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

Dear Consumer Financial Protection Bureau : My personal information was apart of an Equifax breach of data. My information was sold and bought illegally because I was a victim of this data breach. I am requesting and want these items deleted from the credit bureaus up an including Equifax, XXXX, and XXXX effective immediately. I am attaching proof that Equifax has admitted and stated that I was in fact a victim of this data breach. 

Equifax has done nothing. I have disputed these several times in the past. I have been denied credit, loans, car financing, and even rental units because of the impact that this has had on my credit score over the past several years. Pleases help me delete these illegal accounts and negative information from my credit report ( s ). 

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

I have had issues with equifax credit bureau. I have tried to go for loans starting with my own bank XXXX XXXXXXXX XXXX for a loan in the month of feburary 2022. I have spoken with my bank here in XXXX ohio and it turns out that i was rejected because of Equifax. I asked equifax to remove the security freeze from my credit profile twice on XXXX seperate occasions and it still turns out that they have a blockage on my credit report. 

Equifax kept the security freeze on my report even after i have asked them on XXXX seperate occasions to remove it. XXXX XXXXXXXX XXXX tried several times to pull my credit and they could not becuase equifax still has a security freeze on my credit report. 

I want the freeze lifted os that i can apply for loans and credit cards this act is very discriminatory that a bureau says that the freeze is lifted and its not. I lost my loans and credit cards because of them.
Product: Checking or savings account

On XX/XX/XXXX my son deposited a check for XXXX and paid XXXX to a XXXX via XXXX and on XX/XX/XXXX my son deposited a check for XXXX and Paid XXXX to a XXXX via XXXX. These checks were for a promise of employment scam, when I was made aware of it on XX/XX/XXXX I recognized it was a scam and called my bank Wells Fargo to report and file a claim and they said because my son deposited it they couldnt do anything or reverse the transfers. I filed a fraud claim with the fbi as well
Product: Mortgage

XX/XX/XXXX spoke to XXXX in XXXX XXXX she said my application was denied again. A letter was mailed out to me. There is a foreclosure sale for my house XXXX Mortgage assistance application sent XXXX XXXX, XXXX XXXX said intake did not open application I sent. because in the computer it says there are no more options available to help with my mortgage. 

See Wells Fargo servicing timeline for my mortgage loan.
Product: Bank account or service

I opened a " Pinnacle Checking '' account on XXXX XXXX, XXXX, after reading an advertisement for a {$200.00} promotion. The terms of the offer are as follows : " To qualify for the {$200.00} cash bonus, within 60 days of opening your new Pinnacle checking account, you must receive direct deposits totaling {$250.00} or more. Your direct deposits need to be an electronic deposit of your paycheck, pension or government benefits ( such as Social Security ) from your employer or the government. The cash bonus will be deposited into your new checking account within 30 days from end of month in which direct deposits totaling {$250.00} or more are made to your account. Account must be open and maintain a positive balance in order to obtain the bonus. 

Can not be combined with any other promotional rate or reward/bonus programs. Valid only for individuals who have not had any consumer checking relationship with First Niagara in the previous 365 days. Customers may only receive a bonus on XXXX account. Customers must be residents of XXXX, XXXX, XXXX or XXXX to participate in this offer. Bank employees and members of their household are not eligible for this promotion. The cash bonus will be reported as a payment of interest in accordance with Internal Revenue Service regulations and will appear on your IRS XXXX for the year in which the bonus is paid to you. Promotion runs through XXXX/XXXX/XXXX and can be withdrawn at any time. Account must remain open for 180 days to avoid a {$25.00} Early Account Closing fee. All accounts subject to approval and applicable fees. '' I received a direct deposit of {$250.00} from my employer on XXXX XXXX, XXXX. I have not had any consumer checking relationship with First Niagara in the previous 365 days. I am a resident of XXXX. I believe all requirements of the promotion have been met, but I have not received the bonus yet. Per the terms of the offer, it should have posted by XXXX 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 : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian Credit Report on XX/XX/year> and noticed some things are incomplete and not accurate And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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: Debt collection

Baker Recovery Service issued XXXX collection accounts, for XXXX charge off. Also I noticed a payment for {$8.00} which I did not make, on XXXX collection account. I suspect they did it to re-age the account. This is not fair!
Product: Checking or savings account

Om XX/XX/20 I bought a washer and dryer off XXXX. Contacted the store VIA messages and asked condition -- they stated good and working also comes with a two month warranty. when they arrived they were broken and the company has refused to come get them and return my funds or fix them. Ifield a dispute with my bank and was told I lost the claim, I summitted screenshots and calls ... they company scammed us. Lied to us and my bank did nothing to help .... I sent all proof within 1 day of the dispute. PLS HELP ME CFPB
Product: Credit reporting or other personal consumer reports

Experian continue to refuse to remove these two fraudulent addresses from my Experian credit report after recent numerous disputes : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I never lived at these addresses. 

I attached a updated copy of the addresses from Experian, on my Experian credit report as of XX/XX/year> with the two fraudulent addresses still remaining.
Product: Credit card or prepaid card

I hold a co-branded credit card issued by First National Bank of Omaha through XXXX 's guest rewards program. At XXXX EST on XX/XX/2023, I received an e-mail from First National Bank of Omaha from the e-mail address " XXXX ''. This e-mail for a statement contained personally identifiable information about another FNBO cardholder, a XXXX XXXX XXXX. It also included details about XXXX XXXX account, and financial details including the current outstanding account balance, minimum payment amount, and required payment date. At approximately XXXX on XX/XX/2023, I called FNBO at the number on the back of my Credit Card and notified them of the security incident and was assured that my information was being passed to the banks security team and would investigated. While I waited on hold with FNBO, their Phone System played a per-recorded message that my privacy was their top priority. I guess the irony is lost on FNBO. At approximately XXXX on XX/XX/2023, I received another e-mail, again from " XXXX ''. This statement contained similar information for another FNBO cardholder, this time for a XXXX XXXX XXXX. Both statements also appeared to be for other cardholders which held XXXX guest rewards co-branded credit cards. I called FNBO once again, to report this second security incident. I requested to speak to a supervisor, and the supervisor again took down the details of the incident and stated that this information would be passed to the security team. The representative was unable to provide me with any internal case number or reference to check on the status of my request, nor would they provide me with any timeline for when someone from the bank would be able to follow up with me or provide me an answer regarding these two security incidents. You can find attached copies of these messages, including header information. These communications have since been deleted from my inbox and local copies removed in the interest of these individuals privacy.
Product: Debt collection

In XXXX of XXXX, someone used my name to open a XXXX XXXX   XXXX account. A credit card was sent to an address in XXXX XXXX, Ohio. I never lived in Ohio. The credit card was used for a one-time purchase of {$1200.00} but credit card bill was never paid. 
I received a message from XXXX XXXX about an overdue balance around XXXX, XXXX. When I returned the call, the XXXX XXXX department couldn't find any information about an account matching the information I could supply. I told him it was an unauthorized account and to close it immediately. 
I received a letter from Midland Credit Management dated XX/XX/XXXX trying to collect a debt balance of {$1200.00}. XXXX XXXX had closed the account and had sold it to Midland Credit. I made several phone calls to the number supplied on the collection letter and escalated calls up through the management to report fraud and identity theft and was told that I would receive a letter notifying me of the status. No letter to date. 
I filed an Identity Theft Report with FTC and sent an official letter to Midland Credit in XX/XX/XXXX with documentation. No letter from Midland. 
I receive several phone calls from Midland Credit each day and want it to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to opt out of all XXXX XXXX, XXXX, Equifax pre approved credit card promos and insurance promos. My credit file has out date information listed that needs to be removed. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX, XXXX, OH XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX- I have found out that my name and credit file has been confused with perhaps another XXXX XXXX with is not my name my name is spelled XXXX XXXX XXXX . I HAVE NUMBER ON MY FILE I DO NOT RECOGNIZE. PLEASE DELETE AND REMOVE THE FOLLOWING NUMBERS : 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

Going by the FAIR CREDIT REPORTING ACT, the list of accounts below VIOLATED by FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY and confidentiality under 15 USC 1681. 

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  15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C ( A ) ( 5 ) 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 7 years 15 USC 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 card or prepaid card

I used the card sometimes around XX/XX/XXXX for an XXXX  transaction. The transaction was cancelled and a refund {$1100.00} by XXXX with case for reservation XXXX and I was told Citibank have refused to allow the transaction to scale through. I contacted Citi and a case REF ID : XXXX. They have been reporting to credit Bureau false information for over 3 months which has affected my credit score. I have sent several information to citibank since XX/XX/XXXX and all to no avail. 

I have been serious affected XXXX and XXXX that am at this moment considering XXXX. Citi has been treating me badly because I am XXXX and they have suddenly cut my credit line and everytime I made payment to the credit they reduce my limit immediately so I can't use the fund and I have never missed payment. 

I have lost my work due to Coronavirus and still struggles to get intouch with Citi customer service.
Product: Checking or savings account

On XXXX XXXX XXXX Venmo account was scammed it was unauthorized purchases and withdrawals made on my Debit Card. 
My Debit Card is with me @ all times and know one has excess to my card or use my card but me. I contacted Venmo card services as soon as I was aware of the situation which was on XX/XX/year> on up until the end of XXXX they refused to refund me my money and denied my claim and closed the claims. 
Until this date they had not forward me any information on what they done to try and see where this happen or nothing I was treated like I was the criminal. I did contact XXXX Police Department they did there investigation but it did not happen in this area and I tried to explain that to the Venmo representative but that didn't help any @ all they didn't wan na hear what I was trying to explain to them they were just nasty and rude. But they forward me a new Venmo Card which I refuse to use because of the way they treated me as a Venmo customer.
Product: Money transfer, virtual currency, or money service

I am hereby complaining about Zelle. Zelle is unprotected and slowly reacted to my case. On XX/XX/XXXX, I was a victim of a XXXX scam. In response to a XXXX XXXX ticket posting, I contacted XXXX XXXX at XXXX. He told me he represented XXXX XXXX and could get a good deal. He wanted me to send him my driver 's license and deposit {$180.00} for XXXX tickets. I sent him my driver 's license and Zelle 's {$180.00} to XXXX. Many hours went by, and no tickets ; I contacted XXXX and Zelle on XX/XX/XXXX. They acted too slowly, and the transaction went through on XX/XX/XXXX. No one seems to care. Scammers knew nothing would happen, and Zelle and XXXX were unprotective of their customers. 
I am asking CFPB to investigate my case and force Zelle to be more responsive and protect the consumers.
Product: Debt collection

So i started by calling XXXX on XX/XX/2023 at XXXX to try to understand why a charge of {$430.00} is showing up on my Credit Report with the original creditor being XXXX when i finally got in touch with XXXX Customer Service Representative they look into my account that i had with them over 3 years ago they then proceeded to tell me that my account had been closed for multiple years and i had no charges pending for the amount of {$430.00} from XXXX and then began to tell me that the charges were coming from XXXX since XXXX and XXXX merged then proceeded to tell me that they would transfer me to XXXX because even though they are merged they still have separate departments so they transferred me to XXXX and i finally got in touch with a XXXX Representative they began to look into my XXXX  account i also had over 3 years ago and proceeded to tell me that the account was closed 3 years ago and they have no pending or previous charges of {$430.00} and ended the conversation by telling me i should visit a XXXX store and to bring a bank statement showing the charges i proceeded to try to clarify that i wasnt charged the {$430.00} that it is showing up as a Debt Collection on my Credit Report and that it wont show up on my bank statement they continue to tell me to visit a XXXX location with a bank statement completely disregarding my explanation of it showing up as a Debit Collection on my Credit Report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

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

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

On the days of XX/XX/2021 XX/XX/2021 and again on XX/XX/2021. I wrote to this company XXXX XXXX XXXX, Transunion and XXXX  Requesting for an investigation into this item being reported unverified and inaccurate. it has been way past 30days and the 45 day grace period. I have not received an response from the following company in question XXXX XXXX XXXX and or Transunion or XXXX. In my previous requests. I have listed my reasons for disputing this item and I have attached the same information again. after reaching out to the company in question XXXX XXXX XXXX my mail was returned due to this companies in accurate information
Product: Student loan

Aidvantage capitalized interest on a XXXX loan to amount to XXXX. I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVER properly explained to me and I believe this was done predatorily. I honestly think it was done illegally as I was never explained in enough detail and in my position was in no mental state to understand these things. NONE OF THIS WAS EXPLAINED TO ME and I have offered to pay the ORIGINAL amount many times and Aidvantage refuses to give me an answer.
Product: Debt collection

I got a notice from XXXX XXXX that I had a new account added to my debt. I looked it up and It is from Enhanced Recovery for XXXX. I have not had a XXXX account since XX/XX/XXXX. This is XXXX years ago. I paid XXXX off when I received the final bill. I have not heard from them since or have had anything attached to my credit report until XX/XX/XXXX. There was no letter sent to me to try and dispute this debt or even tell me I had a debt. My number has not changed and I have not recieved a call from XXXX XXXX in XXXX years that there was a debt. I have read many reviews and just recently Enhanced Recovery has been popping up on Credit Reports for accounts long closed and paid off.
Product: Checking or savings account

On XXXX XXXX, 2023, I opened an online money market account with ALLY BANK ( XXXX XXXX XXXX ) I then funded the account by ACH payment in the amount of {$8000.00} in the hopes of an attractive advertised XXXX. 

Less than XXXX hours after the account is funded, I discovered I could not login and access my account. I receive a message from ALLY claiming the account is frozen for " suspicious activity ''. This happens only after ALLY receives my money. 

I contacted the bank, verified information, and so forth including refuting any claims that I misused the account or shared login details and now they say they may continue to freeze my account for an " investigation '' and may not conclude for up to 30 days. 

I requested an immediate closure of the account for wasting my time and was refused. Furthermore, ALLY claims they will not give me any interest during the hold period. This is tantamount to fraud on their part. Holding my money for up to 30 days while they can use it to lend to others for their profit. I have googled ALLY and it seems this freeze happens often and conveniently. How much money do they freeze, essentially take from honest customers like us while they have free access to our money?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # AMSHERCOLLECTIONSERVICES amount {$270.00} 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: Debt collection

XXXX XXXX XXXX ( NRA ), XXXX XXXX XXXX, XXXX, PA ( XXXX ) XXXX entered an amount on my credit report that was already billed to XXXX and XXXX paid the amount due to XXXX XXXX Hospital several years ago. However, this complaint is not about the bill or the amount. It is about how this claim was communicated.
My son noticed this amount, and the information about this amount, was entered on his credit report. He called the credit reporting agency to report that his credit account had false information.
The credit agency directed him to call XXXX XXXX XXXX ( NRA ) to resolve the false claim. He called and spoke with the representative at NRA.
When my son asked about why this false information was on his report, the representative told him there was a mix-up with the last name. Then, the representative proceeded to tell my son all of my personal identifiable information, including my address and birth date.
Of course, my son knows this. But what right does this collection agency have to give out anyone 's personal identifiable information to any one? Could n't they simply verify that the charge on my son 's report was mistakenly added to his report without disclosing my information? What reason would they have to tell anyone personal information about someone else who they ( the agency ) mistakenly exposed?
Further, the NRA representative had no idea that the person on the other end of the phone line was indeed my son. It could have been anyone. How many other callers have been given my personal identifiable information? There is no way to tell. This is a serious breach of confidentiality and one of the reasons there are so many mistakes on everyone 's credit reports. Am I to understand that my personal information is being floated to whomever calls and asks for it? Not to mention that the information is false no matter whose report it lands on.
Product: Checking or savings account

An account was fraudulently opened in my name with BB & T. They are aware, and yet have not closed the account. I continue to receive notifications about it. BB & T makes it nearly impossible to speak with a representative, and after hours on hold you just get told that they can not help you.