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

I have asked for all the creditors that has falsely reported information on credit file to validate debts by providing proof of these alleged items, specifically the original application, contract, wet signature, other instrument bearing my signature and payment history. This agency is in violation of U.S.C. 1692g. They were to notify me of this in writing 5 days prior, and I was not. As the original creditor, only i can validate this debt, I do not validate this debt. Therefore the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of such accounts and a free copy of my report after the changes have been made will result in other actions being taken again this company. I am distressed that these such actions by this company has not only hindered me but defamed my character.
Product: Debt collection

This debt collector is falsely reporting the dates of this debt to the credit bureaus. They have reaged the account and need the original credit card debt information. This account should be at the statue of limitations but they have purposely changed the date to make the account look new when it is very old. I have tried to dispute this through the credit bureaus already without success to get the accurate information reported. Credit was opened in XXXX. I have emails with the date from that account.
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. 
XXXX XXXX XXXX Account number : XXXX, XXXX  XXXX XXXX XXXX. Account number : XXXX XXXX XXXX XXXX XXXX. Account number : XXXX XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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

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

On XX/XX/ I received a letter stating I was being placed in deferment for reentering school ( XXXX  ) part time. Because of this they are still charging me interest monthly but not taking any money out of my account which now means I owe more money than I owed before. There is no way to get out of this on the website and I tried to get a response from the company and have not. 

I also am getting charged more interest than what it says on the amortization schedule on their website. According to the schedule my first payment should have been XXXX towards interest and I was charged XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

This loan is part of a predatory lending scheme. Which allows loan companies to XXXX  Arizona interest rate laws. This loan company does not disclose this in writing that they are using another bank thus a high interest rate that is impossible to pay off.This company is currently violating the Truth in lending act and the XXXX XXXX XXXX XXXX reform and Consumer Protection Act. *Deceiving consumers about loan payments that were not owed. *Failing to disclose the real cost of credit The rent a bank scheme allows this company to continuously hide and evade Arizona law ( A.R.S 6-632,6-635 ) and prey on veterans, XXXX  and not other unsuspecting borrowers continuously trapping into a continuous cycle of debt. I do not owe this debt as this company needs to be investigating as a many lawsuits were previously filed.
Product: Payday loan, title loan, or personal loan

I think Wells Fargo is being picky in regards to offering it's products on personal loans/LoC. I have a very good credit score and have enough liquids but still Wells Fargo won't believe it and denied my application without any explanation. I think I am a vicitim of Disparate Treatment here.
Product: Student loan

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 : My academic records and personally identifiable information ( PII ). 
My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, 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. This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.
Product: Credit reporting

XXXX did unauthorized illegal credit checksExperian : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is the only one, well Equifax as well that is showing wrong information accounts that do not belong to me, that is why XXXX delated them. They are also letting 3rd party reports appear on my credit report, which according to the guide lines of the fair credit act is against the law. There are also soooo many inquiries that they won't remove. I have not one clue why they are there. I have spent 3 years trying to clean up the messes I found once I knew what to do. why on this earth would I apply for anything knowing I do not HAVE ANY CREDIT. the say they wan na help but XXXX. does what they want. I AM SICK AND TIRED OF THEM NOT ABIDING BY THE LAW AND GETTING AWAY WITH IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection showing on my credit report does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.aw to be reporting improper accounts on my credit report.
Product: Credit card

I lost my wallet and I noticed charges in many of my credit cards including Discover Credit Card. I called Discover and explained them the situation. They made a claim in my account, gave me provitional credit and then months after they took back the provitional credit they have given me. 
They sent me a new card number and I do not agree with their investigation because I have to replace all my credit cards and ID that was in my wallet. 

Transaction Date - XX/XX/XXXX  XXXX 's beach for XXXX XXXX XXXX  for XXXX XXXX XXXX for XXXX
Product: Debt collection

Credit account was created under my name for a company that I have never done business with XXXX XXXX XXXX ) using a fraudulent address in a city and state ( XXXX, NC ) that I have never resided in. Radius Global Solution is the company which is attempting to collect this fraudulent debt amounting to {$5500.00}. I was notified of this debt on XXXX.com on XX/XX/year> and never received any physical nor electronic mail at an address which I have currently nor previously resided nor an email account which I currently nor have ever used.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the
Product: Credit reporting or other personal consumer reports

Please see both attachments regarding late payments. I was never late and request that you correct with all credit bureaus.
Product: Credit card

This issue regards my dealings with Barclays regarding a XXXX credit card ( www.barclaycardus.com ). 

On XX/XX/XXXX, I received a notification from Barclays that someone had made XXXX redemption of miles on my credit card account. The XXXX redemptions ( XXXX for XXXX " Aeroplan Points '' and XXXX for XXXX " Aeroplan Points '' ) totaled XXXX miles, a {$1400.00} value. I did not make these redemptions myself and suspected they were fraudulent, so I sent Barclays a message via their web portal. Barclays responded on the same day stating that a case had been created and that their investigation would take XXXX billing cycles to complete. 

On XX/XX/XXXX, I called Barclays for an update. They had no record of the case that had been opened, so I explained my situation. The person I spoke with opened a new case and claimed I should receive a message or email within XXXX hours including a case number. I never received such a message. 

On XX/XX/XXXX, I received a letter from Barclays stating that they needed more information regarding my inquiry and that I should call customer service. 

On XX/XX/XXXX, I called Barclays customer service. I was told that the investigation had concluded and that I needed to speak with the security department to setup a password, and the reward miles could then be reimbursed. I was transferred to the security department, but the call was then dropped. I called back and was transferred to the security department once more. I successfully had them add a verbal password to my account. I then asked to confirm that the reward miles were now going to be reimbursed. The person I spoke with had no idea. They then checked the status of the investigation and saw that it was closed. They suggested I opened a new investigation and go through this entire process once more. 

Frustrated, I then asked them to downgrade my credit card to XXXX that doesn't charge an annual fee. They said that was not possible. I asked them to close my account. They put me on hold again, then asked me to hang up and call customer service again due to a " technical issue '' on their side. 

Barclays has demonstrated XXXX ) poor security in allowing someone to fraudulently redeem my reward miles, XXXX ) a lack of communication regarding case numbers and status, XXXX ) a failure to handle the fraudulent activity on my account in a timely manner, XXXX ) a failure to reimburse miles that I am owed, XXXX ) attempts to give me the run around by asking me to start a new investigation as well as asking me to start a new customer service call to close my account.
Product: Mortgage

Yes, I have contacted " Penny Mac Loan Servicing Center '', on numerous occasions and they still saying they can't find my check written on " XXXX XXXX check # XXXX for " XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX  Dollars. 
I'm requesting your assistance in resolving this matter, because the check was written for my " XXXX '' payments, with additional money to help with my escrow. My new mortgage payment is {$990.00} a month, which for " XXXX '', is {$1900.00} and the balance ( {$630.00} ) is to be applied to my escrow account. 

Here 's the name of my mortgage company, I am complaining about : Penny Mac Loan Financial Servicing / phone # XXXX XXXX Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX South Dakota XXXX XXXX Loan # XXXX
Product: Debt collection

Professional Service Bureau has repeatedly called me for the last several months. They have been notified fro the Minnesota Attorney General Office not to contact me. 
I answered the phone to them today and told them to stop calling me and that they had been notified by the Attorney General Office to not contact me. The woman on the phone told me they had not been notified. 
They were notified last XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I NEED THESE ACCOUNTS WITH INCORRECT INFORMATION THAT ARE NOT MINE TO BE DELETED
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due tXXXX XXXX XXXX XXXX XXXX  which falls under trafficking according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX Account number : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX *
Product: Checking or savings account

I am a victim of identity theft which began by my personal items being stolen from me. Once I noticed what was happening by a fraud alert I received from my credit report, I immediately reached out to the credit bureau and each bank account/credit card account that was compromised. I spoke with Bank of America and listed each charge that was unauthorized, I made them aware that my phone and wallet was stolen and I provided them with a police report, FTC report, and also a detailed letter including all information needed to help a thorough investigation. After only 2 days, my claim was denied and the reasoning wasnt fair or justly. I did not provide anyone with permission to use my account and I dont understand why I am liable for these charges.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report.

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim.

Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided.

I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue.

Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Prepaid card

XXXX Purchased a {$500.00} Visa Vanilla Card from Local XXXX Located in XXXX Oregon. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card never worked at multiple locations, group returned and i started the process to inquire why on XX/XX/XXXX, their response was that it was not activated at the store and to upload receipts and my matching identification. Emailed all requested documents XXXX and XXXX when I did not receive any update. Received email XXXX .saying card was reactivated but when checked the balance was XXXX Called back 3 times and told to wait 48hrs for a response, never happened. XXXX asked for supervisor was told case was escalated and wait another 48 hours. Called back XXXX and was told no change case was still escalated. Called XXXX told time had expired on the escalation and had to be reopened and told they would respond with a phone call, never happened. Called XXXX said there was no action asked for supervisor, call transferred and supervisor never picked up.
Product: Debt collection

The company processed an incomplete cease and desist by still using an indirect medium of communication with the consumer after being directed not to violating 15 U.S.C. 1692c ( c ). The company stated in the communication that the consumer owed a debt violating 15 U.S.C. 1692b ( 2 ). The company also used language and symbols in both the communication and envelope indicating that they are in the debt collection business violating 15 U.S.C. 1692b ( 5 ). This company has caused a great amount of harm to my reputation as a consumer directly violating 15 U.S.C.1692d ( 1 ). They also used language to abuse me as a consumer, along with causing my phone to ring numerous times and even gave the implication that nonpayment of the alleged debt will result in the seizure of my property. This action was a number of violations being 15 U.S.C. 1692d ( 2 ) ,1692d ( 5 ), and 1692e ( 4 ). They also reported credit information which is known to be false by the failure to communicate that the alleged debt is disputed violating 15 U.S.C. 1692e ( 8 ). This company has gave the consumer the false implication that the account has been turned over to innocent purchasers for value as well as compiling forms to create the false belief in the consumer that he is not the original creditor violating 15 U.S.C. 1692e ( 12 ) and 1692j ( a ).

It is a fact this company has civil liability for the violations committed against the consumer under 15 U.S.C. 1692k.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous times i have contacted trans union to dispute the mortgage companies on my report. XXXX  mortgage company and XXXX mortgage. They failed to provide me with any verification on these accounts. So at this point, they are going against the fair credit reporting act. I do not have a mortgage with these companies. I want this incorrect information deleted immediately. Because it is effecting what i need to do in the future. Please remove this.
Product: Student loan

I applied for debt forgiveness under the XXXX. I applied in spring of XXXX during the temporary waiver period. I clearly meet all the required criteria for forgiveness of my student loan : I've been employed by the same public service agency since XXXX and made monthly, on-time payments to my lender for my loan for over 15 years at the time of application. This should have been approved about 18 months ago, however I'm still waiting. To make matters worse, the customer service at MOHELA is often unfamiliar with the temporary waiver program that I applied to, so I need to educate them regarding my application process. Each call results in the same vague response regarding the application being in process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX-I am making payments to collection agency- {$2300.00} XXXX-I am making payments - $ XXXX XXXX-making payment to collection agency-XXXX XXXX XXXX  -making payment t collection agency-XXXX XXXX/XXXX-do not know what that is-XXXX XXXX/XXXX-I am paying-they went out of business
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. Please take the time and consideration to remove the late dates and negative remarks from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. Im never been late on my payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I want the late dates to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Ally bank has reported alleged late payments by the consumer, original creditor of an extended credit transaction and it has affected my character in a negative way and as the consumer original creditor on the consumer transaction this is a violation of the fair credit fdcpa and I want the negative information removed from any and all credit reporting agencies
Product: Credit card or prepaid card

A Chase Freedom credit card was opened in my name but misspelled slightly, they had my home address, card account was opened XX/XX/XXXX and I received a bill for the first time yesterday XX/XX/XXXX at my home. XXXX is {$770.00} I have called the bank and the account was closed and fraud has been reported to XXXX
Product: Credit card or prepaid card

XX/XX/2023 : Fraud alert placed on my credit card. 
Called the number listed and was asked to verify my phone number and secret word on the account. Both were matched. 
Then I was told my cell phone number could not be used to send out a code to verify my identity. 
I was then asked a barrage of personal questions, such as my maiden name, my mother 's maiden name, what other Citi accounts I have. 
They then asked me for another phone number or another person 's phone number to send a code to. I don't have another phone number and did not provide another person 's number to them. 
None of my answers worked, and none of that information was included in my application, so how would that be used to verify me? This in itself seems fraudulent. Where is that information being check against, and where is it now stored? 
Finally I was told I would have to wait for 5 to 10 days to receive a letter in the mail with a code and instructions to unlock my card. 
XX/XX/2023 : Made another call to see if I could get this resolved. The exact same process began again. Once she told me she could not send the text message, and started to ask for other personal information, I told her I was done with the call. 
I have since done an online search and found that there are hundreds of people going through this and it has been happening for a very long time. 
This is an unethical practice and in no way in the best interest of me and others as the customer.
Product: Credit reporting or other personal consumer reports

I am not associated with these inquiries or the mentioned creditors.