23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Barclays XXXX XXXX XXXX card - card was opened by someone other than myself. Purchases were made. Called numerous times to dispute. On hold for over an hour. Charges were considered fraudulent. Asked to have account closed as it was not open by me. Never received in writing that the account was closed which I asked for numerous times. Recently, just got a letter saying I enrolled in paperless billing. This account was supposed to be closed as of XXXX ( do not have exact date that I called. Also called in XXXX twice and account was never closed.
Product: Debt collection

This has to do with XXXX collection agencies. XXXX, Convergent, and XXXX. They are all telling me that I have not paid debt in full. I do have Bank proof that I have made all of my payments. On XXXX I called XXXX several times to resolve this issue, and all they could do is threaten me with my Credit Report. Every time I tried to explain they again threaten me with Credit Report. I asked for XXXX 's phone number so I could talk with them and they refused to give the number. Told me to XXXX it. I have called XXXX and continualy and they tell me that it has been turned into collections and I have to deal with collection agency. One other thing I was told, was NOT to keep calling them. So I told them the same thing stop calling me all the time. I also asked to speak with a supervisor and was also refused this opportunity to speak with someone in charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. 
I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft.

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, at approximately XXXX CST, I called Equifax and spoke to XXXX ( employee ID : XXXX ). I was informed that in order for Equifax to update my new permanent address, I needed to supply a cover letter with the request, a copy of my State issued ID, and a copy of my social security card. I refused to send this type of sensitive information over mail because of identity theft concerns or that information getting lost in the mail. I asked Equifax if there was another way to verify and why I could not just update my online account with the new address like I did with XXXX and XXXX. I did not receive a good response and instead the agent repeated the only way I could update my address. Equifax has not earned my trust as a consumer with my sensitive data and I am shocked there are not less burdensome and archaic ways for a consumer to execute this request.
Product: Debt collection

Company ZIONS DEBT HOLDINGS LLC is attempting to collect a debt in my name for XXXX XXXX XXXX XXXX XXXX. I am in. O way familiar with this debt nor is this debt mine. Furthermore Zions IS NOT the original creditor. I do not know anything about ZIONS I have never authorized any business with XXXX Nor Zions debt holdings. I have opened a police report and this This account needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - {$1500.00} ( Credit Card ) XXXX  XXXX - {$810.00} ( Credit Card ) XXXX XXXX {$150.00} XXXX Credit Card XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Auto Loan ) None of these are my transactions, yet they are on my credit report.
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 XXXX  GA XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 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 XXXX 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: Debt collection

An account that was previously removed from my credit file in XX/XX/XXXX was reinserted in XX/XX/XXXX by the company Convergent Outsourcing Inc . The company failed to notify me of the reinsertion within five ( 5 ) days which directly violates my rights under the Fair Credit Reporting Act. I sent a certified letter to the company detailing this incident on XX/XX/XXXX and demanded the collection account be removed due to my rights being directly violated. The mailing address for the company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, and their phone number is XXXX XXXX XXXX XXXX. I would also like the license number of this company and verification that they are legally licensed to collect debt in my state of residence. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I made a request for Credit from XXXX XXXX. I was denied and then received a notice that I could view my denial letter online. So following the instructions to view this the Words were the following " Based on a report from 3 Local Agencies it shows I am deceased. I assure you I am not deceased. I have attached the denial Letter stating I was deceased as well as I am XXXX XXXXXXXX since XX/XX/XXXX.
Product: Credit reporting

There is NO way to contact the XXXX @ Experian to point out the error of their ways bytelephone! They have refused to Freeze my credit! I sent all three credit reporting agencies ( Certified/Return Receipt Requested ) all the documentation they requested for Identification AND copies of the Incident Report that the local police agency kindly provided when I had my driver 's license Lost / Misplaced / Stolen. 
Experian want me to resubmit ALL the exact same XXXX they 've already signed forAGAIN [ at My expense ]. 
XXXX and XXXX have already FROZEN my accounts and provided me with aFREE PIN number to UNFREEZE and REFREEZE my reports in perpetuity. 
FREE, FREE, FREE! 
Which is the whole point of going through MAILING the info to the Idiots. 
PAYING them to mismanage the " Credit Reporting '' Industry is Just Like XXXX ADDICTS!!!
Product: Credit reporting or other personal consumer reports

These debt keep reappearing on my credit. I have informed both the credit agencies and creditor that this is not my debt. Experian is reporting an very old debt that is not mine from XXXX XXXX XXXX Bal. {$31000.00} and another XXXX XXXX account on Experian - Bal - XXXX Please help me get this matter resolved once and for all. 

I also see incorrect address information : XXXX XXXX XXXX XXXX XXXX XXXX reporting that does not have a street number attached to it on Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Credit Reporting company below was contacted : TransUnion Consumer Relations, XXXX. XXXX  XXXX, XXXX, PA XXXX, ( XXXX ) XXXX The 1st letter was sent to TransUnion company informing them that the items on my credit report are in violation of the " Fair Credit Reporting Act - Section 609. '' The FCRA also state that items that " Can not Be Verified '' must be deleted. Verification includes an original signed contract with my signature on it in which they did not provide. Also, no XXXX XXXX or Automated System can not be used for verification as in the case of ( e.g XXXX vs TransUnion ). I also, sent a 2nd letter asking in more detail about the investigation as so stated in the " Fair Credit Report Act '' Section 611 ( a ) ( 6 ) ( B ) ( iii ) but still got an automated response!

Please see the attach documents for more detail information.
Product: Debt collection

Merchants and XXXX XXXX XXXX, Inc.just doesn't seem to get it. They continue to damage my credit report. This is a bill that I do not owe, it was a bill that was generated by an auto accident that I was not a fault for. I have a lawyer on the case and this company has been sent letters of representation. These bills dated for XX/XX/2019 are not my bills to pay and I wont be paying for something that is not my obligation to due so. 

This company claims that they are great company but they are crooked because they do not care about any of their clients, this company has damaged my credit report and for what for a bill that will be settled when the lawsuit gets settled out. I would think this company could be more reasonable about this situation, but apparently they are aggressively attacking me on an everyday basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax & XXXX credit reporting incorrect info. 
Claiming multiple Bank loans closed in Bankruptcy. 
Loans not closed and not in Bankruptcy. 
Multiple requests to remedy .... still not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I have consistently maintained on-time payments, so I find it XXXX  to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

im writing to you regarding discrepancies i have found on my credit report. 
XXXX XXXX XXXX  # XXXX XXXX, transunion, XXXX is account as opened. Obviously a account thats been sent to collection should not be listed as an " open account. '' I do not recall having this account or being associated with this company ever i am asking this agency to provide the monthly payments, credit limit, terms, date of first delinquency and date closed as they are missing from the report. 

You were this letter is formal notice that you have failed to respond to my dispute letter in case you are unaware, in accordance with the FAIR COLLECTION PRATICES ACT 15 USC 1692g '' Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " delete '' this item immediatley
Product: Credit reporting or other personal consumer reports

These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents, so I may review to see if this is actually an account that belongs to me. 
XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$860.00} Equifax XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$660.00} XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$400.00}
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 my husband and I were scammed we tried to apply for XXXX loan. They were impersanting someone from XXXX XXXX. They didn't give me the loan right away they told me to go buy gift cards from XXXX XXXX  They didn't give me the loan right away they said you need to approve your credit score. two gift cards one for XXXX and XXXX dollars. My bank is wells fargo and we have fought so many times to get my money back. They think I authorized that purchase which they phished me to buy gift cards to get money for me to get this loan.
Product: Mortgage

We ( My Sister & I : XXXX XXXX-On Deed/Not Loan ) are doing a follow-up as an CFPB associate suggested, and are rendering an amended addendum, based on the neglect and oversight on the previous complaint and comprehensive package, that was sent to your organization, that was either intentionally omitted or ignored via Selene Finance 's response. 
Included in this package is the most recent modification offer that was sent to us ( Pages 1-3 ). 
We accepted the offer and replied within 7 business days ( Pages 4,5 ). 
NOTE : Because of the fact that Selene Finance did not acknowledge that they damaged my sisters credit, nor did they make any mention of repairing the damage until we filed a complaint to your organization ( CFPB ) . I rendered a counter offer for them to consider, due to my being perturbed, and having a feeling of hopelessness, because of the affect it had on my sister 's health ; and the length of time the Derogatory Reporting being in existence, at least 9 months before they ( Selene Finance ) corrected the problem ( See Pages 6,7 ) Derogatory Report ( Pages 8,9 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated yet how is that possible if the open date is inaccurate, the last active is inaccurate, and date last reported is not accurate. This grounds for removal as they also violated my rights under 15 USC 1681 Section 602 a : States I have the right to privacy. 

15 USC 1681 Section 604 a : Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

18 USC Chapter 13 Subsection 241 : If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX XXXX  or an attempt to commit aggravated XXXXXXXX XXXX or an attempt to XXXX, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death. 
Also the Credit bureaus took more than 30 days to complete my investigation.
Product: Credit reporting

I have several inquiries on my report from companies, I do not have any accounts or services with. I did not authorize these companies to access my credit records under any circumstances. These inquiries appear on my XXXX as well as my Equifax accounts.
Product: Credit reporting or other personal consumer reports

I am a victim of ID Theft! After reviewing my credit report recently as I have not used my credit in many years, I have seen a lot of discrepancies on my file. There are multiple accounts that have been opened in my name without my authorization! 

I am filing all the necessary paperwork as I have recently found out about this. 

The following accounts need to removed from my XXXX, XXXX, and Experian reports as they are unauthorized accounts : XXXX XXXX XXXX XXXX XXXX, XXXX {$2800.00} XXXX  XXXX XXXX  XXXX. XXXX, XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$300.00} XXXX XXXX XXXX XXXX, XXXX {$580.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$90.00} XXXX XXXX XXXX XXXX, XXXX {$550.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX, XXXX XX/XX/XXXX {$850.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$470.00} XXXX XXXXXX/XX/XXXX {$470.00}
Product: Mortgage

The mortgage is serviced by Dovenmuehle Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX. 

This company took over the servicing in XXXX of this year. I was previously paying bi-weekly {$750.00} and the payment was XXXX that left XXXX each two payments to principal reduction. They get the checks and it takes up to 10 days to get the account credited. The last payment was received on XX/XX/XXXX ( It was stamped on a copy of my cancelled check. The web portal states applied on XXXX. The check cleared my bank on XXXX. There is additional funds that they hold in a suspense account until I have to call to be put to principal reduction. 

This process seems illegal since they are holding money that can reduce my amount owed.
Product: Credit reporting or other personal consumer reports

My husband and I have both had trouble simply setting up our accounts, getting new passwords for existing accounts, logging into the accounts to freeze and unfreeze our credit reports. It is beyond frustrating, and one endless loop no matter which option we choose to get help and resolution -- calling, chatting, emailing, using their website. Every avenue never results in getting a person who can help and resolve the situation in a timely manner. They can't even send a code for two step verification -- you end up wait hours to get the code, or you don't get it at all. It's nuts. We are put on hold forever, never called back when we choose that option, and still end up not being able to log in to freeze/unfreeze our credit reports. That is unsustainable and unforgivable for a credit agency. Get it fixed so people can freeze and unfreeze their credit when they need to in order to protect their credit and finances and to have needed credit checks go through when needed. This can not be allowed to continue. Please force this credit agency to fix these issues once and for all so consumers can easily freeze and unfreeze their credit by easily logging into and out of their accounts. This is insane and has been going on for years. That is a minimum basic ask that all the agencies should be required to adhere to, and if they can't they should not be allowed to exist as a credit agency any longer.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against the Cash app ( block , inc ) due to their customer service reps not being live or having to be able to talk to an actual representative which violated ( C.F.P.A ) The cash app does not take timely or effective measures to prevent dress fraud on their platform they did not provide error resolution requirements under ( EFTA ) these actions have to cause me incipience and financial loss this is a serious violation and am looking for a solution.
Product: Mortgage

We re-financed our home with RPM Mortgage in XXXX of 2013 and were over charged for Funding Fee.
Product: Debt collection

I have asked over and over for verification of debt and all accuracies of it several times and i have yet to receive verifications ... this is reporting on all 3 credit bureaus and i Have askes for it to be removed months ago and its still there despite my multiple requests and complaints ... i have no knowledge of this collection i have written company certified also over month n half ago still no responses
Product: Vehicle loan or lease

Paid off the vehicle in XX/XX/XXXX. Never received title or release of lien letter. Contact ally financial in XX/XX/XXXX they could not find the vehicle with just my name and ssn. Wanted the vin number. Did not have it handy at that time called back the next week in XXXX was transferred XXXX or 4 times then updated my address and phone number after providing the VIN was told to allow XXXX  days for processing and for it to be mailed. Still have received nothing.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a serious violation of my consumer rights regarding unauthorized hard inquiries appearing on my credit report. After a thorough review of my credit file, I have identified several inquiries that I did not authorize.
Product: Debt collection

this is not my debt i dont owe this company I never applied for the XXXX XXXX account. I have not lived at XXXX XXXX XXXX in over 5 years. My name ispelled incorrectly and I don't know who this creditor is originally and don't owe this company. This was identity theft and someone or somebody applied for this account. I want all collections stopped on this file immediately.
Product: Student loan

So I disputed an account on my credit report and it was returned as the address not being good. I sent it to the address on my credit report and it was returned to sender. This means the account is not verifiable and a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit with the fair Credit Reporting Act XXXX  account # 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.
Product: Credit reporting or other personal consumer reports

Experian sends notification that I can view a dispute online but when you try to view it it says you can't and gives you a number to people who can barely speak XXXX who want your full social security number then after they have it they say WE CANT HELP YOU Scam scam scam scam
Product: Credit card

For the past 3 months, I have been applying credit card from different banks and they all denied it. I signed up at credit karma to check my credit scored and I find out someone had used my social security to signed up credit card at Discover Bank. I called the bank to report the issue, they told me they will mailed me a report letter for me to sign and mail it back to them so that they can start their investigation. It 's been like 3 months now, no letter and I kept on calling them but they always tell me, they will mail it to me within a month but have n't received anything yet. The worst part is because they have my number now, they called me to inform me that I had taken credit card from them since XXXX XXXX, 2014 and I have n't made any payment yet. I want you to help me talk to them and resolve the issue so that, that thing will waive off from my credit report. Thank you