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

To date, I have come to realize that insurance companies are allowed to receive information from all three credit reporting agencies about our credit utilization, which plays a significant role in determining insurance prices. However, these same bureaus don't ask the insurance companies for input on premium payments, which may improve an individual 's score. Furthermore, in the majority of circumstances, the scores are requested without permission from the consumer. It is important to be aware that circumstances can negatively impact an individuals reason for failure to pay or slow pay ; i.e. sickness, lost of employment, etc. 

As a XXXX patient, I am fully aware of the economic damage that individuals may encounter during a health crisis. My insurance carrier has increased my coverage by several XXXX dollars, even though I have never had a car accident or committed any moving violations. For the past five years, I have made timely payments. My credit score was assessed every year without my consent or knowledge. There is no one challenging this untouchable industry. 

This is a practice that requires the CFPB 's attention. The automobile insurance industry has honest, hard-working individuals at its mercy because no one is willing to police their corrosive behavior. 

The fact that XXXX is now in the automobile insurance business appears to be a conflict of interest. During tough economic times, households are left at the unscrupulous mercy of an under-regulated industry that has one-way access to information that can be economically debilitating. Only the CFPB can put a stop to the information decimated by the three credit bureaus, especially since rates are quite lucrative for the insurance industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. WELLS FARGO COMPLAINT. 
While banking with Wells Fargo bank on XX/XX/XXXX. I ran into the trouble with finding employment. As member, I had choice to pay my bills automatically. Going through the struggles, I asked wells Fargo bank to cancel the incoming automated payments bills, instead they informed me that this was not possible. They informed me that this was solely on system. By the end of all this, I had {$950.00} in fees with bank which I paid all of it off to the bank. Bank having little satisfaction, it reported me along with my social security to all its associates and many other financial industries as risk customer. I soon realized that since my name can be found into Early Warning System which completely sabotage my life and shaded my reputation even after I finished paying off the debt that I owed. I would like your office to have Wells Fargo bank do its duties by taking off my name off XXXX XXXX XXXX as risk customer and stop ruining my reputation. 







1. XXXX COMPLAINT. 
While banking XXXX bank on XX/XX/XXXX. I fell for scam employment which I happened to receive job offer working from home. This offer came with funds to purchase computer equipment and pre-paid life insurance. Being hesitant customer, I informed XXXX customer services that I did not completely trust this new employment since I did not know if the fund were really. I received cashiers check in mail which I went ahead and deposit into my account with XXXX. I waited for while for all the funds to be available and XXXX customer services insured me that there was no problem with check. So, I started purchasing equipment and other things needed for the job. Within 72 hours, XXXX bank fraud department told me that check was fake, and I was responsible for it. I was treated as perpetrator instead of victim. I reported incident to the FBI and I informed the bank that I was not nearly perpetrator and nor responsible. I informed the bank that the case was reported to the proper authority. I maintained my innocence while informing the bank that it failed to do its duty. The authority informed me to stop talking to this employer. XXXX bank reported me to XXXX XXXX XXXX and other financial industries as risk customer and shaded my reputation. I would like your office to investigate this matter and advise XXXX bank to remove my social security off XXXX XXXX XXXX and stopped ruining my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove 3 inaccurate addresses from my report which is leaving me susceptible to identity theft. I have contacted them and they continue to say contact the furnisher ; however, ALL 3 the furnishers communicate with me at my current address.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$1900.00}
Product: Debt collection

Allied Collection Services, Inc at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX has sent me a collection notice in the amount {$1000.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This Company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I sent a letter out to Equifax asking them to reinvestigate this account : XXXX XXXXXXXX XXXX XXXX XXXX and remove inaccurate information. Here is my tracking number : XXXX USPS. 

They sent me their investigation stating this account is complete and accurate. I looked at my report and everything is still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 1681s-2 this is suppose to happen ( A ) reporting information with actual knowledge of errors 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. 
( B ) reporting information after notice and confirmation of errors 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, accurate. 

Equifax really did not reinvestigate, they lied on an official document saying they did something they didnt do and I have the evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX XXXX and XXXX XXXX, Equifax was hacked and a large number of accounts were released to those hackers. After using Equifax 's website to see if I was affected, the Equifax website declared that I most likely was included in the hack. I 'm posting a complaint against Equifax for this hack and the delay in which they alerted people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report.

The credit burruea stated my account was properly investigated, but how is that possible If the open date isn't accurute The date last active isnt accurate. And the date last reported is inaccurate. That is grounds for removal.

They violated my rights under the 15 U.S.C. 1681, Section 602 A states I have right to privacy.

15 U.S.C 1681 Section 604 also states that Consumer report agencies can not furnish my account without my permission.

They also violated my Hippa rights.

I had no knowledge or consent of my medical info being disclosed.
Product: Mortgage

I 'm in the middle of a foreclosure modification with Bank of America. Bank of America has refused to answer the phone, return my voicemails. Bank of America has filed a Lis Pendens. I have a contract to sell in order to avoid foreclosure. Bank of America 's attorney told me that my mortgage was being served by XXXX. I want to avoid foreclosure but Bank of America will not communicate with me.
Product: Bank account or service

My father died XX/XX/XXXX leaving his checking account to me and my XXXX siblings by designating us as equal beneficiaries using a Pay On Death instruction. We all live in different states. It has been a nightmare dealing with this bank. Today, my sister, the executor for my father 's estate, went to the XXXX NC branch to close the account. She had in her possession a certified death certificate. The bank issued a cashier 's check to her in all XXXX of our names. THE CHECK IS USELESS!!! We live in XXXX different states, ca n't get together to sign this useless check so that it can be cashed and the funds disbursed as per my father 's POD. AND SHE WAS TOLD SHE COULD NOT RETURN TO THAT BANK BRANCH TO CASH IT EVEN IF SHE COULD MANAGE TO GET OUR SIGNATURES ON THE CHECK. No bank will take a check made payable to XXXX individuals. So, BB & T, you are still holding our money hostage! The account has been closed and we have a useless cashier 's check that NO BANK will cash. Now we have to hire an attorney to sue your bank to get our money. Is this how you treat your customers? Even though your " customer '' is deceased, we became your customers at the time of my father 's death. What is so hard about closing an account and issuing separate checks to the XXXX named beneficiaries? I 'll probably not hear anything from you in reply to this post. You did n't reply to my first post yesterday either. But I will continue to post my complaints until this gets resolved. You do not do business in an honorable way and I am glad that I do not bank with you.
Product: Debt collection

I do not consent to XXXX verification and want an actual living human being to read this. I attempted to inform XXXX about violating my federal consumer rights by the way they were attempting to collect a debt from me. I will attach their response letter, and it will show how they completely ignored my complaint and didn't even mention the violations I complained about nor compensated me. I fully attend to pursue Arbitration for violating my federally protected consumer rights due to your company way of trying to collect a debt from me per 15 USC 1692k - Civil Liabilities. They completely violated my privacy with the logos/name on the envelope and I will have proof to every logo/company name that are violating my federal consumer rights attached below. It's illegal to furnish any name/logos on the statements I received due to anyone in my household or anyone within mailing/handling my mail now knows who I'm conducting business with which is clear invasion of my privacy. 15 U.S. Code 1692b - Acquisition of location information & Privacy Act of 1974 are being infringed up by your company and ill have clear evidence attached below. Also, it's a few other laws I could mention so if we do have to go to Arbitration then we will also have to address the many other ones also. I don't mind receiving a statement/certificate of indebtedness every month but please do it the correct way and please compensate me for violating my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

Attached is a letter from XXXX XXXX  for proof of payment of the the following credit card accounts listed on my XXXX and XXXX credit Report : XXXX XXXX XXXX  # XXXX, {$250.00}, XXXX XXXX XXXX # XXXX, {$330.00}, XXXX XXXX XXXX  {$100.00} and XXXX XXXX {$610.00}. I want XXXX and XXXX to make a notation that the accounts are paid off and I want the accounts immediately closed, deleted and removed from my XXXX and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are unknown and unauthorized by me. My identity has been compromised in numerous ways to the point that i can not just pin point the exact source. Years ago my identity was lost with my wallet. But I also know i been a victim of the dark web as well as the infamous Equifax breach. All these episodes are beyond my control. Therefore, I'm demanding that the following unauthorized accounts be removed and block from my credit file immediately. 

1 ) XXXX XXXX XXXX {$120.00} 2 ) XXXX XXXX XXXX {$320.00} 3 ) Dept of ED/XXXX {$7700.00} 4 ) Dept of EDXXXX XXXX {$5100.00} XXXX ) Dept of EDXXXX XXXX {$5700.00} 6 ) Dept of ED/XXXX  {$5000.00} 7 ) Dept of ED/XXXX  {$1600.00}
Product: Credit card

I am getting calls where the caller is posing to be a USAA agent. They seem to have about the first XXXX of the numbers of my credit card and are trying to get the rest. This started around a month ago and I have notified USAA about the situation. My most recent activity was a call yesterday, XX/XX/XXXX at XXXX XXXX from XXXX XXXX. I had another call today, XX/XX/XXXX at XXXXXXXX XXXX. from XXXX. XXXX. They keep trying to convince me that they are from USAA and keep trying to get my full credit card information. This is a recurring activity of theirs. They have been able to spoof the USAA caller ID with the actual USAA phone number in the past.
Product: Credit reporting or other personal consumer reports

I never gave anyone permission to access my credit report to put hard inquiries or collections on it.. I never gave anyone permission to run my credit either I need all things mentioned in my identity report to be removed immediately all inquiries and collections from TransUnion XXXX XXXX
Product: Mortgage

Starting with phone conversation the representative was n't truthful. I was told payment could be Scheduled on line free of charge. This is not true they charge you for paying on line. I thought I was doing business with New Day Financial as I was told. Then a few weeks after closing I received a check for $ 1500.00+ & change from my home owners insurance company I called them to ask why they informed me insurance had been paid two times. I called mortgage company they said they did n't know anything about it. I put check in bank & saved it in a couple of months I got statement from a loan servicing company That New Day turned me over to but say still is New Day. They informed me I owed {$1700.00} or payment would go from {$800.00} to {$960.00} per month. I asked when I only got {$1500.00} check why did I now owe {$1700.00} they said that 's way they operate. Now my payment went from {$800.00} to {$820.00} per month! In my opnion I 'm being taken advantage of. 
My loan is VA & I 'm in my XXXX do n't have lot of money to fight these people with so I 'm hoping since it is a VA loan I can get government help. I feel these are the most dishonest people in the business. 
Thank you in advance for any & all help you can do.
Product: Payday loan, title loan, or personal loan

In XXXX I applied for a payday loan on-line with XXXX ... I did receive the money ; however, I had problems paying it off because of the high interest rate and exhorbitant fees so I enrolled in a Debt Consolidation Loan company in XXXX ; and they negotiated with XXXX XXXX XXXX creditors at the time ( I had several ) ; and worked me out a plan where I paid them XXXX monthly payment ; and, they paid each of my creditors. It was my understanding that XXXX was one of those payday loan creditors. I successfully completed the program. 

That was XXXX years ago. Until XXXX weeks ago, I had not received a phone call or any mail from XXXX saying that I owed them money. Now, they are threatening to sue me if I do not pay them XXXX  which I can not afford to pay in XXXX lump sum.I can not afford the payment arrangement of $ XXXX XXXX @ XXXX XXXX ) XXXX. 

I do not think it is right for this creditor to seek payment from me when I in good faith made payments to them back in XXXX. If they were not acceptable of the payment arrangement with the debt consolidator I used at the time, I was not aware of that. 

Please help me with this matter because I have worked hard to rebuild my credit in the past 3 years ; and I do not want this matter to show up on my credit. 

Thanks, Distressed Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute my loan debt due to a breach of my personal and financial data, which constitutes a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). My sensitive information was compromised as part of the recent data breach involving XXXX XXXX and DOGE, which exposed personal and financial details without my authorization. This breach has caused significant harm and placed my financial security at serious risk.
Product: Credit card or prepaid card

I have a credit card account with chase card services www.chase.com for almost 20 years and I have been paying 5.90 % annual interest rate. I have never missed any payments and I pay a lot more than the minimum payment. I am on social security XXXX now and I use the credit card to buy stuff online and have it delivered to my house for XXXX accommodation. The problem is suddenly .... Chase has sent me an IMPORTANT CHANGES to your account notice ... They are DOUBLING my interest rate to 10.74 % interest per year! They claim that my interest rate is BELOW the LOWEST APRs that they offer on similar accounts. My 5.90 % interest rate is the lowest evidently on these SIMILAR accounts BUT they are saying that 10.74 % interest is what they RECOGNIZE as the lowest APR on these SIMILAR accounts so they can almost unfairly DOUBLE my interest rate with double talk. 

I am already having trouble paying the bill each month. I will have to see a bankruptcy lawyer if they double the interest rate. I am supposed to be entitled to an equal opportunity for credit but they are doubling my interest without any missed payments or problems. I pay by phone or on their website now to make sure I have a receipt for the payment. I started paying online just a couple of months ago and now they are wanting to double my interest rate. Please help me from going into bankruptcy.
Product: Debt collection

Why is XXXX XXXX a debt collector employed by Modern Adjustment Bureau , INC, a California Corporation # XXXX, trying to collect 1 ) a debt paid to Dr. XXXX , the owner of the debt, in full about 5 years ago and 2 ) why is XXXX XXXX maliciously and illegally attempting to collect a debt in violation of California Civil Code of Civil Procedure, Section 337. California has a 4 year statute of limitation and the debt was incurred on XX/XX/XXXX and paid in XX/XX/XXXX. 

Also, in violation of FDCPA, violating sections 105, refusal to cease contact with me after I asked Ms. XXXX that for as long as she lives on this planet, I DO NOT want to contact with her via mail, fax, telephone, calls at work, on my cell numbers? Ms. XXXX, identified to me as an employee of Dr. XXXX, to whom the debt was owned and paid in full. She mislead me and falsified the fact.
Product: Student loan

This company has all kinds of representatives giving you wrong information. They told me while I was in XXXX I would have lower payments and once I XXXX I would have 6 months before I had to pay the loan. A week after I XXXX they took {$280.00} out of my banking account. I called in to tell them how it was explained to me of when my payments would start and they completely denied everything. I stopped making payments and of course the account went delinquent. I called in to figure out what I could do, and a SUPERVISOR specifically told me that according to clearing house it looks like I 'm below XXXX. I explained to her my next classes do n't begin till XXXX/XXXX/16 and she stated I could make a XXXX payment that would bring my account current and I had 30 days to turn in my schedule from clearing house showing that I 'm full time. She said the phone calls would stop and I do n't have to worry about another payment until they actually did receive the schedule. She did state that I have to make sure to turn in the schedule otherwise they could take action on the loan. Now, just 10 days later the harassing phone calls have started again and they 're stating " No, that was not what was told '' and want me to pay {$2000.00} up front.
Product: Credit reporting or other personal consumer reports

Social security number is XXXX my complaint con transunion credit report theirs three adverse negative accounts that are fraud it's supposed to be removed theirs a federal trade commission identity theft report on file. And XXXX credit report theirs is one negative account that's fraud it supposed to be removed from XXXX credit report I have a federal trade commission identity theft report on file and XXXX Credit report their is one negative item that's fraud it supposed to be removed from my XXXX Credit report theirs is a federal trade commission identity theft report on file
Product: Credit reporting or other personal consumer reports

To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX, WI. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XXXX. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. 
XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$93.00} XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$52.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$180.00} XXXXXXXX XXXX XXXX XXXX {$250.00} XXXXXXXX XXXX XXXX XXXX  {$760.00} XXXX XXXX XXXX XXXX {$340.00}