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

On XXXX XX/XX/2023 I tried TWICE to get my free online credit reports at XXXX and all three credit reporting companies, equifax, XXXX, and XXXX claimed an error or problem and denied giving me my report. All the information that I carefully entered was entirely correct and this used to work before with the same personal information, so the problem must be on their end. It is not acceptable to have to send snail mail or call each credit reporting agency since that is what XXXX is for. 

Thank you!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

I was waiting for a decision from the loan company when they placed the loans in default with out providing a working solution for the issues of the pay out. I had received bad information about my loans.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX Account XXXX XXXX XXXX account # XXXX XXXX U.S.C XXXX Sec XXXX A. states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A XXXX It states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C XXXX XXXX ( A ) ( XXXX ) 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

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

The late payments that are being reported on my credit profile violate my consumer rights under FCRA XXXX XXXX XXXX XXXX XXXX. As a long-time customer that has had an exceptional payment history with XXXX Of XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe companies of this magnitude doesn't care about their customer rights. XXXX XXXX XXXX XXXX XXXX my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few items on my credit report are being reported inaccurately. When I contact Equifax about this, they just provide me a general response and are not carrying out their responsibility to verify the accuracy of this information.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 
Also, they aren't even in compliance with XXXX XXXX credit reporting. 
I have evidence to prove my case!
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX will not " unfreeze '', or " thaw '' my frozen credit account. As a result of THEIR mismanagement of consumer data, and subsequent data breach, I followed general consumer advice to freeze my account at all 3 major credit bureaus. At the time, the company gave me a PIN number to " unfreeze '' my account, when needed. Well, at some point, they upgraded their PIN number system, and my old PIN no longer works. When I call the company to attempt to unfreeze my account, I get put directly into their automated verification system, without being given the option to talk to a customer service representative. When I attempt to answer the questions, they tell me my answers are wrong. Based on that the automated system states it can not verify me, and HANGS UP. When I call back, the exact same thing happens, OVER and OVER and OVER. It's a XXXX loop that I can not get through, and the automated system does not let you talk to a customer service rep UNLESS they can verify you. But THAT IS the problem. The problem is somehow, with the data they have, not matching the answers I give them. I understand that but I CAN NOT begin to SOLVE the problem WITHOUT talking to a representative. Again, I can not talk to a representative until they " verify '' me. I have mail them information TWO different times. All they do is KEEP my ORIGINAL documents and send me a letter telling me to resubmit the SAME XXXX DOCUMENTS, without telling me specifically WHAT is wrong. So, I have sent the same documents TWO times. I got another letter telling me to SUBMIT THE SAME XXXX DOCUMENTS A THIRD TIME. XXXX, now WHY would I do that again if you won't tell me WHY they don't work???? DUH!? I am sick of this. I can not do small things like switch to a different long distance service provider, because they MUST run a credit check, and they can not successfully do it because of the " freeze '' on my account ( they use Equifax ). I CAN NOT do large things LIKE SELL MY HOUSE, because the electric company WILL NOT put electricity in my name WITHOUT RUNNING A CREDIT CHECK, which they CAN NOT SUCCESSFULLY DO since my credit is " frozen ''. They use Equifax. The house can not pass an inspection IF ELECTRICITY IS NOT ON. This is affecting my LIFE, and I CAN NOT talk to a representative regarding this, only a mail box abyss and an ultra frustrating, endless, automated phone loop, that I can not successfully get through and get hung up on every single time I simply try to call, to JUST TALK TO A HUMAN being. This company should make it SUPER EASY for consumers to talk to a live person since CONSUMERS DID NOT ASK THESE COMPANIES TO COLLECT AND STORE OUR INFORMATION, NOR DID WE ASK THEM TO HOLD US XXXX FOR THEIR OWN ERRORS THEY HAVE REGARDING OUR DATA. This does not affect the company at all, however these companies are AFFECTING PEOPLES LIVES!!!!! To boot, these credit bureaus get to SELL OUR DATA FOR FUN AND PROFIT, WHICH CONSUMERS HAVE NOT, I REPEAT, HAVE NOT, HAVE NOT, C-O-N-S-E-N-T-E-D too. This has gone WAY too far.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 FDCPA XXXX XXXX False misleading information FDCPA XXXX furnishing deceptive forms must correct late payments under XXXX XXXX XXXXXXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX Balance : {$240.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by XXXX5 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes regarding this account being on my credit report which is hurting my credibility and hurting my ability to obtain credit, Experian has not only failed to respond but blatantly ignored my complaint which has also disregarded the laws to my consumer rights. 

I asked them to validate the validity of this account being 30 days late XX/XX/2019, also sent them a method of verification once there E-oscar system has kicked back and auto response of update to my complaint which I didn't ask for and update. They are housing misleading persona identifiers on my report as well merging my file with others and compromising my profile. 

This account is bein reported late with Experian and XXXX  but on time with XXXX the creditor has sent proof that I am up to date and not late screen shot of error below XXXX  XXXX  Account # : XXXX XXXX
Product: Mortgage

I applied for a home loan and received the loan through XXXX. XXXX XXXX then sold my loan to PHH Mortgage. PHH Mortgage has yet to send me information on payment information. I contacted them in XXXX, and XXXX requesting the information. 

Currently my payment is up to date as I always pay the month in advance before it is due and my previous payments to XXXX has me paid for in XXXX. XXXX I will need to make a payment however. 

Having asked multiple times in the course of a month PHH has yet to send me the billing information. Thankfully XXXX listed the new loan number or I would not have that. 

My only desire is to continue to pay my mortgage on time as I had done with XXXX.
Product: Debt collection

Debt from more than 3 years ago, which is not valid of {$100.00} Have repeatedly contacted company for verification of debt including CERTIFIED MAIL ( have card signature verification that was received ) on XX/XX/2021. Company will not responded. 

Also sent CERTIFIED MAIL ( have card signature verification that was received ) that contact was to cease and communication was to be through mail. Company continues to call. 

Company has reported this account to all three ( 3 ) credit bureaus. I have kept scrupulous records that include dates, names and atte
mpts at communication.

My rights have been violated under the FDCPA in multiple instances.
Product: Credit card or prepaid card

I had filed several disputes regarding My transactions involving XXXX accessories pl for XXXX XXXX XXXX XXXX XXXX  XXXX XXXX for XXXX XXXX for XXXX and XXXX XXXX and XXXX  card is refusing to provide me a provisional credit
Product: Debt collection

I find it offensive that someone from AMEX debt collection feels it appropriate to call me regarding contacting someone with the same last name. 

They called asking about their need to urgently contact my brother. They never said they were debt collectors. I never told them it was my brother ( who I have no contact with ). 

AMEX had no permission to research and find my phone number through its internal records or running a credit report on me. I never gave AMEX permission to access my records and use them for their debt collection agents. 

This is highly offensive and most likely a violation of Federal law. 

They have no rights to let others know you have a debt collection issue with a customer. 

I tried calling them back to protest, no live person. I called their executive offices, they refused to transfer. The email to send complaints is not valid. I did email their CEO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a line of credit in the amount of {$1000.00} with PNC Bank. I am a long standing customer as well as my husband as his business account are with PNC ( was known as National City Bank as well as my accounts as well. A couple of months ago the amount of {$140.00} was used from the line of credit on one of the accounts. I don't know if it was an over draw or what. The bank sent us a bill and I gave it to my husband and he forgot to pay it. It was an oversight. When the bank sent a second notice, he went in and paid it and the account was paid in full and up to date. In the meantime, PNC reported this to XXXX with a statement that my account was suspended and closed. I was so upset. I went into the bank and they were not helpful. Even though it was an oversight and I never had a late payment, they said that I would have to take that up with XXXX  which I know can't do anything about it without PNC getting involved. My account is open and active and PNC would not even send an update to XXXX  and XXXX to tell them that the account is open and active So now on my credit report this untrue statement will remain for 7 years. I have worked extremely hard to keep my credit rating in good standing and now this is on there and it isn't even true as of XX/XX/2019. I never have had a late payment on anything. I am surprised that they did this and more unhappy that they will do nothing to update this so it doesn't show a closed account on my credit report. 
I filed a Complaint with XXXX  but without PNC cooperating, nothing will happen Hopefull your agency will be able to help me so that I will not have to have this blemish for 7 years on my credit report.. 
This is not how to treat a long standing customer. 
Thank you for your time. 
XXXX XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/18 called harassing me and my brother threatening to sue me and come to my home and demand payment. Called number they gave me told me I had to pay full amount said I couldn't at this time then rudely told me why I bothered to call
Product: Credit reporting or other personal consumer reports

I saw this credit card account on my report and it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. I filed a FTC report and I contacted the local police department. I'm doing this on my own behalf. XXXX XXXX XXXX, XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, 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 & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX CT XXXX, GA XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and permanent deletion of fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following accounts and inquiries were not authorized by me : Fraudulent Accounts : 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 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 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 XXXXXX/XX/XXXX
Product: Mortgage

In 2010 I became 120 to 149 days late on my mortgage and ended up with a large amount of fees that through this agency was reduced from {$22000.00} to {$7200.00} in unpaid fees and late charges. They said the fees were past due interest moved to the end of the account and called 'fees ' to avoid capitalization or further interest.I asked for a detailed breakdown of those charges and never really received one though I did get the reduction. That still seems too severe to me. My mortgage rate is 11.88 % and if that is applied to the full {$1400.00} Paid each month over 6 months it comes to {$2700.00}. If the late fee was {$57.00} a month that comes to {$340.00} and added to the to the above lost interest and that would come to {$3000.00} which would still be outrageous since that looks to be 400 % a year in interest but is also {$4800.00} less than what they say the fees are. 

I have tried to be reasonable and now have come to the end of my patience. Because Wells Fargo set me up with a Forbearance Agreement ( that does not qualify for a HARP loan ) though HARP Loans were available, because this affected my ability to refinance and effected my credit, because it has limited my financial ability to make improvements in my house or other financial investments, because it has limited my ability to find more satisfying employment, and because this has taken time and energy and has been so stressful I demand Wells Fargo either take {$60000.00} off the equity of my mortgage or give me that sum in cash. If this is not provided within 30 days I will consult with an attorney and ask for considerably more.
Product: Money transfer, virtual currency, or money service

My paypal account has US {$1700.00} which has been restricted for more than 180 days. The last transaction date was XX/XX/2019. However, after logging in to my account, I found that I could not perform any operations and could not access the withdrawal page. I have contacted paypal many times by email, but I still can not withdraw cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact and retained XXXX XXXX XXXX This Credit Reporting Agency has continued to allow these accounts to report in my name materially false and fraudulent accounts. 

We will also be sending out registered mail to the agency and dependent on the outcome we will choose the next steps. 

Please cease and desist all reporting of these accounts and inquiries. 

Accounts include : XXXX XXXX XXXX - {$0.00} XXXX XXXX  {$42000.00} ( in collections/charge off ). 
XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - {$5900.00} XXXX XXXX XXXX - {$3200.00} Inquiries include : 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: Debt collection

I have requested an itemized validation of the debt because it is a hospital bill that I would like to know if I have already paid a portion of or that I didn't owe to begin with. I got one statement from them that had a one line total, date and who it was for, nothing else. Every time they call me, they ask for my date of birth, last four of SSN and my street address. They call from different numbers and I do not feel comfortable giving any of that info out. I have asked them to quit calling me while I am at work ( I XXXX XXXX XXXX ) and that they can reach me after XXXX XXXX, but not only do they continue to call, they called 2 hours after I told them not to call me at work. I have started paying down the smaller debt directly to the XXXX. These people are nasty and rude and I do not want to pay them anything. I have proof of my last three payments to the hospital ER.