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

It's my understanding that I may get weekly credit reports using XXXX. Otherwise, Equifax, XXXX, and XXXX will only update once a month, if I'm lucky. I know that several items have been removed from my report and/or disputes have been resolved. I do not know, however, what the results of these disputes are nor have my online credit reports changed at all from XX/XX/2020. When I try to get these reports via internet or by phone, all 3 agencies are now stating that they can not give me this information. Equifax, the worst of all, claims that they have no such person in their database matching my name, SS #, and address. They are just lying. I was found quickly enough last year when I was found to be a member of the Class Action that was filed against Equifax for the release of my information. XXXX XXXX 's excuse is that since I have an ongoing dispute, I can't see my credit report, including, but not limited to, the results of prior disputes filed. I have been very aggressive in going after these fictitious accounts lately, after spending the past few years having my XXXX XXXX  and trying to recover. I believe during this period of time is when all this false information was added to my reports. The credit agencies seem to suddenly be either ignoring me or trying to avoid me. Neither will work.
Product: Credit reporting or other personal consumer reports

RE : NOTICE OF VIOLATION UNDER 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FOR UNAUTHORIZED REPORTING To Whom It May Concern, Upon reviewing my recent credit report, I have discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) by your agency. Specifically, these violations pertain to the unauthorized furnishing of reports in connection with credit or insurance transactions that were not initiated by me, as outlined under 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). This section of the FCRA mandates that a consumer reporting agency may only furnish a report in connection with credit or insurance transactions that were not initiated by the consumer if the consumer has authorized the agency to do so or if the transaction involves a firm offer of credit or insurance. Moreover, the FCRA stipulates that inquiries regarding credit or insurance transactions that are not initiated by the consumer must not be disclosed to any party, except under specific conditions outlined in Section 1681g ( a ) ( 5 ). I am demanding the immediate removal of the disputed items from my credit report as required under 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). The items in question are listed below : XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report.
Product: Credit reporting or other personal consumer reports

Called and requested to take a better look and please delete it someone is using my information We will look into it Weeks later called back and said to go another route to getting it off my credit Reached out to IRS and received a PIN yearly!! 
Reached out to identity theft and working on freezing my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 6+ more
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account is incomplete and not mine. I'm ever sure who the creditor is maybe as it's not displayed but impacting my score. Also, if they believe this is my account, please validation of debt. Account # XXXX Here is the Second account listed as XXXX, but when I looked up the address it shows up as XXXX XXXX XXXX XXXX   for Account # XXXX. please provide validation of debt for this account as I'm familiar with it. 

I sent a certified letter to XXXX XXXX XXXX  XXXX requesting Validation of Debt as well.
Product: Debt collection

They call daily and say I owe a debt, but can't exactly tell me the name of the company as they say it's been sold to them so it would be a different name. 
they called my previous employer as well. They use many different phone numbers but most say Convergent. I have paid many 3rd party debt collectors so I do not owe anyone at this time. They call non stop all day- they have also called my mother and son looking for me and saying I'm in legal trouble if I don't call back asap/ Threaten me to the point I don't answer anymore. Some numbers they call from are XXXX XXXX XXXX. They are violating so many of my rights and even calling my previous employers to let them know to reach out to me as I'm in big legal trouble. 

XXXX XXXX XXXX XXXX XXXX cell
Product: Debt collection

applied for student housing, was tentatively approved, then i was told in order to official be approved i needed a co-signer, which i was able to provided. So my application was not approved.I contact the leasing office and was told they did things the incorrect was in the past. I have the email explaining denial for no co-signer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- After looking at my bank statements in details. For months ( maybe years ) I have been charged {$17.00} by Equifax for a service I never signed up. I know I asked for my credit score and report but never signed up for any recurring charge. I know I have it on my statements for at least 1 year and even before that charged around the XXXX of every month. I am so upset because I never signed up for this and I never even logged in to Equifax or anything to sign up for this. This is theft by deception.
Product: Student loan

I did not want to attend XXXX University Online. I withdrew before the deadline because I knew the program wasn't right for me and they still call me about the aid they tricked me into for their one week of classes I did not even attend online. They are crooks. As far as I am concerned I don't owe them anything since I am on Nelnet 's XXXX  Discharge program for forgiveness of my student loans..
Product: Credit reporting or other personal consumer reports

I just recently reviewed my credit report on XX/XX/XXXX, and noticed some late payments for ( Acct # XXXX XXXX XXXX ) that were supposed to be on-time during the Pandemic. However, the creditor and I spoke and agreed that I was eligible for a loan modification, and we began to execute the modification in XX/XX/XXXX. After working tirelessly through multiple disputes to Transunion and phone calls to rectify the inaccurate reporting, I wrote a letter to the CEO, XXXX and called again to inform the lender of the below reporting act but the problem still has not been rectified ( Letter enclosed ). 

SEC. 4021. Credit Protection during XXXX. Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING XXXX PANDEMIC ( I ) ACCOMMODATION.The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. 

REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall - report the credit obligation or account as current ; or if the credit obligation or account was delinquent before the accommodation - maintain the delinquent status during the period in which the accommodation is in effect ; and- if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody keep going online trying to get credit cards in my name and now I have  XXXX  new inquiries that I did not authorize and need to get these  XXXX  inquiries removed. The new ones that was just added is  XXXX   XXXX   XXXX / XXXX / 2017  &  XXXX   XXXX   XXXX / XXXX / 2017 .
Product: Credit card or prepaid card

I had a fraudulent charge of {$190.00} from XXXX XXXX applied to my account sometime early last year. I immediately called Barclay 's, canceled the credit card and filed a fraud claim with the company. Barclay 's then proceeded to apply a number of charges for {$190.00} to my account and a number of credits to my account, and still continued to charge me the {$190.00}. They claim that they mistakenly credited an extra {$190.00}. I told them if they added up all my purchases and deducted all my payments they would see I paid the extra {$190.00}. They have yet to do that. The last person I spoke with told me she would send me Barclay 's position on this issue in writing, but they have yet to send me anything in writing. In the meantime, Barclay 's contacted the credit rating bureaus and destroyed my credit. I have always prided myself in having excellent credit, yet they destroyed it due to an error on THEIR part. Can you tell me, do I have any recourse against Barclay bank besides filing a complaint with your office? Any assistance would be greatly appreciated. They caused my credit score to drop almost 100 points all because of a mistake they made. Thank you in advance for any help you can provide.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft, which fraudulent activity has been reporting to my TransUnion Credit File/Report. I have filed an FTC and Affidavit and have my Police Report to remove these fraudulent items from my credit report. In addition, I have overnighted the same information, which takes a long time for someone to get my complaint and process it, which I am filing this complaint. Also, TransUnion is violating HJR 192 of 1933, 15 U.S.C. 1681b, and 18 U.S.C. 1028A, which my next steps is to seek litigation of damages of {$1000.00} per occurrence. There is XXXX fraudulent account and XXXX fraudulent Inquiries on my credit report, which needs to be removed effectively immediately. I am filing this complaint because TransUnion is always receiving and processing my paperwork late or not even processing it at all and is always an issues relating to removing items via certified mail, which I heard people in similar situations saying the same thing. Therefore, I am submitting a complaint and asking TransUnion to remove all fraudulent items from my credit file, based on my documentation uploaded through CFPB. The fraudulent account is : XXXX XXXX XXXXXXXX XXXX- Date Opened : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX- Date Opened : XX/XX/XXXX. XXXX Fraudulent Inquiries, which Include : TransUnion, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX.
Product: Checking or savings account

Bank of America allowed the Arizona Department of Economic Security to close and remove funds from that acc, no prior notice was given to me but a notice the day they closed account When I called Bank of America regarding this issue they referred me to call AZDES
Product: Student loan

When I started paying my student loan payments 8 years ago after   XXXX   school, I asked them repeatedly about the   XXXX   loan forgiveness program. I knew that I worked at a   XXXX   XXXX   XXXX   XXXX   and that after 10 years, my loans could be forgiven. Ive spoken to someone a t Navient every year since then, multiple times. It was n't until this year that someone notified me that I had to be on an Income Ba sed repayment plan for this to occur. So, despite the fact that I had asked them about the best way to set myself up for this loan forgiveness program, no one ever told me it had to be income based repayment plans. So now, I have to start all over in repaying 10 years of payments. It seems crooked and shady and my loans are not even going down. It feels like they just ripped me off to get more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the suspicion of someone else probably using my SSN I am disputing unrecognized, unauthorized or inquiries that I do not remember applying for. 
Disputes ; XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my credit card company sent me an email saying that new credit cards were mailed per my request. I called them and said that I never ordered new cards. They cancelled the credit card number and no fraudulent charges were made. They issued a new card to me and instructed me to file a police report. The police department instructed me to file a fraud alert. Unbeknownst to me this fraud alert would prevent me from getting a mortgage that I had applied for. I called all 3 credit bureaus to remove the credit freezes on my accounts and remove the fraud alert. This required hours upon hours on the phone and faxing confidential information trying to resolve the issue. I had to continue to work with only one mortgage company and was not able to shop for a better interest rate. They were finally able to get two credit scores and the mortgage went through, albeit at almost .50 % higher than prevailing interest rates. On XX/XX/2019 I received a letter from XXXX. I am a college educated professional with XXXX years in the XXXX XXXX industry but I am not able to discern what the letter is telling me. There is no phone number on the letter so there is no way to call them to ask questions. I tried their website for help and had no luck. I tried various toll free numbers from the internet. None of them were helpful and it was impossible to reach a live representative. I can't even mail something to them because I don't know what they their letter means so I don't know what to mail them. A couple of weeks ago I had a similar experience with Equifax. Although I was able to speak to a representative they said they could only remove the fraud alert if I mailed in a letter, because I don't have access to a fax machine, with a copy of my social security card and driver 's licence. I am reluctant to do that because it is possible that this information can get lost or stolen. It is unconscionable that the credit bureaus are able to hold the public hostage in this manner. I am at my wits end.
Product: Mortgage

My loan was recently transferred to MR. Cooper from XXXX. There was no communication from Cooper. I know it takes time to transfer so I waited until the XXXX to try to access my account ( no website info was provided ), but couldn't create an online account. I attempted to call Mr. Cooper but no one would answer the phone, only a computer. I need to speak to a person in regards to not having access. After going around in circles with the computer, I had to call my old loan officer who informed me there is a delay in the transfer. 

So I finally received emails from Cooper yesterday and have online access. They also said they received my payment on the XXXX but it is now the XXXX and there are no pending transactions from my bank account. I attempted to call again, and same computer dance. This is unacceptable. I should be able to talk a person in regards to an issue. The computer can only take payments and give account info, not fix issues or answer inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX is incorrectly collecting debt of {$69.00} for XXXX Account XXXX. All XXXX equipment was returned to XXXX and no bill was owed to XXXX as per my telephone calls to and from XXXX. But XXXX and XXXX. XXXX XXXX refuses to remove this account from my XXXX, Transunion, and XXXX credit reports. I do not owe XXXX or XXXX. XXXX XXXX {$69.00} because the service with XXXX  was cancelled and all equipment were returned. 

Remove XXXX. XXXX XXXX. XXXX Account XXXX for {$69.00} from my XXXX, Transunion, and XXXX credit reports. 

I will report XXXX. XXXX XXXX and XXXX to the FTC and FCC for fraudulent debt collection after equipment was returned and service was cancelled.
Product: Vehicle loan or lease

After a while the payments became harder and harder to make. It got to the point that things where not adding up and it was costing more to fix the car all the time then be able to use it. I was charged for things that were not wrong with the car at the dealership. Then after I lost my job I returned the car to the dealership. I was not informed and was not told what happened to the car from either the dealership or XXXX and XXXX the lending company. Just that it was a written off as a charge off.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



XXXX. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call from Roach & Murtha on 2 occasions. The 1st call was sometime in XXXX and the second call was on XX/XX/XXXX at XXXX est. The reps name was XXXX. In XXXX I noticed he failed to read the XXXX XXXX and verify my information and just started disclosing my personal info without know who he was talking to. He just assumed it was me. I did not pursue the XXXX violation because I owe the money and I did not mind paying it. On XX/XX/XXXX at XXXX est. XXXX XXXX collector did the exact same violation. He failed to read the XXXX XXXXXXXX, he failed to XXXX who I was and he opened up the conversation saying " XXXX this is XXXX from XXXX and XXXX, when are you going to make the payment. I responded and said I have a 10 day grace I will pay in the next couple of days. '' I ask " Hey XXXX your company does not verify information or disclose the XXXX XXXX '' He responded verbatim " We only XXXX  XXXX on the XXXX contact '' which is a violation of the FDCPA. The XXXX XXXX must be read on every attempt to collect a debt. XXXX XXXX failed to disclose on both Contacts. He did not ask for my address last 4 of the social and basically was in violation of the 3rd party disclosure as well. He had no way of know who I was if he failed to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX.I was a victim of identity theft a few years ago.I have been trying, unsuccessfully to remove this account from my credit report .I uploaded all my docs and proof for you to see .so u can see some one open an account with XXXX XXXX  XXXX XXXX XX/XX/2019 over XXXX was done under my name with out my permission identity thieft I have try with XXXX and XXXX XXXX but XXXX XXXX  is not in charge of account Jefferson capital has it there a mix up on my credit report with XXXX it has XXXX XXXX  as current account holder but they dont have it no more Jefferson capital has but never reported this is weird I have excellent credit this is killing me please help
Product: Student loan

On XX/XX/2023, an IDR Repayment Plan was submitted via Student Aid.gov., because of an email alert by Nelnet . When I called to check on status, I was told by Nelnet a repayment plan was not needed. I continued to receive emails. I got student aid.gov involved and Nelnet then stated that the application had been received, however when I try to reach out to them, Nelnet will not respond to my calls either through phone calls or call backs. The dates on my loans have been changed repeatedly. Now, I am told again that I need to recertify. On XX/XX/2023, Nelnet website states application received XX/XX/2023. On XX/XX/2023, Nelnet website states application received XX/XX/2023. Now Nelnet is stating that I need to recertify.