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

Due to the Equifax security breech i am attempting to freeze my reports at the various credit reporting agencies, ALL of whom have made it a herculean task. None as bad as XXXX and Equifax themselves. 

1 ) XXXX makes you register and then deems your security answers to be false when they are not. Literally locking you out of the system. They have no way for contacting them other than via phone. which is time consuming and a long wait. This is a deliberate diversion to keep you from freezing your report. Also, I suspect that given my age, XXXX, and the fact that putting a freeze on my data is suppose to be 'free ', they are deliberately discriminating. 

2 ) Equifax, the guilty party that has created all this chaos has a broken web site. AFTER you spend 20 minutes doing data entry you can not actually follow through with a 'freeze ', the link just goes round and round and dumps you out. So they are incompetent as well. Perhaps the multitudes are freezing their data on this site and its overworked but surely they should be able to accommodate it. 

Finally, WHAT is the logic in making anyone, regardless of age, have to pay to freeze their reports? All agencies do this. This is consumer madness especially since in order to protect your data you now have to pay the company that allowed the breech to begin with. That 's like having to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a second time. Are you kidding me. They should be providing everyone with a free freeze and you should be forcing this to happen..
Product: Prepaid card

In XXXX, XXXX I purchased XXXX {$2500.00} gift cards from American Express to give to my wife for XXXX. I gave to her on XXXX and she used the first XXXX. When she went to use the second card in early XXXX, all transactions were declined. We inquired with Amex what the problem was and they told us the {$2500.00} had been used for purchases that were delivered to XXXX, XXXX - we live in XXXX. We explained it was fraud and opened a dispute. XXXX weeks ago we were informed our dispute was denied - Amex didn't deny it ; rather, XXXX, their gift card subcontractor, did so and said we had authorized the purchases. They did no investigation and we have subsquently learned lawsuits have been filed against XXXX for similar frauds and failure to make the victims whole. I have tried reaching out to Amex more than XXXX- they just transfer me to XXXX who then tells me 'sorry - the investigation is closed '. I bought the cards from Amex, not from XXXX, and would expect Amex to right this wrong. I need help or I am out {$2500.00}. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has a collection on my file from a cable company. I contacted them to make payment because at one time I DID have an account with that cable company..but this debt was not mine. They had a completely different address where I never lived. We determined, over the phone, that this must have been identity theft. I asked them to process it accordingly. 

They did not remove it from my file. I disputed this with all three credit bureaus and they did not block the item from display ( as federal law requires ) nor did they process it as an item from ID Theft. 

Account number XXXX. Balance listed {$250.00} Address listed as XXXX XXXX XXXX, XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, 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 an account without my written instructions XXXX XXXX XXXX  {$2300.00} XXXX XXXX XXXX {$3600.00}
Product: Credit reporting 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 Account name : XXXX XXXX XXXX # XXXX ( {$920.00} ), Account name : XXXX XXXX XXXX # XXXX ( {$120.00} ), Account name : XXXX XXXX XXXX XXXX ( {$4600.00} ), Account name : Collectibles Management Resources # XXXX ( {$2400.00} ), Account name : XXXX XXXX XXXX # XXXX ( {$5900.00} ) 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

These are all hard inquiries that I did not authorize or have knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Capital One Credit card that was charged off in XX/XX/XXXX. I started a payment plan with Capital One in XX/XX/XXXX to pay off the charge off in 4 monthly installments. The last monthly installment will be in XX/XX/XXXX. My recent XXXX credit report is showing a late payment after my third installment payment. It changed from 120 days overdue to bad debt / collection as marked on my XXXX credit report. Since this account was charged off in XXXX, the resumption of payments in XXXX should not be reflected as late payments. Please remove this recent late payment information from my XXXX credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax failed to remove the following from my credit report can youi please look into it XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX
Product: Checking or savings account

On XX/XX/XXXX, Chime/XXXX  sent me an email stating that my accounts were not in compliance with their user agreement and subsequently closed them and told me my balance was not eligible for a refund. They did not specify what account activity was out of compliance with their user agreement. They asked me to send verification of recent activity on my account, among other identifying documents, which I sent to clarify to them a recent deposit that was made, which came from the XXXX Treasury by way of a XXXX tax refund check. My tax return clearly reflects the amount expected from the refund, as well as the account activity showing the deposit coming from the XXXX XXXX XXXX I sent them over various personal and private financial documents, only for them to tell me the information I provided was not sufficient to account for the activity nor retrieve the balance on my accounts. They requested XXXX and XXXX tax returns, a photo of me holding my own identification card, proof of current addres, a paystub from the job located in the state I worked in for which I filed taxes, as well as any other information that would " help my case ''. After receiving generic responses via email, I called and was told that the email instructions were incorrect, and that I should be in fact sending my verification documents to " XXXX '', which I did, and in which all the emails bounce back to me undelivered. After two days of this, I have just gotten off the phone with a customer service representative of theirs, who tells me he has no further information to help me with regarding this perplexing matter. All these emails were sent between my personal email account XXXX, Chime 's customer service email accounts XXXX and XXXX, as well as XXXX.
Product: Debt collection

I have recorded phone call with radius and I stated to them that this wasn't my debt and 3 other companies are trying to get the same amount and I received a letter from one that the debt from the XXXX original collector is paid XXXX balance. I asked Radius Global Solutions LLC, formely known as XXXX XXXX XXXX XXXX, employee to get me any documentation from XXXX and anything with my photo Id and signature, I was told they would submit a request and I haven't received anything yet as of XX/XX/2018 yesterday XX/XX/2018 Radius placed this same debt on my report but for a portion of the debt the original debt is close to XXXX dollars, including the amount of XXXX which they are trying to receive for a debt already closed and XXXX balanced out through originally debt collector XXXX. I want this removed immediately and I want them investigated. I have rights and I need to be protected from debt collector who just place anything they want on your credit to ruin your chances at a better life. This is a XXXX  account because it isnt my balance please remove and take action. 
debt they are trying to collect is XXXX, XXXX, XXXX, total : XXXX.
Product: Credit reporting or other personal consumer reports

I have identified inaccuracies in my Experian Report that do not belong to me, indicating potential fraudulent activity. 

I have made diligent efforts to rectify this issue by engaging in written communication with Experian. Despite my attempts to address the matter through mail communications, Experian has been unwilling to comply with federal law and correct the inaccuracies. 

I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates Experian 's non-compliance with federal regulations. 

I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. 

Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situation.
Product: Credit card or prepaid card

My balance on my XXXX statement was {$130.00} which was Due XXXX XXXX. On XX/XX/2021 I made a payment of {$1600.00}. The overpayment in the amount of {$1500.00} was to cover the XXXX bill of {$1500.00}. I was also charged a late fee and interest from the XX/XX/2021 statement. Late fee {$39.00}, interest {$34.00}. Total balance due for XXXX was {$1500.00}. I made the over payment because a representative from the company told me that the late fee and interest would be waived. Either way, the balance, if not waived, would be {$34.00}. I am now being charged a late fee for the XXXX statement because Capital One told me that I did not make a payment during the billing cycle. I made the payment in advance of the billing cycle by 1 day. I essentially paid them what was owed before it was due. They charged me a late fee stating that if I made the payment on XX/XX/XXXX, it would have counted toward the XXXX statement but because I made the payment a day early, it did not count. This is a crime. Capital One is stealing from the public using semantics to do their crimes. I paid them in advance and they are charging a late fee. This is a very small amount to file a complaint about. However, if this company is doing this to tens of thousands of people the amount of revenue they would generate is significant.
Product: Checking or savings account

Understand I live in the XXXX. The primary use of obtaining Peso 's which is the local currencies to purchase food products etc., is through ATM 's. My primary financial organizations has been XXXX located in the United States based on information & guidance provided to me by the US IRS. Late last year when one of these financial organization cards started to fail at grocery stores & other stores including ATM 's, I begin my quest in replacing these failing banking cards for new debit & credit cards. From that point it has been a joke & a list promises including text messages that the cards have been ordered, & later found out they had not been ordered nor even given a priority as promised in getting them shipped out. I warned these individuals on the phone, ( many of them ). DO NOT SEND them by the US Mail service as it will further delay arrival of these cards here. They didn't listen. I tryed my other financial organization on getting a new card. No ptoblem there.
Product: Vehicle loan or lease

XX/XX/scrub>XXXX XXXX XXXX XXXX  Credit Acceptance Corporation, whom our vehicle is financed through called stating that they received the complaint from the Credit Bureau and wanted to offer a " XXXXXXXX XXXX XXXX XXXX' of late fee of approximately {$28.00}, but would continue to be on the receiving end of more late fees due to them not offering due dates to be moved. They only offer " promise to pay '', which will then lead to the late fee even with it being a arrangement. This case number is connected to this complaint. There are other factors that lead us to be in this financial position and hardship that involved both the car dealership ( XXXX XXXX ) and the finance company XXXX Credit Acceptance ). 

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

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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 U.S.C 1681 section 602 A. 

XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX all XX/XX/XXXX 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Various calls and requests have been made to have them remove all these accounts per their violation of my rights with no replies and updates!
Product: Mortgage

Im writing because we are customers of Suntrust for over 18 years. We even referred a few people to you including our son! We currently have two mortgages with them and have been trying to refinance them both since XXXX. 
Weve sent our information a few different times, and each time we reach out theres a different reason the re-fis havent been completed.Its always us reaching out for an update and this week were told we need to send all our information again. 
This is unacceptable. The last time we called they said they were waiting for HELOC information. My husband had a conference call with them and the HELOC bank. Theyre now asking for our information a third time. This is unfair, and Im not sure why were being mistreated like this. Its a bait and switch and they keep us hanging out there while our insurance and escrows went unpaid and lapsed. We had to call and get those corrected too. I want them to schedule closing for these immediately.
Product: Credit reporting

On XXXX/XXXX/15 I submitted a dispute to Experian, regarding several errors on my credit report. Their response dated XXXX/XXXX/15 showed several erroneous accounts were removed. However, an erroneous address, which was also disputed, remains on my credit report. I have never lived, nor am I associated in any way with the address : XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had an unpaid speeding ticket and failure to appear ticket. I paid ticket on XX/XX/. For TWO years I have been getting phone calls and mailers about this unpaid debt. I have contacted McCreary Veselka Bragg and Allen PC multiple times as well as filing complaint with Attorney General of Texas. MVBA changes the reference number and keeps harassing for payment for the SAME fine and ticket.
Product: Credit reporting or other personal consumer reports

My complaint simple and plain. My credt is being affected by unlawful reporting as i pulled my report. i sent the credit reporting agencies a affidavit 2 times to resolve this matter ammicably. since they didn't comply, i need your help CFPB. 15 usc 6802b stance about late payments. non public information can not be published to nonaffiliate third parties withouth my consent. unlesss i was given opportunity before the time that such information is innitialy disclosed to a third party. i was never given that opportunity and the CRA 's a third parties and in violation of that law. congress says ( exclusions ) the term consumer report does not include solely my transaction or experiences between ( me ) the consumer and the person making the report.therfore, late payments can not be included in my credit report. 15 usb 1666b states the timing of payments. the financial agency must send written notices/statement 21 days before the payment due date with information from section 15 usc 1637b . it must be mailed or delivered within 21 days of the payment due date from the consumer. they have never done that. they are all in violation of those laws. how could XXXX XXXX Transunion treat a payment as late without proof that these items were delivered to me the consumer. 15usc 1692k and 1640 civil liabilities {$1000.00} per violation not to exceed {$500000.00}. ive been damaged by them. all XXXX  of my XXXX XXXX XXXX cards. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXfurnish a copy of the banks account statement of when the payment hit their account, or remove all late payments from my report. please be reminded as the consumer i'm protected by the privacy act.
Product: Debt collection

I called Credence Resource Management to verify my account, and they confirmed that I don't owe anything. However, they are still reporting me to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to lift a freeze on my Experian account on XX/XX/2019. I thought I finally managed to do it, but I obviously didnt because I was denied credit on XX/XX/2019 by at least 2 financial institutions because my credit was still frozen on Experian. I tried to unfreeze it previously without success. They want a lot of personal information ( ssn, birth cert, billing info, etc. ) to be mailed into them which seems scary to me because that in and of itself can cause fraudulent activity. There is no way to talk to an actual person with Experian. Their customer service is horrendous. They make lifting a freeze very difficult/impossible. 

I had no trouble at all with XXXX or XXXX. I was able to lift the freeze on both of these credit bureaus this time as well as in the past without any difficulty at all.
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/XXXX 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.
Product: Debt collection

OnXX/XX/XXXX and on XX/XX/XXXX I have personally mailed in 2 certified letter to XXXXXXXX XXXX.original creditor XXXX. The debt they have claimed I owe is $ XXXX.I have never signed any contract with XXXX. In my two letters to XXXX XXXX, I have requested that they validate the information and provide me with copies of any documentation associated with this account bearing my SIGNATURE! Which XXXX XXXX   have not provided. I have requested that they remove the negative information off my account, which they have not done. XXXX XXXX has sent me a letter validating that I owe the debt, but the documents still does not have my signature, which I originally requested for.