23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called into Nelnet on XX/XX/2017 @ XXXX notified the representative that my car was stolen and I was not in a position to make a payment. The representative informed me that I qualified for a forbearance which would prevent my account from being reported negative to the credit bureaus and allow me time to deal with the hardship that came from my car being stolen. He stated that he placed the account on a forbearance and that I did not need to make payment. In XX/XX/2017 I applied for borrowers defense and called to confirm that the application was received and they confirmed that the account was on forbearance. Recently I checked my credit report and noticed there are five missed payment reported from XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017 for all five accounts. That is twenty-five missed payments from a time that the account should have been placed on forbearance. I immediately called Nelnet who stated " they did not have record of the call or the account being on forbearance ''. The manager requested that I send in my credit report and my phone records of the call. I did. Once they received the information that they requested to remove the errors caused by their representative, they stated although the call was made, they were not going to remove the inaccurate information. The accounts were never placed into forbearance by a Nelnet representative and their error is showing on my report. Had the representative completed his responsibilities correctly there would have been no missed payment to report being that the account would be on forbearance. Nelnet is entrusted with the responsibility to report accurate information to the credit bureaus and their employees are entrusted to accurately complete the tasks that their duties require because a Nelnet representative failed to accurately complete their responsibility inaccurate information was placed on my report. This error is not mine and the missed payments that were reported for the XX/XX/2017 months of XXXX, XXXX, XXXX, XXXX and XXXX are not accurate due to the error of the Nelnet representative. This false information by law needs to be removed from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX  XXXX {$420.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$710.00} XXXX XXXX {$130.00}
Product: Debt collection

Ally financial says I opened the account of XXXX XXXX in the amount of XXXX it was identity theft I did not have a car and they have yet to send me any proof that it was me. And then another company other than them keeps calling me asking about this account now
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that I did not pay student loans in XXXX. During this time there was a mandatory hold on student loans as a result of Covid-19. Furthermore, my loans are all on deferment as I was and currently am enrolled in school.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps verifying and verifying and verifying on a derogatory remark that I DO NOT OWE.. XXXX and XXXX already removed it but it keeps coming back verified with no signature or legal documents on Equifax. Ive sent them 3 letters asking them for verification purposes biding my signature XXXX, XXXX and XXXX/XXXX/XXXX. All they say is verified without any legal documents or no proof. Its gotten to the point where its affecting my daily life because an apartment complex is reporting is me to a credit bureau on a lease Ive never signed. Also my very last letter I sent on XXXX/XXXX/XXXX they never contacted me back in writing. Theres also 1 more item on my report thats theyre giving me problems with thats unverifiable. The amount of both deragtory marks are {$2700.00} - for the apartment lease I never signed and {$150.00} that I have no clue about.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has 2 inquiries on my credit report at the same time XX/XX/XXXX and XX/XX/XXXX of XXXX i did apply but was told that this will a soft check since i already have an account with them
Product: Debt collection

My son is covered by XXXX and the Medical office XXXX XXXX in XXXX XXXX billed incorrectly and sent his account to collections. The office fixed the billing issue and XXXX paid the bill but the debt collection agency has not removed the account from credit report. I have filed no less than four official disputes through XXXX, XXXX, and XXXX to get the account removed. My next step is to hire an attorney and sue to get it removed.
Product: Student loan

I recently applied f or FAFSA after 13 years of being out of School. I noticed that I had and subsidized loan listed out with Navient per the FAFSA website  which is correct because I am making payments.   XXXX  I contacted Navient and they stated that the lo an is Unsubsidized but ha ve not presented proof. I called on yesterday and was repeatedly told the loan was unsubsidized. I called today and was told that navient would contact  XXXX   XXXX  and provide me with proof that the consolidated loan was unsubsidized. Navient charged me interest on a loan that was deferred and subsidized.
Product: Checking or savings account

XXXX share rides authorize the maximum amount for the trip as a pending charge. Once ride is completed, the specific amount is charged and pending amounts are to drop off within 2-3 business days. There are 30 transactions where Chime has not dropped these pending amounts and put monies back into my account and supervisors don't even understand it is there accounting error/delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX year old mother was recently diagnosed with XXXX XXXX XXXX. As a result, I took over her finances and noticed a recurring charge for XXXX XXXX against her Bank of America account for $ XXXX/mo dating back to 2011. My mother did n't know what this, but I soon learned that BofA had settled with the CFPB for what amounted to over {$700.00} XXXX in total. The problem is that they are still at it. They 're using the trust developed between consumers and their banks over decades to sell worthless services to vulnerable consumers. My mother was ensnared by the practice years before her XXXX XXXX. Her crime was trusting the bank she 's done business with for decades. It 's upsetting. In the 5+ years that she was 'enrolled ', they stole about {$700.00} from her and I 'm sure her story is repeated far and wide. It 's really disgusting. Luckily for us, {$700.00} is not a great deal of money, but I 'm sure it 's a lot for the many other victims.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) 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 or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Debt collection

My mother passed away recently. A letter came to the house from Philips & Cohen Associates stating that the client they represent is trying to get ahold of the estate or executor of my mother to resolve a debt. In the letter, they did not say whom the client was or what the debt was. It just had a phone number to call and a PIN number to give to reference the letter. Upon research, the company is a scam. They make it seem like theyre a law firm but it is not. They didnt say whom their client was or what the debt was from.
Product: Mortgage

I asked Rocket mortgatge for an explanation and reason for transferring my mortgage and they refused to answer the question. I want it in writing.
Product: Debt collection

I am writing to bring to your immediate attention a critical matter regarding fraudulent accounts on my credit report. Upon a thorough review, I have identified several accounts that are not only unauthorized but also present a serious risk to my creditworthiness. I assert that these accounts are not legitimate and have been included in my credit report without my consent. I have taken immediate action to protect my identity and have reported these fraudulent activities to the appropriate authorities. Furthermore, it is evident that there is insufficient information to verify the authenticity of these accounts. I request a comprehensive investigation into these accounts, and in the absence of concrete evidence supporting their validity, I insist on their immediate removal from my credit file. The fraudulent accounts in question are as follows : 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 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 XXXX XXXX XXXX XXXXXXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I mailed a notarized dispute letter and it was certified disputing unverifiable items on my report. They received the letter on XX/XX/XXXX and they have failed to respond. Today is XX/XX/XXXX. It should have been post marked by XX/XX/XXXX. By law they are required to remove items since they failed to completed the investigation and or provide requested/required documents.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I had dropped my phone in XXXX, NY while I was on a XXXX  call. I was using XXXX  so I didnt know I dropped it until I got disconnected from the call. Whoever found my cell phone, they were able to get into the XXXX app and send money via Zelle. They also used XXXX, XXXX, XXXX and XXXX. However XXXX still claimed that I was the one using Zelle to send money.

When the theft occurred in XXXX, I attempted to contact Zelle

but there is no direct customer service number available. I went to my local police dept and they said I'd have to give them bank statements showing the theft. I went to XXXX and they told me the bank statements were not ready yet for XXXX. I had to wait, meanwhile I tried contacting Zelle again and I couldn't get in contact with Zelle at all. 
I told XXXX XXXX about the theft and they refuse to refund the money and told me to contact Zelle ( XXXX claims they denied it due to my transaction history of using Zelle which is completely false. I rarely used Zelle and NEVER sent anyone {$1000.00} or {$900.00}. The total amount of the theft was {$2900.00}, I money I save for a new apartment ). 
The Zelle transfers was money sent to 3 different women : XX/XX/XXXX {$1000.00} to XXXX XXXX XXXX XXXX ), XX/XX/XXXX {$1000.00} sent to XXXX XXXX XXXX XXXX ) and on XX/XX/XXXX {$900.00} sent to XXXX XXXX ( XXXX ). 

I managed to locate the Fraud form on the Zelle website and filled out forms on XX/XX/XXXX. I did a form for each transaction. I included the payment ID. I received NO confirmation that they received the Fraud forms.

Please inquire on my behalf and get some answers. Both XXXX and have been useless in resolving this issue.

Thank you and God bless you!
Product: Payday loan, title loan, or personal loan

I signed a contract with Solar Mosaic through XXXX XXXX XXXX to install solar panels. 

Solar Mosaic approved me for the loan, however, they did not make me aware of the daily interest rate. 

The panels were installed in XX/XX/XXXX. They were NOT operational. 

Solar Mosaic started taking a little over {$200.00} starting XXXX of XXXX. 

The panels became commissioned and operational XX/XX/XXXX. 

However, of the over {$1800.00} I had paid to Solar Mosaic from XX/XX/XXXX to XX/XX/XXXX. It all has gone toward interest. At this rate, I will be paying interest for a few years before it start taking principal. 

I gave filed complaints with Mosaic, however, they would send a generic email stating XXXX XXXX is working on the issues. At this point, Solar Mosaic is stealing my money because having these panels have not decreased my electric bill at all. 

There is a federal lawsuit against XXXX XXXX and i have reasons to believe that Solar Mosaic knew of the fraudulent practices committed by XXXX XXXX. One reason being that XXXX XXXX would be paid by Solar Mosaic as soon as the panels are installed, not completed. 

Please help me out this loan.
Product: Debt or credit management

Diverse adjustments I have not ever dealt with this company before this just randomly reported on my credit report I think its unfair and should be removed to
Product: Credit reporting

I am having a bear of a problem with Equifax. Back in late XXXX, I sent them a letter asking them to investigate mistakes that appeared on my credit report with their organization. From what I understand, they are supposed to respond within 30 days. I have sent them a bunch of letters asking for a response, but Equifax just does n't respond. I just do n't know what the problem could be.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, TransUnion data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXXXXXX and XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, TRANSUNION DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Debt collection

XX/XX/XXXX certified mail to verify debt belonged to me was sent there was no response. Portfolio Recovery Associates showed up as a collection on my credit report XX/XX/XXXX which I then requested debt verification through both XXXX and XXXX, the results came back the consumer disagrees. On XX/XX/XXXX I requested debt verification and provided proof that Portfolio Associates was not legally allowed to collect any debt in Pennsylvania, again the response was, they disagree even after providing proof.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Request for Assistance Regarding Experian and Employment Purposes Violation Dear CFPB Team, I hope this letter finds you well. I am writing to seek your assistance concerning an ongoing issue I have been experiencing with Experian, a consumer reporting agency. It has come to my attention that Experian continues to use my personal information for employment purposes, which I believe violates 15 U.S. Code 1681b, specifically regarding permissible purposes of consumer reports. 

As stated in subsection ( A ) of this code, a consumer reporting agency may furnish a consumer report only under specific circumstances, including when the information is intended for employment purposes. Despite my repeated attempts over the past XXXX months to rectify this issue with Experian, I have not seen any progress. 

I would greatly appreciate your guidance and assistance in resolving this matter promptly. Thank you for your attention to this issue, and I look forward to your response. 

Sincerely,
Product: Mortgage

PHH Mortgage is my home mortgage. It was originally OCWEN. Its in the process of a name change to XXXX. 

The mortgage company never told/notified me that my account was referred to a law firm for collections. I found out when the final payment was made because my home was being sold, which was XX/XX/year>. Also, when my mortgage was late or not paid it was on the account of others. ( Example : My two ( 2 ) SSXXXXI checks were to be directly deposit into my account with XXXX, was diverted to a bogus account with XXXX and I was without my monies {$1200.00} x 2 ( {$2500.00} ) ( Social Security Admin sent me the paperwork for filing a police report ) My report does not reflect that it was sold, not final payment made AND its still under my name.
Product: Credit reporting

XXXX ran my credit 7 times in one day and they were only authorized to do it once. They ran it through XXXX twice, XXXX and XXXX bank twice. All on XXXX XXXX 2015. These XXXX hard inquires have majorly effected my credit score.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates states " We sent our initial notification letter to you on or about XX/XX/2020. We have no record of a request or dispute being received in relation to our initial notification. '' This is in the complaint # XXXX response. Portfolio Recovery I did not receive a notification of this debt collection. What address did you send the notification to? You did not mail the notification to my present or past address. I demand a copy of the notification letter you sent XXXX XXXX for my records. 15 U.S. Code 1692b - Acquisition of location information
Product: Credit card

IN XXXX i had a XXXX  XXXX credit card where i make a minimum payment of XXXX dollars I WAS INCASTERATED AN FSCING FINANCIAL HARDSHIP I WASENT BE ABLE TO MAKE PAYMENT AS XXXXSETO I GOT RELEASE IN XXXX AND TRY TO GET MY LIFE BACK ON TRACK BUT THIS CHARGE ON MY CREDIT IT HENDERING ME FROM FUTURE OPPORTUNITY
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX- XX-XX-2016 XXXX XXXX XXXX XXXX -XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 The inquiries that I have written above are unauthorized. I did not allow anyone to use my personal information to obtain goods. XXXX and Transunion have not removed the fraud inquiries from my credit report even though i have disputed them multiple times.