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

My personal information has been compromised by XXXX data breach as well as XXXX XXXX XXXX XXXX  Ive also had fraudulent accounts open with XXXX XXXX that Ive been disputing for years. All of the accounts keep coming back verified with no proof of how it was verified. Ive never signed or gave anyone authorization to use my personal information. Ive had a fraud alert on my consumer report for years and still someone was still granted credit using my information Other accounts like the student loans are inaccurate and not reflecting the payments or correct balance. XXXX XXXXXXXX XXXX XXXX was auto dealer fraud that I reported to the state of Missouri, XXXX and CFPB. I have yet to be provided with proof or a signed agreement for XXXX XXXX XXXX I have rights as a consumer and late payments right to privacy 15 USC 1681 Data Breach 6:05 b should be acknowledged
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX I sent certified letters to Equifax for two accounts listed on my credit profile. I mentioned that both the accounts werent mine. I also mentioned that the accounts seemed to be fraudulent erroneous and I sent in documents to present to show and the account was removed but following the next couple days the accounts were listed onto my credit profile. I believe that is completely violating my rights as a consumer and that could place this company or companies in jail for consequences of breaking and violating the law. I can show you how the company violated my rights. The account was placed on my account without my acknowledgment, I wasnt contacted by Equifax, XXXX nor any collections company. I stated and sent in certified verifying documents. You have now violated my rights through the FCRA the debt buyer or CRA have failed to comply with its obligations, I am able to sue for violations of the FCRA. I will be filing a lawsuit looking to get actual damages, punitive damages, and attorneys ' fees and costs of {$1000.00} per item. This is not a threat this is malpractice and violating my rights as a consumer through the FCRA and this matter will be taken up in court. I am only an intern dispute allowing less than 3 days for this matter to be completely and permanently removed and resolved. If you attempt to continue reposting these accounts I will be sure to contact law enforcement authorities, contact my attorney generals office, file more than one lawsuit. The two accounts that were listed and dates incorrectly stating that the account was opened in XX/XX/XXXX and in XXXX of XXXX and it was recently removed. I pay close attention to my consumer report and I receive alerts on my credit file and keep up to date to assure fools like you guys arent trying to dismantle my life placing erroneous debt on my credit file to make my life a living XXXX. I will be sure to place this online so that consumers are able to view this via online. I will also be filing a complaint as well. 1. XXXX XXXX XXXX XXXX, was changed to XXXX XXXX, 2. XXXX XXXX XXXX replaced an account onto my credit file as well. It was placed on my credit by the same collections company and that is a violations. Look at the dates it was removed and how quickly this account was placed back onto my credit profile. Well lets put it this way, this seems like a criminal act upon the credit bureaus and collections company. There was never a document sent to me to verify jack. I kindly ask for any documents bearing my signature a few months ago. Youre also violating my rights within the HIPPA laws as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the status of these items, i believe it was reporting in error. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, we purchased a tractor from XXXX XXXX on an installment loan for $ XXXX/mo for 84 months. We paid {$10000.00} down and have made 30 monthly payments in the amount of $ XXXX/mo.  We initially received payment books from the finance company, XXXX XXXX, however, have received no monthly statements, no year-end statements, no letters, nothing ... since the inception of the loan. 

Today, XX/XX/XXXX, I called to get a payment history/statement, showing interest and extra payments applied, and was told that information is not available. They can only provide a payment history that shows a simple date and the amount paid, with no interest calculations or extra payments applied. I already have a simple list of dates and payments I have paid. I asked to speak to a supervisor, and was transferred to XXXX XXXX, and was told that I need to educate myself on how agricultural loans work. She said they do not have to provide me any breakdown information, that I am responsible for 84 payments in the amount of {$250.00} regardless of the extra payments I have made. The only thing they can provide is an amortization schedule of the original loan plan, not one for the actual payments that I have made. She said that if I need that level of detail, I will have to contact my own accountant and have them figure it out for me! I was completely blown-away by this finance companies standards, or lack thereof. 

I would like a full payment history of my account, including all monthly payments, monthly interest applied, and how extra monthly payments were applied to the loan, so that I can determine if there is a discrepancy in the amount still owed. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, these accounts I had nothing to do with and they are showing incorrectly on my credit report
Product: Mortgage

RightPath Servicing is threatening to place FPI ( Forced Placed Insurance ) on my home after I have provided them with a full copy of my current insurance policy. RightPath claims that two words As walls verbiage is needed SOMEWHERE within my policy and this claim is simply ridiculous and a non-acceptable reason to place insurance on my already insured property. Forced Placed Insurance is a scam used by companies like RightPath to increase revenue on an account and their claim to need As walls is fraud. I have had this same type of insurance on my property for 17 years and there has never been such a claim from a lender or servicer. 
RightPath DOES NOT state where in the policy this lack of verbiage is needed which further proves their attempt to impose unnecessary insurance on my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I have notified experian and they have been negligent and not removed the accounts that I notified them are fraud. According to 15 US CODE 1681C-2 information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency, shall block the reporting of any information in the file of a consumer. I sent in a FTC report via certified mail and it was received on XX/XX/23 and it was neither blocked or removed. When I contacted Experian they said they cant block or remove it because of some internal rules that they wont disclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX  XXXX XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX XXXX Acct No. : XXXX Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XX/XX/XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer XXXX now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Prepaid card

I have a {$50.00} gift card from XXXX I haven't been able to use it at any store so far ( XXXX, grocery stores, etc. ). When I attempted to rectify this by contacting the company, they asked that I verify my identity by faxing my SSN, photo and drivers license. It is ridiculous to ask for this sensitive information in such a insecure manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I was looking over my credit report last month and it 's been over 49 days that I have contacted XXXX and Transunion via USPS to inform them that there are several inquires on my credit report are NOT mine. I am very dissapointed that action had not been taken to remove these items.
Product: Credit card or prepaid card

first complaint XXXX seemed resolved. 

Trying to make my payment again! 
The number they gave to link or add a bank is merely more general instructions for stupid people! XXXX -- XXXX a Joke! I know how to add routing and account number but it fails! I thought for once, you were offering assistance. 

I can not link a bank! I have screenshots. It says " Sorry, we are not able to process your request. '' same as last month! 

I called the auto pay XXXX It says it doesn't recognize my account! I entered all the correct info, many times. It fails! 

I have never had these problems adding a bank in all these years!!!! 

I will not be charged late fees for these problems!
Product: Debt collection

XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX ( XXXX ) XXXX {$23000.00} Amount Reported XXXX 's XXXX XXXX XXXX  XXXX at XXXX XXXX XXXX, XXXX, TX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX  XXXX, PA XXXX According to 15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT LAW, this company was never given permission to report this to my credit. I traded my car in for a car and they scammed me. The motor went out after reporting to them on several occasions that something was wrong with the car after noticing it smoking. I did out of pocket expenses to fix the car nothing could prevent it from going out. I only had the car for two months and the company is giving me run arounds and i gave the vehicle back. Without receiving my old car back and they have the wrong amount that was agreed! I have faced multiple hardships because of this. I cant find a place to stay because they have reported this to my credit! I call them on multiple occasions trying to resolve it with them they send me to voicemail, dont return my calls, they speak to me rude and offer no help!
Product: Credit card or prepaid card

Capital One will not issue a refund on my closed credit card account for up to 90 days, yet I am required to pay every 30 days. This is an unreasonable amount of time. They further refuse to deposit to one of my registered payment accounts which I use to paid the credit card bill.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX Account number : XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : XXXX Account name : XXXX XXXX XXXX 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 XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

Collections USA Inc. failed to notify us within the first 30 days of the debt that were attempting to collect a debt. They did not reach out through any legal channels, and our credit reporting agency had to ask them for contact information in XXXX, after they had the debt for 2 months ( XXXX and XXXX ). The debt was originally brought to our attention when our bank detected it as a fraudulent charge. This debt had already been handled in XXXX through legal channels with my lawyer, and Collections USA Inc. failed to provide any proof of the debt other than that they were sold the debt by my previous land lord. Due to their inaction and the lack of information provided I believe this debt is innacurate at best, and entirely false at worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I reviewed my credit report and found grave errors that the company is reporting to my consumer report as late or missed payments, and because of this I am being discriminated against to extent my credit. The inaccurate consumer reporting is causing great harm to my reputation and injury to my character. This is a violation of FCRA 15 U.S.C 1681 ( 4 ) ( b ) These accounts where never late or missed a payment. I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed. 
Again, I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed within 30 days of the receipt of this letter. 
Equifax XXXX ( Not more than two payments past due ) XXXX  ( At least 120 days or more than four payments past due ) XX/XX/XXXX ( 30 days past due ) XX/XX/XXXX - XX/XX/XXXX ( 30 days past due ) XX/XX/XXXX ( Settlement accepted on this account paid collection ) XXXX XX/XX/XXXX ( Payment after charge off / collection ) XX/XX/XXXX ( Not more than two payments past due ) XX/XX/XXXX ( 120 days past due ) XX/XX/XXXX ( Settled ; less than full balance ) XX/XX/XXXX ( Payment after charge off / collection ) XXXX XX/XX/XXXX ( Paid, was past due 60 days ) XX/XX/XXXX ( Current, was past due 30 days ) XX/XX/XXXX ( 30 days past due )
Product: Mortgage

XX/XX/XXXX I BORROWED {$67000.00} FROM XXXX.. TO THIS DAY THEY HAVE SAID I BORROWED {$210000.00}. MY MORTGAGE PAYMENT WAS {$1800.00} PER MONTH.
I WROTE THEM AND ALSO CALLED THEM AND TOLD THEM I COULD NOT PAYMENT AMOUNT OF MONEY PER MONTH MY INCOME WAS NOT COVERING THAT. THEY TRIED TO FORECLOSE ON ME IN XX/XX/XXXX. I HIRED XXXX XXXX XXXX OUT OF XXXX FL/XXXX XXXX FLORIDA. WE WENT TO COURT OVER THIS MATTER AND XXXX THEN SOLD THE MORTGAGE NOTE TO PENNYMAC LOAN LLC. PENNYMAC CONTIUED WITH SAME PRACTICE THAT XXXX HAD PERFORM CONCERNING HOW MUCH I OWED BACK. THE AMOUNT WAS NOW {$1400.00} PER MONTH. THEY LATER MODIFIED THE MORTGAGE MONTHLY TO {$1100.00}, JUST RECENTLY ( XX/XX/XXXX TO XX/XX/XXXX ) SINCE XX/XX/XXXX I CONTACTED PENNYMAC AND TRIED TO REASON WITH THEM ABOUT THE {$1100.00}. XXXX  BIENG TO MUCH. WED., XX/XX/XXXX IN FORMING ME THAT THEY HAVE SOLD THE MORTGAGE TO XXXX XXXX XXXX CUSTOMER SERVICE DEPT. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX/ PAYMENT OFXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. PENNY MAC TOLD ME THAT EVERY TIME THE NOTE IS SOLD THAT THE BUYING COMPANY ADD TO THE PRINCIPAL MAKING THE AMOUNT OWED GREATER WITH EVERY BUYERS PURCHASE OF THE NOTE. WITH XXXX BACKING PENNYMAC WITH SAME STATEMENT. I WENT FROM BORROWING {$67000.00} TO OWING {$21000.00} PRESENTLY. LOAN # XXXX NOW THE ESCROW THAT I WAS PAYING ING MY PAYMENT HAVE BEEN CANCELED, WITH XXXX XXXX XXXX. IT IS NOW MY RESPONSIBILITY. IF MY ESCROW IS PAYED UPTHEN WHY DID INOT RECEIVE THE OVER PLUS?????
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested reports by clicking on XXXX  on Washington State Attorney General 's credit site. Requested report on XXXX. Requested XXXX report. Made possible error. Did not select XXXX XXXX XXXX as my bank because as far as I know my bank is XXXX XXXX XXXX without the " XXXX ''. Then informed I could not get my report online and I had request a hard copy to be mailed to me. Called XXXX to get a copy. Only options are automated. Ca n't get operator by pressing " 0 ''. At the end of slogging through the data entry and/or voice entry ( half of which apparently could not be understood ), I pressed the wrong number when asked if I was the blind. When asked if I needed a report for the blind I pressed the key for " No ''. No confirmation from them so I am not sure what I will get from them. Next I went back to the XXXX website and went to the " Contact Us '' page. No option for a phone call to a human so I requested the " Comment Form ''.
Filled out the form saying I was not blind and want the report for people who can see. When the comment was submitted I got a reply saying " thank you for your comment '' so who knows if any action will be taken.
I know I am not the only lousy typist out there. Others could easily be caught up in the unhelpful loop. It seems to me that this whole process was set up in a very unhelpful way. It is almost as if they set it up for requests to fail easily. I have seen much better process flows and options for error correction.
Thank you.
P.S. This was all online or by telephone so I have no documents.