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

AS shown in the attached photos, an account was deleted because it could not be VALIDATED! XXXX XXXX XXXX had put the account back on my credit report under another corporation name ( XXXX XXXX ) and got caught with their FRAUDULENT ACTIVITY! So now they put the account back on my report and changed the account number and put it back under their own name ( XXXX XXXX XXXX ) which proves that they know that was ILLEGAL TO DO and which is AGAIN FRAUDULENT ACTIVITY!!! This is unacceptable! I AM A PROTECTED CONSUMER!!! I have attached proof of their fraudulent activity! The account circled in green is proof of the account being deleted and the other account that is circled in black is the same account with a new account number! ALSO EQUIFAX IS IN VIOLATION AS WELL!!! THEY TOO ARE INDULGING IN FRAUDULENT ACTIVITY!!!
Product: Credit card

I had failed to make a timely credit card payment to Barclaycard XXXX XXXX. This was just a matter of forgetting to pay my bill. 
Received an email notification reminding me of my need to pay and that it was delinquent. My Account balance to pay was {$180.00}, due XXXX/XXXX/2016. My new statement with additional purchases of {$2700.00} arrived with a due date of XXXX/XXXX/2016. My new statement indicated a late fee of {$27.00} which is standard. It also had an interest XXXX of {$34.00} which is for the unpaid balance of {$180.00} and should not be applied to the new purchases until that payment is delinquent. So an interest charge of {$34.00} for {$180.00} equals 18.29 % for 1 month! or 220 % annualized. Check their math!
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXX XXXX 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 XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with the company on numerous occasions asking them to update my current address and each time I hang up from the different reps, I am told to wait 24 hours for the changes to take effect. It has been several days since my dispute and the incorrect address is still showing on my report ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  I do not live at this address and there are no legal ties for me to this address. I do not receive any mail at this address, nor do I have any legal rights to this address. Please remove this address.
Product: Credit card or prepaid card

My CA XXXX prepaid Bank of America card was digitally hacked and all funds were drained, the total amount being {$1800.00} on XX/XX/XXXX. I filed a claim through the company on XX/XX/XXXX and on XX/XX/XXXX received a letter that the claim had been open. On XX/XX/XXXX I was issued a temporary credit for the full amount of {$1800.00}. 

I received a letter XX/XX/XXXX stating the claim was investigated, approved, and closed. The claim I filed had proven to be fraudulent activity. 

XX/XX/XXXX Bank of American made an adjustment debit to my account for {$1800.00}. 

On XX/XX/XXXX my XXXX deposit for {$270.00} was taken from me and put towards my new " debt '' of {$1800.00}. 

On XXXX took my XXXX deposit for {$540.00} was taken from me and put towards my new " debt '' of {$1800.00}. 

My current balance is - {$1000.00}. 

I have called the phone number for customer services and they direct me towards the claim department. The claim department has keep me on hold for hours each day and I have never gotten through to anyone to resolve this issue. 

Reading online, this appears to have become a common practice from Bank of Americas XXXX Pre Paid Card program, I am not expecting for any resolve in the near future and I will continue to have my unemployment benefits stolen by the company long after they declared my claim closed and reimbursed me for the fraudulent activity.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Debt collection

I was a member of XXXX XXXX in the summer of 2021. I canceled my membership cause they discriminated against me for having a XXXX XXXX. I agreed to pay one month 's membership cause they were threatening to report false information on my credit report. I set a cerfted letter to Aldous and associates. They continued to harass me and call and send a threatening letters
Product: Debt collection

Will you please verify that the information is 100 % accurate and that you can fully verify it. Otherwise can you please remove from my credit
Product: Credit reporting or other personal consumer reports

My account was placed in foreclosure no 30 60, or 90 day notice showing on my credit. I was approved by HAF government program for reinstatement of my loan and was declined by mortgage company stated I need to pay loan off in full they wouldnt accept payment to bring loan current after being in a Covid forbearance. Mortgage company Premier Lending wouldnt remove foreclosure status even after I paid loan off it never foreclosed. Asking to have removed from credit as a foreclosure payoff to just say payoff. Investor on loan is XXXX XXXX. Because saying foreclosure it is not allowing me to move forward with or begin able to purchase another property.
Product: Mortgage

This is second complaint since PNC Mortgage does not seem to understand the unfair and illegal practices. My mortgage was bought by PNC from another company. Since that time it is been my worst nightmare. I have paid all payments on time through auto pay with my bank. Since the time of purchasing this home, it has required complete renovation due to the condition of the home when purchased. Because of this need, my loan was set up such that it required PMI. With PMI comes the escrow requirement. After allowing my insurance to lapse because they did not communicate with the insurance company during the hurricane, it took my footwork, etc to correct the problem. Since that incident, my insurance will no longer be paid through the escrow. A document was sent on XX/XX/XXXX indicating PNC will no longer pay the insurance. In addition, requested having the PMI and escrow removed. PNC insists because of the 80/20 rule they can not remove the PMI and escrow. Because of their insistence, I ordered an appraisal costing over {$400.00}. It was provided to PNC proving the value was significantly higher and therefore PMI and escrow should be removed. Now they are saying despite them holding me land locked, now they will order an appraisal but I will be required to pay {$500.00}. They will not accept the appraisal which already proves the issue yet would not order one until I paid to prove they were incorrect. With all that, they are saying I owe higher payments for escrow despite insurance will no longer be paid, taxes went down because home is now homestead and value was proven higher. PNC actually owes my money back due to excess escrow for insurance. This is a shortened version, this does not include the lost payments, unable to take " partial '' payments so good luck paying off a loan early with any variance to your payments. PNC should be investigated including governmental audits.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK RAN ALL MY CREDIT REPORTS TWICE IN ERROR I AUTHORIZED ONLY XXXX AND SOLFT ONLY
Product: Debt collection

My mother-in-law wrote a check at a XXXX ... the cashier processed the sale, but the check was written for the wrong amount. My mother-in-law went to the bank and store to try and resolve the issue. Not sure what happened but since then XXXX turned this over to a collection agency which " flagged '' her checking account ( which is all she uses, no Credit Cards or cash kept on hand ... she is over XXXX ). The credit Agency which I called today made me make a second payment of {$47.00} ( {$25.00} " penalty '' plus the original wrong amount ). They did not offer to send back her mailed in check payment and have not guaranteed she will ever get the money back, i.e. they are collecting this debt twice. Further they are using two separate companies to confuse people. The company that you call is XXXX XXXX XXXX while they company hired by XXXX is TRS Recovery Services. This allows each of them to not take ownership of what the other mistakes are done. However, they both have the same address, which is XXXX XXXX XXXX XXXX XXXX TX XXXX they have a XXXX in the same town/zip. They also pulled the trick of making me get her on the phone to authorize me to talk on her behalf, only to say when I called back that they had no record of it. 
They would not provide me with a address at first until I told them that I was filing this complaint. This type of practice should not be tolerated ... especially to older people. The mistake was not my mother-in-laws but the cashier at the store. Now she has had her checking account flagged thru " tele-check '' ( not sure if that this the right company ). TRS is completely unwilling to take accountability for what XXXX has done going as far as to say they are different companies ... how can that be when they have the same address??? Please help stop this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Equifax Data XXXX ( XXXX ) To Whom It May Concern, I am writing to formally file a complaint regarding the XXXX Equifax data XXXX, which exposed the sensitive personal information of approximately XXXX XXXX individuals, including XXXX XXXX XXXX. Upon reviewing XXXX online resources, I discovered that my information was impacted by this breach. 
The breach, disclosed by Equifax in XX/XX/XXXX, led to the unlawful access of sensitive consumer data, including Social Security numbers, birthdates, addresses, and other critical personal information. Following this incident, the XXXX  Attorney General, XXXX XXXX, launched an investigation that resulted in a Final Judgment against Equifax on XX/XX/XXXX, as part of a {$600.00} XXXX multistate settlement. 
The settlement included the following key requirements : XXXX. Consumer Fund : Equifax must pay {$300.00} million, with the potential to increase to {$420.00} million, into a Consumer Fund for affected individuals. 
XXXX. Data Security Program : Equifax must implement and maintain a comprehensive data security program to prevent future breaches and safeguard consumer data. 
XXXX. Consumer Assistance Process : Equifax must assist identity theft victims and support members of the armed forces and their families with credit issues. 
XXXX. State Payments : Equifax must pay {$170.00} million to the states.

Despite these measures, I am concerned about the adequacy and accessibility of the restitution and resources provided to affected individuals like myself. I am seeking clarity and resolution regarding the following issues : The process and timeline for obtaining compensation or assistance through the Consumer Fund.

Specific details about Equifaxs data security measures implemented post-settlement to ensure such breaches do not recur. 
Assistance and support available to me as a victim of this breach to safeguard my identity and credit. 
Accounts that have great concern about on my credit report that I have know knowledge of that have dispute them alots of time with know results. 
Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Given the magnitude of the breach and the sensitivity of the compromised information, I believe additional oversight and accountability are critical to ensuring Equifax complies fully with the settlement terms and provides adequate support to affected consumers XXXX 
I kindly request that the Consumer Financial Protection Bureau investigate my concerns and ensure that Equifax fulfills its obligations to consumers like me. 

I appreciate your time and attention to this matter and look forward to your response. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I recently became award that someone tried to fraudulently apply for 2 store credit cards with Comenity bank under my name. I reached out to Comenity via email on XX/XX/2022 and have not received a response. I have also tried reaching Comenity daily via phone since XX/XX/2022 however due to a continued " service outage '' have been unable to reach anyone. The one day I did get through to an operator they were unable to help. As a result of the fraudulent application I had 2 hard pulls of my credit report. I have placed a fraud alert on my credit and reached out to all of the reporting bureaus. XXXX has removed the pull, however XXXX seems to think it was a valid pull. The inquiry did not appear at XXXX. I am requesting that Comenity contact XXXX and have the fraudulent pulls removed from my record. I also want to make sure that no credit was established in my name. Finally I am requesting any available information regarding the applications so that I may forward them to law enforcement.
Product: Money transfer, virtual currency, or money service

Paypal limited my account and I don't know what I have done wrong. I used my account for 3 years and now they just sent me an email regarding of my account that has been permanent limited.
Product: Payday loan, title loan, or personal loan

I am being contacted everyday, with the exception of Sunday, for a month. The want the loan paid but, I am unemployed and a XXXX veteran. I have tried to explain this to the company. However, they continue to contact me. It's the same thing everyday.
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 : XXXXDOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX and list of Inquiries. 


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

The ran credit report without my permission
Product: Credit card

I am disputing the collection account with BK OF AMER account number XXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that BK OF AMER, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX Balance : {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX back in XXXX, requesting a validation of the debt owed, with no response. This company also pulled my credit report on more than one occasion in XXXX, without permission as this account had been closed back in XXXX. This company has not provided any requested documentation. Yet has reported things on my credit report, that are inaccurate that has damaged my credit report. 

The same request for validation of debt has also been sent to Equifax and XXXX, more than once in XXXX & XXXX with no success of getting the requested validation of the debt as being accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both XXXX XXXX and Bayview Loan Servicing several times over the last months asking for the date of first delinquency to be fixed on my reports. The most recent contacts to both companies were by phone on XX/XX/XXXX, by phone on XX/XX/XXXX, by email/fax on XX/XX/XXXX and through disputes with XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have not updated the date as of yet. 

The date of first delinquency that is showing on all 3 credit bureaus : XXXX, XXXX and XXXX. The delinquency shown is XX/XX/XXXX but the date of first delinquency was XX/XX/XXXX. The mortgage loan was originally owned and serviced by XXXX  XXXX XXXX. It was then transferred to XXXX XXXX and finally to Bayview Loan Servicing. Per FCRA 605 & 623, when a debt is sold and was delinquent, the date of first delinquency is to be reported as the original creditors date of first delinquency. In the case of this account, the account went delinquent with XXXX   XXXX XXXX in XX/XX/XXXX. As it was never brought current, the date of first delinquency is XX/XX/XXXX. 

You will see in the XXXX XXXX Report the XXXX XXXX XXXX Information ( bottom of page 4, top of page 5 ) the account history for XXXX XXXX XXXX and the information that is was transferred. Bottom of page 5 to top of page 6 shows the incomplete XXXX history. XXXX received the loan in XXXX XXXX but did not report until XX/XX/XXXX until XXXX XXXX. Bayview received the loan in XX/XX/XXXX-XX/XX/XXXX. 
The 2 were the follow-up letters that I submitted after the XXXX disputes were not updated properly. 

The XXXX XX/XX/XXXX Document shows that the XXXX  XXXX XXXX account has been removed due to the 7 year rule but both XXXX and Bayview are still on the report ( pg 11 & pg 16 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered a credit inquiry that I did not authorize and it has damaged my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is intentionally violation the FTC FCRA rules by intentionally reporting balance inaccuracies to the credit bureaus. I have disputed the balances and the status of the account multiple times and XXXX returns with a difference balance that they intentionally know is incorrect in order to impact my credit. The account is reporting in a charge off status, each month they report the account as a charge off, however, the balance is incorrect, the date of initial delinquency is incorrect and the account is managed/sold to XXXX XXXX, who contacts me about the balance.

Per their website the balance remaining on my account is {$14000.00} as of XX/XX/XXXX. The terms is reporting as 73 months and not 72 months per my XXXX statement. I disputed the balance in XX/XX/XXXX and they returned stating the balance is {$21000.00}. I disputed the balance again in XX/XX/XXXX, on one credit bureau report they stated " Account charged off. {$24000.00} written off. {$21000.00} past due as of XX/XX/XXXX '' to XXXX. The statement of {$24000.00} being written off is a factual inaccuracy and it is the obligation of the creditor to report factual information or delete, update or remove the account.

Per my Deficiency letter dated XX/XX/XXXX, the vehicle was sold for {$10000.00} with all of their fees the deficiency balance is {$17000.00}. Again, this was dated in XXXX which means all of the reporting after XXXX with the inaccurate balances was based off of inaccurate information from XXXX. An intentional effort to report false information and a clear example of XXXX failing to abide by the FCRA rules.

Again, I have disputed this account for years, at each attempt at disputing the balance is returned with a different amount which is in violations of the FTC FCRA 623 ( b ) ( 1 ) which states If a CRA notifies you that a consumer disputes information you provided, you must : investigate the dispute and review all relevant information provided by the CRA about the dispute ; report your findings to the CRA ; provide corrected information to every CRA that received the information if your investigation shows the information is incomplete or inaccurate ; and modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ).
Product: Student loan

I have requested a specific way to apply my payments and Nelnet just  cant get it right. I have emailed them and phoned them. I make two payments per month. The payment on the XXXX of the month in the amount of {$230.00} is to be applied to both groups A and B. The second payment made by my employer is made approximately the XXXX of each month in the amount of {$250.00} and is to be applied to wholly group B. My payment on XX/XX/2019 in the amount of {$230.00} was applied incorrectly. In spite of repeated requests to reapply it remains incorrect. My recent payment made on XX/XX/2019 is also applied incorrectly. In total I have spent hours on the phone with them and countless emails. I can not continue to spend large amounts of time on this. And it doesnt seem to difficult to get it right. Also staff is quite rude.