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

Step 1 : What is this complaint about? 

This complaint is in regards to the XXXX data breach, but specifically with the way that credit freezes are being handled. 

Step 2 : What type of problem are you having?
Being as this will be something that impacts someone who has had their information stolen for the rest of their life, it seems a bit silly/wild to myself that we are expected to pay for a credit freeze to try and help prevent any further damage that has been inflicted upon us as is.
Step 3 : What happened? 

All but XXXX are currently charging for a credit freeze. While I realize that the other credit reporting agencies did not have any fault in this situation, it would seem to be the right thing to do to help those in this situation.
Step 4 : What company is this complaint about?
All three credit reporting agencies Step 5 : Who are the people involved?
Myself, and anyone else impacted in this data breach.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was a resident of XXXX XXXXXXXX until XXXX XXXX XXXX I have been noticed by Assistant Property Manager that " We were able to deduct charges to have you even out with your Security Deposit. If you have any questions please feel free to reach out to me anytime. '' It leaned the deposit can cover all the remaining balance from my aspect. 

XX/XX/, I saw a collecting account from Sentry Credit showed in my credit report collecting {$2000.00} and the original creditor is XXXX XXXX, where I used to rent. I was confused about where it comes from, since the final balance is XXXX when moving out. Therefore, I sent an email and confirmed with XXXX XXXX on XXXX. They found that they made mistake in the system and charged me twice the rent {$2000.00} incorrectly and sent me back the corrected final account balance, which showed {$0.00} balance. 

However, before this conversation, this incorrect debt has been transfer to the third-party debt collection company, Sentry credit. Therefore, they are charging me something I did not owe. I reached out to them and provide the corrected final balance document. Sentry Credit replied they need to verify the final balance document with XXXX XXXX. During the time, I called Sentry credit few times and they replied that they are still waiting for response from XXXX XXXX. I sent few emails to XXXX  as well, they mentioned they did not received anything from Sentry credit. It has been months. Thats why I try to post in CPFB for help.
Product: Debt collection

This is the third bill/credit collection I have received related to XXXX XXXX. On XX/XX/21 I received a letter from XXXX XXXX XXXX attempting to collect a debt for XXXX XXXX in the amount of {$480.00} ( see attachments ). This account is not mine and is related to someone who either stole my information or a hospital mis-keyed his information. You have identified and resolved this twice before. I have sent an email to XXXX and I will be faxing them today as well.
Product: Credit reporting or other personal consumer reports

[ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Unauthorized Hard Inquiry by OneMain Financial To Whom It May Concern, I am writing to formally file a complaint against OneMain Financial for placing an unauthorized hard inquiry on my credit report without my knowledge or consent. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which strictly limits the circumstances under which a company may access an individuals credit report. 

Details of the Unauthorized Hard Inquiry : Company Name : OneMain Financial Date of Inquiry : XX/XX/year>, XX/XX/year> Credit Bureau ( s ) Affected : [ XXXX, XXXX, XXXX ] Impact on Credit Score : This unauthorized inquiry has negatively affected my credit score and my ability to obtain credit on favorable terms.

Legal Violations Under the FCRA : According to 15 U.S.C. 1681b ( f ), a company must have a permissible purpose to obtain a consumers credit report. Permissible purposes include : A credit application initiated by the consumer, A credit transaction involving the consumer, or A firm offer of credit under 15 U.S.C. 1681b ( c ). 

I did not apply for credit or services with OneMain Financial, nor did I authorize them to conduct a hard inquiry on my credit file. Therefore, this inquiry was made without a permissible purpose, violating my rights under the FCRA. 

Additionally, under 15 U.S.C. 1681n and 1681o, companies that willfully or negligently obtain a consumers report without authorization are subject to legal penalties, including statutory damages and attorneys fees. 

Requested Resolution : I respectfully request the CFPBs immediate intervention to : 1. Instruct OneMain Financial to remove the unauthorized hard inquiry from my credit reports with all three major credit bureaus ( XXXX, XXXX, and XXXX ). 
XXXX. Investigate whether OneMain Financial has engaged in a pattern of unlawful credit reporting practices and take appropriate enforcement action. 
XXXX. Confirm in writing that this matter has been resolved, and the unauthorized inquiry has been removed from my credit file. 

I have attached a copy of my credit report highlighting the unauthorized inquiry, along with any supporting documentation. If further information is required, please contact me at XXXX. 

Thank you for your time and prompt attention to this serious matter. I trust that the CFPB will take the necessary steps to protect consumers from unlawful credit reporting practices. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Product: Debt collection

I am a student attending to XXXX and leased an apartment for a year from XXXX XXXX, XXXX XXXX to XXXX XXXX made all the payments and gave notice of non renewal in advance. Inspection was done on XXXX XXXX and the administration office advice me of everything been clear when I turned the key. 
I check my credit report about a week ago and find a surprising collection for {$100.00} that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

AmRent, located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. 

This establishment Is reporting an eviction in error, caused a denial in housing. I have reached out to the person reporting the debt, and they verified this is inaccurate as well. XXXX XXXX  ( XXXX XXXX ) .This facility is located in XXXX XXXX XXXX MI XXXX I have to now request a court hearing, pay fees, been denied units due to this error. I have no account number for the eviction that is reporting, and have no idea how to access the credit bureau rental dispute, as it is not on my regular reports. I searched XXXX for XXXX, XXXX, and XXXX XXXX XXXX links and no resources are actual to the credit reporting agencies. The links I found, are for reporters, not the other party. After, the dispute they advised this is valid, which it is not. I don't owe {$4700.00} to XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX. 

I am homeless until this eviction is corrected or a judge rules in my favor, before this request is complete. If the debt can not be verified. I request immediate removal or stop reporting, until correctly reporting. I also read the newsletter on your website, about these issues occuring, since the law was changed in 2021.
Product: Debt collection

on XX/XX/2021 and account was opened under my name and reported to all three credit bureaus i have never opened and account with XXXX avant i contacted the company and was told that they know that it was fraudently opened but that i needed to fill out and affidavit and file a police report and i completed both and filed them with the company but to this point the account is still being reported to all 3 bureaus and has not been removed Thank You XXXX XXXX
Product: Credit reporting

I discovered a Georgia State Lien on my credit report XX/XX/XXXX. I called the court in XXXX County and was told it was paid. I informed the credit bureau that the date of payment of my credit report states XXXX XXXX instead of a payment date of XXXX XXXX XXXX. It was not corrected. It is 7 years on XXXX XXXX, XXXX since being paid and I would like it removed from my credit report.
Product: Money transfer, virtual currency, or money service

I requested the money be transferred to my bank account in XXXX and for some reason they have it for pick up. I don't live there! I can't pick it up! Tried to send more money and now they have it on hold with no solution because they dont answer the phone and their " chat '' always has the number of 99 people in line ahead of me. so they have my money on hold and there is no way to refund or talk to any one about that. the web page just has you going in circles. XXXX is MUCH better.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. This account is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX XXXX  XXXX )
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2024 i sent Experian a Dispute letter asking them to investigate these charge off accounts that were closed and dismissed! They continued to verify the accounts when in fact they are unverifiable and inaccurate! A consumer reporting company may not provide a consumer report under FCRA section 15 USC 1681b ( a ) ( 3 ) Permissible Purposes for Furnishing.
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account or service at your company. I did not open or authorize this account or service, and I therefore request that it be closed immediately. I also request that ARS Account Resolution and XXXX XXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft who has already submitted my notice of identity theft to the credit reporting agencies, Trans Union, XXXX, and XXXX. XXXX of the accounts resulting from identity theft were not blocked, deleted, nor removed. These accounts are : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX/Account # XXXX XXXX XXXX XXXX XXXX/Account # XXXX. As of now my credit reputation and character is still being damaged due to the inaccurate information and I am not requesting a reinvestigation in accordance with FCRA Section 1681i. I am expecting the credit reporting agencies mentioned in this complaint to do what is fair and equitable to me as a consumer by blocking, deleting, and removing the information identified as identity theft. See attached.
Product: Vehicle loan or lease

Wells Fargo Bank NA sent me a application for arbitration I filled it out and set it in. 
They have failed to contact me and I need them to do that. The CPI charges and repossision of my Truck was In violation of the Cobb law in my state MN. They have been most unfair in settling with me and I am about ready to head to legal aid and have them deal with this.

One last chance
Product: Credit card or prepaid card

Although I sent payment to Wells Fargo bank on time, they still charged me a {$15.00} late fee and {$5.00} in interest. I called to correct the issue and they agreed to credit back the {$15.00} and {$5.00} charges and I sent a payment for the full amount less the {$20.00} that was to be credited back. However, they did not credit the {$5.00} interest and as a result my account was marked as carrying a balance and charge {$2.00} in interest the next month. I called a second time and the agent agreed to credit the {$5.00} as originally promised, but would not credit back the {$2.00}. That {$2.00} of interest should not have been changed and I would like it refunded to me.
Product: Debt collection

. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
Product: Student loan

In XX/XX/XXXX, I attempted to get out of default by entering a rehabilitation program ( 9 month program ). A title 4 was reinstated to my account after 6 months, I failed to make the other 3 months so I had to start over. They never asked me to resubmit my XXXX and Rehabilitation Agreement. In XX/XX/XXXX, I began making payments again and completed the program in XX/XX/XXXX, I asked the representative on the phone what the next step was and did I have to make anymore payments. He said No, you dont have to make anymore payments to us. Your loan is out of default, just wait for the next loan servicer to contact you. They will arrange your payments from here on out. That loan servicer is Reliant Capital Solutions,  they didnt send me any mail or correspondence until XX/XX/XXXX. When I contacted them, they told me my loan had redefaulted and I should call the Dept. of Education. I spoke to 5 different people, all of which said different things as to why it was redefaulted. The representative I spoke to in XX/XX/XXXX gave me false information. Thus creating this massive problem. All 5 representatives I spoke to confirmed that I was correct and they made a mistake. Their solution was to have me start off the rehabilitation program and pay until Im out of default. They offered no assistance in the massive issue they created and Im graduating college a full year later because of their mistake.
Product: Credit card

My corporation dissolved in XXXX of 2013. I had XXXX credit cards that were issued to my corporation - I never signed personal guarantees. After I lost my business, I began receiving bills and collection notices for these XXXX revolving accounts. I asked these creditors to provide proof of my personal responsibility, and not as an XXXX corporation. After many months and years of correspondence, they still have not provided proof. I had my attorney correspond and we still received no evidence of my personal responsibility. I am a veteran and these old collection accounts are affecting my credit which is keeping me from lowering my interest rate with my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

On XX/XX/XXXX, Premier Holdings contacted me about a very old debt that was charged off over 8 years ago. The lady named XXXX XXXX that works for Premier Holdings told me that I could settle a {$3400.00} debt that originated with XXXX XXXX in XXXX could be settled for {$1000.00}. This is coming at a time where I am already paying over {$2000.00} per month for two judgements so I was scared. She said they could prosecute me for Theft of Services. I ended up giving them my bank account information. They took the money out of my account before I ever signed the docusign that they sent to my email giving them permission. I still havent signed it. According to the Fair Debt Collection Practices Act, they were wrong. I just want my money back. Premier Holdings phone number is XXXX. XXXX is the manager and XXXX XXXX is the one I spoke with. Any help would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agency 's are reporting incorrect information on credit report. 
They are reporting accounts from XXXX XXXX  for auto loans that belonged to a corporation that was dissolved 3 years ago. I can not be held personally responsible therefore they should not be reporting these on my credit report. As they were assigned to the corporation XXXX XXXX XXXX XXXX. 

XXXX  transunion XXXX
Product: Checking or savings account

I had accounts with Synchrony Bank ( CD 's and Savings ). I liquidated accounts to move to another bank with higher interest rates. Synchrony Bank made errors when they liquidated my accounts and when sending the wire to my new bank. This error caused my funds to be held for several days as Synchrony Bank tried to work out thier errors. When this was all said and done Synchrony Bank sent some funds via check and wire transfer. When I noticed I was missing some interest payment Synchrony Bank did a review. They said they found that I was missing over {$900.00} in interest payment which was close to my figures of {$1000.00}. The bank claimed that I would recieve a check for the back interest. Several weeks went by and I never recieved the check. 
I have called Synchrony Bank several time over the last few months always getting someone new and different answers. 
1. I was told I have no accounts.

2. I was told that checks for the back interest were comming.

3. I was told that the bank did research and no funds were owed to my.

My figures show they owe me back interest. The bank agreed but is no longer taking my calls for this payment serious. Can you help?
Product: Debt collection

Source Receivables has reported a fraudulent credit transaction in my name to XXXX and XXXX. They claim I have an unpaid balance of {$1200.00} to XXXX. I disputed this report to Source Receivables in XX/XX/XXXX. I have never had any account with XXXX. This account must have been generated by identify thief.
Product: Credit card or prepaid card

On Tuesday XX/XX/XXXX at XXXX pm I went to ATM ID XXXX to withdraw XXXX dlls and the ATM registered the transaction but didnt get my money. I called at phone # that atm had registered to report problem with these ATM XXXX. The person in the phone submitted a claim # XXXX and I explained that I need my money urgent because I need to pay my bills and she said that this can take 90 days. I said that I cant wait 90 days. She said will be a put the claim as emergent and 48 hrs I will receive my money on my card. Today I call again because I not receive my money and said that I need to wait 10 business days? This is not my falt, Their ATM is not working correctly. What I need to do?
Product: Debt collection

XX/XX/2021 I sent XXXX letter informing XXXX there are unauthorized and unverified accounts on my credit which are affecting my insurance rates and if can pleases remove immediately without be able to verify any accounts. It also shows the account debt was paid which also was NOT me. I gave it 30 days and still no response, so then XX/XX/XXXX I sent a letter demanding to comply and that I will take further actions if do not fix the problem. I know its law to at least get acknowledged or updated on investigation about inaccurate accounts with 30 days. I still have yet to get a response. So please help me get this removed as it is affecting my rates.
Product: Mortgage

I recently refinanced my mortgage which was purchased by Amerihome. My first payment was due XX/XX/XXXX, which I paid on time. I have paid on time every month since. The checks have cleared my bank and have been accepted by Amerihome. Their website shows they have have received the payments ( screenshot enclosed ). However, to date there is {$11000.00} " suspended '' by the company and not being applied to my mortgage. I have since fallen into collections for a mistake made by them that no one can explain or is willing to fix. I have made more than a dozen phone calls and have waited hours on hold but no one can or will fix this problem. I have been told several times by many customer service reps that it would be taken care of " in three days '', but that has not happened. I have been waiting for a supervisor to call me back, but they have not.
Product: Prepaid card

I, claimant/consumer immediately request that funds stolen from my account are returned expeditiously in the amount of {$3800.00}. Of this amount, {$3000.00}, which was fraudulently Transferred from Money Network Account to an online account at XXXX, that claim/ticket number is XXXX  XXXX. XXXX has quickly taken steps to secure those funds and that account has been restricted, as told me to my XXXX, XXXX of the members on the XXXX team. I will use all the information I've uncovered report and ensure this kind of fraudulent activity is STOPPED and the agency quickly rewrite their policy and guidelines, making is extremely difficult for something like this to happen again. PLEASE NOTE THAT EMPLOYEES, WHO has ACCESS TO THIS INFORMATION SHOULD BE BONDED BEFORE BEING HIRED IN A FINANCIAL SECTOR. 

I became suspicious of this company after hearing how long they told me it would take to get my money back if the dispute was " found in my favor ''. I was also discouraged from canceling this transaction. At this point, I felt as if they did not want me to file a dispute. I was trained in previous positions ( experience ) to know how to stop this and learned more information about tracking and tracing where these funds went than they did.