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

There are unauthorized and fraudulent information currently appearing on my EXPERIAN credit report. As a victim of identity theft and XXXX XXXX XXXX and XXXX XXXXXXXX XXXX in which my personal information has been compromised, leading to several fraudulent accounts and inquiries including 111 critical findings tied to my identity within the breach. I am requesting an immediate investigation of these items in accordance with the Fair Credit Repofting Act ( FCRA ). This breach resulted in the misuse of my information, including the creation of fraudulent accounts and inquiries on my credit report. I am attaching the necessary supporting documents, including my FTC Identity Theft Report and the notification letter for the breach. Also, I am also asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) - ( b ), 5564, and 5565, as well as my right to privacy under 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ). 
I have reason to believe my credit file has been subject to improper investigations or reporting practices, leading to the inaccurate reporting of my information. Additionally, I am concerned that Experians handling of my credit file may violate my privacy rights as guaranteed under the FCRA, which mandates that consumer reporting agencies ensure the accuracy, completeness, and privacy of the information they report. I have reason to believe based on my disputes with Experian they did not use reasonable procedures to assure maximum possible accuracy of my information per USC 1681e ( b ). Also, please update my name, and remove all alias names. Driver 's license attached. Please update my address, utility bill is also attached.
Product: Debt collection

Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach / identity theft. All is being investigated by the CFPB and FTC. According to FCRA 605B this information must be blocked immediately until the investigation is over. I AM SEEKING LITIGATION, PLEASE DELETE AT ONCE asap. Compensate me {$1000.00} per inquiry violation for all the damages that I received to 15 USC 1681n.
Product: Student loan

I received a private student loan from Navient in 2007. I took out this loan for a for-profit college that has closed due to unjust practices, misconduct, and lies pertaining to students future. Also, the amount has more than doubled of what I borrowed and I have paid on it at least five years.
Product: Credit reporting or other personal consumer reports

There are inquiries in my credit report that have not been authorized, nor do they have my consent
Product: Credit reporting or other personal consumer reports

To whom it may concern this is to get the attention of LexisNexis Risk solutions as our conversation today XX/XX/2024, at XXXX XXXX. In regard to my personal information, I have come to a conclusion that the information you have on files including all data must be deleted immediately, LexisNexis Doesn't have any Authorization from the consumer in order to trunk any personal information, neither to sell or share the information with Health insurance companies, Auto insurance companies, Federal and State agencies Law enforcement, Without the Consumers consent. I am here to say That this is a Criminal Penalty. Any officer or employee of an agency, who by virtue of his employment or official position, has possession of, or access to, agency records which contain individually identifiable information the disclosure of which is prohibited by this section or by rules or regulations established thereunder, and who knowing that disclosure of the specific material is so prohibited, willfully discloses the material in any manner to any person or agency not entitled to receive it, shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i ) ( 1 ). Any officer or employee of any agency who willfully maintains a system of records without meeting the notice requirements of subsection ( e ) ( 4 ) of this section shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i ) ( 2 ). Any person who knowingly and willfully requests or obtains any record concerning an individual from an agency under false pretenses shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i ) ( 3 ) Wish you have violated by sharing an selling this information, if LexisNexis Risk solutions Can not provide the consumer hard concrete evidence of a contract wet signature His information must be deleted as soon as possible And provide the consumer civil liability for the damages of releasing his information without his consent. I the consumer have this right call the Privacy Act, Section 1798.105 Right to deletion.
Product: Debt collection

I believe I have paid this debt but it still shows on my credit report
Product: Credit reporting or other personal consumer reports

ACCORDANCE WITH XXXX XXXX XXXX ( XXXX ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS ADDRESS NAMES TO BE FURNISHED ON MY XXXX XXXX XXXX XXXX REPORTS. ACCORDANCE WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROTECTION OF NON-PUBLIC PERSONAL INFORMATION I DIDNT GIVE WRITTEN CONSENT! ACCORDANCE WITH XXXX XXXX a b c d XXXX OBLIGATION WITH RESPECT TO XXXX XXXX of personal information i never signed any disclosures forms given written consent! 
XXXX : NAMES XXXX XXXX XXXX, XXXX XXXX, ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX PLEASE DELETE PROMPTLY I KNOW MY RIGHTS
Product: Checking or savings account

I deposited checks with Bank of America the past weekend to avoid overdrafting my account. Deposits were XXXX and XXXX, I believe. Their system advised that funds would be available for purchases on XX/XX/03 and as of the next business day. The smaller deposit was even done with the bank during normal business hours, but the funds were not made available. When asked why the funds were not available they said it HAD to process for 1 business day before funds would be available. This has not been an issue in the past with funds usually made available right away but I understand that funds may not be made available during the weekend though they should honor the information provided to consumers on their systems
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union has been giving me he'll as someone In Texas has stolen my identity and I called the following companies XXXX XXXX XXXX XXXX XXXX and a company called XXXXXXXX XXXX XXXX they are asking for my ID and so number due to THEM sending their energy to whoever and never asking for their customers to furnish ID thus making my credit bad then u got all kinds of hard inquiries that I didn't make for several loans from like 100 different places which was not me, I mean someone's using my name and then Trans union is giving me a hard time with it being I was homeless how the he'll could I have a energy bill? Then I T looks like the person got energy bills at several addresses and the majority is in Texas... I never been to Texas a day in my life at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Trans union ignores that I am XXXX XXXX XXXX but they continuously keep making me be XXXX " XXXX '' XXXX ..how when I have no middle name... it's crazy ..Trans union along with their XXXX XXXX  is making me mad XXXX XXXXXXXX.. if u call NOBODY speak clear XXXX which make me think it's a a scam " '' Straight up!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$630.00} XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$28000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} XXXXXXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$2600.00} XXXX XXXX XXXX XXXX XXXX  {$260.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$2600.00} 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
Product: Mortgage

We were paying the mortgage by phone because there were no branches in the vicinity. There was a {$19.00} dollar phone fee which we never knew about until after six months therefore we were contacted by mail telling us we were behind in our mortgage and late charges and home inspection fees started to mount up. Whenever we tried to call them we were either hung up on or put on hold forever. Furthermore, they told us to apply for a loan modification, not only once but three times. They told us papers were missing, which we sent by certified mail and continued to get the run around. We have paid the mortgage for twenty three years between four different lenders. XXXX XXXX XXXX before transferring our mortgage to Nation Star told us our payments would be lowered and Nation Star never acknowledged it. When we could n't rectify the situation, we stopped paying the mortgage. We are currently going through the foreclosure review process.
Product: Debt collection

I have tried time and time again to convince XXXX and this XXXX XXXX that this debt was not created by me. I have never had XXXX and for them to sit there and tell me that I have is wrong. 

I have tried and tried to negogiate with these people and they refuse to corporate with me, I have never had XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Covid Pandemic period, I was offered a Covid  Forbearance plan by XXXX. The started XX/XX/XXXX to XX/XX/XXXX. No payments but I had the option at the end of the period to repay the arrears in full in XX/XX/XXXX or Modification plan and arrears will be added to the balance. I accepted the Modification plan in XXXX and made some payments towards the arrears. They stated that no delinquency or late payments would be reported to the 3 credit bureaus. The put me on a trial period plan where I make 4 straight payments then I will have a regular payment plan. I have done everything that was asked of me, and it can be verified. This morning, XX/XX/XXXX, I received alerts from the 3 credit bureaus that I had 120 days late and it dropped my credit scores XXXX points!!!!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. these are some of the accounts XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,
Product: Payday loan, title loan, or personal loan

I was paying advance financial in payment agreements that waived the interest. I was originally working with a lady there but she got promoted to a different dept then After that when calling in I was sent always to a different dept called a work out dept. They continued to waive interest but when Covid first hit My income was and still is in ruin. I paid this account down according to my receipt {$700.00} as attached, which was the last payment I had made to advance financial. Advance financial sold this account to a collection agency called XXXX XXXX XXXX for {$1000.00} when I paid it down {$700.00}, they tacked on {$300.00}, this is not right basically they took my money when I could make payments but turned around and sold it at an amount it originally was or added the {$300.00} and some odd dollars back onto balance. This is shady business and not right. I am currently unemployed and can not handle making payments right now due to simply trying to stay afloat. I have tried calling even spoke with manager to make my {$50.00} payments but no one seemed to not know what was agreed upon in waiving interest etc..
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I began my search for 2 XXXX puppies to purchase. I located XXXXXXXX XXXX XXXX online and contacted XXXXXXXX XXXX XXXX for more information. After communicating with XXXX XXXX XXXX  via e-mail, we soon both agreed that I would like to purchase the 2 puppies. I received a contract ( attached ) which I signed and sent back. I then sent deposits, etc ... after sending payment through my Chase bank app I was notified from XXXX XXXX XXXX that the puppies were delayed in XXXX XXXX and more funds were needed via XXXX. I sent the money, and then the sketchiness began. I stopped receiving calls, etc... 

I contacted Chase bank & XXXX to resolve this issue and they provided me with no resolution and said that there was nothing they could do for this. Obviously disgusted by the matter and who would do something like this, I began utilizing all resources and securing documents that were exchanged. But with no luck or resolution from either company. 

Chase Bank & XXXX who both were notified refused to resolve this issue on my behalf as a result. Even with proof. Maybe it is something I would have to in the end look into a lawyer because the end result after having contacted both Chase Morgan & XXXX was not acceptable to say the least.
Product: Credit reporting

I have requested on 3 different occasions to have account deleted from my credit profile. The credit bureau continues to report item despite inaccurate information. XXXX XXXX was never authorized to obtain credit file or insert items to credit file under any circumstances.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX ( today ) I spoke to a supervisor at XXXX XXXX. The supervisors name was XXXX, who proceeded to disclose to me that the reason why the XXXX XXXX delinquent report ( XXXX of late payments ) has not been deleted is because XXXX one has not reported to the bureaus ( Equifax, XXXX and XXXX ) to delete it XXXX Even though its been XXXX  years, and that delinquent type report should have been deleted already. 
XXXX the supervisor told me he would reach out to XXXX XXXX of deleting it, but I had my doubts since I have been requesting that they remove this XXXX  months ago, as you know from the initial report and they still havent removed it. 
So XXXX I spoke to XXXX a supervisor at XXXX XXXX and she proceeded to tell me in order to remove this delinquent type report, I need to send a letter to their private credit bureau that handles these reports. 
I asked XXXX XXXX, why they cant remove it, because it should have been removed several months ago, why should I have to write an actual letter? 
She couldnt give me an answer. I also asked them why is it quick for them to report a missed payment, but it takes XXXX  days to remove a report that should have been removed months ago? No answer. 
I also asked the supervisor of XXXX XXXX has XXXX XXXX and Equifax and XXXX reached out in trying to remove the report that Ive been complaining about? She said I can not answer that. 
Im blown away that a financial institution ( XXXX  XXXX ) is able to get away with this. Its in fact against the law to have a report such as this for more than XXXX  years. 
Heres what is so outrageous about this whole situation. These credit bureaus have a legal responsibility to keep an eye on how long the reports are on there end and when they should be removed. Based on what I have seen so far with all XXXX  credit bureaus is, they are not keeping an eye on their data. And it seems to me that all three of these credit bureaus, including some of these financial institutions do not seem to care about the consumer. Which negatively impacts vantage XXXX score which XXXX XXXX works along with. And negatively impacts the scores with all three credit bureaus due XXXX XXXX  negligence. 
Due to this issue, it has interfered with me not being able to proceed with handling business. I am unable to purchase a vehicle and get a personal loan due to their negligence. 
Heres whats mind blowing, we are in XXXX  and yet the only way to reach out to this XXXX bureau of XXXX  XXXX in XXXX XXXX XXXX is by mail? Is this a joke? Unacceptable and messy!
Product: Debt collection

US BANK ( Credit Card Provider ) XXXX XXXX. 
Contacted US Bank and explained I no longer work for the organization for which I received a card. 

I informed US Bank I resigned a month ago before the closing date. 
The individual had the nerve to tell me I had to fill out an expense report or the bill would be submitted for collection. Mind you I resigned over a month, XXXX XX/XX/2023. 

Also, I was informed to contact my old company to see how they wanted to handle the situation. Why would I attempt contact with a company I just resigned from?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXX/XX/XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 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: Debt collection

To Whom it XXXX Concern : Suttle, Hammer and White identified themselves as Attorney 's via letter correspondence when they served me with a summons to appear in court in 2015. But when I call, the voice mail states the opposite as do the reps that pick up your call. I negotiated with SHW to pay {$1800.00} with {$1200.00} down and {$100.00} a month there after. I paid {$1400.00} instead and have diligently paid the {$100.00} agreed upon amount. I sent check # XXXX dated XX/XX/XXXX for the agreed amount of {$100.00} and requested a receipt that this was the last payment. Instead of correcting me that it was in fact not the last payment, Suttle, Hammer and White sent my check back to me with a letter stating it was not the last payment. Not only was this an adolescent and lame response, this jeopardizes the payment plan I had to agree too and now I am concerned of late fees. So, instead of cashing the check that I wrote, they sent it back because I wrote on an index card requesting a receipt that this was the last payment.
Product: Debt collection

I sent a letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Product: Credit card or prepaid card

Fax XXXX XXXX XXXX Account Manager XXXX XXXX Case Number : XXXX Paid Off Account XX/XX/XXXX {$7400.00} XX/XX/XXXX {$300.00} Automatically payment withdraw from XXXX XXXX account Account gets positive credit {$300.00} Customer ask to reverse {$300.00} back to XXXX XXXX but the money never made to his account. 

Customer called inquire about the reverse status of the account Bank of america representative instructed customer to contact his bank wells fargo. 

XXXX XXXX re ensure money never made to the account and reverse the charge. 

Could Bank of america prove the money went back the customer account? 


A Bank of America representative told customer that the money was send to a company called XXXX XXXX. 


Customer is sending statements as Bank of America requested from banking account activity back to XX/XX/2018. 


Please note : The {$300.00} went back to customer account on XX/XX/XXXX as a result of a dispute. 

If the account was {$300.00} positive and the only money refunded was {$300.00} the Bank of America balance should be reflecting {$0.00} and instead is reflecting - {$300.00}.
Product: Debt collection

I have been contacting XXXX  concerning to previous complaint about the inaccuracy being reported on my report. However, XXXX  obviously failed to provide me any feedback and updates with regards to my concerns. That means XXXX  has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see this inaccuracy I found on my report : CREDIT COLLECTION SERV ( Original Creditor : HIGH POINT SAFETY ) XXXX-Balance {$240.00}