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

( 1 ) Equifax has failed to protect mine and millions of others personal information. 

( 2 ) The CEO 's " sold '' off their company shares of stocks " Before announcing the massive data breach. Of which happened a month ago. 

( 3 ) Offering a " year '' of free monitoring service is clearly not enough considering the amount of personal data lost and the soon to come total number of people actually involved. My personal information will be at risk for YEARS! to come. All the thieves have to do is wait a year? This is clearly a marketing scam. 

This company should be under federal investigation for federal crimes against the people and companies. Equifax has become a case of " the inmates running the asylum '' and should not be trusted with such sensitive information. I never gave Equifax permission to keep or gather my personal information in the first place.
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 title 15 U.S.C. 1681 : XXXX XXXX  XXXX : # XXXX, XXXX 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 HAVE ALL VIOLATED MY FEDERALLY PROTECTED CONSUMER 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. 1681C ( a ) ( 5 ) ( 6 ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

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.A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I faced financial hardship due to the XXXX pandemic, which temporarily impacted my ability to pay rent on time. I communicated with my landlord about my situation but was still evicted despite pandemic-related protections in place.
Product: Credit card

I am writing to dispute a charge of {$91.00} to my credit card account XXXX made on XX/XX/year> ( posted on XX/XX/year> ) under the name of XXXX XXXX. The charge is in error because of an overcharge on the statement. The actual amount that was charged was {$92.00}, but the correct charge on reservation is {$1.00}. 
I booked a reservation of rental car from XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXrom XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The prepaid amount was {$120.00} ( charged as a separate transaction on XX/XX/year> under the name of XXXX XXXX ), and the estimation of cost is {$120.00}. The difference of {$1.00} shown in the reservation is what I agree to be billed on XX/XX/year>. 
I contacted their customer service, but they said the time of my rental was from XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX, which is more than XXXX minutes beyond 1 day, which resulted in an extra charge. This is incorrect. The actual pick up time is XX/XX/year> XXXXXXXX XXXX which is shown on receipt, so the time of rental is exactly 30 minutes in addition to a full day, which is within their grace period. Also, my return time is within 30 minutes of my scheduled return time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which is within the time that their grace period policy permits, and this is also confirmed in my conversation with customer service. 
Moreover, their customer service says my pre-paid reservation is incomplete, which also results in extra charge. This is also incorrect. I have received a confirmation email as well as the estimated cost of my rental. Regardless, I made an on-time return of my pre-paid rental car reservation, and I should be charged with the amount of {$1.00} on reservation but not extra. 
I submitted a dispute on XX/XX/year>, and they rejected my dispute on XX/XX/year> saying they didn't find a billing error. However, there's clearly a billing error. Therefore, I would like to continue to dispute the difference of {$91.00} between the correct charge shown on my reservation and actual charge on my credit card. 
Enclosed are copies of my reservation, my actual receipt, my email conversation history with customer service, and the grace period policy supporting my position and experience. Please correct the error on my account promptly.
Product: Payday loan, title loan, or personal loan

This company never disclose the fees/interest rates to me. 
I have try to reach out to them several times and finally was able to speak to someone and I ask for a supervisor to see what can they do after they already took {$530.00} from my account they want an extra {$530.00} if I pay today XX/XX/XXXX The loan was {$500.00} open on XX/XX/XXXX FINANCE CHARGE The dollar amount the credit will cost you. 
Amount Financed The amount of credit provided to you or on your behalf. 
Total of Payments The amount you will have paid after you have made all payments as scheduled. 
783.46 % {$2100.00} a total of {$2600.00} I explain my hardship and ask if they could reduce that predatory fees and they told me know and cant assist me. 

I need help! I'm a teacher and don't make enough money.
Product: Credit card

I need your assistance in helping me to the Bank of America account removed from my credit file. This account was originally opened by me but since the account was opened, I lost my wallet and many of my opened accounts was compromised. I have informed my creditors that my account was compromised. So, this account should be removed due to fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the three credit bureaus regarding the accounts stated below. I have asked the bureaus to place a fraud alert on my credit report to stop any further fraud from occurring and I have asked them to dispute the unauthorized accounts. 


XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX I am not able to see what dates the accounts were opened.
Product: Credit card

When I opened my US Bank XXXX XXXX Premier Rewards Visa Signature Card, the terms and conditions promised that as long as the annual fee is paid, a bonus award hotel night would be provided whenever I use my gold points to book award nights of two or more consecutive nights at the same XXXX XXXX property. That benefit is now being taken away, and no direct compensation is being provided. My annual fee of {$75.00} was charged in XXXX and I paid it because I believed I would be receiving the free award night benefit for the entire year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit Bureau is reporting incorrect Bankruptcy Chapter XXXX to my credit report. The information is wrong and this file should be removed from my credit report. I tried to request this credit bureau SEVERAL times as the other credit bureaus cooperated very easily. This credit Bureau stated the Bankruptcy is verified as accurate and remains. I then contacted the US Bankruptcy Court and ask them what is being verified or what are they reporting to the credit bureaus. 

I have attached a letter from the US Bankruptcy Court agreeing the credit bureau 's information is incorrect and should be removed. The court stated in this letter, it's my right to request this credit bureau to remove this incorrect info from my report. 

I expect this credit bureau to remove this Bankruptcy XXXX file in 30 days, or my lawyer will request to handle this in court. My lawyer, the US Bankruptcy Court and myself are waiting for your response, as we are ready to take legal actions is this is not removed within 30 days. 

I also have other supporting documents requesting this to be removed from my credit bureau, that the court attached. However, I am not going to include them, as it has my personal info on them and i do not wish to upload them for my own privacy.
Product: Consumer Loan

I was told, that after 1 yr. I was going to be able to lower my interested rate on debt consolidation loan. But, it turns out, that I have to reapply & pay another lending club processing fee. The rate is ridiculously high compare to current rates. I only took this loan in desperation. 
XXXX ),
Product: Credit reporting or other personal consumer reports

I have checked my credit report and I have discovered a fraudulent account on my credit report, this account is XXXX XXXX opened on XX/XX/year> with the account number XXXX, this is account is fraudulent and I do not have not given my consent for this account to be opened on my credit report.
Product: Checking or savings account

I submitted a fraud claim for multiples of transactions that occurred on my checking account on XX/XX/XXXX. Each representative I spoke with gave me an extremely rough time in steps to take and what to do in this situation. I had to figure out how to order a new debit card on my own, as well as how to even file a fraud claim on my own. XXXX rep processed multiple disputes on my account that now has my account in a negative status of over {$360.00} due to her error. I was credited provisional credits from a dispute she filed when it should have either been filed all together or just filed the correct way as a fraud claim. 

I requested confirmation or either copies ( via email ) for confirmation of claim submitted to which they refuse to send. 
They have only given me reference numbers which serve me no purpose. I need actual copies of the claim submitted for the police reports. 

XXXX XXXX has a XXXX liability for fraud and promises to credit account with provisional credit while you wait for claim to be resolved, which they advertise heavily on their website but they have refused to uphold this standard of practice for me and do not care to resolve my concerns. 

I have called every day over XXXX times per day to fix this as soon as I caught it. I can not sleep properly or eat with this disaster disrupting my life. I even applied for a line of credit to help with costs of living while I wait for this to get taken care of, and I was denied. 

I need some type of assistance to be given as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint requgarding ther fraudulent accoubts that I have been trying to have removed but up until now, you have done nothing. Let me remind you that under the Fair Credit reporting Act section 605b, you are expected and required to remove any accounts and information that resulted due to identity theft. Also, I have been sending dispute letters with complete attachments of my personal identifying documents as well as the FTC Report I received from the FTC. I have been waiting for you to respond to me letters but I received nothing! You have not provided me with copies of documents supporting your claims that the disputed items belong to me, and yet you continue to report these accounts as if they are verified. In accordance with the Fair Credit reporting Act section 605b, I need you to remove the following accounts off of my Credit File as soon as possible : XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$1500.00} Date Opened : XX/XX/2019. Your inability to respond to my letters or provide me with copies of proof of verification with these accounts should have resulted in the deletion of the disputed accounts off of my Credit File.
Product: Mortgage

I am writing to formally complain about the negligent handling of my home insurance by Rocket Mortgage, which has led to significant financial, coverage, and insurance eligibility issues. 

Background : Home Purchase and Initial Insurance : Purchased a home in XXXX, TN, in XX/XX/XXXX, originally insured by XXXX XXXX as recommended by my agent.Switch to XXXX XXXX : Due to dissatisfaction with XXXX, switched to XXXX XXXX in XX/XX/XXXX. 

This change was properly documented and communicated to Rocket Mortgage, my lender, which acknowledged the switch and paid the XXXX XXXX from my escrow account. 

Unauthorized Renewal with Encompass : In XXXX, following their acquisition, Encompass mistakenly reactivated my policy and informed Rocket Mortgage. Despite knowing about my switch to XXXX, Rocket Mortgage erroneously paid the XXXX XXXX from my escrow account. 

Issue Discovery : In XX/XX/XXXX, discovered my XXXX policy ( despite receiving my renewal ) was canceled due to non-payment because Rocket Mortgage did not pay them due to erroneous payments to XXXX despite numerous confirmed communications of my insurance switch to XXXX. 

Consequences : House Uninsured : The miscommunication and error left my house uninsured. 

Increased Insurance Rates and Cancellation : Facing increased rates due to coverage lapse and previous policy cancellation. 

Blacklisting by XXXX : XXXX has blacklisted my address, preventing me from securing insurance with them again. 

Inadequate Response from Rocket Mortgage : Resolution specialist XXXX XXXX contacted me XX/XX/XXXX Acknowledging a clerical error resulting in the over-insurance, lack of follow up or due dilligence, however, Rocket Mortgage failed to offer a satisfactory solution, merely advising me to find another insurer. 

Complaint Summary : Rocket Mortgage 's negligence in managing my insurance switch has resulted in my home being uninsured, increased insurance rates, and a blacklist from XXXX, causing severe financial and coverage difficulties. 

Their failure to correctly handle payments from my escrow account, despite knowing about my switch to XXXX, constitutes a significant oversight with substantial repercussions for me as a homeowner. 

I request a thorough investigation into this matter and appropriate actions to rectify the financial and coverage losses incurred due to this negligence. 

Including but not limited : Removal from Escrow requirement since the mishandling has led to such high financial cost and burden Increased gap insurance as a result of this clerical error. 
Remove Block from Address and new policy with XXXX
Product: Debt collection

I request Debt Validation Claim under the law 15 USC 1692 G. I need all 4 of these items. A. I want sent to me a full detailed list of the payment history on this account. B. I want to see my original signature that I agreed to on the contract with the creditor on this account. C. Has there been any Insurance Claim found on this debt? D. I want to see the chain of title that you have to collect on this debt. Lastly I need to see the 1099 C that was sent to me from the original creditor on this debt. This letter should be dated today and comes from me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Ca XXXX. Phone number ( XXXX ) XXXX my email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a section of my credit file related to fraudulent activity. There are still items that should be deleted. Under FCRA Section 605, you are required to remove any inaccurate records. I have already included this documentation in a previous letter, and I am resubmitting it for your reference. My attorney is aware of my intentions, and they are prepared to hold you accountable for continued non-compliance. 
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
Product: Money transfer, virtual currency, or money service

Back in the beginning of XXXX I reported my card stolen because of a transaction I didn't recognize. I dropped the case days later thinking it might speed up the process of getting a new card. It didn't. I was told I have to wait till after the XXXX of XXXX to get a new one. It's the XXXX, I tried this morning, and it's still not working. Can someone please help me?
Product: Checking or savings account

Peoples Bank had an advertisement for a bonus for their checking account as well as a bonus for their savings account. I clicked the link for the bonus and signed up for the checking account and savings account. The terms for the checking bonus were " Get a {$300.00} bonus when you open an XXXX  XXXX  XXXX account when you receive qualifying direct deposits in the account totaling {$2500.00} or more within 60 days of account opening ''. The terms for the savings bonus were " Open a Savings or XXXX XXXX account & maintain a balance of at least {$10000.00} for 60 days and get an additional {$100.00} bonus ''. I opened up the XXXX XXXX XXXX  account and met the terms for the {$300.00} bonus and I have now received that bonus. However, I also opened up the XXXX  XXXX  account .and met the terms for the {$100.00} bonus. I should have been paid the {$100.00} bonus but I have not received the savings bonus payment as of now. Please credit me {$100.00}
Product: Payday loan, title loan, or personal loan

Pnc wont allow XXXX anymore. Needs to be fixed. Cant even connect to XXXX  either.
Product: Credit reporting or other personal consumer reports

I'm a victim of id theft. Several accounts have been opened without my authorization, as reflected in my credit report. Specifically : Creditor Name : XXXX XXXX Opened Date : XXXX. XXXX, 2018 Account Number : XXXX These accounts were opened without my knowledge or consent, and I have no affiliation with the mentioned creditors. This unauthorized activity poses a serious concern for my financial security and creditworthiness. 

Fair Solution : Under the Fair Credit Reporting Act ( FCRA ), I request a comprehensive investigation into the unauthorized opening of these accounts. Any responsible parties should face appropriate penalties as outlined in FCRA 1681s-2. Additionally, I request the immediate removal of these unauthorized accounts from my credit report, in accordance with FCRA 1681i. 

It's imperative that my credit report accurately reflects my credit history and financial responsibility. Enclosed are copies of my credit report highlighting the unauthorized accounts, along with supporting documentation. Your prompt attention to this matter is crucial to resolving this issue efficiently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit Reports, And I discovered that XXXX XXXX XXXX # XXXX Account was still showing as delinquent for 30 days I would like to see about getting updated Account information Because I noticed that the account was reported 30 days late Although I was consistent with my account and it was a switch over With purchasing cars It should have never been on my report. 
Per section 609 ( a ) ( 1 ) Of the Fair Credit Reporting Act, you are required by federal law to verify and All accounts posted to my credit report, to report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with XXXX XXXX XXXX. This delinquent account record is inaccurate and I request that the following account be validated and properly removed And I requesting Updated information into 30 days. I have also supplied proof below in the documents I also have several telephone numbers An incorrect addresses listed on my account as well Which needs to be removed XXXX XXXX XXXX Multiple name spelling as well I am in the opt in system to give correct name and current address
Product: Credit reporting, credit repair services, or other personal consumer reports

I have old addresses, phone numbers, and wrong names on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax claims to have leaked my personal information in a data breach. This is an unacceptable level of data security on their part.
Product: Debt collection

Impersonated a lawyer, threatened my personal property, threatened my co-workers with a police officer. Was told to stop calling and continues to call and very aggressive and rude.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 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

XXXX IS NOT SUPPOSED TO BE ON MY CREDIT BECAUSE THE COURT DOES REPORT TO ANY CREDIT AGENCIES. I EVEN SENT LETTERS TO XXXX, XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces-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 inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information was stolen and CC were received by identify theft along with bank accounts and vehicle purchased. 
How can I get these off my credit report
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C. 1681b, consumer reports should only be accessed for permissible purposes, such as credit transactions, employment, insurance, or legitimate business needs. These inquiries do not fall within those permissible purposes.

Furthermore, 15 U.S.C. 1681c-2 restricts the sharing of certain information without proper authorization. I did not authorize these inquiries, and their inclusion on my credit report is unjustified.