23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is  XXXX   XXXX . I have a Nelnet account : Account :  XXXX  Current Balance : {$21000.00} Past Due Amount : {$0.00} Current Amount Due : {$61.00} Payment Amount : {$61.00} Due  Date XX/XX/XXXX   I re-consolidated my loans after they were damaging my credit back in   XXXX   XXXX   XXXX    . I have made my payments on time since then. I thought that everything was being handled but I was n't told about a loan for {$3300.00} that I had defaulted on twice. My credit report is reporting the loan at  XXXX  but when I reached out to them they stated that my debt to Nelnet was at  XXXX . The  Nelnet  account does n't list the loan! They also said I could not pay it over the internet, that I had to call and pay it over the phone.     This seems extremely predatory and I will call them and work to reestablish my credit, but others like me might not be able to because of these shady practices. Please let me know if you can assist me with this. I will cooperate as much as I can.       Thanks,  XXXX
Product: Credit reporting or other personal consumer reports

XXXX MORTGAGE XXXX XX/XX/2022 XXXX MORTGAGE XXXX XX/XX/2022 XXXX MORTGAGE XX/XX/2022 XXXX MORTGAGE XX/XX/2022 PALMETTOCI XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 SAFE FD XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX || XX/XX/2023 XXXX || XX/XX/2023. XXXX XXXX || XX/XX/2023
Product: Student loan

I was asked to pay a fee to take away my loans due to student loan relief and nothing occurred. The amount I owe still is the same and has not went down. They transferred me to a different account and also took the full amount of my taxes due to no payment. I was a struggling single mother and put me in a worst hardship. And they took the money and sent me to a different student loan company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to delete this account from my report, after they told me they will remove, once the account is paid in full., since the account was charged off/closes. I paid the account in full, so now they are saying they will leave the account on my report for seven years. that was not our agreement. My XXXX XXXX XXXXXXXX account is paid in full and closed, so please remove it from my report. Also, i have my XXXX XXXX XXXX XXXX account with XXXX, that was charges off/ closed, that i am currently making monthly payments on to XXXX, and I was told the same agreement once that account is paid in full, which I believe will be XXXX 2018.
Product: Money transfer, virtual currency, or money service

I purchased and applied a {$100.00} gift voucher to my XXXX account, expecting to be able to use it to purchase hardware or physical games. The funds are now locked in a " wallet '' on their site that can only be used to purchase digital goods, for which I have no use. I have called and used chat and have been told there is no way to withdraw the funds or have them converted into a format which I can use on the physical goods.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, there were unexplainable discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the inquiries remained. I am incredibly frustrated by this and need the documents I submitted to be thoroughly reviewed to ensure this never happens again.
Product: Credit reporting

I have been disputing this information for months now. I had identity theft done to me with a macys account being opened up in my name. After months of investigation I received noticed from XXXX that the account is fraudulant and will be removed from the XXXX credit reporting companies. Yesterday I received a copy of my credit report from equifax and the results from the investigation on this macys account was ... .it has been verified as belonging to me. I do not understand how this is still reporting on my reports as I submitted a copy of the letter I received from XXXX fraud dept advising me that this account will be removed from my credit reports. Today I called equifax again and explained that this account should be deleted from my report. I was told that it is still reporting and they are waiting to hear back from the company. Last week when I called them I was told it was deleted and not on my report anymore. This is getting completely out of hand as I feel I am just being told anything and I have no idea if this account is on my report or if it is not on the report. I keep getting different stories. While I had them on the phone I brought up another issue in regards to my XXXX XXXX account that I submitted the letter I received from XXXX XXXX stating that the deragatory remark that is reporting as 1 payment late back in 2014 to be removed as this payment 2 years ago was NOT late. I have been requesting and disputing this XXXX account for months now as well. I explained to the customer service rep that this account should be reporting as accounts in " GOOD STANDING '' ... ..however it is still reporting as potentially negative. I want this information corrected because i am just getting all different stories and I feel this information is not being properly investiaged and the letters I am sending them as supporting documentation are just being ignored.
Product: Credit reporting or other personal consumer reports

The unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( DOE ) and the Department of Governmental Entities ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under XXXX ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the XXXX XXXX XXXX, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX On the early afternoon of XX/XX/2019, I paid an international wire fee to my local [ XXXX NY ] branch of Community Bank, N.A. of {$45.00}. to send a wire from my bank account to a friends bank account of {$920.00}. ( Im a retired XXXX and I was trying to provide educational help to a friend. ) The bank deducted {$960.00}. from my bank account, which was normal. 

The money was never deposited into my friends bank account. So, the following week I asked the local branch manager, XXXX XXXX, who sent the wire, to have a search done to determine where the transfer was stuck. ( She told me that Community Bank, N.A., uses the New York XXXX XXXX XXXX bank to send international wires. ) She told me the next day that it could take up to 90 days even to do a trace! 

As of today, exactly 28 days after the transfer was initiated, the money has neither been transferred nor returned to my account. Earlier this week I called the number on the banks website and someone named XXXX told me hed look into it. Nothing happened. 

I, therefore, messaged Ms. XXXX to cancel the transaction and return the {$960.00} to my account. Apparently, she requested that, but she also then informed me that it could take 90 days even to do just that! 

I believe that, if one pays for a service in advance, ones money should be returned promptly if that service is not provided. If you agree with me, I hope that youll treat this complaint seriously. 

Someone has been using my nearly {$1000.00} without my permission for the last month and this situation may drag on for months more. ( Meanwhile, my friend, who was counting on the money, is stuck. ) I would like you please to pressure Community Bank into returning my {$960.00} immediately as well as reasonable interest for the use of my money. ( It may not seem to be a lot of money, but Im living on a fixed income and its a lot of money to me. ) Thank you for your attention. 

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

XXXX reported to TransUnion Credit Report that my balance increased by {$100.00}, this caused my credit score to decrease. I have been paying on this account for many many months over 2 years without covid19 suspension of payments and this company reports negative information to my credit report. 
The balance of student loan is fraudulent as I never got a payment of the monies that were not used at XXXX XXXX and I never got any payments of monies that was not used from XXXX XXXX XXXX XXXX. When I disputed this, there was not an investigation. They bill me extreme added fees of interest and they never showed payments that were paid for 10 years after I graduated in 2002. 
The student loan has been a rope around my neck to freeze my credit score from improvement. This has took away from my education for years of rebutting navient bad unfair practices.
Product: Checking or savings account

With PNC Bank, I opened Virtual Wallet with Performance Select accounts on XX/XX/XXXX based on an offer I received in the mail and online after entering my zip code that if I opened online through the link and setup direct deposits of {$5000.00} within 60 days I'd get {$500.00} within 60-90 days ( see attachment 1 ). I met all the qualifications on XX/XX/XXXX ( see attachment 2 ) so should have received the {$500.00} bonus by XX/XX/XXXX at the latest but didn't. I followed up with PNC but they said I didn't meet the offer terms because I wasn't targeted, which is false because I received the offer in the mail, and also qualified online after entering my zip code and applying through the proper link. PNC also had a {$300.00} nationwide offer ( see attachment 3 ) that didn't require any targeting ( even though I was targeted for the higher {$500.00} offer through a mailer and through website qualification with my zip code ) that PNC also hasn't even given me. Clearly false advertising, consumer fraud, and unethical behavior from PNC.
Product: Mortgage

The company Ditech assessed a late fee for a payment. According to the Ditech representative I spoke with, the only way to make sure the late fee is paid off without the payment going to the principle or interest on the loan is to pay {$19.00} to have a representative take the payment over the phone. 

This is an unfair fee to cover a late fee of {$70.00}. 
Other methods of sending in a check are no guarantee that the late fee will be paid according to the representative I spoke with at XXXX XXXX CST on XXXX XXXX, 2017. 

What is the purpose of this unreasonable fee for making transactions over the phone?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX added a fruad alert, as have others with all of these breeches. I never authorized ANY alert. XXXX reefuses to remove the alert. yes, my id was stolen, as my ssn numbers- however, that does not give anyone permission at any company to refuse acces to my files in any way due to panic mode at their company. remove all blocks and alerts. I am being denied credit due to this, which is unlawful. Furthermore disputed information is fraudulently being re aged and re certified. IT MUST BE REMOVED. THE DEBT IS CHALLENGED- if companies will not comply in CORRECTLY REPORTING THE DATA- and they have not so far for years, then it must by law- be removed.
Product: Other financial service

being contacted daily by phone and email from a service looking to reduce my student loan. under names : academic guidance, XXXX last email contained this : If you could call me direct or my team at XXXX we can finalize your application and most likely remove most of your Student Loan Debt Thanks and let me know if you have any questions. 

XXXX XXXX Customer Success Manager XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX called the number asked for XXXX. no one there by that name. i asked for manager and talked to XXXX XXXX. he refused to escalate to a manager above him and hung up on me several times. had other employees answer and also hang up on me. said he was the floor manager and that there was no one above him. stayed on the phone asking but he still refused to give me any other information to the point where he just stayed on the phone silent and ignoring me instead of giving up any more information. extremely unprofessional conduct. the thing about this is that i put information into a website a dfew months back. ever since then, non stop calls emails and people asking me for my personal information. I keep refusing and telling them to take my number off their list but still get these calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX 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

This company ignore my written request by certified mail, more than a month ago, on XXXX XX/XX/2021. 

XXXXXXXX XXXX XXXX  reports : Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 

How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to : Annual Credit Report Request Service XXXX XXXXXXXX XXXX XXXX, GA XXXX I have already requested the free written credit report my certified mail on XXXX XX/XX/2021.
Product: Credit reporting or other personal consumer reports

Upon checking all three of my credit reports I noticed a few accounts XXXX XXXX opened XX/XX/XXXX, BridgecrestXXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX opened XX/XX/XXXX that are fraudulent that i never gave permission to run my credit. As well as inquiries from XXXX, XXXX XXXX, and XXXX XXXX XXXX. These things are unfair and voilating my credit laws according to the FCRA. I demand these items to be removed and deleted immediately.
Product: Credit reporting or other personal consumer reports

CREDIT REPORT FILE GENERATED ON XX/XX/2024 REPORT # XXXX PERSONAL INFORMATION PROVIDED ON THE CREDIT REPORT IS INACCURATE.
Product: Debt collection

I've received a response from Grant and Weber they stated " This left XXXX XXXX responsible for the deductible in the sum of {$1500.00} ''. So due to that response I am requesting a DEBT VALIDATION. This is a notice following the Fair Debt Collection Practices Act, 15 USC 1692g stating your response and claim is being disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made following the above named Title and section. I respectfully request your offices to provide me with efficient evidence that I have any legal obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several discrepancies with my credit report, due to inaccurate reporting that violates FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market to purhase a new home so I pulled a copy of my credit report and to my surprise found some errors. The errors are hurting my chance of buying a house for myself and my family any time soon. I found on google that I can request these item to be verified and receive a response within 30 days. Please help me out.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which resulted in fraudulent accounts being opened in my name after my wallet, containing my ID and Social Security card, was stolen. Additionally, my personal information was compromised due to the XXXX and XXXX data breaches, which likely contributed to the fraudulent activity. As a result, the following fraudulent accounts were reported on my credit file : XXXX. ) XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX. ) XXXX Account # XXXX I have provided an FTC Identity Theft Report and a police report verifying the fraud. Despite submitting a dispute to the credit bureaus under FCRA Section 605B ( 15 U.S. Code 1681c-2 ), these accounts have not been blocked from my credit file within the required four-day period.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in total disagreement with your investigation
response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies from this credit agency as well as XXXX XXXX XXXX XXXX  Account number # XXXX  are violation of several laws. 15 U.S.Code  1666b - Timing of payments (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. (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. Since this credit agency has stated they have verified that these late payments.
Problem with personal statement of dispute payments is validate this means they have the certified mail green label receipts to show the company 
has followed the law of 15 U.S. Code  1666b
- Timing of payments in order to report late payments on my credit report without this proof from the credit agency and reporting creditor these late payments are fraudulent and against the law to be on my report. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection AD, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the
CFPB, FTC and my state attorney general. As well as the following Please provide: 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 2. The date you contacted the individual furnishers information. 3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please do not deny my complaint by stating that I filed this by some other means than myself ( This is completed by me 100 % ) and that you can't confirm my identity because you continue to send letters to my home address and continue to add accounts to my credit report, so if you can't identify who I am as you have previously said then you are illegally adding false inaccurate accounts to my credit report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
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 Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.