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

In XX/XX/XXXX, I attempted to file an online dispute with Equifax. I answered all of the security questions correctly. I was denied access to filing a dispute online. I attempted to gain access a handful of times and was was again told " my identity could not be verified. '' I decided fine, I will pay for a one time credit report. I was given the same security questions I was provided before. I answered them the exact same way. I was granted access. My credit report was valid for 30 days. Now in XX/XX/XXXX, I have again attempted to file a dispute on my Equifax credit report. I have entered all of the correct demographic information and again have answered the security questions the same way I did before ( accurate based on what is reported on my credit report ). I am again being denied access and being told that I could not be verified. Today, XX/XX/2017 I called and spoke to Equifax. I explained my situation and I also explained that them forcing me to purchase my credit report in order to file a dispute is illegal. The representative told me there was nothing he could do to fix the online access but he can file a dispute for me over the phone. I explained I did not want to file a dispute on the phone, I want my issue corrected online and I would like to file my own dispute online. He repeated again that he does not have access to the online system. I asked him to transfer me to someone in his organization that can. He stated I could n't talk to anyone. I asked for a supervisor. I was transferred to a supervisor. She took my information after I explained my situation. She placed me on a long hold. She told me that all of my information looked correct. She offered to file a dispute over the phone. I again stated that I did not want to file a dispute over the phone. I indicated that I am not having this problem with XXXX or with XXXX. I stated again, I feel like they are forcing people to purchase their report online in order to file a dispute online and I think that is illegal. She stated there was nothing she could do with the online system. I asked to speak with someone who could. She stated that if she transferred me to a supervisor they were going to probably say the same thing. I said to her " I thought I was speaking to a supervisor. '' She stumbled on her words and then stated " if I transfer you to another supervisor. '' I asked her to transfer me. She placed me on a long hold. I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Expiran has match my personal info to another person. I filed a police report to verify this The investigator in charge is officer XXXX of XXXX XXXX phone # isXXXX ( XXXX ) XXXX I have verified with the police that expiran has matched someone elses loan info to me. Nothing on the loan matches my info. yet they still put the loan on my credit report and are taking over a month to adjust this. They changed my credit report personal info to match this person my dob was changed my addresses were changed and my name was changed in credit report. When I call to tell them this they just say ohh you have to wait or we will close this investigation and open a new one which will restart the process. I need this XXXX $ car loan removed from my report it is not me.
Product: Debt or credit management

I paid for what was advertised as a lifetime of service for credit repair and disputes. After months of nothing being done I was sent this to my email. 

( Dear Valued Clients, We are pleased to inform you that the massive FCRA Complaint filed on your behalf is moving forward at a rapid pace. To strengthen your individual cases, we kindly request that you upload anydenial letters for creditthat you have received from the time you signed up with us to the current date. These documents are extremely important for your case. 

Please note that existing clients ' disputes to the bureaus will continue to be filed monthly as '' Intent To Sue '' even though you are included in the ongoing complaint. This ensures that your rights are protected and your disputes are actively managed. 

If you wish to disputeCollection Accounts, please be aware that there is a one-time fee of $ XXXX the Reinvention Program The Payment Link is below to book and be added to XXXX XXXX Case Load. 

Thank you for your continued trust and cooperation. If you have any questions or need further assistance, please do not hesitate to contact us. 

Best regards, Click Here For Reinvention Program With XXXX {$150.00} ) They are trying to get money for something I already paid for.
Product: Credit card or prepaid card

My Best Buy Citibank bill is due on the XXXX of every month and I missed my XXXX payment on XX/XX/XXXX. So I paid it on XX/XX/XXXX. I was charged a late fee, which is acceptable because it was late. So in order for my XXXX payment to not be late, I paid it on XX/XX/XXXX. I paid {$200.00} of my {$170.00} minimum XXXX payment on XX/XX/XXXX. Then I paid {$200.00} of my {$170.00} minimum payment on XX/XX/XXXX for my XX/XX/XXXX payment. But when I went to confirm that I didn't need to make a payment on XX/XX/XXXX, I had a minimum payment due. What?! So I called them and they said that it was because the payment was made in the XXXX billing cycle that runs until XX/XX/XXXX it can't be applied to the XXXX minimum. Huh?! So their policy is my payment is due on the XXXX. Late payment applied if not paid by XXXX. But if I make another payment before the XXXX, it is still in the billing cycle of the month I just paid in. How is my payment on the XXXX late if it is still in the billing cycle??? If my payment on the XXXX is late, then how is my payment on the XXXX not on time for the next due date? That is shady!! -- -XX/XX/XXXX {$170.00} due. -- -XX/XX/XXXXcharged {$39.00} late fee for no payment on the XXXX. -- XXXX XXXX paid {$200.00} for late XXXX payment. -- -XX/XX/XXXXpaid {$200.00} for XXXX bill due on XX/XX/XXXX. -- -Notice from Citibank another {$170.00} due for XX/XX/XXXX. -- XXXX XXXX charged {$39.00} late fee.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its mu understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. 

The Variance in reported balances across different credit bureaus highlights non-compliance with 15 USC 1681e ( b ) XXXX report : XXXX  - Account # XXXX, High Balance {$XXXX}, Date Opened XX/XX/XXXX, Balance Owed : {$XXXX}, Closed Date : XX/XX/XXXX, Payment Status : Collection/Charge-off, Past Due Amount : {$XXXX}, Last XXXX, Payment Amount : {$XXXX} XXXX report : XXXX - Account # XXXX, High Balance {$XXXX}, Date Opened XX/XX/XXXX, Balance Owed : {$XXXX}, Closed Date : Not Available?, Payment Status : Collection/Charge-off, Past Due Amount : {$XXXX}, Last Payment : {$XXXX} as of XX/XX/XXXX Equifax report : XXXX-XXXX  - Account # XXXX, XXXX XXXX XXXXXXXX}, XXXX Opened XX/XX/XXXX, Balance Owed : {$XXXX}, Closed Date : Not Available?, Payment Status : Collection/Charge-off, Past Due Amount : {$XXXX}, Last XXXX, Payment Amount : {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a consumer by the law and my information was misused and now I have some false and no 100 % accurate accounts on my credit report.
Product: Debt collection

Medical bill for injury. Two dates- XX/XX/XXXX and follow up XX/XX/XXXX. Insurance company paid which left a co-insurance payment of XXXX. Did not receive bill until XX/XX/XXXX. Promptly paid by check on XX/XX/XXXX. Check cashed by XXXX ( urgent medcal ) XXXX transferred the debt to a collection agency Kross, Liberman & Stone on XX/XX/XXXX who has been calling non-stop threatening to ruin credit, future job employment and court action. Collection agency is asking for {$150.00}. XXXX confirmed on XX/XX/XXXX that check was cashed to their XXXX XXXX account on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Debt collection

I found a credit report entry earlier this year while attempting to get a mortage. I have no idea what this debt is for and the company has not provided a verification of the debt. At the suggestion of my mortgage officer since the amount was relatively low I offered to pay a settlement in exchange for this debt to be removed from my credit report. I never acknowledged that this was I debt that indeed belonged to me. Enhanced Recovery refuses to admit that they have received written requests for debt validation and ignored them. When I emailed the settlement offer that is when they finally responded saying they would get back to me after they check with their client. THis company is a total scam and has had many complaints submitted against them for their debt collection practices. I am considering taking legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, The list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 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 
Has violated my rights.. 
15 u.s.c. 1681 section 602 A. State i have the right to privacy.

15 u.s.c. 1681 section 604 A. section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681 C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information / other than records of conviction of crimes witch antedates the report by more than XXXX XXXX 
15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/2018 - XX/XX/2018. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an old account that keeps appearing my credit report and shouldve been removed.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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
Product: Credit reporting or other personal consumer reports

TD BANK USA/TARGETCRED fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). TD BANK USA/TARGETCRED is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Money transfer, virtual currency, or money service

On XX/XX/21, XXXX XXXX ( XXXX USD ) was wire transferred to Transferwise. Transferwise claimed they did not receive this transfer. I inquired with both my bank and Transferwise. I forwarded Transferwise the copy of the receipt from XXXX XXXX  XXXX showing that the wire was, in fact, sent from XXXX XXXX XXXXXXXX to Transferwise. Transferwise continued to claim they did not receive the transfer. Trasnferwise then returned XXXX XXXX ( XXXX USD ) to my account on XX/XX/21. I am due XXXX USD to my account. My bank has not charged fees for the wire sent nor received. Please advise.
Product: Checking or savings account

I am writing to express my extreme dissatisfaction with the service I have received regarding my XXXX savings account. My account has been locked for two weeks now, and despite multiple calls to customer service, the issue remains unresolved. 

XXXX of Events : XX/XX/XXXX : I called customer service and was informed that my account was locked due to identity verification issues. I was told that an affidavit of identity would be mailed to me within 7-10 days. 

XX/XX/XXXX : I called again to follow up and received the same response as before, with no new updates or solutions offered. 

XX/XX/XXXX : Despite waiting for the promised affidavit, I have yet to receive it. Another call to customer service yielded the same response as my previous interactions. 

I have approximately {$15000.00} in my account, and the fact that I am being withheld access to my own money is unacceptable and highly concerning. This situation not only disrupts my financial planning but also erodes my trust in XXXX as a reliable financial institution. 

I demand immediate action to resolve this issue. Please expedite the process of sending the affidavit of identity and unlocking my account. Failure to do so will force me to consider alternative actions, including filing a formal complaint with regulatory bodies and seeking legal advice.
Product: Debt collection

I was contacted about one account from an apartment that I paid off, and as soon as I paid it they attached an account that I was not associated with for an additional {$610.00}. I told him I didnt owe that, my name was not on that account, and they need to remove it off of my credit. They refused to, stating that they knew that I lived at the apartment ( even though my name was never on the lease ). Im not even sure if that is legal to attach a debt I was never connected to because the account holder was a girlfriend at the time. Because I need to move, I wanted it off of my credit. I asked that it be removed off my credit and whomever the account was associated with, and was transferred to the operations manager, XXXX XXXX, who immediately was loud, abusive, and rude, stating that he was sending a letter of deletion for both parties as a courtesy and if I did not tell him what card I was paying with, and if I didnt pay he would disconnect the call, and I would be free to call back and pay without getting the account deleted. The second I told him I had already planned to pay and told not only him but his other coworker who manage my account that I was paying and just wanted to get the letter, he continue to cut me off and yell. The second I told him I would give him my card information he immediately changed his tune, took my information, and immediately hung up. I understand that collections can be seedy at times and dealing with the public that owes debts can be frustrating but I have dealt with not only him, but other account managers being EXTREMELY rude right off the bat. I have been threatened multiple times that my credit would suffer if I did not pay the full amounts. I am beyond livid that I wasnt even given the courtesy of a civil conversation and I am essentially being backed into a wall and forced to pay them money I should not be responsible for. This is one of the worst companies I have ever dealt with and I dont know how they are still in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

With respect to XXXX XXXX : 15 U.S. Code 1681, being a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/2023, there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. 
Within 30 days from receipt of this letter, insured and tracked by USPS, the following information needs to be omitted. Please note upon completion of the request, a new updated copy of my consumer report should be mailed to the mailing address : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. 
Omit the following names as my TRUE name can be verified on my supporting identification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Omit the following inaccurate addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PA XXXX Omit the following telephone numbers as none are listed at a public record and I have not consented to its recording : 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  Omit the following employers. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Money was being taken from account that I couldnt get back due to the restrictions and I didnt have the valid information needed at the time.
Product: Mortgage

My husband, who died on XXXX XXXX, XXXX, took out a home equity line of credit which was used to back the mortgage on a cabin. The loan became due on XXXX, XXXX, XXXX. This loan was executed prior to our marriage and I am not on any of the title documents. However, I have in good faith paid the monthly interest, maintained the property, and worked diligently with a realtor to try and sell the property ; which is underwater by approximately XXXX XXXX dollars. I hired an attorney hired to represent me as no one was in the bank mortgage department would interact with me, other than through past due notices and written requests to provide letter of testamentary. In the meantime, several cash offers have been made on the property, after 2 1/2 years of no offers, and the bank has still not responded as to their intention. I am now receiving monthly past due notices and no one from the bank has contact either myself or my lawyer.
Product: Debt collection

I had a credit card which was closed because of the coronavirus, unemployed, and the limit of the credit card exceeded amount of {$400.00}. My limit was {$2500.00} so the credit card company closed the card and offered me a settlement plan for the amount. There was 3 kinds of plans they offered me, but i prefer the plan of paying {$1600.00} in 3 different months of which monthly would $ XXXX monthly. I started paying on XX/XX/XXXX for the first payment. The second payment i payed on the XX/XX/XXXX because the bank was closed on the XXXX ( it was Sunday ). The third payment is the last of the {$1600.00} i was to pay on the XX/XX/XXXX but unfortunately i went to the bank to pay and the bank was closed because it was the XXXX XXXX XXXX holiday. So i called the bank someone told me the department of settlement didn't work on that day because of the holiday. The lady i was talking to gave me the number of the collection team and there was no reply from them. I called on the XXXX they answered the phone and when i submitted my information and was ready to pay so that i can be free from Wells Fargo they say " payment denied '' i asked them why they said " you failed to pay on the XXXX '' then i told them " i never failed to pay, you failed to collect '' now they transfered me to the head office and nothing was done for me. They said all the money i payed previously has no value anymore and that i have to start a fresh settlement of {$1700.00}. So those people were very unfair i got a Wells Fargo case number. My case number is XXXX. Nothing was done for me and the last word from the big boss was " nothing can be done for you ''. So I'm crying to the government to help me through this unfair situation because they told me to pay {$1700.00} extra and i don't have the money for that. I hope you can help me through this situation. Thank you very much. 
-XXXX  XXXX XXXX, XXXX - #, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I see 90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.