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

Hello - The weak security at Experian Credit Bureau had allowed hackers to get into my Experian account, changed the password and recovery email, and locked me out. Hackers were able to gain access of my credit history, which helped them to attempt to open financial accounts in my name. This happened in XXXX XXXX i called Experian and regained access to my account and i deactivated my account, and file a police report. 

In XX/XX/2024, this happened again with Experian, which i learned after i received an email from Eperian that my account was activated. Soon after more credit inquiries were made into credit history, and more attempt to open accounts in name, and XXXX successful fraudulent account in my name was opened with XXXX. i could not log into my Experian account and my email no longer worked. i filed a second police report. i am in process of writing to Experian to fix this. 

Experian allowed someone else to change my password without notifying me using the email or phone number on file. This is not the standard with most other companies, even ones not related to important matters like finances or credit, where resetting passwords are done through a link to the email on file. the only communication i received from Experian was the email about my account being up again ( after password was changed ), then soon after i could not access it ( after email was changed ). 

I first time i spoke to Experian, the agent did not know how this could happen ; the second time, i spoke to an agent and a supervisor, each either did not acknowledge my concern, did not know how this could happen, argued this could not happen, or minimized possibility of anything done to fix it. 

This is not a new problem with Experian as old articles show.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uncertain as to WHY these late payments are present on XXXX ..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report
Product: Credit reporting

I sent a previous dispute regarding these accounts XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I have added additional information with an updated police report that lists these accounts specifically with the account numbers and an ftc report that has been notarized in may of this year these accounts are fraudulent and need to be removed asap it has caused countinuous issues with my family because of the identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Equifax in regard to my name being displayed on my credit report as XXXX XXXX 1. I was advised to send in a copy of my drivers license and social security card to have this information updated to reflect my correct name as XXXX XXXX. 

On XX/XX/XXXX I filed a complaint with the CFPB in regard to Equifax reporting my name incorrectly. On XX/XX/2022 Equifax responded : PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, DRIVER 'S LICENSE AND/ OR AN OFFICIAL DOCUMENT TO UPDATE YOUR NAME. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 

On XX/XX/2022 I faxed Equifax the required documentation which included a dispute letter, my driver license, my social security card and copy of my passport XX/XX/2022 I sent Equifax the same information AGAIN ( which included my drivers license, social security card and copy of my passport. 

After sending in the required documentation that they advised and listed on the response to my initial complaint Equifax has continuously refused to update my name to report correctly on my credit report. 

I am attaching several PDF documents which include the Equifax fax confirmations and the response letters sent back to mt from Equifax after sending in the required documents to update my name correctly and their response showing that thy are STILL reporting my name incorrectly as XXXX XXXX XXXX. 

XXXX XXXX states that only verifiable and true information be reported. Equifax is reporting unverifiable and untrue information. My name is XXXX XXXX. I do not have a number behind my name. My name on my birth certificate is XXXX XXXX, my name on my drivers license is XXXX XXXX and the name on my passport is XXXX XXXX in which Equifax has several copies of this documentation. 

Equifax is in violation of the Fair Credit Reporting Act. The proof is attached. 
I am requesting {$1000.00} per violation for each month since XXXX when I first sent in the required doumentation to have this information corrected.
Product: Credit reporting or other personal consumer reports

Im submitting a 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 the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXXection 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 blocking the erroneous information that 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 XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX Balance : {$140.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I just looked at my consumer credit report from Experian XXXX XXXX, XXXX. I saw some hard inquiries on my credit report that did not have permissible purpose. I also attached the evidence XXXX. [ XXXX XXXX XXXX XXXX XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXXXXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXXXXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXX  - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXX - XX/XX/XXXX ] Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been notified that the collection on my report was removed previously and they have the records that show this. Still they are allowing another creditor to place the same collection on my account after it has been removed previously. These violations should not be allowed, nor have i been given any explanation on what law allows this, whether fcra or the fdcpa, spelling could be incorrect. But i need it removed like it was previously. Please dont have me pull up my records and take this matter before the courts. The collection from XXXX XXXX university was removed, ergo it stays that way. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I tried to apply for a credit card I was told equifax showed no info one me. Loged into credit monitoring XXXX XXXX   and other shows they have not updated my credit after XX/XX/18 I have called them many times and sent the social card and I'd as asked .... they keep telling me they can't not find my information ... .. Today is XX/XX/18 still being told the same thing
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 1. Equifax took a week to answer my email, even after they said that my account may have been compromised. 
2. I called today because I could not log in, and I could hardly understand the person on the other line.
3. I asked to be connected to a supervisor and when I was getting connected, there was so much static that after a few seconds I had to hang up. 

What is going on with Equifax? What can I do about our accounts. 

Thank you XXXX XXXX
Product: Vehicle loan or lease

vehicle was purchased in XX/XX/2014. XXXX years of payments and the balance has not been reduced at all. Beginning balance was XXXX balance as of today XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I wrote to H.R., the Executive VP at XXXX stating that the credit reporting agency violated my rights as an American consumer by sharing my personal, non public information without my consent. 15 USC 1681 ( b ) Permissible purpose of consumer reports, clearly states that any consumer reporting agency may furnish a consumer report under the following circumstances and No Other. They need your written consent to add anything to consumer report if you did not give this authorization. There is also an exclusion, which states that reporting transactional data is, in fact, illegal. 15 USC 6802 ( a ) ( b ) Obligations with respect to Personal Information and 12 CFR 1022.3 defines Identity Theft as fraud committed or attempted using the identifying information of another person without authorization. Anything added to your report without written Consent is considered identity theft. 15 USC 1681 ( n ) Civil liability for willful noncompliance and in general ; Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of. ( A ) and ( B ). And finally the Privacy Act of 1974 ( b ) Conditions of Disclosure.

On top of that, there are multiple inquiries on my credit report that should not be there. 15 USC 1681 ( b ) Permissible Purposes clearly states that if the consumer does not have an open account with the lender that inquired, they have to remove the inquiry OR send the documentation that they used to verify the open account. I also requested that they remove any address listed on my report besides the one listed on my letterhead, for they are Non-Mailable addresses and should not be there. In my letter I clearly stated that This information was obtained unlawfully and failure to act would make them liable. This letter was sent in XXXX, it is now XXXX, and in their response they claimed that they can basically do whatever they want and no changes were made to my report. This gross negligence has caused immense damage to my quality of life and has hindered my ability to pursue happiness. Willful non-compliance can easily be proven with record of the original letter, their written response, and their failure to comply. I request IMMEDIATE action to remedy this violation of my consumer rights.
Product: Checking or savings account

I have attempted to contact XXXX XXXX XXXX numerous times to stop automatic withdraws from my checking account. I've gone to multiple gyms to try to get this stopped and have paid fees to break the contract of {$100.00}. Yet again the company won't stop charging my account, This has been a reoccurring pattern with this company. 

In XX/XX/XXXX the company was informed by me and my wife that we would like to put our membership on a hold. The manager of the gym told us that it would be done, yet he did nothing. We were charged for 5 months of excessive dues of XXXX a month. Eventually after calling their headquarters office we were able to get the membership on hold. 

InXX/XX/XXXX we attempted to cancel our membership once and for all. The manager said that it would be done. Yet again we are still being charged {$43.00} per month. 

Finally on XX/XX/XXXX we went to a different gym and spoke with a different manager. We paid {$100.00} to break our contract, and promised that we wouldn't be charged anymore. On XX/XX/XXXX we were charged again for {$43.00}. 

I am in the process of attempting to collect receipts for the {$100.00} fee paid and the copy of the contract.
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 : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Mortgage

My mortgage is through XXXX, and today I received an email that my payment is due to a company called XXXX XXXX. I have received no correspondence by phone, email, or in my loan document center through XXXX regarding any company called XXXX XXXX. I have attempted to contact XXXX XXXX since XXXX today, and as of XXXX ( EST ) I have not heard from them. I contacted XXXX, who reports that on XX/XX/XXXX they sent notice that my loan was being transferred to XXXX XXXX effective XXXX but that letter has not been received, is not in my loan documents section of their website, and is well short of the 15 day notice requirements. 

As a result, I am concerned that I'm going to be charged a hefty late fee and have it appear as non-payment on my credit report, given that my checking account automatically pays this bill directly to XXXX and will be past the " grace period '' by the time it is received at XXXX XXXX. 

I have been on hold with XXXX for 28 minutes now attempting to obtain a copy of this notification of transfer, and they are refusing to help me except to say " we can send another copy which will take at least 5-7 business for you to receive ''. I can not get in touch with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 281 SW g715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Student loan

Hello, I learned earlier this week that Navient had not transferred over one of my federally-owned loans last XXXX to XXXX as required under the Public Service Loan Forgiveness program. 

This has the potential to have a major economic impact on my loans. 

I spoke with XXXX XXXX today. He told me they would look into with an expected inquiry completion date of XX/XX/2019. I informed XXXX that under the CFPB definition of a complaint, this should be logged as a complaint. 

XXXX had tried to initially tell me that I was not yet eliglble for loan forgiveness. Luckily, I know what I am talking about. So I informed him that under the PSLF regulations, Navient is required to transfer all my loans to XXXX. 

The Student Loan Servicing industry is a mess. 

My name is XXXX XXXX XXXX, XXXX. 

You may publish this with my personal details redacted. 

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

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX [ XXXX, Tx XXXX XXXX XXXX XXXX TransUnion TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX Subject : Dispute of Inaccurate Information Under the Fair Credit Reporting Act Dear TransUnion, I am writing to formally dispute multiple accounts listed in my credit report that I believe violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ). The accounts below have compromised my rights to privacy and confidentiality as established under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the FCRA : 15 U.S.C. 1681 Section 602 ( A ) states that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that predates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish information relating to a consumer to any reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

These provisions indicate that the accounts listed above may have been reported without proper verification or in violation of the time limitations set forth by the FCRA.

I request a thorough investigation into these matters and ask that you provide me with the results within 30 days, as required by law. If any inaccuracies are confirmed, please ensure that they are corrected or removed from my credit report.

Attached are copies of any supporting documentation that may assist in your investigation. 

Thank you for your prompt attention to this matter. 

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

I am filing a complaint against cash app ( XXXX XXXX XXXX to inadequate customer service unfair practice which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their disputes resolution was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions has caused significant inconvenience and financial loss and i seek appropriate redress for those violations
Product: Money transfer, virtual currency, or money service

Truist Bank Legal Dept. 
XXXX XXXX XXXX XXXX, VA XXXX I am filing a complaint against two employees from two different branches for denying me enrollment in ACH and wire transfer services for a business account I had opened. On XX/XX/24 I went to your XXXX branch located at XXXX XXXX XXXX, XXXX, Md. XXXX. I met with a XXXX XXXX who told me I had to wait a 30 day period or so. 

On XX/XX/24 I went to your branch located at XXXX XXXX XXXX, XXXX, Md. XXXX. I met with a XXXX XXXX. He told me I had to speak with the back office and he would contact them to give them my information to contact me. That never happened. I have come to the conclusionTruist bank does whats called PROFILING.

I feel insulted for being turned down for enrollment, for the way I look! 

On XX/XX/24 I decided to call your customer service department and they told me all I had to do is go into a branch and provide the proper ID and I can enroll in your ACH and wire transfer services. She asked about the branches I went to and I told her I went to the XXXX branch and she called the branch to inquire about who I met with and XXXX XXXX didn't remember me. I made a deposit with her as she said I needed to do. 

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

All 3 credit bureaus refuse to remove a student loan ( Acct. # XXXX ) that was paid over 3 years ago which the provider promised to remove from my report upon payment. The U.S. Department of Education, XXXX, and XXXX  says is nowhere to be found. XXXX refuses to allow you past the automated operator. Equifax refuses to take my info or evidence, and XXXX wants me to pay {$30.00} which I am not gon na do. I can no longer dispute this account because it has already been disputed.