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

I have reached out to XXXX, Equifax, and XXXX numerous times in regards to the blatant of inaccuracies listed on my report by the following institutions XXXX XXXX XXXX XXXX and XXXX XXXX. Both of these institutions have reported on my credit report that I was late on payments : XXXX XXXX XXXX XXXX reported that I was late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. Most of these instances happened during the pandemic which I requested that XXXX defer these payments while I was experiencing financial hardship as a direct result of the pandemic. In XXXX, I requested deferments timely due to experiencing financial hardship. All of these times, I reached out to XXXX and requested deferments timely and was told that these deferment requests would not cause them to report to the credit bureaus that I was late. Considering XXXX, did not follow those statements made on a recorded line, I requested all documents as it relates to those requests as required by law. XXXX never responsed to my requests or completed an investigation. All credit bureaus never responded to my requests for results of their investigation via mail. Being that they never completed a thermal investigation, XXXX, reported that I was late in XXXX up and till XXXX. When I requested for the account to be close numerous times by phone and mail. The requests was made XXXX for XXXX XXXX to close the account. I requested that a final bill/statement be sent to me so I can make prompt payment. No final bill was received to which finger hut reported me late. I have requested all the credit bureaus to investigate this dispute. They have failed to provide any results of the investigations or responses that XXXX may have made to justify them for reporting me late. None of the bureaus fulfilled their duty as required by law.
Product: Credit reporting or other personal consumer reports

This is in reference to complaint XXXX. 

I have submitted more documents in connection to the complaint that has been filed against Equifax on XX/XX/2023 regarding inquiries reported to my profile. XXXX Refer to prior complaint made on this same day XXXX
Product: Prepaid card

I have a paypower prepaid card. I loaded more than {$3000.00} on the card. Now they hold my money and I can not use my card. I emailed the customer service and was told that they can not locate my account. 

I called the company and was informed someone will contact me. 

I never heard back from them. 

However, they kept charging my account after cancellation ( whatever you name it ). The latest Maintenance Fee was charged on XXXX/XXXX/2015. 

This company is just a scam. 

Please help.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXX/XX/XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXX/XX/XXXXXXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than rXX/XX/XXXX which antedates the report by more than XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXXA 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

I currently have over {$100000.00} in federal student loans. Prior to XX/XX/XXXX or XX/XX/XXXX, three of my six loans were already in the SAVE program ( I assume this is because I had previously applied on studentloans.gov ), whereas the other three were inexplicably still in a standard repayment plan. Payments were regularly posted and due, and the SAVE plan worked as it was designed to do by eliminating the interest accrued upon making my monthly payments for those three loans. 

Sometime in XX/XX/XXXX or early XXXX of XXXX, I applied for the SAVE program on NelNet for all six of my student loans. This was seemingly approved ( I certainly qualify for SAVE ), but Nelnet placed all six of my loans in a payment forbearance. 

Now, Nelnet refuses to restart my monthly payments until XX/XX/XXXX. Because I can not make monthly payments under the SAVE program, interest is accruing on my student loans. This will cost me several thousands of dollars. I have contacted and called Nelnet. They told me nothing could be done. I asked where the XX/XX/XXXX date came from, and they gave a vague answer. I asked why the three loans that were already in SAVE had to be affected by this, and they stated that all loans had to go into forbearance together. 
They are deliberately avoiding entering the SAVE program and costing consumers thousands of dollars.
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 TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 6 ) i have attached copies of my id
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th attempt that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/2018 XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/201XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

When I applied " U.S. Bank Altitude Reserve Visa Infinite Card '', there was promotion : spend $ XXXX, get XXXX bonus points. But after I meet the requirement, I was told I will not have XXXX bonus since I had this card before. I did have this card before ( several years ago- I guess ), but when I applied the new one, it didn't say ( in the small letters ) I will not get bonus if I had the same card before. So I should have the XXXX bonus Thanks
Product: Credit reporting or other personal consumer reports

HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Reporting Transaction history is illegal. 
16 CFR 313.7, 16 CFR 433.2, 16 CFR 433.3, 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. They need my written consent to add anything to my consumer report & I did not give this authorization, that is a violation of the Fair Credit Reporting Act. This is also a violation under The Privacy Act of 1974. 

15 U.S. Code 1681n - Civil liability for willful noncompliance In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

15 U.S. Code 1681o - Civil liability for negligent noncompliance In general, Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure. 
Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures Privacy Act of 1974.
Product: Prepaid card

Here is what happened. : I had been paid by EDD {$1800.00}. On XX/XX/XXXX I requested a transfer into my personal checking through my mobile app. I inputted my banks routing # XXXX and acct XXXX XXXXXXXX. It said it would take 2-3 business days to receive those funds. On XX/XX/XXXX I checked my account and no funds had been received. I checked my money network account and realized the account # I typed was incorrect. I basically typed the 1st number wrong. I did a dispute on the XXXX with the money network dispute department and filed it. That dispute was denied and I do not know for what reason. I have checked with my bank through phone and in person and they have verbally confirmed that the original account # I inputted does not exist. There is nothing in writing they can provide to prove that either. They said that the money network should eventually receive those funds back as that account does not exist and even if existed if the name is not matching from the original transfer then it would be denied. I have been calling back and forth the money network and checking back and forth the status of my bank account and nothing. I am trying to resolve this in a very timely manner. This back and forth battle with the money network has been going on for almost a month. I have done everything in my part to help my case and show that there is money missing that is not being released to me. I have given up on calling because i always talk to a customer service rep and when i ask to talk to a higher level person, they transfer me to escalations and all they do is basically tell me that XXXX received my money and thewy wont release the information on how they came about that decision.
Product: Mortgage

XX/XX/19 you helped us before and you won for us now the mortgage company is playing games again! we got them to take our side and give us the modification it was due by XX/XX/2019 signed by my husband we had it notarized by our bank and was sent back! didnt hear back from sls so i called them and the modification said it was denied!!!! i asked why and he said because the nortary forgot to sign a line he said it happens all the time so if i didnt call sls we would have never known! so they emailed a new package to be signed again by a notary we did that and sent it over night like we were told to do! we have the tracking number so they couldnt play games! sls said they recieved it on XX/XX/19 and it will be esculated and to go ahead and start making your new payment! we didnt make the payment for a couple of days my husband wanted me to call back and see if everything is okay still thank god i did because now there saying it was a faxed copy not the email one which is a lie because we sent it over night and have the tracking nukmber we are getting differrent stories from different people please help us we just want our modification signed and stamped by sls so we can get on with our payments and not be scared thank you XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING ISSUES GETTING MY DISPUTE PROCESSED
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was robbed at XXXX XXXX XXXXXXXX XXXX hiking in XXXX XXXX, XXXX. My cross body was sliced from my chest after being XXXXXXXX XXXX  knocked down by a large male who did not speak any XXXX. In that cross body, contained my XXXX  ( which had my Wells Fargo app downloaded onto it as well as email app ), drivers license, cash, debit, and credit card. My bank was notified immediately after the event, on XX/XX/XXXX that I had been robbed at XXXX and my debit card that was stolen was cancelled. 

On XX/XX/XXXX, I received a suspicious email from Wells Fargo saying that face ID had been enabled. This was not me. I did not authorize this. Then I got a code via email to verify my identity. This was not authorized or initiated by me. Next thing I know, a new recipient was added to my XXXX account ( my XXXX interface is built into my Wells Fargo app ). I did not authorize this, and I have never met or heard of the name of the the XXXX recipient. Next thing I know, the entirety of my checking and savings account was XXXX  in the form of 3 separate payments to this individual. I did not authorize, nor did I send any of this money. Immediately following I called and filed a fraud claim. Since filing that claim, it has been denied, as well as denied again during every attempt I have made to appeal it. I have repeatedly been hung up on and they refuse to discuss why my claim keeps getting denied. I have also filed an FTC ( Federal Trade Commission ) claim. 

Atached you will find the police report I filed in XXXX in the following days after the incident as well as the suspicious email alerts I received from Wells Fargo regarding the XXXX transactions that were not authorized or done by me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports I noticed hard inquiries that I did not make nor did I approve anyone to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts and inquiries that are inaccurate and need to be removed off of from my report asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute certified usps, which Equifax states that the dispute was started XX/XX/2021. Currently their website still states that the dispute is in process but it should have been completed by XX/XX/2021. Per the FCRA, their reinvestigation should have been completed within 30 days.
Product: Student loan

In XXXX I believe that Sallie Mae mad an error and duplicated my principle on my student loan. I have not been able to resolve and all they do is place in forberance and charge fees and accrued interest and my loan has gone from $ XXXX to $ XXXX. Most of the forbearance has not been authorized by me. They just do it. 

Can you help?
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and its showing unauthorized, and unverified inquiries according to the FCRA I am due fair credit reporting. I will list the inquiries below as well as the bureaus I need them removed immediately. XXXX : XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Loan forgiveness. Interest is reported as balance increase butchering my score EVERY month! Ive called every year and told it would be resolved and it hasnt.
Product: Mortgage

Pennymac is currently reporting my mortgage account as past due over 120 days. 
Prior, I was in their forbearance program until XX/XX/2020 when I went into their modification program. I have been making payments outlined in Pennymac 's agreement and have not been late to date. 
Under the CARES ACT and CFPB instruction/interpretation of the CARES ACT, Pennymac is in direct violation of the credit reporting guidelines by reporting my current status as delinquent and late. 
I have addressed this issue with the company. Past reporting was fixed to reflect Covid relief, but current status is not accurate under the law.
Product: Debt collection

matter of utmost urgency and concern regarding the recent repossession of my vehicle, XXXX XXXX, which took place on XX/XX/XXXX at XXXX XXXX XXXX As per our previous correspondence and in adherence to the legal process, I had informed Global Lending Services to cease and desist all repossession attempts on the mentioned vehicle. This notification was in line with the XXXX proceedings that I am currently undergoing, and it was intended to ensure compliance with the legal framework governing such matters. 

Despite the explicit communication to cease all actions related to the vehicle, it has come to my attention that an unauthorized repossession occurred. This incident is a direct violation of the XXXX process and my rights as a debtor. 

I must emphasize that my ongoing XXXX proceedings require strict adherence to legal protocols, and any actions taken without due consideration of this process are not only unlawful but also jeopardize the integrity of the XXXX  proceedings. 

I am requesting an immediate investigation into this matter to ascertain how such a breach of protocol occurred. Additionally, I expect the prompt return of my vehicle to its rightful owner, as its repossession was not only unauthorized but also in clear violation of the bankruptcy laws and regulations.
Product: Credit reporting or other personal consumer reports

I review my credit report and found this inquiry from XXXX XXXX and this is not made by me, inquiry date XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX  XXXX XXXX. XXXX
Product: Debt collection

A dispute was done against this company recently about an alleged debt and trying to collect on the debt. According to state and federal law a company has to be licensed in the State of Louisiana to collect any debt or alleged debt. Firstpoint Collection Resources , Inc is not licensed in the state of Louisiana.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 


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
Product: Credit reporting or other personal consumer reports

I filed a request with XXXX for an extended credit freeze due to being a victim of fraud and/or identify theft. XXXX processed and granted the request for an extended credit freeze. It is my understanding the other two credit bureaus would be contacted and put into place an extended freeze. Upon reviewing my file, TransUnion and XXXX have not put into place an extended credit freeze. 

I did my part and the system did not work as expected- Please help me ensure the other two credit bureaus do their part under the law / regulation and place an extended credit freeze under all bureaus.