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

As of XX/XX/XXXX my credit score was XXXX. When I checked for an update today, I noticed that my credit score has dropped XXXX points to XXXX. In looking at the credit report, it has come to my attention that my credit score is being unfairly impacted by an administrative forbearance, elevated to a processing forbearance placed on my student loan due to the federal court issued an injunction preventing the U.S. Department of Education from implementing parts of the Saving on a Valuable Education ( SAVE ) Plan and other IDR plans. 

I did not request my account be put in this forbearance and have been working tirelessly with FSA and Mohela to change my payment plan and effectively move my loans out of forbearance. This is of no fault of mine, and I am not delinquent on my payments. Against my will, this account was put into an administration forbearance in XXXX. Despite submitting a request to change payment plans on XX/XX/year>, no changes have been made to my account and my request continues to sit processing. After speaking with an agent today, my account was placed into a processing forbearance that extends forward 60 days and is also retroactive to cover the previous months. Furthermore, my loan provider indicated that a freeze was placed on my account via the department of education that extended to XX/XX/year>, which did not allow my loan provider to process my prior request to change payment plans. Since, my loan provider has still not processed my request, calculated my new payments, and taken my loans out of the administrative forbearance. 

At the current time, I am unable to make payments because my payments have not been calculated by the loan provider. With student loans now reporting if payments havent been made in 90 days, this is unduly impacting my credit score. I request that this negative impact to my XXXX XXXX be rectified immediately, and Mohela stop reporting me to the major credit unions as delinquent.
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. 
The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXXXXXX XXXX XXXX account number : XXXX Balance amount : {$14000.00} Payment amount : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct these items immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX XXXX/XXXXXXXX XXXX XXXX/XXXXXXXX XXXX XXXX XXXX/XXXXXXXX
Product: Payday loan, title loan, or personal loan

I opened a " loan '' with XXXX on XX/XX/XXXX. {$500.00} I had immediate access and {$1500.00} was in a " locked saving account ''. I was way ahead on paying the " loan '' off and by XXXX had the actual loan of funds that I had been given fully paid so the " savings '' had more than the " loan ''. Shortly thereafter I went to make another payment and both the " loan '' and " savings account '' had disappeared with a note that they were being transferred to another company. 

It took over two weeks to even find out what company it was and to get any information whatsoever. 

Once I had access to the new " loan '' I tried over and over to use the " savings '' to pay it off and close them both due to the lack of transparency and sense of dishonesty. They just kept sending me back and forth between the two companies and refusing to do anything. 

So I have been trying to pay it off asap and get away from this. It is clearly a scam. The links in the emails from " SST '' go to unsecured pages and now the entire website is very clearly fake ( the fake website I first saw today ). I have screenshots of everything and need to get this fixed. They have now scammed us out of XXXX and XXXX  of dollars.
Product: Credit reporting or other personal consumer reports

Equifax is reporting false and inaccurate information. I have disputed this account multiple times and Equifax continues to violate my consumer rights by reporting false and incorrect information. Please VERIFY that this account belongs to XXXX XXXX and VERIFY that the account balance is correct. Please verify the payment history. Please provide any documentation that proves XXXX XXXX gave written permission to Equifax or XXXXXXXX XXXX that authorized either entity to furnish/report the non public personal information of XXXX XXXX . Please provide documentation of the initial investigation before this information was procured to my credit file. According to the FCRA information reported MUST BE accurate and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, CIC CREDIT add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY WALLET WAS STOLEN AND MY IDENTITY
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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: Money transfer, virtual currency, or money service

The company refuses to allow me access to my account and funds even after following all of their instructions and procedures. I have tried XXXX times to access my funds through their own instructions and they refuse to give me access to my account
Product: Checking or savings account

I am having an issue opening up a checking account with Sun Trust Bank online. Sun Trust Bank is discriminating against me by denying me credit, not allowing me to open up a checking account and discriminating against me based on my race, me being XXXX XXXX ( XXXX ). Sun Trust Bank is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Product: Debt collection

I have been receiving letters from Lawyers telling me that there is a suit against me from a company I never did business with and never got any documents from the company for a resolution. I do not owe any money to the debt company name velocity investment llc. I believe this is against my rights of the company in trying to sue me. I feel that velocity investment llc is a fraudulent company just trying to sue without any contact with me about this alleged debt owed to velocity investment llc. I have not received any calls whatsoever from velocity investment llc but they can just go out and try to sue me? How can a debt company try to sue me with out contacting me before filing a law suit. This is out of hand and something needs to be done to stop these people from velocity from trying to sue me and people out there. I read how this company are not licensed debt collectors how is that possible. But there allowed to file lawsuits against me. I have gotten so much lawyers sending me notices about this situation but nothing from velocity. I also saw while I was not home and at work from my ring camera a man knocking at my door which I notice he was trying to serve papers so he was a process server which came into my property that has a fenced and a no trespassing sign on the door which he is not supposed to come into my property and thats against the law for a processor to come in the property when the gate door is closed he has been sent from the velocity investment lawyers which they should no that is trespassing.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

A property I own went into foreclosure after my mother in law died. I am in the process of selling the property and satisfying the mortgage in full, no short sale. In speaking to the bank previously, I knew there were added charged to the base principal for attorney fees, escrow advance, etc. 
When my title agent requested the official payoff for closing on XXXX XXXX, 2016, he received the attached document showing the payoff amount. This amount includes a new line item titled 'Lender Paid Expenses '' totaling {$4100.00}. I had gotten a breakdown from their attorney of the various fees being charged but nothing referencing this. 
When I called today to get a detailed breakdown of the charges, I was told they do not know what they are and the only way to find out was to make a request to the research department. Should be simple enough but was then told that they do not have phones. The only way to submit a request was formally in writing by either fax, which I do not have, or by mail. I asked how long until I receive the information and was told they have no timeframe for getting the information. 
So with a closing this week ( which would satisfy the loan without them having to foreclose ), I am being told I need to jump through hoops, submit in writing to a department without phones and an indeterminate timeline for response, to find out what they are charging me for. 
I believe they know that by stalling I will have no recourse to fight these unknown charges as the payoff will be made by the closing agent. They are hiding behind their research department to defend these false expenses. I believe I had a right to be notified of any expenses that were being charged to my account and since I have never received ANY paperwork showing such, it should be removed or proven. 
All I am asking for is a reasonable breakdown and explanation of the 'expenses ' being charged to me.
Product: Student loan

Pioneer Collections company called numerous family members speaking to each of them. After contacting the first one, they did not have the right to turn around and contact a second one in the same hour.
Product: Money transfer, virtual currency, or money service

PayPal blocked my account with the amount of {$1700.00} being withheld from me. They are saying I am not who I say I am, although I have sent them proof they will not give me access to my account. They said after 180 days they would release the funds back to me but its been almost 3 years now. I have called, emailed and still nothing. Im at a loss on what else to do.
Product: Consumer Loan

This is the follow up from the companies response not providing validation about an account they continue to report. For this company to report the information and not be able to validate the account per the FCRA they should not be reporting anything. The letter they send actually indicated that they did not have proof of the account in question. They did however send a contract on another account that was in question.
Product: Money transfer, virtual currency, or money service

my Cash App account was hacked, leading to unauthorized transactions and a breach of my personal information. When I discovered the fraudulent activity, I reached out for help using the support icon in the app and attempted to dispute the transactions. However, the resolution provided by Cash App was unsatisfactory, as I was only advised to set up a new Cash App handle and card rather than receiving meaningful assistance in recovering my funds or securing my account. I also want to highlight that, not only did I not get my money back, but there was no accessible way to speak with a live representative. The only support option available was through the in-app chat, which was insufficient in resolving my concerns. I believe this incident highlights the weak security measures within Cash Apps systems, which allowed fraudsters to access my account and caused significant financial loss and inconvenience. This aligns with the broader concerns raised by the CFPB regarding Cash Apps inadequate protections against fraud. I am seeking accountability for the financial loss and the disruption this incident caused.
Product: Debt collection

Apparently, someone purchased vacations with my social security and name through " XXXX ''. Then I received mail stating that I had a debt to them. I researched the company and knew I never enquired with them. I thought it was fraudulent when I called the company and was scared to give them my social. Then " XXXX '' outsourced the debt to a consolidation company, named " Jefferson Capital '' which I also thought was fraudulent.

Side note* My home computer was compromised about a year and a half ago and I had XXXX XXXX try to remove the hackers from accessing my information, which apparently did not work. 

I was afraid that these entities were not authentic, until Jefferson capital put collections onto my credit. I did not approve of my credit to be used or gave my social to anyone to use. I have great credit and now I'm dealing with this. This is not my debt to be owed. 

XXXX should be looked into, for making it so easy for bad people to take vacations on someone else 's dime.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DON'T BELONG TO ME AND NEED TO BE REMOVED FROM MY REPORTS.
Product: Mortgage

I have a variable rate home loan with XXXX XXXX XXXX XXXX They offered me a rate renewal where I could fix my rate for the next 5 years. I agreed to the terms of this offer and formally applied on XX/XX/. On XX/XX/XXXX I was sent an email saying my rate renewal request was approved, and I was being sent a loan modification document to sign and return. On XX/XX/, I received a letter saying my rate renewal request was declined because Capital One did not receive my signed modification agreement within the required timeframe. However, I never received the loan modification document that I was supposed to sign. 

Today, on XX/XX/XXXX I called Capital One ( spoke with XXXX ) and told them I never received the loan modification document. They are saying that because their system shows they sent the document, there is nothing they can do. And, since they no longer offer loan rate renewals, I am unable to have my rate renewed. This is a terrible process -- I never received anything from them in the mail, regardless of whether or not their system says they sent it to me. Why can't they honor what they originally approved and send me the documents that need signing again, or electronically?
Product: Credit reporting or other personal consumer reports

Dear TransUnion XXXX Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the XXXX data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : XXXX. This inquiry was not authorized XXXX Inquired on XX/XX/year> Please remove it from my credit report XXXX. I didnt receive a statement XXXX days before the bill is due and this a billing error under 15 USC XXXXb ( XXXX ) ( XXXX ) XXXX Account number : XXXX Please correct/update this inaccurate information on my credit report XXXX. Under 15 U.S.C. XXXXi ( XXXX ) Method of verification this account is in violation it was reported without valid evidence. 
XXXXXXXX XXXX XXXX  Account number : XXXX Please remove it from my credit report XXXX. Under 15 U.S. CXXXXe XXXXe ( b ) and 15 U.S. CXXXXe XXXXi ( XXXX ) this account is in violation not reporting XXXX percent accurate. 
XXXX Account number : XXXX Please remove it from my credit report XXXX. Under 15 U.S.C. XXXXi ( XXXX ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account number : XXXX Please remove it from my credit report XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately.XXXX XXXX XXXX Account number : XXXX I am a victim of identity theft. Please remove it from my report. 
XXXX. Section XXXX states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this XXXX  account can not report. Please remove this account immediately. 
XXXX Account number : XXXX I am a victim of identity theft. Please remove it from my report. 
XXXX. This agency is in violation of 15 U.S.C. XXXXg. They were to notify me of this in writing XXXX days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX Account number : XXXX I am a victim of identity theft. Please remove it from my report. 
XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately.XXXX XXXX Account number : XXXX I am a victim of identity theft. Please remove it from my report. 
XXXX. Section XXXX states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this XXXX account can not report. Please remove this account immediately. 
XXXX Account number : XXXX I am a victim of identity theft. Please remove it from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my consumer report and I noticed inaccurate information on my consumer report I have notified Equifax to correct and remedy this situation be they are being negligent in their efforts to correct and remedy these issues
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I checked my XXXX and XXXX credit reports and noticed inaccurate unlawful and unverified late payments from XXXX and kovo. 15 USC 1666 ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Is being violated no notice was given and all payments were made. I have attached receipts from both companies.