23daVinci/CFPB_Complaints huggingface dataset:
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 15 USC 1681. I have asked XXXX, Transunion, and XXXX to reinvestigate the following accounts : name : XXXX XXXX XXXX account # XXXX name : XXXX, account # XXXX name : XXXX XXXX XXXX, account # : XXXX name : XXXX XXXX XXXX, account # XXXX name : XXXX XXXX XXXX, account # XXXX name : XXXX XXXX XXXX, account # XXXX, name : XXXX XXXX XXXX , account # XXXX name : XXXX funding, account XXXX XXXX name : DEPT OF ED/XXXX, account # XXXX XXXX name : DEPT OF ED/XXXX, account # XXXX XXXX  The following hard inquiries : name : XXXX XXXX  date : XX/XX/XXXX The following soft inquiries 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 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 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 are 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I legal changed my name in Superior Court of XXXX County, Arizona. 

I sent in a copy of the legal name change document to the three credit reporting agencies. 
Equifax- continues to this day, refuses to acknowledge, update and claims to never receive my documents. I have called them consistently all throughout the month of XX/XX/XXXX when I applied to get a mortgage and was denied due to improper information in my credit file. ( I am attempting to use my VA home loan ). After battling it out I sent in a fax to XXXX their reported fax number on XX/XX/XXXX @ XXXX Fax serial number XXXX transmission result OK. I have called every single business day since initially I was told 3-5 business days " XXXX XXXX ( XX/XX/XXXX, XXXX XXXX  ) : The process takes from 3 to 5 days. '' Then I was told on Day 5 by a supervisor, it takes 5-7 Business days. Now, XXXX XXXX @ XXXX I am being told it takes 7-10 business days. Yet they lack any system in place to track fax machine receivables. All I want is my Legal name corrected on my account!
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my authorization and I request their immediate removal.

The accounts in question are : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$6800.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1500.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX  XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

i reached out to the companies that report my information regarding the inquiries on my credit report and the credit bureaus about these inquiries that are showing up on my report that are inaccurate. The following is a list of the inquiries, 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: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, TransUnion, XXXX, 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 and XXXX XXXX  regarding accounts on my credit report that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

Due to a temporary situation financially of having to care for and pay for my mother ( XXXX XXXX ) funeral and burial out of my own pocket and alone which caused me to have some late payments earlier in my loan. I have worked diligently to keep them up and consistently on time. I have never absconded and have been tirelessly in communication about the account. The agency ( XXXX ) agreed thru a goodwill gesture to update my account and I was told they would rid any late payments statuses to all 3 reporting agencies and late payments would state ( zero ) or none. This is extremely important now because I had a background check performed and this was revealed to my employer. It could jepordize my future employment and other current situations by this reporting. This damage would be irrepairable and permanent. My plan is to pay this account in full by XX/XX/2020 and have put things in place to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the day of XX/XX/XXXX, I mailed off a letter to XXXX XXXX XXXX. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. XXXX converted the check to a digital check and cashed it, but the late notice was not removed from my credit report.
Product: Mortgage

Ocwen has been falsely reporting on my credit report for years. They say I am delinquent. One month it showed I was current and the very next month they reported I was FOUR MONTHS BEHIND! How would that even be possible. They have held strong with reporting I am two months behind ever month. I have made extra payments and it goes to some mysterious escrow cushion. If I call to complain all the customer service people say is, " How would you like to pay to get your account current '', WHAT?!
Product: Credit card or prepaid card

I applied for an Apple credit card through Goldman Sachs Bank USA on XX/XX/2021, and my application was denied. I was discouraged and discriminated against through their application process. Their institution did it against my will. I do not agree with their decision.
Product: Vehicle loan or lease

XX/XX/year> Vehicle was surrendered XX/XX/year>, during non business hours. The key was left within the unlocked vehicle. Called customer service after not being able to reach the XXXX Title Max location. Advised by Title Max customer service to go back and sign surrender form since it is a collateral loan. Arrive back at the location and XXXX, while assisting another consumer asked across the room for the reason I was there. I advised I needed to sign a vol form. XXXX, responded what is that? I then stated voluntary surrender. A few minutes later she approach while I was sitting in the lobby what is name, your telephone number and why are you surrendering the vehicle and what is wrong with the car? I replied, because it's old, because I was in shock by them of lack of decorum and privacy. XXXX, then expressed using an uncouth facial expressions and asked again. At that point, I stated I do not wish to state my personal business across the floor. In addition, 2-3 other patrons were in the waiting area or being serviced. XXXX, then proceeded to state in demeaning tone quote " I guess you gon na to have to wait for someone to help you then '' unquote. I replied and you need to be professional. She returned to her desk and printed my information out while in front of another patron and sat is on her desk. XXXX, then became available and I explained I spoke with him earlier and advise the car was at the location for voluntary surrender and customer service advised me to come in and sign the voluntary surrender. He asked me to retrieve the key. As I walked back he was handed my paperwork from XXXX, and XXXX, then asked across the room is there anything else she needs to do? Again, in front of another patron. XXXX, did not asked one question. And if there was not additional question to be asked why was XXXX, asking earlier who, what, and why. If it is part of procedure why did XXXX, not ask? 

Title Max Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Hours : Closed Opens XXXX Mon Phone : ( XXXX ) XXXX Customer Service XXXX
Product: Payday loan, title loan, or personal loan

I applied for a loan through  XXXX .  Them the y said they were going to send my request to many lenders but they only sent it to one which was  XXXX . They are predatory lenders. I did n't sign any agreement with them but they are constantly calling and sending emails trying to get me to sign a loan for 774 % .I am not very educated but do know that in know way is this a legitimate way to borrow money. I would be better off going to a loan shark. Something needs to be done about these predatory lenders.
Product: Debt collection

Attempted to dispute account through the credit bureaus. Account is showing completely different info on each of my credit reports. 
FTC requires per FDPCA info needs to be reported accurately. Reported to XXXX and XXXX as a XXXX XXXX XXXX and XXXX shows Collection. There is also a monthly payment of {$87.00} showing on XXXX while no monthly payment for XXXX and XXXX. Date opened for XXXX and XXXX show XX/XX/XXXX and XXXX show XX/XX/XXXX. All 3 credit bureaus show different high credit amounts. XXXX shows : {$8000.00} ; XXXX shows : {$7000.00} and XXXX shows : {$5700.00}. Credit limit on XXXX show : {$7000.00} and XXXX and XXXX show : {$0.00}. XXXX and XXXX show Collection as Payment Status while XXXX shows 120 days late. Date last active show XXXX completely different dates, XXXX shows : XX/XX/XXXX, XXXX shows : XX/XX/XXXX and XXXX shows : XX/XX/XXXX. Also account was recorded as a XXXX  from XX/XX/XXXX - XX/XX/XXXX, XXXX shows XXXX XXXX XX/XX/XXXX XXXX XXXXo info for XX/XX/XXXX then XXXX XXXX XXXX XXXX  no info for XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX XXXX XXXXo info for XX/XX/XXXX. XXXX shows absolutely no Credit history. This account is having detrimental effect on my credit and is reporting inaccurately. Therefore account needs to be removed from each of the three credit bureaus : XXXX, XXXX and XXXX to avoid being in violation.
Product: Credit reporting or other personal consumer reports

I filed a XXXX  XXXX Bankruptcy in XX/XX/year>. Since then, experian has been unable to report a XXXX  score for me. I've had car dealerships and banks attempt to run my credit and every time it says " no score '' which is obviously not correct. I've spent MONTHS emailing, calling, messaging, and writing to experian and have never received a response or talked to a human. Their phone numbers ALL lead to dead ends. HOW is this legal??? One of the 3 major credit reporting bureaus can just refuse to report anything??? So for 6 months I have not been able to do anything involving my credit and experian refuses to even respond, let alone fix the issue Credit scores are already such a scam created by the banks, but they need some policing because this is ridiculous. Almost a year with no response or help? Even if my score is terrible I need to have access to it, since it is MY INFORMATION, not theirs. 

Absolutely appalling that this is allowed. Can someone please pass some legislation requiring these companies to operate with at least a tiny bit of integrity - and maybe require them at a minimum to have a human being available to assist consumers??? 

I need help. I can't just exist with no credit score forever.
Product: Consumer Loan

I purchased my vehicle back in XXXX 2015 - My XXXX payment was due XXXX/XXXX/2015 - I made that payment on time payment was made in full by XXXX/XXXX/2015. I then contacted Ally the next day to request a ddc. My next due date was not until XXXX but financially my due date being in the middle of month is a better fit. So I requested a ddc and the reps are telling me I must make half of my payment in order to get a due date change. I asked the rep why is it I need to make a partial payment when I just paid you guys the previous day and also my account is not even due at this time. They are unable to give me answer only to say this is company policy. I then was transferred to someone else because I need better understanding as to why this is needed. I was still unable to get an answer. The rep only told me to call in closer to my due date and request the ddc so I waited. I then contacted Ally XXXX/XXXX/2015 to request a ddc they then in turn told me again I have to now make a {$94.00} payment in order to get a ddc I asked for an explanation no rep could give me an answer other than its company policy. I requested supervisor at this time for better clarification on this. The manager still says its company policy, my question is why is it acceptable to collect on an account the is not even delinquent or past due. She could not give an answer only gave me options. Options were to pay XXXX and get due date change to XXXX, or wait until the day I can pay on XXXX I would not get a late fee due to the state but I may get a couple of calls. I do not want to the calls about a payment that can be paid on time and also if I were to pay XXXX and go past due I am still being charged a daily perdium on the loan due to the interest rate alone. The supervisor unfortunately still could not answer the question of why money is requested for an account that was not past due. Since I was getting no where with them I went ahead and went thru ddc process and paid {$100.00} to get it done. Today XXXX/XXXX/2015 Im still waiting for my paperwork to sign and send back my ddc has not been done I went ahead and paid my car payment for XXXX on XXXX/XXXX/2015 so I was charged for 3 days of extra interest which is very upsetting. This was a bad decision to have my car financed with such a money hungry company. I would like an explanation on why Im being charged for due date change and a payment is not due. I will be contacting a lawyer in regards to this to verify if this is even legal. This is a poor excuse for a company.
Product: Debt collection

Kingston Credit did not call or mail me any documents informing me that the owner XXXX of XXXX XXXX sent my account to collections. I was never contacted by XXXX stating a balance was due nor sent any correspondence by Kingston. I wasn't aware of this debt until viewing my credit report to day. This violates my right as a consumer of written notice of the debt, and my right to dispute this erroneous debt before it hits my credit. If they did make an attempt to contact me by mail, I no longer live in XXXX, Tx. I currently live in XXXX, Tx and for almost 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown inquiries on my credit report. I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all inquiries are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries immediately : 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 XXXXXXXX XX/XX/XXXX
Product: Debt collection

I recently began getting my wages garnished by XXXX XXXX XXXX who claimed that they had a jidgment against me for over XXXX. I was never served judgemnt papers or even a notification of the court filing or date. I also never was notified about the garnishment. The actual debt is not even on my credit report so Im not sure how they are collection money I do not owe. When I called the attorneys office they used they had an address in a different state to which I live.
Product: Credit card or prepaid card

Previously set up automatic payments for a credit card with PNC Bank, but recently received a delinquency notification on credit report. The automatic payments had not been going through the previous two months, which was the root cause of the delinquency. The bank was unable to provide any history or data regarding when I set up the automatic payments and whether I ended them.
Product: Credit card or prepaid card

I have a Paypal Credit Account. Paypal routinely offers 0 % Promotional Offers and Interest is deferred and not billed if the Principle is paid in full by the end of the promotion. 

Seems easy enough except that it is almost impossible to make a payment and insure that the payment is allocated to the Promotional Balance and not the standard Credit Line Balance. It appears that Paypal is encouraging its customers to default on the Promotion by making it near impossible to pay off and end up getting charged the Deferred Interest. Below is a recap of how difficult it was for me to make this Promotional Balance payment. 

I currently have 2 Promotional Balances coming to Term XX/XX/XXXX and XX/XX/XXXX of XXXX. On the PayPal Website I can easily see my promotions and when they are coming to End of Term. However there is no way to make a payment on the promotional balance. There are no instructions on how to make a payment to promotional balances. I read all of the FAQ 's and read nothing around making a Promotional Balance Pmt. 

Last week on XX/XX/XXXX i called Paypal 's customer service and stayed in the que for 20 min before being disconnected with the automated recording saying " they were experiencing high call volumes and to call back later ''. Today XX/XX/XXXX I called back, waited 10 mins on the que hold before being answered. The Customer Service Rep answered my question on how to " make a promotional pmt '' by saying just pay more than the minimum and it will go towards the first due Promotional Balance. I told her I disagreed with that approach because typically a pmt more than the minimum will just go towards the total balance. She asked me to hold while she talked with a Supervisor. After 10 min she got back on the phone and said you have to make a pmt with me and I file a ticket for my back office to allocate the pmt to the Promo Balance ( which takes 5 bus days to complete ). i made the pmt with her and hung up. 

My concern here is that this is predatory lending. Paypal gives you a Promotional Offer but makes it near impossible to pay off in full ; triggering the deferred interest at extremely high rates 26.24 %. If I had taken the Customer Service Rep 's first advice I would have been charged the deferred interest. Since I was lucky and pressed on the correct pmt issue I now have to wait 5 days for a back office team to post to my promo balance and " hope '' they do it correctly. if I had called 1 day before the Promo expired I am not sure if I would be able to pay in time since the back office needs 5 days to post. This was never explained to me. 

Thank you for looking into this, feel free to contact me. 

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

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction