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

I am sending this complaint because I still believe there are some errors on my credit. I would like Credit Bureaus to verify the information below and verify that its not untimely, inaccurate, unverifiable, or incomplete. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) Please evaluate the following items : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; NOXXXX XXXX Balance Owed : {$0.00} ;
Product: Credit card

After receiving an XXXX charge to my Discover card account ( a charge not initiated by me ), I found out from XXXX that an old, supposedly " inactivated '' Discover account was being used for this bogus charge. Upon contacting Discover to find out why they allowed a charge to go thru on an " inactivated '' account number, I found out that their SOP is to allow charges from " frequently used vendors '' to roll forward from a card number they ( Discover ) told us in the past they had dis-activated. I further discovered that the account number this XXXX charge initiated from was a Discover account that we had 20+ years ago! So, without our knowledge, Discover was allowing charges made with card numbers they told us were " inactivated '' to roll forward, apparently thru several " inactivated '' numbers to finally be completed with our current card number! What does the term " inactivated '' mean??? To me, the consumer, it means that number is NO LONGER VALID for purchases. But, Discover allows purchases to be made from " frequently used vendors '' even though the actual customer may be bogus! Why are they allowed to do this and, more importantly, why do they not tell the consumer that when they " disactivate '' a card number, they will continue to allow charges on that number! This is very dishonest and seems like reverse-consumer fraud from the credit card company itself.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I sent Equifax a statement explaining every violation in my complaint. I also included a copy of my social security card, driver 's license & utility bill. Please review the attached documentation. I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports. The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so Equifax is required to make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations. All information must be reported accurately and according with Metro 2 regulations or else the reporting agency can face fines, so the reporting agency is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why Equifax and the company who provided the data to Equifax to consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that Equifax verify permissible purpose was provided for each account and inquiry.
Product: Student loan

I originally had a XXXX % fixed rate student loan with Discover Student Loans. The firm last week arbitrarily changed the loan to a variable rate loan without notice. They raised the interest rate to XXXX % raising my monthly student loan repayment amount from ~ {$1100.00} to {$1600.00} per month.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, MN XXXX Account # : XXXX Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the XXXX. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 

Thank you for your immediate cooperation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against TransUnion XXXX XXXX. I have sent a letter disputing accounts that are being reported inaccurately on my credit report. I have also sent them a second follow up letter. As I'm filing this complaint, they have not provided anything information regarding the investigation. As matter of facts I have no response what so ever from TransUnion XXXX XXXX.
Product: Debt collection

I have never had a XXXX credit card. When contacted about the debt I replied I was not my debt. They never responded or validated the debt. Instead they reported it to all the credit bureaus after I stated it is not my debt. They robo called myself and my 2 sisters, 3 nieces and parents claiming they are looking for me in conjunction of a lawsuit. 
I have the call taped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to all  XXXX  credit bureaus reporting hard inquiries that I did not authorize. While I did purchase a vehicle back in  XXXX  of 2016 I should have not been dinged for that many hard inquiries for a one time purchase. I have asked them to remove or provide me with my signature showing authorization was allowed but none of the companies can do this and all   XXXX   bureaus refuse to remove the unauthorized hard inquires on my report.
Product: Debt collection

Portfolio Recovery Services is trying to collect on a debt outside statue of limitations. Over 12 years old. 

They repeatedly call, and spoof new phone numbers everytime they call to pretend to not be Portfolio Recovery Services. 

I have told them over 50 times to not call, and they continue to call from spoofed numbers at all hours of day and night. 

They have literally called me from 50 different numbers.
Product: Checking or savings account

I went in-branch to open a checking account and they assured me that they could match {$600.00} bonus offered online. XXXX XXXX  XXXX I checked via online messages and they said I qualified repeatedly. I still wanted to make doubly sure and then they said no. It seems the in-branch person was misinformed or misled me.
Product: Checking or savings account

I was lock down overseas due to Coronavirus pandemnic my StateFarm account was unauthorized charge {$50.00} by merchant company called XXXX a merchant account that is closed. 
The {$50.00} debit from close XXXX return to State Farm account and State Farm close my account checking account saying - {$25.00} owned and reported the account to XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : 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 XXXXXX/XX/year>
Product: Credit reporting

While reviewing my TRANSUNION credit report, I noticed an unauthorized and fraudulent inquiry conducted by XXXX, on XXXX/XXXX/2015. I did not authorize this inquiry and this gross negligence on the part of XXXX employees is a serious breach of my privacy Act and in violation of FCRA Section 1681 b ( c ). 
I did not sign any written consent authorizing employees of XXXX to view my credit report for any purpose, thus, the inquiry was an illegal conduct.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I submited multiple documents and made multiple calls about the many mechanical issues with my XXXX XXXX XXXX. The car was causing me to spend thousands of dollars and made it difficult for me to keep up with my payments. On XX/XX/XXXX, I called a few times over the course of a month to ensure that my car was voluntarily repossed after I got another car. They have been continuously reporting this car as a regular reposession with a current balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Throughout the last year in a half, I have sent out a number of letters regarding this matter, and recently, on XX/XX/2022, I sent a letter regarding errors on my credit report. Despite over XXXX  days passing, I have not yet received a response. There is a sense that I am being taken advantage of and ignored by my disputes. It is clearly stated in Section 611 ( a ) that a failure to investigate these items within XXXX  days constitutes grounds for immediate removal from my credit report. There has been no activity for over XXXX days, so it should be immediately deleted. If these accounts are not deleted immediately, I will file a lawsuit based on the stress you have caused me. At this point, I am ready to send it through and proceed with the lawsuit. I was also affected by the XXXX data breach and my information has been misused.
Product: Debt collection

On XX/XX/XXXX via certified/return receipt mail, Capital One Auto Finance was issued a cease and desist regarding the continued collection of an auto loan which was fraudulently established. 

On XX/XX/XXXX, Capital One Auto Finance responded with both a copy of the fraudulently established contract and a copy of my account history indicating that this was the information requested. My request was gravely misunderstood or grossly disregarded. 

On XX/XX/XXXX, I responded to Capital One Auto Finance, via certified/return requested mail, with a 30 page packet which, in addition to the payment history sent to me and labeled as XXXX XXXX XXXX, included : XXXX XXXX XXXX Rescission of Contract sent to XXXX XXXX XXXX XXXX XXXX Demand for down-payment/trade-in value sent to XXXX XXXXXXXX XXXX XXXX XXXX Federal Trade Commission Dispute Letter/Notice to furnishes of information XXXX XXXX XXXX Identity Theft Report XXXX XXXX XXXX Complaint to Texas Attorney General XXXX # XXXX XXXX  Complaint XXXX XXXX  XXXX Credit Report showing Capital One Auto Finance account listed XXXX XXXX XXXX Cease and desist XXXX XXXX XXXX Copy of contract Capital One Auto Finance, operating in collaboration with XXXX XXXX has yet to respond to my request and has subjected me to organized crime. 

Organized Crime is defined as : criminal activities that are planned and controlled by powerful groups and carried out on a large scale.
Product: Debt collection

XX/XX/XXXX {$740.00} Never opened account with this company in XX/XX/XXXX ... ... I have tried several times to dispute this account but nothing works ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 1965, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my personal information has been compromised as a result of various data breaches, including the XXXX data breach, incidents involving the XXXX web, and other data breaches. These breaches have put my sensitive data at risk and have the potential to result in identity theft and fraud. 

According to various laws and regulations, such as the Fair Credit Reporting Act ( FCRA ), organizations like Trans Union are required to take necessary steps to protect consumer information and ensure its security. The unauthorized access to my data through these breaches raises serious concerns about the security measures in place and the potential impact on my financial well-being. 

Given the severity of these breaches, I request that Trans Union thoroughly investigate this matter, provide me with information on any suspicious activities related to my credit report, and take appropriate actions to safeguard my information moving forward. As a consumer, I rely on Trans Union to uphold its obligations under the law and protect my data from further unauthorized access. 

I appreciate your prompt attention to this matter and look forward to your response outlining the steps taken to address the compromised information. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX  - Experian LACK of Customer Support My daughter recently turned XXXX and I encouraged her to put a freezer on her credit reports with the XXXX XXXX, XXXX, and Experian. She followed the steps to do so. The process with Experian was extremely cumbersome compared to the other two and required upload of various documentation providing proof of residence, etc. This was not a problem. Upon completion of processing this paperwork, Experian sent her an email requesting that she " Complete the setup ''. This required login to their webiste which immediately transferred her to a request for a credit report, which was not of interest. The website did not allow any other options at all. So, following this request process led to a system problem claiming they could not verify her identity and she must call. The website completely blocked any other options. The only choices were to call or go back, login again, and fail to get a credit report. Upon calling, their automated phone system refuses to allow any access to a customer service representative. There are zero options to talk to a person. In fact, they specifically deny this and explain that you will not be allowed to talk to a human. Their automated phone system literally hangs up on you when it determines you are not meeting its rigid demand for options it would like you to follow. My daughter remains unable to use their website for any actions and this seems unresolvable since there is no method to get assistance.

I work in software for a living. This is possibly one of the worst interfaces I have encountered for a business, especially one so large and important as a credit agency like Experian that shepherds our credit reports, freezes, and general security against identity theft. Furthermore, it is my professional opinion that this is not simply poor design. It is deliberate obfuscation. I do imagine that to purchase products from them and give them money would be a significantly easier process. Simply unacceptable.
Product: Debt collection

I received a bill from you on [ XXXX ] and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ XXXX XXXX ], but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Product: Credit card

Second complaint regarding Citi 's practice of not crediting payments. I made a payment through Citi 's website -- - They took the money out of my checking account and placed a hold on the payment. The payment was made on XX/XX/year>, and my balance will be available on XX/XX/XXXX. I have called Citi to find the best way to make a payment. They were not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with customer service on multiple occasions to get validation of inquires that have been placed on my report. I have also attempted to contact some of the companies that are listed on my report as inquires but have had no success. The customer service reps have been unhelpful in assisting me in removing duplicate and inaccurate inquires and constantly transferring me to multiple representatives resulting in no correction. Please validate the inquires listed on my credit report or remove them within 30 days as some sure have been added in error or without authorization.
Product: Checking or savings account

I am writing to file a formal complaint against Chase regarding an unresolved issue with a refund and their refusal to provide me with necessary information following the closure of my account. 

XXXX XXXX attempted to process a refund of {$3700.00} to me on XX/XX/year>, This transaction was associated with a Chase debit card that, along with my Chase account, was closed in XX/XX/year>. Although my accounts were closed, XXXX XXXX insists that the transaction was successfully processed, leading to uncertainty about the whereabouts of these funds. 

Despite repeated attempts to obtain information and assistance from Chase, they have refused to provide any details, citing the closure of my account as the reason for their inability to discuss the transaction. This lack of transparency has left me without access to funds that XXXX XXXX  has tried to refund to me, causing significant inconvenience and financial strain. 

I am requesting the assistance of the CFPB to investigate this matter and to help facilitate a resolution where Chase can confirm the transaction details and ensure the funds are either returned to XXXX XXXX  or directed to me through an appropriate method. 

I appreciate your attention to this serious matter and look forward to your support in resolving this issue. 

Thank you for your assistance.
Product: Debt collection

I was a victim of identity theft, and somehow they are leaving the debt on me. My daughters social security was also stolen, and some one also opened a credit card under her name. XXXX XXXX. The individual who opened the account ( s ) must have stolen my identity or got my information via dark web.
Product: Debt collection

I send Nationstar a debt validation letter on XXXX and i did not get any response, i send them a reminder on XXXX and still no response even though under law they have to respond. 
I called them on XXXX and they would not give me any information. 
Please help, i need this information for my litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Product: Mortgage

PennyMac has continued to hold my insurance settlement hostage for my kitchen remodel after submitting multiple contracts to PennyMac and being told on XX/XX/2019 that everything was being " processed '' and waiting for PennyMac to reach out to the contractors to collect any information so that my kitchen can be completed. Their POC XXXX XXXX has habitually and maliciously ignored and lied and has made it a point to stall payout while profiting off stolen interest on consumer insurance settlements as numerous other consumers have formally complained on numerous complaint websites.
Product: Credit reporting

Equifax 's online system failed to temporarily lift my credit freeze, for both myself and my wife 's accounts using the valid XXXX digit pins we were previously issued. XXXX and XXXX both worked fine the first time. Additionally, Equifax has no alternative options on the weekend to lift the freeze and maintains limited phone support hours during the week. The last time I had to temporarily lift a credit freeze they also mis-managed the situation and made it difficult. 

Equifax is a poorly run credit bureau and I hope that they will cease conducting business and be replaced with a reasonably well managed and deserving alternative.