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

I have a mortgage with XXXX. The account was on a forbearance during XXXX and once the forbearance ended I made a payment plan to get the account current. While on the payment plan they accidentally removed the credit suppression causing my current and paid as agreed account to report as 120 days late. XXXX agreed this was improper and removed it from all bureaus in XX/XX/2023. However in XX/XX/2023, with all payments on the plan remaining current, they reinserted the suppressed information once again causing me to appear 120 days late first appearing on XXXX XX/XX/2023. The account is fully caught up and all payments have been made as agreed in their proper time period.
Product: Credit card or prepaid card

I am writing to address your egregious lending practices, which are a clear violation of federal law. Referring to 15 USC 1602, I am now fully aware that I am the CREDITOR and that you have taken advantage of me as the fiduciary. Your actions have knowingly violated several lending practices, which is a blatant disregard for consumer rights. 
Under 15 USC 1611, I hold you criminally liable for your willful and knowing violations. You have knowingly deceived me on what was being requested and failed to disclose that you did not have proper documentation, and conducted deceptive practices. Your actions are completely unacceptable and will not be tolerated. 
You provided no insurance or documentation to waive, and failed to provide any information on educating consumers about their option to rescind. To make matters worse, you reported two account numbers to the credit bureaus, which is a clear violation of consumer protection laws. 
As a result of your deceptive practices, I will be exercising my rights under 15 USC 1691. Your actions have caused great stress on me and my family, XXXX XXXX XXXXXXXX and negatively impacting my livelihood and relationships. These effects have been documented with the Veteran Administration. 
In accordance with 15 USC 1681, I want to make it clear that you took advantage of me, deceived the IRS, conducted deceptive practices with the Credit Bureaus, and were NOT forefront with the CFPB. Your actions are not only illegal but also morally reprehensible. I demand that you take full responsibility for your actions and make restitution for the harm that you have caused me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment in XX/XX/2020 for XXXX XXXX. For unknown reason, my payment was declined. I discovered that my card was frozen. Eventually the freeze was lifted. 

I contact XXXX  XXXX to explain why the payment did not go through & was advised to reach out to the credit reporting agency. 

I put in a claim to dispute the late payment & my claim was denied. At the time of the complaint. I did not have supporting documents regarding my accounts being froze. I had to keep call XXXX XXXX  XXXX to get them to send me something in writing to support my claim. That document did not arrive until mid XXXX. The system wont allow me to dispute the late fee claims again
Product: Debt collection

I am listed as a reference person on this account. I have nothing to do with this account!! I have gotten phone calls for years, I tell each company the same thing, I am not responsible for this account, ( this is a relative, not XXXX of my children ) the calls stop for a little while then resume. I am very frustrated, any help would be greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion This is not associated with me and I have been fighting these since I found out. 
Disputed Inquiry : XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX  And the three major Bureaus, XXXX XXXX, XXXX, and Experian because I noticed inaccurate information on my report! I ask them to correct it and they said they did! Upon my own observation of my consumer report I noticed that the inaccurate information still remains! So I ask for an reinvestigation! And they look upon it again they told me that they didnt find anything inaccurate information and they not changing nothing! 

Upon my reinvestigation I still found the inaccurate items to be on my consumer report! 

And have file complaint to FTC
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Student loan

On XX/XX/XXXX Navient discharged my Private loans due to school misconduct under the FTC 's Holder Rule. The law allows me to receive a refund of payments made on the fraudulent loans. I sent a demand for refund letter to Navient on XX/XX/XXXX and have not received a response. I attended XXXX XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX. I have two XXXX XXXX Private loans issued through XXXX XXXX and transferred to Navient in XXXX. XXXX, XXXX XXXX XXXX, and Navient all engaged in deceptive, misleading, and fraudulent activity to entice me to take out these predatory private student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX Balance : {$84.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts and inquiries opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Diversified Consult Debt Collection {$500.00} for XXXX I asked the company before making the past due amount if this collection could get removed and deleted from credit and they told me they will also send me a documentation stating it will be deleted and removed but i called back on XX/XX/2019 to confirm the deletion and thats when they told me that the company doesn't do deletion.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Debt included in or discharged through Bankruptcy XXXX XXXX XXXX XXXX XXXX These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED XXXX ON MY CREDIT REPORT SEVERAL TIMES AND I JUST RECEIVED A RESPONSE FROM XXXX STATING THIS HAS BEEN VERIFIED WITH THE ORIGINAL CREDITOR YET THERE IS NO USAGE REPORTS, NO PROOF OF DELIVERY, AND I NEVER RECEIVED ANY SERVICES FROM XXXX XXXX XXXX. I JUST SEE A BILL BUT NO PROOF AND I AM ADAMANTLY DISPUTING. I CAN NOT PAY FOR SERVICES THAT I DID NOT RECEIVE AND WHEN I ASKED XXXX XXXX XXXX THEY STATE THAT THEY SEE THE PHONES WERE NOT ACTIVATED AND NOT USED. I NEVER RECEIVED ANY PHONES AND I CAN NOT PAY. I HAVE XXXX AND I HAD XXXX DURING THAT TIME FRAME. I WILL PAY IF THEY CAN PROVIDE YOU AND I MY SIGNATURE AND USEAGE. THIS IS THE INFO THAT THE COPS WOULD NEED TO PRESS CHARGES ON WHOMEVER GOT THESE PHONES IN MY NAME. I WANT THIS REMOVED OFF ALL OF MY CREDIT BUREAUS UNLESS A PROOF OF DELIVERY, SIGNATURE AND USEAGE IS PROVIDED. THEY CAN NOT EVEN PROVIDE ME A PHONE NUMBER FOR THESE SERVICES. I DONT THINK THIS IS RESOLVED BY JUST THE CREDITOR STATING THIS ALONE WITHOUT PROOF
Product: Mortgage

I refinanced my mortgage in XX/XX/XXXX with XXXX XXXX XXXX --, That CO. 
sold it to XXXX XXXX XXXX in XXXX who then sold it to Planet Home Lending in XXXX. The monthly payments were {$1700.00}. 
The {$1700.00} was increased by this co. Planet to {$1800.00}. When I enquired I was told by a person in the loan dept. ". XXXX " she would submit a copy of our phone conversation to the right dept and they would take care of it.. It turned out that ther was shortfall of {$340.00} I got another employee on a telephone conversation, " XXXX stated that the increase was due to a shortfall.I paid the shortfall with XXXX payment that evening which was {$2100.00}. hoping to take care of the shortfall and the mortgage payment foe XX/XX/2021. The XXXX mortgage payment had not returned to {$1700.00}. 
I also sent {$1000.00} to principal only, they ignored my request and placed the cashier 's cheque in some place called " other '' .I sent my usual payment and added {$790.00} which would be two payments in XXXX one to principal only and the other the regular mgt.fee. 
XXXX statement has arrived with no explanation of the extra payments I have been making. It still says {$1800.00}. What are my options. I need help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked is reporting in correct criminal judgements on me. None of them them were true to fact. I wasn't convicted of driving under the influence. I never plead guilty I never had a paraphenlaia charge. SOMEONE used my driver 's license to register their car and I kept getting arrested for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Medical Data System from my credit report. It is a medical bill and it has been violating my rights under HIPPA. They do not have my signed HIPPA authorization form stating that I gave them permission to report this to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus and have not received investigations results. By law they are required to delete inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Date Opened : XX/XX/2002 Balance : {$3000.00} and XXXX XXXX XXXX Date Opened:XXXX Balance : {$0.00}
Product: Credit reporting

I disputed a dismissed Chapter XXXX Bankruptcy ref # XXXX with XXXX and Experian credit reporting and they say they have verified and it remains on my credit report and I know they have not verified the dismissed bankruptcy nor will they provided me with the verification of where and how the information was verified and I would like for it to be removed off my credit reports. According to the the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief '' .Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. In Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report
Product: Debt collection

I have been contacted repeatedly by this company about a debt I do not owe, I believe it is a scam email and do not want to contact the sender, nor click on any links. The company name that is contacting me is LVNV Funding LLC, the email that is continuously contacting me is 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 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Student loan

XXXX sold my private loans to Mohela, took me off autopay, and resulted in me being past due for XXXX and XX/XX/year> and charged me late fees- but the biggest issue I have is that I lost out on student loan interest for those months! I had no idea about this sale until filing my taxes ( needed my 1098s ) and I went to XXXX 's landing page and saw a public message. 
They also charged me late fees! 
I paid the entire balance off today, but I want the fees removed, and I want compensated for the loss of interest credit. 
Mohela has federal loans for me and private loans. To date, I have had issues with the federal loans ( incorrect debitting of my account and being forced off of autopay ), and now my private loans where again I am forced off of autopay.
Product: Debt collection

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXX XXXXXXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively. 

ORIGINAL CREDITOR XXXX XXXX XXXX$450.00}
Product: Checking or savings account

I am writing to bring to your attention a concerning issue regarding a recent transaction involving my PNC Bank account. My name is XXXX XXXX, and on XX/XX/2024, I received a check issued by XXXX XXXX XXXX, which I promptly deposited into my PNC Bank account located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. 

Here are the relevant details : - My PNC Bank checking account number is XXXX, and the routing number is XXXX. 
- Although my account was originally opened in XXXX XXXX, New Jersey, both PNC Bank locations, including the XXXX in XXXX, Maryland, fall under PNC Bank , National Association - # XXXX. 
- The deposit was made from my current home address at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. 
- My Social Security XXXX is XXXX. 

Upon depositing the check, I specifically instructed the PNC Bank teller to stamp the back of the check as a deposit only. I refrained from signing the back to ensure compliance with all regulatory requirements for a consumer check deposit. Subsequently, I verified with PNC Bank that the funds were available for withdrawal, and they confirmed that the issuing bank, XXXX XXXX, had released the funds. 

Over the course of several days, I made purchases using the funds, which amounted to several XXXX dollars. However, on XX/XX/XXXX, my account was unexpectedly overdrawn by the exact amount of the check, {$4900.00}. When I contacted the PNC Bank fraud department, I was informed that the issuing bank had recalled the funds, and PNC Bank had initiated the withdrawal without notifying me. 

This situation has left me in a precarious financial position, as I now face difficulties meeting my upcoming financial obligations, including my mortgage, car payment, and other essential expenses due on XX/XX/XXXX. 

I strongly believe that PNC Bank 's actions in withdrawing the funds without prior notice or authorization are unjust and potentially illegal. I never agreed to a credit line of {$4900.00} overdraft, and PNC Bank 's failure to inform me of any issues with the check or potential risks has caused significant harm. 

Despite my appeals, PNC Bank has refused to credit my account and has directed me to address the matter with the issuing bank. I contend that, as the bank that posted and approved the funds, PNC Bank should bear the responsibility for rectifying this situation promptly. 

I kindly request your urgent intervention in resolving this matter and ensuring that PNC Bank adheres to legal procedures that protect consumers such as me. I am seeking the immediate return of the wrongfully withdrawn funds to my account totalling {$4900.00} that were in my personal domain at my account solely under my control. It is against my wishes and that PNC Bank acted illegally in this banking transaction.