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

On Friday, XXXX XXXX, XXXX the reporting company Equifax announced that they had been subject to a large-scale data breach that compromised the personal information of many customers including, but not limited to, names, email addresses, social security numbers, and driver 's license numbers. I was one of the customers who was affected by this breach as shown in this image : XXXX XXXX XXXX As a result of this improper handling of my credit report, a large amount of my sensitive personal information is now available to the general public. Those with nefarious intent can obtain this information and use it to commit a variety of crimes which will directly impact my quality of life, including but not limited to identity theft and credit fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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
Product: Mortgage

Please note that in XX/XX/2020 our lender RUSHMORE allowed us to make us of their mortgage deferral payment for covid pandemic taking place. we were told we could defer our mtg payments and the missed payments would be added on to the end of our loan.

However two weeks ago we received a letter from Rushmore that we were going to be in foreclosure as of XX/XX/2020 if we did not make all the missed payments. 
We contacted our lender rushmore and we were told we must do a loan modification. we want to keep our loan. however we did not want to do the modification. we wanted to do the payment deferral that was offered to us in the attached documents. we do not want to lose our home. please advise us what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One # XXXX is reporting lates to my account that I should not owe. My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX lates on this account were not my fault, I made my payment online and was told the payment went through, I did not find out until later that the payment returned. I was never notified of the returned payment, this late was not my fault and it needs to be removed.
Product: Consumer Loan

I lost my job and I am unable to repay the debt. They are constantly calling me and threatening me over the phone. I have asked them to quit calling but they continue to call and harass me.
Product: Checking or savings account

At the end of XXXX, I initiated the process to rollover my Health Savings Account ( HSA ) currently held at PNC to another institution. As part of the process, the information I received was that only the cash balance could be rollover not the invested portion. Therefore, I sold all my investments AND put a STOP in the AUTO Transfer from Cash to Investment to avoid funds going back to the Investment account. 

Earlier in the month of XXXX, I had to request a second sale of investment because more funds were deposited into my investment account. The request was to transfer the entire investment balance. Later for whatever reason, there was still a very small balance in the Investment account. However, to my surprise I couldn't transfer this balance out because the system notified me there was already an investment transaction pending. 

Since I had not made any request, to my complete surprise, the investment auto transfer option was modified. Not by me, but by PNC without my knowledge nor consent. This got to be in violation of some procedure. I contacted PNC and notified them that I wanted to file a formal complaint and demanded an investigation, because this is unacceptable. I demanded to know what happened and notified them that I would look for the proper regulator to inform them of this violation of care by PNC. 

Today, Wednesday XX/XX/XXXX, I logged into my HSA and AGAIN PNC changed my Investment Auto-Transfer to transfer excess cash into the Investment account. A second violation of the duty of care and after I had already called and notified the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Data Breach XXXX XXXX, XXXX and Incorrect accounts on my credit report. I am a victim! 

A Huge security breach at credit reporting company XXXX has exposed sensitive information, such as social security numbers and addresses of up to 143 million Americans. THE BREACH HAPPENED IN BETWEEN MID XX/XX/XXXX AND XXXX IS JUST NOW MAKING THIS PUBLIC XXXX XXXX, XXXX. 

Unlike other data breaches, those affected by the breach may not even know they 're customers of the company. XXXX XXXX XXXX XXXX is one of the three nationwide credit-reporting agencies that track and rate financial history of consumers. The company gets it 's data from credit card companies, banks, retailers, and lenders -- sometimes without me knowing and WITHOUT MY CONSENT! 

The data breach is among the worst ever because of the amount of people affected and the sensitive type of information exposed. My personal information was exposed including my social security number, date of birth, credit card numbers, addresses, phone numbers, and dispute documents. 

XXXX has confirmed and claimed that as many as 143 million people in the United States were hit. Others in  the XXXX and XXXX were also impacted, but XXXX has n't said how many. Credit card numbers for about 209,000 U.S. customers were compromised, in addition to " personal identifying information '' on about 182,000 U.S. customers. 

I have been disputing incorrect accounts on my credit report since XXXX of XXXX and XXXX did not notify me in the mail stating that my personal information and dispute records were breached. XXXX jusst informed the public XXXX XXXX, XXXX when this unauthorized and breach happened in midXXXX and XXXX XXXX. XXXX confirmed and claimed that the criminals " exploited a U.S. website application vulnerability to gain access to certain files. '' The company has n't clarified who is behind the data breach, but noted that an investigation is ongoing. 

XXXX is proposing that i sign up for credit file monitoring and identity theft protection for one year. Doing so by signing the proposal and service voids my participation in a class action lawsuit. I will not consent or sign anything XXXX has to offer. The company operates in fraud and my reasons are the following : 01. IT WILL LOCK ME INTO BINDING ARBITRATION CLAUSES IN THE AGREEMENT 02. ENTERING INTO THAT AGREEMENT WILL LIMIT MY REMEDIES 03. ARBITRATION IS ONE-SIDED WHEN IT COMES TO BIG COMPANIES 04. ARBITRATION TAKES A LONG TIME 05. ARBITRATION ALLOWS XXXX TO MANIPULATE THE PROCESS 06. MY DATA WAS BREACHED AND EXPOSED I CAN SUE XXXX  FOR A SUBSTANTIAL AMOUNT OF MONEY. 
07. WHO HAS MY DATA NOW AND AFTER THE BREACH? XXXX DOES NOT KNOW! 

As a Secured Party Creditor I will be filing the following against XXXX : AN ADMINISTRATIVE CLAIM FOR DAMAGES, A TORT CLAIM AND COMMERCIAL LEIN AND THE ONLY WAY THE LIEN CAN SATISFIES IS : TO PAY IT! OR A TRIAL BY JURY. XXXX DOES NOT A TRIAL BY JURY! THIS IS WHY THEY WANT ME TO ENTER ARBITRATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi i filed a dispute about fraudulent account to 3 major credit bureus 2 of which investigated that matter and blocked the account as fraud.Transunion still did not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C 1881 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 instruction. 


The XXXX Account is a result of identity theft and is not my account. 

FTC report attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never provided my consent to report any of my nonpublic private consumer information. The authorized use of my information is identity theft. I hereby Opt-Out of any consent obtain to report my nonpublic private consumer information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have old items on my credit report that I would like to be updated and I have been reaching out to this company over and over to do so they continue to have old information that I no longer have access to on my report and I would like for the updated.
Product: Student loan

I have tried three times to pay my federal student loan payment through aidvantage. My first attempt was XX/XX/XXXX for {$150.00}, my second was XX/XX/XXXX for {$320.00} ( now double due to the first not going through ), and my third was today ( XX/XX/XXXX for {$320.00} ). Everytime I try to make a payment it tells me that my payment went through -- however when I go on their website later it says there was a " payment reversal '' and that it did not go through. There was no more information as to why it was reversed, and I was not notified either time that my payments were reversed ( I was only notified via email that they went through ). My account now says that I have late payments due, despite receiving emails to the contrary. Both times I have had the full payment ready in my bank account ( there is no chance it was reversed due to missing funds ), and upon asking my bank they claimed that aidvantage never attempted to take the money from my account in the first place. I checked my banking information on the aidvantage website and it is all correct. I have attempted to reach out to aidvantage regarding this via the email they provide, but I have yet to hear back with answers. I am currently unable to make payments for an unknown reason, but am still being marked for nonpayment despite these attempts to pay.
Product: Credit card or prepaid card

In the month of XX/XX/2020 I used my Chase Slate Credit Card online at XXXX XXXX. The only reason I used the credit card online was due to the Pandemic, I could not visit the local establishment, It was closed due to the Covid-19 Virus. I used different amounts on different days, again using the credit card as a credit card, expecting to pay accumulated interest at the end of the month on my statement. In late XXXX I reviewed my account and Chase had charged me {$10.00} per use of my c.c. a total of {$220.00}. I immediately contacted Chase and set up a phone appointment with their local branch. Chase did not keep the appt., without notice to me. I contacted customer service and explained that I did not make cash advance withdrawals. I disputed their charges in XXXX and wrote letters of dispute to Credit Card Services XXXX. XXXX XXXX XXXX, De. as required by their on line dispute center. The company continues to accumulate penalties and interest on the disputed charges of {$220.00}. I finally got a hold of Chases ' Dispute Department today, XX/XX/XXXX. and spoke with XXXX XXXX. Mr. XXXX informed me that I can no longer dispute charges older than 60 days. I have communications with Credit Services dated XX/XX/XXXX and XX/XX/XXXX, well within the required 60 days disputing these charges. Mr. XXXX told me, again, that I can no longer dispute charge over 60 days. " The company is going to continue to charge interest and penalties on this account ''. This is what I would call an unfair business practice. I have, in good faith, tried to dispute charges that I feel have been applied incorrectly and not been provided with a answer to my dispute. 
All other charges on this account have been paid and I closed this credit card with Chase in writing. The balance on the card is now over {$600.00} and Chase continues to charge penalties and interest on original charges I have been disputing since XXXX. I find it unfair that Chase refuses to work with me on an agreeable resolution and continues to apply usury interest and penalties. 
I would like assistance in resolving this matter. 
I find it apprehensible that the banking system can strongarm me in this manner with total disregard to my rights as a paying customer. 
Thank You for your help on this matter.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and someone has used my information fraudulently and at this current moment, I do not have any information on who is using it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account. I did not give written consent to report this account. XXXX CHILD SUPPORT ENFORE,. This account is also showing a past due/late payment which also violates my rights. Send proof that this account belongs to me and that the courts gave you permission to report this.
Product: Checking or savings account

I initiated a trustee to trustee transfer from my health savings account with Optum XXXX. I specifically requested a certain amount be transferred to a new trustee and that Optum XXXX  do not close my account. Optum XXXX  transferred a different amount than what I requested in my written form. Optum XXXX  does not know what to do and doesn't know that consumers can perform trustee to trustee transfers WITH OUT closing their account. I am not sure I am comfortable with them holding my money if they can't read and follow instructions.
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 USC 1681. 


Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

In accordance with The Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681section 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.
Product: Checking or savings account

I recive my govment benefit to survive this pendamic and i depost cash amount of and all together more than 4000 .. but my bank closed my account without any notice and explanation..
Product: Debt collection

Since XXXX XXXX, 2016 Commonwealth Financial Systems tried to collect {$410.00} of erroneous " medical '' debt I do not owe. I disputed the accuracy of their listing on my credit reports and they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I told them as per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX : {$1000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$4100.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX OF XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Product: Checking or savings account

Incorrect fees charged to my acct at times the fees would cause my acct to be in over draft I would like for all money taken in error to be refunded and I also would like to be compensated for the matter and the problems it caused both financially and personally
Product: Bank account or service

Wells Fargo Bank is funding their payment of the setttlement by systemetically sequencing deposits and debits to incurt the maximum amount of overdraft fees, I was charged XXXX for a XXXX recurring debit to XXXX XXXX XXXX and a utilty payment to XXXX for {$49.00} and another {$35.00}. That represents interest at the rate of almost 36,500 % on per anuum basis.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards.

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. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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

On XX/XX/XXXX I called Transunion to lift my security freeze. While doing so the representative who was not that proficient in talking English proceeded to think that I wanted to sign up for some service that they offered. After quizzing me intensely about my identity he asked for my credit card to verify my i.d . Only later did I find out that they had used that credit card to charge me for a monthly service that I did not ask for or need. I have proceeded to contact them to cancel my subscription ( on XX/XX/XXXX ) In the meantime they are charging me for the month that I asked for the unfreeze of my credit ( XXXX ) and the next month ( XXXX ) which hasn't started yet. I would like to get reimbursed for the money that they have collected without my consent.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to US BANK for not taking actions of these unauthorized inquiries reporting in my credit reports. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX. I have contacted these companies and these actions were initiated without any proof of the companies reporting. These inquiries are not factual since I never authorized them. I have attached the FTC report with the report number XXXX to support this complaint.