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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally file a complaint and seek assistance regarding a data breach that recently exposed my personal information. I am deeply concerned about this breach and its potential impact on my privacy and financial security. 

Specifically, I have been informed that my personal financial data, which is protected under the Fair Credit Reporting Act ( FCRA ), was compromised during the data breach. The exposed information includes personal demographic information, financial history, credit, etc. 

According to the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I understand that consumer reporting agencies and any entities collecting and sharing consumer information are required to maintain strict safeguards to protect the privacy and security of personal data. Under 15 U.S.C. 1681b, entities must take steps to prevent unauthorized access and disclosure of such sensitive information. 

Given the circumstances, I request that the Consumer Financial Protection Bureau take the following actions : Investigate the circumstances surrounding the data breach to determine whether any laws under the FCRA were violated. 
Remove all collection, bankruptcy, charge-off, and late payments from my credit report as my identity has been compromised Ensure that the responsible party takes appropriate remedial actions, including notifying affected individuals in accordance with applicable state and federal laws. 
Provide guidance and support on the steps I can take to protect my identity and financial information moving forward. 

I believe that the exposure of personal data through this breach constitutes a serious violation of my rights to privacy under the FCRA, and I trust that the CFPB will take the necessary steps to ensure that consumer protections are upheld in this matter. 

Please let me know how I should proceed or if any additional documentation or information is required from me to assist in the investigation. Thank you for your attention to this matter. I look forward to your prompt response. 

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

To whom it may concern, My name is XXXX XXXX XXXX and Portfolio Recovery Associates, LLC ( PRA ) claims they have investigated these complaints and verified the PRA accounts ending in XXXX and XXXX but have not shown full validation by sending a copy of both contracts bearing my wet signature. I have sent multiple letters trying to dispute these accounts but they refuse to remove these items from all credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection agency Credence resources management reported an XXXX debt that is not mine from XX/XX/XXXX for over XXXX under my divorced last name for which I got divorced and stop being XXXX in XXXX! 
I do not have any XXXX accounts, I have a cheap XXXX XXXX XXXX phone. I've been a victim of Identity theft. This is fraud! I have also filed a police report
Product: Credit reporting or other personal consumer reports

In XXXX I discovered I was a victim of identity theft. As a result my information was used/accessed to establish multiple loan/credit/merchant account unauthorized. As of XX/XX/XXXX I was made aware of these items by negatively reporting on both XXXX and Equifax credit reports. I reached out to the bureaus and with no success I decided to hire a credit repair company where some of the information from the same company ( ies ) was/were removed however they were unable to remove the other accounts. I then continued to reach out via mail/phone calls/email to resolve my concerns from XX/XX/XXXX to more recent XX/XX/XXXX. I have sent multiple letters via certified mail just to continue to receive " Consumer information verified by merchant, Consumer disagrees '' statements on my credit file ( s ). To date neither the merchant or credit reporting bureaus have been able to provide me the information to verify any identifying documents to address these concerns. After spending money/time no one has been able to amicably resolve my concerns. Frustrated with the lack of diligence and process my initiatives have gone in vain.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX said he was going to buy 2 cars for us in an auction, he received the money and never gave us the cars, now he does not answer our calls. He has 13 open cases in MD court. He is a professional scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I filed a police report because I noticed multiple inquires on my credit report due to fraud after numerous calls & complaints my problem of this inaccurate information is still showing on my credit report because the XXXX at Equifax refused to delete & remove them off of my report they keep stating that they removed the items but when I recheck my credit report the inaccurate items or still there my next step will be to take legal action against them for violating my consumer rights & defamation of character from the time period back on XX/XX/2020 I also followed up on XX/XX/2020 with a FTC report regarding the same fraudulent inquires after there reinvestigation they again told me that the inquires were removed & after rechecking my credit report the got XXXX inquires are still there they didn't remove anything.
Product: Debt collection

I was in the process of refinancing my house and the company doing ran a title and lien search upon receiving the report there were a number of liens one in particular is for XXXX XXXX XXXX from XXXX XXXX XXXX now she is not on the title, deed, or for that matter any mortgage loan papers now she is my wife and she can not find any paper work notices or otherwise on this matter
Product: Money transfer, virtual currency, or money service

The trust wallet are not helping me to unstack my XXXX, or transfer my coin to another wallet. I pay {$150.00} totheir chosen bank and to pay fees, but threy blocked it, and putting other road block to close my account! Their bank, XXXX, doesnt return my messages. Just say your verification is rejected and dont return any of my messages. 
Trust Wallet 's main reason for blocking me for any action is that I dont have enough money to pay for my fees! I am doing what ever they through at me, but they come up with another roadblock! 
I asked them, why cant you unstack my XXXX then take your fees or let me transfer my ETH, after you take your fees?
Product: Credit reporting or other personal consumer reports

XXXX continues to report old accounts, or accounts that were already resolved and removed from my credit report.
Product: Credit reporting or other personal consumer reports

15 U.S. code & 1681c-2 a consumer reporting agency shall block the reporting of ANY information in the file of a consumer that the consumer identifies as information that resulted from an ALLEGED identity theft, not later than XXXX business days after the date of receipt ; by such agency of EXPERIAN. It has been 30 days and they are in violation of this law because I am a victim of identity theft. Please see that these items are DELETED immediately .These accounts should not be furnished on my consumer report as they are in violation under 15 u. .s. code1681b permissible purposes of consumer reports [ a ] IN GENERAL to subsection [ c ] any consumer reporting agency may furnish a consumer report under following circumstances and NO other ; [ XXXX ] in accordance with the WRITTEN INSTRUCTIONS the consumer to whom relates. I never gave ANY consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As a consumer I am DEMANDING the deletion of the accounts listed. 
All XXXX XXXX accounts on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts XXXX IN collections its XXXX items XXXX XXXX XXXX, XXXX, and XXXX. Thank You In Advance.
Product: Money transfer, virtual currency, or money service

I was sent money from my grandmother on cashapp and it was a large amount of money. When i went to use for XXXX shopping ( like a week or two before Christmas ) it said that my moment was suspended due to suspicious activity. I previously had a an issue that required me to email back and forth about a payment I was receiving but they canceled it due to it mentioning a country that they did want to be affiliated with. But I explained through email the reason for that payment and that it wasnt any harm! And I thought they had lifted. But when I called to get this resolved, they said a specialist would email me but I never received an email I also gave them a different email to use just in case the other wasnt working. I called and received the same response for a month! And I need to use the money cause it a large amount! The customer service is not helpful at all!
Product: Credit reporting or other personal consumer reports

Contracts callers Inc. is supplying incorrect information to my consumer report. They have not provided any verification of the alleged debt or validation. They have not supplied any contracts with my wedding signature. They also did not receive consent to report any information on my consumer report. I have never done any business with them whatsoever. They are violating my consumer rights as per the FCRA, the FDCPA, and The Privacy Act 1974. Please see attached.
Product: Vehicle loan or lease

purchased GAP insurance through Wells Fargo. Car was in wreck in XX/XX/XXXX. confirmed with Wells fargo in XXXX that I had Gap insurance and claim would be sent directly to them as soon as my insurance company XXXX sent the police report and claims loss letter. 
recieved confirmation from XXXX in XX/XX/XXXX ( via email ) that they submitted the payment and required documents to Wells Fargo and to expect them to recieve in 7-10 business days. 
continued to receive emails for the next monthly payment, Wells fargo reported to my credit bureau that I was delinquent. 
I have paid every single payment waiting for their GAP department to complete the claim. recieved a call on XX/XX/XXXX from the GAP department stating they never received the proper forms to complete the claim, confirmed with XXXX all documents and payments had been sent. 
Wells fargo refusing to process GAP claim and insisting I own an additional 3 months of car payments until XX/XX/XXXX. I have now filed a complaint with the Office of the President of Wells fargo, my state 's Attorney General 's office ( kansas, XXXX XXXX ) and will be contacting them again tomororw. I have also filed a complaint with the OCC.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c- 1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 


XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 


I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : Name : XXXX XXXX XXXX XXXX Date of Birthday XXXX XXXX XXXXSN : XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I signed a contract with XXXX based on a XXXX XXXX for the amount of {$28000.00}. The XXXX sent a second XXXX XXXX different from what I had contracted. I called XXXX and asked for my original XXXX XXXX to be approved. A new 3rd XXXX XXXX was generated. This XXXX XXXX generated by XXXX was 30 % less than the original and the same {$28000.00}. I called the representative for XXXX and asked how is that supposed to work and if I would be able to add electric water heaters ( the house is a side by side duplex ) and electric stoves etc. The representive informed me the original layout was unattainable due to the amount of energy quoted in contract. I told the XXXX representative to give me a bid on just having solar panels on the South side of the duplex only. I was asked if I own my house ( yes ) and to send pictures ( I did ). The Site Capture states that " Please complete this form as soon as you can. Once complete your solar project will continue. Thank you, XXXX. '' I did not accept this layout and did not complete the form to continue the solar project. I sent a cancel notification on XX/XX/XXXX after XXXX came, unannounced and installed the solar panels according to the second XXXX XXXX. I immediately called the representative and told them they messed up and did not get my approval and installed the panels on the wrong side of the duplex. Now the Loan Company, Sunlight FinancialXXXX XXXXXXXX XXXX is sending information to the Credit Bureau stating that I am 30 days, 60 days or 90 days delinquent on this account. When I complain ( I do not receive billing on the loan ) that the loan is on defer payments waiting for resolution, Sunlight FinancialXXXX XXXX XXXX removes the negative information. Then they resubmit it immediately, generating another request for it to be removed. This not only caused undue stress, as it takes several months for the credit bureau to investigate and for the loan company to reply, but I might need a loan for any number of things. This can affect the percentage of interest charged on a new loan. Please help.
Product: Credit card

I applied for a chase freedom credit card. I was approved and mailed the card. After about two weeks of having the card I went to use it and the transaction was declined. I had never used the card before so I called the automated number for balance information and it said that the available balance was XXXX. I called customer service and was told that all the credit had been used on a balance transfer. I unmediated reported this as fraud as I had never done a balance transfer or used this card. I followed up and was told that the fraudulent activity was removed from the card and a new card was issued. I began using my card. I receive a bill and see that the fraudulent activity is still on my card. I call faud services and they say that an investigation reviewed that the charges were valid as the transfer was to an account in my name. I once again dispute this as I do not have an account in my name to transfer to. They provide new details. I have been transferred from XXXX department to another with no resolution. It has been 4 months since the fraud happened and I do not want to keep making payments each month for fraud activity! I would like to pay and close this account but can not because of these charges.
Product: Mortgage

I complained about Ocwen Servicing harassing phone calls. Once I submitted a claim with the Attorney they began Foreclosure proceedings on my home. I believe I should be protected under the Whistleblowers Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA ... XXXX AND XXXX ... REPORTING INCORRECT XXXX XXXX XXXX DATA INFOR AND NOT MY ACCOUNTS, NEVER HAD ANY PUBLIC RECORDS, REMOVE BANKRUPTCY FROM FILE, SAME DATA  REPORTED 2X ON FILE, OUTDATED INFOR ON FILE, VIOLATES FCRA PROVISION 604,605,607,611 AND 623
Product: Credit reporting or other personal consumer reports

Wrong name on report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX  and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

Experian XXXX ACCOUNTS XXXX  XXXX XXXX not mine XXXX  XXXX XXXX not mine XXXX   XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX   XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX not mine INQUIRIES XXXX XXXX NA XX/XX/2017 unauthorized XXXX XXXX XXXX   XX/XX/2017 unauthorized XXXX XXXX NA XX/XX/2017 unauthorized XXXX XXXX XXXX  XX/XX/2017 unauthorized XXXX XXXX XXXX  XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX//XXXX XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX XXXX XXXX IL XXXX/XXXX  not mine
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ; XXXX OF XXXX XXXX ; XXXX OF XXXX XXXX ; XXXX OF XXXX XXXX ; XXXX XXXX NA XXXX ; XXXX XXXX NA XXXX ; XXXX  XXXX XXXX  XXXX  XXXX ; XXXX  XXXX XXXX  XXXX  XXXX ; XXXX XXXX XXXX  XXXX  XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX  XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX 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

I've reached out to PENNYMAC LOAN SERVICES L and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report. 

Account Name PENNYMAC LOAN SERVICES L Account Number XXXX Account Type XXXX XXXX Date Opened XX/XX/XXXX Late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am composing this letter regarding the account number XXXX that your company is currently reporting to XXXX XXXX XXXX, and XXXX under my name. I am deeply concerned about the derogatory rating associated with this account. It has become a significant source of distress for me. I am particularly worried about the negative impact it has had on my credit, as I was recently denied a loan and my existing credit accounts have experienced increased interest rates. I want to emphasize that this negative rating has caused considerable financial and emotional distress, and it will continue to do so until it is resolved.
Product: Checking or savings account

After submitting my complained finally the BBVA compass agent have left me messages on my voicemail. I found a job finally and my work is from XXXX to XXXX and my work is very detailed oriented and I can not receive calls on my job area. 

After filing my complain someone finally tried to call. I tried to call back after XXXX EST but was not possible. 

I want to continue my complain becuase they only refunded me {$220.00} on XX/XX/2018. And the total amount was {$500.00}. I am still waiting for {$270.00} more. Plus, the account is impossible for me to make a deposit becuase they took out all the features fron the online banking and also when I tried to print the direct deposit form, was not there either. I want the rest of my money back and I want my account restored. This bank has given me problems since the first time I opened the account and I want all my features back. I complained to them and they deactivated everything. All I received was appologizing emails for late response and emails to call the bank, when I am trying to contact the bank they always transfer the calls until the call drops ans they keep emailing to call the bank.
Product: Debt collection

When I answer, the person gives me a name, but refuses to state WHY they are calling. I do know that I owe 2 companies that I plan to pay ; however, when this number calls, they just keep asking ME my name, etc., and refuse to say who they are calling for. 

I therefore am not even sure if they are calling me correctly, for whom they are calling, or who they are. 

It is hard to discuss what I assume is a debt when they do not say what company they represent. They also call SEVERAL times a day, including while I am at work and can not answer the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at the counter at XXXX 's applying for a store credit card and was declined. Not only was I disappointed, but I was confused and upset I went and pulled my credit report and that's when I noticed several things on my credit that are not mine! Not sure how this could happen, but I'd like these things taken off as soon as possible. These items are STILL on my credit report : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX.
Product: Debt collection

this company ( Bonneville Collections ) has failed on multiple levels on the validation of this debt. I have the letters stating the amounts owed are between $ XXXX-XXXX in interest alone every time i 've gotten correspondence from them. Original amount is {$240.00} per original creditor yet they claim its $ XXXX-XXXX??? thats THEIR fees and charges. What gives them any lawful right to do this? .. violation of fdcpa 808 ( 1 ) since i NEVER HAD A contract with the original creditor, so how can they legally do this?. i also have credit reports from XXXX and XXXX for the same dispute cycle stating different amounts owed. How is this possible if their supposedly '' verified!? '' remember all account info is supplied by Data Furnishers per FCRA 623 NOT the Bureaus responsibility. Also the account they have been claiming was from the original creditor is wrong! as i have the original creditor own statement and account number is XXXX digits off.How is it then Validated?