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

Apparently my data was stolen from Equifax as part of their massive data breach. This is beyond unacceptable. Their " protection plan '' wants me to waive my rights to sue them in the event that someone uses my personal data to carry out fraudulent activities using my identity. Additionally, their coverage is inadequate in that the actual impact of a potential fraudulent use of my identity may result in damages far greater than what they offer.
This is a serious issue that a company that I have no business with, no contract with and no control over has this much of my personal information. What recourse do I have in the event that something happens as a result of this breach? What is the CFPB 's recommendation regarding waiving legal options to get their 1 year of inadequate coverage.
This should not be optional coverage, and it should have no limit nor term. Should identity theft occur as a result of this breach, it should be Equifax 's responsibility to cover the damages regardless of when they occur and how much the damages are.
These companies should not be allowed to have access to this data without the individual 's consent. People are effectively forced into a business relationship with a private company that clearly has inadequate protections in place. As a result, millions of American 's are at risk to massive fraud and financial damages.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ONT HE EXPERIAN REPORT WERE NOT AUTHORIZED BY ME. MULTIPLE ATTEMPTS WERE MADE TO REMOVE THEM BUT ALL WERE IGNORED. 

SEE ATTACHMENT RESIDENT VERIFY XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Never heard from the investigator and corrected the error
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this complaint three times already that I have been a victim of identity theft but no one seems to care, that I want to dispute specific records in my file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX a unauthorized inquiry was made from XXXX XXXX I ask that it be removed. on XXXX XXXX a unauthorized inquiry was made in my credit profile I asked that it be removed in XX/XX/XXXX a unauthorized inquiry from XXXX was made to my credit profile I ask that it be removed On XXXX XXXX a negative closed account was reported to my credit profile this account is fraudulent and I ask that it be removed 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the
Product: Debt collection

I have been receiving calls from phone number XXXX since last fall. When I try to call the number back from my regular phone number it says it's not a working number. They call about once a week the call is mark spam it goes to my voicemail and they do nothing but say my name and hang up. They just say XXXX and hang up so this is been going on yeah since last fall I have it in my voicemail since XXXX of 2020 and it happens about once a week I finally figured out a way to find out who it was and what they wanted because I downloaded an app called XXXX and use the phone number associated with that to call XXXX and I found out the name of the company is Kinum and they are a debt collection agency based out of XXXX. This is very harassing and concerning that they would go to this level and I don't even know what this is for ...
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX  XXXX  has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit card

I did receive feedback from the Synchrony bank XXXX, expires XXXX/XXXX/2018. that they were contacted by consumer finance government. I am still being sent a bill claiming that I owe the bank {$35.00}. It might have been reduced to {$9.00}. There was no change reflected on my bill. Please contact this bank again. I do not owe this bank any money from purchases made on the bank. This bank is charging me for insurance which was never purchased or used. I am simply a shopper at Amazon. 
XXXX XXXX XXXX
Product: Mortgage

My husband passed and since then I have been struggling to make my mortgage payments. My home is in foreclosure and I have been trying to work with my lender Wells Fargo to find options to help me keep my home but I am constantly getting the run around and unable to get flat answers from them. After researching online I have realized I am not the only XXXX in this situation and feel I am being taken advantage of and not being treated fairly nor properly. I am now facing a sale date on XXXX/XXXX/2016 and can not even file bankruptcy to save my home as I have exhausted that option way to many times and can not afford to pay my mortgage on top of a payment plan through the court. I need more time to figure out my options and for Wells Fargo to work with me instead of selling my home.
Product: Debt collection

Dispute of Collection Account - XXXX  ( Account # XXXX ) Dear TransUnion Team, I am writing to formally dispute the accuracy of a collection account listed on my credit report, specifically relating to XXXX, account number XXXX. This account is appearing as derogatory with a balance of {$110.00} and is reported to be charged off as bad debt. 

Upon reviewing my credit history, I believe this account should be removed for the following reasons : XXXX. **Inaccurate Reporting** : The last payment on this account was made in XX/XX/year>, and given that it has been over XXXX years since then, I request verification of the validity of this debt as it may exceed the legal reporting period. 

XXXX. **Lack of Verification** : I have not received any communication from the creditor regarding this account after the last documented payment. There has been no updated or verifiable account information provided following the charge-off date. 

XXXX. **Impact on My Credit** : This derogatory mark is severely impacting my credit score and my ability to secure financial opportunities. I would appreciate your urgent attention to rectify this matter. 

In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this account and provide me with verification. If found to be inaccurate, I request that this entry be removed from my credit report and that I be informed of the outcome of your investigation. 

Please ensure to respond to this dispute at your earliest convenience, and I would appreciate an updated copy of my credit report reflecting any changes made. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their job is to investigate the truth not challenge the citizen!!!!! Also they have the last 4 of my unique Social Security number, the name on the report and birth date DUH- are we that stupid? By opinion this delay and hoax must stop! Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we were unable to honor your request or a portion of it based on the limited amount of information regarding your dispute. If you believe that an item on your personal credit report is inaccurate or incomplete, please provide specific information. Be sure to indicate the specific item you are disputing and explain why you believe the information is inaccurate, for example : " not mine, '' " paid in full, '' " never late, '' " included in bankruptcy, '' incorrect name, etc.

If the status, a date, an amount, a balance, personal information such as name or address, or any other specific information is inaccurate you should also indicate what the correct information should be. Once we receive this information, we will process your dispute.

You may also log on to XXXX, or call us at XXXX XXXX XXXX XXXX for faster service. 

The dispute process may take up to 30 days ( or up to 45 days for a dispute of information in an annual free credit report ). We will send you the results once completed. If you write to us, please provide the following : One copy of a government issued identification card, such as a drivers license, state ID card, etc.

One copy of a utility bill, bank or insurance statement, etc.

Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/uploa
Product: Credit reporting

There is NO option for cancelling the credit monitoring service on the online portal. When I searched and finally found the telephone number to call the call was routed to an overseas call center where I could barely understand the representative and TransUnion makes every attempt to thwart cancellation of the credit monitoring service. I provided my login, my order number, my name, my DOB but I refuse to provide my Soc. Sec. Number. This should have been more than enough information for them to cancel the NEVER disclosed ongoing charges but they refused. I finally hung up because I could not understand the representative and all she was doing was going round in circles asking for more personal information, or in other words 'phishing. ' Transunion NEVER disclosed this was an ongoing " service '' and refuses to cancel the account without me disclosing far too much information. More it seems that I had to disclose to sign up for their " Service. ''
Product: Debt collection

On XX/XX/year> i received a notice by mail from Hunt & Henriques LLP with a Reference # XXXX acting as a debt collector trying to collect. 
Alleged debt {$7200.00} I took action by submitting a dispute in writing on XX/XX/year> and requested for the company to provide me with debt validation, chain of title or proof of any supporting documents, original application that can proof its mine.
Product: Debt collection

Subject : Formal Request for Debt Validation, Cease Collection Efforts, and Cease-and-Desist Communication Dear XXXX XXXX XXXX XXXX and Absolute Resolutions Investments LLC XXXX I am writing to formally request validation of two accounts you have reported in my name : - Reference Number : # XXXX - Reference Number : # XXXX These debts are causing harm to my credit profile, and I am disputing their accuracy and legitimacy. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to full validation of any reported debt, as well as protection from unverified or inaccurate reporting. Until these accounts are validated, I am requesting an immediate halt to any collection efforts and removal of these accounts from my credit report. 

Specifically, under federal law : 1. **15 U.S.C. 1681g ( FCRA ) ** - This section entitles me to full disclosure of the debts nature and terms. I request documentation that verifies this debt, including : - The original signed contract establishing my liability, - A complete payment and interest history, and - Proof of legal transfer or assignment from the original creditor to each agency now reporting the debt. 

2. **15 U.S.C. 1681s-2 ( FCRA ) ** - This section prohibits reporting any inaccurate or unverifiable information. If you are unable to provide valid documentation to verify this debt, I request its immediate removal from my credit report to prevent continued reporting of unverified information. 

3. **15 U.S.C. 1692g ( FDCPA ) ** - This provision of the FDCPA requires that upon my request, you validate the debt. Until you provide complete and sufficient documentation, I am requesting that all collection efforts cease immediately. 

4. **15 U.S.C. 1692c ( c ) ( FDCPA ) ** - I am exercising my right to request a cease-and-desist of any further communication efforts regarding these accounts. This includes all phone calls, letters, emails, or any other form of contact with me or my family members. Any further communication will be considered harassment and a violation of my rights under the FDCPA. 

Please consider this letter a formal dispute and request for validation. If you can not provide sufficient documentation to validate these accounts, I demand that they be removed from my credit report in compliance with **15 U.S.C. 1681c ( a ) ( 4 ) **. 

Failure to comply with these requests may result in my seeking legal remedies, including damages, as provided under the FCRA and FDCPA. I request written confirmation from both XXXX XXXX XXXX XXXX and Absolute Resolutions Investments LLC regarding your actions to validate, remove, and cease communication regarding these accounts. 

Thank you for your prompt attention to this matter.
Product: Mortgage

My name is XXXX XXXX, XXXX, I work for XXXX XXXX XXXX  out of XXXX, WA. On XX/XX/2019, I secured financing for my clients through LiveWell Financial ( loan ID # XXXX ) for a purchase mortgage, locked the interest rate at 3.625 % on a 30 yr fixed rate and submitted the documentation for loan approval. 
On XX/XX/XXXX I received an email from this company confirming they were ceasing operations and that our borrower had to obtain financing elsewhere. The locked interest rate of 3.625 % was no longer available. 
Please see signed disclosures, particularly the lock agreement ( page 28 of 60 )
Product: Money transfer, virtual currency, or money service

I signed up for a Cash App account because in an emergency I had to sell belongings to get food during this crisis. I get my cash app handle $ XXXX  and setoff to sell my belongings. I exchange the goods and this stranger sends me money through cash app, i get a text from cash app notifying of the funds. Turns out this stranger wanted to buy both of my items for sale so he sent another XXXX and I ASSUMED since I had receieved 2 texts from Cash app stating the this person had sent me XXXX and another XXXX that I was good to go. However attempting to " pickup '' these funds proved to be impossible and cash app would insist on verifying my identify which I tried 2 ways to do and they STILL would not accept so they want a scan of your drivers license front and back, BUT there is no way to take or capture the image for the back so THERE IS NO WAY TO VERIFY YOUR IDENTITY and Cash APP has XXXX I mean absolutely NO SUPPORT WHATSOVER which is very very concerning. How does a financial company that sells stock not have any support, let alone a phone number to call. So, in my opinion this entire company is a complete scam and now they have my financial info, scans of my drivers license, everything needed to commit identity fraud. Not to mention I just lost {$120.00} and will not be able to eat today all because I trusted cash app. Please stop these people as they aided and abetted someone else stealing from me and they do not offer any support or way for me to resolve this issue.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I downloaded Trust Wallet directly the XXXX XXXX XXXX. My first time using it. I was using my home XXXX, my XXXX is up to date, and I thought that everything was secure. I transferred XXXX XXXX XXXX through the Trust Wallet directly from my XXXX XXXX. My first time moving any funds off of XXXX. I received all the correct notifications from XXXX and the etherscan showed it was successful, but I have XXXX XXXX in my Trust Wallet. I noticed this was because the XXXX XXXX was transferred out within XXXX mins of it being sent. I don't understand how this was even possible. I have locked my XXXX account and am awaiting their support team and I've been trying to make contact with Trust Wallet. The Trust Wallet has XXXX funds on it, but I do still have it on my phone. I haven't taken record of the etherscan documents from my incoming transfer and the stolen/unauthorized transfer. I use XXXX for all my passwords and I've been working on updating all of my accounts. I don't know what else to do, but this is a big loss for me and I'm hoping I can get some help or guidance on what to do next. 
Trust Wallet Address : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to TransUnion was on XX/XX/XXXX, XXXX and l Haven't received any response from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. These are the Summary of the Negative accounts reporting on my Credit Report XXXX XXXX XXXXXXXX Balance {$73000.00} XXXX XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX Balance {$17000.00} XXXX  XXXX Bankruptcy XXXX Dismissed XXXX  XXXX Bankruptcy XXXX Dismissed XXXX  XXXX Bankruptcy XXXX Dismissed
Product: Student loan

MOHELA incorrectly withdrew from my auto-debit account, and offered to initiate a refund. I requested the refund, but there has been no refund after 2 months. MOHELA has provided no communication about my refund request. 

Below is a timeline of events : XX/XX/XXXX : MOHELA inappropriately used the auto-debit to withdraw {$720.00} from my bank account. MOHELA had not sent the XXXX billing statement 21 days in advance. 
XX/XX/XXXX : MOHELA sent an email notifying me that I could contact MOHELA within 90 calendar days of the date of the notice to request a refund. 
XX/XX/XXXX ( approx ) : A secure message via MOHELA message portal was sent to MOHELA to request the refund. 
XX/XX/XXXX : MOHELA sends secure message response affirming receipt of refund request, and asked consumer call MOHELA. 
XX/XX/XXXX ( approx ) : Consumer called MOHELA and spoke with MOHELA representative, and verbally requested refund of the XX/XX/XXXX payment. The MOHELA representative stated she would enter the request. 
XX/XX/XXXX : No refund has been received. MOHELA balance has not changed. No communication from MOHELA since XX/XX/XXXX. 

Full text of MOHELA email : As your XXXX  loan servicer, we are contacting you to notify you about important information regarding your student loan account. 

Our records indicate that your XXXX billing statement was sent beyond the normal 21 days prior to the due date. 

Your automatic payment via auto debit successfully withdrew from your designated account in XX/XX/XXXX. 
If you feel as through the amount you owed for the month of XXXX was incorrect or that no payment was due on your account, you XXXX contact us within 90 calendar days of the date of this notice to request a refund and forbearance will be applied for that month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX credit report on XX/XX/2018, XX/XX/2018 and XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit reporting or other personal consumer reports

A secured credit card with XXXX opened on XX/XX/XXXX was charged off in XX/XX/XXXX. Charges on credit card were fraudulently added by XXXX XXXX XXXX XXXX, who I later sued and won a settlement against. 

Credit card was successfully deleted from my credit reports in XX/XX/XXXX, but later reappeared in XX/XX/XXXX. By law, I should have been notified in writing by the creditor that the account will be added back to my credit report within XXXX days of account reappearing. I was never notified.
Product: Mortgage

I make bi - weekly payments. I have been paid 1 month ahead since XXXX of XXXX. They are now trying to debt collect me showing I am late in XXXX when I in fact a already paying towards my XX/XX/XXXX payment. The last statement they had correct was in XXXX. They are constantly XXXX XXXX  my account. WHY WILL NOBODY DO ANYTHING ABOUT THIS FRAUD?????????????
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is Called UPGRADE INC. THe amount of the loan was for XXXX. The loan overview is # XXXX.