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

Equifax was breached and leaked a staggering amount of personal data. 
" The breach occurred between mid-XX/XX/XXXX and XX/XX/XXXX,  Equifax said. The company said it discovered the hack on XXXX XXXX. '' according to XXXX XXXX XXXX They then proceeded to not inform anyone until 5 weeks later, which is 100 % unacceptable. An attacker could do a ton of damage in 5 weeks. And before informing their customers, several executives sold a significant amount of stock XXXX XXXX XXXX This clearly shows them worrying more about their own well being than the the well being of American consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account please investigate the unverifiable account : XXXX XXXX XXXX XXXX : {$2.00}
Product: Credit reporting

I was working with a company called XXXX for about a year itended up costing me XXXX dollars and it did not get it all taken care of. 
My husband and I owed XXXX to the IRS it was paid back and showed upon my credit report that it was n't so I asked for help and it came off ofXXXX, XXXX, but not off of Equifax so now I hope you can help meme.
Product: Debt collection

IN THIS COMPLAINT U WIIL OUT THAT ALL THREE CREDIT REPORT AGENCY REFUSING TO FIX THIS INFORMATION DATA BEACH OF TO CONSUMER ALL THREE CREDIT REPORT AGENCY ARE RESPONSIBLE FOR THERE ACTIONS FAIL TO PROTECT THESE TWO CONSUMER DATA INFORMATION ALL THREE CREDIT REPORT AGENCIES JUST MERGED BOTH PARTIES INFORMATION TO EACH OTHER CREDIT REPORT AGENCY THE OTHER COMPANY ALSO DATD BRECH MY CREDIT REPORT WITH NO AUTHORITY TO OPEN MY CREDIT REPORT THEY ALL IN DATA BEACH ME AND MY TWIN BROTHER HAVE TRY OVER AND OVER WITH ALL THE CREDIT REPORT AGENCIES THAT THIS IS MY TWIN BROTHER INFORMATION AND ACCOUNT WE BOTH SENT IN ALL DOCUMENTS IDENTITY EQUIFAX, XXXX AND XXXX SHOWING ID NUMBER DRIVE LICENSE SS NUMBER OF BOTH PARTIES WE HAVE BEEN DISPUTING THIS PROBLEM 2-3 MONTHS AND NO ACTION WAS NOT HANDLE AT ALL ALL THREE CREDIT REPORT AGENCIES FORCE THIS ON MY CREDIT REPORT AFTER ALL THIS THEY ARE SAYING THAT THEY THIS IS MY ACCOUNT I ALSO PUT IN SO MANY DISPUTE OVER AND OVER AGAIN I KEEP TELLING ALL THREE CREDIT REPORT AGENCY 'S XXXX XXXX  XXXX THEY ALL IN DATA BEACH OF PERSONAL INFORMATION XXXX XXXX  XXXX  PLACE AUTO MY TWIN BROTHER CALLED XXXX XXXX XXXX PLACE EXPLAING TO THEM ALSO HAD NO BUSINESS TO INFORMING MY TWIN BROTHER ABOUT MY NAME ACCOUNT OR ANY PERSONAL INFORMATION MY TWIN BROTHER WE HAVE THE FIRST 5 NUMBERS ARE A SAME BUT THE LAST FOUR NUMBERS ARE SO DIFFERENT XXXX ALL THREE CREDIT REPORT AGENCIES SHOULD HAVE DONE A FULL INVESTIGATION AND XXXX XXXX XXXX PLACE DID NOT FOLLOW PROTOCOL SPECIAL DEALING WITH TWO DIFFERENT PEOPLE PERSONAL INFORMATION WAS NOT HANDLED OR PROTECTED BOTH CONSUMER DATA INFORMATION IT IS SO RECKLESS ABOUT HANDLING TWO CONSUMER
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research itemsI found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

Regional Recovery continues to lie about their collection efforts with their most recent response on XX/XX/2022 stating : " The patient still owes the money and while we have ceased communication the client has, at no point, given us the ok to remove from her credit report for the " Malpractice Suit '' that we've not been notified of. '' You havent been notified????? What?! I have uploaded proof of letters sent to you on several occasions by my lawyer NOTIFYING YOU of litigation LAST YEAR!!! 
How in the world are you saying you havent been notified of a malpractice suit when my lawyer has sent you letters about it several times?????????? I have uploaded proof of that!!!! Why are you lying? 

I am going to file a complaint EVERY SINGLE DAY against you until you stop lying about not knowing about a lawsuit when there is proof of correspondence with you from my LAWYER! This further proves that Regional Recovery Services is continuing to use unscrupulous tactics by denying that they were not notified of the malpractice suit. 

I HAVE AGAIN ATTACHED PROOF OF CORRESPONDENCE SENT TO REGIONAL RECOVERY BY MY LAWYER TWICE THAT ALSO IDENTIFIES THEIR CLIENTS AS ORIGINAL CREDITORS. 

The case is available for you to view in XXXX XXXX Dockets for XXXX XXXXXXXX XXXX. Please stop playing XXXX. It's XXXX behavior.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 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 or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX  Balance : {$24000.00}-
Product: Debt collection

The Preserves at XXXX XXXX XXXX XXXX XXXX, through and by their attorney XXXX XXXX, with fraud upon the XXXX XXXX XXXX obtain a summary judgment and sold my home at auction on XX/XX/2022 without the proper procedural manner. I was never served any notice of lien or notice of intent to default. Now they have alleged to have purchased the property at auction and I still have not received all the notification I am required through due process to respond in a timely fashion. I believe that there is fraud with that organization and the courts help them. I would like a full investigation is due and they never had any legal interest in the home and that the original note and mortgage with the alleged mortgage company XXXX XXXX is also fraudulant.
Product: Mortgage

Selene Finance LP Payments are submitted timely, at least 5 business days before the 1st of the following month 's due date. Records are not adjusted accordingly, therefore, late payment fees are incurred. Endless hours are spent on the telephone and the mortgage service company does not correct the records. Increase ( s ) in the escrow fees are not mailed, so the payment amounts are not sent properly by me.
Product: Mortgage

My issue is with Quicken/Rocket Mortgage, we applied for a conventional loan and they set it up as a FHA loan. The real estate agent sent them emails letting them know we want a conventional loan. I paid {$XXXX} for an appraisal that would not pass the lender under a FHA loan. They deliberately did this and refuse to change the loan to conventional. I would like my money back for their deception in this process, they were looking into making a quick buck and not assisting me acquiring a loan. 

Date : XX/XX/2019 Amount : {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you,as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced (as mandated) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victim’s Complaint and Affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the 3 credit reporting bureaus in regards to a collection account that is not mines and I have documentation showing it is not mines. I just want to get this removed because its reporting inaccurately.
Product: Credit card or prepaid card

I did purchase of flight ticket through Delta on XX/XX/XXXX, and I got an ad of Delta SkyMiles Gold American Express Card popped to the screen when I checked out. In this ad, I will get {$250.00} statement credit on a Delta purchase and 40,000 bonus miles after {$2000.00} purchase on the new card ( I attach the ad here ). It was an attractive offer for me since I just need to book the ticket through Delta. I did apply that card immediately and got approved with the temporary card information that I could use to place the order of the Delta ticket ( {$280.00} ) on that day ( XX/XX/XXXX ). This week, I received the credit card, then I active and set up that card but I did not see the {$250.00} statement credit. I contacted with the Amex customer service and I was told I did not have the sign up bonus without any clear explanation. It is ridiculous to me since I am confident with my credit history. I can not understand that the card application was approved without any sign up bonus which is the most attractive reason for people to apply for a new card. The whole process seems like I was cheated to apply for a new credit card with {$99.00} annual fee and the hard pull will decrease my credit score.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I want this off my credit report immediately! They agreed to take it off my credit report but never took it off. And never got my vehicle back and never helped to fix my loss or help get my vehicle back.
Product: Credit reporting or other personal consumer reports

I have pdf all papers from every negative account on my credit report neither XXXX, Experian, and XXXX has not answered my letters and disputes, when I have sent confirmation from all these companies and Police reports stating unauthorized use and proves I'm the victim! 
This is my 8th letter of disputed circumstances and confirmations that are not being investigated, because these letters are confirmation from each company that they agree to be removed!! 
I want to sue these XXXX major credit reporting agencies because! 
15 USC 1681 STATES MY RIGHTS 15 USC 1681 STATES WRITTEN CONSENT 15 1666 B STATES NO LATE PAYMENTS I want all accounts removed!!
Product: Credit reporting or other personal consumer reports

I have been back and forth with all of these companies and they dont not respond. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX I received a email from PayPal stating I can no longer use PayPal. Without any explanation of why and I have a balance on my PayPal account that I can not get access to. 
I have been a customer of PayPal for almost 3 years. I have never had a problem with my account. So for me to wake up to a limited account is very disturbing. My account has been limited due to suspicion.I have documents to show that its legit and funds sent to the PayPal owner is legal. My funds are now on hold.I am highly disappointed. I provided proof of payment and identity.
Product: Credit reporting or other personal consumer reports

A debt for the amount of {$2600.00} from Sentry Credit is reporting to my credit file. 

I mailed a validation letter to debt company on XX/XX/23 I received a letter back XX/XX/23 indicating that the company was unable to validate debt. 
and did not have the information I was requesting.
Product: Credit reporting or other personal consumer reports

I did not give concent to any company nor reporting agency to report any payment or transactions on my credit file. 

Written Notice Per the FCRA as a federally Protected Consumer I am now opting out of any and all authorizations I the Consumer may have given you written unwritten verbal and nonverbal per 15 usc 6802.

The Privacy Act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. It also protects individuals by ensuring that federal agencies only collect personal information that is LEGALLY AUTHORIZED and necessary.

Some examples of privacy violations include : *Sharing data with third parties WITHOUT AUTHORIZATION *Using customer information for purposes other than its intended use Some exceptions to the Privacy Act include : *Information FOR a CIVIL ACTION proceeding *Material reporting for INVESTIGATIVE EFFORTS related to CRIMINAL LAW enforcement. 

All listed below who are in violation * XXXX XXXX  XXXX Acct # XXXX * XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX * XXXX XXXX  XXXX Acct # XXXX * XXXX XXXX Acct XXXX XXXX * XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX * XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX /Acct # XXXX
Product: Debt collection

I have XXXX collections accounts in my credit report, XXXX for the same collection agency, and both to the same original creditor ( for nearly the same amount ). I have requested confirmation of ( and information for XXXX both of these accounts by certified mail, and I 've received NO response from the agency.
Product: Credit reporting or other personal consumer reports

Sent documentation showing that it was not my debt, and asked for valid proof and never receivedit
Product: Credit reporting

XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Experian XXXX XXXX, TX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
These accounts disputed by the Department of Education, none of these 2016 dates to the right should be existing ( where late payment history shows ), and none of the columns showing pass due should have any number in it as they are NOT in collection and the verbiage should be on the credit line as in collection because it is not, such as column XXXX acct # XXXX. ) This is inaccurate. I am requesting that these accounts be corrected. 
Also account # XXXX ( XXXX ) has been satisfied entirely and account # XXXX ( XXXX ) has been satisfied. I respectfully request that these are also corrected. 
Enclosed are copies of XXXX XXXX repayment for the accounts listed in your bureau supporting my position. Please reinvestigate these matters and correct the disputed items as soon as possible. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX, XXXX  Acct # XXXX, XXXX XXXX  Acct # 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: Debt collection

Contacted the company on XXXX/XXXX/XXXX to dispute no contract signed with company, this company is not licensed to collect debt in Michigan. I need this removed from my credit report. No Midwest Recovery located XXXX XXXX XXXX, MO can collect debt in Michigan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting the account was written off in XXXX of 2023 I never received a 1099 C Cancellation of debt from them, fraudulently reporting a balance on my credit, my phone number is still the same my email address is still the same, since they wrote this debt off for a tax break and never sent me a 1099 I would like this fraudulent information removed from my credit report or I will be reporting this information to the IRS.
Product: Credit reporting, credit repair services, 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 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 have tried over 67 times contacting the bureaus of fraudulent inquiries and accounts reporting I even submitted identity theft reports to each credit bureau I have done so by phone and by hand written letters my children and I are looking for a place and due to credit we are in the shelter facing homelessness please look into this and remove an accurate fraudulent information please and thank you. 
XXXX XXXX XXXX Reported : XX/XX/XXXX + {$9200.00} Closed CREDIT CARDS XXXX/XXXX  Reported : XX/XX/XXXX + {$0.00} Closed STUDENT LOANS US DEPT OF EDUCATION Reported : XX/XX/XXXX + {$6100.00} Closed US DEPT OF EDUCATION Reported : XX/XX/XXXX + {$3900.00} Closed DEPT OF ED/XXXX  Reported : XX/XX/XXXX + {$0.00} Closed DEPT OF ED/XXXX  Reported : XX/XX/XXXX + {$0.00} Closed Unauthorized fraudulent inquiries XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX XXXX-ph Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing A collection account XXXX  XXXX  Reported : XX/XX/XXXX + {$480.00} Needs Attention