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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

On XX/XX/XXXX, I discovered Creditor, XXXX XXXX XXXX XXXX, and Equifax have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor and Equifax re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files. Under the Fair Reporting Credit Act, the Creditor and Credit Agency are required to notify me within 5 days of re-inserting the previously deleted items. Also, the creditor is reporting inaccurate information. 

Agency Creditor Account Equifax XXXX XXXX Item Status XX/XX/XXXX ( Item was removed and latest credit file showing item re-inserted and with inaccurate information ) ( View Attachment ) As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately.
Product: Other financial service

I was trying to purchase a home, however my credit score was low and after receiving advertising from Lexington law firm about credit repair, I went ahead in the hopes that they can assist me in getting negative information off my credit report. After realizing that this company is not who they claimed to be, I requested that my account to be closed. I have made several requests stemming back from XXXX of XXXX until as recent as XXXX/XXXX/XXXX asking that this account be closed, however Lexington law firm continues to ignore my request and continue s to withdraw funds from my account with out my authorization. After realizing that Lexington law firm has not honored my wishes I am left with no other options but to seek assistance from your agency in obtaining a refund and getting these folks to close this account. I truly value your assistance in this matter. 

Cordially XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$7600.00} XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX  XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got access to my personal information and its ruining my credit by applying multiple accounts I don't have knowledge of what or who this could be. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Payday loan, title loan, or personal loan

I am in a lease instalment loan with acima credit cost of lease total of the buy out option is {$980.00}. On Saturday XX/XX/XXXX my guitar broke under normal wear and tear due to a faulty guitar that has a bad part on it. Speaking to a proffesional guitar repair company the damage is going to be a few to several hundred dollars due to having to order speacial parts to have to fix it. Section seven states i am liable for loss damage and theft only if i am negligent and they bear the burden of proof that establishing that. I called and spoked to XXXX on XXXX XXXX at XXXX XXXX. She stated that acima does not have to cover it but the warranty from the factory might. Secction 8 at the bottom does advise there could be warrantys or insurances that acima does not offer also in section 8 first sentence states they are required to maintain the property in good working conditions at no further payment cost or fees to me. i have to know pay the cost which cost just as much as the guitar and im know having to wait to pay until acima loan is up or they discharge they buy out payment and make this my problem then to pay for the guitar as stated in the contract. Under the agreement they also own the property hence why they must maintain it.
Product: Money transfer, virtual currency, or money service

Cash app account was hacked and money was taken from me. Cash app refused to help and get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX Original creditor : XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Payday loan, title loan, or personal loan

When I started doing business with this company, part of my payments went towards principal. Since COVID hit, they have started applying payments to interest only. And I'm fairly certain that they raised the interest rate so that the pay off amount only gets bigger. I have contacted them directly with no response and I reported them once through the XXXX. They made a credit to my account t once and I thought they may have actually corrected the problem, but it has resumed.
Product: Checking or savings account

Through the 10+ years I had my checking and savings account with wellsfargo, I recall being charged multiple fees that likely totaled over {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not log into my Equifax " myEquifax.com '' account due to a technical problem with my online account. That is what I have been told by Equifax. As a result I am unable to access my credit information or freeze/unfreeze my credit when I need to. Equifax WILL NOT fix the problem. I have been trying to get them to do so for over a year. In XXXX I filed a complaint with your Bureau ( XXXX ). Equifax responded with a useless reply that had nothing to do with the issue. I replied to the response on your website clearly stating that Equifax 's response was inadequate. You then closed the complaint. So apparently no one at your Bureau read Equifax 's or my response. So I started all over again with Equifax. Once again, after hours of trying I got an Equifax agent on the phone who told me there is a technical problem with my log-in. She said that she would have tech service contact me within 4 business days. That was 2 weeks ago and of course they never contacted me. Equifax just will not help me. And your Bureau hasn't helped me either. I don't know where else to turn. I don't know what to do. WILL YOU PLEASE HELP ME?
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding TransUnion giving away my info
Product: Debt collection

I had a treatment done which was supposed to be pay as I go. The owner decided to charge me for 3 treatments. Shes was more worried about getting paid and not me as a client. I told her we had agreed on pay as I go. She had me sign a waiver under having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX She got the payment for 1 and I didnt go back and she refused to refund me after she said she would. After the first one I got XXXX XXXX and mesaged her I will not be getting anymore XXXX. She proceeded to charge me for services I didnt receive
Product: Debt collection

I am a victim of identity theft I do not know and never have known about this account please remove immediately
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, & XXXX are reporting incorrect information listed on the account XXXX there are late payments listed that should not be there. The late payments are XX/XX/2024 and XXXX is report late payments for XX/XX/2024 that the other 2 consumer agencies are not. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

In reviewing my credit report it has occurred to me that the debt collector called XXXX. INTERNATIONAL INC, is still trying to collect on the debt however the debt reached its statutes of limitations of the 6 year mark as of XXXX of 2014, and the debt was incurred in Arizona and according to A.R.S 12-548 " Contract in writing for debt ; six years limitations ; choice of law '' For future reference I had a legal last name change my last name use to be XXXX it is now XXXX
Product: Credit card or prepaid card

In reference to previous CFPB complaint ID # : XXXX submitted XX/XX/XXXX : American Express has violated my rights and failed to address these violations or lawfully remedy the issue to my satisfaction. On XX/XX/XXXX, American Express states in their response ( enclosed ) to this complaint that they lowered my credit card limit based on valid reasons and in accordance with our policies and procedures. This statement confirms more violations of federal law by American Express. Corporate policies and procedures do not supersede Federal Law. 

The decision to lower my credit limit was based upon the following information in the enclosure document dated XX/XX/XXXX ( enclosed ) : The balances on your credit and/or charge Card accounts within and outside American Express , as indicated in your credit report, are high relative to your income known to us. This action is a direct violation of 12 CFR 1002.4 ( a ), 12 CFR 1002.7 ( a ), and 12 CFR 1026.12 ( b ). American Express has admitted to discriminating against me on a prohibited basis, utilizing information from illicitly obtained consumer report. American Express did not have actual, implied, or apparent authority to transact in this manner ( unauthorized ) and I received no benefit. 

This is also an egregious violation of the Graham-Leach Bliley Act, 15 USC 6802 ( 1 ). As a nonaffiliated third party, American Express obtained a consumer report from a consumer reporting agency without express written consent, permission, or knowledge. My nonpublic personal information was disclosed by a consumer reporting agency to a nonaffiliated third party ( American Express ) without clear and conspicuous disclosure. I was not given the opportunity to direct that my information not be disclosed in this. I was not given an explanation of how to exercise my nondisclosure option. 

In addition to discrimination on a prohibited basis, unauthorized use, and unlawful access to my consumer report, I still remain harmed financially and emotionally by American Express ' previous violations of federal law noted in CFPB complaint ID # XXXX which include violations of 15 USC 1602 ( f ), 15 USC 1602 ( p ), 15 USC 1691 ( a ) ( 3 ).

My rights have been violated and I have suffered financial damages. I was unable to provide for my family, make necessary household repairs/improvements, or invest in my business during COVID-19 pandemic when I needed financial assistance.
Product: Debt collection

Requested that HRRG provide binding contract with two signatures for this alleged debt, but HRRG fail to provide. Illegal amount calls per violation of Fair Debt Collection Practice Act. Request to cease and desist.
Product: Credit card

I hit a rough patch at the end of XXXX  and was unable to make my payments. I've received email after email about my account being overdue. On Friday, XX/XX/XXXX I made a payment in full for over {$1400.00}, when I made this payment there was nothing on my account indicating that my account was closed. I never received any communication that the account was closed and there has been nothing reported to my credit reflecting that the account was closed. In fact, an email I received on Friday XX/XX/XXXX, stated my account was overdue, not closed, not cancelled - overdue. This company is extremely misleading in that none of the notices I received indicated my account was closed.
Product: Credit card

In XXXX or XXXX of 2015 Macy 's changed their credit card from a XXXX to an XXXX card. At the time, we had the XXXX card set up on our Bill Pay system. As our use of this card is occasional and only used at Macy 's, we depended on the Bill Pay process and paid when notified a bill was due. When the account changed to XXXX, apparently the bill pay information did not transfer. This would have been OK, assuming that they notified us via email or with a paper statement that an amount was due. Last night, our card was declined at Macy 's and we were informed that we were overdue and owed {$480.00} dollars, including late fees and finance charges of {$120.00}! When we called, we were offered a relief of {$38.00} dollars, which we declined and disputed the fee. When asked how the billing statement was delivered, the agent said via email. When asked what email was used, the agent could not cite the email. Effectively, we were not billed or notified that we were behind payments in any way. If we had not attempted to use the card, the charges would have continued to accrue. We immediately paid the amount due, but their is no way to dispute the late fees and finance charges. It appears to us that the transfer of data and other information during the transition from XXXX to XXXX was improperly handled.
Product: Mortgage

Basically the bank is having people come by lying and seemingly threatening to kick us out, after lying to us about helping and denying payment even. My house is being foreclosed on and has been sold, after payment was denied ( in the billable amount ) long before any judgment was filed or before defaulting. Now since the house has been sold, I 've had one XXXX gentleman come out before XXXX knocking on my door and lying to me. I know he 's from the bank, I 've talked to him before, but he lied to me as if he was looking for another house address number, then went up the road in the opposite direction. Yesterday I had a few XXXX gentlemen show up to my neighbor 's house telling her about our contract with the bank, telling her how we do n't pay them and that they were there to throw us out onto the streets, when an eviction has n't even been filed. The bank is basically making threats through our neighbors, and disclosing personal loan information with people who are not authorized to be on the loan. Before all this happened, the payment was caught up but the check was sent back, even though the amount of the check matched the amount on the bill and was sent in before the due date ... the check was even returned and denied to be accepted before the due date even, even though the check was to the total amount on the bill asked for by Ocwen. Ocwen proceeded to tell us to fill out numerous papers to try to get help through them to save the house, but for years paperwork was sent in only to be returned with the acknowledgement that Ocwen did n't help people save their homes. In fact the paperwork sent from Ocwen over and over was even denied by Ocwen that they had sent it to our mailing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried in many occasions and in different forms to contact the credit bureaus XXXX, Equifax and XXXX to request an investigation of inaccuracies and incomplete information on accounts that are untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility.. according to the FCRA they are required to promptly DELETE all the information that is inaccurate, incomplete or which can not be verified accordingly. Im now enacting my consumer and civil rights to compel you to annul with permanent deletion of the derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility. the accounts in question are as follow : Bank XXXX XXXX Account XXXX Bank XXXX XXXX Account XXXX XXXX Bank Account XXXX XXXX Bank Account XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023. I attempted to use my credit for household purposes and was declined. When I audited my credit report after the embarrassing moment, I found the following transactions that where not made or initiated by me. I never gave written consent to the following companies Experian, XXXX, and XXXX to furnish this information on my consumer report. 

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 I've included a copy of a Identity Theft Report, screenshots of the accounts reporting on my consumer report, drivers license for identification and mortgage statement for proof of address.
Product: Debt collection

Rash AND Associates called my phone for a debt collection for my daughter XXXX. But they called my number XXXX. Please I have asked them to stop calling this number, but they continually call. Would it be possible to have them stop calling this number.
Product: Mortgage

There is an account reporting with RealTime resolution that I have been requesting payment history and proof this account is even mine. I sent them a certified letter that they received some time ago and the only thing they sent me was a letter stating they are researching the account and that was back on XX/XX/2016 no other information received.
Product: Debt collection

DRS has been reporting this collection information to all three of the credit bureaus as unpaid. I never entered into a contract with DRS. After numerous attempts- they have failed to provide me with proof of required information about the debt.
Product: Mortgage

Wells Fargo provided mortgage to me and has not sent the settlement amount to me nor has made any attempt to contact me. I had a mortgage during that stated period of time that applies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX Balance : {$5000.00} 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 or other personal consumer reports

This complaint is to formally advise you that I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second letter and I have had no correspondence back from your company in over XXXX days. 
Specifically you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation - Provide proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Provide me of the amount of which the debt was purchased. Per the CFPB, I have this right as a consumer. 

-Provide contract bearing my personal signature -License proof to collect debts in my state Not only have you ignored my prior requests for validation of debt, but you also continue to report this debt to the credit bureaus causing damage to my character. The amount that is being reported to the credit bureaus is not the same balance that I have with the original creditor. 


As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. 

I expect the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed from my credit report within XXXX days of this complaint.