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

Equifax has recently announced that they have been affected by a cyber security breach that has allowed the personal information of millions of Americans fall into the wrong hands. According to a tool offered by Equifax to check who has been affected, it is likely that my own information was also included in the breach, meaning someone almost certainly has my personal information due to irresponsible safeguarding of said info by Equifax. This breach occurred only one month after my credit history began. My new credit history has no negative marks on it, and has a credit score of around XXXX, which makes my very concerned that my personal info will be considered " valuable '' by potential identity thieves ; I feel as though my information is more susceptible to being used fraudulently. I am also concerned that whoever may have access to my information might not use it for a long period of time in order to avoid the 90 day fraud alert, as well as to wait until I, and many others, have let our guard down and may not be monitoring our credit reports as closely as we will be immediately after the breach. 

Equifax is entrusted with our most sensitive personal information, and allowing a situation to occur where the information of millions is given out to unknown, unauthorized persons is disappointing, and very frightening.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees.

This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit card or prepaid card

I was gifted a {$100.00} virtual Vanilla gift card from my boss via company email for XXXX XXXX on XX/XX/XXXX. I never used the card, primarily because I didnt know how to redeem it. I recently went back to this email and clicked the link included and found that there were 2 transactions against this card totaling {$88.00} that I did not originate or authorize. I called Vanilla customer service and was told that they would be willing to re-issue a new card for the remaining {$12.00} balance and that they would investigate the charges but would likely not be able to recover the stolen funds. 

I understand that gift cards are like cash and therefore, limited recovery is available if lost or stolen. However, my complaint is this was issued as a virtual card so in theory, no one other than the buyer ( my boss ) and the recipient ( me ) should have had access to the specific information on the card. Therefore, assuming this company took even precursory precautions to insist that all information from the card be included for a successful transaction, the fraud would have been detected when the perpetrator wouldnt have known the CVV or who the card was issued to. The other problem with the position the company takes is the loss was not the result of any act or omission on my part nor on the part of the original buyer of the card. We know that since neither of us has so much as looked at the card or the account since XX/XX/XXXX. So therefore, the account number and security information must have been stolen from off of Vanilla systems or due to lax policies and procedures at Vanilla regarding customer data and fraud detection. And yet, their position is that they are not responsible in any way for the loss they caused. Astounding. 

Obviously, I dont expect this to result in any further communication or recovery but I do think it is worth my time to open a complaint in the event that enough of these kinds of complaints might eventually lead to better regulation and controls being put in place around this industry and their products. I will also be forwarding the complaint to the CFPB for their investigation as well. And finally, as someone who has never purchased a Vanilla gift card and has had only one experience with the company and its products, based on what I have seen here, I would never purchase one of their products unless or until the proper regulatory framework is put in place to ensure that even basic protection of customer data and fraud detection is mandated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. XXXX account needs to be removed due to discrepancy, because the date of the last payment doesn't match with what Equifax has listed. XXXX and XXXX all have different dates. Section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the fair credit reporting act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please delete the disputed items within 4 business days as required by the FCRA. Please delete these inquires cause they weren't authorized : XXXX XXXX XX/XX/XXXX, XXXX XXXX. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, ), Equifax XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Debt collection

I was sued by XXXX XXXX and had a scheduled date on Monday, XX/XX/year> at XXXX. The hearing was schedule via XXXX. Not only was the attorney approximately XXXX minutes upon logging onto to the court hearing, but Upon request for required documentation written on my answer denying the claim prior to court and during the court hearing such as a signed written agreement, disputing the amount owed and a service that I dont remember having. The attorney XXXX XXXX representing XXXX XXXX and judge stated that once Im being sued they dont have to provide a written agreement. I did not deny the facts of opening an account with CreditCare ( Synchrony Bank ) ; however, I did not agree with the amount owed and was never notified of the debt owed by XXXX XXXX. The 1st letter received was a lawsuit from XXXX XXXX. I am going to appeal the decision made with the XXXX XXXX XXXX in XXXX GA because XXXX XXXX had unsubstantiated debt, attempting to collect on a debt without offering to provide necessary documentation to me within XXXX  days and initiated the debt collection lawsuit without possessing required documentation needed.
Product: Debt collection

XXXX  XXXX XXXX has threatened to sue me for a HELOC loan. I have been making payments on the HELOC every month. The Attorney that the XXXX used submitted incorrect financial amounts to XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I mailed a letter for request to delete and update any personal information to XXXX, XXXX & Experian on XX/XX/2024. I also sent a dispute letter to validate alleged collections, negatively reporting accounts, and unauthorized inquires, along with consumer laws they violated, on XX/XX/2024. I did not receive a response or results of the investigation. Its been well over 30 days, and this is a clear violation of 15 USC 1681i. I've delt with these same reporting issues in the past and have not yet recovered financially. Below I've included the codes that have been violated and a list of accounts that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Inquiry : XXXX, has violated my rights. 

EXPERIAN : Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Inquiry : XXXX XXXX XXXX has violated my rights. 

XXXX : Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Inquiry : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I paid off final payment in 2004 and only 3 years ago started getting harassing phone calls and letters of garnishment from this company Overton, Russell, Doerr and Donovan, LLP. 
I only save my important paperwork for 8 years as does most people. 
They sent stuff to the XXXX District court and also on the paperwork are garnishee 's that have no idea what is going on and also I never had any loans with, not even associated with original school loans.
Product: Mortgage

I called Rocket Mortgage on Monday, XX/XX/XXXX at XXXX Central. I spoke XXXX 's regarding an escrow refund that I saw on my account although no escrow analysis document was available. More thought it was odd that she could see an escrow refund and see was also unable to view the escrow analysis report. After I contacted Rocket Mortgage and spoke with XXXX 's, the analysis report showed up in my account on Tuesday, XX/XX/XXXX. XXXX informed me that although I had over paid in my escrow and was receiving a check for {$1600.00}, they were increasing the amount of my payment. I told her that can't be right because my county taxes were {$3200.00} less than what Rocket Mortgage originally estimated for. Rocket estimated that my property tax would be {$14000.00} but it was actually {$11000.00}. With this difference my refund back should have been more and my monthly payment should not go up. My homeowners insurance did increase by {$540.00} for the year. However I still have cushion greater than the amount required so my monthly payment should not increase it should go down. 

Rocket Mortgage says I have an overage in my account and is refunding me {$1600.00}. If I have an overage and paid more than I should, the monthly payment should not go up. 

On page one of the Annual Escrow Account Breakdown, the actual amount paid for property tax is incorrect. The amount paid was {$11000.00} and not what us reflected on Rocket Mortgage report showing {$14000.00}. I have never had a property tax bill that high and that is not what was paid. 

I am asking Rocket Mortgage to correct the analysis and my payment should be lower not higher beginning in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Equifax INC many times concerning this matter.I have spoke with the Equifax fraud department many times concerning unauthorized inquires from XXXX XXXX  XXXX that was placed on my Credit Report.I have asked Equifax to remove the unauthorized inquires from my report, but they refuse to do so, they told me that I need to speak with XXXX XXXX  about the inquires.Well I spoke with XXXX XXXX about the inquire which they are showing that I never had an account with them.They all so send a letter to Equifax and myself showing that the those inquires need to be suppress from my Equifax Credit Report.I have resent the letter that send to me but Equifax still refuse to remove them from my Equifax Credit Report which is outrageous that Equifax is allowed to do this which can harm people lively hood and creditably on their jobs.I will be attaching the letter that was send for verification to all three credit Reporting Agencies.
Product: Mortgage

I XXXX XXXX applied for a loan modification with Bank of America, for years they denied me a modification then this year they said if I make trial payments they will give me a modification. I made XXXX trial payments and then they send me a loan modification agreement. And I cant accept it because they want an outrages amount of money that I do n't have. They did n't forgive me the past dew amount. I know there are government programs that exist for these situations that are supposed to help the consumer like my self. But I do n't see those programs working. Please help me with this.
Product: Mortgage

My mother took out reverse mortgage on her home on XX/XX/XXXX. She passed away last year. I've been residing in the home since she passed away. I contacted PHH Mortgage and notified them. In the contract, it reads that any heir can reside in the home just so long as they keep up the insurance and the taxes. I've been doing so. In XXXX I received a notification from XXXX XXXX, a bankruptcy attorney. I was notified that the house was in foreclosure and it was going to be auctioned off on XX/XX/XXXX at XXXX XXXX. I wasn't told this by PHH Mortgage. The last time I spoke with them I was told that the house wasn't in foreclosure. They tell you one thing and then they turn around and do another. They want full payout for the house and that is something that I don't have. I'm on a fixed income. They knew what their intentions were all along and they chose to be deceptive in my opinion. They are able to take people 's homes by asking for large sums of money and proceeding with foreclosure once they don't get it.
Product: Debt collection

The account was opened in XX/XX/XXXX. The company has continue to call me and also send threathening letters to me in regards to this debt. I explained to them numerous time that this account was paid off by the gap insurance that I purchased. The car was a total lost after Hurrican Sandy and it was paid off by the car insurance and also the remainder was paid by the gap insurance.
Product: Debt collection

XXXX XXXX XXXX bought my debt from loanme where I got the loan originally in XX/XX/2017. XXXX XXXX XXXX has made repeated calls to my work. I have told them at every call to stop calling me. They called my bosses personal cell phone today as well. My bosses have also told them to stop calling our office. They have called friends and family and asked about me, they have all told them to stop bothering them but they still call everyday.
Product: Debt collection

I recently discovered that i am victim of identity theft and a loan was open in my name for American first finance, they are calling and reporting inaccurate information to my credit. This debt is not mine.
Product: Credit reporting or other personal consumer reports

I am filing a complaint on XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX 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, XXXX actions may also contravene the consumer financial protection act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ). As highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations i request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation .The accounts as follow XXXX  Account Number XXXX XXXX Reported Balance {$440.00} XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX XXXX  ( CLOSED )
Product: Student loan

I am On the administrative forbearance due to the SAVE plan being on hold. I was told that the time in the forbearance will be an interest free time, however yesterday ( XX/XX/XXXX ) the balance on my loan increased by {$1000.00}. I have not taken out any additional loans as I am Not longer in school. I have Been in the forbearance since XX/XX/XXXX and have not had an increases in my balance until yesterday. This increase is clearly interest, as I haven't taken out any new loans.
Product: Credit card or prepaid card

I applied for and was approved for the XXXX XXXX XXXX card on XX/XX/XXXX. The terms of my application said that I would receive a bonus of XXXX thank you points if I spent {$4000.00} in the first 3 months which I did. I never received my bonus and when I called XXXX to find out why they told me that the terms say I am not eligible for the bonus if I have opened or closed an account for the same product in the past 24 months. I checked my credit report and the last XXXX XXXX XXXX card that I had in the past was closed in XXXX of XXXX which makes it clear that 24 months had passed and I was eligible for the bonus. XXXX 's response was that since I had been an authorized user of my wife 's card in the past 24 months I was not eligible. I did not own that account, my social security number was never given when my wife made me an authorized user and nowhere in the terms and conditions of my application did it say anything about not being eligible for the bonus if you were an authorized user on somebody else 's card.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

The doctor 's office is attempting to collect for a missed appointment that was cancelled I spoke to both XXXX and XXXX about it and could not make the appt and it should have been cancelled or rescheduled and was not. XXXX XXXX XXXX is the doctor and I spoke to his staff before and after the appt on numerous occasions, before and after the appointment.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have noticed some fraudulent accounts and unauthorized inquires on my credit report. 

Accounts 1. XXXX XXXX {$150.00} 2. XXXX XXXX {$520.00} Inquiries 1. XXXX XXXXXXXX XXXX  2. XXXX XXXX 3. XXXX XXXX XXXX 4 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Product: Checking or savings account

XX/XX/year> Recieved email that an account had been opened with personal information. Email had direct deposit slip with home address. Called Chime and was confirmed that an account was open with my data. Closed account immediately. Chime support sent email confirmation of account closure. Given reference number of transaction from phone support.
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 XXXX hours stating that 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple attempt to tell you that I am a victim of identity theft and I complaint to question specific records in my document coming about because of the wrong doing. 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 not worthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX DOE XXXX Balance : {$0.00} DOE XXXX XXXX Balance : $ XXXXDOE XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXXXXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX