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

Part of several Equifax data breaches where my information was sold XXXX. These data breaches affected me socioeconomically and placed my family at risk. For years, Equifax was reporting my scores low. Filed many complaints with CFPB against Equifax, however, no changes occurred. As I result of the incorrect Equifax score ; I have been denied financial products and given higher interest rates on credit cards and worse financial terms because Equifax is reporting that I am considered a credit risk. 

XXXX XXXX Credit Specialist at XXXX XXXX XXXX - California, charged me {$200.00} just for credit analysis. I was denied a XXXX ( " XXXX '' ) loan which could have changed my life in a positive way. Thousands of hours of the YEARS - emails sent out, hundreds of CFPB filed, reports with FTC, reports with OIG USPS due to mail being stolen as the data breaches helped criminals target me, typing up letter correspondences and sending it to the CRAs to verify identity to update my address, place blocks, take off accounts that didn't belong to me, contacting hundreds of third party data companies telling them to opt out they didn't have my permission to sell my information, and nothing changed. Since the data breach, I had to move as I have been tracked by psychotic criminals and if you don't think that is a big deal- they stalk my family. My children were recently hit on their bikes by these dangerous criminals and suffered injuries with $ XXXX in medical and attorney bills with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX. Over the years, they have hacked my credit cards, bank accounts, stole my mail after getting my address - stole everything thanks to your data breach. I paid XXXX {$100.00} for their monitoring service because Equifax didn't provide me with one after the data breach. 

When I contacted XXXX, they tried to deny I was a part of any Equifax breach. Told the Equifax Breach Settlement Administrator that I had losses from unauthorized charges to my accounts, many of which I had to close as I became a victim of identity theft. Lost history due to closures. The third parties that Equifax sold my information too not sure who they are, however ; I am a Veteran. I had to change my number 15 times due to identity theft- XXXX charged me a total of {$540.00} - {$36.00} dollars per number change. My family 's lives are forever impacted being victims of identity theft. 

Equifax data breach has led to serious impact on my family 's private life to include humiliation, discrimination, financial loss, physical, and emotional damage and even threat to life.
Product: Checking or savings account

I was at airport in XXXX I attempted to use card at a XXXX it was declined I immediately check the app and noticed that their was two cash withdrawal and XXXX fees this was Monday XX/XX/2022 around XXXX XXXX or maybe a little later one was for XXXX with XXXX fee at XXXX XXXX  and another at XXXX XXXX for XXXX with XXXX fee and they tried again for XXXX dollars a minute later and ut was declined. I immediately ask airport worker where I should go to report it but it was on the other side of airport I would have missed my flight then I contacted chime they said there is nothing they can do because withdrawal was pending I said if pending can u stop they said no I would have to call back when it's not pending. That was on Thursday XXXX so I called around XXXX XXXX to make claim and later that day I received email saying I was denied they will send me another card. I believe I was scanned thru my purse and they got my info I had a companion with me they will give statement if necessary
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act the following accounts are violating my consumer rights. I recently looked at my credit report and found multiple inaccuracies and violations. 

XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX. US DEPT ED - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights 7. BANKRUPTCY - REFERENCE # XXXX has violated my rights XXXX. XXXX XXXX  - ACCOUNT # XXXX has violated my rights XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXXXXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX  - ACCOUNT # XXXX has violated my rights XXXX. XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX  ACCOUNT # XXXX has violated my rights XXXX. 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 : States a consumer reporting agency can not furnish an account without my written instructions 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: Debt collection

I have asked Progressive Management Systems to validate debt and provide original authorization signature for medical information to be disclosed to them.
Product: Vehicle loan or lease

We have been attempting to enroll in a Covid 19 program for payment assistance sinceXX/XX/XXXX 
Here are the notes we have on our end : XXXX > first call to inquire about the program found on your website offering Covid 19 payment assistance. 
XX/XX/XXXX> emailed insurance declaration XX/XX/XXXX>spoke to a rep about a specific program ( temporary reduction via refiance for 4 months @ 6 % APR ) ; We were told that 1st Investors was not reporting any late payments at this time. 
XX/XX/XXXX> emailed insurance declaration again to another rep who said they could not find it XXXX XXXX XX/XX/XXXX>spoke with XXXX for an update XXXX XX/XX/XXXX>Spoke with XXXX XXXX manager for an update XXXX XX/XX/XXXX>Spoke with XXXX for another update ; We were told that everything was received an we were awaiting for the next steps. We asked about credit reporting and he relayed to us that they were not reporting any late payments during this Covid crisis at the very least and not to worry about it at this point. 
XXXX XX/XX/XXXX> spoke to XXXX due to XXXX not available because of vacation and that the case # was now missing on the declaration for the insurance. 
XX/XX/XXXX> Spoke to XXXX XXXX ( another manager ) who said the insurance was still not updated in their system but was updated on the insurance system ( a conference call with the insurance company verified it was completed and on their system. XXXX at this point offered another program to enroll in if we were unsuccessful with the current one and was going to call us back with details. ( one month deferral program ). We never received another call back since. 
XXXX XXXX I spoke with a manager whom indicated that we still were not enrolled in a program and that we could start the process for a different program at which point I informed her that we were already attempting to refinance with a credit union. I asked her if we needed to make a payment in order to have to time to refinance which we knew could take about 10 days and she was unsure and directed me to call another #. 

At this point in time we have given up on any program and have successfully secured new financing from XXXX XXXX XXXX XXXX   XXXX. 
How ever, I was un pleasantly surprised to find any creditor reporting late payments of any kind while we are in this Covid Crisis period. 
We are both now unemployed and have no idea as to how long this will continue base on government guidelines. However the loan will be paid in full with in the next few days and I would like the credit department to remove the late payment and correctly place a paid in full closed account remark instead. 
I respectfully ask that this be done immediately.
Product: Credit reporting or other personal consumer reports

For over two years, XXXX has claimed to have verified the accuracy and compliance of my account with Spring Oaks Capital LLC under FCRA standards. Despite multiple fraud claims and documented evidence proving the account was fraudulent, XXXX failed to act, resulting in both financial and emotional distress. Rather than properly investigating or providing financial compensation for their errorsnow totaling XXXX over the past yearXXXX ignored my disputes until a specialist who actually reviewed the file acknowledged the negligence and removed the account. 
Spring Oaks Capital LLC is a clear example of this misconduct. The account, originally with XXXX XXXX was falsely reported. XXXX initially stated the debt was both paid in full and sold to Spring Oaks Capital LLC. However, after two years of disputes, it was proven that XXXX reporting was inaccurate, leading to its removal. Despite this, Spring Oaks Capital LLC continued reporting the debt to credit bureaus using my personal information without my consent. They have consistently ignored disputes, operating as a predatory entity attempting to collect on a debt that was never valid.

Pursuant to 15 U.S.C. 1681i ( FCRA 611 ), XXXX has failed to properly investigate or provide any justification for why fraudulent accounts remain on my report even after their removal from other bureaus. This constitutes a direct violation of my consumer rights under federal law. 
Immediate Action Required This dispute has remained unresolved for over two years, despite clear evidence of fraud. Therefore, the following actions must be taken immediately : Permanent deletion of all fraudulent accounts associated with my personal information. 
Written confirmation of the deletions, sent to : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, MI XXXX, United States This is not a request for review or modification. My consumer rights have been violated, and I have suffered significant hardship as a result. Failure to comply within 10 days will require a detailed explanation from the assigned specialist, including full disclosure of the investigative process conducted. Any further negligence or noncompliance with FCRA and CFPB regulations will result in legal action, holding all responsible parties personally accountable for the financial and emotional damages incurred. 
Immediate compliance is expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a Victim of Identity Theft and opened Fraudulent accounts from the year XX/XX/XXXX until XX/XX/XXXX. I have paid a credit repair service, I have directly disputed this with them on numerous times and can not seem to get help resolving this. I have even filed a report with the FTC.
Product: Student loan

I entered a loan rehabilitation program over a year ago with a company Performant. I was told if I made 9 consecutive payments that I could a avoid going into default. I made those payments and did n't hear back from them so I called them and they told me that I was n't in their program, that I had signed a paper that I did n't want to be in their program, which I found out later that I had. The paper was entitled Confirmation of Agreement and towards the bottom it did say that if I did n't want to be in their program that I should sign it. However, I never knew I was n't in their program. Those payments were going to them and they never told me I was n't in their program. So I went into default and now they have been garnishing my wages for over a year. Do I have any legal recourse at this point?
Product: Debt collection

I contacted Trident due to noticing a collection on my credit reports. I contacted them for validation. I was sent a print out of a phone bill from XXXX that I did not recognize. I contacted XXXX who said they have no records of the account. I 've attempted on several occasions to get Trident to validate that I owe this money to them & they have n't but continue to report this collection on my credit reports.
Product: Debt collection

This account is currently Closed in the Credit Bureau file, but was recently sold to Portfolio Recovery. Account was opened about 3 years. I Notified creditor on this account, they are a rip off, said I owe more than I should.
Product: Mortgage

For the past year my family and I have been trying to process a mortgage loan modification with ocwen loan servicing, when we first started we were under the assumption from the representative all we have to do is fill out the packet of documents and provide all the documents necessary to process the application which we done so, the relationship manager at the time indicated it would be under review, but had indicated we had all the necessary documents that were provided. Then after a month went by ocwen had changed the relationship manager, so the new manager had us restart the process all over again. this seems to be recycling every 2 months to the point the documents become out dated, nothing getting expedited. I believe we have gone through XXXX relationship managers to date ( as of XXXX 2015 ). It is becoming almost impossible to get a loan modification in order to help my families financial situation. we need help and assistance, thank you
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. Or permissible purpose.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I started disputing an invalid late payment and paid charge-off on XX/XX/XXXX however, the bureaus never responded to me or advised that they would be starting their investigation with the creditors. I then disputed again on XX/XX/XXXX and XX/XX/XXXX. I am now submitting, today, XX/XX/XXXX my FOURTH dispute where I STILL have not received a response or ANYTHING from any of the bureaus!
Product: Money transfer, virtual currency, or money service

A transaction was made on my Venmo account to a XXXX  company and Venmo only reimbursed me a partial amount of the XXXX refund leaving my account on Venmo in a negative status of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on these accounts. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and were flagged as being past due. The disputed accounts are listed below. 
XXXX XXXX XXXX Balance Owed : {$600.00} XXXX  XXXX XXXX Balance Owed : {$1300.00}
Product: Mortgage

I requested my paper work on XX/XX/2019 for my pay history and also for my payoff .I have two remaining payments on my home that I have all the paperwork for but ditech refuses to send me my paperwork .Ditech says we owe 5 more payments .But I have received letters from them stating totally different amounts so that is why I requested my payment history from ditech I have called so many times asking them where my paperwork is and every time they give me lame excuses.I have made all of my payments to them to date we even over payed them ..I have all my paperwork to prove this.When I have called them about where my paper work is within three or four days later we get a letter from ditech stating our insurance isn't exceptable and we better get it fixed or they will place  force their own on us .I have always had my own insurance the whole twenty years { I have all my proof of this } .I am tierd of dealing with real rude and nasty people from ditech .And to top it all off yesterday we got a notice in the mail that Ditech fieled for chapter XXXX for the second time .This company needs to be shut down not given a waver of dismissal for their bad miss handling of company funds.They prey on lower income people and ditech calls us high risk ..how dare they ... they are filing for chapter XXXX AGAIN..thankyou
Product: Vehicle loan or lease

I have vehicle that is a XXXX XXXX XXXX. I was told that my last payment would by XXXX but when I called santander consumer usa. On, XX/XX/XXXX I was told I have to pay XXXX. The company keep adding Fees not able to explain the break down of fees such as intrest also. I have noticed that my maturity date keeps changing. On XX/XX/XXXX I requested a pay off quote. What was stated is that I have 16 Days to pay off the pay off quote which is way higher then our final pay off amount.I stated it seems like I 'm being penalized for requesting a payoff amount they said no ma'am your not But that 's not what it sound like to me when things were explained. I do have recordings of the last two reps that I spoke with at santander consumer Usa. Also I have screen shots of my payment history, intrest and also how my maturity date keeps changing which means this company is adding on mics. Fees to my account causing my husband and I to pay out more. At this point this company is causing pain and suffering because the company is taking more money out of our pockets then tey should causing us to fall behind on other bills trying to keep up with this bill. I have tried to get the correct account balance that I know is supposed to be paid off for the last and final payment by XX/XX/XXXX but my husband and i know for sure the last and final payment will be paid on XX/XX/XXXX@XXXX est. This company has been sued for underhanded and dishonest practices and at this point My husband and I have proof of everything and want to begin to take legal actions against this company. So please if possible can someone send my husband and I in the right direction to go, to take legal steps. My husband and I have been ontime with all our payments never late and we have been loyal consumers but this company has not been loyal to us.
Product: Payday loan, title loan, or personal loan

I called in XX/XX/2018 and asked to have my ach payment stopped for XX/XX/2018. I told them that my husband would be paying the account off in full XX/XX/2018. I wanted to have the ach stopped in order to avoid the account being overpaid and having to wait weeks to be refunded. I was told that they could not stop the ach unless there was another form of payment. I adv that my husband would be paying via Card. the rep still refused to stop the payment and i stated that I would have my husband call in. Due to his work schedule, It would be difficult to know for sure when he could call in. XX/XX/2018, I sent a ACH revocation letter to the company to make sure the payment would be stopped. The rep agreed to stop it but advised me that they would put my account into collections as a default. I asked how they could put a current account into default that has never missed a payment and was only trying to pay the account off in full.I then received an email stating that they had placed my account in collections and that it had defaulted. My payment is not due until tomorrow and I have never been late. Then I receive a long illegal voicemail from a MANAGER named XXXX XXXX leaving personal information then she called and left a message on my work voicemail. You would think I was really in collections the way I am being treated. All of this and all I am trying to do is pay off an account. No where in my contract does it state that if you revoke ACH authorization that you will be placed in collections as a default. It actually has other methods of payments such as cash, money orders, mail as well as credit cards. I can only imagine how customers who actually can not pay are treated, if they treat paying customers this way.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion inaction violates federal law and my rights as a consumer.
Product: Debt collection

i am dealing with identity theft. I called Capitol One XX/XX/2018 to close account that was fraudulently opened in XXXX. In order to get information about the person who commit the fraud like man/woman who talked to them seeing as how all lines are recorded for monitoring. They want me to send in a copy of my SS CARD, BC, AND Picture ID. When I asked why was someone able to open account without all this information XXXX ( capital one representative ) replied that you only need a SS # AND DOB. So, in order for me to retrieve information about when this account was opened, what the account number is, and what information was received they wouldn't allow it. I do not feel comfortable faxing over all this information seeing as how it was stolen in the first place. 

APPARENTLY MY ID # FOR THE FRAUD ACCOUNT IS XXXX