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

I recently contacted the company with which I hold a loan in order to explore refinancing options. During the call, I was advised to log into my Experian account to unfreeze my credit. However, I encountered difficulties as my password was deemed incorrect. After selecting the " Forgot Password '' option, I was directed to provide my username. Upon entering my username, I was then prompted to input my date of birth and full Social Security number, but the system indicated that this information did not match my username. 

In an effort to resolve the issue, I returned to the main page and selected " Forgot My Username. '' This led me to a different page requesting my phone number. Upon submission, the system stated that the number did not match their records, despite the fact that I have not changed my phone number in several years. 

Subsequently, I called Experian 's customer service number XXXX. The automated system confirmed that my phone number matched their records and indicated that my credit was already unlocked. However, I was unable to connect with a live agent, as there was no option to speak with XXXX, and the call was disconnected. 

Considering the possibility that my account might indeed be unlocked, I reached out to my other loan company, which informed me that my account was still locked. On XX/XX/XXXX, I attempted to call Experian again and explored every available option. My loan company even provided me with a screenshot confirming that my credit remained locked and that they could not assist further. 

Seeking alternate support, I called a different number ( XXXX ) XXXX and successfully reached a representative. Unfortunately, I was then transferred to another line intended for businesses, where I waited over an hour to speak with another agent. After explaining my situation, the agent suggested that I call ( XXXX ) XXXX. I inquired whether this number would lead to the same automated system, which cuts off calls, and was advised that it would not. 

However, upon dialing, I was again directed to the same automated system and continued to experience challenges accessing my account. Furthermore, I conducted some research regarding Experian and noted that numerous individuals reported similar issues, including possible unauthorized access to their information, which hindered their ability to reach a live agent. 

Compounding my concerns, I am now also unable to access my medical insurance account with XXXX, which I have successfully used in the past. The system states that the information I provided is either incorrect or that no account exists under my credentials. I appreciate any assistance you might provide in resolving these matters. Thank you.
Product: Credit reporting or other personal consumer reports

I asked that they reinvestigate, XX/XX/XXXXandXX/XX/XXXX on my report. Now according to FCRA you all supposed to make sure information in consumers profiles are reporting accurately. Can you explain how a charge off is 100 % paid off with a {$0.00} balance be a charge off with a {$0.00} balance. Someone is clearly not doing there job and this inaccurate information should definitely be deleted from my profile if it is paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is violating XXXX of my federally protected consumer rights. They have been for over a year, they also put a judgement against me while serving XXXX people that werent me. They are also reporting to EXPERIAN XXXX and XXXX negative remarks regarding me, which is defamation and it is infringing my right to extend credit and i have received medical conditions as a result of the stress and deceitful practice by this Consumer Reporting agency XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received about XXXX marketing offers from American Express throughout 2021, explaining that I was pre-approved for an account with them. 
I applied for an American Express account on XX/XX/2021. I received notification that I was approved for an account, and that a new card was coming to me. I received a notification of account cancelation on XX/XX/2021. On XX/XX/2021, I received the card in the mail and attempted to activate the card. I was unable to activate the card, as I had expected due to the notification I received in my email on XX/XX/XXXX. I spoke to XXXX different representatives, who all told me that they would be unable to remove the credit inquiry from my report as I had requested. My issue is that I was misled by American Express into believing that I could open an account with them again, because they sent me many pre-approved marketing offers. If they had banned or blacklisted my account for a period of time, or permanently, then I should have received information explaining that if I apply for an account again, I will not be approved and my account will automatically be closed. I would like American Express to remove this credit inquiry from my report as they purposely misled me into applying for an account when they had no intention of honoring the offer.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have experienced multiple violations of the Fair Credit Reporting Act ( FCRA ) concerning inaccurate and unauthorized information being reported on my credit report. These violations include failure to properly validate debts, inaccurate reporting of late payments, improper handling of personal information, and unauthorized credit inquiries.

Under FCRA Section 616 ( 15 U.S. Code 1681n ), I am entitled to civil liability for willful noncompliance, and I have requested that the credit reporting agencies and debt collectors provide proof of the alleged debts or remove the inaccurate information from my credit report. In addition, under FCRA Section 603 ( d ) ( 2 ) ( A ), they failed to disclose my right to opt out of sharing my personal information, which is a violation of my consumer rights.

I have also requested that specific collections accounts be validated in accordance with 15 U.S. Code 1692g, and if the debt collectors can not provide proper documentationsuch as the original signed contractthey must remove these items from my credit report. Additionally, there have been unauthorized hard inquiries made under 15 U.S. Code 1681b ( a ) ( 2 ), and I have asked that these be deleted as well.

Due to the failure to resolve these issues in a timely manner, I am prepared to pursue legal action as allowed by the FCRA, including seeking damages for the violations that have occurred.
Product: Credit reporting or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX, 2016, I submitted a home equity payment to a Charter One Bank Account that had been closed for 15 years. Realizing my mistake, I notified, on XXXX XXXX, Citizens Bank, who had purchased Charter One Bank, but they could not locate the check. I submitted all documentation they requested ( proof of electronic payment made and cashed from my XXXX checking account ). See Attachment. XXXX also issued a case number XXXX and contacted Citizens on my behalf. After hours of conversations with bank personnel, I endured a quagmire of misinformation and constantly found myself back to square one. Finally the check was found on XXXX. I was issued Citizen 's case number XXXX and told the check would be mailed out in three weeks. On XXXX XXXX, I was told the check was sent out and would be received in 3-5 days. The check did not come and after another call a manager, XXXX, told us the check would be sent out XXXX and to allow TWELVE DAYS for delivery. To this date I am not in receipt of any funds. This has been an aggravating and costly ( emotionally and financially ) experience involving either incredible incompetence or out and out lying. The bottom line is that a reputable institution would have immediately returned a check written to a defunct account in the name of a non-existent bank. Citizens Bank has had XXXX dollars for 50 days to this point and has not made a good faith effort to remedy the situation. Again, I have yet to receive reimbursement and all but one phone call was made by me to their institution. I think their shoddy, questionable banking practices warrant investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these inquiries ( A ). It is not permissible to fail to validate these reporting inquiries as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

Good morning, I retrieved my credit report and credit score from the annual credit web site. I called Coamerica Bank and spoke with XXXX XXXX from the HELOC department and informed her that my credit scores is XXXX and I have declared bankruptcy 5 yrs and I have a discharged 4 years ago. I informed her numerous time what was Coamerica credit scores criteria and bankrupcty criteria as I was interested on a HELOC for $ XXXX ( my primary house value is {$370.00} ) the CLTV would be 35 %. She mentioned in order to know if Coamerica would accept it, I would have to apply. I did and after 10 days, Coamerica denied my HELOC based on these issues. I could have prevent it and although is minor, it would n't affect my credit scores nor taking her time, nor mine. My issues is to either coach and train the employees at Coamerica so any future consumer will not go through the aggrevation. The disclosures are great however ; product knowledge from the initial contact would be better as the consumer would know whether to proceed or not. 

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

On XX/XX/XXXX, XXXX XXXX XXXX DO illegally sold my medical information to Quality Asset Recovery in the amount of {$780.00} violating my rights under the hipaa laws required to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. This office is now permanently closed. 

On XX/XX/XXXX XXXX XXXX XXXX Bank and XXXX illegally sold my information to XXXX XXXX XXXX in the amount of {$760.00}. I dont even know who the original creditor is to have a debt with them. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX illegally sold my medical information to XXXX XXXX in the amount of {$77.00} violating my hipaa laws required to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge.
Product: Checking or savings account

Wise prompted me several times to go through an appeal process after a month of raising the first appeal, holding my money for more than a month and finally refunded it partially, surprisingly for reasons that was never communicated to me. This is totally unacceptable The company ( Wise Inc ) has not fulfilled all my requirements and has based their conclusions based on their own hypothesis/assumptions, without following the normal standards and procedures which are agreed in the customer agreement. I have briefed below the points in breach by Wise Payments : 1 ) Wise has listed the potential reasons of account closure ( 4 reasons ), however, they didn't elaborate which reason in specific is related to my case or how they arrives to their own conclusion. They claim that the " way how they are regulated '' prevents them from discussing this forward. This is totally random and against the industry best practice. Moreover it diminishes the basic customer rights inline of financialregulations worldwide. 

2 ) Wise decided to act on their own discretion to " refund '' senders in response to disputes raised by them pertaining transactions XXXX from XXXXXXXX XXXX ( XXXX XXXX  ) & XXXX ( XXXX XXXX ). They performed the refund from " my account '' without intimating me, raising specific questions as to why or how I received these funds or what I have provided in return and/or without a court decision to perform this action! This is totally unacceptable and reflects a discrimination against their own clients, aligning with " potential scammers '' without proper reasoning or justification. These transactions took place as a trade of virtual assets/crypto ( XXXX/XXXX ) on a peer-to-peer platform. Screenshots of the completed trades and/or my conversation with the buyers ( who turned out to be scammers have been sent to Wise Payment 3 ) While I am now in loss of ( XXXXXXXX XXXX ) due to the random illegitimate action of Wise Payment performed on my account, Wise is offering in a return a compensation of {$150.00} for the damages impacted me and my family due to the delay and unprofessionalism of their action!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed on XXXX there are items reported on my credit profile, I did not take charge.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS STOLEN WHILE ATTENDING A XXXXXXXX  EVENT. I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED ACCOUNTS THAT ARE NOT MINE. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS. I HAVE NOT AUTHORIZED ANY OF THIS INFORMATION TO BE REPORTED TO MY PROFILE. I NOTICED SOMEONE HAS BEEN ATTEMPTING TO GAIN LINES OF CREDIT IN MY NAME. IVE CONTACTED THE CREDIT BUREAU TO NOTIFY THEM OF THIS ISSUE WITHOUT A FORMAL RESPONSE. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED WHICH IS IN VIOLATION OF 15 USC 1681B FUTHERMORE, FURNISHING THIS INFORMATION TO MY PROFILE RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

They're are these Hard Inquiries on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX  XXXX XXXX These are all wrong , and I wasn't made aware of till now and it Is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until Jun 2022 700 XXXX  XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations XXXX addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} XXXX Closed. {$590.00} written off. 
XXXX XXXX BANK Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1800.00} XXXX XXXX account. $
Product: Debt collection

I have a common maiden name. I got married in 2008 and am now under a different name. For the last several years my mother has been getting phone calls from Navient trying to collect a debt of someone with the same maiden name as I had. She has told them repeatedly that it 's not me who owes the debt. I have called to speak with them and they told me that my social security number and birthdate do not match the person that owes the debt. But somehow my parents ' names and their phone number and my current address are linked to this other person. They told me that they could clearly see that the debt is not mine since it is not my SS # and birthdate. I asked if they could stop calling my parents ( at times the calls have been borderline harrassing ). Navient said they would put a note attached to their # saying to not call it anymore. I had this same conversation a year ago and the calls started up again. They recommended I call the credit bureau to make sure that my credit scores have not been affected or that this other person is using some of my information. As far as I know, I still have a good credit score. I have to still call the credit bureau. I 'm not sure how to make theses calls stop or how to get my parents ' # and names and my current address unlinked from her.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Credit Collection Servic, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

I am attempting to use the XXXX app however PNC has apparently blocked me from being able to link my bank account to that app.
Product: Debt collection

This company XXXX XXXX XXXX is using some real shady tactics here, let me tell you. I found out about this debt from my credit report. I was never ever informed on this debt, I have n't needed XXXX XXXX since I left a fixer upper home in XX/XX/XXXX. Somehow the new tenants got the power back on in my name, probably because bills were still coming there for power.I have contacted XXXX and they will do zero to fix this, said to call the cops. I did and they said it was 7 years ago so they cant do anything. This was put on my report as current, and went delinquent in XX/XX/XXXX. Which in fact is false. It went delinquent in XX/XX/XXXX. I disputed this charge, said the balance history was incorrect. They updated and said it is not. It is not fair that these companies can out and out lie when you dispute things. If this is not fixed or deleted I will be contacting a lawyer for damages. a XX/XX/XXXX delinquency hurts my credit FAR MORE then the correct age of XX/XX/XXXX. This is not fair to the consumer and they should be fined!!!!! I have called them even to notify them of their error and they refuse to fix this. The below Bill shows my last payment was XX/XX/XXXX and they said it was partial. Acct was put delinquent XX/XX/XXXX Power was Shut off and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The list of accounts below has violented my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
~XXXX XXXX XXXX : amount XXXX opened : XX/XX/XXXX ~XXXX XXXX : amount XXXX opened : XX/XX/XXXX ~XXXX XXXX XXXX { XXXX XXXX } amount XXXX opened : XX/XX/XXXX ~XXXX XXXX  { XXXX XXXX XXXX  } amount : XXXX opened : XX/XX/XXXX I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete as well as not accurate. According to the fair credit act whenever a consumer reporting agency prepares a consumers report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report is related. According to the 15 USC 1681 { e ] [ B ]. and according to the 15USC 1681 [ 5 ] they are supposed to do this [ 5 ] treatment of inaccurate or unverifiable information [ A ] in general [ 1 ] of any information disputed by a consumer. An item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file the consumer or modify that item of information. As appropriate based on the results of the investigation an [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from that consumers file. Also according to 15USC 1681 2 they are supposed to not furnish any information relating to a consumer, or to any consumer reporting agency if the person knows or has reasonable cause to believe that the inforations is inaccurate to the rescourse.
Product: Mortgage

REVERSE MORTGAGE SOLUTIONS IN XXXX TEXAS, XXXX N.C, HAS ADVERTISED OUR HOME TO BE FORECLOSE ON XX/XX/XXXX, XXXX XXXX XXXX, XXXX, MS , XXXX AND XXXX XXXX// THET SAID WE DID NOT SEND CERYIFICANT OF OCCUPANCY LETTER, AND PROFF OF RESIDENCY BY WATER AND LIGHT BILLS/HAVE LIVED IN THI HOME SINCE XX/XX/XXXX/HAVE FAXED DOCS 6 TIMES, MAILED LETTER 2 TIMES/ DIFFERENT CASLLS SAY THEY DID NOT RECEIVE THEM, OR WRING FAXES, OR WRONG ADDRESSES/TIME IS UP/MUST HAVE PROOF FORECLUSYRE HAS BEEN CANCELED, STOPPED/XX/XX/XXXX/XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS ,XXXX//EVEN GOT ANOTHER LETTER FROM RMS ASKING FOR CERTF OF OCCUPANCY LETTER/GETTING XXXX XXXX AROUND AND I SUSPECT FRAUD/THANKS FOR INMMEDIATE HELP ON MONDAY/XXXX XXXX XXXX
Product: Debt collection

COMENITY CB # XXXX is reporting a collection with a XXXX  balance on my credit report. I have reached out numerous times to have this deleted from my credit report due to it being a debt that is not owed. I have attached the credit report reflecting this account.