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

I have requested from EXPERIAN credit to remove incorrect information from my file. I filed a dispute regarding companies that EXPERIAN refused to investigate or remove incorrect information from my account. I just recently sent a complaint regarding a company to XXXX on XX/XX/XXXX. I also have sent disputes to EXPERIAN regarding XXXX other companies putting misinformation.. ..according to the Fair Credit Reporting ACT. 
I have placed disputes starting in XXXX to EXPERIAN but they continue to send the same respond- but updates my file which pushes the XXXX year rule out further on my credit. This is against the Fair Credit Reporting ACT. 

According to Fair Credit Reporting ACT - The FCRA places a time limit on the reporting of certain negative information. Generally, most adverse information, such as late payments, collection accounts, and XXXX XXXX XXXX can only be reported for seven years. EXPERIAN have allowed companies to go past 7 years by continued updating by a dispute that the consumer has made. 

If the company can not prove that the CONSUMER has purchase anything from them, you can not EXPERIAN leave it in a person 's report. EXPERIAN did not do DUE DILIGENCE in handling my credit. 

The companies I am in issue with are XXXX XXXX and XXXX XXXX on my credit report. I have attached a copy to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

on XX/XX/2021, i sent XXXX, equifax, and XXXX  letters requesting the validity of the inaccurate items they are reporting on my credit report and the inaccurate personal information that they will not update that may lead to identity theft.i sent it off certified mail and the number is XXXX  # XXXX EQUIFAX # XXXX XXXX  # XXXX this is stressing me out and keeping me from getting a home
Product: Debt collection

For 2 years, since XXXX, Dyck-O'Neal made my life unbearable with incessant phone calls and letters alleging that I owed a debt to XXXX XXXX that they were authorized to collect ( attached ). Uncountable times, I responded and advised them that I did not owe XXXX XXXX any money but they continued to harass me. Several times I called the number I was advised to call but the harassment continued. Then I applied for credit and was denied and informed that it was largely because Dyck-O'Neal had reported this debt on my credit ( attached ). My credit score dropped as a result of Dyck-O'Neal 's reporting. I contacted XXXX XXXX and they confirmed to me that I did not owe them any money and that they had not authorized any collection from me ( attached ). I confronted Dyck-O'Neal again and they wrote me a letter on XXXX XXXX, XXXX simply stating that they have ceased collection activities ( attached ). No apologies. No compensation for the emotional and financial stress they put me through for 2 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In a

ccordance 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. 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: Debt collection

Apparently I am a victim of XXXX XXXX, they are looking for my Ex and her husband. After numerous letters from them and Phone Calls, I sent email to company about this and then asked them to stop all contact because I have nothing to do with any of this. A lady from the office sent back an email saying they would remove me and not contact me anymore about this. I received a letter in the mail again. I just want all this to stop, I owe NO money to these people but they keep harassing me even after stating they will stop.
Product: Debt collection

I already asked this company to show cause or to remove themselves from my credit report. The agent on phone threatened my fiancee into almost paying a debt that I am not sure we owe. They will not answer questions or show proof that I owe debt.the agent told my fiancee that she would never be able to rent or get a vehicle while this is on the credit report.shady
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third times 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, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Balance {$4800.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXXXXXX, MA XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX
Product: Student loan

In XX/XX/XXXX when my loans became due from Navient they wanted me to pay {$1400.00} a month and with my income there was no way I could afford that. I asked them to extend the amount of years for repayment and they said no, instead they gave me a Rate Reduction Program for 15 months and reduced my interest rate and made my payment much lower. I still struggled as I was paying out {$1100.00} a month in student loan payments. I received an email in XX/XX/XXXX stating my Rate Reduction Program was soon coming to an end and if I wanted to extend it to fill out financial paperwork and request the extension. I filled out the paperwork and I called in XX/XX/XXXX to extend the program and they said I couldn't do anything until the Rate Reduction Program actually ended. I was told I had to wait until XX/XX/XXXX when my new billing cycle came out. When I received my new bill for XX/XX/XXXX after the Rate Reduction Program ended I also noticed they increased my interest rates to a much higher rate then when I got the loans. I called Navient on XX/XX/XXXX and inquired about extending my Rate Reduction Program. I was told I did not qualify because I do not have a bad mark on my credit report and because my credit is good I don't show financial hardship. I told them if they look at my income and the amount they want me to pay monthly on top of the other student loans I pay I do show financial hardship. Their only answer is for me to find another company to refinance my loans through. There isn't a company out there that will give me {$140000.00} loan based on my income. It makes no sense to me that they would want to ruin my credit ( after I have faithfully paid my payments in the program I was in ) before helping me. My defaulting on these loans doesn't help anyone. My circumstances last year were no different from this year and I qualified for the Rate Reduction Program. There has to be a better system for Navient to work with people who want to pay back their high balance loans but can not afford the ridiculous monthly payment they want.
Product: Credit card or prepaid card

Dear CFPB, I was in the process of applying for a XXXX XXXX Credit card online. I have not applied for credit online before. It seems that i answered some online questions meant to verify my identity incorrectly so the application was declined upon the merit of that. This was recorded as an application for credit on my report, however they simply said that they could not verify my identity online. Furthermore they refused to send me a written application. Also they said that I would have to wait 30 days and to try again. However this seems to be a pointless game. If you are a high end retailer and want the business of a customer of many years, then you would send out a paper application as a matter of course. However the call in center if far from high end. I feel that there is something wrong here. 

Application made : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Application number : XXXX XXXX XXXX/ Capitol One XXXX Also it is nearly impossible to submit a credit dispute online to XXXX   using their online form. The application deletes itself if you try to scroll down. Also it uses private credit history questions as a form of identification. It would be nicer if there was a form I could print out and send in with proper identification. I imagine if you really had a problem, you could become quite frustrated. 

That said this will be the last of XXXX XXXX and Capitol One Credit applications which I fill out. You must hear so many more serious stories than this, however I do nott like unprofessional persons playing games with my credit. 

Many thanks, XXXX XXXX XXXX XXXX
Product: Bank account or service

I HAD PREVIOUSLY FILED DISPUTES WITH PAYPAL XX/XX/XXXX AND ALSO FILED MY DEBIT CARD LOST AND THAT SOMEONE HAD BEEN USING MY PAYPAL ACCOUNT SINCE I NOTICED ACTIVY ON MY ACCOUNT LIKE AN INVOICE THAT I DID NOT ISSUE. I THEN STOPPED USING THAT PAYPAL ACCOUNT SINCE I DID N'T FEEL SAFE USING THAT ACCOUNT. LAST WEEK I GET A NOTIFICATION FROM PAYPAL STATING THAT MY OTHER ACCOUNT WAS BLOCKED. WHEN I CALLED PAYPAL AND SPENT OVER 3 HOURS ON THE PHONE AND NOT ONLY KEPT BEING TRANSFERRED FROM DEPT TO DEPT ... THEY NOT ONLY LIED TO ME BY TELLING ME THOSE CHARGES WERE DISPUTED AND THEY CAME BACK NOT TO MY FAVOR, WHEN I ASKED TO GET TRANSFERRED TO THE DEBIT CARD DEPT THEY REFUSED TO AND EVENTUALLY PRETENDED TO TRANSFER AND THEN HUNG UP ON ME. BUT WHEN I GOT THROUGH THE DEBIT CARD DEPT THEY TOLD ME THAT THOSE CHARGES WERE NEVER DISPUTED NOW THAT I WAS ABLE TO DISPUTE THE CHARGES THEY DECLINE THEM BASED ON THAT ITS 3 MONTHS LATER AND THAT MY PIN WAS USED. I ORIGINALLY HAD CALLED RIGHT WHEN IT HAPPENED TO REPORT THE CHARGES AND TO REPORT THAT MY ACCOUNT WAS BEING USED BY SOMEONE ELSE. THEY DID NOTHING TO PROTECT MY ACCOUNT BUT CONTINUE TO LET SOMEONE ELSE USE MY ACCOUNT. NOW THEY ARE DEMANDING FOR ME TO PAY CLOSE TO XXXX IN CHARGES THAT I DISPUTED, ALL BECAUSE THEIR TEAM DID NOT DO WHAT THEY WERE ASKED TO DO BY ME WHEN IT HAPPENED
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft and submitted a disputed letter XX/XX/XXXX. Unfortunately, the actions taken thus far have not yielded the results mandated by federal law, specifically the Fair Credit Reporting Act ( FCRA ). 
As per my previous communication, I am a victim of identity theft, and there are several accounts listed on my credit report that I did not authorize or open. These fraudulent entries are significantly affecting my credit score and my ability to obtain credit.

I have attached a copy of the police report as further evidence of the crime committed against me. Additionally, I have included a detailed list of the fraudulent accounts for your review and action. 
I am requesting the immediate removal of these unauthorized accounts from my credit report : U S DEPT OF EDXXXX XXXX Original Creditor XXXX XXXX  ) ( XXXX ) XXXX XX/XX/XXXX XXXX U S DEPT OF ED/XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX U S DEPT OF ED/GSL/ATL ( Original Creditor : DIRECT LOANS ) ( EQ ) XXXX XXXX US DEPARTMENT OF EDU XXXX Original Creditor : XXXX XXXX  ) ( XXXX ) XXXX XX/XX/XXXX XXXX US DEPARTMENT OF EDU ( XXXX XXXX XXXX XXXX XXXX  ) ( XXXX ) XXXX XX/XX/XXXX XXXX U S DEPT OF XXXX ( Original XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XX/XX/XXXX XXXX U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX U S DEPT OF ED/XXXX  ( Original Creditor : XXXX XXXX  ) ( XXXX XXXX XXXX XX/XX/XXXX XXXX U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) XXXX XXXX U S DEPT OF EDXXXX XXXX Original Creditor : XXXX XXXX ) ( XXXX ) XXXX XX/XX/XXXX XXXX U S DEPT OF ED/XXXX ( Original XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX US DEPT ED XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX /US DEPT ED XXXX XX/XX/XXXX XXXX US DEPT ED XXXX XXXX / US DEPT ED XXXX XX/XX/XXXX XXXX US DEPT ED XXXX XX/XX/XXXX XXXXUS DEPT ED XXXX XX/XX/XXXX XXXX U S DEPT OF ED/XXXX ( Original Creditor XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX Under the FCRA, I am entitled to have these inaccuracies corrected promptly. The continued presence of these fraudulent accounts is a direct violation of my consumer rights.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act,
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I did not authorize the creation or association of these accounts. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report without delay. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$200.00} XXXX XXXX XXXX XXXX XXXX  - {$00.00} Fraudulent Inquiries : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the XXXX you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.
Product: Debt collection

I received a call late in the evening from a representative in broken XXXX  stating that it was an attempt to collect a debt. They had information such as address and partial date of birth and pressed hard for me to confirm additional information that I did not provide. 

They said that the debtor was XXXX and that it was sent to Southwest Credit Systems, and they asked for {$100.00}. I shared that I was in good standing with XXXX XXXX and do not owe the money. It's at that point the caller was very abusive and demanding for information. At this point this seemed very sketchy and said that I would follow up with XXXX XXXX to see and hung up. 

I called all departments with XXXX XXXX and as was my thought I was in good standing and nothing owed. XXXX XXXX also shared that they never send anything related to memberships to a XXXX XXXX XXXX, if someone doesn't renew a membership they just cancel. Chief Legal council with one of the organizations is in process of following up. 

That confirmed that Southwest Credit System is running fraudulent scams. In addition, in filing a complaint with the XXXX, there was another complaint exactly the same as mine. Identical to what happened to me.

SWC Reported this to the Credit Agencies. One credit reporting agency promptly removed as they could see this is fraud, the other 2 have not as of yet. 
I reported to the Attorney General, The XXXX, and currently in process of reporting to law enforcement and the FBI. The damage SWC is causing to the public is outrageous and I want this removed from my credit and to whatever extent I can protect myself from this evil.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax credit information hack. In addition to lack of personal notification that ALL of my personal and financial identity information was compromised, I find it unacceptable that I have to PAY to freeze my credit when I did NOT consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to make a complaint against XXXX, Equifax and XXXX I reached out to all the bureaus asking them to remove all the fraudulent information form my credit report and they have not responded to my efforts to resolve the issues
Product: Mortgage

My mom has passed away and I am just trying to make payments for the house that is now under my dad 's name while it is waiting for a closing date. I have made payments on the account previously but as soon as I told them we are closing in few months, and is XXXX month behind on payment, they are just hanging up on me making it impossible for me to make any sort of payment. I know that in state of Virginia, mortgage companies can foreclose the house in 90 days. We have significant equity in the house so I do not want to preassume anything but this situation makes it seem like Seterus Inc is trying to prevent us from making payment so they can foreclose our property. They are keep telling me the information is wrong even though I am providing them with same information I have been telling them for months. All of the sudden, the information is incorrect as soon as I told them we are under contract and need to make 1 month of payment so that our house is prevented from going under foreclosure. Also, I now have to pay a late charge because they were not allowing me to make any payments before the pay period I was responsible for late charge.
Product: Credit reporting or other personal consumer reports

The following items are inaccurate and or incomplete. Please verify each account. Once investigation is completed please remove/delete all accounts not reporting XXXX. 

XXXX. XXXX XXXX XXXX. Account terms inaccuarate. Balance inaccurate, payment history incorrect XXXX. XXXX XXXX XXXXaccount terms inaccuarate, payment history incorrect, balance incorrect XXXX XXXX account terms incorrect XXXX Account is closed but shows active payment history XX/XX/XXXXaccount number XXXX account terms inaccaurate. payment history incorrect and missing XXXX account number XXXX account information incomplete and incorrect and missing
Product: Checking or savings account

Hello, good morning, on XX/XX/year> my wife asked me if I could change the check for my bank account and indeed I did so and the next day, XX/XX/year>, the account was frozen, we even went to the bank to comment on the situation and they gave us a number to call but they did not provide us with information, we called and the answer was that the phone number had to be in my name and I told them of course why, the number is in my wife 's name but when they did Upon verification, the number is in the name of another person, which my wife and I did not understand. Because of this, we went to the company where we paid for the cell phones and they told me that it is in her name and that she has me on the cell phone account since She is the XXXX who was in charge of those procedures, we called many times and the answer was the same that I had to verify with the phone number, the company provided me with some files showing that they were in my name but since those numbers are recycled, they are not They explain why they still have the name of the previous owner or the bank gets that name because the database is in my name. They want to give us a refund of the money after XXXX days the account is closed, they only return mine and my wife 's goes to an account for XXXX years then it goes to the government and it is not fair that only by calling they want to validate that information when There are many documents where it can be demonstrated that the account belongs to my wife.amount of XXXX XXXX ' check XXXX claimed on XXXX XXXX 's account.I talked to them and we went with my wife and all the relevant documents but they do not receive anything, they only do the verification with the number and a database. and if not, nothing can be done
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 days late payment XX/XX/2018 XXXX  XXXX XXXX.I was in shock because I was never late in my payments.The information is incorrect.