23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My finances were severely effected by the COVID- 19 pandemic. I was furloughed from my job and went on unemployment. However, due to a large amount of fraudulent cases hitting the unemployment system, my payments were placed on hold for months until the Department of Unemployment could get to my case and verify my identity. This left me with no type of income for 16 weeks. 

I applied and did receive a COVID forbearance. However, the company only offered a 30 day forbearance. After 30 days, I was still unable to make a payment because I still did not have any income. 

XXXX XXXX reported my account 60 days late to the credit bureau. This dropped my score 89 points. On XX/XX/XXXX, I made a payment of {$160.00} to bring my account current. I then reached out to the company to see if the late payment could be removed from my credit as a one-time courtesy since I've never been late on a payment and the reasons that I was late was beyond my control. I was told that I would have to write a letter to the dispute department which I did on XX/XX/XXXX. 

On XX/XX/XXXX, I called to follow-up on the letter. I was never given an option to speak with anyone directly in the dispute department. I was then told that I would have to dispute it directly with the credit bureaus. 

On XX/XX/XXXX I opened a dispute with XXXX. XXXX XXXX replied back to the dispute stating that everything is correct. My problem is that I'm not disputing whether its right or not but I am unable to effectively communicate that via the online dispute portal and I can not directly get in contact with anyone in XXXX XXXX 's dispute department.
Product: Mortgage

I have received a response from Selene regarding the CFPB XXXXase numberXXXXAccount # XXXX. Property addressXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX 
I spoke to XXXX XXXX XXXX  # XXXX to XXXX on XX/XX/XXXX, I was told that I could stay in forbearance until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke to XXXX, and he stated forbearance ended the end of XX/XX/XXXX. 
On XX/XX/XXXX, XXXX stated forbearance ended XXXX XXXX. 
OnXXXX I sent emails, about starting payment and discussed the deferment option for payment of forbearance monies. 
As Selene stated, they believed erroneously that forbearance ended the end of XXXX, and have put a scenario around that saying I did not make payment in XXXX. I can start making payment to Selene now and do the deferment plan in which the forbearance balance can be put to the end of the loan. 
I am asking that they correct their records to reflect the above documentation, and we can go on from there with a monthly payment of {$340.00}.
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 Balance : - ; XXXX/XXXX  XXXX Balance : {$280.00} ; XXXX  XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$990.00} ; XXXX/XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DECLARATION OF XXXX XXXX. 
I declare under penalty of perjury pursuant to 28 U.S.C. section 1746 as follows : I am over XXXX  years of age and competent to make this declaration. I have recently obtained my consumer report from Experian. Experian is reporting the following unauthorized inquires on my consumer report : I am a victim of fraud : Experian has my name misspelled XXXX times and have XXXX different addresses I don't have any knowledge of. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. Any other addresses I have nothing to do with. I have no knowledge of the personal phone numbers THAT ARE LISTED ALL UNKNOWN ACCOUNTS : Automobile Acceptance for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XX/XX/XXXX THESE HARD INQUIRIES ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ALL SOFT INQUIRIES I HAVE NOTHING TO DO WITH
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint XXXX attached ).
Product: Debt collection

I have no idea who these people are. My sister did not have any debt with them and I'm seriously XXXX XXXX  that some scam company is preying on me and and parents trying to collect debt that A ) she didn't have and B ) We did not cosign for! Please tell them to XXXX XXXX ... ....
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 U.S.C. 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the rights 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 antendates the report by more than seven years.

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Hello, I'm writing you in regards of a closed auto loan on my credit report. The company is XXXX XXXX XXXX. The company sold the debt to Jefferson Capital LLC. I received a letter from a process server that they are threating to sue me if I don't pay this debit. The account is closed on my credit report and Jefferson Capital isn't even on my credit report! Jefferson Capital reaged the debit several months ago. I need your help getting XXXX XXXX XXXX OFF all 3 of my credit reports. The company has threatened me during a pandemic and I just started a new job! I was unemployed for several years. What they are doing is against the law. XXXX, XXXX, and XXXX wont even let me dispute it anymore! That's against the law! Please help me ; XXXX XXXX XXXX or Jefferson Capital Systems LLC they are breaking the law!
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX transferred our loan to LoanCare , LLC, which now accepts our mortgage payments on behalf of XXXX XXXX. We received a letter XX/XX/XXXX indicating the old loan number, the new loan number, the date of the transfer, contact information, and the website to make a new online account. They included instructions to make a new account, but promised that autodraft would transfer. It is now XX/XX/XXXX, and we remain completely unable to make an online account. Someone at LoanCare , LLC has simply failed at the task of setting up a database. We can enter our old loan number, confirm the new loan number, but can not make an account due to one technical glitch after another. Customer service is unavailable or completely in the dark as to the issue, and as such can not help. Our mortgage payment amount has changed, and we can not determine why. We can only confirm that money is exiting our bank account via bank draft and have to take it on faith that it is going to the correct company and is being applied to the correct account. This is, plainly, unacceptable. I need access to my statements, and I need access to be able to confirm that everything is correct. Since notice of transfer arrived XX/XX/XXXX I have been trying and failing to make an online account for four months now.
Product: Credit card

I have had a Capital One Quick Silver ( Cap One ) credit card since XXXX XXXXXXXX 2023. They solicited my husband, he accepted, and requested a card for each of us. To avoid late fees and unnecessary interest fees, I only charge purchases that I have budgeted cash for, and I pay it off when Cap One posts the payment. 

Several times I have made a payment and Cap One put a hold on it. I called them bewildered and inquired why they would put a hold on my payment. They said the payment must be verified. Further bewildered I asked why when my checking account was with Cap One as well as the credit card. I got both departments of Cap One on the phone so my checking account could be verified by the credit card division as having the allotted amount. I thought then the credit card division would notate that on my account and release the payment and post my full available credit line of {$500.00}. 

Instead, my account was put on hold most recently on Tuesday, XX/XX/XXXX according to the rep for 25 days until XXXXXXXX XXXX, 2024. During the holidays when I needed my card the most it was unavailable to me for no good reason. Plus, I had a death in the family and had to travel to North Carolina on Thursday, XX/XX/XXXX. I called and asked Cap One to please release my credit so that I could rent a car and go to the funeral, and they refused. So I had to drive my own vehicle and put over 600 miles on it plus wear and tear instead of being able to rent a vehicle. 

After I had made a payment on Sunday, XX/XX/XXXX, of the full balance of {$380.00}. On XX/XX/XXXX it said the full balance was made. Then it said the full balance was made on XX/XX/XXXX. Additionally, I had learned that I could also make a payment of 10 % above the posted payment amount to give myself a little extra credit. So, on XX/XX/XXXX I made another payment of {$38.00}. However, the lesser amount got posted as an overpayment and could only be used after I exhaust the full credit limit. 

On XX/XX/XXXX I thought I had sufficient funds and swiped the card for a roundtrip railway and subway fare only to have my trip home on the XXXX declined. Several times Cap One has put a hold on my payment for 24-48 hours, but when I called them and went through the verification process, the matter is usually resolved. 

On Monday, XX/XX/XXXX I called Cap One and told their rep I had death in my family and needed to travel to North Carolina and wanted to rent a car and use the card for gas, tolls, etc. She had me on hold for almost an hour before telling me that a hold needed to stay on my account until XXXX XXXX, 2024 to verify the funds. The rep told me that it was not them but the system that had put a hold on my account and they could not override it. Even after speaking with a manager I got the same response.
Product: Credit reporting, credit repair services, or other personal consumer reports

OK I have received a inquiry on my Equifax, and XXXX XXXX, and XXXX, credit bureaus. This is a un AUTHORITIES inquiry on my credit report..THIS UN AUTHORITIES inquiry has DROPED my CREDIT score 36 points.. I had a XXXX now it a XXXX which has hurt my credit score. I didn't apply for any credit lines so this is a mistake or fraud .. I guard my credit scores and protect it. I MONITOR my credit scores everyday to make sure it says right.. I had my ID stolen before so I keep track of it everyday so can know if something is wrong ... the company name is XXXX address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.. I am disputing these inquiry with all three credit bureaus and the FTC and cfpb.. this is a violation of my rights. I am unaware of XXXX and I don't know why they did a un AUTHORITIES inquiry on me for ... I NEED them to send my a contract with my signature on it. I did not sign any thing with them and don't know how they ran a inquiry on my and hurt my credit. this is a violation of the fair debt credit reporting act ... they have damaged my credit and I use my credit to do business. this will hurt my ability to do business and make money to take care of my family.. I DEMAND THAT XXXX TAKE THIS UN AUTHORITIES INQUIRY OFF MY CREDIT IMMEDIATELY .I HOPE I WONT HAVE TO ESCALATE THE SITUATION.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am formally filing this complaint to seek urgent regulatory action against Equifax and TransUnion and Experian for repeated violations of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 16811681x ). 
Summary of Violations : 1. Unlawful Reinsertion of Fraudulent Information ( FCRA 611 ( a ) ( 5 ) ( B ) ) : * XXXX XXXX account was previously deleted as well of XXXX XXXX, XXXX XXXX XXXX, and ALL XXXX  accounts following documented proof of identity theft ( FTC Affidavit, police report ). Without required statutory notification, this account has been improperly reinserted, causing significant damage to my credit and mental well-being. 

2. Failure to Properly Investigate and Block Fraudulent Items ( FCRA 605B, 611 ) : * Despite submission of comprehensive identity theft documentation ( FTC Identity Theft Affidavit, official Police Report, drivers license, Social Security card, utility bill ), Equifax and TransUnion persistently verify fraudulent accounts ( notably XXXX XXXX XXXX XXXX ). 
* Their investigations fail to meet the standards set by XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX, requiring detailed and credible verification from original creditors. 
XXXX. Obstruction of Consumer Dispute Rights ( FCRA 609 ( a ) ( 1 ) ) : * TransUnion specifically denies online and telephone dispute access, using erroneous identity verification questions unrelated to me, thus obstructing my statutory rights. 
Impact and Damages : These actions have resulted in extreme financial hardship, emotional distress, frustration, XXXX and harm to my reputation and creditworthiness, limiting my access to credit, housing opportunities, and causing prolonged personal and financial strain. 
Requested CFPB Actions : * Initiate an investigation into Equifaxs and TransUnions handling of my disputes. 
* Require both bureaus to provide concrete evidence of their verification processes for the disputed accounts. 
* Mandate immediate deletion and blocking of fraudulent accounts per FCRA regulations. 
* Enforce punitive measures, including fines, for the intentional and repeated non-compliance demonstrated by these bureaus. 
* Ensure compliance with the CFPB 's previous lawsuit against Experian, holding all CRAs equally accountable to the law. 
I am hopeful that the CFPBs intervention will compel these bureaus to fully comply with their legal obligations and restore accuracy to my credit reports. Your prompt and firm action is crucial in remedying these continuous and serious violations. 
Thank you for your immediate attention and assistance. 
Respectfully submitted, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud in XX/XX/XXXX. All affected creditors resolved the matter on their end, removed the fraudulent accounts along with their associated balances and reported their findings to the credit bureaus. It is now XXXX and Equifax still has not removed the Inquiry from my credit report although XXXX has. Ive made multiple contacts over the past 4 months to the creditors trying to get all the credit inquires removed and I was informed that they have already submitted this information to the bureaus ( at least 2x now ) but Equifax hasnt actioned it. 
It is frustrating and disappointing that Equifax cant be more timely in processing requests that have a negative effect on my life and goals. I cant help but think that the fraud was a result of their data breach anyway. Credit inquiries should be removed at the same time the accounts and balance are. The fraudsters are evil for doing this to people but the bureaus sloppy clean-up practices allow the consumer impact to continue.
Product: Credit card or prepaid card

I opened a prepaid card I received several months ago as a gift for the first time ( personally removed the seal and removed from package ) and logged in to check the balance for the first time on XX/XX/2020. I then discovered that the card had been drained with a series of small transactions happening sequentially with one second intervals on XXXX in late XX/XX/2020. 

The card was issued by US Bank and I was instructed on the back of the card to log into mygiftcardsite.com to check the balance. The site claims that there is a 24 hour service center, but attempts to call simply get cut off instead of transferred to a customer service representative. The links on the website for assistance load blank PDFs. I can not speak to someone to report the theft and initiate an investigation despite assurances online that there is a 24 hour service center.
Product: Credit reporting or other personal consumer reports

This account was paid as agreed ; I was never late. Nissan is showing me late for the month of XX/XX/2022 I demand this to be corrected.
Product: Credit reporting or other personal consumer reports

In XXXX and XX/XX/XXXX, there were late remarks placed on my credit report and again from XXXX of XXXX. I would like for these remarks to be removed from my report as I am making my payments on the loan. During the time of these remarks I was unemployed due to my job cutting back hours. These remarks are preventing me from qualifying for other things I need to use my credit for. I am a full-time college student and working my hardest to pay off my debt. Before I was told that you are unable to remove accurate remarks but based on research and after speaking with the credit bureaus, the company is more than able to remove these remarks from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATED DISPUTE! I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) XXXX XXXX. XXXX XXXX XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( TRANSUNION ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX XXXX for the account opened XX/XX/2020 with account number XXXX and XXXX XXXX XXXX XXXX for account opened XXXX XXXX with account XXXX. Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXX XXXX XXXX XXXX ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
Product: Debt collection

Hello I have flagged my credit report for this debt collection I have no idea who is this for
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a debt on my credit report. I received my dispute results and the item was deleted from XXXX. I contacted the company to see if XXXX  and XXXX  would be updated and they stated it was not deleted and also do not have my correct address on file. The company Caine & Weiner could not verify the debt to be mine and also deleted it. I was confused and upset. I inquired about getting a deletion letter or an update sent to XXXX  and XXXX and they hung up on me. I called back and was onhold for 1 hour and no one came on the line to assist. 


! st call : Caine & Weiner : Acct # XXXX -- amount {$210.00} XXXX at XXXX PM PST I spoke to XXXX and XXXX the Operations XXXX and XXXX hung up on me. I was told the above scenario. 

2nd call : Caine & Weiner Acct # XXXX -- amount {$210.00} XXXX at XXXX PM PST I spoke to XXXX who had a different phone number, different address and could not verify my social security number while speaking to me. I advised of my XXXX report and he stated that I email it to XXXX and put my acct # in the subject line. XXXX stated that I was not able to speak to a supervisor and that someone would call me back. No one did.