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

I am absolutely appalled and deeply disturbed to formally highlight a series of appalling concerns regarding the recent Equifax data breach and its devastating impact on my personal and financial information. As you may be aware, Equifax has negligently allowed a significant data breach to occur, exposing the highly sensitive personal information of countless consumers, myself included. Additionally, I am actively involved in the ongoing class action lawsuit arising from this egregious breach.

Violation of My Consumer Rights My profound discontent and outrage arise from the despicable breach and subsequent illicit dissemination of my confidential information, including but not limited to my name, Social Security number, and other intimate particulars. This reprehensible act constitutes a blatant infringement upon my legal entitlements enshrined within the esteemed Fair Credit Reporting Act ( FCRA ), the Identity Theft and Assumption Deterrence Act, and various state statutes safeguarding consumer interests. The sanctity of these legislative provisions is paramount in shielding individuals against the malevolent exploitation of their personal data and in upholding the imperative mandate for credit reporting agencies to furnish precise and current information.

Particularly, according to the FCRA ( 15 U.S.C. 1681e ( b ) ), credit bureaus are obligated to guarantee the precision and entirety of the details they disclose, and to eradicate any erroneous information from consumer reports. The infringement has jeopardized my personal information to the peril of identity fraud, and consequently, I am demanding prompt measures to rectify the inaccuracies and transgressions on my credit record. 

Class Action Lawsuit and Impact on My Credit Report Being a victim of the class action lawsuit against Equifax and other accountable entities, I demand restitution for the harm inflicted by the breach and the infringement upon my consumer rights. Apart from the overarching privacy and security transgressions, I am deeply troubled by the falsified portrayal of details on my credit report stemming from deceitful or flawed actions that potentially arose as a result of the breach.

According to Section 605 of the FCRA ( 15 U.S.C. 1681c ), should any data on my credit report be determined as erroneous or inadequate, I possess the privilege to challenge it and petition for its elimination. Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) grants consumers the ability to have any deceitful or inaccurate entries expunged from their credit report in the event that they have fallen prey to identity theft. 

Request for Removal of Accounts and Late Payments
Product: Student loan

I suddenly stopped receiving statements from navient. At the time that I had stopped receiving them is also to time that I had seen articles of them being involved in a lawsuit. So thinking it had to do with that, I waited. Now they suddenly start sending statements again and have fees attached. Its 2 months behind. Something that would have never happened nor had ever happened before.
Product: Debt collection

Chase issued a XXXX cancellation of debt in 2014, which I included in my taxes for the year. Chase continues to report the full balance owed on my credit report. I have written back and forth with Chase even to ascertain whether some settlement could be reached, I was denied.
Product: Payday loan, title loan, or personal loan

I ordered an XXXX laptop and used Affirm to pay the purchase off on installments. The laptop was supposed to be delivered using express delivery on XX/XX/2022, but the date was changed to XX/XX/2022 then XX/XX/2022. So I canceled the order with XXXX then immediately contacted Affirm to request my first payment be refunded that I made on XX/XX/2022. Affirm informed me they had to open a dispute then canceled my autopay until the dispute was resolved. They asked me multiple times to upload the same documentation showing I contacted XXXX as well as all attempts to cancel the order along with XXXX 's response. I provided the information multiple times including documentation that the order was canceled as requested after a lot of back and forth with XXXX. Affirm then asked for XXXX 's shipping and cancellation policy which I also provided. XXXX is XXXX of Affirm 's preferred merchants. Once I provided everything a second time I was told I need to wait until XXXX returns their money before my refund can be processed then it will take 3 to 10 business days. After receiving their money, I get an email stating the transaction failed so I need to verify the address for a check to be mailed in 16 business days. Please keep in mind the same payment method used to make the first payment as well as the address are both on file. Nothing has changed and this isn't my first order with them. When I contacted them because no attempt was made to my bank, I was told it was done automatically and the only error provided " Processor error '' so it needed to be mailed. When I asked how's that possible same system received my payment. He couldn't say. It's nerve racking negate he kept reading from a script. So I provided my address and told him it's the address on file since opening the account. This company appears to want to keep my funds as long as possible before returning them. I don't think the credit was attempted on my account but part of their delay tactics. When I asked that my account be closed as soon as my check is mailed, I told I'll have to call back to do that.
Product: Debt collection

XXXX   had  XXXX  separate glitches and my inquiries were deleted and then re-added to my report once the glitch was discovered.   XXXX   failed to notify me in writing 5 days prior to re-adding the inquiries to your report that they were intending to do so. This computer glitch that was   XXXX   XXXX   problem - not yours - caused my inquiries to be deleted. XXXX  later added them all back onto your credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted  XXXX  in good faith to ask them to delete the inquiries that they had illegally re-added.    One for Capital One Card f or  XXXX   XXXX ,  2016 . I spoke with agent  XXXX  as well as her supervisor  XXXX .   These inquiries add a hardship and that your rights were violated by  XXXX .
Product: Credit reporting or other personal consumer reports

Between the dates of XX/XX/2023 - XX/XX/2023, XXXX shared my personal information, name, address, date of birth, credit score, and transaction history, approximately XXXX times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage. 

Between the dates of XX/XX/2023 - XX/XX/2023, EXPERIAN shared my personal information, name, address, date of birth, credit score, and transaction history, approximately XXXX times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage. 

Between the dates of XX/XX/2023 - XX/XX/2023, XXXX shared my personal information, name, address, date of birth, credit score, and transaction history, approximately XXXX times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Subject : Dispute Letter Regarding Identity Theft and Security Breach To Whom It May Concern : I am writing to formally file a dispute regarding identity theft and the unauthorized exposure of my personal information due to a security breach. I request your immediate assistance in addressing this matter and ensuring the correction of any adverse consequences resulting from this situation.
Product: Mortgage

My problem began when the loan process started. I am a XXXX XXXX XXXX XXXX for my client and the buyers for my client 's house used this particular lender to obtain a loan. The communication was minimal since XX/XX/XXXX. I reached out asking for an XXXX XX/XX/XXXX and XX/XX/XXXX and XXXX. I was ignored every time. I also was told the lender was getting XXXX XX/XX/XXXX and that the lender could close the loan early. Come XX/XX/XXXX at XXXX ( we were supposed to close XX/XX/XXXX ) the lender informed me he has no way of closing because the closing disclosures were not signed ALL day the day before. He also was unresponsive 11 times via text messages ( our main form of communication ) and XXXX time via email. He said we would be closing XX/XX/XXXX and now we are in the process of not being able to close until XX/XX/XXXX but it's not guaranteed. The lender is not doing what he can to close the loan within the timelines he agreed to.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below Creditor Date of Inquiry XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian, XXXX XXXX XXXX XXXX Experian XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, This is a formal letter requesting an investigation into the loans listed with the account numbers : XXXX XXXX I never took these loans out. I sent electronic communication to UAS via the online portal, and they directed me to a website to view my MPN. I clicked on the link and it wants me to SIGN one, not view one that has already been completed. 
ALL of my student loans are through Navient, and if there are any listed with my name and SSN with this company, they are fraudulent and I need to know the dispute process to get these removed from my name and my credit report. 
Thank you, XXXX XXXX
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 : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I asked XXXX, XXXX and Equifax to remove the below inaccurate information from my report about 2 months ago. I haven't heard anything back from any of the bureaus. 


1. The following account is not mine XXXX Amount : XXXX XXXX Contact Date : XX/XX/2020 2. The following account is not mine XXXX XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 3. The following personal information is incorrect 09 XXXX XXXX XXXX   XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 4. The following personal information is incorrect XXXX XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020. 

5. The following personal information is incorrect 11 XXXX   XXXX XXXX XXXX  Amount : XXXX Bureau Contact Date : XX/XX/2020
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3 rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & amp ; 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX XXXX XXXX XXXX  Account XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT_/ NEVER FILED_______ Account Amount_ {$26000.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( I Block, Inc. ) due to inadequate customer service and unfair practices, 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 dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenienc? in XXXX financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax twice to dispute the inaccurate bankruptcy they are reporting on my account. Each time their response said the account was verified. I took it upon myself to reach out to the courts that it reporting the bankruptcy. They told me that they have not verified any information with the credit bureaus. So clearly Equifax never conducted a PROPER investigation. This also explains why they are still reporting inaccurate information.
Product: Debt collection

Santander consumer XXXX Subject : Formal Dispute and Notification of Legal I am writing to formally dispute a negative item on my credit report that I believe to be inaccurate and in violation of federal laws under the Fair Credit Reporting Act ( FCRA ). I am also bringing to your attention your failure to comply with specific legal obligations as outlined in the following statutes : 1. 15 U.S.C. 1637 ( 2 ) ( 9 ) ( A ) Regarding required disclosures for open-end consumer credit plans.

2. 15 U.S.C. 1681 Establishing consumer rights to ensure credit information is accurate and fairly reported.

3. 15 U.S.C. 1681s ( a ) ( 3 ) Requiring consumer reporting agencies to provide accurate and complete credit information.

4. 15 U.S.C. 1681e ( b ) Mandating that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. 



The negative item in question is [ identify the account or item in dispute, including account number, creditor, or any relevant details ]. Based on the evidence I have provided, this item is either incorrect, unverifiable, or incomplete. 

Additionally, the following violations have occurred : 1. Failure to provide accurate reporting Under 15 U.S.C. 1681e ( b ), you are required to adopt reasonable measures to ensure the accuracy of the information you report. The inclusion of this inaccurate item demonstrates a breach of this obligation.

2. Failure to properly investigate disputes As required by 15 U.S.C. 1681s ( a ) ( 3 ), you must investigate disputed items thoroughly and accurately.

3. Failure to comply with required disclosures The reporting of this item may also violate disclosure requirements under 15 U.S.C. 1637 ( 2 ) ( 9 ) ( A ).

I request that you : 1. Immediately investigate the disputed item and provide me with a written explanation of your findings.

2. Remove or correct the negative item from my credit report if you can not verify its accuracy within the legally required timeframe.

3. Provide a written purchase agreement of your compliance with this request and confirmation of any changes made to my credit report.

Under the FCRA, you are obligated to respond to this dispute within 30 days of receipt. Please consider this letter my official notification. I have enclosed copies of relevant documents, including my credit report and any supporting evidence, to facilitate your investigation.

Failure to address these issues may result in legal action, as I am prepared to enforce my rights under the law. 

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

I do not recognize account or inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a medical bill on my credit report that doesnt belong to me with XXXX  on XX/XX/01 i filed an FTC report and police report they continue to still report the collection account on my credit
Product: Student loan

My spouse recently had some changes made to her income and since I'm on an IBR I sent in the appropriate paperwork to make a change ( XX/XX/19 ). All paperwork ( paystubs ) were sent in and the correct filing was done. 30 days later on XX/XX/19 I was denied a change. The explanation was that the paperwork was " more than 90 days old ''. The pay date for the subs sent in was from XX/XX/19 which still isn't 90 days old. 

I called on XX/XX/19 to have them check and the rep said that it was a mistake and all the paperwork was filed correctly. He said that I would have it corrected within 10 days. I called 14 days later ( XX/XX/19 ) when nothing had changed and was told that it was still processing and that I needed to wait. Meanwhile I've had to make 2 months worth of payments calculated on a salary that is larger than it is currently. I am so sick of constantly waiting for these people while I'm held to a perfect standard when it comes to my own actions. Please help.
Product: Checking or savings account

My name is XXXX XXXX, and I am writing to formally complain about the missing {$300.00} account opening bonus I was promised when I opened my first checking account on XX/XX/year>. At the time, the customer manager assured me that I would receive the bonus if I received a total of {$1000.00} or more in qualifying electronic deposits within 90 calendar days of opening the account. I used this account as my payroll account, and my company has been electronically transferring funds to this checking account, so I am certain that I have met the bonus requirements. 

Furthermore, the customer service representative also took my bonus offer code ( XXXX ) at the time of account opening. It has now been over XXXX months, and I have not received the {$300.00} bonus as promised. When I called to inquire about this, I was informed that I do not meet the qualifications, which I believe is incorrect and unfair. 

I find this situation very concerning and believe it is misleading and deceptive. I trust that this can be resolved swiftly and fairly, as I have fulfilled all the necessary requirements for the bonus. Please review my account and provide the {$300.00} bonus as initially promised. 

I look forward to your prompt resolution of this matter. If I do not hear back within a reasonable time frame, I will be forced to escalate the issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX During COVID-19 ( XXXX ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current or as the status reported before the accommodation unless the consumer becomes current. And According Act XXXX & TransUnion Has Violated My Rights Under 15 USC 1681 602A States That I Have Have A Right To Privacy. So Why Are They Reporting Late Payments From XXXX XXXX  Secured Credit Card That Is An Closed Account
Product: Checking or savings account

Money was transferred from my savings account into my checking. Then the money was withdrawn to a cashapp account. My password and phone number was changed on my account. I contacted the institution which is CHIME to inform within hours of it happening. Total of XXXX was taken fraudulently out of my account. No resolution has been made it it has been almost 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME ; I HAD NO KNOWLEDGE OF THIS ACCOUNT THAT APPEARED ON MY CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNT REMOVED OFF MY CREDIT FILE. BECAUSE OF THIS NEGATIVE MARK, IT IS NOW HARD TO APPLY FOR NEW CREDIT. SO PLEASE HAVE THIS DEROGATORY REMOVE.