23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Venmo owes me for an issue where I called to cancel a card on XXXX for an unauthorized transaction that took place on XXXX and an atm error on XXXX, I was told the card was canceled and waiting on a card I had XXXX ach deposited into my account on XX/XX/XXXX for {$600.00} and a refund on XX/XX/XXXX, after calling on XXXX XXXX they told me nothing had been deposited then I check the account on XXXX and there over {$620.00} in fraudulent transactions made i file a dispute and they deny all of it, yet I was told they listened to the call and heard that the call on XXXX that I made and know that I reported the fraud which would have canceled my card and a new one would have been created causing the ach deposit to go on another card but the never canceled my card on XXXX when I called they didnt even acknowledge this when they finally filed the dispute on XXXX which was also denied yet they made a mistake on XXXX by not cancelling my card when i called for fraud and it has led me to filling a arbitration for XXXX when all they had to do was correct a mistake they made by not cancelling my card when i called about the unauthorized transaction that i called about on XXXX if they dont fix this then imma turn this XXXX issue into XXXX issue since they want to deny something they done incorrectly watch me turn this into a XXXX issue through arbitration and the damages this has caused ....
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I am currently on Leave of Absence from my job and have scheduled XXXX on XX/XX/XXXX for a XXXX XXXX XXXX XXXX XXXX. I am struggling right now. I made a partial payment on my account on XX/XX/XXXXand set up a partial payment for the XX/XX/XXXX, and was unable to pay due to going on emergency LOA on XX/XX/XXXX that was unexpected due to complications related to my XXXX. I have been with XXXX XXXX, XXXX Tennessee since XX/XX/XXXX and have always made my payments in a timely manner and always contacted them if I would even be a few hours late paying. I called as soon as I new it would be a problem to make that payment They informed me they do not have a Hardship Program for my situation even though they have made over {$2000.00} in interest payments from me over this period of time. It was a situation where I needed to get away from a XXXX XXXX situation in XXXX, Tennessee and needed to open that again as important for me to move to XXXX, KY. So since they do not have a hardship program for me, they specifically threatened me with collection process that would even send me to their ATTORNEYS for immediate action and that I would no longer be able to talk with them. I feel this is very unfair practices since I have been so loyal to pay them when due. Please advise if I have any rights to this. I had a bankruptcy inXX/XX/XXXX Chapter XXXX and that affected my ability to get any type of traditional loan. My identity has been stolen twice in the last 5 years due to my health care provider being Cyberattacked. I am dealing with a lot here. Anything you to do would be truly appreciated. 
Sincerely, XXXX XXXX XXXX e mail XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, KY XXXX XXXX XXXX  24/7 XXXX XXXX XXXX XXXX, TN XXXX My account # XXXX my phone # is XXXX cell landline XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding the reporting of a debt collection to the Consumer Financial Protection Bureau ( CFPB ) by TransUnion. As we discussed previously, the debt in question was incurred when I was a minor, and pursuing collections on such a debt raises legal concerns. 

Despite the legal implications, I recently discovered that TransUnion has reported this debt to the CFPB, which has potential ramifications on my credit report and financial standing. I am deeply troubled by this discovery, as it suggests a violation of consumer protection laws and regulations. 

I want to emphasize the seriousness of this matter and the impact it could have on my financial well-being. It is imperative that immediate action is taken to rectify this situation and ensure that any erroneous reporting to the CFPB is corrected. 

I kindly request your assistance in addressing this issue promptly and advocating on my behalf with TransUnion to remove any inaccurate reporting related to this debt from my credit file. 

Thank you for your attention to this matter, and I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

I looked in to my Equifax credit report and found multiple inquiries not authorized by me, I requested for Equifax to verify and validate and remove as stated in the fair credit act. Equifax responded inquiry are not removed for 2 year with out any verification The Following inquiries are in question XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I paid for a ( 1 ) year membership with the XXXX XXXX XXXX ( XXXX ). Part of the membership benefits was a " paid by XXXX '' ( 1 ) year subscription to XXXX XXXX XXXX XXXX ( XXXX ). I received the appropriate number of magazine issues ad then they stopped being shipped due to the XXXX membership not being renewed. Two months went by without any problems. In XXXX 2015, I received a collection notice from North Shore Agency ( NSA ) on behalf of XXXX to collect a debt of {$16.00} for the XXXX issues that I had received as part of my XXXX membership. At no point prior to receiving the collection notice was any kind of billing or invoice ever sent from either XXXX or the XXXX to me stating that I owed money ( being it would have been the XXXX 's bill, not mine ) for those magazines nor did I receive any correspondence asking if I wanted to assume the XXXX debt to XXXX by renewing the XXXX subscription. I emailed XXXX to inquire about this, direct them to contact NSA to repeal the collection, ensure my credit has not been negatively affected by this erroneous action and asked that they call me immediately. Two weeks passed before I received an emailed answer from XXXX which has been archived if you need to posses it ( dated XXXX XXXX, 2015 ). No phone call to me was ever placed. The XXXX email stated that they have absolved me of having to pay for any previous or current issues and if I had any other problems to contact them. The email did not address whether they had contacted NSA or conducted and action protecting my credit rating. On XXXX XXXX, 2015 I received a second collection notice from NSA that took a decidedly condescending tone ordering me to pay the {$16.00}. On that same day, I responded to the XXXX XXXX XXXX email explaining that I had received a second letter despite the release of charges by XXXX. I also stated that XXXX failed to do XXXX things : 1. Forward info to NSA and recall the collection ( assuming NSA was n't just ignoring the notification and 2. the failed to call me in a timely fashion to prevent this from being exacerbated because of the time in between emails. I then advised by email both XXXX and NSA that if I did not have full resolution to include fixing my credit which took a XXXX point loss due to this problem in ( 5 ) business days which would have been XXXX XXXX, 2015 I would report both companies to the FTC and any other agency that is designed to ensure companies are in compliance with regulations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Amount XXXX I reached out to this company asked for a debt validation they than sold the debt to another company I put in a dispute and got that company removed from credit report which was XXXX XXXX XXXX, I recently disputed this with the credit bureaus and they verified the account in less than 24 hours I dont feel the credit bureaus did a proper investigation.XXXX XXXX  has this one account reporting on my credit report 3 times,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing all three credit reports from the credit bureaus, I began to inquire about the validity of the accounts. I then began to question the bureaus to verify and validate all the accounts listed. All three agencies have failed to verify the accounts as required by the Fair Credit Report Act Section 609 ( a ) ( 1 ). All correspondence was forwarded via certified mail and standard mail on XX/XX/2022 to ensure its arrival. ( tracking numbers have been provided ). XXXX forwarded correspondence advising dated XX/XX/2022, that they received the request that included my information, but didn't appear that I or a properly authorized third party sent it to them. The document in question was signed on XX/XX/2022 in front of a notary where a valid ID was required. All in attempt to avoid and delay this process which should have concluded within 30 days.
Product: Debt collection

My identity has been stolen. There is a man renting apartments and other rental places all over XXXX Virginia. Sometimes multiple apartments at the same place. I have received and disputed several of these collections that were reversed in my favor due to the WV state police report. They have a copy of the fake id being used that has my first and last name on it, but not my other names or suffix. It has very old addresses of mine to which I havent lived at in years. This has been going on for close to two years. The suspects name is XXXX XXXX XXXX. I have uploaded an old mug shot, the FAKE ID and the police report.
Product: Checking or savings account

Opened a checking account with First Tech Federal Credit Union around XX/XX/XXXX with a referral from a friend. Terms state to deposit at least {$250.00} and keep at least {$250.00} in that account for 30 days and that there would be an applied credit of {$100.00} for doing so applied to the account. I met those terms early and expected the {$100.00} in 30 days as advertised. On XX/XX/XXXX, I still hadn't received the {$100.00} new account bonus, so I messaged the Credit Union. They replied back that they needed the name and email or phone number of the person who referred me. 

This extra step of verifying the referring person was never disclosed at the time of signup and the unique referral website entered for signup was something this Credit Union generated, so this seems disingenuous on their end as they would be able to link the promotion based on that alone. This is a bait and switch tactic that was never disclosed. Changing the rules without informing the other party is not good and leads to concerns of trickery and deception. 

Even though the terms were met to the letter, the bonus didn't appear in my account until XX/XX/XXXX ; close to 2 weeks after initial contact about this concern. This is concerning as well as the delay meant I had to contact a few more times to inquire about the processing of the bonus two more times. Not good. 

As I thought this was an easy banking bonus, I also had referred a close family member and once again they had to go through the same process to get a bonus that appeared on the promotional page to be a whole lot easier to get. 

I have researched this Credit Union bonus online and it appears they have been doing this to many other new accounts in the last few months, so none of this is a one off.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I filed a recent complaint against Transunion Credit Bureau for Inquires that do not belong on my credit report back on XX/XX/XXXX.

On XX/XX/XXXX- I get a response back from Transunion Credit Bureau stating " Please also be advised however that your TransUnion credit report does not reflect an inquiry from XXXX XXXX , XXXX , XXXX, and XXXX '' As a response to this, I find this response to be invalid or pure disrespectful as the company has sought to deceive me by lying to me. XXXX XXXX which is the same as XXXX XXXX XXXX does appear on my Credit Report under Hard Inquires and also they go on to say the Inquires " The inquiries listed on your credit report are a record of the companies that obtained your credit information. 

Funny thing being about this respose is they may be right about companies retaining credit information but had Transunion opened the attachment that was attached to the last complaint they would have saw that the letter addressed directly from the creditor that states that their company has never pulled my credit for any reason and had confirmed that at no time had my credit even been pulled by their company, they have also asked that Transunion make the necessary adjustments to my credit report. ( Attachment Added to Complaint ) Now Transunion claims this inquiry does not exist but it very well does exists and so does two other inquires on my Transunion Credit Report from apparently XXXX XXXX. I have never even applied for a credit card from this company nor have I ever completed an application. I feel that Transunion is improperly handeling my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was compromised and have been a victim of fraud one of which was in XXXX of 2022 and in the amount of. {$1300.00} and the other {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX XXXX have placed an inquiry on my Experian credit file dated XX/XX/2017. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''
Product: Credit card or prepaid card

I noticed several unauthorized transactions made on my cashapp account onXXXX XX/XX/XXXX. I contacted cashapp about this situation on XX/XX/XXXX as soon as I noticed unauthorized transactions were made on my account. I never used my card with the merchants where the unauthorized transactions were made. I reported the unauthorized transactions as soon as I noticed them. XXXX {$160.00} XX/XX/XXXX at XXXX XXXX- {$290.00} XX/XX/XXXX at XXXX XXXX- {$160.00} XX/XX/XXXX XXXX XXXX XXXX- {$170.00} XX/XX/XXXX at XXXX XXXX XXXX {$110.00} XX/XX/XXXX at XXXX XXXX- {$7.00} XX/XX/XXXX at XXXX XXXX- {$7.00} XX/XX/XXXX at XXXX Unauthorized charges were made on my account, I never used my card with any of these merchants to authorize any of the unauthorized charges that were made on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

My property sustained damages during Hurricane Irma in XX/XX/XXXX. XXXX   XXXX XXXX XXXX finally paid the claim in XX/XX/XXXX. Ditech received the endorsed check on XX/XX/XXXX, per overnight courier. That check was in the total amount of {$120000.00}. There was a previous amount in the escrow of {$19000.00}. That was paid on XX/XX/XXXX. They sent a check in the amount of {$2100.00}, on XX/XX/XXXX Today XX/XX/XXXX, they have not released any other funds, in spite they have had all the paperwork uploaded to their website as directed. The payment included roof replacement and other repairs to the structure of my property, however, there are payments included that are not related to the repairs of the home, like pack out, move, personal property etc. Those funds should have been disbursed to me immediately as they have nothing to do with the actual repairs, and it is my money that they are floating. It is beyond abusive. It is illegal. 

In the website under my account, the escrow, shows all the deposits, but a XXXX balance. Needless to say, I am very concerned. Ditech came out of Chapter XXXX in XX/XX/XXXX, and was delisted from XXXX on XX/XX/XXXX. I have no protection whatsoever on my money, which they are holding illegally. 

Every time I talk to them the result is the same ... .they take 14 days to process, etc. I am frustrated and angry. I have a perfect payment history with these people. They are not a bank, the mortgage is actually owned by XXXX XXXX, they only service the account and that does not or should not give them the right to hold unto any monies whatsoever. This has to change, as I know I am not the only one in this situation. Perhaps we need a class action law suit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citicards CBNA. The Account Opened is Citicards CBNA Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$6300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX 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 XXXXXX/XX/2020
Product: Student loan

I was part of the SAVE program and worked as a public school teacher from XXXX to XXXX. Now, I am being told that my payments do not count toward Public Service Loan Forgiveness ( PSLF ). My employment was verified, and qualifying payments were made during that period. However, MOHELA is refusing to grant me forgiveness, claiming that I filed for bankruptcy between XXXX and XXXX, and that none of those payments count. 

Despite the fact that I remained with a qualifying employer during that time, and they continued receiving payments, I am being told that none of the payments made between XXXX and XXXX are eligible. I had XXXX qualifying payments out of the required XXXX. They are now claiming that none of these payments count because I switched employers in XXXX. 

I demand clarification and resolution on this issue. I need immediate assistance to resolve this discrepancy.

Also, now there is a FERPA privacy breach with DOGE of my private data at the DOE. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

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.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : Unverified account Each unauthorized account on each credit bureau has XXXX different date on when it was open.