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

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

As a recent adult and current college student with very little experience in the world of credit, this could potentially ruin my credit for the foreseeable future, and make applying for student loans, mortgages, jobs, or housing a nigh impossible task, as my credit does not actually represent my personal finance. 


Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and the tracking these transaction was unfeasible.
Product: Credit card or prepaid card

I'm seeing a medical bill sent to me XXXX XXXX, XXXX, for a XXXX I had done in the summer of XXXX. This bill was wrongfully billed to me and should have been billed to the organization of the XXXX XXXX XXXX that I was playing for at the time. I also noticed my bank isn't on auto-bill which I'm almost happy about because this isn't supposed to be billed to me. I would like to first, get this removed from my credit report because now I can not get a mortgage on a home. I have a history of close to zero debt and I would like to be helped with this unfair situation that is marking down my credit.
Product: Prepaid card

I paid a merchant for an item I never received. The online merchant was XXXX / XXXX aka XXXX. I had to dispute this transaction with the company that handles the XXXX gift card, Blackhawk Networks. I have faxed them twice and called them 3-4 times and they have not yet assisted me. It has been 90 days since their letter and they have not yet resolved my dispute and can not even tell me if they received the documentation that I sent to them. All of this info will be included in the attachment that I am uploading.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries on my report due to fraud. The only inquiry that belongs on my report is XXXX from XX/XX/XXXX and XXXX XXXX XXXX. That is it. I need those removed. I have disputed them via Transunion and they refuse to remove them.. I have attached my police report and my dl. The same for XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. Jp Morgan chase is valid. I need these removed asap.
Product: Credit card or prepaid card

Emailed Chime support email address about closing the account and reported to them it was fraudulently made. They responded by asking for PII. I do not want to give them more info that could be used to fraudulently. I do not trust them at all.
Product: Checking or savings account

Ive been a member of Navy Federal Credit Union for many years. I was denied access to my accounts starting in XXXX when I was behind on payments for my credit cards and or checking line of credit. I was not able to get any account information when logging in online. Currently, when any money is deposited or transferred from another member, Navy Federal takes funds for payments with being 6 days delinquent. They will take the entire amount of money available to make the payment and leave nothing available.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I applied for a checking account with XXXX XXXX XXXX XXXX and my application was unlawfully denied My suspicions of Securities fraud were confirmed when I received subsequent email on XX/XX/year> confirming their adverse action against my application which detailed their violations of the Consumer Credit Protection Act, Federal Fair Credit Reporting Act, Fair Access to Credit Act and the truth in lending act by discriminating against me based on third party agency named ChexSystem. I did not authorize ChexSystem to furnish any information to XXXX XXXX. 

In good faith I exercised my rights under consumer credit protection act. I spoke with XXXX XXXX on XX/XX/year> about the adverse action letter and questioned the discrimination and they responded by stating they use ChexSystems and are allowed to do so. 

They refused to open my checking account. I told them I didnt agree and did not consent to this denial and that I have been harmed by their actions of using a third party agency who lacks first hand knowledge and that I did not consent to. 
I requested that he open my checking account and he said based on Chex system he will not.

Chex System erroneous and unlawful reporting has caused adverse actions and XXXX XXXX actions to use a third party information without my consent is unlawful. 

The representative never cited any law that supports this unlawful denial of my god-given natural right to open a checking account. I am the creditor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- -- -- -- -- -- -- -- -- -- -The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX self financial lead bank, XXXX XXXX, has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ln generallf, 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 f1 le of the consumer. and according to 15 USC 1681 s-2 they are suppose to 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: Credit reporting or other personal consumer reports

I have disputed several accounts with Experian, XXXX, and XXXX on my credit report. They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. My data was involved in a data breach which caused identity theft. I reported this to them along with documentation and it still shows on my report. They never investigated anything just denied my disputes multiple times.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under fraud for identity theft. Address proof sent. 
Please delete these items. Delete the following : * Account : XXXX XXXX * Source of dispute information : accounts * account : XXXX * Amount {$5000.00} * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXX XXXX XXXX XXXX XXXX  * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXX XXXX ) * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXX XXXX XXXX XXXX XXXX * Source of dispute information : Public record * number : XXXX * Dates associated with item being disputed : XX/XX/XXXX * Bankruptcy XXXX XXXXXXXXdismissed, wrongfully filed under my social XXXX report and ID and address verification attached*** ADDRESS ATTACHED AND FTC AND ID AND SOCIAL
Product: Money transfer, virtual currency, or money service

HI, PAYPAL. 

WOULD YOU PLEASE ENABLE THE OPTION FOR WITHDRAW MY FUNDS BECOUSE I WAS WAITING FOR ALONG TIME. 

OR IF I CAN GET MY ACCOUNT BACK I WILL APRECIATE YOUR HELP. 

MY FIRST COMPLAINT WAS XXXX you said my money are going be avaliable XX/XX/XXXX MY ACCOUNT IS XXXX please help me, thanks
Product: Student loan

American Education Services/PHEAA has been purposely delaying responding to complaints that have recently been submitted. For the several complaints that have been submitted, AES/PHEAA waited the minimum 15 days and then marked all the complaints as Needing additional time which would increase the deadline to 60 days from the 15 day mark allowing the company to respond within 45 additional days. In most cases, they respond by closing the complaint AFTER they wait the 15 minimum days, but in expert opinions, AES/PHEAA 's response did not warrant over 15 days to respond, as it was claimed to be a " duplicate '', which is also false for all the complaints. I am going to be proposing to Congress that AES/PHEAA be charged fees for delaying responses going forward, because I believe they are taking advantage of the 15 day rule. The individual or individuals who close these responses without providing an accurate resolution are not diligently performing their job and the expectations they have as part of their performance should be highly scrutinized. AES/PHEAA has even made remarks in previous complaints that allude to me submitting " too many complaints '', but AES/PHEAA can be assured that with their agency, there are never too many complaints, and other parties have copies of my CFPB correspondence. There are a plethora of borrowers who share these concerns about the Agency. AES/PHEAA should stop pretending not to acknowledge that their agency is a corrupt organization who even the Federal Government no longer trusts.
Product: Vehicle loan or lease

I am writing to formally dispute the circumstances surrounding the surrender of my 2012 XXXX XXXX XXXX, which I dropped off at your dealership located in XXXX XXXX for transmission repairs. The vehicle was covered under warranty, which I believe was not honored, leading to my decision to surrender the vehicle. 

1. **Warranty Coverage** : The transmission issue I experienced was covered under the warranty provided at the time of purchase. I brought the vehicle to your dealership for repairs, expecting the warranty to be honored. However, I was informed that the warranty would not be applied to the repairs needed for my vehicle. I request a written explanation of why the warranty was not honored. 

2. **Surrender of Vehicle** : The dealership refused to honor the warranty, and I could not afford the necessary repairs. I felt compelled to surrender the vehicle. I believe this action was taken under duress, as I had no viable options for addressing the transmission issue. 

3. **Repossession and Auction** : After surrendering the vehicle, I have received numerous phone calls from your company regarding the repossession and subsequent auction of my vehicle. I kindly request that these calls cease immediately. Such continued communication is distressing, and I believe it violates consumer protection laws regarding harassment and fair debt collection practices. 

**Consumer Law Considerations : **Under the 501.976Actionable, unfair, or deceptive acts or practices.It is an unfair or deceptive act or practice, actionable under the Florida Deceptive and Unfair Trade Practices Act, for a dealer to : ( 1 ) Represent directly or indirectly that a motor vehicle is a factory executive vehicle or executive vehicle unless such vehicle was purchased directly from the manufacturer or a subsidiary of the manufacturer and the vehicle was used exclusively by the manufacturer, its subsidiary, or a dealer for the commercial or personal use of the manufacturers, subsidiarys, or dealers employees., consumers have the right to fair treatment regarding vehicle warranties and debt collection practices. I believe that my rights have been violated in this instance due to the following : **Failure to Honor Warranty** : By not honoring the warranty, the dealership has not fulfilled its obligations to provide the necessary repairs as promised. **Harassment through Continued Communication** : The persistent phone calls after the surrender of the vehicle may be viewed as harassment under the Fair Debt Collection Practices Act, which prohibits XXXX  from using abusive, unfair, or deceptive practices. **
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file be investigated with TransUnion, starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent XXXX follow up letters on XX/XX/XXXX and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 is my XXXX request but no one seems to care. I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 ( a ) congress states " ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S.C 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. C. 1681 ( b ) states " It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

You, TRANS UNION, have forsaken your grave responsibility. You have been unfair and partial. Not only did you not have permissible purpose but I did not consent to my NONPUBLIC PERSONAL INFORMATION being collected, housed and furnished by you. There is information on my consumer report that is a result of identity theft. I, did not provide explicit written instructions for the identified transactions ( NONPUBLIC PERSONAL INFORMATION ) to be reported on my consumer report.

Pursuant to 15 U.S.C. 1681 ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; should be excluded from a credit report.

I demand you remove the identified items off my report immediately.

Thank you.
Product: Debt collection

The date of the infraction was XXXX XXXX, I have file many disputes asking for validation of this account # XXXX from XXXX XXXXXXXX XXXX XXXXXXXX. Pursuant to XXXX XXXX XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then TransUnion, XXXX, and XXXX must remove these inquiries from your credit report. Consumers have a right under the FCRA to challenge information in their file that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. I am asking for proof of a contract with my signature that shows I have a legal binding contract with XXXX XXXXXXXX XXXX XXXXXXXX. I have also file a dispute with FTC in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Vehicle loan or lease

XXXX XXXX reported me late when I had been in contact with them to resolve the issues. I had been paying and making agreements with XXXX XXXX to not report me late but accept the partial payment until I could rectify the problem.