23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Would like to lodge a formal complaint against Equifax for improper handling of their online security features, which then led to the breach of their systems and my information being compromised by hackers. 

See ( one of hundreds ) of news articles about the security breech. 
http : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax encountered a data security breach with millions of users personal information being leaked. These users ' social security numbers, names, address, and driver license numbers are now easily accessible by hackers.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a business loan with Bankers Healthcare Group, LLC. The amount was I was in an automobile accident where I was injured and had to retire as a Police XXXX after 23 year. I borrowed $ XXXX payments were {$1800.00} a month. However I retired and could not afford the payment. I attempted to pay {$100.00} dollars a month but the company would not accept this amount and attempted to set it's own amounts for me to pay. Now I received a summons to appear in court in XXXXXXXX XXXX XXXX My income drastically decreased because of me having to retire. I live in XXXX XXXX  and can not come to XXXX XXXX 

Bankers Healthcare Group, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX & XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempt to dispute the bankruptcy showing on my reports to XXXX  but to no avail. I contacted XXXX XXXX the reporting company for XXXX  and they indidcated the Bankruptcy in XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX that was claimed to be filed was removed and XXXX  has fail to update or refresh their records. According to XXXX XXXX, those bankruptcy should not be showing on my credit report. I've also reached out to the bankruptcy court who informed me that XXXX  has not contacted them for any information.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year>
Product: Bank account or service

XX/XX/XXXX I filed chapter XXXX bankruptcy -- chase bank was in the original filing. my paycheck went direct deposit and cleared the arrearage but a few weeks later the account -- same account number that was declared went back into a negative status. I have been fighting back and forth with them for months and I am at my breaking point. I want to know how to sue? this account is in the bankruptcy and chase is now violating federal law. for over a year I have not been able to get a bank account because of this and I have to take this to the next step
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I requested a few accounts to be removed since they were inaccurate, they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX OF XXXX # XXXX - DATE OPENED XX/XX/2017 Account Name : XXXX XXXX XXXX OF XXXX # XXXX - DATE OPENED XX/XX/2017
Product: Credit reporting or other personal consumer reports

According to FCRA section 605B, these items shown are inaccurate please remove from report. 
XXXX XXXXXXXX XXXX XX/XX/year> Filed FTC report attached below.
Product: Money transfer, virtual currency, or money service

" Dear PayPal XXXX '', I am writing to request the reinstatement of my account, which has been permanently banned. I understand that my account may have been flagged for suspicious activity, but I assure you that all of my transactions were legitimate and I had no intention of breaking any of PayPal 's terms of service. 

I have taken the necessary steps to ensure that this situation will not occur again and I am fully committed to following all of PayPal 's rules and regulations moving forward. I have also taken the time to review the terms of service and understand the importance of adhering to them. 

I apologize for any inconvenience this may have caused and I hope that you will consider reinstating my account. I rely on PayPal for my business transactions and I would greatly appreciate the opportunity to continue using the service. 

Im Trying to Contact the XXXX but it didn't connect. 

Thank you for your time and consideration. 

Sincerely, " [ XXXX XXXX ] '' Last XXXX digit XXXX XXXX  number : XXXX Paypal Email address : XXXX Phone Number : XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am a federally protected consumer and Avante USA has violated me under the provision of 15 USC 1692. Please review attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to all 4credit bureaus and XXXX21, stating this debt has been paid in full since 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both the company who did the hard inquiry as well as XXXX   multiple times. I have also sent certified mail to all 3 credit bureaus ' and I keep getting told, these companies did not need my permission to run my credit history! I need to send a letter to the agencies that pulled the hard inquiry and when I do that, they tell me that nothing they can do! I have spent countless weeks/hours trying to rectify this & I just keep getting the same answer. NO ONE CAN help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights and privacy have being violated under 15 usc 1692 et seq and 15 usc 1681 et seq. This company is murdering my consumer profile denying to removed unauthorized inquiries from my credit report. 
On XX/XX/2022 first writing request was sent via certified mail to trans union asking to remove all unauthorized inquiries. 
On XX/XX/XXXX, second writing request was sent via certified mail to trans union asking for the removal on all unauthorized inquiries or promptly delete all information which can not be verified. 
After talking to customer service with trans Union and declining all request I was advice to file a claim with CFPB.
Product: Credit reporting

I have never lived at XXXX XXXX XXXX, XXXX, MS XXXX. I have never lived in XXXX, XXXX XXXX, XXXX at all. There is a spelling of my name that is totallyincorrect XXXX XXXX, is not me. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX was part of a class action lawsuit and I was awarded a settlement through XXXX XXXX due to their fraudulent practices. XXXX paid money to me yet still continues to report to the credit bureaus as delinquent. Today they updated my credit reports and it went from collections to charge off which dropped my credit score. 

I have initiated contacted today with the XXXX XXXX XXXX due to XXXX XXXX previously paying out a settlement yet contuing to incorrectly report information to the credit bureaus as now this is costing me money due to increased interest rates because of their incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has the wrong dates. Deliquent Payments started in XX/XX/2012, which means it should expire. They state XX/XX/2012, which are 8 months later than when it really occurred.
Product: Checking or savings account

In XXXX of 2019 Bank of America reported me to the XXXX XXXX XXXX  due to suspicion of bank fraud. Before they reported me I had noticed a negative balance on my accamd I quickly called them to discuss it. I told them to close the account because I didnt use my debit for the past days and I couldnt find it so someone clearly used my debit card to commit fraud on it. I explained to them that I uad lost the card and they told me they were going to close the account and allow me to open a new one. But that wasnt what they  did, they reported me to the EWS and I havent been able to open an account since. I made a dispute about the situation to EWS amd they sent me back a comsumers reports showing what happened and it showed that someone tried to deposit a fake check. Bank of America has no proof that it was me for them to just report like that. The only thing they have is what is on file. They can check the cameras of the atm in Bank of America. The transaction was made through an atm in XXXX, NJ and I live in XXXX XXXX, NJ. I want to be able to open a bank account this isnt right.
Product: Payday loan, title loan, or personal loan

After I started sending Loanpal more than the agreed upon payment, I went from sending XXXX to XXXX. I realized they increased the amount in interest they were collecting. Loanpal informed me over the phone through their billing representative and was confirmed by the supervisor who told me to read the section e. ( XXXX  Balance ) on the contract. They are allowed to change interest based on when payments are received till when the next payment is received. This is in effect penalizing me for paying more and paying early. I would never be able to pay this loan off early or beat interest charges because of they way they are mishandling my account. In accordance with my contract they are changing me interest different than at the agreed upon rate and schedule. The contract also clear states that I have a fixed monthly interest rate as long as I pay on time and as agreed. My monthly due date is the XXXX of each month starting XXXX they receive the payments between the XXXX XXXX ( this is based on weekends and where the first of the month is as it is sent directly from my bank on the XXXX of every month ). The way they are charging me interest they are collecting as if I am making my monthly payments late. i.e. Recently between XX/XX/XXXX and XX/XX/XXXX they charged me for 37 days of interest even though both payments were received before the schedule due date was agreed upon. As I can not see payment info i.e. Principle/Interest breakdown on the website or on the Loan Statements provided to me. I only caught on because my principle was not matching the payments I was sending. Additionally their statements are also misleading from the proof that I am sending you can see their statement balance history does not match up with my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not reporting my payment history correctly. This is my third time working to get this off my credit. I have the requested to have the incorrect information to be removed permanent. record. I am attaching the payment history showing inconsistent and erroneous reporting for experian and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : US DEPT ED # XXXX US DEPT ED # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I applied for a va cash out refinance with a broker on XX/XX/XXXX and was quoted a 3.5 interest rate on his paperwork loan estimate. On XX/XX/XXXX, I got the disclosures and paperwork from ditechs showing XXXX closing costs and a 3.625 rate. My broker told me we were over the max amount allowed for fees to a veteran and would waive the XXXX processing fee to get us below that amount. He has stalled me from then until XX/XX/XXXX, sending me his own rate lock confirmations from ditechs showing a 3.5 lock and assuring me that even though I did not sign their paperwork, I was locked in. We had appraisal and termite done and I was assured the closing docs would reflect the 3.5 rate and would close by XX/XX/XXXX. In the meantime, my current lender called me and after seeing my paperwork told me he had not provided proper legally mandated disclosures to confirm the rate. Late Friday XX/XX/XXXX, after 2 weeks of stalling, I was told we were cleared for closing and he was " working on the rate ''. I was angry when my insurance contacted me to advise my mortgage had been substituted with ditech. I immediately contacted him but got no response until I received an email telling me that due to va loan regulations, the lender could only give me 3.625. I was paying points. They were charging me XXXX for just that buy down. I backed out but how is this legal?
Product: Debt collection

I am a victim of identity theft. I checked my credit report and there is a medical debt listed on my report that does not belong to me. Thus far I have tried to dispute the debt to get removed from my credit report to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on XX/XX/22 to file a official dispute over the phone. I previously filed a dispute over the phone with Equifax on XX/XX/22 and had no issues and the dispute was resolved. When I spoke with XXXX on XX/XX/22 from Equifax she would not officially submit my dispute. I was informed that I must submit documentation on my identity. I feel this is biased towards me as Equifax already has my personal information on file and this is proved by the dispute filed on XX/XX/22. I feel Equifax is not following the Fair Credit Reporting Act by taking my official dispute over the phone on XX/XX/22. I did send in the requested information on XX/XX/22 and expect Equifax to remove the XXXX disputed items as stated in my letter to them dated XX/XX/22. I would like Equifax to be investigated on the practices of consistency in not being biased as to what information or items to investigate to delete from consumers.
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of a credit report, and I notice there are unauthorized credit inquiries made by the companies listed below..

To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. 


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

This account is in violation by misleading and false reporting on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALSO DUE TO HIPP LAW AND ACCURATED INFORMATION, XXXX AND TRANSUNION ISN'T REPORTING CORRECT INFORMATION ' XXXX REPORTING MEDICARE BILL THAT IS CORRECT PERSONAL INFORMATION, I HAVE RIGHT THAT ALL INFORMATION ON MY CREDIT REPORT IS FILED CORRETLY- THIS OCCURS FOR BOTH XXXX AND TRANS UNION Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX XXXX # # # # XXXX XXXX XXXX {$570.00} INCORRECT INFORMATION REPORTING -- due to fraud on my credit report with XXXX AND TRANS UNION, i notice these fraudulent items as inquiries that i would like removed asap, items on my XXXX and Trans union report as inquiries, please remove XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX this XX/XX/XXXX XXXX - CARD SERVICES XXXX XXXX XXXX SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX this XX/XX/XXXX XXXX - CARD SERVICES XXXX XXXX  CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX Dispute this XX/XX/XXXX CAPITAL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX this XX/XX/XXXX1 US DEPARTMENT OF EDUCATION US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX this XX/XX/XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX this XX/XX/XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX this XX/XX/XXXX US DEPARTMENT OF EDUCATION US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent letters that verified this account is accurate. The months of the year 2021, has different numbers being reported on my consumer report from all bureaus. My report must be held to maximum accuracy by law under 15 usc 1681. After i gave them notice of the errors, my report still shows they did not reinvestigate proper. They are furnishing information knowgly accurate and did not fix my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorised inquiries on my credit report from XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost importance regarding persistent inaccuracies on my credit report. Despite my repeated attempts to rectify these discrepancies, it has come to my attention that the credit bureaus continue to disregard the provisions outlined in the Fair Credit Reporting Act ( FCRA ). 

The Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ), clearly mandates that credit bureaus must modify or delete accounts that do not accurately reflect the individual 's financial history. Unfortunately, my efforts to bring this to your attention have been met with frustration, revealing a concerning breach of the laws designed to protect consumers. 

Referring to 15 USC 1681b ( 1 ), it is crucial to emphasize that the credit bureaus lack written permission regarding the information on my credit report. Furthermore, my right to privacy, as stipulated in 15 USC 1681, is being compromised due to the persistent inaccuracies.

As outlined in 15 USC 1681s-2, it is explicitly stated that a person shall not furnish inaccurate information to any consumer reporting agency. Despite my notifications regarding the inaccuracies and the invocation of the provisions of 15 USC 1681 for a reinvestigation, the credit bureaus have failed to block and permanently delete these accounts within the legally mandated four business days.
Product: Money transfer, virtual currency, or money service

I am a victim of identity theft -My PayPal Debit/Cash Card and/or Account information was used for unauthorized transactions on XX/XX/XXXX and XX/XX/XXXX of XXXX ( my card was not lost or stolen ) which totaled nearly {$1000.00}. 

I contacted PayPal Customer Service on XX/XX/XXXX and was advised to wait until the charges were processed and then individually dispute each one. 

During the dispute process, I noticed several more charges that were not listed in my Account Activity. - I downloaded my Account Transaction History and verified the unauthorized transactions ( including the cloaked charges ). 

I am unable to dispute the cloaked charges ( which are half of the unauthorized charges ). 

Transaction IDs on my Account Activity section do not match up with Transaction IDs in Account History. 

In Transaction History ( not Account Activity ) a majority of Income deposits were marked from PayPal Inc. instead of original sources ( FL DEO and XXXX  XXXX ). 

I have filed a report with the FTC and the local police, contacted the credit bureaus, and XXXX ( as I pay them to monitor my account and Identity ). - I will be hiring a professional accountant to go through all of my PayPal Transaction History. 

I am enclosing : Account Transaction History for XXXX and XXXX of this year. 

Proof of Cloaked Transactions. 

Proof of Transaction IDs not being correct. 

Copy of Report to FTC ( which contains local police report information ). 

[ Note : This entire process regarding PayPal and Identity Theft, has been absolutely draining, time consuming, and has caused a lot of financial and emotional stress. I have been having to use Credit Cards via another bank due to the fraudulent activity, which has had a negative impact on my Credit Report - In which in XXXX I spent a lot of time repairing and improving- only to be back at square one. ]
Product: Bank account or service

I am being scammed out of my husband 's pension by Wells Fargo.