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

I was notified of a data breach of my information, and some account was opened in my name. I contacted the institution and had the account closed after a internal investigation had been completed. As a result, the inquiry is the last thing needed to be removed as the account is now closed. Inquiry that needs to be removed is XXXX XXXX XXXX : XXXX XXXX, 2023 on my TransUnion credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Equifax allowed XXXX XXXX to relist an item on my credit report that was already removed by all 3 major credit bureaus due to inaccuracy. I provided an FTC report and message from XXXX XXXX police department along with my ID, proof of residence, and statement that this not my account and Im a victim of identity theft. I supplied the Equifax with the letter provided to me through identitytheft.gov as well as notice to furnishers documents. By XX/XX/XXXX, I submitted another dispute telling Equifax I expect immediate removal as I have not received any documentation from the creditor OR Equifax validating the reason for reinstating the account. 


As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which I enclosed, I requested that the item be removed by Equifax and blocked to correct the information. Additionally, the reinsertion of this fraudulent account without substantial verification violates 15 U.S.C. 1681s-2, which mandates furnishers of information to provide accurate data. XXXX XXXX has failed to prove to me that this account is legitimate, yet Equifax has allowed its reappearance on my credit file.
Product: Credit card

I had a dispute come across my card on XX/XX/2023 for a total of XXXX at a XXXX that I did not make and I promptly reported it to the credit card company in hopes to get this issue resolved in a timely manner but that is far from what has happened. It is now XXXX  months later and nothing has been told to me about anything with this and I want to be able to have that credit back in order to pay bills. I feel as I am at a disjustice as I am being penalized for a stolen card that was properly closed and reported immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX ( XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Comenity Bank has called repeatedly, surpassing the number of calls allowed in a week after being told to not contact me by phone and to stop calling repeatedly. 
Here are the recent calls : XXXX - 7 times XXXX - 4 times XXXX - 4 times XXXX - 5 times XXXX - 7 times XXXX - XXXX - 9 times This occurs daily and despite being told they are harassing me they continue to call repeatedly
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed. 

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. CoreLogic, XXXX and XXXX XXXX, are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, the XXXX XXXX and XXXX XXXX Credit Card are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. CoreLogic, XXXX and XXXX XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ).

CoreLogic, XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting company Equifax used my report improperly, and divulged my information without my consent. They also spent too long ( months ) before making me aware of this fact, during which time I could have placed security freezes on my credit. 
This has resulted in compromised security to my finances, my credit, and my health.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00} inquiry XXXX XXXX XX/XX/XXXX Personal Information Also Known As : XXXX XXXX Previous Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

COMPANY XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : XXXX XXXX OF XXXX GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART XXXX XXXX ME THE RIGHT TO OPT OUT. 
-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF XXXX XXXX.
Product: Mortgage

I have a conventional mortgage with NewRez. In XX/XX/XXXX they placed a Lender based Insurance on it even though we have no escrow as we pay our own through XXXX XXXX. They never informed us. Then in XXXX I noticed that the payment had changed from {$1200.00} to {$2700.00}. I got on the phone on XX/XX/XXXX and after 1 hour they told me they needed the HOA/association insurance papers not mine. I sent it to them. Nothing happened. No action no adjustment. Called them back XX/XX/XXXX was told they needed another year of HOA sent them that immediately, no action, then on XX/XX/XXXX called as payment was pending. Was assured its all fixed but no the payment was pulled extra {$1400.00} and also insurance has not been refunded. Now its XXXX still nothing, payment still shows as {$2700.00}.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Equifax Data Breach and Consumer Protection Dear Sir/Madam, I am writing to file a formal complaint regarding the Equifax data breach that occurred in [ insert year of breach ]. As a result of this breach, my personal and financial information was compromised, leading to significant concerns about the security of my data and the potential for identity theft and fraud.

Specifically, I am concerned about the following issues related to the breach : Inadequate Notification : I was not promptly or adequately informed by Equifax about the breach or the steps I should take to protect myself and my credit information Failure to Provide Adequate Monitoring/Protection : Equifax has offered services such as credit monitoring, but Ongoing Impact : The breach has led to law code 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Money transfer, virtual currency, or money service

I use www.coinbase.com currently and they have allowed me to add my bank account XXXX account and have verified all my personal info license etc. They allowed me to invest around 5-6k in their service. After gaining some through investments 5-6k turned into around 8k I Was able to withdraw around 4k of that. Now they are literally holding my account XXXX. I have reached out to them via XXXX, XXXX, their official support tickets, and their phone numbers. They have never even began to fix a resolution. When they reply if they do it is meaningless and then they go dark again. All in all they are literally holding my money XXXX and have locked my account disallowing me to readd financial credentials or to do anything with my money whether it be sell or send. I just want my money back that 's all it is so stressful as that is a lot of money for me. This has been going on for about a month and the email associated with coinbase is XXXX. Please help me as I really need this money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CREDIT MANAGEMENT LP, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CREDIT MANAGEMENT LP,  XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold this account to a collection attorney. This account is showing on my credit report as, Account charged off. {$10.00}, XXXX written off. {$6.00}, XXXX. Since this account was written off /charged off, XXXX XXXX failed to provide me with a 1099c tax report. This inaccurate information was reported to all credit bureaus affecting my score and lending opportunities. I am requesting a copy of the 1099c. For accuracy purposes, the 1099c report must be provided to me for further tax review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting two inquires from XXXX XXXX XXXX XXXXXXXX XXXX on my credit report. One inquiry was made on XXXX XXXX, XXXX and the other was XXXX XXXX, XXXX. I never authorized XXXX XXXX XXXX to pull a hard inquiry. Can you please delete those two inquires from my credit report? It is hurting me.
Product: Payday loan, title loan, personal loan, or advance loan

I contacted them about the problem they keep adding fees and different charges that keeps making my loan go up whenever I pay it when I pay it it goes right back up to the same amount making it impossible to pay over because it never drops down.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in a letter to XXXX, XXXX, and Equifax. To have my information verified it has been 30 days with no comply they are not obeying the law.
Product: Debt collection

I was checking my yearly credit report and found out there was collection on my credit report i decided to call to find out why was this on collection they did not tell me anything they wanted me to give them my social security number and date of birth I refused it and was not sure what i was dealing with since i know i dint owe anyone especially hospital since i know i have insurance thru the state XXXX XXXX i doesn't even say when this bill was from they would not give me no information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going through a divorce and trying to refi my current home. While waiting for my divorce agreement, I made my XX/XX/XXXX payment to XXXX   XXXX  XXXX.

After a few days, I had noticed that the funds were not withdrawn from my account as they had always been in the past. 
I called a few day later only to be told that with the holiday ( XX/XX/XXXX ) and Covid, it could take up to 10 days to get the funds transferred. I was told to call back after that. 
I did. 
Worried about the transaction, I went ahead and made ANOTHER payment to my mortgage to make sure that the XX/XX/XXXX payment would NOT be counted against my credit. 
That 2nd payment was applied to my XX/XX/XXXX payment ( while leaving my XX/XX/XXXXpayment still " unpaid ''. ) I then get a notification that my XX/XX/XXXX payment did not go through because I had changed bank accounts ( an old to new ) to take my soon to be ex wife off of the checking account. The bank, XXXX XXXX XXXX, mistakenly did NOT forward the mortgage payment over thus resulting to the " late payment ''. I called XXXX on XX/XX/XXXX and tried to straighten this out. I AGAIN called back on the XX/XX/XXXX and was told by XXXX that if the funds were made immediately available to XXXX, and they could access them, they would take care of the problem. I called my bank and within 24 hours, the funds were transferred to XXXX. I specifically said 2 to 3 times that I can not have this effect my credit and was assured that it would not. 
On Monday, the XX/XX/XXXX, my credit received a blemish from XXXX XXXX   XXXX. 
I called back and was by XXXX, that I needed my bank to fax over the explanation and that would then fix the situation. Within 24 hours, my bank 's branch manager faxed over the needed paperwork. I called back AGAIN and was told there's nothing they could do. 
I have called XXXX XXXX XXXX  no less than 3 more times since then only to be told they'll investigate and let me know. 
I have explained to them that I am in the midst of a refi and have only until XX/XX/XXXX to get all of this straightened out otherwise I will lose my refi. 
I was told again today that this process will now take 30 to 45 days. 
I have been getting the run around from the beginning. 
Had they told me not to call back in 10 days, this would have been handled right away and since then they will not live up to their word. 
In the mean time my credit has been hit for over 80 negative points and my refi is now cancelled unless this gets reversed. 
Many please to XXXX XXXX XXXX  have been listen to and then dismissed with little to no help at all. 
How can they do this when I've done everything they have asked me to do ... and above and beyond? 

Sincerely XXXX XXXX XXXX
Product: Mortgage

I have put in two separate loan applications on two separate properties with XXXX XXXX at Sunstreet Mortgage. On both occassions we have informed XXXX that I had a prior VA loan and VA foreclosure. My real estate agent informed him as well as she referred us to him. XXXX has also contacted the VA to discuss the foreclosure as he originally told us the VA requires a 6 % downpayment for prior VA loan that resulted in foreclosure. I say this to say that XXXX knew I had a prior VA loan and still quoted us what I know now is the 1st use and not the 2nd use VA funding fee on both loan estimates. This made his loan estimate look better than other loan estimates I received. XXXX then sent us a revised loan disclosure statement and when we inquired why the VA funding fee had went from {$7500.00} to {$11000.00} he cited a change in circumstance stating he thought I was a first use and that he had just received the Certificate of Eligibility from the VA stating otherwise. When we reminded him of the several different occassions that support him having known about the prior VA, he stated that we lied on the prior applications and that I verbally told him I did not have a prior VA loan. In addition, he received the Certificate of Eligibility on XX/XX/XXXX. He did not make the Revised Loan Disclosure Statement and Estimate available to me until XX/XX/XXXX. He is required to make it available within 3 business days of having known of the change in circumstance which would mean he should have made it available by XX/XX/XXXX. He is in violation of the tolerance levels under the TRID rules as they relate to the VA funding fee and disclosures.
Product: Checking or savings account

Tried to transfer money from savings into my checking account. They refused to release my funds into my checking account and they refused to release the funds to me. Their claim was that my money was fraud
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found a multitude of errors listed that is a direct violation of my federally protected consumer rights. 

For example : According to 15 USC 1681a 2 ( A ) ( i ), the term " consumer report '' should not include reports containing information solely about transactions or experiences between the consumer and the person making the report, except as provided in paragraph ( 3 ).

In regards to 15 USC 1681a 2 ( A ) ( i ) : EXCLUSIONS from Consumer Report. You are in direct violation of FCRA 15 USC 1681a 2Ai by including transactions and/or experience ( transactional ) information in my consumer report, which is explicitly excluded by XXXX. 

Delete ALL erroneous data of late payments and balance data from the following account/s within XXXX calendar days by updating the payment history to current XXXX & XXXX the balance information listed. 

( SEE ATTACHED ) ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I obtained my consumer report and noticed several items on my report that do not belong to me. I had contacted the 3 major credit bureaus ( Experian, XXXX, XXXX ) notifying them letting them know that I am a victim of identity theft. I also reported this fraud to the Federal Trade Commission and obtained a identity theft report # XXXX. I sent the bureaus a copy of the identity theft report and response I either received generic responses via mail and email such as : the information was verified, misrepresentation of my identity theft report, and someone else ( third party ) disputed this information on my behalf which is all false. After recently contacting the bureaus via telephone was told by a representative that I need to document this theft with my my local police department. I file a report with the XXXX Police Department report # XXXX. Both reports are attached. I have also contacted a attorney in the attemp to file a civil suit against the 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sharing my information without my consent, reporting false inquiries on my Consumer Report Damaging my credit score with false information.
Product: Checking or savings account

There is something strange on how USAA does their banking for their customersthey show every transaction that clears your account but they do not show you the details on anything they return as nsf. Example : My direct deposit hits my account Bi weekly on Thursday funds are available on Thursday. I paid my mortgage payment on the first of XXXX. Per my mortgage company they submitted the payment to their bank on the XXXX of XXXX and their bank transmitted the payment to USAA on Thursdays to be paid. My direct deposit was in my acct and available on the XXXX of XXXX. I checked online and my mortgage payment had not hit my account as of yet. The next day I see a XXXX nsf fee saying mortgage payment was returned?? How?? My money was available and per online banking my mortgage payment had not hit my account how could it have not cleared. According to USAA they do not show you online or via bank statements on when items are presented or returned to the customers all they show is the nsf fee you incurred. When I asked the agents why they do not have an explanation. So if my mortgage pmt did hit on the XXXX of XXXX when my funds were available I would not know and it is designed for you not to know so you can not fight it. Per their corporate resolutions team they agreed but told me they have been doing business this way for yearsthis is a class action law suit they are doing this to access fees to their customers and you have no way of fighting it since the do not provide details of the transaction. This is deceiving the consumer and something needs to be done
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts that are listed on my credit report and the letters that I have attached. Here are the issues with the following accounts XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Payment : {$510.00}, Issue : Date open and/or High balance is incorrect ( This account is listed by the Original Creditor and the collection agency they sold it to ) XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$550.00}, Payment : {$550.00}, Issue : This is a duplicate account XXXX XXXX , Date : XX/XX/XXXX, Account # : XXXX, Amount : {$210.00}, Issue : This account is not mine XXXX XXXX , Date : XX/XX/XXXX, Account # : XXXX, Amount : {$210.00}, Date : {$210.00}, Issue : This is a duplicate account This information was disputed and came back as verified as with no proof furthermore this information is inaccurate. Some of this information is reported twice and I know that is not supposed to be.