23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When i was XXXX  and first enrolled into college, i was under the impression that most of these loans were grants and i would not have to pay them back. It was never explained to me how interest would come into play with the loans down the road. I  currently work full time but i can not afford to pay what they want for a monthly payment, and i have 5 loans that their expecting a monthly payment for. I had them deferred for a while but im not sure how much longer im able to do that for. If i was to pay what they calculate for each monthly payment, my daughter and i would be homeless because there's no way i'd be able to keep a roof over our heads.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block inc ) due to inadequate customer service & unfair practices which violates the consumer financial protection act. Specifically Cashapp failed to take timely an effective measures to prevent and address fraud on their platform, leaving my account vulnerable an 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 and regulation E these actions has caused significant inconveniences an financial loss an I seek appropriate financial compensation.
Product: Bank account or service

I had an account with Bank of America in XXXX in XX/XX/XXXX and then opened another one in XX/XX/XXXX in XXXX and then opened one in XXXX, XXXX in XX/XX/XXXX. WHile a BOA customer in XX/XX/XXXX I filed a complaint with XXXX XXXX and with the Mayor of XXXX, XXXX and he forwarded all my complaints to the XXXX at XXXX XXXX. And put this in a letter to me. After XXXX XXXX XXXX, XXXX, XXXX, in XXXX XXXX, called the XXXX Police on me and sent them out to my apartment. XXXX. I thought I was in trouble just like in the XXXX. XXXX and a lot of credit card debt from XXXX. XXXX contacted me through XXXX and gave me his cell number in XXXX and we got into it. I was not allowed to look during XXXX. I told them 7 years no contact just to say bye-bye during their graduation so I would not have to see them again. I did not know I was being followed. XXXX XXXX ( whose name is something else ) with XXXX transferred to Bank of AMerica on XXXX in XXXX XXXX where my XXXX mom, XXXX and my older brother, XXXX Bank for years. I thought I was having a nightmare and flash backs. and called it in the Bank of American who could not transfer me to any one named, XXXX from XXXX. I let it go and moved to XXXX and then XXXX. There is a privacy issue. I have a XXXX through XXXX case number XXXX against my mom in XXXX, XXXX, XXXX. And I am afraid she will find out where I live again and try to reconnect. I would like to relocate to XXXX in XXXX. I do not ever want to see XXXX or my mother or her family again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I just received an alert stating that my information was improperly used to obtain credit in my name while my transunion was locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been trying to work with equifax but they refuse to help. They have 2 state tax liens that are to old to be on my acct. Both have been there since XX/XX/XXXX. I believe they are the same lien just filed twice. Also I have disputed a bankruptcy that is not mine and they refuse to remove or provide proof. Also there are inquiries that are not from me they are XXXX XXXX XX/XX/XXXX and XX/XX/XXXX innovative funding on XX/XX/XXXX XXXX XXXX XX/XX/XXXX auto approve XX/XX/XXXX equifax mortgage service XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I have contacted them and they refuse to help in any way. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive mailed police report called been hung up on their stalling reps lying about stuff removed honestly if your supposed to help help theirs no enforcement to much fraud and stall tattoos they wont have a hand review they keep submitting to computer child support is not a loan I submitted info on things closed and paid they wont remove names that arent mine talking about they cant since no one wants to follow the law whats the point you guys helping if its not this is crazy damaging my life no help at all not to be rude this is stress full and beyond sad that seek for help and your being told a name you do not hair cant be removed after police reports submitted their not responding properly and it needs to be stopped if no ones above the law then why are they still operating and being able to break it because if I break the law do I get 30 days to fix it and dispute it no I got to jail right away so what right do they get to keep damaging my life and keeping a profile they still havent sent files for
Product: Credit reporting or other personal consumer reports

I tried calling Experian for over several hours ( 4 separate occasions ) to unfreeze my credit but was unable to reach anyone besided the automated machine who directed me to the website and hung up. This is the number XXXX.
Product: Credit reporting or other personal consumer reports

see attached for my ftc report regarding these fraudulent accounts I see on my report. These were never authorized by me and are under litigation.
Product: Credit reporting or other personal consumer reports

Sunday XXXX XXXX XXXX time True Accord submitted email regarding a debt from original company XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

This debt has 3 other collection agencies and original company.

5 agencies are not collecting on the same debt and multi reporting in the same debt affecting my credit score further more. 

My personal information was exposed and leaked under companies Data Breach.

5 companies reporting and collecting on this debt. In Violation of FCRA. 
1. XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX multiple collection agencies are collecting on the same debt, it could be a violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a federal law that prohibits debt collectors from using unfair, deceptive, or abusive practices
Product: Debt collection

XXXX XXXXXXXX agreed to a lease for a newly constructed apartment that they breached by sending an email on XX/XX/XXXX stating it wouldn't be ready. My daughter, a college senior, needed housing by XX/XX/XXXX. Meanwhile, I requested to break the lease so we could secure housing in XXXX and was told it wasn't an option. They offered to house my daughter and pay a stipend towards alternative housing. Due to no other choice, we took one of their options by moving into a hotel that required me to pay money the cost difference. Per the lease, we gave them 90 additional days ( until XX/XX/XXXX ) to finish my daughter 's XXXX floor apartment and it still wasn't ready. On the XXXX day and we reached out to my daughter 's college housing and they found her an apartment on campus. She moved in on XX/XX/XXXX prior to her winter break. There were lots of complaints from tenants that the building had issues. I also keep in touch with the county 's permit office regarding the buildings readiness. We are not paying XXXX XXXXXXXX when they breached the lease. My daughter graduated on XX/XX/XXXX. I'm filing this complaint for me and my daughter, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to Equifax credit reporting agency that the below listed inquiry was olaced on my report as unauthorized and considered fraud. Equifax has failed to investigate this matter for proper removal of this inquiry. I am a victim of identity theft and therefore, this item needs to be investigated appropriately. 

Inquiry : XXXX XXXX/ XXXX, onXX/XX/2019 is Unauthorized and considered Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have all 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 an account without my written instructions.
Product: Checking or savings account

Today XX/XX/XXXX, I received an email from Huntington bank at XXXXXXXX XXXX stating my account was suspended. No reason just that it was suspended. I can not log into my account to handle bill pay transactions nor is anyone available to help with this as the email came in after bank hours. No phone call to explain this, just an email. This has happened once before in XXXX of XXXX. I had to obtain legal counsel for that. I really want to avoid going the court route this time. I feel Huntington is targeting me due to the fact this keeps happening. I want help gaining access to my account and will close it out for good. 
I feel I am being targeted because I worked for XXXXXXXX XXXX which was purchased by Huntington where I had lost my job after the takeover.
Product: Debt collection

I had contacted XXXX many time by calling and written them about the five accounts on my credit report that is not mine. 

1 : XXXX XXXX XXXX XXXX XXXX 2 : NAVY FEDERAL CREDIT UNION 3 : XXXX XXXX : XXXX XXXX 5 : XXXX XXXX, XXXX I had given them documents that the company, ( XXXX XXXX asked for and still to no end nothing was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is invalid address on my report My correct address is XXXX XXXXXXXX XXXX XXXXXXXX, al XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX/XXXX   account number XXXX. ( Please see page 7 of the attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX i recently received a call from my bank about fraudulent charges on my card. That same day a XXXX number text me and told me to call a XXXX number. The next day i woke up and my credit score dropped XXXX points and nothing that drastic on my report changed to justify it. Also my credit karma password didnt work and i had to reset which has never happened. I feel someone has stolen my identity and did something that i cant see with it. I would like to jump ahead and get to the bottom of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed with identitytheft.gov as I believed I was a victim of identify theft. I also placed a fraud alert on all of my credit reports as they were reporting me late on an account with XXXX by XXXX XXXX. I became aware of this account as I my XXXX card closed suddenly due to a decreased credit score as this account was reporting past due payments. 

Per the recommendations of identitytheft.gov I sent dispute letters to Transunion as well as XXXX by XXXX XXXX. 

I received a letter XX/XX/2019 dated XX/XX/2019 stating XXXX by XXXX XXXX had determined that I am liable for this loan. 

I have received no verification that this loan was in fact taken out by me other than the letter received XX/XX/2019.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX This CFPB complaint is being filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a personal loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

These accounts represents a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding these fraudulent accounts, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account are : UPGRADE INC XXXX, UPGRADE INC XXXX
Product: Mortgage

ocwen refuse to give us a modification. they foreclosure. sale date XXXX/XXXX/2015. 
we were approve for a short sale on XXXX/XXXX/2015. and Ocwen file foreclosure sale date of XXXX/XXXX/2015. they refuse to cancel the sale date and refuse to work with us on our modification/ we do not want to lose our home because we have no where to go. 
we need your help to stop the sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove unauthorized in queries from my credit report after informing them that Ive been a victim go identity theft and that my personal information was leaked onto the " dark web ''
Product: Checking or savings account

Account was opened with Chime without my knowledge or consent.
Product: Mortgage

Hello! 

I had a homeowner 's insurance expiry on XX/XX/2023. Prior to this date I had found a less expensive provider. I instructed my insurance agent to submit, in writing, notice to the loan servicer that we would be changing companies. 

I also forwarded this notice to the loan servicer as well as having verbal phone contact with them to notify them of this change prior to XX/XX/XXXX. 

The payment was made by the servicer to the new insurer. The servicer, without explanation, also conducted a second duplicate payment to the previous insurer without authorization. 

I submitted a complaint to them regarding this the week after XX/XX/XXXX. I received a letter from the servicer in XXXX stating that they would be conducting an investigation of what had occurred. On XX/XX/XXXX I called the servicer again to request explanation and a conclusion of the investigation. I asked that they provide, at minimum, an expected deadline and conclusion to their investigation. 

I have not heard from them since the XXXX letter in regards to this complaint.
Product: Credit reporting or other personal consumer reports

XXXX of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was financed for a vehicle by Ally Financial. The car was paid in full and was considered closed in XXXX. 

However, now as of XX/XX/XXXX, XXXX the Ally Financial Account XXXX all of a sudden in reporting on my credit as a REPOSSESION-???!!! 
I have not been able to reach any one from Ally Financial or the credit bureaus and I am in the middle of financing!!! 

It is imperative that the account is corrected or removed from my credit all together. I am not sure what is going on but a lot of weird things have been going on since this pandemic has started. On the other hand- I will have to get a common law attorney if the situation is not resolved immediately or if I lose financing because this HUGE ERROR.
Product: Money transfer, virtual currency, or money service

Zelle, XXXX, XXXX all did not provide points we disclosures to users. They would complete changes, and fees without updating users on the meaning of said changes and fees and policies.
Product: Credit reporting or other personal consumer reports

I demand that transunion show me proof that these companies have given me a perk, service or product. These inquiries have no permissible purpose to be on my consumer report
Product: Debt collection

I received a call to my cell and to my home phone from Oracle Financial Group, LLC A XXXX XXXX left threatening messages stating I am being accused of fraud with a local financial instiution. 
I called the number and was called a liar, I do not owe this debt and I also looked up other complaints against this debt collector. 
I have no unpaid debts
Product: Mortgage

Our loan was placed in forbearance due to my husband and I both losing our jobs repeatedly during XXXX. Upon the expiration of our forbearance, the lender/servicer ( XXXX ) told us the only way to rectify the situation was to pay, in a lump sum, $ XXXX. Because of them lying to both my husband and I, we separated and were XXXX week from finalizing our divorce. Luckily we reconciled and began working with our mortgage company together, and realized we were both being told different things. I researched our options according to CFPB and XXXX XXXX and our options were NOT being given to us. When the lender/servicer/collection agency was confronted with this, they offered a loan modification but were adding the past due payments to our mortgage balance, thus increasing the balance and making it impossible to sell the home for that amount. We insisted to talk to someone in management or directly with the servicer ( XXXX ) and again were told no, that our options included a XXXX year loan for a larger amount or to now pay almost $ XXXX to avoid foreclosure. We have communicated with our mortgage company monthly asking for all our options to be presented and they were not. Now, they have filed for a non-judicial foreclosure. This company ( XXXX ) has been sued multiple times in class action suits for this very thing. We currently have renters and they are about to purchase this home. We need to stop this unlawful company from ruining our lives, their lives, and countless others. We have submitted for XXXX funds in the state of XXXX for relief. This too was not given to us as an option, we had to research this issue ourselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

In spite of various requests by prospect lenders that I've requested to refinance my mortgage, Equifax has failed to send the reports. About two months ago the lenders and I called Equifax which confirmed they were no issues. 



Kind regards
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint concerns my wife 's CLOSED XXXX XXXX XXXX account. 

She was just alerted that her score had went down, And it reported that " REMARKS '' were added that caused her score to go down 6 points. 

The remarks that were added is such : " ACCOUNT INFORMATION DISPUTED BY CONSUMER, MEETS FCRA REQUIREMENT '' My wife or I has not entered a dispute with Transunion. So please remove that remark, as it is clear it was only added to lower her score for that account.
Product: Debt collection

Company name : XXXX XXXX XXXX. 

issue, this company continues to violate the fair Credit reporting Act and the Fair debit Collection Practice Act.

This Collection company As well as the original cr
editor received my request to investigate this account as fraud a number of times. The problem is that every time I ask them to conduct a investigation, the credit reporting agency would open the investigation and 10 mins later I would receive a automatic response saying that my request was made in error. 

Everytime that I have to do this, takes away from my original request to have this investigated. 

more then enough information was provided to the company and to the credit reporting agencies to have this fraud account removed months ago. 

I feel that my rights are being walked over on. 

If you look at the screen shot of XXXX, it clearly shows that they are not keeping accurate records with my file. there are multiple names and addresses not mention the employer information shows companies that I have not worked for. 

in addition, navy Federal is trying to collect on this account twice.
Product: Debt collection

XXXX XXXX has continuously called me every other day for some other name that is not me. I notified him today after the XXXX call to please cease from calling me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a complaint to all Equifax, XXXX, and XXXX and at the same time, the XXXX. The complaint is number is XXXX. 

The complaint was about how a creditor on credit file, XXXX XXXX XXXX, sent me a threatening and coercing letter to me ( included attached ) and Im a deceptive manner referenced laws that did not exist in an effort to stop disputing legitimate complaints on my Credit report. 

It has been 46 days now and XXXX XXXX XXXX has not responded appropriately, honestly, or diligently to the complaint filed on XX/XX/2022, complaint number XXXX. 

They have attempted to conceal the complaint time and time again and tag it incorrectly, falsifying a U.S. Government document and entering falsifying data into the CFPB portal which has deprived me of my right to due process time and time again, and has broken state and federal laws in this process and actions. 

It has been 46 days and CFPB has done nothing yet to administer this complaint properly- and the credit bureaus have done nothing. 

I am going to sue everyone if you. You better start doing your job.