23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX A . States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX placed a collection account on my credit report. I request validation of this account as I thought it was not mine. After the 30 day investigation I was sent no proof of validation or any information at all from the company showing that this account belongs to me. I then tried to dispute the information once again and still it was said the FCRA requirements were met on my XXXX report but the company removed the incorrect information from XXXX report. 

The company has not met FCRA requirements and should remove this account information from the other two credit bureaus immediately.
Product: Debt collection

job number XXXX inv # XXXX {$2700.00} previously I had a balance of XXXX and its been going up as I don't take care of it but I am not paying something that I don't owe!! people from XXXX knew my panels were never turned on!!!!! and yet they want money from me I tried taking care of this issue but it seemed they still want to steel my money they are harrasing me and my husband and even my sons they need to stop and now we received call saying to just pay {$500.00} and everything will be closed and some other representatives say pay XXXX and close account!!! I'm tired of them calling me and asking for money I don't owe at the same time being how could I have paid sp much electricity thru XXXX XXXX  XXXX and still owe them too why in the world would I think I OWE THEM! if I have paid my electricity bill thru XXXX XXXX XXXX I need a perfectional investigation to help out and see we are willing to pay them what is real owed to solar city if panels where on for what period of time and an explanation of why we stilled paid XXXX XXXX XXXX and if I need a reimbursement from XXXX XXXX  XXXX back. if you can see I did a claim already and nothing worked! you will find the original statement and balance its not fair to be harrassed like that and pay something you now you just don't owe! reasonable for the time fram saying that panels were on for what they said is $ XXXXNOT {$900.00} OR WHAT THE LAST LETTER IS ASKING FOR. 
nothing was explained thru them everything was more of a hurry to get us screwed in its all supposed to be for a better benefit and saving not money Steelers. they say we need to have panels remove they can come take them away anytime!! if they are just on top of my house for no use never turned on or anything wont make a difference but if they are will to do things right and turn them on and start fresh the correct way a company should specially them being such a big company I have neighbors that are also dissatisfied with them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/2019 went on XXXX  XXXX noticed i got a hard pull from capital one on XX/XX/2019. I did not apply or authorize anything with this company. I called up there customer service and they told me to report it as fraud and thats the only way they can remove it since I don't have a card with them on record from whoever that tried to pretend to be me. Than the hard pull would be removed from cred report agencys within 30 to 45 days.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX XXXX i transferred XXXX from my personal Revolut account into my personal XXXX account number XXXX XXXX, this account was closed XXXX XX/XX/year>, this was sent in error to the wrong account. 
I contacted revolut for help, they said wait 5 working days and it'll be back into your account which i did, there was no credit back into my account. After this time revolut then told me to get in touch with XXXX to recall the money which I've done, XXXX explained they haven't access to a closed account. 

You then want proof of the account being closed, which I've send over with the closing statement as proof. 

This payment should easily be recalled. 
Revolut has written asking the reason why i can't get in touch with the beneficiary and deal directly with them? They are obviously stalling as this is not an error for XXXX to solve, I'm asking Revolut to recall this money which they are not doing. 

I'm reaching you for your help. 

Kind regards XXXX XXXX
Product: Credit card

I purchased a ticket to go to see XXXX XXXX in concert from XXXX. The event was XX/XX/year>. I went to the event and was trying to download the ticket and was never able to do so. I was in line for over and hour trying to do this. A message popped up and said we realize things come up and your not able to attend. Are you able to attend. And it gave me a option of yes or no. I pressed no. Because I couldn't get my ticket. Without it they won't let you through the gate. So I went home thinking everything was OK. I had no idea I was going to be charged since I pressed no and I couldn't download the ticket. I called capital one the day I got my statement they told me I needed to contact the vendor. I did that is when the young lady I spoke with told me they would get their money regardless if I attended the event and started to laugh at me. So I hung up the phone and contacted Capital one. They were absolutely no help. Capital one even admitted to me the ticket had not been downloaded and therefore why would they go with the vendor?
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX 1 ) XXXX XXXX XXXX # XXXX, 2 ) XXXX XXXXXXXX # XXXX3 ) XXXX XXXX # XXXX, 4 ) XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section62 A. States I have the right to privacy.

15 U, S, C 1681 Section 64 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c- 1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 


3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 


I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : Name : XXXX XXXX XXXX XXXX Date of Birthday : XX/XX/XXXX SSN : XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have called repeatedly to ask for a lower interest rate. I have been a long time customer, and have never been late and in fact I pay the paymnt right after it gets on line. I also pay extra on it before the next due date. All they can say is they don't have a lower rate for me. nO REASON WHY THEY CAN'T EVEN THO i TELL THEM HOW LON g I have been with them no late payment and I pay extra. They are rude and mean.This company is Capital One credit card.
Product: Mortgage

On XX/XX/2023 I closed on my home and signed documents that reflect a 7.25 % fixed interest rate. My mortgage was sold to another company at a 7.65 % interest rate and upon reaching out to BOTH companies to fix this they have refused to do so stating the original lender told them it was 7.65 % and they have to adhere to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Equifax In XX/XX/XXXX, I filed a Dispute with Equifax ( online ) through myEquifax account for a collection item placed from Debt Collector, XXXX XXXX XXXX ( herein referred to as XXXX ( see CFPB Complaint No : XXXX ). 

Original Debt of this case with XXXX XXXX was dismissed in XXXX XXXX XXXX XXXX on XX/XX/XXXX. Then, XXXX XXXX sold the Debt fraudulently to XXXX. On XX/XX/XXXX, I logged into myEquifax account to update my dispute by attaching the Notice of Dismissal. I notice right away there were several items wrong. I am a homeowner yet, my credit report summary reflects I have no Mortgage. In reviewing the tab collections XXXX does not show therefore, I can not dispute, update my dispute nor, submit my evidence. I went to the feature Disputes and nothing is showing? I called Equifax. I was connected to an Agent that could barely speak english. I tried to explain all that I had found wrong but, she was not understanding me, instead, kept repeating the same information that did not pertain to the issue of : Equifax online for my account is wrong, contains errors that is hurting my credit and I would like to speak with a Supervisor. The Agent kept arguing with me. Telling me I can just mail in the documents. I advised that I was not going to just mail in legal documents and, give her a statement while she enters my statement over the phone. It took five times of me asking for a supervisor before the Agent said Ill see if we have one, but I dont know Two hours and thirteen minutes later since I placed my call, I was speaking with a Supervisor. Another Agent that barely spoke english. I explained three times what the problems were but she was not comprehending the issue of : If Equifaxs online system is not properly working, I am unable to rightfully file a Dispute to fix my credit. Equifax has hendered me in my endeavor to fix my credit because I filed a dispute yet, they have no record of it. Equifax has failed in their duty to serve consumers in the capacity under the law in which credit practices state and that she was to delete my Account and all my personal information immediately and I would be filing a complaint against Equifax. 
Her response was, okay. She deleted my account and sent me a confirmation
Product: Credit card

I have called XXXX XXXX on multiple occasions. They have denied my credit limit increase and cant even explain the reason why. On the letter it says A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. Which I dont understand what that means and called and spoke with a rep and supervisor and they could not explain either! I make XXXX a year with a credit score of XXXX. It should be no reason my credit limit cant be more than {$600.00}. I also bring my card to a balance of XXXX  every 2 weeks. So I pay on this card twice a month in full. No late payment charges. I have been with this company for almost 10yrs now. When doing the credit increase it said it takes days for the report to come back and mine came back within hours like its an automatic rejection. This company is treating me unfair as a consumer with no legit reason of why and cant explain why.
Product: Payday loan, title loan, or personal loan

Took out a line of credit with this online lender XXXX. Requested they close the account and let me pay it off over time ( interest rate was too high, could not afford it ). XXXX XXXX who works for NCB debt collection for this place called my husband 's, my son 's and my home phone which I did not provide them with any of these. She was told not to call these numbers and she lied and said I gave them to her. Not true, I would never do that. Last night she called the home phone which we NEVER use, except for emergencies and asked was this " XXXX XXXX '' I said yes and she said who she was. I was really upset she has my e-mail, cell phone, work phone and home address. I made arrangements to pay monthly but one payment was returned. They reported me to the credit agency and I feel these high interest rate online loans should not be legal anyway so why should they be able to report to the credit agency. They say they are XXXX XXXX but they are just loan sharks.
Product: Debt collection

I have a medical debt that was turned over to Professional Credit. I made payments arrangements with them, I was never informed that they would continue to charge interest. I have made these arrangements and have not paid late according to our arrangement, but they continue to report to the credit bureaus that Im late. I have upheld my agreement. When I complained that they arent upholding their side, they told me I have to call them. When you call, you are put on hold for hour ( s ) and then hung up on before you can even begin to tell them what is happening. Ive never received anything by mail like I asked. I have no issue paying the debt as agreed, I just want them to uphold their end as agreed. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  ; Equifax ; and XXXX  ; I was actually in the process of reviewing my credit and noticed that there are several incomplete, errors, and variations of my name and addresses and previous addresses. I've attached what I've sent to the credit bureaus many times that i want those previous addresses and unknown names removed from my credit report. Basically, Ilooking at my credit report, I noticed errors with my personal information, misspelledof myactual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries thatI'mnot 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated informationmustbe deletedimmediately from my credit report asthey are not reportable as per theFCRA, since they are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account.

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and XXXX XXXX I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Money transfer, virtual currency, or money service

initial transfer was  XXXX   XXXX ,  2017  ... .sent  XXXX  +  XXXX  charge to   XXXX   XXXX   in   XXXX   ... to   XXXX   XXXX   ... at that end they say the money has not arrived ... I have called penfed credit union, sender of intial transfer at least  two  ealier times for reason ... .have yet to get a valid explanation why after 11 days account there has not been credited with funds ... called them today and still get runaround ... need cfpb assistance in having this corrected
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company - XXXX - Bills for my XXXXProblem started over 2 years ago. They never sent bills and then turned me into collections for a large amount. No previous bill received. I paid the bill. The next year, after not receiving bills I called to find out what I owed and was told I had a credit with the company. They would notify when I began to owe them. Same story - a few months later got a collection letter. Once again it was a large amount but this time was unable to pay this. I was set up on a payment plan - I was told that all I owed was included in this plan. Few months later I was called by their collection department to pay an additional XXXX+. When I called them they said this as not included in the plan. They found this other amount. I have repeatedly explained the situation to them and they tell me it is taken care of but then it happens again. Finally in XXXX we put together a new payment plan of XXXX/month for a year and I was to be paid off in full. Today I received a collection letter for XXXX. I have never received a bill and they keep changing their stories. I have no idea any more what is right or wrong but I truly feel as if I am being cheated. I cancelled my XXXX because I just could n't put up with this anymore. I have enough health issues and I ca n't take this stress. How do I make this stop. I have received calls and notices and I am just tired of having to deal with his over and over again. I work in a professional office and I would have been fired by now if I handled the billing like this company does. If you google them you will see I m not alone in my complaint. Please help me. This also involves my credit but none of this has been my fault. Should n't they be held responsible on their end also? Thanks for any help you can give me. I do appreciate it. 

XXXX XXXX XXXX XXXX Ohio XXXX Phone XXXX Phone XXXX