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

I am writing to formally express my outrage and frustration regarding the Equifax data breach, which resulted in the unauthorized exposure of my personal information. This massive security failure is not just an inconvenienceit is a clear violation of my privacy and rights as a consumer. Equifax 's gross negligence has directly affected me, and the lack of meaningful action in the aftermath only adds insult to injury. 

I am appalled by the inadequate response from Equifax to this data breach, as well as the lack of sufficient accountability from the Consumer Financial Protection Bureau in holding Equifax accountable. Despite the severity of this breach, it appears there has been little real action to protect the consumers whose sensitive data was compromised, including myself. 

To date, I have not seen any effective measures taken by the CFPB to ensure that Equifax is properly addressing this situation, nor have I seen any evidence of significant oversight or consequence for the companys egregious failure to protect my data. The fact that my financial and personal information was allowed to be exposed is a violation of my fundamental right to privacy, and it is absolutely unacceptable that it has not been rectified to my satisfaction. 

I demand immediate action from the CFPB, including but not limited to : A detailed update on the status of the CFPBs investigation into this breach and its enforcement actions against Equifax.

Clear steps being taken to prevent such breaches from happening again, not only with Equifax but across the industry. 
Immediate financial remediation or compensation for those impacted by the breach, including but not limited to credit monitoring, identity theft protection, and legal remedies. 
Transparent information about how my personal data has been misused or accessed and what measures Equifax has taken to mitigate further harm. 
This situation is a clear case of corporate failure, and I am deeply disappointed in the CFPBs current lack of effective response. I expect swift and decisive action to address this violation of my rights. If no satisfactory resolution is reached, I will not hesitate to take further action, including but not limited to pursuing legal avenues and taking this matter to public forums to hold both Equifax and the CFPB accountable. 

I trust that you will take this matter seriously and act swiftly to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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Product: Credit reporting or other personal consumer reports

What ever law suit yall going I need my Ive been with credit repair over 7yrs
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The above is reporting a credit inquiry dated XX/XX/XXXX and XX/XX/XXXX. I called and spoke to there rep XXXX ID # XXXX and she indicated that my information did not match what she showed in the system and that it appears to be fraudulent.
Product: Payday loan, title loan, or personal loan

I paid off a XXXX on XX/XX/20. I was told at the time that it takes some days to get it settled on their end and to give it until XX/XX/20. I called today XX/XX/20 and was treated very rude when inquiring about the status. I spoke with XXXX, XXXX, XXXX and XXXX. After speaking with XXXX today who told me it would be more time I asked to.speak to a supervisor. I got XXXX. Not only was her lying to me but he was very rude, got loud and ultimately hung up on me. He would not tell me his last name nor his supervisor. I want all the calls listened to!
Product: Credit reporting or other personal consumer reports

I have submitted three credit disputes with Experian for an account that is not mine ; all to no avail. 

XXXX XXXX incorrectly reported my fathers collection account to my credit report. After speaking to this creditor, they acknowledge that the debt is not mine and submitted request to the credit bureaus to have this removed from my credit report. ( Attached ) Experian has yet to act on this. 

I have submitted disputes, including a letter from the creditor stating this account should be removed from my credit, an experience continues to affirm the collection account as mine. 

The creditor has confirmed the account belongs to my father, because of the address and date of birth they have on file
Product: Credit card or prepaid card

I was supposed to get {$1000.00} dollars by wells fegro and I didnt receive anything I was scammed and Im struggling through this pandemic please I need it Im in debt
Product: Consumer Loan

I got a loan from Instaloan ( Equity Auto Loan on report ) in XXXX, GA. The Manager there gave me information that shows paid in full. This account is only on my XXXX report. On my report, there is a closed account with a XXXX balance. XXXX they have put XXXX different accounts on my credit report with XXXX different balances showing that I have to pay those in full for {$520.00} and {$660.00}. I disputed it twice showing that there were XXXX duplicate accounts ( XXXX open/XXXX closed ). The account for {$520.00} now shows {$0.00} balance and closed. They said they contacted Instaloan and was told my {$660.00} account was still open which is not true because I paid it in full. So I have XXXX closed account showing {$0.00} with the same account number and an open account with another account number. I paid off the {$660.00} balance in full. Everytime that I would go into to make a minimum payment, they would re-open a new account. I called corporate about them updating my credit report and was told that the District Manager would contact me. I told them that I want my credit report updated correctly and for them not to tell XXXX incorrect information. I would also like all the duplicate accounts deleted because I only had XXXX account. My report looks a complete mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to the credit bureaus asking XXXX and Trans Union to correct errors on my credit report. Almost 60 days have passed, and I have not received a response yet.
Product: Debt collection

I received a letter from an Attorney on behalf of American Express. That is clearly a violation of 15 USC 1692e ( 3 ).

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

This is just going to far and American Express is becoming a nuisance. I will be filing for default judgement soon as I have all the evidence. Also American Express statedbthey would have XXXX attempt to help collect the debt below. That is also another violation of 15 Usc 1692e ( 14 ) ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.

Also American Express keeps saying they have validated the debt. All they did was send statements, that is not proper debt validation pursuant to 15 USC 1692g and they never mentioned who the original creditor is which was the consumer.

Pursuant to 15 USC 1611 & 15 USC 1640, American Express has civil liabilities and can be held criminally liable.

American Express has now incurred over 20 various violations and now this case is now eligible for district court. Will be in contact with the US AG XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I contacted Remitly ( XXXX ) in XXXX, XXXX, XXXX and XX/XX/XXXX about a fraud transaction involving an individual XXXX XXXX from XXXX that stole my {$500.00} taken out of my checking account on XX/XX/XXXX and XX/XX/XXXX that was intended for an business transaction. Each time I contact the organization, they rudely pretended that there are no transactions that matches the description and that they were going to follow-up with an investigation but did not. Today, I called and finally got an individual to admit that the transactions was in their system. It is my belief that they encourage this sort of actively evident by the refusal the follow-up with these fraud charges. I contact the organization prior to sending the money to ensure that this was legitimate and they verified it was. 


No, I first contacted you in XXXX XXXX and tried to get you to stop the transaction. It's quite obvious that you did not thoroughly check. I have been contacting you since XXXX and XX/XX/XXXX is the first time you responded. You first claimed that you did not see any transactions that matched my claim and then never got back to me even though you promised to do so. You tend to encourage this sort of activity and have not put into place any security measure to prevent this from happening again.
Product: Mortgage

Our original mortgage was secured via XXXX XXXX, which took correspondence from the, President Obama, and the US Treasury Department to finally secure a 'reasonable interest rate ''. After that all went well until XXXX XXXX transferred service of our mortgage to SPS, ( Select Portfollio Servicing ), when things went astray. They operate like a 'collection agenacy ' bordering on harasssment with seemingly no cohesiveness with their records. The most recent example... ..we were first notified due to an increase in escrow our monthly payment increased. We were notified by letter of the changes and increases, along with an explanation on how to have it lowered by paying the increase in escrow. This began in XX/XX/2023, so we sent in the XXXX mortgage payment, along with money to be applied to the escrow increase. During this time we also made changes in our home insurance coverage that lowered the premium, all of which should have allowed the lower mortgage payment to be reinstituted. That's when the trouble began, first receiving calls that our XXXX payment was overdue, which, of course it wasn't, and SPS stating our monthly payment was still the same. After multiple conversations with SPS agents and Supervisors, they 'apologized ' and stated they would make necessary adjustments, however, we continue to receive calls still claiming our XXXX payment is still 'overdue ', relentlessely, which is very frustrating and causing undue stress and concern with my wife. SPS is not worthy of handling mortgages if they are not able to communicate and document properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that 3 Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 Disputed in XXXX, XXXX, and XXXX of 2020 with EQUIFAX and XXXX credit bureaus about verifying the account of XXXX  account XXXX XXXX. I asked for verification with XXXX account XXXX  XXXX, and I received no response from them all three times. Equifax and XXXX  replied that this account has been verified by the Fair Credit Reporting Act but I have not received anything from them nor have they shown me their methods of Investigation. I don't believe either bureau did a proper investigation or if they even investigated this account at all. I'm asking help from the CFPB in order to correct this issue by the credit bureau doing a proper investigation and deleting this unverified account. thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 n now im homeless n cant provide to my XXXX XXXXXXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Bank account or service

There were several unauthorized debit card transactions on my account from XXXX/XXXX/2015 to XXXX/XXXX/2015. On XX/XX/XXXX, XXXX transactions for a total of {$970.00} were unauthorized. On XX/XX/XXXX, XXXX transactions for a total of {$600.00} were unauthorized. I lost my card, and reported the card lost immediately, within minutes, of realizing that I had lost it. Regions bank refuses to return my money and blames me for stealing money from myself. It claims that " cardholder acknowledges PIN was not compromised '' when in fact the opposite is true. I live paycheck to paycheck and I really need my stolen money returned to me. What a horrible bank
Product: Payday loan, title loan, or personal loan

I have credit builder account with MoneyLion. I make a monthly payment of {$88.00}. On XX/XX/XXXX the payment was taken out of my account. I went on the account to check to make sure everything was current. After visiting the account I see that the account is showing past due. I reached out to Customer Service and they told me that they had escalated my case to the appropriate department and it shouldve been fixed within 3 to 5 business days. That was not the case. I reached out to them two days ago regarding the situation and they again gave me the runaround and yesterday they emailed me saying that the dedicated team is still working on the case it has been almost 3 weeks and they are sending me email saying my account is going to be at fault and the added additional charges to my account when I have the proof that they have taken that money from my account but no one wants to fix it. I am honestly tired of all the runaround they are giving me. This should not be a three week process. It is an easy fix. They told me that they do see where the payment was taken so I dont know why they cant make my account current because I do not owe them anything.
Product: Debt collection

SUNRISECRED # XXXX I'm unaware of this debt and did not have the opportunity to dispute. If you believe you provide proper notification, please certified mail with receipt with my signature.
Product: Credit card or prepaid card

I am writing to file a formal complaint against American Express Services for their unjustifiable restriction on referring a friend to their services. I believe this practice not only limits customer choice but also violates the principles of fair competition and consumer rights. I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action to address this concern. 

I have been a loyal American Express cardholder for several years and have always been satisfied with the company 's services. Recently, I attempted to refer a friend to American Express Services, as part of their referral program, which rewards both the referrer and the referee for joining the American Express family. To my disappointment, I was informed that I was not eligible to participate in the referral program. 

This restriction is not only frustrating but also raises concerns about the fairness and transparency of American Express 's practices. As a customer, I should have the right to refer my friends to a service I have had a positive experience with, and both parties should have the opportunity to benefit from the referral program. Restricting customers from participating in the referral program without any valid reason or explanation feels unjust and against the principles of consumer choice. 

I firmly believe that such restrictive practices limit competition and hinder the ability of consumers to freely choose the financial services that best suit their needs. The referral program should be an open and inclusive opportunity for customers to share their positive experiences with others and receive rewards for their loyalty. By denying customers the ability to refer friends, American Express is effectively preventing potential customers from benefiting from their services and impeding fair competition. 

Therefore, I kindly request the CFPB to investigate this matter and take appropriate action to ensure that American Express Services reassesses their policy regarding the referral program. I urge the CFPB to emphasize the importance of consumer choice, fair competition, and transparency in financial service practices. Consumers should have the freedom to refer friends to the services they trust and receive rewards for their loyalty without arbitrary restrictions. 

I have attached relevant documentation, including correspondence with American Express customer service, to support my complaint. I hope that you will thoroughly investigate this matter and take appropriate action to protect consumer rights and promote fair competition within the financial services sector. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Ink ) due to inadiquate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically. Cash App Failed to take Timely and effective measures to prevent and adress fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic funds transfer act ( EFTA ) and regulation E. These actions have caused significant inconvienience and finacial loss, and I seek appropriate redress for these Violations.
Product: Student loan

In repaying a private student loan with Navient, I am making additional payments while currently on an interest only payment plan. Although I have not missed a payment they are telling me that I can not allocate additional payments directly to my principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX XXXX My name is XXXX XXXX XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. Please remove the following addresses from my credit report they are not accurate please remove delete ASAP : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX i HAVE NEVER USED ANY SOCIAL SECURITY NUMBER ENDING XXXX PLEASE DELETE IT FROM MY CREDIT FILE. THE FOLLOWING NUMBERS ARE NOT MINE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX I DO NOT WORK FOR ANY OF THESE COMPANIES ERRORS PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX