23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

The above mentioned account is being reported as severely derogatory on my credit report. 

Late payments being reported : 60 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following information that is being reported : 1 ) Original Note to ensure the accuracy and legitimacy of the date the account was opened, account number, and terms of the interest and penalties that were originally agreed to. 

2 ) Payment History of the account for the entire duration of the note to review the application of payments to their proper destination 3 ) List of charges and fees especially those assessed after the charge off status on the account 4 ) Date of actions taken on this account including but not limited to the dates of the charge off status, correspondence sent to me regarding the charge off action, and collection activities 5 ) List of the dispute instructions sent to you by the credit bureaus from my dispute letter 6 ) Date of payments and statements that were sent. 

7 ) All address change requests and the fulfillment of the payment change.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX XXXX : {$960.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Debt collection

Convergent Outsourcing XXXX continues ( for nearly five months ) to use an automated dialer to call my office telephone number. What 's more, when I have called their number to ask them to cease the phone calls, they have told me that they are not even trying to reach me. I can not imagine what harassment I would endure if they actually thought that I owed them money. 
I have called them on numerous occasions, requesting that they stop calling me with their response being that my number is on their blocked list. I have registered my phone number on their " Do Not Call List '' on two occasions with no results whatsoever. Convergent 's website states that calls should cease within 48 hours, but almost two weeks after my first request, I still receive several calls a week from them. 
It is utterly ridiculous that a company can interrupt my work day approximately 50 times, with phone calls and messages not meant for me, and smugly claim that there is nothing more they can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had to file this complaint MULTIPLE TIMES. EQUIFAX IS XXXX  GARBAGE WHO CONTINUES TO USE MY INCORRECT NAME WHEN I HAVE REPEATEDLY SEND THEM MY LEGAL DOCUMENTS TO PROVE MY LEGAL NAME CHANGE. THEY CONTINUE TO SEND ME EMAILS ADDRESSED TO MY PREVIOUS NAME WHICH IS VERY TRIGGERING AND UPSETTING, AND IN NO WAY REFLECTS ANY OF MY LEGAL DOCUMENTS. THEY REPEATEDLY CHANGE IT AND THEN CHANGE IT RIGHT BACK. THIS IS XXXX  AND UPSETTING EACH AND EVERY TIME. THEY REFUSE TO COMMUNICATE WITH ME OR TO CORRECT MY CREDIT REPORT. I LOST MY MORTGAGE THAT I HAD PREVIOUSLY BEEN PREAPPROVED FOR BECAUSE OF THEIR MISREPORTING. I LOST THE RENTAL HOME I APPLIED FOR BECAUSE MY NAME ON MY LEGAL XXXX DOCUMENTS DID NOT MATCH WHAT EQUIFAX HAD INCORRECTLY DISPLAYED ON MY XXXX CREDIT REPORT EVEN THOUGH I HAVE SENT THEM INVASIVE LEGAL DOCUMENTS PROVING MY LEGAL NAME MULTIPLE TIMES. I BECAME XXXX FOR OVER A MONTH BECAUSE OF THEIR GROSS XXXX AND NEGLIGENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC1681. 

Equifax is govern by 15 USC1681. And they violated my rights numerous of time I demand the accounts listed below be remove because According to 15 USC1681 : I have the rights to privacy and I did not give Equifax written permission to furnish these accounts. 

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

This guy is leaving a message ( XXXX XXXX ) to call in regarding a case. I know the situation was cleared up months ago. He is on my cell phone number XXXX The text message he left was : FROM XXXX XXXX XXXX : Reach now ( XXXX ) XXXX XXXX MSG : BANK OF AMERICA XXXX XXXX XXXX I did not dial and ask why this message was sent. I received a text message two days ago and reported it to " do not call ''. This guy sounds like he is recording a bank message and setting up a system to call him. Please stop these strange messages. 
He previously took a copy of my social security number and drivers license.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting act XXXX Account number 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.
Product: Credit reporting or other personal consumer reports

I am in utter disbelief. As a law-abiding citizen, its incredibly disheartening and insulting to have my rights as a consumer disregarded in this way. There are fraudulent items on my credit report that I had no part in and have never benefitted from, yet these errors are damaging my financial standing and personal reputation. I took immediate action by reporting this fraud to the Federal Trade Commission, yet these items remain on my credit report, unresolved. The ongoing impact is causing me overwhelming XXXX  and distress, and I feel deeply let down by a system that should be protecting me.
Product: Vehicle loan or lease

Last year in XXXX, I took out a car loan because I urgently needed a vehicle to get to and from work. I put $ XXXX down on a {$21000.00} car. I would pay the remaining {$15000.00} over the course of 60 monthly payments of {$450.00} at a 23.99 % interest rate. Our contract states I am able to prepay with no penalty so I have been submitting additional monthly payments that I intended go towards the principal. The loaner, XXXX XXXX XXXX XXXX, received those payments and applied them as additional monthly payments, all the way to up to next year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found several inquiries on my credit report that I did not authorize anyone or any company to make. I did not allow any company to send my information to any other company for gain or to open an account. 

XXXX XXXX XXXX, XXXX, XXXX XXXXl XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX
Product: Checking or savings account

People from WELLFARGO BANK decided to close my platinum savings account when I deposited XXXX checks {$5000.00} and {$1000.00} respectively because they said that there's XXXX check 's amount is changed by handwriting, another check is took picture by cell phone, requested me to provide the notarized letters to verify the check issuers. However, I did faxed my notarized documents XXXX times in different branches offices regarding to verify XXXX checks deposited to my account as they requested, they claimed that they didn't receive fax in XXXX  and XXXX time.It didn't make sense that they can receive the fax at the XXXX  time I faxed but they can't receive XXXX  and XXXX  fax I did on XX/XX/XXXX and XX/XX/XXXX respectively. I found out that they created XXXX different case numbers ( case No. : XXXX XXXX XXXX XXXX XXXX  ) as it's suspicious because nobody can locate my case when somebody picked up my fax. I also emailed to the representative of XXXX XXXX XXXX XXXX  by the attachments of notarized XXXX times, but they ignored them. I mailed all these documents to them, there's no respond to me. They should give me back all my money {$6200.00} deposited in my bank account by cash check when they're going to close my account on XXXX XXXX as the official letter mailed from WELLFARGO bank indicated that their regular practice of closing account, I had already got them done as they requested, they can't find all kinds of excuses that they didn't receive my faxes and close my account without giving me back {$6200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : UNAUTHORIZED INQUIRIES & PERSONAL INFORMATION PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX : INQUIRY DATE : XXXX XXXX PULL INQUIRY DATE : XXXX XXXX XXXX, XXXX XXXX INQUIRY DATE : XXXX XXXX INQUIRY DATE : XXXX XXXX BANK INQUIRY DATE XXXX THE FOLLOWING ADDRESSES ARE INCORRECT PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX THE FOLLOWING INQUIRIES AND PERSONAL INFORMATION ABOVE ARE INACCURATE, AND I DIDNT GIVE THESE FOLLOWING COMPANIES AUTHORIZATION TO ACCESS MY CREDIT REPORTS FOR THIS REASON. BY LAW SECTION 604 15 U.S CODE 1681 B STATES THAT CREDIT REPORT AGENCIES, DONT HAVE THE RIGHT TO REPORT ANYTHING ON MY CREDIT REPORT WITHOUT A WRITTEN CONSENT FROM ME. BY LAW SECTION 605 A 15 U.S CODE 1681 C-1 STATES NO CONSENT FOR THESE INQUIRIES WHICH MEANS IDENTIFY THEFT. BY LAW SECTION 605 B 15 U.S CODE 1681 C-2 STATES THAT IF CREDIT AGENCIES ARE NOTIFIED ON SOMETHING ON YOUR CREDIT REPORT THAT RESULTS FROM IDENTITY WHICH MEANS THAT I DIDN'T GIVE CONSENT ONCE AGAIN TO THIS.

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT REFLECTING THE ABOVE CHANGES!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please send to Tansunion and XXXX. 
I did not authorize these hard inquiries on my credit report. This is fraudulent please remove these as followed Transuion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

1. Equifax is well past 30 days past due on a Judgement in the amount of {$620.00} that was awarded to me and is attached. 

2. RE : Intent to file lawsuit, no response for Validation documentation. 
Validation Letter sent to : XXXX A Debt CollectorXXXX XXXX XXXX XXXX, FL XXXX Account ending in # XXXX To Whom It May Concern : Please be advised I have requested " validation '' { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Debt collection

On XX/XX/2022, I sent Goldman Sachs Bank a request to validate an alleged debt that is not mine. The Apple Card account balance was showing {$1500.00} and I requested validation per the FDCPA laws and received no response from Goldman Sachs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX  Account : # # # # # # XXXX XXXX XXXX XXXX XXXX Account : # # # # # # # # # # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account : # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account : # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account : # # # # # # # # XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX - XXXX XXXX Account : XXXX XXXX XXXX CARD Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX 15 U.S.C 1681 section 602 A. states that 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 an account without my written instructions
Product: Checking or savings account

Fraudulent checks were cashed and paid out by my bank ( Chase ) that were intended to pay personal bills. The original check was dated XX/XX/2019 in the amount of {$250.00} intended for XXXX XXXX XXXX. Chase paid out of my personal checking account a check dated XX/XX/2019 in the amount of {$4900.00} to a person believed to have stolen the checks out of the mailbox. Another check was also forged and altered to payout to the same individual to the amount of around {$2000.00}. This charge was refunded by the bank. The first and larger check has not been refunded to this date. 

I have visited the local branch numerous times and have started claims with them multiple times that end no where. I have contacted the bank by phone multiple times regarding the ongoing case and have received very little help other than to wait longer and that the bank will get in contact with me. I have documented proof of all paperwork filed, signed, notarized that was sent to the bank, as well as copies of the fraudulent checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX
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. 


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

I have attached and FTC report with 3 accounts and inquiries not authorized by me
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS EVEN AFTER BEING NOTIFIED. THESE ACCOUNTS ARE NOT MINE.THEY HAVE INACCURATE ACCOUNTS ON MY CREDIT REPORT.
Product: Checking or savings account

PNC has effectively stolen my money. I transferred money from 2 external accounts into their high-yield savings account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received notice that those external transfers were complete, and then PNC revoked access to my account saying that my banks won't release the funds. I received no fraud alerts or anything to indicate something had gone wrong. I called XXXX XXXX XXXXXXXX who said they released the funds, and the funds have been posted to my PNC account. So now my funds are not in my old accounts, and my new account will not let me access my funds. 

I was assigned a case manager, XXXX XXXX ( not sure how to spell the last name ) who left me XXXX voice mail and XXXX email. I called and emailed back. 10 days later, she still hadn't returned my calls or messages. 

My old banks can not recall the funds because they say the funds have already been released, and I can not access my funds because PNC says they haven't been released. I am trapped in a XXXX XXXX of a circular reference. 

DO NOT UNDER ANY CIRCUMSTANCES BANK WITH PNC
Product: Credit card or prepaid card

My name is XXXX XXXX, XXXX XX/XX/XXXX. On Saturday, XX/XX/XXXX I went down to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was then pressured into signing up for a CareCredit card with them. The Dentist  in charge of my care said I could lose my teeth since the XXXX XXXX was too far gone to treat it. He then told me I needed a root canal and this product sold by XXXX XXXX to save my teeth. I was then sent to another XXXX XXXX XXXX XXXX XXXX Before I left XXXX XXXX that day they said their product wasnt covered by insurance and that the product I needed to save my teeth from falling out cost XXXX XXXX I told them I couldnt afford paying out of pocket. Thats when they pushed their CareCredit card on me. I was mentally scared for the health of my teeth so out of fear for my health I applied and signed up for the credit card. The representative of XXXX XXXX told me there would no interest rates and my payment would be low. I wasnt able to read the contract since the representative had control of it. She just told me where to sign and I wasnt allowed to read it completely until after I signed. Then they gave me the products which havent been used and I have no intention of using. They were over-the counter-dental hygiene products. I tried to return the product two days later, but they said I couldnt do that since I signed the contract already. They said I could only get up to 20 % of the cost back. In essence I was misled into signing up for a CareCredit card. They didnt let me read the contract until after I signed. I was pressured into signing up by the use of fear from my own Dentist. They also used deceptive practices about interest rates to get me to signup. They also blatantly lied about interest rates and I couldnt even read the fine print until after I signed.
Product: Credit reporting or other personal consumer reports

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

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

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 with out my written instructions.