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

I was a victim of XXXX XXXX I submitted a XXXX  Block Request to Equifax, I used the letter provided on the CFPB website. 
I recieved a letter from Equifax stating that I used a credit repair company to submit my XXXX  Block Repuest and my request wasnt valid, it also stated that I needed to give them a call so that I can complete my dispute. 
I call the number listed on letter XXXX each call was answered by the same two representatives who was extrememly unprofessional and refused to transfer my call to a manager or exculate my call as requested. 
my 4th attempt was answere by a representative named XXXX XXXX, I provied him the onfirmation number listed in the letter, he stated I needed to identfy myself via email and uploaed requested documents, I proviede my DL and SS, he did ststed that 5 min was up and he was releasing the call. I informed him that the 5min should start one I recieve email NOT when he sends it, he hung up.
Product: Money transfer, virtual currency, or money service

PNC Bank enrolled debit card, that is linked to my checking and savings account to third party digital wallet XXXX without my consent. They claim they have a notice that they sent an email about this, but I do not remember getting it. Any way, the fact that they notified that they enroll should not serve as customer consent to agree to third party service agreement and third party terms and conditions. I tried to have them to opt me out, and the instructions I got were only for mobile app users. After trying to figure out through online banking website, I still was not able to find out how to remove my debit card from that third party service. They said I had to call customer service so they would navigate me through opting out ( why customer service on chat is not able to do it??? makes no sense ). 
So, 1 ) PNC willingly exposed my sensitive information such as personal information and account numbers with third party service. 2 ) They enrolled me into third party service and accepted third party 's terms and conditions on my behalf without my consent. 3 ) For some reason, they decided that sending an email should qualify as a customer consent to third party 's service agreement and conditions. 
I truly believe that my sensitive personal and banking information has been violated. My checking account is where my paycheck is going, and my savings account is where my money is being saved. They handed this information to a third party without even asking the customer if they want that service or not. In case of a data breach, who is responsible? To add, you can not contact XXXX as an individual customer. Only a bank can opt out. What is the deal that this is so complicated to handle?
Product: Credit card

I tried to dispute a charge with Citi Card ; it would not do so. I called Citi Card today ; its off-shored phone service would not start the dispute. 

The disputed charge is dated XX/XX/year> for {$270.00} to is XXXX - its phone number is XXXX XXXX XXXX. 

I am also very concerned that Citi Card would not start the dispute ; its workers kept asking me for more information about myself and it was hard to understand the workers since their mother tongue is not XXXX. Since I do not have a smart phone they could not send me codes and requests for more information. 

I fear I am getting ripped off by Citi Card and XXXX. 

Please help.
Product: Checking or savings account

I made a purchase XX/XX/2022 for XXXX what I purchased wasnt not what I thought I bought. I requested a refund. The business has confirmed they have sent my refund. CHIME claims it never was refunded. So i then filed a dispute & was told I have to wait until XXXX to get my money!!!! $
Product: Vehicle loan or lease

As of XX/XX/2023, I refinanced my car loan from XXXX XXXX XXXX XXXX XXXX XXXX. XXXX rejected that check and sent it back to XXXX. XXXX sent out another check XX/XX/2023 and that check was cashed to XXXX but was never applied to my account. Upon verifying with both credit unions XXXX and myself came to the conclusion the XXXX did indeed cash the check according to our copy of the check being stamped for the date XX/XX/2023. XXXX  is not agreeing to cashing it at all and keeps stating that it was rejected and sent back, yet the check was stamped as cashed towards another bank, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy 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 to cause to believe that the information is inaccurate.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit card or prepaid card

On sunday XX/XX/16 I ordered a list of items with XXXX but some of the items were not delivered, and right away it was confirmed with the restaurant that those items were not included in the delivery. The restaurant did not take the payment because it was through XXXX, but XXXX was unable to provide credit or partial refunds either. Then I disputed the charge for partial credit should be issued since the transaction did not happened as it should have been. The amount of the food proportionally would have been around XXXX dollars out of the XXXX dollar order, and capital one denied the request for refund claiming that I did not provide needed information, even though both receipt and signed letter/claim form were provided.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX, XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! 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. Please delete these items listed below IMMEDIATELY! 
ADDRESS XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNTS/INQUIRES/ COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Shared my information with out my consent
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report .Please remove these accounts from my credit report, they are hurting my ability to obtain credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted this company by mail XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I requested VALIDATION of accounts but I keep having the response verified despite asking for Validation. A collection account with XXXX  and XXXX XXXX XXXX, by law I am allowed to see how this is validated. Being that the law states to be on a credit report as a debt the company must have proof of a contract with their letterhead plus my original signature to be valid. So can I ask this way to show me this proof? If not remove as the law states. I asked acceptance now to be fixed being I was never late. All three times the information was changed, which now shows was a insurance claim? I have the merchandise in my living room, paid in full. This was never a claim, never was late and inaccurate in reporting. Please update this as never late and not a claim or remove Immediately. Please validate as I requested prior XXXX XXXX and XXXX XXXX. These two accounts show charge offs but never late? This is inaccurate and I have a right for removal. 
Please also provide me with information on the bankruptcy also reported being I called the courts to obtain proof to have this removed and was told that they by law can not report this information to credit agencies. So if that is the case, this is against the law being the courts did not report it. I also, which was ignored requested proof of how inquires were made. I called every company and they have no record of me and directed me back to you. I wrote requesting info or be removed to being IGNORED. Please answer who is XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXXl XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX. Some are repeats! Please remove being I never authorized.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the following negative items on my credit report : XXXX XXXX - XXXX - {$2000.00} These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.
Product: Credit reporting or other personal consumer reports

While I asked FTC to get full report of my credit. FTC REPORT XXXX XXXX XXXX XXXX i noticed some inquiry is on my report are not in my knowledge.Reporting Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : ( Original Creditor : XXXX XXXX XXXX   ), ( Original Creditor : XXXX XXXX XXXX ), ( Original Creditor : XXXX XXXX  ), ( Original Creditor : XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

Your VerificationNow we just need to make sure that you are really you. These questions are based on information in your file, and only you should know the answers to them. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Your credit file indicates you may have a mortgage loan, opened in or around XXXX XXXX Who is the credit provider for this account? 
HOUSEHOLD FINANCEJPMORGAN XXXX MORTGAGE XXXX XXXX XXXX XXXX XXXX OF THE ABOVEWhat is the total monthly payment for the above-referenced account? 
{$1100.00} - {$1200.00} {$1200.00} - {$1300.00} {$1300.00} - {$1400.00} {$1400.00} - $ XXXX OF THE XXXX was an Equifax questioannre that I may have a mortgage loan opened around XXXX XX/XX/2013, I do not recall taking a loan by any means around this time
Product: Debt collection

his ongoing harassment is not only intrusive but also a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c. I have already taken the necessary legal steps by submitting a Cease and Desist request, which was acknowledged by Wells Fargo Bank. However, despite their confirmation that I would no longer receive calls regarding this matter, your firm has persisted in contacting me, causing unnecessary stress and disruption to my daily life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have business account with XXXX and Experian after 7 years of being open, they decided to give my business a credit score using my personal credit score. The problem is the personal credit score is WRONG. EXPERIAN knowingly replace my credit report with some made up information. I have one physical copy of my credit report and I also have a copy of the credit report they presented to XXXX which produced a low 500 score. I also have XXXX XXXX XXXX XXXX and they using transunion. After contacting transunion, they decided to dispute all accounts on behalf which was 3 that was giving me a negative score. Including a balance of XXXX that pop up on my credit with XXXX XXXX, that no one knows where it came from. XXXX, says not theirs and they can't even see the balance. 
XXXX XXXX says they didn't do it and don't know why its their. Yet, its still their. I'm finding XXXX has me down for XXXX score. Why, I have no ideal, but I haven't added any other accounts to my XXXX XXXX. I know I shouldn't be in no 5 or 6 anything. I'm sending my screenshots as proof.
Product: Debt collection

TILA rescission has occurred on XX/XX/2017 and the encumbrance was eliminated and the debt was converted from one arising from a promissory note to one arising from a statute 15 use 1635. The debt then became subject to the statute of limitations for claims under TILA because the debt now arises under TILA. 
Since BANA has acknowledged in court and acquiesced to the TILA Rescission and the statute has run the debt is barred. Ignoring the TILA Rescission is warping the value of the bankruptcy estate as well as allowing secured status to unsecured creditors. 
The effect on the XXXX estate by virtue of 15 USC 1635 is that the original loan contract has been replaced by operation of law with a statutorily imposed new agreement, the terms of which are spelled out in the statute. 
This means that per the statute and REG Z, which must be read along with the statute, the note has been replaced by a new obligation and the mortgage has been eliminated by the express wording o f the statute " by operation o f law. '' The obligation to repay continues as an enforceable liability provided that the claimant satisfies the conditions precedent set forth in the statute, but that obligation is no longer secured for the express purposes o f allowing the borrower to seek new financing from which the obligation could be repaid. 

The parties claiming to be owners of the debt or claiming to be representatives o f the owner o f the debt failed to comply with their obligations under the new agreement. Hence any right to enforce the obligation became inchoate. That failure by the claimant was not in any way caused by the borrower. 
The obligation arises not from the original loan agreement anymore but from the statutorily imposed obligation that replaced the original loan agreement. The statute is part of the Federal Truth in Lending Act ( TILA ). Claims under TILA are barred by the statute of limitations contained within that act.

Hence the obligation is wrongfully treated as secured when it had been converted to unsecured obligation by the statute, and the obligation itself is now barred by the statute of limitations. 
The effect on the bankruptcy estate is obvious any claimants under the original loan agreement are moved from secured to unsecured and, since they no longer have the benefit o f the written instruments ( the void note and mortgage ) they must establish their claim by filing a proof of claim in which they establish ownership of the obligation and thereby establish that the they hold the risk of pecuniary loss, without whic
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has 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 XXXX XXXX over 719transunion has me at a score around XXXX. That is a huge difference. transunion 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 XXXX i made this clear for XXXX  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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

On credit report stating XXXX XXXX someone took a loan out on my name of {$710.00}. I noticed this on my credit report reached out to self lender left voicemails requesting a call back to validate this account. 

I tried multiple numbers to contact this lender and filed police report I called and spoke with XXXX from Self lender and she asked for XXXX XXXX declined and she was not able to identify me by name.
Product: Credit reporting or other personal consumer reports

Credit reporting agency did not properly investigate fraudulent account showing in my consumer report. XXXX account was illegally reopened and closed as chargeoff when account was originally closed as Paid in Full
Product: Credit card

CitiCards payment processing process violates XXXX because of their unfair deceptive and abusive practices. I tried to process a payment online on their site on XXXX, and because there was an online issue with selecting the XXXX as the payment date, they had me call in to make a payment over the phone. The phone rep was unable to assist me and did n't explain as to why which I thought was very deceptive. I went back online on the XXXX and had no choice but to elect the XXXX as the processing date. Now my payment is late and there is a late fee associated because of your unfair deceptive and abusive practice. The late fee will also affect my APR which is also unfair. The payment site should have transparent disclosure on the processing payment site and not deceive their customer.
Product: Debt collection

I have a collection amount for {$360.00} through Caine & Weiner law firm, representing Progressive XXXX. I can not find the full account number, only the first six digits, and those are XXXX. 

I did have progressive as my Car insurance provider, until XXXX of XXXX. After that, I switched to XXXX XXXX. Progressive opened a collection claim against me on XX/XX/. 
I have bank statements showing two payments, one on XX/XX/XXXX  for {$120.00}, and another on XX/XX/XXXX  for the same amount. 
My Progressive account number was XXXX. When I try to login to their website, they no longer allow me access to any of my previous payment information, or information concerning the cancellation date of the Insurance they provided. Considering Auto insurance companies don't insure you on credit, and also that I have two payments on my Bank statement after they initiated their collection, either some or all of that debt is incorrect. 
I would like the collection removed from my credit report, and if I do owe them something, I will pay it, but I need to be able to validate the debt against my records
Product: Credit reporting or other personal consumer reports

I recognized on consumer report that the Inquiries is unlawfully reported as fraudulent. 
The Following inquiries are a result of Identity theft and were not initiated by me, I demand that they be DELETED immediately Thank You
Product: Debt collection

I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. I have previously submitted multiple requests for the removal of fraudulent accounts, but despite my efforts, the information has not been updated, and the fraudulent accounts continue to be reported. 
XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!!XXXX XXXX XXXX XXXX  PLEASE DELETE!!! 
It is disconcerting that the other bureaus have already completed their investigation and updated their reports accordingly. However, your bureau has not reflected these changes, causing ongoing damage to my credit score and financial reputation. 
I kindly request that you promptly investigate this matter and update my credit report to accurately reflect my credit history. The continued reporting of fraudulent accounts is not only misleading but also violates my rights under the Fair Credit Reporting Act ( FCRA ).