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

I HAVE BEEN AFFECTED BY THE EQUIFAX 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 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

My personal information was pulled without my consent. My XXXX page was hacked on XX/XX/2023 and my information has been compromised.
Product: Student loan

Please see attached letter and statements for greater detail. In Summary : FedLoan Servicing failed to give me PSLF credit for qualifying payments made XXXX through XX/XX/2019, claiming I underpaid the XX/XX/2019 payment. 

However, the XX/XX/2019, statement showed the Current Payment Due as {$0.00}, the Total Due by XX/XX/2019 as {$0.00}, stating You previously made payments in excess of the amount that was due. Therefore, you currently do not have a payment due this month ( meaning XX/XX/2019 ). Your next payment is due on XX/XX/2019 for {$1100.00} { explanation added }. 

On XX/XX/2019, I made a payment in the amount of {$1100.00}, the amount which the XX/XX/2019, statement showed as being due. This payment was made within the fifteen ( 15 ) day window of the due date ( XX/XX/XXXX ) allowed for payments to qualify under the PSLF program. Therefore, this payment qualified as a qualifying payment under PSLF criteria. 

As further evidence that I did not underpay the XX/XX/2019 payment, none of the statements generated after that showed any past due amount. In fact, the XX/XX/2019, statement, which reflects the {$1100.00} payment made on that date, states : You previously made payments in excess of the amount that was due. Therefore, you currently have a reduced payment due this month. However, even though you currently do not have a payment due, we will still automatically extract your regular scheduled monthly payment and any additional amount you have requested. 

So, not only did fully pay the amount due in XX/XX/2019, I continued to OVERPAY this account. 

In addition to failing to give me credit for the XX/XX/2019 payment, FedLoan thereafter failed to give me credit for payments made in XXXX, XXXX, XXXX and XX/XX/2019, claiming that I had underpaid the XXXX payment which was incorrect. 

This is an ongoing problem with this loan servicer they continually attempt to deny credit for qualifying payments under PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Beginning on or about XX/XX/2020, my mortgage was in forbearance strictly due to COVID relief efforts. I called several times to find out how this mortgage would be resolved at the end of forbearance, and I was told I would not accrue interest or negative credit reports, and I would not be penalized for requesting the relief during the pandemic. I was told I would be given options to resolve the forbearance, one which would be a loan modification. 
When the forbearance was granted, my balance was at about XXXX. When I called the institution to start repayment, instead of modifying the loan, the institution applied an approximate additional XXXX to the loan and said it will be due as a balloon payment. That is essentially a 10 % penalty, and the institution would not provide further explanation or show their work as to why I owe an extra XXXX because I required assistance during the pandemic. This is outright abuse and predatory in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an auto loan on XX/XX/XXXXwith Suntrust bank for a XXXX XXXX XXXX XXXX The car was repossessed in early XXXX and I brought the loan up to date within a week. I finished paying the balance on my {$23000.00} loan in XX/XX/XXXX. I have disputed having the status as reinstated repossession numerous times with Suntrust, XXXX, and XXXX. My last negative account activity was beyond 7 years ago, but they will not remove the status. This is causing my XXXX and XXXX FICO scores to be over 80 points lower than my XXXX. I am a member of XXXX and have found that this status is what is causing the lower score because the negative information is listed with an unknown date. After speaking with supervisors at both credit agencies and Suntrust, I 've been told that this negative information will show untilXX/XX/XXXX. They say the account is positive because it shows paid in full and closed. They will not remove the status because they said it reports accurately even though the negative activity was over 8 years ago.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Hard Inquieres 1. XXXX  ( XX/XX/year> ) 2. XXXX ( XX/XX/year> ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

THIS IS XXXX XXXX AND I AM DISPUTING THE ALLEGED ACCOUNT WITH UNITED CR CO. I AM REQUESTING VERIFICATION UNDER OATH OF THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR FOR THIS ALLEGED DEBT. I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND DEMAND FOR UNITED CR CO TP STOP AND DESIST ALL COMMUNICATIONS WITH THIRD PARTIES ; XXXX, XXXX AND XXXX IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to follow up my previous request that you remove the inaccurate personal information from my Credit File. The following Inaccurate names and addresses are not affiliated with me. I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following Inquiry inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I need you to remove the following inaccurate personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX IDENTIFIED THE INQUIRIES ON MY CREDIT REPORT TO BE FRAUDULENT. CREDIT REPORTING BUREAUS WERE NOT REMOVED FROM MY REPORT. SEE LETTER ATTACHED. UNAUTHORIZED INQUIRIES TO BE REMOVED as soon as possible.
Product: Student loan

Back in XXXX  Public Service Loan Forgiveness ( PSLF ) Program Limited Waiver Until XX/XX/XXXX, XXXX I applied for this waiver. The dept of education denied it saying the forms were not signed by my employer. I refaxed the forms and they still have not reviewed it and have put me back into making monthly payments.
Product: Debt collection

The account with Citi Bank has been declared not mine and documents have been sent to XXXX and XXXX and XXXX .XXXX has refuse to remove the collection from my credit report I have sent paper work proving my statement Debt agencies XXXX XXXX account number XXXX amount of {$1000.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX refuse to remove hard inquires that should have been remove from my credit report. Here is a list of hard inquires that are expired : Inquiry date. Removal Date 1. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 2. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY
Product: Credit reporting, credit repair services, or other personal consumer reports

Never issued this fraud alert and unless requested by me, Experian better not issue another one. Remove this fraud alert immediately, FCRA violation. 

Please provide documentation of who issued this fraud alert when and what address. 

Copy of Alert : Consumer Statement XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : Fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. Do not extend credit without first verifying the identity of the applicant. This security alert will be maintained for 1 year beginning XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and Equifax have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the inquiry to be removed XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer Social Security NumberXXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, credit reporting agency, block information appearing on my consumer credit report thatis the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of BELOW I HAVE BEEN A VICTIM OF SOCIAL BREACH MY SOCIAL WAS USED TO INQUIRIE INQUIRIES AND ACCOUNTS THAT ARE NOT MINE PLEASE HELP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made payments on time but reporting late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 1 ) XXXX XXXX Original creditor : XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX Original creditor : XXXX XXXX Account # XXXX 3 ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX 4 ) XXXX XXXX Original creditor : XXXX XXXX XXXX Account number 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 or other personal consumer reports

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

My name on my credit report is XXXX XXXX XXXX Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY EXPERIAN REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY XXXX, XXXX, AND EXPERIAN REPORT. MY INFORMATION WAS BREACHED VIA XXXX BREACHES, XXXX BREACHES, AND ALSO EXPERIAN. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Collections Date Opened XX/XX/XXXX Balance {$490.00} Account Number XXXX XXXX XXXX {$150.00} Date Opened XX/XX/XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$13.00}
Product: Credit reporting or other personal consumer reports

During my last few months at the XXXX and move out, I was overcharged. I apartments charge you at move in for the clean out fee and couldn't produce a detailed invoice from the cleaners showing that I owe more. I was also overcharged {$75.00} each month my last 3 months and the manager only removed one. I have studied the landlord tenant laws in South Carolina and I am positive that I am entitled to compensation if I go to court. Not to mention I did not receive the move in special I was promised for doing a look and lease.
Product: Checking or savings account

Hello I deposited my check into my bank acct and they want to hold my check for way too long and not give me access to any of it.
Product: Checking or savings account

I have XXXX dollars in bank account and they refuse to give to me because they couldnt get me verified. I have given social security. DOB, address, drivers license, security code and they called my phone and I provided a code. They said none of my informations matched their system but when they hung up on me, the next person said it was correct. I waited XXXX weeks for paper to come to address on file and provided the reference code to unlock account and they said it still wasnt good for them. I told them that this is fraud that they are stealing my money and I seek damages as well since Im having to deal with this. This Citi bank is fraud and they are stealing my money. XXXX trying to get my money that is in the account back and I am done with this scam company. They will not give me my money back. XXXX weeks now Ive been trying. Today is XX/XX/year> Citi bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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.

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 informationisinaccurate.
Product: Debt collection

I received a credit monitoring ale rt on  XXXX / XXXX /17 that an acco unt with Midwest Recovery Systems was added to my profile. I received no dunning letter from this company regarding the alleged debt. They gave me no opportunity to request debt validation as I have not had any sort of business relationship with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Product: Credit reporting or other personal consumer reports

Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.