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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 : that no consumer reporting agency may take 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 168s-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. 

Date Reported, Company, and Address XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Citi Bank partners with concerts that come up whereby you can purchase the concert tickets pre-sale if you have a Citi card. If you do not have a Citi card they direct you to an " Apply Now '' button which leads you to believe that if you are approved you will be able to then purchase the pre-sale tickets. Just to make sure I was n't mistaken on anything I went through the entire online process twice ... No where does Citi indicate that you will NOT be able to purchase the pre-sale tickets if you are approved until you receive their credit card which will take 7 to 10 business days. This in many instances is after the presale offer and then the entire transaction is moot if you have to purchase the tickets when they go on sale to the general public. I applied for the Citi card and delightfully I was approved. I searched and searched for a code or temporary credit card number so I could purchase the presale tickets. Much to my dismay ... I received nothing. I spent several hours on the phone with Citi to see if they could assist me through this process but the XXXX different people I spoke with could NOT help and said I must wait for the card in order to make the purchase. I believe that Citi should conspicuously display on the Apply section when trying to purchase presale tickets ... that IF YOU ARE APPROVED YOU WILL NOT BE ABLE TO BUY PRESALE TICKETS UNTIL YOUR CREDIT CARD ARRIVES WHICH WILL AT A MINIMUM TAKE 7 TO 10 BUSINESS DAYS. I feel this was very misleading and now I am unable to buy the tickets.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2021 I was the victim of identity theft and someone fraudulently applied for several credit cards using my credit info. When his was disovered all 3 credit agencies were notified and a security alert placed on my credit. 

On XX/XX/2021 someone once again tried to fraudulently use my credit to obtains an installment loan with a company called XXXX XXXX. The application was denied. 2 of the 3 credit agencies correctly identified this as fraudulent and it was not added to my credit. 

The 3rd agency, Equifax, added the fraudulent attempt to my credit as a hard inquiry that affects my credit. I filed a dispute with Equifax notifying them of the fraud and reminding them that this occurred before and that my account was under a security warning. Equifax has refused to remove the hard inquiry from my credit file. 

XXXX XXXX also has not responded to any communctions requesting that they notify the credit agency of the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of ED/Nelnet has placed the following charges on my credit report and have yet to send me any verification of a contract that I have with this company. I have the following amounts of debts that this company is assuming that I owe them ... {$1200.00}, {$1500.00}, {$1300.00}, {$1700.00} and {$690.00}
Product: Student loan

I am filing this claim because I recently learned that my college loans do not qualify for loan forgiveness. I have been paying down two federal loans to help me with my college debt since the XX/XX/XXXXs, both of which began being serviced by XXXX XXXX XXXX ( XXXX  ) in XX/XX/XXXX. Currently, I still owe over {$65000.00}. In all the time I have been making monthly loan payments to XXXX, and now through them to Navient, I was always led to believe, that is, told, that both loans, for which I continue to make one monthly payment, qualified for loan forgiveness in XX/XX/XXXX, as long as I held up my end of the agreement by making 120 payments over ten years, as required for loan forgiveness, beginning in XX/XX/XXXX. Representatives from neither XXXX nor Navient ever stated to me anything but that I was on the right path for loan forgiveness. Yet when I applied for loan forgiveness, having met all the other criteria, I was informed by XXXX XXXX of the Department of Education in XX/XX/XXXX, that my loans did NOT qualify, as they were not the right kind of federal loans ( XXXX XXXX XXXX Federal Direct Loan Program ). And that, after twelve years of payments to XXXX as well as the previous number of years to the other lenders I would now need to begin again with yet another 120 payments qualifying for loan forgiveness in XX/XX/XXXX, some thirty years after taking out these loans, and paying faithfully over the course of time. By now, I am familiar with a number of other loan recipients who are arguing much the same case. It was remarkable to read such testimony, in the way their travails mirror my own case. It was like reading my own words, time and again, describing my situation. Some alluded to a pattern of behavior on the part of Navient. Although that determination has not been, to my knowledge, adjudicated, as I state above, I was never informed by XXXX or Navient that my Federal Consolidation loans would not qualify for loan forgiveness and that I would need to reconsolidate my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my personal information to be compromised. I was able to verify I am a victim on their website. They also did not release news of their data breach for several months. In addition it sounds like there was some insider trading involved from senior leadership within Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Wells Fargo bank. My account was only for XXXX. I got behind on payments and they closed my account. I settled in XXXX and paid them. XXXX. My credit report showed this. But now on my credit report it says that they wrote off XXXX. That is false. I never had a credit card for that amount of money. They refuse to fix anything. How can I go from XXXX to XXXX, XXXX. 
This is messing up my credit even more. I need this to be fixed
Product: Credit reporting or other personal consumer reports

My social security number was leaked and someone opened multiple accounts under my name without my knowledge, I called the company and explained the circumstances, they said I could not talk to anyone about the account without having the account number ( which is the phone number used to open the account ) I did not have that as I did not open the accounts so they could not really do anything to help me, I asked them to flag those accounts as fraudulent as well as alerting my credit bureau but the results came in and the company reported the accounts as " Affected by natural or declared disaster '' which is faulty and disrespectful.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting an unverified Chapter XXXX bankruptcy since XX/XX/2016 with a reference number of XXXX. It shows as dismissed and never discharged. I checked with the North Georgia Bankruptcy Count where I live and they informed me that they do not share any information on bankruptcies and other public records with any credit reporting agencies. Therefore this bankruptcy information may have been acquired unethically without proper verification. 

I have disputed this items several times and it has been removed from XXXX  and XXXX  for inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not sign a contract with this company therefore they have no right to report on my credit. I have reached out to the company and asked them to discontinue reporting on my credit and they refused.
Product: Money transfer, virtual currency, or money service

I transferred {$50000.00} to a broker for an investment which turned out to be a scam.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to TransUnion 's continued failure to resolve fraudulent accounts and inquiries on my credit report, despite my repeated requests. I have attempted to resolve these issues XXXX times, and TransUnion, XXXX and XXXX has consistently failed to comply with federal regulations, including Section 609 ( a ) ( 1 ) ( A ) of the FCRA, 12 CFR 1006.34 ( b ) ( 5 ), FCRA Section 605B, and FCRA Section 1681e ( b ).

The fraudulent accounts and inquiries listed below were not authorized by me and are negatively affecting my credit profile. TransUnion is violating my rights under 15 U.S.C. 1681b, which governs permissible purposes for furnishing consumer reports, and under 15 U.S.C. 1681e ( b ), which mandates accuracy. 

I have listed all fraudulent entries in the attached documentation, including : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am requesting your immediate intervention to ensure TransUnion complies with federal laws and removes these fraudulent entries. If this issue is not addressed, I will be left with no choice but to file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hoping you can help me with my issues I am having with some creditors. I have a debt with both XXXX XXXX and Home depot. On XX/XX/2021 I called both companies to resolve my debt with them when they asked me for the last XXXX of my ssn ( XXXX ) I gave it to them. They told that wasnt my ssn. Well that odd because that it too my ssn. It confusing to me that both company do not have the right information. If they have the wrong information how can they be reporting to my credit?. They refuse to help me because of this mix up which is not my fault. I am at a lose as to what to do on this. I have attached my SSN card and Driver License to prove who I am.
Product: Checking or savings account

Some one opened up an checking account under my name and then got unemployment in my name.
Product: Student loan

On XX/XX/2023 I spoke to XXXX XXXX about the financial hardship on the interest. I received a bill dated XX/XX/2023 saying I still owe the interest. I called to find out why and I can not reach a supervisor.
Product: Mortgage

I was denied for a Home Retention Option due to the fact my investor does not participate in a loan modification program. XX/XX/2022, I was approved for a Trial Plan Modification. In the trial agreement it stated that I had the ability to Appeal the trial plan within the deadline. The reason I appealed the trial plan modification was because I felt there was financial information that was misunderstood that lead to a substantial increase in my payment. I spoke with a Mr. Cooper representative that advised that if we wanted our trial plan reviewed a second time to submit proper documentation and they would consider it and that the Trial Plan would not be compromised. They also stated that if my appeal was denied that we would be granted to opportunity to meet the initial trial plan offered. We went through the appeals process and Mr. Cooper acknowledged that it would take 30 days for the appeal review to be completed. XXXX XXXX XXXX we were advised that the appeal process was reviewed and that no changes were going to be made to the trial plan approval. I was also advised that the trial plan was removed before the appeal review was completed due to the fact that we did not make the trial payments even though we were told that we were not required to while in appeal review. The rep also stated that we should have been afforded the opportunity to make all trial payments but because it was already removed, that we simply just needed to re-apply. Without hesitation, we followed the representatives request to have the trial plan reactivated so that we can perform on the plan. Several submissions where sent to Mr. Coopers modification department to only be turned down over and over again with the most recent reason that my investor does not participate. 

I am not requesting nor do I need a reduction in my payment. I simply need an opportunity to retain my home. My financial information supports the ability to not only afford my current payment, but also an increased payment which would be clearly warranted and financially supported. I am requesting that the trial plan offered XX/XX/2022 is presented as we did everything that Mr. Cooper expected not realizing that exercising the right to appeal in the Trial Plan Approval would led me down a path to no opportunity to maintain my home. We were also impacted by COVID and despite advising of this, we were not granted or offered any relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to get my personal info corrected on  XXXX / XXXX /  XXXX   and  XXXX   XXXX  and have also called all   XXXX   of them on. Several occasions to get my personal information updated and inquiry 's removed. I keep getting the run around and they continue to report addresses that are not valid, work history that is invalid and continue to have more than one name associated with my account. Several of the inquiry 's are not valid and they tell me to call creditor ... .I sent creditors certified mail and they tell me they can not remove they credit bureau has to do it ... ..I am exhausted with the effort of trying to correct my reports from all  XXXX  major bureaus to no availe
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. XXXX. XXXX XXXX XXXX XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Checking or savings account

Bank of America is closing my account and they not providing me with any information And I been with the bank for a long time
Product: Checking or savings account

XXXX. I opened a Citi Checking account in XX/XX/2023 ( Email confirming account approval was received on XX/XX/2023 ). 
XXXX. I made an initial deposit of XXXX from my XXXX checking account on XX/XX/2023. 
XXXX. I made a withdraw of XXXX to my XXXX checking account on XX/XX/2023. 
( No other deposits or withdraws were made since account opening. ) XXXX. I received a letter on XX/XX/XXXX, saying that : " We have been unable to verify recent activity on your Citibank account. It is important that we confirm that all recent activity has been authorized, and we can only do this by speaking with you directly ''. 
The letter did not mention account closure. 

XXXX. On XX/XX/2023, I called the number provided in the letter ( XXXX ). I was asked to verify my recent activity on the phone. After a few minutes, the representative came back and informed me all my Citibank accounts will be closed, including my credit card account. They refused to provide any information regarding the reason for account closure. 

The representative on the phone did not speak English very well and was very rushy. They became impatient as I wanted to clarify what would happen next such as how to receive the remaining balances and what would happen to my other accounts. For the representative, it is just a few lines of disclosure text. For a customer, that means a significant disruption to their financial life and troubles ahead ( caused by money held by Citibank for an uncertain amount of time ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX continues to PARROT unverified inaccurate information on my CRs they maintain. On this date XXXX XX/XX/2018. XXXX   and Equifax updated my CR re-investigation as verified while these 2 letters sent to me by XXXXXXXX XXXX on XXXX XX/XX/2018 validates my point that XXXXXXXX XXXX   CAN NOT or WILL NOT provide CONTRACTS BEARING MY SIGNATURE obligating me to pay the debt and is requesting additional information from me. I HAVE NOT CONTACTED XXXXXXXX XXXX REQUESTING A FRAUD INVESTIGATION. XXXXXXXX XXXX is attempting obtain information from me to verify accounts that DONT belong to me. As of XXXX XX/XX/2018 XXXX   Equifax and XXXX continues to PARROT unverified inaccurate information from XXXXXXXX XXXX violating FCRA guidelines on fair reporting of consumers information. XXXX Equifax and XXXX has NOT sent requested information provided to their companies by XXXX XXXX that they use to continue verifying my CR.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXP - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have a payment plan set up with midland credit for an old XXXX  XXXX XXXX account I had. I set up a payment plan with them they emailed me on XX/XX/XXXX stating my next payment would come out on XXXX. Instead they removed the account offline so I can not continue to make payments on it even though they agreed to that amount. They keep threatening to take me to court which is why I set up the payment plan I did. I am a single mom on limited income due to covid and they should not honor a payment plan and then try to collect the debt in a different way.
Product: Payday loan, title loan, or personal loan

I took out a loan and the interest is at least {$300.00} bi weekly and it doesn't bring down our total at all. This is impossible to get out of, this should be illegal.
Product: Credit reporting or other personal consumer reports

As of today, I have not heard back from you. It has been 32 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of XXXX  by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you.
Product: Credit reporting or other personal consumer reports

I received a credit alert that XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX had been opened up under my name, and they appeared on my credit statement. I have not attended university since XXXX, and these loans do not belong to me. I have disputed the accounts with the XXXX major credit bureaus, however Transunion did not remove the accounts from my credit report. They believe the accounts are correct. I do not want these loans to be associated with me, since they are not mine. 

Either these loans were opened up under someone else 's name, but an error led them to be associated with me, or someone has my information and is using it to open up fraudulent loans, pretending to be me.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX 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: Payday loan, title loan, or personal loan

I have payed a total of XXXX already on a XXXX dollar loan and still owe another XXXX for some reason wasnt aware of all the extra fees and that only a small portion of the money went to the payment of the loan
Product: Credit card

Bank of America has two accounts under my personal information, one of {$1000.00} and over {$5000.00}. Someone is using my personal information to open credit cards and get a car loan. I have tried to do a dispute and they refuse to remove me. There is also a loan car under my credit that will also need to be reported
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX