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

Here is the proof that I was a victim of this XXXX data breach. 

As you know, you deleted illegal accounts from my XXXX credit report because you saw that I was a victim of this data breach. 

Now Transunion refuses to delete these inaccurate items from my credit report. 

Please make them delete these Items and update my personal information immediately. 

Because of this Data Breach, my personal information was compromised, and my credit report is not 100 % accurate. 

Please help me delete these illegal accounts, addresses, and names from my credit report.

There should only be one spelling of my name and address and no other variation. 
( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ) Please delete the information below effective immediately. 
XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX. ) Account Number : XXXX Account Name : XXXX XXXX. ) Account Number : XXXX Account Name XXXX XXXX XXXX Non-Authorized Hard Inquiry. 
I did not authorize any hard credit checks. Delete the following inquires! 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

My payday loan loan was with XXXX XXXX XXXX XXXX, I lost my job back in XXXX and was unable to pay the loan back. I tried to make good of the loan but did not know that they were out of business and fined {$15.00} XXXX and stripped of its state charter. A company that apparently bought the old debt after it went out of business has been trying to collect {$1700.00} ( Jormandy LLC ) on a loan that was initially in the amount of {$600.00}. They have placed a judgement on my credit report and it has been there for a very long time. The statute of limitations on this debt in the state of VA was 5 years in Delware was 3 years. It is now XXXX. How can I get this debt removed from my credit report as well as stop the company from contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is XXXX accounts on my credit report that DO NOT BELONG TO ME. I have tried reaching out to the bureaus as well as the furnishers but have received no response back these accounts are not mine again. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account
Product: Student loan

XX/XX/XXXX. Navient consistently and continuously encouraged and instruct me to use deferment & forbearance methodologies & not offering repayment/income/graduated programs. Interest has compiled up over the years and I have made no dent on my loan. They incorrectly applied & allocated payments to my loans whereby interest accrued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint about my 7 late payments from XXXX XXXX. They took off 4 of my 7 late payments, not all 7 because they said that the time I reached out was not in Credit acceptances timely manner, even tho when I did reach out they assured me that they would report NO late payments but still reported 7. I now still have these 3 lates that is still hurting my credit score and completely stopping me from obtaining a mortgage loan. Section 4021 of the CARES Act, Credit Protections During COVID-19, temporarily amends Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ). Under this temporary amendment, an institution that makes an accommodation for one or more payments on a consumer credit obligation must report the obligation or account as current. This Act was signed in XXXX of 2020 and is effective u til the end of the Covid-19 pandemic. My remaining 3 late payments are from XXXX  2020-XXXX  2020 which meets the time frame criteria in the cares act. I am asking that credit acceptance please remove those lates as they are the only creditor reporting late payments on my credit profile, hurting any chance of my obtaining new lines of credit.
Product: Debt collection

I received a call today from Williams and Fudge for a balance I may possibly owe to XXXX University. They call repeatedly and Ive talk to ever so reps and explained to them that my hours had gotten cut due to the pandemic. This particular call the rep says, are you not able to pay because you arent working. We can set up arrangements. I tell her Im it able to do that at the moment. She says, well weve been contacting you since XXXX and havent collected any form of payment yet. Once this Virus is over we are going to want payment. I am going to call this company back and file a complaint. That was a tactic to scare me. I can not change my situation. Nor do I have the finances right now to set up and arrangement. They cant bully me into a payment! I feel attacked.
Product: Debt collection

During a divorce my ex wife totaled her car which was financed with Wells Fargo the car insurance was with Wells Fargo also, the divorce was in XXXX and XXXX in XXXX XXXX  sued and garnished my check stating they owned the debt in XXXX Wells Fargo contacted me to make sure that no other insurance was on the car at time of wreck because they were in the process of filing a claim on the totaled car. 2 separate companies trying to get money for the same debt, who owns the debt and is that not fraud?
Product: Credit reporting or other personal consumer reports

I just looked at my Experian credit report on XX/XX/year> and noticed a hard inquiry on my credit report that doesn't have a permissible purpose according to the Fair Credit Reporting Act. Anything furnished on my consumer report must have a permissible purpose according to 15 USC 168 1B. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NV XXXX XX/XX/year> Account Number : # XXXX Phone Number : XXXX Amount : {$1300.00} Please delete this hard inquiry because it doesn't have a permissible purpose according to 15 USC 1681 B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit for years trying to keep payments on time paying off vehicle loans credit cards credit, it does not matter how much you pay off or down how many credit cards you get at ridiculous interest rates to build your credit your credit score goes down it never gets pass XXXX or XXXX because then you as a person of XXXX might get decent interest rates be able to afford something live better for old inquiries it stays on you credit never mind it takes your score down it's left on there for what reason, how long are the credit bureauls going to keep practicing rasism with people of colors scores my score is the same as in my XXXX it never went to a XXXX we start at 0 with high interest rates hospital bills have know become a new way to keep  these XXXX pesticides along with hard inquiries and stuff you don't know where it's coming from then you have to keep fighting to get it off even if you have insurance I have 2 hospital bills on my credit the whole time if been going to the doctor under the same medical insurance and these remain on my credit, we are being pushed out and given the highest interest rate and America says they are takeing care of all no you take care of XXXX America is you give us the lowest, this system that was put in place to systamaticlly take down as many XXXX and XXXX Americans with its unfair practices needs to be taken down and replaced with a system based on equality not XXXX because all 3 beaurals are guilty of this practice you pay off bills and your score drops no this was built to keep us just where we are at poor
Product: Debt collection

The original loan XXXX {$9500.00} and was taken out the end of XXXX. The insurance company sent you two checks, one for {$7400.00} and the second check was for {$1700.00}. These two checks total {$9300.00}. I also paid over 24 monthly payments On this loan. Where is all the overpayment money? Why did I receive several phone calls from a lady from your company requesting I pay her {$2000.00} over the phone or she would ruin my credit? I have the dates and times of phone calls. She said they never received a check from my insurance company but the insurance company provided XXXX  tracking information and a check cashing date. She would only describe the {$2000.00} as other This account was originally removed From my credit reports from my credit reports because of inaccurate information But she followed through with her threats and put it back on my credit report. I do have screenshots of my credit reports where my XXXX account was completely removed and then put back on my credit after her threatening phone calls using a start date XXXX instead of when the original auto loan was opened in XXXX. Also, not providing complete or accurate information when put back on my credit report. Please advise thank you
Product: Credit reporting

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXEquifax XXXX XXXX XXXX XXXX, XXXX XXXX report # XXXX recently submitted a request for investigation of an Acct Number : XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # : XXXXI 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Atter discovering negative and unauthorized information on my credit report -Accounts Listed Below-, I suspected identity theft and immediately contacted Experian to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
- INCORRECT ACCOUNTS LISTED- 1.Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 initially had a student loan with XXXX XXXX XXXX ( had set up automatic payment and deferment on the account. ). Eventually, XXXX XXXX XXXX sold the account to XXXX XXXX XXXX. ( I was not notified of the action ) as I was overseas. A credit reporting of 180 days late was reported on my credit report.
Product: Money transfer, virtual currency, or money service

Im writing to express my concern regarding Zelles handling of my transactions and disputes. Having used Zelle for over 5 years now via XXXX XXXX  I have learned of multiple issues however the biggest one being the lack of recourse when reporting incidents involving discrepancies. I was informed that tracking funds and recovering said funds was borderline impossible. Not only did Zelle not have protections in place it allowed repeat offenders to continue abusing their system.
Product: Mortgage

Good afternoon. I really need your help. My name is XXXX XXXX. My husband bought a house at XXXX XXXX XXXX XXXX XXXX XXXX California in XXXX. In XXXX, he took a loan in the amount of XXXX from XXXX XXXX, and a year later he could not repay it, as covid began. We tried to negotiate, asked for a delay, but they refused there. We had no choice and we filed for bankruptcy. During the bankruptcy, my lawyer XXXX XXXX hid from us that XXXX sold our house for XXXX and the price of our house was XXXX, we did not know about this and continued to pay our mortgage. In XX/XX/XXXX we were kicked out of the house. We were waiting for the trial, which should be on XX/XX/XXXX, but the day before the trial, we learned that the case was closed. Although I watched our XXXX XXXX XXXX XXXX was away on those days, he was on vacation. XXXX XXXX 's lawyer deceived the judge and her man forged his signature. We no longer have the money to fight these people. We are American citizens. We have two kids. We believe in the power of the law. Help take back our home. I will send all documents upon your request. 
My phone is XXXX
Product: Bank account or service

I opened up a money market account at First Niagara Bank in XXXX XXXX CT on XXXX/XXXX/2016. I was told that the APY interest rate was 1.01 % based on the advertisement in the XXXX XXXX as well as a verbal discussion. There was no mention that the rate was related to compounding and this was confirmed verbally with the bank officer. And that taking out the interest monthly would not affect the rate that I was to receive. After 33 days of " interest '', from XX/XX/XXXX to XX/XX/XXXX, I received not XXXX of 1.01 % but rather XXXX of 0.81 % and my printed statement says that my APY is now 0.81 % not the 1.01 % I was expecting. 
The interest I received was XXXX % LESS that I was expecting. The difference in the amount of money is not very much but First Niagara, in my opinion, lied to me with false advertisements and false verbal discussions, apparently to get me to put my money into a seemingly high interest money market account. Multiply this by XXXX customers and XXXX dollars and the amount of money they defrauded consumers could be very substantial. In my opinion, First Niagara deceived me and its customers and violated honest banking practices.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : THE FOLLOWING ACCOUNTS ARE IN VIOLATION OF MY CONSUMER RIGHTS! 

I DEMAND THESE ACCOUNTS TO BE UPDATED TO FULLY PAID AND 100 % PAID ON TIME! 

ACCT : XXXXXXXX XXXX ACCT # : XXXX ACCT : XXXX XXXX XXXX ACCT # : XXXX ACCT : XXXX ACCT # : XXXX ACCT : XXXX ACCT # : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB management services ( collection ) was included in my Chapter XXXX bankruptcy on XX/XX/2021. This bankruptcy has been discharged including this debt. NCB CONTINUES to report this account as open and derogatory. NCB can not legally collect on a debt discharged in bankruptcy they are violating my consumer rights and the FCRA laws.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 XXXX  Balance Owed : {$73.00}
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX # XXXX - BALANCE {$6900.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are reporting by Credit Reporting Agencieswithout my consent or written prior authorization. 

Pursuant to 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. 



XXXX XXXX XXXX, south carolina for XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, south carolina for XXXX XXXX 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate late payments. Each credit bureaus has different months being reported which is inaccurate and needs to be removed as the FCRA law requires. 

XXXX XXXX XXXX is showing that XX/XX/2017 is OK but XXXX is reporting that is was late. However these late payments are an error. 

USAA SAVINGS BANK Is reporting 60 day late payments for 4 consecutive months in 2017 which is inaccurate. How is that possible? Please remove these inaccurate payments. 

XXXX Has yet to provide any signed documents that this account belongs to me. No itemized bill is acceptable, but an actual signature is required by law. 



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

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have submitted the applications the leander sent me directly to my email that they wished for me to fill out to change the late payment status to my car notes there are 4 of them due to covid crisis. ONCE DONE WITH THERE DOCUMENTATION no results occurred. And I was told to write a 601 goodwill letter over the phone.I did write this letter over 45 days ago.Aslo I have choose to get help with them before I submitted this claim today Unfortunately they simply TOLD ME APPLYING at cfpb would be best. This is Ridiculous I have lost 125 point before I can finance a new home during covid. And have been taking the proper steps the company has not.
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. 

XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX late 30 days somewhere between XX/XX/XXXX and XX/XX/XXXX is incorrect. The charge was unauthorized and I was not properly notified.
Product: Credit reporting or other personal consumer reports

I called to dispute a hard inquiry and doing so I gave the employee all of my information that employee took it upon himself to lead me into believing he was going to remove the inquiries and unfortunately he added another one the same day we spoke XX/XX/XXXX I have a hard inquiry from the Bank of America unfortunately, the employee did not remove anything, but instead added more hard inquiries hes violated my rights and something should be done, To fix this, and that employee also should be looked into..
Product: Credit card or prepaid card

There are two Unauthorized Transactions on my Coinbase Card. First unauthorized transaction is {XXXX} on XX/XX/2021 from merchant XXXX and the second unauthorized transaction is {XXXX} on XX/XX/2021 from merchant XXXX as well. I never made the purchases with the merchant. Its a scam website. However, Coinbase responded nothing to me after I officially told them those two transactions are unauthorized transactions. Please help me from the financial fraud. Coinbase should take actions to get my money back. However, they are not doing that. Its so bad!!!