees which made the bill hire. I'm not paying their collection fee. They are out of their mind. I am facing financial difficulties which is why I couldn't pay my cell phone bill anymore. They think I'm going to pay their fees and interest they are out of their mind. To make it harder for me to pay off.
Product: Checking or savings account

Today my account with SoFi online bank was frozen without proper reason. I called the agent and explained that my account had been frozen and was told that it was due to receiving a supposed payment that caused a security risk. The payment in question is from my the agency that I work XXXX XXXX who pays me monthly for graphic design work. Ive gotten at least the last XXXX payments from them to my XXXX account without any problem so I dont understand why they would block all the funds that have for a deposit from someone who pays me? This is all the cash on hands that I have and after speaking to the agent there seemed to be no urgency on their part! I find this ridiculous. They promote getting direct deposits with your business in the app in order to gain rewards, yet after I get my employer to make direct deposits now all of a sudden there is a problem? This is false advertisement and its unfair to penalize the client ( myself ) when Ive only tried to have a healthy account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

on XX/XX/24 I was alerted that a collection was added to my file by an collection agency named XXXX XXXX  XXXX company the original creditor was XXXX. I then contacted XXXX  letting them know that this account is not mine and was opened fraudulently. I was then advised over the phone call to send in a statement with my ID front and back and police report. I sent over everything require and this information is still on my credit report
Product: Checking or savings account

Hello My Unemployment Usbank Reliacard has been blocked for over 7 days. I have sent in numerous verification documents as requested by the bank to have my unemployment bank card unblocked but still no resolution. I have attempted to contact every source for assistance but still no resolution. My unemployment card is the only source of income that I have. I have sent to the Usbank my personal photo, my identification card and a copy of my home rental lease to also proof identity and residence. This is causing serious issues as I am not able to take my autistic son to see his physician and attend his therapy appointments because I cant use my Unemployment Usbank Reliacard. Any help would be greatly appreciated. Thank you in advance.
Product: Debt collection

I received a notice from XXXX XXXX that I had a collections account. I reviewed the credit report for XXXX, XXXX and XXXX which all showed the new collections account. When I checked the reporting information it stated that account was opened XX/XX/2024 and did not have a date of delinquency. I filed a dispute and requested that the debt be verified and validated. 
Upon checking to see who Paramount Recovery Systems was I saw a bunch of complaints on various websites. It seems that every time they buy a batch of debt they send the information to the credit bureaus without sending the debtor any notice explaining to verify or deny the debt. They report debtor to Credit Agencies knowing they have not sent debtor the notice and that it is probably old debt. 
I never received a notice even though I have lived at this address for the last 18 years and have not changed my phone number in over 5 years. 
The first contact was when I was notified that I had an account in collections by XXXX XXXX. To this date I have not been contacted by Paramount Recovery Systems or sent any notice yet my credit is being affected.
Product: Bank account or service

recently I noticed that an amount of {$89.00} has been deducted from my checking account at PNC bank on the XXXX of every month from XX/XX/2015. I made several calls to PNC bank to identify who isa taking my money. At first PNC ban told me it was XXXX XXXX. I checked to make sure XXXX has not been taking money from my PNC account. I called PNC banks again to say that and I dont know who has been taking my money. I told them I need to know the company and theit TP number but they kept telling me they dont have that info., I found this bizzare. So I lost almost {$270.00} from my PNC account but PNC cant tell me the XXXX no or the merchant. Please help me to recover these funds that I work 6 days a week to earn. Thank you so much
Product: Mortgage

I have had my mortgage for12 years, and due to my job payment date always pay my mortgage on the XXXX of the month. A few months ago I was in a hurry and accidentally paid my mortgasge from a wrong account. There was insufficient funds, I realized the error when I noticed that the payment was not being withdrawn from my usual bank account. I initiated correction called US Bank and explained the problem. Since then reps call me on a monthly basis and harass me about the payment, even though my payments are always made within the grace period. Last month one rep called me and began asking probing questions as to whether I was living in my house or renting it. Itold them that was an irrelevant question, I felt that they were going too far, I asked them to not call me and harass me, but to check the records and note that I have always paid my mortgage. Also Us Bank told my spouse that if he brought cash in excess of XXXX to make the payment, that they would not accept it. When I went to make my payment in person the teller asked for my State Identification to pay the bill. I was shocked and told him that I had never heard of that he said that it wad a new regulation, I told him that I needed to see the regulationand I requwsted to speak with the manager
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I sent a letter to both Experian and XXXX to reset my Online Access as I am not able to login due some kind of blocking or security issue with their website and systems. I have called them so many times but no use and I do not have Online even after 6 months of trying.