23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

I sent debt validation paperwork to XXXX XXXX XXXX on XX/XX/2023, XX/XX/2023, and XX/XX/2023. XXXX XXXX XXXX mailed a generic response that they received my request but never provided the paperwork and underlying supporting documentation. The collection account listed on my credit file was deleted in XX/XX/2023 and then added back in XX/XX/2023 while being illegally re-aged. No debt validation paperwork has been received.
Product: Credit reporting or other personal consumer reports

I've identified fraudulent inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a security freeze on my Lexis Nexis Consumer Report and I am being denied credit because of the security freeze. I want Lexis Nexis to immediately and permanently remove the security freeze from my consumer report. My Unique Personal Identification Number ( PIN ) is : XXXX, My Consumer Number is : XXXX, Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
Product: Money transfer, virtual currency, or money service

I have had a PayPal account for over 10 years for two business accounts.

PayPal has changed CEO 's and my understand the business has changed greatly.

As of the last 2 payments, PayPal is now holding my payments and delaying them 1-5 days. 
I have contacted the company a couple of times, and they are very vague with why they are holding the money. It is in the transfer to the XXXX  XXXX XXXX and never has been held in over 10 years. The Vendor client is the same for 8 years and the transfer process has never had an issue. 
Are they holding the money to have cash flow at their own company? 
I am going to discuss with my client and moving forward ask for a different method of sending my payments. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity while I was in XXXX and open accounts in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA I was suppose to receive notifications of an account been added back to my credit report after it has been deleted. I have serval accounts with XXXX XXXX that was deleted and I was not notified of the reinsertion on my credit report which is against the law.
Product: Credit reporting, credit repair services, 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. us bkpt ct XXXX XXXXXXXX refrence number XXXX, XXXX XXXX XXXX account number XXXX, us dept of education account number XXXX has violated my rights 15 usc 1681 section 602 a states i have a right to privacy 15 usc 1681 section 604 a2 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Student loan

On XX/XX/XXXX I contacted Nelnet student loan servicer and spoke to representative XXXX about getting a history of all student loans statements sent to me. The reason I wanted the history of all payments made and interest accrued was to verify why the interest accrued on my student loan was as of XX/XX/XXXX was {$360.00}. The interest was very high for only a 15-day period since the government student loan forbearance period was not lifted until XX/XX/XXXX due to Covid forbearance placed by government on all federal student loans. 

The overcharge of interest from XX/XX/XXXX - XX/XX/XXXX signaled me to do further research on the overall student loan since the amount I have paid since I borrowed federal funds has never gotten any lower. The request of the statements was supposed to have been put into processing based on my conversation with the Nelnet representative on XX/XX/XXXX, who stated it could take up to 4 weeks for me to receive the statements. 

I waited until XX/XX/XXXX after not receiving the initially requested statements, in order to call back Nelnet because I had not received the history of statements. On XX/XX/XXXX, I spoke to representative XXXX who stated that the order of my original request was not put into action. XXXX then stated he would place another request into processing. Hearing that the history of statements had never been placed was concerning to me, since I had called Nelnet on XX/XX/XXXX. On this same date I made a payment in the amount of {$560.00}. The payment was received and now looking into my statements I see that XXXX dollars were applied to principal from that payment and on previous payments made in XX/XX/XXXX & XX/XX/XXXX only a small portion of those payments actually went to principal. To date of this submission I have not received any historical statements or letters from Nelnet about my inquiry request ( XXXX ). 

In doing my own research I have found that as of XX/XX/XXXX I have made a total payment amount of {$47000.00}. Of that amount {$28000.00} has been applied to principal and the remaining amount of {$18000.00} was applied to interest. Having completed research using the Nelnet online services, I am truly concerned, due to the total loan amount paid off as of XX/XX/XXXX is more than the original amount borrowed ( {$41000.00} ). Understanding interest would have accrued I am making this complaint to you asking for assistance with the negligence of Nelnet. I am in need of the history of statements from inception of the loan to provide them to an attorney who will be assisting me with this negligence of the student loan servicer and known incorrect application of payment to principal vs interest since I began repayment XXXX years ago. 

As of this date of submission XX/XX/XXXX to the government asking for assistance, I have made additional payments to bring the total amount paid into the loan equaling {$74000.00}. Of this total amount paid in, the principal amount paid is now {$55000.00}, and the interest amount charged by Nelnet is {$19000.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against 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 federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

On XX/XX/2018 I was served court documents from the County sheriff that I was being sued by XXXX XXXX XXXX. First, I am a XXXX veteran with XXXX XXXX  XXXX. It is not appreciated that scare tactics, such as using a sheriff to deliver court documents because it resulted in me having a XXXX XXXX in front of my daughters. Second, I have NEVER received any correspondence from XXXX XXXX XXXX, a debt collection agency, nor have I NEVER received any phone calls from XXXX XXXX XXXX in regards to debt claimed owed. My rights under the Fair Debt Collections Practices Act were violated, because I was NEVER given the opportunity to dispute the debt within 30 days to XXXX XXXX XXXX. If I was notified properly, I would have disputed the debt within the 30 day time frame and I was denied this right. 

In regards to alleged debt owed : 1. I have no contract/credit card agreement with my signature on it with XXXX XXXX XXXX and this proof needs to be provided. Provide documents with my signature on it. 2. provide ALL XXXX XXXX XXXX XXXX to show the purchases I made through them, and the payments I sent directly to them. XXXX   statements is legally insufficient. 3. Provide a bill of sale showing that XXXX XXXX XXXX paid the FULL amount of debt of {$5000.00} directly to XXXX XXXX XXXX XXXX ( not a charge off amount ), since XXXX XXXX XXXX is a debt junk buyer and is trying to get more money than what they paid for debt. I have also submitted a complaint to the XXXX XXXX XXXX and contacted a lawyer in XXXX for the violations they have committed under the Fair Debt Collections Practices Act and for the emotional distress that was put on me because of their scare tactics used.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Equifax credit reporting agencys, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX, XXXX 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

I disputed a bankruptcy that was on my Experian on XX/XX/17 and it was said that the information was verified. I called back after the results of the dispute and was told that the could not provide the information that was used to verify the information. I called today and spoke with XXXX who initially advised me the the bankruptcy was verified by the court which is no true because the court does not verify credit information when I advised the agent of thi he advised that the bankruptcy was verified by a public record vendor but could not disclose the name I then requested to speak with a supervisor which was XXXX. The supervisor advised the he could not provide the name of the Public record vendor and that he did not know it. Both representatives said that they were in the XXXX XXXX office.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Transunion don't want to fix inaccurate accounts on my report. How can Transunion verify these inaccurate accounts? ( 1 ). Did you talk to the court and if you did who did you talk with at the court? ( 2 ). Were you required to pay a fee to obtain the bankruptcy papers? ( 3 ). Can you provide me with the contact number and name of the person you talked to? Transunion told me that they use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : XXXX XXXX XXXX XXXX   XXXX Date Filed : XX/XX/2017 Bankruptcy XXXX XXXX-dismissed Reference : XXXX and XXXX XXXX XXXX XXXX   XXXX Date Filed : XX/XX/2017 Bankruptcy XXXX XXXX-dismissed Reference Number : XXXX I'm waiting for your response.
Product: Mortgage

Please see complaint XXXX as it was closed but not properly resolved. The company did not provide all communications. They lied and stated everything was finished in XXXX but I was still in contact with them in XXXX trying to save my home before it was eventually sold at auction and I was forced to move.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX -- - AFFIDAVIT I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, and reachable at XXXX, do hereby declare and affirm the following under the penalties of perjury : XXXX. I am the affiant in this matter and have personal knowledge of the facts stated herein. 

XXXX. I assert that fraudulent XXXX XXXX XXXX and XXXX accounts have been erroneously linked to my credit profile, and I categorically deny authorizing or owning any such accounts. 

XXXX. I have diligently pursued resolution through official channels and have filed an FTC Identity Theft complaint under reference # XXXX. Additionally, I have submitted numerous complaints to the Consumer Financial Protection Bureau ( CFPB ), all of which confirm my non-authorization of the aforementioned accounts. 

XXXX. It is crucial to note that the said accounts, identified as XXXX XXXX # XXXX and # XXXX, were previously deleted from my credit profile, further supporting the acknowledgment of their fraudulent nature. 

In light of the above, I hereby affirm the veracity of the contents of this affidavit to the best of my knowledge and belief. 

Executed on this XXXX day of XXXX, 2024. 

__________________________ XXXX XXXX -- - Both accounts were previously deleted by XXXX, then reappeared. 
XXXX  XXXX Dispute # XXXX / XXXX. 
These are not my accounts please re-delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter to XXXX/CONTFIN notifying them that my XXXX  credit report showed an unauthorized hard inquiry they had made and that I was not aware of. I requested that these inquiry be removed immediately this inquiry has been cited as a reason for me to receive credit. I also sent a copy of my credit report showing the inquiry. The letter was sent to the following address : XXXX/CONTFIN XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, DE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I'm being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I has been well over 45 days. Which mean it should be deleted immediately. If they are deleted from my credit report. I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only have I never heard of this agency/service, but I NEVER consented in any way shape or form for my information to be shared/used by or to this agency/service. Since when do any bankruptcy courts report to credit agencies/services? Last time I checked they DONT. I DEMAND this service & ANY other service that shares my information without MY CONSENT be completely removed or cleared from ALL credit report ( s ) IMMEDIATELY!
Product: Credit card or prepaid card

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

Account Name : ( XXXX XXXX XXXX XXXX  Account # XXXX, hasviolated 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

An authorized user account was opened with XXXX XXXX under my name without my permission. I requested that XXXX remove me from the account, which they did, but are still reporting the card as belonging to me on Experian. The account status is closed, but still listed. I disputed this account with Experian, twice, but XXXX times they have refused to remove it.
Product: Credit reporting or other personal consumer reports

CFPB Complaint against XXXX XXXX XXXX XXXX ( Separate complaint filed with all bureaus : XXXX, XXXX, and Equifax ) : What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block the fraudulent information appearing on my consumer credit report. This information is the result of identity theft and fraud, and I request this block to be applied within 4 business days of you receiving this complaint. 

The fraudulent, inaccurate, and false information consists of : account XXXX XXXX XXXX on XX/XX/XXXX account number : XXXX balance of {$590.00}. 

A XXXX account on XX/XX/XXXX account number : XXXX balance {$590.00}. 

A XXXX XXXX XXXX account on XX/XX/XXXX account number : XXXX. 

A XXXX account opened in XXXX account number : XXXX balance {$70.00} A First Premier account number : XXXX date opened on XX/XX/XXXX A XXXX account number : XXXX XXXX opened on XX/XX/XXXX balance of : {$560.00} An account Creditor Name is : Collection Original Creditor is Collection account number : XXXX opened on XX/XX/XXXX balance of : {$590.00} A XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XX/XX/XXXX balance of : {$590.00} A XXXX XXXX account number : XXXX A XXXX XXXX XXXX account number : XXXX XXXX XXXX XX/XX/XXXX balance of : {$1200.00} A XXXX account number : XXXX opened XX/XX/XXXX balance of {$590.00} A list of unauthorized inquiries on the credit report : XXXX XXXX XXXX XXXX date requested requested XXXX XX/XX/XXXX XXXX XXXX XXXX date requested on XX/XX/XXXX XXXX XXXX XXXX date requested on XX/XX/XXXX XXXX via XXXX requested on XX/XX/XXXX These XXXX have XXXX in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 

I have attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX  credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as being mine. These fraudulent 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 the FTC Identity Theft Criminal Complaint ( # private case number ) as proof from the U.S. 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 or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, 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, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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 # ( private case number ) 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: Debt collection

On my credit report, afni posted a debt XXXX. I currently XXXX so I spoke with XXXX They told me that I am current and they do not show anything that has been sent to a credit agency under my name. I told this to afni but they continue to report it. I have all of my XXXX statements since XXXX/XXXX/2014 that I can access online also. Even though I had uverse longer than that, they only post a certain amount of statements online, each additional would cost me {$5.00}.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company