23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX  XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Debt collection

I was unaware of a debt I had with my old apartment complex. I was taken to collection back in XXXX, I was never given a written notice nor was I ever contacted by phone. I have noticed the collection on my report and immediately called the company to see why no attempt was made and the debt collector was very rude over the phone telling me that because I said I was unaware and I was not going to pay something I did not know was on my credit since there were no attempts to collect, she rudely told me well you are being recorded and I said I am aware. I called back trying to settle for less than the amount because to my understanding I did not owe that much, I was told they can only settle for {$940.00} on a {$1200.00} debt which again I'm not sure why I'm getting charged this much. I was told they would do that and no less and if I wanted it to be less I would have to requested by a letter. I wrote a letter and brought it to their office and the receptionist was very rude while receiving it stating that because I have desputed I have to wait 30 days per company policy to hear back from the company about my dispute. This is the response that I'm getting even though I'm saying I have the money to settle. I called today ( XX/XX/2020 ) and the receptionist rudely told me I have to wait 30 days for their decision saying I brung the letter on the XXXX of XXXX of the current year when I brung it on the XXXX, she stated " well you brung it only three days ago so you have to give us 30 days ''. This people are highly unprofessional and their collection ethics are not right. Again, I contacted the company and there has been no attempt to collect in any form even though they have my phone number and current address, I am being told about this debt without any kind of written explanation to what I'm getting charged for or anything. I am simply requesting to settle for half of the amount and they are absolutely just making it impossible for me to settle this with them. This company is very disrespectful to their clients and should not be in business. Just by reading the XXXX reviews you can tell everyone is experiencing the same issues because they just don't care about Fair Debt collecting and they want to make you think that you have no other options but to pay them and not dispute. One of the collectors told me " well that's going to stay on your credit unless you pay it, she said if " you don't want to pay it is fine is your credit ''. That's not a way of talking to someone. And today XX/XX/2020 their receptionist told me because my letter states they have 15 days to give me an answer and they take 30 she said " you can withdraw your offer, that's fine ''. These people don't care about the consumer and they treat everyone like they are nothing. Someone needs to do something about this company. 
Below I will be attaching some XXXX  reviews of other people who also has dealt with the same issues as me as well as a photo of my written letter.
Product: Mortgage

As requested per the Freedom Mortgage website on XX/XX/2020, I had to fill out a loss mitigation form and a write letter in order to be consider for the mortgage relief during these unforeseen circumstances of the Covid-19 pandemic. I have submitted all the information that they have asked of me by email, I have also tried calling them numerous times but to no avail. I have not gotten an answer from a live agent only a recording directing me to go to there company website. I have received a letter from them today ( XX/XX/2020 ) and appears to me that they are trying to foreclose on my home. I have never miss a mortgage payment with this company I was only seeking assistance because of the unsurety of this unforeseen pandemic.
Product: Debt collection

I am writing to formally address a matter concerning a collections account reported by LVNV Funding/Resurgent Capital Services ( hereinafter referred to as " RCS '' ) appearing on my credit report with a purported balance of {$240.00}. I have undertaken due diligence in disputing this debt with the three major credit reporting agenciesXXXX, XXXX, and XXXX the following dates : XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; and XX/XX/year>. 
Despite these efforts, RCS has persistently failed to provide adequate verification of the debt in question. In a further attempt to resolve this matter amicably, I submitted a written offer to settle the alleged debt with LVNV Funding, notwithstanding the fact that I do not acknowledge ownership of this debt. The presence of this erroneous account on my credit report has been ongoing for several years, causing undue harm to my creditworthiness. 
Furthermore, I have identified numerous discrepancies across the reports from the three credit bureaus, totaling 32 distinct errors. These errors pertain to inaccuracies in reporting dates, amounts allegedly owed, the validity of the debt, and the status of the disputes I have initiated. The discrepancies and lack of proper debt validation by RCS necessitate immediate corrective action to prevent further damage to my credit profile. 
I hereby request immediate rectification of this matter and the removal of the erroneous collections account from my credit reports. Should this issue not be resolved promptly, I will consider all available legal remedies to protect my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws.
Product: Debt collection

When I answered the phone call I thought a medical company was calling me. She never stated that she was attempting to collect a debt until after she asked me my current address. And of course I gave my current address believing it to be in regards to a recent medical test. The company that called was Fairway Capital Recovery. 
After asking if it was XXXX XXXX calling me, she then stated the whole " this is an attempt to collect debt '' after asking my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX. I have always made my payments on time. For some reason, I realized that there were XXXX XXXX late payments on my credit report for the month of XXXX, XX/XX/XXXX. I have read enough to understand my rights. The Transunion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of XXXX XXXX XXXX. Id like this matter resolved ASAP as it is impacting my XXXX XXXX XXXX. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00}
Product: Payday loan, title loan, or personal loan

First, I will start off by saying that I gave Mariner Finance 1 star only b/c the staff was polite BUT I have had the most horrible experience with them. In XX/XX/2021, Mariner Finanace took 2 payments out of my account that I did not authorize which caused an overdraft in my bank account. My account with them was falsely flagged as late. By the time they looked into it a month had gone by and they asked if I wanted the payment back but by then it was no point since my next payment was coming due and the damage had already been done. Never got reimbursement for the overdraft they caused due to their negligence. You also can not make additional payments online or via the app you have to call and potentially have the experience I had with them taking more than they are suppose to. I applied for a loan on XX/XX/2021 and sent everything they needed for it. Mariner Finance took so long to process my application I went on vacation from work for a week came back to work and it still wasn't processed. By the time someone got back to me, I had to resend every document I had already sent twice. Finally closed on the loan this past Tuesday. It's Friday and I never recieved the funds on the loan. The end of XXXX I called Mariner finance because I have not been able to make payments and the only options they offered me invilved further harming my credit score. It's not worth the high interest rate and fees they charge people the stress and aggravation. Their politeness is not enough to compensate for the experience I had with them nor the service.
Product: Debt collection

Called a distant relative of mine trying to get personal information about me. The company has my phone number, social security number, address, etc. Calling people that you think are related to me and trying to find out where I work is not the way to go.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I was about to make my payment online but realized that XXXX had re-amortized my loan for my final payment to be {$1300.00}. My monthly payment has always been {$620.00}. I have paid my loan on-time every month through the life of this loan. I called on XX/XX/XXXX ( day XXXX ), to speak with a representative and asked the representative if I can make my regular payment of {$620.00}. Upon speaking with the representative I asked her vehemently, would this affect my credit report if I make my monthly payment {$620.00}, of which she advised me, that it is fine to make the payment of {$620.00}. The representative did advise that since I called on the exact XXXX day, that it does run a risk of late reporting, in which I stated, I have paid this loan on the XXXX day, before end of day and this does should not report late. I asked the representative, will this payment suffice, since XXXX re -amortized the loan. She advised yes, you are fine to make the payment of {$620.00}. The representative NEVER advised me that if I paid my regular monthly payment, that it would send my account into a delinquent status. Had she advised me to just make the payment for the re-amortized amount, it NEVER wouldve reported late. This company changed my payment amount, Now my account is being shown XXXX  days ( past due ) which is incorrect, ever since I made my monthly payment on XX/XX/XXXX of {$620.00}. The re amortization of this loan, without my consent or knowledge, is whats sending this account to reflect, these many days past due. I made my payment on the XXXX day of this loan previously and it has NEVER reported late. This account should be reflecting XXXX days past due NOT XXXX. The phone call which I have been asking very rude and stoic representatives to listen to will show the incompetence, in the account managers behalf. They are neglecting to accept responsibility for their own mistake. The representative did advise, that since Im calling on XXXX day to make the payment, that she can not guarantee it wont be reported as late but, she NEVER advised that the payment in full was due, and that it would be perfectly fine for me to make my regular monthly payments. My account shoudld NOT be late. I spoke with XXXX on XX/XX/XXXX and she advised me that her FINAL resolution, is to not remove this late payment, upon listening to her agents phone call. I have made ON-TIME payments through the whole life of this loan, why would I be reported late on my last payment after making my regular monthly payment of {$620.00}. Their system is not resetting the days, to correctly reflect the correct days past due. Again my REGULAR monthly payment was made. The representative on XX/XX/XXXX, DID NOT ADVISE THAT making the payment of {$620.00}, will send my account, this many days past due. No where on that call.
Product: Credit reporting or other personal consumer reports

I originally requested a soft pull account review inquiry I was not aware of any Hard Pull involved or authorized
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/23 ). Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Debt collection

I buy a phone for {$900.00} from XXXX XXXX  XXXX XXXX I had paid it down to {$400.00} this phone came out in XX/XX/2014 I buy it in. 
XX/XX/2014 they are asking me to pay {$1000.00} I would like this off my credit report
Product: Payday loan, title loan, or personal loan

My account with Advance Financial was fraudulently breached on XX/XX/2018. The perpetrator hacked my account and began initiating payments from my bank account to free up balance on my flex account to then illegally and fraudulently initiate a payout of the balance. These payments resulted in several hundreds of dollars in overdraft fees in my bank account. I immediately reported the unathorized use of my bank account to my bank and the fraudulent use of my Advance Financial account directly to Advance Financial. I did not receive any responses other than automated email acknowledgments of my communication until XX/XX/2018 when my account was then fraudulently accessed TWENTY EIGHT times between XXXX and XXXX. After FIFTY NINE emails with Advance Financial and several phone calls I spoke with a XXXX and XXXX, who told me that he did not believe anyone had hacked into my account. After sending screenshots of the fraudulent charges and the 28 separate emails and the several emails of me pleading for someone to please respond and help, XXXX finally locked my account. At that time XXXX acknowledged the fraudulent use and initiated a refund of the fraudulent charges deducted from my bank account. At this point, there remains a balance due of {$3300.00}, which is a result of the fraudulent use of my account. This balance due has now been sent to collections with XXXX XXXX XXXX. I have made XXXX XXXX XXXX aware that the debt is NOT VALID and is a result of Fraud. I have also made Advance Financial aware to which the reply was your debt has been transferred to collection. THIS DEBT IS NOT VALID and is a result of fraudulent use of my identity yet I can not get resolution from Advance Financial.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A personal loan account opened at XXXXXXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an Loan opened at at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an loan Opened at XXXX on XX/XX/XXXX Account number ( XXXX ). Inquires from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX inquiry XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  inquiry XXXX XXXX, XXXXXXXX XXXX XXXX inquiry XXXX XXXX, XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry XXXX. XXXX, XXXXXXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  inquiry XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I requested inaccurate information removed from my credit reports from all three credit bureaus. XXXX  responded in 4 days, Equifax in 6 days and XXXX in 12 days to my amazement. 
I then sent a second letter in mid XXXX requesting all three agencies to reinvestigate my dispute and to send me detail account of how the investigation was conducted and how the account and account information was validated. My concern was again dismissed as the account is still reporting on my credit reports.
Product: Debt collection

I am writing to dispute a fraudulent collection account that is appearing on my credit report. The account in question is completely inaccurate and incorrect. 

I have never had any dealings with that company. Also tacking on a {$530.00} fee to a debt that is allegedly {$5.00} is false and misleading and a violation of my consumer rights. 

I demanding that you immediately remove this fraudulent account from my consumer reports. If this account is not remove immediately upon receipt of this complaint, I will be filing suit for willful non-compliance & violations of the FDCPA. 

I've attached the police report.
Product: Prepaid card

On or about XX/XX/year>, I reached out to the company behind my prepaid debit card, Fold , Inc. to request the remaining balance of my debit XXXX returned to me via check. They refused to, citing that, with exception to some alternative methods which did not work for me, they could not return my balance to me. I sent them a screenshot from their FAQ that indicated that there was an option to close my account and have a check sent to me for the remaining balance. Upon receiving this screenshot, they escalated to another team in their company who told me, rather than address my concern, they removed that wording from the FAQ on their website. Unfortunately, I did not save this email exchange or take a screenshot of the FAQ. However, on XX/XX/year>, I opened another ticket to re-attempt closing my account and included screenshots from their Terms and Conditions and Cardholder Agreement pages to support my claim. They have yet to respond to my request and are unable to be contacted via telephone. I have included these screenshots here.
Product: Checking or savings account

XX/XX/2022 two fraudulent XXXX  XXXX  charges {$21.00} and {$21.00} on my cash app account. I am currently waiting for not pending status to get the charges reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed public records listed XXXX and XXXX and XXXX with TransUnion and in response TransUnion verified the items as accurate stating that they have verified the information. The original creditor in this case would be the US Bankruptcy courts. I contacted the court, and their response is enclosed. It is clear they did not furnish to TransUnion or any credit bureau for that matter ; therefore, their original response verifying the item with the court was either an error or a lie. Purchasing information from third parties does not absolve TransUnion of accountability. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. I also submit my proper identification as authentication of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$0.00}
Product: Student loan

Navient is reporting that my student loans have been charged off and I owe a balance of over {$40000.00}. Meanwhile, the accounts are over XXXX years old and should be removed from my credit report. I filed chapter XXXX bankruptcy in 2010. I have attached the accounts that Navient refuses to update in their system and remove from my credit report. Some accounts are over 10 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was my monitoring service until I got frustrated with them for having the address information. They showed me living at an address I hadnt lived at in 4 years. Because of that I lost ability to secure a product that used Equifax. 

So, I dropped them. Once I dropped them and went to XXXX  -- Equifax dropped my credit from XXXX to XXXX. 

Changes to my credit has been positive noted by XXXX and XXXX. 

I paid of three accounts in full and reduce the balances on my accounts average 20-25 %. 

When I was with Equifax my credit scores were higher even with my credit cards much higher/maxed out and had 3 additional accounts with high balances. 

I do think that credit reporting agencies are unethical. In this case, note the significant decline in credit scores despite my credit improvement.