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

Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

The Account names are in the attached documents
Product: Credit reporting or other personal consumer reports

FIRST TECHNOLOGY FCU. 
Is a federal bank. Where they are blaming me for to pay a debt that is not mine nor belong to me as I was a victim of fraud back in XXXX. 

They sold the debt to 2 collections company. XXXX & XXXX XXXX XXXX. Which they close and settle the debt. {$0.00} balance. I have letters to prove. Account settle with fraud identity theft XX/XX/XXXX. 

FIRST TECHNOLOGY FCU. Has re-open a close account which was settle closed {$0.00}. XX/XX/XXXX. In order to collect interest on account. AFTER four years being closed on XX/XX/XXXX. The closed account has appear again randomly open {$8800.00}. Under my credit bureaus affecting my score lowering to XXXX points and my credit card company XXXX deducted me {$10000.00}. Dollars of credit line due to this ilegal incident from FIRST TECHNOLOGY FCU. 

I have contacted them they said is my fault and I have to pay that money to them. A lost stolen funds and identity theft done to me back in XXXX. I have police report and a supposedly consulting company which stolen my information NEVER received service defrauding and opening several accounts under my name including a chase account which I have never had. I demand help this is a burden with my credit score and credit lines. I was a victim of fraud and identity theft, the debt was settle and close with the two credit collections companies mentioned above and FCU have been doing unlawful matter keeping re-opening closed accounts close case which has been closed 4 years ago XX/XX/XXXX FCU is not relying in consumer regulations. 

Please, need help into removing this from my credit report.
Product: Payday loan, title loan, or personal loan

I have a loan with Mariner Finance. I am a bit behind on payments. When they call about payments, I have told them I can make a payment by the end of the month. They then harass me asking, " well, what day, I need to know what exact date, and how you will be making a payment ''. My husband has a loan with them as well, previous manager, with a late payment of a % of the principal or payment due not totally sure as it's his loan but mine is {$20.00} everytime, I feel this is exceedingly high for being a repeat customer. They also can not keep their records straight. I can not find anything online in my accounts with them about my loan, only a picture of the check. Just recently, I authorized a payment for {$230.00} on XX/XX/XXXX. They only took {$100.00} from my bank account. When I called to see what happened, I was told, " we have a recording of you authorizing a payment on the amount of {$100.00}. I admit, that set me off, what recording are they making of me, so I cussed at the agent. She overheard my husband say we would be calling the Virginia GeneraXXXX Attorney. All of a sudden they try calling me back and left a voicemail saying they actually did have a recording of me authorizing the {$230.00} payment and if I could call them back to authorize a payment of the difference. I have not called them back yet as I wanted to talk to officials. I feel that, several times, common business ethnics, were not acted out and instead made me out to be a villian, acting like basically loan sharks, over an overdue payment. Granted it's not the first one, but we paid the last one with all added fees and made arrangements to do so again and it's been awhile since I've been in the job market with COVID-19 and everything that happens afterwards, but this does not make me feel right, as a customer, to be constantly harassed about late payments when I know I am late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was automatically enrolled in a $ XXXX/mo service when filing a credit freeze. I did not want this service. It was not obvious that I was signing up for this service.
Product: Debt collection

I went to the ER in XXXX XXXX because I had the symptoms of having a XXXX XXXX. I told no less than five attendees that I drank some Turmeric Tea too fast, and that it may be XXXX XXXX. None of them wrote it down. My friend was with me and was a witness to this. I sincerely believe that since I had Insurance, they saw me as a dollar sign. They insisted keeping me overnight, and so I could avoid having to pay a {$100.00} insurance deductible. I should have not listened to them. 

My credit was wrongly attacked because one of the doctors, claimed he was called at XXXX  to assist with the doctors on staff with my case. They didn't tell him about the turmeric tea. Dr. XXXX is the source to what I believe was fraud. I have more than 40 pages of records from the hospital to prove none of them documented the turmeric tea consumption. 
They even referred me to a XXXX XXXX, and they tried to get thousands of dollars from me to investigate more. I also feel they had their ultra sound tech pretend she couldnt see part of my XXXX. I found out ALL of these doctors were on staff at the XXXX XXXX Hospital. I cant help but feel this a racket to make money off of unsuspecting people Dr. XXXX was also asked to not ever return to the hospital to where I was treated. 

I contacted my attorney to get Dr. XXXX XXXX to leave me alone. He told my attorney that I was : 1. XXXX  XXXX, which was not true. 
2. Stated that I maintained a high sodium diet. This is false because I didn't have the benefit of an 8-12 hour fast before they XXXX XXXX. 
3. Stated that I had untreated XXXX XXXX. I have been under a doctor 's care for XXXX XXXX XXXX since XXXX. I didnt have my XXXX machine with me when they admitted me into the hospital. 

This doctor violated HIPAA laws by giving this information to my attorney without my knowledge or permission. 

This fraud is still showing on my XXXX XXXX  report, and I want it gone. I also told RS Clark and Associates ( the Collection Agency ), that the claim was false and fraudulent and they refused to remove it. I am not paying them {$230.00} for their false claims. I am even considering filing a HIPAA violation against this doctor for providing my medical information to a 3rd party without my permission or knowledge. 

Here is the Collection Agency information. 

RS CLARK AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Credit card or prepaid card

Upon receiving an updated credit report in XXXXXXXX XXXX XXXX  I noticed this credit card opened in my name that I never opened. I need this account, along with the inquiry removed from all credit profiles and consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : WESTERN XXXX {$3900.00} XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

I was shocked when I reviewed my credit report and found late payment on the dates below : [ Late Payments ] 30 days late as of XXXX 30 days late as of XXXX 30 days late as of XXXX 30 days late as of XXXX 30 days late as of XXXX 60 days late as of XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I believed that the account was in auto pay that was coming out of my account automatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am a victim of identity theft and effected by the XXXX data breach was checking my credit report and noticed unauthorized accounts and inquiries. 

I have enclosed my screenshots of some of the inaccuracies on my credit report and according to the FCRA my credit report must be 100 % accurate. 

In accordance with the fair reporting act 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 an account without my written instructions.
Product: Debt collection

I sent certified mail on XXXX XXXX, 2015 a letter requesting Portfolio Recovery Associates , LLC to send me the original documentation on a debt they are trying to collect. They were unable to provide me with the requested information. They sent me a letter stating that they reviewed their records and they deny their records are inaccurate with out sending me the original documents which I requested them to and am entitled to under the Fair Debt Collection Practices Act.
Product: Credit card

Hi Im writing this due to being over charged by Elan Financial Services a credit card company purchased through the XXXX XXXX XXXX. 

I call as well as paying my bill by using the app. The agents tell me that they take my payment less than XXXX XXXX ( XXXX ) hours for which they dont, where the money sits in my account long enough to where it interferes with my other bills. 

I know that the new law for credit card fees are not XXXX XXXX XXXX XXXX ) for which they charge me. This has been happening month after month where they now close my account and tacked on extra fees. 

I went into the Bank sometime ago in XX/XX/year> for which they explained to me that I couldnt pay in person its either over the phone or on the app. How am I suppose to pay my bill. The services are terrible, it takes forever to get a live representative on the phone. 

I thought that this agency are suppose to watch over these credit cards companies as well as help the citizens not being ran over on. 

I filed a complaint with XXXX XXXX, XXXX XXXX called, I returned their phone calls, its like playing phone tag.
Product: Credit reporting or other personal consumer reports

I am a victim of human XXXX  of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who l am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I received an offer for a personal loan : {$590.00} SoFi Personal Loan Bonus Offer. I confirmed with an agent that I qualify. The loan application provided me terms of repayment to select. I submitted and Sofi ran my credit. Then they denied me with the following reason ; " Does not offer credit on the terms requested. '' I contacted support. They believed it was due to a computer error regarding another partially completed loan application. They removed both applications and had me do another application. Instead their system states " SoFi can't offer you a personal loan at this time, but XXXX may be able to help. '' This is a referral to a different lender. The agent suggested I add a co-signer. 

My credit score on their denial letter is XXXX as of XX/XX/2022. They loan was for {$5000.00}. It appears to me that this is some bait and switch in order to mine my data. How can they reject me on the terms requested when they are the one 's that gave me the terms to pick from?
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked for a company, XXXX XXXX XXXX XXXX, which is a XXXX XXXX XXXX # XXXX. I was issued an XXXX XXXX XXXX credit card. All of the company cusiness credit cards clearly show that they were BUSINESS and not personal. In fact I was denied use on several occasions because they were clearly not business related uses. All the other XXXX employees of the company were issued and used the XXXX XXXX business cards as well. Occasionally i used my money from my personal bank accounts to pay back the company for my personal XXXX  purchases. The money was paid directly to XXXX XXXX per company policy. The XXXX went under and XXXX XXXX placed a notice on my personal credit file that I was personally delinquent and accountable for the business accounts! Prior to the delinquency notice nothing from XXXX had every appeared on my credit report ( Note! I once applied for an personal XXXX XXXX card years ago after working for XXXX  and I was denied! ) I notified the credit bureaus and they said I had to notify XXXX XXXX. I did so and XXXX XXXX responded that since I made some payments on the business account, that I was personally responsible for all the business credit card debt. It was a business account and never showed up on my credit report until it was delinquent. I never signed any agreements to be personally responsible for any of XXXX XXXX XXXX  XXXX. I simply paid them for my XXXX  that they purchased for my use. XXXX XXXX seems to be making up actions that the credit bureau 's are just accepting and basically refusing to remove from my credit report. As a result my XXXX XXXX has plummeted to below XXXX for the first time in my life. There is no way that a company can hold someone responsible for another company 's debt simply because the individual paid a bill! Because of Covid and my finances having been hurt, I am unable to get a lawyer to address this matter. But I feel like XXXX XXXX is being given XXXX  XXXX access to my personal credit files with no personal permission or personal grounds to do so. Thank you for your time and anticipated cooperation in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is deliberately stalling and refusing to address the disputes I have sent by certified mail on XX/XX/2019. I have received multiple notices stating that I need to verify my address and they have provided an address that doesnt match my profile or what I included in the dispute. I have sent a copy of my social security card and drivers license which shows the correct address on there and they are still refusing to look into my disputes. The correct address was also included on the letter and Equifax provided me an address that wasn't even on my credit report.
Product: Credit card or prepaid card

In XX/XX/2020 I received an unsolicited " PayPal Cash MasterCard '' in the mail from PayPal. The card included is real and an account number has been assigned. 

I previously had an account with PayPal but the account has been closed for at least a year, likely much longer. I closed the account due to account security and privacy concerns and specifically requested that my account and all related information be permanently closed/disabled/deleted. 

I have attempted to contact PayPal and their card issuer but their automated system states that they can't handle my call by phone and to login to support a ticket ( which of course I can't do because I don't have an account, other than the new one they have apparently created on their own ). I have also opened a XXXX  case but PayPal has not responded. 

I believe this is a violation of the Truth in Lending Act. Hopefully someone can hold PayPal accountable for their unacceptable practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

i bought a van which the beginner give me problem some week ago the bought this car broke down i called some time to the dealer for the warranty and they never answer me and do nothing also called the bank and they donnt do nothing i decided relese the car bcs how i going to paid a lot a money for junk car bcs with the time bring more electrical problem and the credit asgency have my status as reposition when the realy is a releasaed the car righ noe this affectyed my credit when the dealear and bank cheating me the deales is XXXX XXXX XXXX  in XXXX PA and the bank is XXXX XXXX XXXX  this account affected my wife credit too
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.

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: Student loan

On XX/XX/XXXX, we submitted the annual required income verification form, indicating that this was an annual re-certification and we wanted to stay on the same plan we had. We received a notice back saying that they could not pull records from the IRS, so we would need to submit paper copies of prior year tax returns. We mailed in the required forms. 

OnXX/XX/XXXX, we received a bill for the full payment amount ( ~ {$3200.00} ). Apparently in addition to the box indicating we wanted to stay on the same plan, a box was checked on that form saying that we wanted to have the cheapest payment possible. A rude and uninformed customer service representative talked us into changing our plan to pay-as-you-go, instead of the Income Driven Repayment plan we wanted to be on. Our interest then capitalized, adding thousands of dollars to our principal. This rude and uninformed employee told us we could make a {$5.00} minimum payment that would count to move us over to the next repayment plan. 

On XX/XX/XXXX we received a bill for {$5.00} and a letter notifying us of forbearance. This was paid on XX/XX/XXXX 

OnXX/XX/XXXX, we received a bill for the full amount again ( ~ {$3200.00} ). AroundXX/XX/XXXX, a representative from XXXX XXXX advised us to not pay that bill, since it would n't go to collections for 90 days. They estimated that the Processing Department would update and correct everything before that 90 days. 

OnXX/XX/XXXX, we received a bill for ~ {$6400.00} -- the prior amount due plus a new amount. A phone call with employee # XXXX on XX/XX/XXXX revealed that a ) we would not receive credit for payments made on XXXX XXXX, XXXX XXXX, XXXX XXXX, or XXXX XXXX. She also revealed that our new payment would go into effect in XXXX. So had we listened to the previous employee who advised us to " not make that payment, '' we would have surely gone into default had we not made a {$9600.00} payment. She advised us to request an administrative forbearance-we could do this since it was taking so long to process the new payment amount. She also advised requesting an 'override ' so we could make an XXXX payment on the new amount and get credit for it. 

Today, XX/XX/XXXX that request was made and we talked to employee # XXXX. This employee was extraordinarily rude, arrogant, and not helpful. He had no idea what an override was, and refused to explain any aspect of what an administrative appeal was or how it worked. Instead of helping, he insisted on making us feel as though he had no idea what we were doing. 

So we attempted to update income on XXXX XXXX. 5 months later, we still do n't have the correct payment amount, wo n't have the correct bill until XXXX, which is 7 months after the initial request, and now have lost credit for months worth of payments. And there 's still no guarantee we wo n't have to make a {$9600.00} payment to clear this all up and to avoid default.
Product: Mortgage

Ditech Holding Corporation, et.al, has filed for bankruptcy. 
I sent my regular mortgage payments on XXXX and XXXX XX/XX/2019. 
My XX/XX/XXXX mortgage billing statement shows that Ditech has stopped crediting my payments to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

we have sent in Several verification letters with my written signature on it. Transunion refuses to send any type of verification
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 XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : 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 XXXX XXXX XXXX XXXXXX/XX/year>