23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax signed an agreement with the XXXX Attorney General 's office to voluntarily remove incorrect or fraudulent information on a person 's credit bureau for anyone living in the u.s.a. My attorney has written Equifax XXXX about having incorrect or invalid information on my credit report. At one point I had Equifax credit file monitoring service where I discovered their use of incorrect or invalid information on my credit report. I also discovered they had branded me as a complete and total credit risk for debts that had been paid or were discharged pursuant to federal law. My attorney asked politely for Equifax to remove all the hard credit inquiries for a total of XXXX from my credit report because I had not applied for credit that many times. however in our investigation of my Equifax credit file and m y credit files at XXXX and XXXX we discovered that a third party may have hired Equifax to make hard inquiries from their company Equifax mortgage into my credit file as my credit files at the other mentioned above credit reporting agencies. 
When I asked Equifax to explain this as well as their refusal to take off negative information which was not true, I was stonewalled by Equifax in writing XXXX. These stonewall letters were in response to my attorney 's letters to Equifax. 
these hard inquiries into my Equifax credit file and other credit files show up even on their own monitoring system as hard inquiries that I am making applications for credit. I am not. 
Also, Equifax is reporting mortgage loans that I never applied for or approved or settled on from a major bank and XXXX trust servicer XXXX. These mortgage loans do not have the account number that appears on any mortgage statement and these loans were created unilaterally by the large bank. All of which I have filed multiple complaints with the banks attorney and other federal agencies. 
If Equifax is going to monitor me on behalf of some third party I want to know who that third party is and why are the monitoring me and if an inquiry is done then it shows up as soft inquiries that do not affect my credit score or FICO score. As a XXXX veteran I have been working very hard to improve my credit score and Equifax has me rated the lowest of any credit bureau score. In other words the other bureaus all have me rated much higher. 
I have as a XXXX veteran been repeatedly defrauded of my VA XXXX pension us federal treasury pension benefits for which then I am penalized again by having false information placed on my credit bureau reports. 
I perceive this Equifax practice of initiating hard inquiries into my credit file b y Equifax mortgage as it is listed in the report and doing this to the other credit bureaus according to LIFE LOCK identify theft service violates my legal rights under federal consumer protections laws and uscfpb regulations and XXXX state consumer protection laws and the u.s. federal fair debt collection practices act. it has the appearance I am applying for credit which I am not and then reporting it as hard credit inquiries to external agencies.
Product: Credit reporting or other personal consumer reports

I've filed numerous reports to the bureau 's about this account not being mine and was a result of identity theft. 

Accounts : XXXX XXXX {$730.00} XXXX XXXX XXXXXXXX {$810.00} XXXX XXXX XXXX XXXX was deleted and put back on my report.
Product: Debt collection

The collection agency is reporting an account on my credit report that I do not believe is mine. I called the collection agency and asked them to validate this account by mail. The company said that they could not validate the account, and that Inwould have to contact the original creditor- XXXX. I contacted XXXX, and they were not able to validate this debt. XXXX told me that they could not remove a collection account off of my report, because they are not reporting an account to my credit report. The agent told me that the company reporting the debt is the only company that can take the debt off of my report. The collection agency already told me they could not validate the debt because they do not have information on the debt, yet they are still reporting the account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account under : Southwest Credit Systems has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 SEction 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Vehicle loan or lease

I had an accident the beginning of XXXX which in the same week my insurance company dropped Bridgecrest the {$28000.00} to be exact it is now week six and Bridgecrest is still holding my money for my overpayments every time I call I get the runaround I was first told 7 to 10 business days that came and gone then it turned into 4 to 6 weeks now here we are the sixth week and theyre still holding my money they got way more than what I paid for the truck none of their employees know what theyre talking about every time I called Ive gotten a different story a different time frame a different process I am a XXXX mother of XXXX children XXXX being a toddler XXXX being an infant neither of which I can get to the grocery store or doctors appointments or nothing for that matter because they refused to release my money so I can move on with my life and get another vehicle from experience find another company!!!! Now here it is almost 2mnths later still no updates still no refunds.
Product: Credit card or prepaid card

I disputed fraud charges on my account for charges amounting to whole balance of the account and Chase denied my claim for some saying they were done on the applepay and same phone as chase app use to access the account, I let them know that my chase account was comprised including the login information. With the other transaction they denied it saying the chip on the card was used and that there were other charges that came in after that I did not report as fraud, this is another issue because I reported the entire transactions totaling to the balance of the account including those their saying I did not dispute as fraud. So the issue here is that Chase does not want to do it's job and really investigate my claim, as they even say in the letter they sent me, they completed this in two days and they never sent me any paperwork to sign and return back for the fraud claim so Chase didn't really do any investigation or any interest in getting the funds back from the merchants. They were also interested in holding me responsible for this and not really work on it, I have enough to file a lawsuit and will if they continue to do this behavior.
Product: Debt collection

We have NO debts, but get frequent calls from RSI Enterprises , Inc. XXXX
Product: Debt collection

National credit systems is reporting inaccurately. This account is labeled as a collection and it is reporting a past due amount. That is illegal. There is a balance listed higher than the actual amount. The amount is {$1500.00} but is showing a past due amount of {$1500.00}. This is also illegal. The date of last reported, last activity, & date it opened is also inconsistently reported across all three bureaus. This is also a violation. This account keeps increasing and decreasing the amount on this collection. No payments have been made towards this account so it should not not be increasing and decreasing the amount. This is illegal. I have disputed this account several times with no results. All three credit bureaus have failed to provide a method of verification letter. They have only verified and updated this account every time with no proof.
Product: Bank account or service

On XXXX XXXX 2016, I was contacted by XXXX XXXX at XXXXXXXXXXXX regarding a XXXX in which I found off XXXX. Once I accepted the position i was told I would be helping by sending items to an orphanage. On XXXX XXXX 2016 I was once again contacted by XXXX XXXX with information on my first task which was to receive a check for funding to buy items for an orphanage, once I received the check in the amount of XXXX i was told to deposit it in my account in which I did so. On XXXX XXXX the funds where posted. Once I notified XXXX he changed my instructions on how to handle the funds, in which they, where to get cash from the bank and make a cash deposit into someone else account. I was very overwhelmed and told him I no longer wanted the job because he lied about the position I applied for, On XXXX XXXX 2016 XXXX then requested i deduct XXXX out of the money and send the remaining XXXX back to XXXX XXXX to opt out of the job. Being requested to do so i followed the plan as told and got a Cashier 's Check in the Amount of XXXX from my bank. Only days later to find out the Original Check he sent me was FAKE! Leaving my account in the negative XXXX. On XXXX XXXX XXXX sent me a text stating to contact him at XXXXXXXXXXXX because he had been hacked, only to realize it was apart of the scam process. I went to my local bank On XXXX XXXX 2016 and complied with the rules of making a stop payment on the Cashiers Check in which i was instructed to Sign an Affidavit and Indemnity Agreement my account was then taking out of the negative. Approximately one month later, On XXXX XXXX i received a notification that XXXX XXXX had been allowed to cash the Cashiers Check in which the funds warent intilted to her. I went back to the Local Bank and was told i would have to file a civil suit aganist her. Reminding you that i have no personal information or whereabouts of this woman but the address that was given to me by XXXX for returning the funds, and the initial account information I was told to transfer the funds to originally. I have been very stressed behind this situation and i feel as if the bank was no help at all after realizing they didnt actually put stop payment on the check knowing it was fraudulent from the beginning. Now I am drowning in debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Numbers XXXX. XXXX XXXX ( Account Number : XXXX ) Date : XX/XX/2020 2. US DEPT OF EDXXXX ( Account Number : XXXX ) Date : XXXX XXXX XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Date : XXXX XXXX XXXX. XXXX XXXX  ( Account Number : XXXX ) Date : XXXX XXXX XXXX XXXX ( Account XXXX ) Date : XXXX XXXX XXXX XXXX XXXX ( Account XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account XXXX ) Date : XXXX XXXX XXXX XXXX XXXX ( Account Number : ( XXXX ) Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Date : XXXX ) XXXX. XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX. XXXX XXXX ( Date : XXXX XXXX ) XXXX XXXX  ( Date : XXXX XXXX ) XXXX XXXX  ( Date : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Date : XXXX XXXX XXXX XXXX XXXX XXXX ( Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date : XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have used Experian as my credit monitoring service for several years and in XX/XX/2022 I notice that Experian, XXXX, and XXXX had stop reporting my credit score through the Experian Credit application even when I was paying the premium charge to Experian every month. So, since they couldn't seem to fix the problem I down grade to the free Experian app where I was not paying {$24.00} a month anymore. I decided to try and get all three of my scores again because I am getting ready to purchase another home. I opened the Experian app on XXXX and paid the {$24.00} out of my bank account and still I can't get my credit scores from XXXX or XXXX. I reached out to XXXX and XXXX and they tried to get me to open a monitoring service with them but I don't want to pay separate services. Then today I get a letter from Experian Escalation service stating that they believe that my information does not add up to what XXXX or XXXX may have. I have on several occasion reported that XXXX put the correct address and XXXX as well. I don't need to pay for a credit monitoring system and the credit reporting agencies are playing with my livelihood.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer. I am now opting out any and all authorization. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 U.S.C. 6802 I have recently received a copy of my consumer reports and noticed that your company has disclosed nonpublic personal information to multiple nonaffiliated third parties such as the CRA 's. You have furnished my personal account information Account name CITIZENS ONE Account number XXXX to the consumer reporting agencies without considering disclosing to me first whether I wanted to have my account information shared or not. According to the Gramm Leach Bailey Act, Financial institutions are permitted to disclose to a consumer in writing or electronic form, that such information ( MY PRIVACY ) may be disclosed to such third parties ( CRA 'S ). After carefully reviewing our contract agreement I notice I have not received or signed any disclosure stating that I give your company permission to furnish my nonpublic personal information. See 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit card or prepaid card

I've been making more the minimum payment every month for the past 6 months and noticed the interest rate has been staying the same. Even though my balance is reducing Barclay Bank US is charging me the same interest every month. They told me it's because of inflation which is a poor excuse to price gouge customers.
Product: Checking or savings account

In XXXX I opened an account with HSBC. After they told me that everything was OK, I transfer all my savings. 

After 2 months they closed my account without telling me anything. 

I called them to have an answer. They told me that they closed the account because I did not reply an email of XXXX asking for personal information. 

THE THING IS I DID reply that email. Even I sent to the bank all the emails and it replied telling me that they received the information. 

THEY CLOSED MY ACCOUNT BECAUSE I DID NOT REPLY AN EMAIL ASKING FOR INFORMATION. BUT THAT IT IS NOT TRUE. I REPLIED THE EMAIL AND SOMEONE DID NOT ENTER THE INFORMATION INTO DE SYSTEM. 

SOMEONE MADE A MISTAKE. EVEN THEY TOLD ME THAT BY PHONE. 

I had XXXX USD. They closed my account and sent me the money by check to XXXX. Local regulations do not accept checks. 

The Bank lies. It says I never replied but I did reply and they replied me back that everything was ok.
Product: Credit reporting or other personal consumer reports

Recently saw a credit inquiry on my credit report that I did not initiate. I received a " XXXX XXXX '' in the mail about a week ago that I did not apply for. I've spent hours trying to contact an agent at this company. They have a special prompt that puts you on a forever hold status, saying that an agent will be with me shortly. I get hung up on after I reach the hour threshold. The companies information follows : CONTINENTAL FINANCEXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX I have noticed money missing from my XXXX XXXX XXXX accounts for the last year but was unable to pinpoint where the funds were going exactly. I received an email stating that there was an account in my name with a company called Xoom, I have not opened an account with XOOM. Apparently, the funds are to be going to Alaska? and then I received a check for {$5.00} from XXXX XXXX for service fees that were assisted before using the account. Once again I have NOT opened an account with XXXX XXXX. Someone is differently using my name and information to open accounts and steal from me. Or XXXX knows what else!! I also have ordered over XXXX $ in products from XXXX and have not received anything in the mail, so now I have to contact them to clear that up. Unfortunately, I have tried once and was unable to get into my own account. Please help me my address is XXXX XXXX XXXX XXXX, ca. XXXX home phone XXXX thank you sincerely XXXX XXXX XXXX
Product: Debt collection

I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( IXXXX XXXX ), XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX Next Card ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXXXXXX XXXX Account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts, XXXX and XXXX accounts that made payments on these alleged accounts was opened and funded fraudulently.
Product: Money transfer, virtual currency, or money service

Sent money to a starving person and their family in XXXX. Person could not withdraw the money. Skrill replied saying I got scammed and transactions for goods and services are irreversible. Transaction was not for a good or service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I mailed XXXX XXXX XXXX a Validation Request Letter and on XX/XX/18 I received their response which I is a violation of the HIPAA guidelines. 
XXXX XXXX XXXX and XXXX XXXX XXXX have violated the HIPAA guidelines under HIPAA 164.502 by providing specific medical information to XXXX ( a collection agency ) where a collection agency does not qualify as a Business associate per HIPAA 160.103.3. 
HIPAA 160.103.3 states : ( 3 ) Business associate includes : ( i ) A Health Information Organization, E-prescribing Gateway, or other person that provides data transmission services with respect to protected health information to a covered entity and that requires access on a routine basis to such protected health information. 
( ii ) A person that offers a personal health record to one or more individuals on behalf of a covered entity.

( iii ) A subcontractor that creates, receives, maintains, or transmits protected health information on behalf of the business associate.

Regarding section ( i ), XXXX does not provide data transmission services. Regarding section ( ii ), XXXX is not a person but a company. Regarding section ( iii ), XXXX is a collection agency that might be considered as a subcontractor but I was given no authorization to XXXX to provide XXXX to receive my specific medical information. XXXX provided XXXX with specific medical procedural information of my XXXX XXXX XXXX XXXX XXXX reducible which is a flagrant violation of HIPAA guidelines. Ive attached documentation that proves that XXXX provided XXXX with information that violates HIPAA guidelines.