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

us dept of education has two accounts appearing wrongfully on XXXX, transunion and XXXX  ... ..they are both account no.s XXXX and XXXXBOTH OF THE ACCOUNTS HAD A FINAL PAYMENT XX/XX/2011.both of the accounts have been delinquent since XX/XX/2011 and never were brought current.So according to the FCRA both of the accounts should have been removed from all of my credit files about 1.5 years prior.THE DATE OF FIRST DELINQUENCY IS IN XX/XX/2011.THIS IS CAUSED BY MISREPORTING OF THE CREDIT HISTORY.THIS IS A VERY GRAVE ERROR ON THE PART OF THE CREDITOR AND BUREAUS.THE BUREAUS INVESTIGATION MUST INCLUDE WHAT I HAVE JUST STATED AND BE DELETED.ANY OTHER BEHAVIOR WILL LEAD TO INJUNCTION OF THE SUIT IMMUNE CREDITOR AND A STATUTORY WITH LIKELY PUNITIVE DAMAGES AGAINST THE BUREAUS.BEING A REPOSITORY CARRIES OTHER FCRA DUTIES SO WITHIN 30 DAYS ALL BUREAUS MUST REMOVE THESE 2 ACCOUNTS BECAUSE WHAT I HAVE SAID IS FACTUAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already paid off XXXX and it shows on my profile as a charge off which is hurting my credit scote ... could you please assist me in fixing this problem please
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$10.00}, XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NEW information which further provides that TransUnion is willfully violating the FCRA. I am now unable to obtain my consumer report in the most convenient form, online. I personally feel as if TransUnion is discriminating against me because I have called them out on their violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Collection account. {$950.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$210.00} Status Collection account. {$210.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$870.00} Status Collection account. {$870.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Collection account. {$170.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$420.00} XXXX XXXX account. {$420.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$590.00} Status Collection account. {$590.00} past due as of XX/XX/XXXX. 

FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX Resident type XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX XXXX type Rural route
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I was not aware of and I did NOT give my consent or authorization to report to ANY third party. 

Reported Items that need to be deleted : XXXX XXXX XXXX ( closed account ) XXXX XXXX, XXXX reported XXXX XXXX XXXX  ( closed account ) XXXX XXXX, XXXX reported XXXX  XXXX ( closed account ) XXXX XXXX, XXXX reported XXXX XXXX XXXX ( charged off account ) XXXX XXXX, XXXX reported XXXX XXXX  XXXX ( closed account ) XXXX XXXX, XXXX XXXX  XXXX ( closed account ) XXXX XXXX, XXXX reported XXXX XXXX XXXX XXXX ( incorrect balance, account in dispute with creditor ) XXXX XXXX, XXXX reported XXXX XXXX XXXX  XXXX ( closed account ) XXXX XXXX, XXXX reported XXXX XXXX XXXX XXXX ( closed account ) XXXX XXXX, XXXX XXXX XXXX  ( closed account ) XX/XX/XXXX reported XXXX XXXX XXXX XXXX XXXX closed account ) XXXX XXXX, XXXX reported XXXX XXXX XXXX XXXX XXXX closed account ) XXXX XXXX, XXXX reported Inquiries that were not consented to : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did NOT give my consent for ANY of the above listed companies to report ANY of my personal and private information with the credit reporting agencies. This needs to be deleted immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I deposited a 3rd party check under my mothers name. Currently the check is being held because they are unable to link a phone number to her name only. My mother has numbers that can be verified but their check department refuses to move forward with the situation. I fear that they will never give me my money back.I have tried to call them for the past two months but I cant make any progress because they refuse to tell me how I can verify her number and they are using cheap excuses to justify their actions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries that were not authorized
Product: Debt collection

This collections account is fraudulent. I contacted XXXX and they say it belongs to UHG who got it from XXXX  XXXX. XXXX XXXX has no knowledge of this. And XXXX XXXX has provided me two current accounts which they wouldn't do if I had a {$1000.00} charge off just a few years ago. 
XXXX account number is XXXX I do not have the UHG account number. UHG appears to be the one committing fraud since they are the ones claiming I owe XXXX XXXX money. 
Also, I checked my credit reports dating back to XXXX  and none show me with a credit card from XXXX XXXX except for the two that are, and always, have been current.
Product: Student loan

On XX/XX/XXXX, I consolidated my student loans due to the guidance of the XXXX administration for the PSLF program. However, the payments made to my loans prior to consolidation were not transferred to my consolidated loans. On XX/XX/XXXX, I submitted my PSLF form proving 10 years of payment and working at a non-profit. I thought that they would look at my full picture of my previous loans and my consolidated loans to see that I had made over XXXX payments. In XX/XX/XXXX, I called Federal Student Aid ( FSA ). I was told that all accounts were being reviewed and to call back in XX/XX/XXXX. In XX/XX/XXXX, I called Federal Student Aid again. I was told that they were still going through accounts and to call in XXXX. On XX/XX/XXXX, I submitted a complaint to FSA. They closed the complaint without any resolution. On XX/XX/XXXX, I also submitted a PSLF Resonsideration Request. Again, I did not have any resolution. On XX/XX/XXXX, I called FSA again. This time they told me to call my student loan servicer. I called Mohela, but due to long weight times ( over XXXX hours ), I was unable to get in touch with someone before they closed. I called Mohela on XX/XX/XXXX. I spent XXXX hours on hold. They told me that they were unable to fix the problem. They said that my previous loans were marked as " cancelled, '' but they were supposed to be coded as " paid through consolidation. '' They said that they didn't consolidate my loan. So I would need to speak with XXXX. On XX/XX/XXXX, I called XXXX. The person I spoke with said that she didn't have the power to change how my loan was coded, but that she would submit a ticket to their loan consolidation group. They were supposed to call me back. I never received a call, so I called XXXX back on XXXX, XXXX, XXXX. The person I spoke with said that a ticket was never made, so she created a ticket and said that their loan servicing group would call me back. I never received a call back, so I called XXXX again on XX/XX/XXXX. The person that I talked with said that they don't handle loan consolidations and that they were just forward facing. She told me that I had to call FSA. I told her that I already spoke with FSA, but she said that there was nothing that XXXX could do. So after I hung up, I called FSA again. The person I spoke with said I needed to call Mohela. I told her that I had already talked with Mohela. I asked if I could speak with her XXXX. She said that they don't have managers and that I should submit a complaint. So on XX/XX/XXXX, I submitted another complaint. The complaint was closed and I received a generic message saying : " FSA is currently in the process of automatically applying Payment Count Adjustment credit across certain borrower accounts. '' I fulfilled my PSLF qualifications in XX/XX/XXXX. It is now XX/XX/XXXX and I still can not get any resolution. None of the companies say they have the power to fix the simple miscoding that was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I was shocked this morning to find inaccurate accounts suddenly appearing on my credit report. I usually check my report regularly, but this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the inaccuracies remained. Given this issue, I am requesting that the documents I've provided be thoroughly reviewed so I can stop worrying about this.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) Due to inadequate customer service and unfair practices which violate the consumer finacial protection action ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable as well as unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and finacial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I began taking my credit more seriously and noticed a few items on my credit report that were reporting inaccurately. I have tried to resolve those issue but no luck. I was faced financial hardship losing my job due to the pandemic layoff. The CARES Act, passed in XX/XX/2020, gave legal protection to consumers by providing loan forbearance. Under the act, consumers were given the option of not making payments on their loans without suffering any credit-related consequences, like late payments and delinquencies. Also, creditors must make accommodations for people having trouble making payments. But I was never contacted. Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report that I want to be removed because I am a victim of Covid 19 and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
Product: Credit card or prepaid card

I had a XXXX charge that I tried to dispute so they cancel a card and sent me a new card and paperwork to dispute. I received the card and tried to activate and it wouldn't because they had froze my account. So they ask me to send my credentials which I did, and they said my Driver License was not acceptable, so I sent all information again every time they found another reason to steal my monies, this has been going on for over 2 months and multiple faxes to them and numerous conversation by phone. So every time I call they tell me I have to speak to a Supervisor and every time they hang up and it turns into I have to call back over and over again. All I want is my XXXX back I want the account close and a check mail to my resident which they have on file and my driver license info. This company needs to be investigated for fraud. I did every thing they ask of me and I still don't have my money. This is a dire situation I have rent food bills to pay and they rob me. now there telling me I have to send my w2 copies. I have sent my DL, birth certificate, social security. Why do they need my w2 ( which I don't have ) it sounds like they're trying to steal my Identity. What about the people that don't have the resources to know what to do. How many other customer have they done this to. This company has cripple me and left me with nothing, I lost everything over this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed many incorrect and unauthorized items appeared in my report and didn't recognize them at all. Last 2019 my car was stolen and I have all the important documents on it such us my ID, Social Card and some of my company 's documents too. Please see attached documents uploaded a police report and the list of the accounts and inquiries that I didn't know.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I wired USD {$400.00} from XXXX, Idaho to XXXX, XXXX via Western Union. The exchange rate on their website differed from the rate charged at the time of the transaction by 10 % which resulted in XXXX Euro difference on the transaction. ( See attached screenshot of the published rate and copy of the transaction receipt ). This charge was in addition to the {$28.00} transaction fee.

That same day I filed a complaint with Western Union. Western Union responded yesterday with a lame excuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company was XXXX XXXX the account was open XX/XX/2019 I have no idea where this came from! for the amount of XXXX called common wealth finance.
Product: Student loan

I signed up for Public Service Loan Forgiveness ( PSLF ) in XX/XX/XXXX, and XXXX XXXX became my new student loan servicer. In XX/XX/XXXX, when it came time for my annual recertification, my monthly loan amount jumped up from {$120.00} per month it had been for the prior 12 months to {$620.00} per month. I called to ask why the amount had increased so precipitously. XXXX XXXX told me that the total income from my XXXX taxes had increased because as a newly-married person I had filed jointly for the first time with my spouse. It did not matter to XXXX XXXX that my spouse also had similar student loans to repay. I informed them that I would be unable to sustainably pay a monthly amount of {$620.00} and asked for a smaller monthly payment. I was told to submit an application for the Revised Pay As You Earn ( REPAYE ) Income-Driven Repayment ( IDR ) plan. The entire process to achieve this new REPAYE payment plan took six months, calls from me to XXXX on at least a monthly basis to ask and plead for them to complete the recalculation and to place myself on forebearance time and time again because each month prior to my monthly due date I would receive automated letters into my XXXX account saying that I was required to pay between {$1500.00} and {$1500.00}. Had XXXX XXXX acted accountably and quickly on my request to change payment plans due to having too high a monthly payment, I would not have had to request continual forebearance on a monthly repayment requirement that rose to over 11 times what I had been accustomed to paying affordably. It was only in XX/XX/XXXX that my request to move to a REPAYE payment plan was approved, with the first monthly payment coming in XX/XX/XXXX of {$370.00}, an amount over twice as high as the {$120.00} that I had been paying in the previous certified year. 

I thought this issue had been resolved until I read the XX/XX/XXXX XXXX article " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' I recalled the difficulties I had faced for six months in XXXX trying to obtain a new payment plan and decided to log in to my XXXX XXXX  account to check in further detail what had happened with my loans. I discovered that in that time period, I had suffered an increase in the principal amount of my loans from {$85000.00} in the year in which I paid {$120.00} per month to {$98000.00} by XX/XX/XXXX, due to Interest Capitalization. This frustrates me because the only reason my interest was capitalized during this time frame was because I was waiting on XXXX XXXX  to lower my monthly payment to the REPAYE plan and having to request a monthly forebearance due to the punishing amounts of over {$1500.00} per month that they were requesting in the interim.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX - XXXX - {$0.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Consumer Loan

In XX/XX/XXXX, I borrowed {$2000.00} from TITLEMAX of Ga. 
I made payments as agreed and sometimes more to bring down capital. I have been making payments for 3years totalling over {$12000.00} on a {$2000.00} loan. XX/XX/XXXX the car brokedown and is not drivable and too expensive for me to fix. 
FIRST OFFER i made. I gave Titlemax the address where the car was located and advised them to go pick it up in lieu of anymore payments and closeout my account. They never picked up the car. Instaed, they kept calling me and demanding payments. I made futher payments. 
SECOND OFFER i made. On XX/XX/XXXX, I made a payment to Titlemax and I ALSO OFFERED THEM {$1000.00} as full payment to closeout and settle the account in FULL. I had a friend who was willing to loan me the {$1000.00}. I presented this offer to XXXX, the manager at the XXXX store, who promptly sent email of my offer to his boss immediately. He promised me it will only take 2days to get a decission. I made it clear that I could no longer afford monthly payments and the payment was my last and my offer was final. I had been making payments since XX/XX/XXXX totalling over {$12000.00} and can not make anymore. 
It 's been 2months and Titlemax has yet to accept my offer. Instaed, they keep calling me demanding a payment of almost {$3000.00}, which I can not afford. 
THEY HAVE BEEN VERY UNFAIR AND VERY GREEDY AND IMPOSSIBLE TO DEAL WITH. 
My offer is fair considering ALL THE MONEY THEY MADE FROM ME ALREADY.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX