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

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION BEING REPORTED:

XXXX
1. The following personal information is incorrect
Name: XXXX XXXX  2. The following personal information is incorrect
Also Known As: XXXX XXXX XXXX
3. The following personal information is incorrect
Also Known As: XXXX XXXX XXXX XXXX  
EXPERIAN:
1. The following personal information is incorrect
Name: XXXX XXXX
2. The following personal information is incorrect
Also Known As: XXXX XXXX XXXX
3. The following personal information is incorrect
Also Known As: XXXX XXXX XXXX XXXX XXXX
1. The following personal information is incorrect
Also Known As: XXXX
2. The following personal information is incorrect
Also Known As: XXXX
3. The following personal information is incorrect
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX
4. The following personal information is incorrect
Employers: XXXX XXXX XXXX
Product: Debt collection

My father died in XXXX. Just before he died, he was given a final radiology scan to view his XXXX ( I think, I have NO evidence of this ). The " XXXX XXXX XXXX  '' sent a bill after my dad 's insurance 's window for payment. Insurance needed 30 days. Dad died XX/XX/XXXX. The first bill was sent to me XX/XX/XXXX, but was not sent to his insurance. The bill was sent to the wrong address, and didn't get to me for several weeks. I worked with my dad 's insurance to have the bills paid because I was his representative. They eventually agreed to pay the bill. In the meantime, I assume that XXXX XXXX XXXX  sold the " debt '' to Alpine Credit , Inc., a debt collector. I worked with XXXX to have the debt paid, and was told it was, in fact, paid. I have a letter from XXXX stating this. The debt collector letters stopped coming to me. 

However, they have sense resumed sending debt collection letters to my dad 's partner. They married as a symbolic gesture just before he died. They put her name on the letters, as if it was her debt. She has zero connection to this case, and I think this is illegal harassment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Alpine Credit , Inc.XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX XXXX from XXXX to XXXX XXXX, Monday to Friday
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX  score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of Identity Theft due to vehicle larceny FTC # XXXX. 

Please be advised I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

I've provided ample evidence the negative information found in my file is incorrect due fraud. Each time I dispute these files are Re-aged with the XXXX reset to the current month. The worse part is the furnishers themselves constantly misspell my name, so how may one depend on a fair review if the details are incorrect from the companies entrusted to furnish. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts deleted immediately XXXX XXXXXXXX, Acct # XXXX XXXX XXXX XXXX XXXX, Acct # XXXX, ( duplicate account discovered XX/XX/XXXX ) XXXX provided a signature of an electric check mark as proof ) XXXX XXXX XXXX # XXXX Account Balance ( actual amount XX/XX/XXXX {$260.00} and closed paid in full {$530.00} XX/XX/XXXX
Product: Mortgage

Carrington Mortgage Services is ripping off consumers. I've had several mortgages over the years and have NEVER encountered one that charges fees for any type of payment, except if made by check ( who uses checks anymore ) or autopay. Any online payment or payment by phone or even bank draft has an added fee assessed. This is not fair or convenient. I typically pay added money against the principal. Now that servicing has transferred to Carrington, the only way to pay on added principal without paying a fee is by mailing a check. This practice works as a deterrent to payments. Their bogus, needless fee structure harms consumers while padding their own wallets. it should be unlawful for a mortgage servicer to assess payment fees that are not customary throughout the industry. This is especially significant because consumers do not choose the mortgage servicer assigned to them. Please stop stealing money for no added service.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls undeXXXX XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many fraudulent accounts on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have been a monthly member with Equifax for 8 years. when i log into my equifax account it will not allow me to see my report. i need my report score due to errors on report to include to see if they have been removed. this has been going on for 4 weeks. every time i call equifax technical support they think i need help logging in to my account. I CAN LOG INTO MY ACCOUNT. WHEN I LOG IN EQUIFAX WILL NOT ALLOW ME TO SEE MY ACCOUNT SUMMARY. i have filled out 2 service work orders in the last 3 weeks with XXXX results. plus i just bought a 3 score credit report for {$19.00} and i still can not see my credit summary. i need access to my report. this is going on 4 weeks.
Product: Debt collection

I informed Equifax that the, collection accounts that are in their report are not mine and would like them to be removed immediately
Product: Checking or savings account

On XX/XX/XXXX I was charged {$15.00} in fees. This was the result of overdrafting my checking account and money being automatically transferred from my savings account, both of which are in my PNC virtual wallet. I have had this occur numerous times before, and was never assessed a fee. And now, out of nowhere, I was charged {$15.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a second complaint Ive filed now. The company is refusing to handle the case properly. They claim that since Im claiming my account was hacked, that they are increasing measures to verify my identity. All I want them to do is close my account. Someone hacked my account and changed the email and password. I do not wish to re-register, especially after all of this chaos. Clearly they need to step it up security wise. I refuse to send sensitive and personal information via mail or fax just to close my account. I dont care how safe they claim it is. Why would a perp go this far to comprise an account anyway? I will continue to fight this until the account is closed without documentation being faxed or mailed. Here is the original complaint : On XX/XX/, I received an email from Experian stating that my email address for my online account had been changed. I never changed my email, so I emailed Experian as advised to do in the email change notification. The first response I got was asking me for more information in order to help me. I replied with the information requested. Then I eventually never heard anything back. I continued to email in attempt to resolve the issue. Apparently email is the only way to contact experian regarding hacking. They finally replied, and asked me to fax or mail a copy of my drivers license, social security card, and a utility bill to their consumer affairs department. Then they would be able to delete my account so that I could re-register. I wrote back several times and advised that I have been a victim of identify theft and was not comfortable faxing or mailing a copy of my social security card. I didnt want that type of info sitting on a fax machine in Texas with people I dont know. I also didnt want to risk the info getting compromised in the mail. I tried to reason with experian by explaining my hesitation to them. I also explained that it seemed ridiculous for me to have to send all that stuff, when I didnt need it to register, nor did the hacker need it to take control of my account. They still insisted on me sending these documents. I offered to meet them halfway by sending documentation via email with some info censored out ( like the first 6 digits of my social security number ) They wouldnt budge. I told them they had until Friday,XX/XX/XXXX to confirm the account had been closed or I would file a complaint. I have not received any confirmation, so here I am. I do not wish to re-register considering their lack of cyber security and the fact that they want me to send such critical documentation to a fax machine or mailing address, when my account has already been compromised. I just want the account closed and confirmation of the closure sent to the original email on the account.
Product: Credit reporting or other personal consumer reports

Experian commited a felony verifying felony fraud as accurate, per open dispute already in progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING FRAUDULENT ACCOUNTS WERE OPENED IN MY NAME : XXXX XXXXXXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX
Product: Debt collection

I received a collection notice from IC Systems from XXXX  XXXX. I had XXXX  XXXX in the past and canceled services with a XXXX  balance. I owe no monies to either of these companies.
Product: Debt collection

Theres a debt for {$350.00} and this debt is through a third-party named true or court. I am not responsible for this debt and I do not have no awareness of this debt. This is fraudulent. Its identity theft, and I want it removed immediately.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, 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 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to Fair Credit Reporting Act 15 USC 1681 section 602, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Experian and XXXX are consumer reporting agencies that should ensure my right to privacy as a consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Experian and XXXX do not have my consent to furnish this information and surely do not have my written consent. Any consent to Experian and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option.
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 15USC1681 section 602 states I have the right to privacy.15USC1681 section 604A section 2 ; it also states a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and Consumer Credit Plan as late for any purpose.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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: Checking or savings account

I received a statement in the mail from Bank of America. I have no knowledge of this account, nor did I ever open any account with this bank. This bank fraudulently opened an account without my knowledge, permission or any type of verification. How can this happen? They violated the Patriot Act by opening accounts in people 's names without verification, permission or knowledge. I want this bank looked into by whomever regulates banking institutions and reported for fraud. I immediately want this bank to close this fraudulent account and erase all my data. I better not have any fees, checks or anything written or dispersed in my name. Bank of America is solely and fully responsible for any transactions on this account. Furthermore I want a follow up letter with an apology for this happening in the first place and the letter also needs to state this account is closed and a zero balance. Absolutely ridiculous, shame on you Bank of America!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus changed the status of my XXXX XXXX XXXX Account from closed to collections. This is an error. This account is current and being paid as agreed. According to the XXXX XXXX XXXX XXXX, child support should only be reported on credit reports if the past due balance is over {$1000.00}. I am current on my payments therefore the account should be removed, if not placed in a current status.
Product: Debt collection

This company has called me so many times requesting payment. But, they had no information about what I was being billed for. Where the bill came from. Three people told me three different things. One man said you have to pay {$16000.00}. I asked for what service. He said he did not know. The next one was a man also saying YOU HAVE TO SEND THE MONEY NOW. I do not know what is for. Both of these men had very strong XXXX XXXX accents. The next was a woman saying YOU HAVE TO PAY now. I told her I didn't have to do anything. She had an XXXX  accent. it was clear all of these people are in other countries. Today I received a statement stating. As of XX/XX/year>, you owed {$3500.00} to XXXX XXXX XXXX account number XXXX. All of these people had this information. My insurance has paid {$3400.00}. I owe {$110.00}. my advice is to hire people who can speak XXXX. Teach them to give the proper information to the person they are speaking. It is against the law to call a person about any bill unless you have provided a paper statement. I'm sending the payment to pay this bill. The customer service is horrible. So sad they can not have people that speak ENGLISH. Im disgusted with them.
Product: Money transfer, virtual currency, or money service

I have had issues with cash app and then they put fake people on the phone that violate by asking person info. I had contacted them about a merchant that made a false advertisement on line and they refused to give me my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

This is serious. I made a dispute regarding a credit card that should expire XX/XX/2018. XXXX XXXX made a huge error & investigated the wrong card. They left the disputed debt on & removed my oldest card which is in good standing. This dropped my score by 100 points! I am trying to clean up my report not destroy it! Please please help!!!!!! 
I did a lot of disputes & if I accidentally did this one please cancel it! I'm so upset!!!! I'm crying!!!
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Experian for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Experian has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent communication to Lexis Nexis via certified mail requesting their method of verification regarding the bankruptcy that is listed on my credit report. I did not receive a response from Lexis Nexis. I sent a follow-up communication on XX/XX/2021, again requesting the method of verification with no response from Lexis-Nexis. My final communication was sent via email to Lexis Nexis on XXXX XXXX. I received an auto-reply back advising that my email was received. I have not received ANY communication back regarding any of the three requests for the method of verification used for the bankruptcy listed on my credit report. Due to a lack of investigation into this matter, and multiple requests for method of verification, I am requesting to have the information removed immediately from my credit report.
Product: Credit reporting or other personal consumer reports

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

I have new and updated information concerning TransUnion. TransUnion has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. TransUnion is in violation of my rights as a federally protected consumer.
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Vehicle loan or lease

I recently requested a payment extension on my vehicle on XX/XX/2023. The representative told me that I was able to pay my bill on XX/XX/XXXX and my vehicle would not be repossessed due to a payment extension. On XX/XX/2023 our car was repossessed. We called American Credit Acceptance and asked why our car was repossessed and they stated that they called the vendor and they said they had no documentation of our vehicle and they had not sent a notice for them to pick up our car. They ended up sending a claim to management on an illegal repossession. But no one was able to help us. No one gave us answers. We are without a car with no communication.