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

My boyfriend acquired an account for cable services with XXXX XXXX back in XXXX of XXXX. In XXXX of XXXX I became an authorized user on my his account. I was told by a XXXX XXXX representative that by becoming an authorized user that I would be able to call in and make changes to his account and make payments. At no point of becoming an authorized user on his account did I provide my social security number. My boyfriend terminated his account with XXXX XXXX in XXXX XXXX. On XXXX XXXX XXXX I received an email from XXXX XXXX informing me that XXXX XXXX has put this outstanding balance onto my credit report. It shows as being responsible for {$600.00} with XXXX XXXX on both my XXXX and Equifax reports. I immediately called XXXX XXXX for an explanation as to how I, solely an authorized user could have a balance on my credit report when I was not the account holder and had NOT provided my social security number to them. The representative told me that we, we being my boyfriend and I collectively share debt. I told her that she was incorrect and that I wanted to speak to a manager or to someone to dispute these actions. She then told me that I was absolutely correct and that I do n't have an account with them ( XXXX XXXX ) and that I was only an authorized user and should n't have been charged. She then pointed me to their website to begin the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with Fair credit reporting act XXXX has XXXXiolated 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 also states a consumer reporting agency can not furnish a account without written instructions
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the late payment, charge-off, and collection accounts. No changes were made. Below are the inaccurate items from my credit report : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I received a notice from Truist 's attorneys XXXXXXXX XXXX XXXXXXXX on XX/XX/2023 requesting an amount to reinstate the loan and that after XX/XX/2023 I would require a new request letter. Subsequently a notification was sent to my tenant advising that Truist had filed a foreclosure action against me. I have not received a foreclosure complaint as of XX/XX/XXXX. I have also received multiple advertisement letters from foreclosure attorneys regarding the complaint.
Product: Mortgage

I applied for a refinance in XX/XX/XXXX. I was informed there would be a delay and agreed to a closing date of XX/XX/XXXX. 

I complied with all requests for documents. My last communication to XXXX ( loan processor ) was on XX/XX/XXXX. She did not respond. 

On XX/XX/XXXX I called ( after receiving the out of office message on XXXX   voice mail ) PNC Mortgage and inquired about a form. I received an email today XX/XX/XXXX informing me my loan would not close on XX/XX/XXXX. 

At no time was I informed there would be a delay and why am I just being notified on XX/XX/XXXX that my refinance would not happen. 

Furthermore, PNC wont provide the name of the person in which to escalate my complaint. They are informing me to send my complaint to a generic address. 

This delay has cost me time, money and leave as I have contractors scheduled to do work when Im off. I dont know if I can reschedule the leave. 

In addition, PNC should be financially responsible for this delay. I am paying for services rendered and they were not rendered timely.
Product: Credit reporting or other personal consumer reports

My Ex girlfriend used my name to apply for stuff and accounts. I need these accounts taken off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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

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., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DEPT OF ED / XXXX , DEPT OF ED XXXX XXXX, DEPT OF ED / XXXX, DEPT OF ED XXXX XXXX, DEPT OF ED / XXXX , DEPT OF ED / XXXX, DEPT OF ED / XXXX XXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXr XXXX keeps adding balances and subtracting balances from my accounts because the amounts being reported are incorrect. I have requested written documentation verifying my signature on loan documents to no avail. This is adversely affecting my credit score. XXXX has REMOVED the information from my accounts because of Great Lakes inability to provide proper documenatation, however, the accounts are still showing inaccurate on XXXX and 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 information, accounts or 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 accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report fraudulent accounts on my credit report that don't belong to me because I am a victim of identity theft. They refuse to accept my disputes. This is against the FCRA. These accounts need to be removed. I have provided a police report.
Product: Debt collection

An unlicensed collection agency is attempting to conduct collection services in Illinois where I live. The agency 's contact information is I.C. System Inc. XXXX XXXX XXXX XXXX XXXX, MN XXXX. This agency has placed a collection account on my consumer reports causing a negative impact.
Product: Credit card or prepaid card

I was charged a payment protection fee by XXXX for the past 8 years ( XX/XX/XXXX ) totalling over {$1700.00}. This is a feature we never signed up for, needed, or even wanted. We have had auto payment on this account and not used it for 3 years, but due to the fees the balance has gone up considerably. I contacted discover XXXX XX/XX/XXXX, to find out what the fee was for and cancelled it. I asked to be mailed any documentation showing we signed up for this, but was told they don't have anything. They did cancel the service, but we still have to pay the old fees. After a quick XXXX search I found several people discussing the same problem and settlement in XX/XX/XXXX for this very same issue.
Product: Money transfer, virtual currency, or money service

My XXXX XXXX XXXX which was linked to CashApp and was charged 4 times on XX/XX/year> for fraudulent pending transactions. CashApp had no transaction history of them. 

My online banking with XXXX had the transactions listed. 
XXXX- {$100.00}, XXXX {$90.00} and XXXX {$5.00}. All posted on XX/XX/year>. XXXX cancelled my XXXX XXXX card immediately and sent a replacement. I cancelled and permanently deleted my CashApp account. In addition, XXXX credited my account for the {$390.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Account Name : XXXX XXXX - Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX - Account # XXXX I have reviewed my Transunion Credit Report and noticed these are incomplete and NOT ACCURATE. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy. According to 15 USC 1681-5, ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I am requesting that the the above accounts be deleted from my report as they are not accurate. The date opened, account balance, date of last payment, date last active are all inaccurate. I have requested these be verification of these accounts and have not received within the time frame. I demand that these accounts be deleted.
Product: Credit reporting or other personal consumer reports

The Equifax credit reporting agency admitted to a data breach that exposed the personal information of XXXX XXXX people in XXXX of XXXX. Although they provided free credit monitoring services as a result of the breach, the user accounts on my.equifax.com are missing basic security features that prevent misuse of my credit information. I recently logged on to their website to manage a credit freeze, but I was not prompted for any additional verification of my identity the first time I logged in to my account from a new computer. After conducting my business, I searched the website for settings that might allow me to enable 2-factor/multi-factor authentication, but did not find any such features available on the site. I conducted several queries using multiple search engines to see if there was a way to better secure my account, but all of the results for individuals in the US indicated there was no such way to secure an account. 

However, it does appear that Equifax users in XXXX have access to some degree of 2-factor protection through XXXX. But for the people in the US, a malicious person can log into my account using information that has already been stolen from Equifax 's systems. Equifax appears to have a method of verification for password resets that involves mailing PINs, but does not employ additional verification for logging in on a new device or in a new location. Thankfully, I do not reuse my passwords on multiple sites, but this could be a serious problem for an individual who had their password leaked in a breach of a different organization. Once a hacker logs in with stolen information, there's nothing stopping them from removing credit freezes or other things. 

For an organization that aggregates a lifetime of credit history that I can not reasonably opt out of, it is bewildering and unacceptable that Equifax in XXXX ( who has admitted to a data breach in the past ) does not offer the ability to implement basic security protections like time-based one-time passwords in an authenticator app or even a code delivered through email.
Product: Checking or savings account

I. In XX/XX/XXXX, through her bank, Capital One, and financial services firm, XXXX XXXX, my mother purchased an annuity for a term of 3 years, to end in XX/XX/XXXX. 



II. As per the contract, she was supposed to get notice of expiration in XX/XX/XXXX, however, no such notice was received. Not from Capital One, Not from XXXX XXXX, and Not from Principal. These three entities colluded to act in a deceptive manner and are pointing fingers at one another. Capital One saying XXXX is responsible, and XXXX saying Principal is responsible. Principal continues to hold my mother 's money XXXX and refuses to return the full amount due. 



III. Principal renewed the term for another 3 years without authorization, and are holding her funds XXXX, and will not surrender them without assessing substantial penalties. 



IV. We've contacted XXXX XXXX, who passed us on to Principal. Principal claims to have sent a letter, however that was not received by my mother. They have also not provided any proof of the letter being sent. Just a digital copy of a potentially backdated letter.

V. Multiple calls to XXXX XXXX, Virginia Bureau of Insurance Commissioner have gone unreturned. 

VI. We demand the full amount of the account to be returned, and an interest penalty of 18 % per year for the additional time these entities continue to hold our funds XXXX.
Product: Money transfer, virtual currency, or money service

i had money i couldn't transfer into my bank account when i tried to speak with an agent there wasn't an option to speak with someone
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter in XX/XX/2020 to this creditor asking for verification. I never received a response back from this creditor that is reporting on my credit report. I first had to due the research on my own to find out who this creditor is because on my Equifax Credit Report it doesnt show the creditor name or address information whos is a violation according to the FCRA. I also sent a letter to Equifax on XX/XX/2020 stating the inaccuracies with the unknown creditor listed on my credit report and I have yet to get a response. Please see attachment of the letter I sent to the creditor and the credit report showing the unknown information for this creditor reporting to my credit file. I have no knowledge of this account as it should not be reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a letter and FTC report.
Product: Checking or savings account

On XX/XX/2016 a checking account was fraudulently opened by BANK OF AMERICA
Product: Consumer Loan

Prestige Finance continuously calls and texts my cell phone during work hours. They also have charged a ridiculous amount of fees to my delinquent account and this month was the XXXX month I have received a statement from them. So I have no idea of how these fees break down. They also record my calls and do not advise me of so when I call or when they call me. I also tried numerous times to complete a voluntary repossession and advised that the car was not operable and was with a third party mechanic in which I could not afford to pay for due to extensive rental car bills to get back and forth to work. Yet and still they constantly requested money for payments and stated that there were over a XXXX dollars in fees. But have never sent out monthly detailed statements to break down what was being paid and what was owed.
Product: Debt collection

Genesis keeps harassing me and my family regarding a debt from XXXX XXXX, despite my having moved out over XXXX  years ago. During the onset of COVID-19, the original management company sold XXXX to XXXX, XXXX with my departure from the apartment in XX/XX/XXXX. I notified the management 60 days in advance via email and returned the keys to the leasing office on my chosen move-out date. Additionally, I paid XX/XX/XXXX 's rent in full and hired a cleaning service to ensure the apartment was left in good condition. Surprisingly, my entire security deposit was not refunded or applied towards move-out fees ; it simply vanished. Frustrated, I gave up trying to resolve it. 

Now, XXXX years later, Genesis claims I owe money for the apartment and has sent me to debt collection. This is fraudulent, and I refuse to pay for something I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked these credit bureaus numerous times to removed fraudulent inquiries on my credit report and they will not help me. I have reported them all and the agencies will not properly removed them according to the FCRA GUIDELINES. 

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 XXXX XXXX These inquiries are not authorized and are not verified!! 

As well as the debt collection from XXXX XXXX ( XXXX ) in which I have documents from stating I am NOT responsible for!! I will attach documents!
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint regarding Experian 's manner of handling, specifically, their non-functioning website and phone system. I was attempting to lift a fraud alert that was placed by all three credit reporting companies. It was easy to lift the alert with XXXX  and with XXXX. They are to be commended for their customer service. However, it was near near impossible to resolve the issue with Experian. There is no logic or reason. Their internet website is a never-ending loop. The option to send a complaint form over the internet and to load supporting documentation is a test in insanity. It took 5 attempts to type in the initial information to get to step 2 to load the documents. After loading the PDF documents successfully, a message was received that documents could not be loaded properly, and sent me back to step 1, to the original blank form to type in initial information again. Their contact phone never gives you a chance to talk to a live person, just a looping never-ending voice mail directory. After battling with all of this technology and persistently choosing all of the applicable options, Experian directs you to send written correspondence by mail. A complete waste of time.
Product: Checking or savings account

XXXX XXXX XXXX XXXX was not authorized to charge my card {$300.00} on XX/XX/2023 or any other date.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XX/XX/year> : XXXX  XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX XXXX XXXX where I pay the vehicle valued {$15000.00} since XXXX to present, a total of 104 payments of {$220.00} bi- weekly my last scheduled payment with XXXX XXXX XXXX will be XXXX XXXX XXXX 
Amount owed XXXX is {$3500.00} approximately. 

XX/XX/2022 I called trans union to make a dispute on a inaccurate balanced reported on my credit by XXXX XXXX XXXX, Trans union made a request to clarify this dispute and no answer from XXXX XXXX XXXX was provided on the time frame of XXXX within request, the credit bureau cleared the account history from my credit report file due to such events it decreased my score by XXXX points approximately, I reached out to XXXX XXXX XXXX multiple times to incorrect credit balance reporting to solve this manner by reporting the correct amount of the loan debt owed, for the past XXXX I reached the local XXXX XXXX, each of the occasions I reached out the representative stated to me that XXXX was going to get reach out in a 5-7 business days by XXXX to follow up, no calls were received from the time stated time frame as stated I reached back to XXXX XXXX I was informed that she send the letter to the bureau representative I called that same day at XXXX I was notified that no letter was sent from XXXX XXXX XXXX to reinsert the loan account balance I reached XXXX XXXX to follow up and the agent told me that the manager send the report to the wrong account that they were going to try to solve this problem some time by the next following week. All I want is for XXXXXXXX XXXX XXXX  reports the correct debt information to the credit bureau by submitting a reinsertion letter wish the have failed to do so for the past 47 days.
Product: Debt collection

Company contacted my job, never received any communication with this company but they contacted my employer