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

I am writing to submit a comprehensive formal complaint against Equifax, XXXX, and XXXX, collectively for multiple violations of the Fair Credit Reporting Act ( FCRA ) and financial privacy laws. As a consumer, I have identified instances where each of these consumer reporting agencies has failed to uphold their responsibilities under the law, resulting in unauthorized and inaccurate reporting of my credit information and as a consumer, I have never given these credit reporting agencies any authorization or permission to report anything on my report ; they never even asked me to report anything on there in the first place. 

1. Unauthorized Furnishing of Information ( 15 USC 1681 section 604 a section 2 and 15 USC 6801 ) : Equifax, XXXX, and XXXX have consistently furnished my private information without my explicit written consent, a direct violation of 15 USC 1681 section 604 a section 2. According to 15 USC 6801, financial institutions, including consumer reporting agencies, must respect the privacy of their customers. The actions of these agencies have failed to meet these statutory obligations.

2. Inaccurate Reporting ( 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e ) : Equifax, XXXX, and XXXX 's reporting has been inaccurate, contravening 15 U.S. Code 1681s2 ( A ) ( 1 ) A, which prohibits the furnishing of information to consumer reporting agencies if there is knowledge or reasonable cause to believe the information is inaccurate. Additionally, consumer reporting agencies are required by 15 U.S. Code 1681e to maintain reasonable procedures to avoid violations of the FCRA, a duty they have not fulfilled. 

3. Adverse Item Reporting Without Consent ( 15 USC 1681C ( a ) ( 5 ) ) : Equifax, XXXX, and XXXX have reported adverse items without my explicit consent, violating 15 USC 1681C ( a ) ( 5 ), which restricts the inclusion of adverse information without the consumer 's permission.

4. Civil liability for willful noncompliance ( 15 U.S. Code 1681 ( n ) ) : I have submitted a complaint before to each credit reporting agency listed in this complaint so willful noncompliance can easily be proven as they had a full understanding of the violations after I complained the first time.
Product: Mortgage

XX/XX/XXXX was the last time I talked with my mortgage Servicer and requested an extension on my forbearance and if I could get any help with saving my home from going into foreclosure. The representative told be once my forbearance ends I will have to make my payment in full. XX/XX/XXXX will make exactly 1 year now in forbearance and when I called in XXXX they were able to approve my forbearance extension to XX/XX/XXXX. My Mortgage balance as of today is {$42000.00}. I am still impacted by XXXX because I am finding myself trying to catch up on all my bills while trying to work and raise my XXXX young children alone through COVID. They are home schooled and forces me to take time from work, which makes things more challenging. I want to clarify as of XX/XX/XXXX I was already behind on my mortgage trying to get help and because of that my mortgage Servicer will not help with deferring my total balance owed to the end of my mortgage. They are not willing to try and help me other than offering me a short sale or deed inLieu. I have no where to go and want to save my home. I am backed by a XXXX XXXX XXXX and was reading that as of XX/XX/XXXX its not required for me to pay my complete Forbearance balance in full and should qualify for a deferral but my mortgage Servicer is telling me otherwise. I am currently capable of starting to make my regular monthly mortgage payments but cant pay back the past due balance in full. My mortgage holder and Servicer is looking to foreclose on my home, its very obvious they dont want to help me. All I want is to place the balance owed to the end of the mortgage so I can continue making my regular monthly payments. Thank you.
Product: Mortgage

ON THIS DATE OF TUESDAY XX/XX/XXXX XXXX XXXX XXXX AM SUBMITTING THIS CRITICAL CHARGE AND COMPLAINT AGAINST RUSHMORE SERVICING FOR MORTGAGE DESCRIMINATION THESE ACTS OF ABUSE THAT THIS COMPANY HAS PRODUCED AGINST ME SINCE XX/XX/XXXX FOR THE FOLLOWING THE COMMUNICATION IS POOR RELATED TO A LANGUAGE BARRIOR IMPORTANT INFORMATION THAT I SENT IN TO SHOW PROOF OF OWENERSHIP VIA FAX AND EMAIL ESTIMATED OVER 200 PAGES OF DOCUMENTS THAT THIS COMPANY AND ITS UNPROFESSIONAL STAFF MEMBERS STATE THAT THEY DID NOT RECEIVE I THE MORTGAGE WAS ORIGINALLY WITH CHASE UNTIL THEY UNEXPECTLY SOLD IT TO RUSHMORE THIS COMPANY HAS PUT ME THREW EMOTIONALLY DISTRESS TROUBLY SLEEPING EXTREAM WORRING THE THREATS OF FOURCLOSURE AND DEMAND LETTERS I AM HAVING TROUBLE WORKING BECAUSE OF THIS AND THESE THREATS LAST YEAR THIS COMPANY SENT A GROUP OF UNKNOWN SUBJECTS TO MY ADRESS AND PUT MY FAMILY IN GREAT FEAR AND DANGER I HAD TO RUSH HOME AND LEAVE WORK EARLY FOR THE PROTECTION OF MY FAMILY EXTREAM POUNDING ON MY DOOR ONE OF THEM ATTEMPTED TO CLIMB THREW THE WINDOW UNTIL A FAMILY MEMBER WENT TO THE DOOR AND SHE SUSTAINED VERBAL ABUSE WHICH SHE HAS A MEDICAL CONDITION AND A OLDER XXXX XXXX THAT ALSO HAS A MEDICAL CONDITION I HAVE EVERYTHING ON CAMERA ON THE DATE OF XX/XX/XXXX OF THIS YEAR I WIRED FROM MY BANK XXXX DOLLARS TO THIS COMPANY RELATED TO THE PAYOFF WHICH WHAT WAS STATED TO ME THIS MONEY WAS TO PAY OFF THIS PROPERTY WHICH I OCCUPY JUST TO FIND OUT A FEW DAYS AGO UPON CALLING TO FIND OUT ABOUT THE PAYOFF LETTER I WAS INFORMEND THAT XXXX GOT SENT BACK TO MY ACCOUNT WITH OUT ANY FORMAL NOTIFICATION AND PRIOR TO THIS DATE OF XX/XX/XXXX I WAS LAID OFF OF WORK FOR ABOUT 5 MONTHS UNTIL RETURNING TO WORK XX/XX/XXXX OF THIS YEAR AND NOW THE FUNDS ARE EVAPORTAED DO TO BILL PAYMENT AUTOMATICALLY COMMING OUT OF MY ACCOUNT AND HAD LIMITED FUNDING FROM UNEMPLOYMENT AND NOW I AM BACKED UP XXXX AND IN FEAR THIS COMPANY HAS PUT ME AND MY FAMILY THREW TORTURE WATCHING MY LOVED ONES CRY IN FEAR AND WORRINING THE XXXX THE XXXX THE XXXX XXXX  BECAUSE OF THIS NEGLIAGENCE I AM BACKED UP UPON CALLING TO OBTAIN OTHER INFORMATION NOW THEY STATED THAT I OVER PAID I CONSOULED THIS EVIDENCE TO A LAYWER AND THEY STATED THAT THE CONCLUSION TO THAT WAS PRINCIPLE AND OTHER FEES WHERE FACTORED IN THAT I WAS UNAWARE OF I NEED JUSTICE I NEED THIS COMPANY TO BE CHARGED AND I NEED ANSWERS THIS IS A GENERATIONAL HOUSE FROM FAMILY TO FAMILY AND WATCHED SO MANY LOVED ONES PASS OVER THREW OUT THE YEARS I NEED HELP OF ANY KIND MY NAME IS XXXX XXXX I HOPE THIS COMPANY CAN SUPPLY THE COMPASSION SUPPORT AND EMPATHY THAT ME ANY MY FAMILY NEED AT THIS TIME GOD SPEED
Product: Credit reporting

I have received a few credit card applications in my XXXX year old 's name XX/XX/XXXX, what do I do? My purse was stolen from my vehicle XXXX including my and children 's social security cards. Nothing came of it until this. Help me with my next step please!
Product: Credit card

I purchased on XXXX 2013 with a promotion for24 months no interest I called to confirm and they advice on how to pay the minimum plusthe required additional money in order for me to pay it on the 24 months, I did that and alsowas reflected on the statements and after the 24 months they double my balance and toldme that have no record because their system is only for 12 months and could n't help me, Ihave all the records for the 24 months along with the promotional card and phone callrecords, I am XXXX years old and I do n't think is fair to be abused by a big company. 
I am only attaching the critical statements but I have all 24 months if you need them Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked to the credit report bureau verify the information in my credit report about the improper information with 4 accounts.

In according with the fair credit reporting act XXXX  4 accounts has violated my rights XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15  U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

With student loans restarting, I was supposed to receive an update on when my loans would be restarting, with at least XXXX weeks notice per MOHELA. I received noticed on XX/XX/23 for repayments that were due XX/XX/23, which is not a three weeks notice. Furthermore, the email I received was backdated to XX/XX/23 to make the three week threshold. I dont think billing statements are allowed to be backdated and it should not have taken over a week to send a simple email. I had no idea at what point in XXXX my payment would be due and barely XXXX weeks notice is not enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE INQUIRIES THAT I DID NOT AUTHORIZE. THESE INQUIRIES HAVE IMPACTED MY CREDIT SCORE AND IN THE PAST YEAR I HAVE WORKED VERY HARD TO GET MY SCORE WHERE IT IS AT.

UNAUTHORIZED CREDIT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( I ALREADY HAVE A XXXX XXXX CARD ) - XXXX XX/XX/XXXX XXXX I APPLIED AND WAS APPROVED FOR XXXX ON XX/XX/XXXX BUT THERE ARE 2 INQUIRIES ONE FOR XX/XX/XXXX WHICH WAS AUTHORIZED AND ONE ON XX/XX/XXXX WHICH WAS NOT AUTHORIZED ) - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2021
Product: Debt collection

This is a complaint against XXXX XXXX XXXX XXXX XXXX. I am victim of identity theft, I have no idea what this is. This was opened without my authorization, using my identity. This account used my social security without my knowledge of authorization meaning its fraud.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit revealing major flaws in the platform. Despite reporting issues with transactions I made through Zelle, neither the platform nor my bank took meaningful action to address my claims. I was told that recovering my funds or tracing the transactions was not possible. The CFPBs findings highlight Zelles failure to safeguard users, allowing scammers to repeatedly exploit the system and leaving customers unprotected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX OR XXXX XXXX XXXX XXXX SHOWS ME AS HAVING OPENED AN ACCOUNT WITH THEM IN XXXX OF XXXX. I HAVE BEEN FIGHTING WITH THE THREE CREDIT BUREAUS TO GET IT REMOVED AND THE PROTECT THE BUSINESS SAYING ITS MY ACCOUNT. I HAVE FOUND A GUY NAMED XXXX XXXX FROM XXXX XXXX XXXX IS FROM SHOWED UP ON XXXX XXXX XXXX SEARCHES FROM XXXX. XXXX XXXX DOB IS XXXX XX/XX/XXXX SOCIAL SECURITY NUMBER LAST FOUR ARE XXXX IRONICALLY THE SAME AS MINE. HE IS FROM XXXX TEXAS ZIP CODE XXXX AND LAST XXXX OF HIS DL IS XXXX. IT SAYS HE WASINVOLVED WITH XXXX XXXX BREACH WHICH OCCURRED XXXX OF XXXX IRONICALLY THE SAME TIME THE ACCOUNT WAS OPENED BUT THE THRE CREDIT COMPANIES AGAIN TAKE THE WORD OF THE BUSINESS INSTEAD OF TGE CONSUMER. XXXX PHONE NUMBER IS XXXX. AS MUCH AS I HAVE DISPUTED THIS WITH THE BIG THREE AND TGEM SIDING WITH THE COMPANY THIS SHOWS TGE CONSUMER HAS TO DO HIS ON RESEARCH TO PROVE THE TRUTH AND GET YOUR CREDIT REPORT COEANED UP.
Product: Credit reporting or other personal consumer reports

I've found again that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX Balance : {XXXX} XXXX XXXXL XXXX Balance {$XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX Balance : {XXXX}
Product: Credit reporting or other personal consumer reports

XXXX has not invested this fraudulently open XXXX XXXX account!!! They need to investigate the orginal address which this account was originally opened I never opened an XXXX XXXX account this is fraud!!! Please do your job and remove from my credit
Product: Credit card or prepaid card

I received my Georgia prepaid unemployment insurance Mastercard through XXXX and followed the directions to activate it both at the toll free number XXXX and online at XXXX. On the toll free number they told me that I have a XXXX balance. I tried every option they have on that number and was never able to get resolution or reach a live person. Now it tells me that the card number is invalid. I registered the card on the website and it never gave me a balance but it sent me a XXXX card that also has a XXXX  balance. I would like to get a Georgia UI card that works. It has been a month and I still have not gotten any money.
Product: Credit card or prepaid card

I have three store cards with Comenity Bank, Torrid, Ulta, XXXX. In XXXX, I received a debt consolidation loan, and paid them all off in full. This was XX/XX/XXXX. All the other credit card debts I paid off at the same time have been updated for quite a few weeks now. The only ones that haven't are the Comenity Bank accounts. I've checked the three accounts multiple times and they are all at {$0.00}, but they are not reporting this to XXXX. On top of this, they've been a nightmare to be a consumer for. High interest rates, random unrequested credit increases, servers being down and having to jump through hoops to pay bills, and always taking more time than any other credit company to take payments out of checking accounts. It's not logically to pay a bill on Friday morning, only to have the money taken out the following Wednesday or Thursday. This is all just bad business practices. I plan to never get another account with them as they seem predatory with how they behave as bank.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX XXXX Personal Information : Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Also Known As XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

I have for many months now provided the company with a physical address ( where mail is not delivered ) which is the location of where the vehicle is physically. In addition, I have provided repeatedly the mailing address for the company I provided this as far as XX/XX/year> ( as confirmed by US Bank agent # XXXX ) and yet US Bank has failed to respond or send the necessary paperwork to the DMV so I can complete the registration change from XXXX  to XXXX. It does not matter how many times or to how many people I speak to. There is simply a lack of action to update and send the necessary information to the DMV. I have been without registration for many months and unable to drive the vehichle. My next step is to stop payments to the company and seek the help of a government agency to retain my payments until the company comes through with their response to my repeated requests. I have received a ticket now for no registration which I hold US BANK responsible for due to their lack of servicing the loan.
Product: Credit reporting or other personal consumer reports

I sent detailed documentation to Equifax requesting the removal of all verifications for the accounts listed on my credit report. My request includes the removal of any accounts that are inaccurately reported, as well as any negative information associated with those accounts. 

If Equifax is unable to remove the verifications, I would like them to provide proper documentation that clearly demonstrates that I either owe the debts or previously had them resolved. Additionally, I request the removal of any hard inquiries associated with these accounts, as they can adversely affect my credit score. I expect a prompt response addressing my concerns and ensuring the accuracy of my credit report.
Product: Debt collection

This debt was written off, therefore the merchant received a credit for it and it makes me no longer responsible for it. It was sold to XXXX XXXX which is illegal and experian will not remove it from my report. The amount is $ XXXX would like a copy of the original contract with my signature. Full payment history from original creditor. Full name and address of address of original creditor.. I need proof that this has been assigned to them and that they own the debt. A collection is also not to be reported with a balance.
Product: Credit reporting or other personal consumer reports

I have previously filed a complaint to the XXXX bureaus regarding to the incorrect information on my credit report. They just ignored my complaint and no actions have been made.. If they continue continue ignoring my complaint I will file a case against them and demand a compensation because of the damaged they been caused in my life.
Product: Student loan

I have student loans through XXXX and have been paying on them up until the forbearance started. I was also enrolled in the public service loan forgiveness program however XXXX changes the status of the loan stopping my enrollment in the public service loan forgiveness program. I tried to fix the situation however was unable to start back in the program. Now I have to reapplying for the public serXXXX loan forgiveness program. XXXX has switched my loans over several times and remains unclear on if I have been excepted back in the program or what else needs to be done for me to get credit for the payments already made and if I they will count when I am back in the public service program I have been working in public services for over 18 years and feel that I have been steered in the wrong direction in the attempts to pay off my loans.
Product: Money transfer, virtual currency, or money service

I purchased a money order from Chase bank on XX/XX/year> to mail to a vendor for my mother 's XXXX birthday party. XXXX weeks passed and the vendor stated that they had not received the funds. I went to the Chase branch where I originally purchased the money order from and the branch XXXX ( XXXX XXXX ) tracked the money order and informed me that it was deposited into another Chase account. They provided me a copy of the money order and I immediately informed them that the money order had been altered. After some investigation by the branch manger he informed me that the money order had been " washed '' and altered. I provided the branch XXXX with a picture of the original money order I took before mailing it out and he determined that someone had removed the ink on the money order I sent and then deposited it into their own Chase account. 
I went through the necessary steps with Chase to get my funds refunded back to me ( filed a fraud claim, signed a Declaration of Unauthorized Endorsement form ) and have been calling and emailing Chase for XXXX XXXX XXXX. My funds still have not been returned to me and Chase has failed to contact me. They are giving me the run around and not taking responsibility for allowing someone to deposit an alerted money order. In addition they will not refund me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised in 2007 and there are numerous items on my credit report that were not created by me or have been satisfied. XXXX XXXX XXXX is stating I owe {$13000.00} but that account was not opened by me. Also XXXX XXXX is reporting that I owe approximately {$1400.00} and that debt was satisfied. There are also 3 additional accounts I have no knowledge of from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I would like these incorrect items removed from my report immediately as one has been satisfied and the rest coincide with the identity theft from 2007. I am an individual of integrity and satisfy my debts when I originate them. I have tried to get these items removed through the reporting companies with no success.
Product: Debt collection

I had a XXXX credit score for years and all of a sudden I see a collection report. This is unacceptable. How is it possible for the credit bureaus to add a collection and not inquire the consumer? The collection added hurt my credit score and is not justified! I disputed it with the credit bureaus and they replied within a few days. I was not provided with any supporting evidence. I dont owe the account. Please help.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub> 2024 I contacted Aidvantage about a false report of student loans. I was told that my student loans was paid off in full. I was apart of the XXXX XXXX XXXX lawsuit against XXXX University who was found to have made false student loan information to the federal government. The agent sent me the receipt and said they reported it to the credit bureau. Next thing I know department of defense takes over for aidvantage and reports I owed them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been looking for help for some time now with some accounts on my credit that I don't know anything about. I have reached out to the FTC and my local police department and I am doing this on my own behalf. It's sad that I can't even get approved for a house because of this. Again can you have these accounts removed and the inquires that I know nothing about. I have not ran my credit in a long time. inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX Here is the accounts : Bankruptcy : Dismissed XXXX ( I don't understand how someone can file a bankruptcy. I've spoke with the Bankruptcy Court and they told me there is not a bankruptcy in the courts under my social security number ), XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I don't know if you can help with my these address I know nothing about. 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with each credit reporting agency since XX/XX/2022. After a few letters and a phone call to each I have decided to file this complaint. A overload of hard inquiries not authorized by me need to be removed. At no time do the companies nor the credit reporting agencies have permission to list this on my consumer report. The real fraud are the companies and credit reporting agencies not following consumer laws and taking the power from the me as the consumer. There is a invalid Bankruptcy listed that is not authorized. The agencies are in full violation of the law and I demand they abide by the consumer law as I am the consumer.