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

XXXX, XXXX and Equifax is reporting a Bankruptcy on my credit report as the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ( XXXX ), which is false. I have attached the letter from the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, verifying and stating that they do not report to any information to any credit reporting agencies nor do they verify any information on anyone who has filed any type of Bankruptcy through their courts. 
XXXX and Equifax are falsely stating this information on my credit report and has yet to remove this from my personal credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Macys acct ending in # XXXX for the months XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 states I have right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer agency can not furnish a account without written consent.

15USC 1666B : A credit may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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 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 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I received several emails from Bank of America stating that an account was opened in my name using my social security number, email address, and home address. I have spoken to bank of America on the phone and also went to their local branch, which is when I found out they had access to my social security and home address, and birthday. The bank instructed me to freeze my credit with the credit Union. My boyfriend froze his as well as a precaution with him being in the same household. We do not know what their intentions are, but are now very concerned knowing they have very personal information. I also received an email regarding changes to my unemployment benefits account which were made. I have not been able to get in touch with unemployment but am questioning that they may be related. The bank of America profile created with my information also stated that I worked for XXXX XXXX XXXXXXXX and I have never heard of or worked for this company before. The name on the profile was XXXX XXXX. I have never heard of this name before either.
Product: Credit card

On XX/XX/XXXX I saw a post by my friend XXXX XXXX regarding XXXX XXXX tickets. This is a friend of mine that I have known in person for many years. I told her I wanted to buy two tickets and she told me they would be {$900.00} Total. She asked me to pay on PayPal via friends and family and gave me an email address. I lied and sent her a screenshot showing. I paid her. I got an email confirmation that I paid her. However, she claimed she was having a problem with XXXX and couldnt send me the tickets. I then got a notification on XXXX that her account was hacked and then I realized I wasnt really talking to XXXX.when I logged into my PayPal account, I saw that the money did not go to XXXX, who I thought was supposed to go to, but someone named XXXX XXXX. My complaint is with PayPal. I immediately filed a dispute with Paypal and was told that the case was resolved in favor of the seller. I called them and sent screenshot proof that the money actually went to XXXX XXXX, and therefore it was fraud. I sent all the proof to PayPal, including the communication with the impersonator and proof how the money went to a totally different person. PayPal still refused to stop the transaction. PayPal should have stopped that transaction because the money was obtained fraudulently by an impersonator. They did not close their account after I showed them proof and they did not refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to TransUnion disputing the Fraud public records on my report, each time I send in a letter asking them how this was verified they refuse to comply and sends out a copy of my report. Twice in the month of XX/XX/2020, I have sent FTC reports and police reports about the fraud public records and each time they send me a copy of my report, BUT never show me their method of verification. I also gone a step further and reached out to XXXX this year in XXXX and they sent me a copy of my report with them with NO public records found. I also know US courts does not give information to 3rd party agencies. So when I filed my police report to show proof this was fraud Transunion again failed to properly investigates those inaccurate public records. I have also sent a letter to the Attorney General to file a civil lawsuit because Transunion refuse to review my police report and thoroughly dispute. I have reached out to every 3rd party agency such XXXX, XXXX, XXXX, XXXX and all shows no reporting of public records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my FTC identity report to this company and they sued me as well as still reporting these fraudulent accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of fraud, and I request the immediate removal of the collection account and any related inquiries from my credit report. I have evidence supporting my claim and would appreciate your assistance in rectifying this matter.Please delete the following collections and inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$8000.00} Thank you for your attention to this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$65000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of ( XX/XX/XXXX ), deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond within 35 days of my letter. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 10 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and removed immediately, following failure to verify, deleted from my credit report as soon as possible : 1. Other information I would like changed, XXXX XXXX XXXX Account Number : XXXX, please remove immediately. 

2. Validate Account : XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3.VALIDATE ACCOUNT : XXXX, ACCOUNT NUMBER : XXXX, PLEASE REMOVE IMMEDIATELY 4. VALIDATE ACCOUNT : XXXX XXXX XXXXXXXX XXXX  : ACCOUNT NUMBER XXXX, PLEASE INVESTIGATE & REMOVE ASAP 5. VALIDATE ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX. PLEASE INVESTIGATE & DELETE ASAP 6. VALIDATE ACCOUNT : XXXX XXXX. ACCOUNT NUMBER : XXXX. PLEASE INVESTIGATE & DELETE ASAP 7.VALIDATE ACCOUNT : XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX. PLEASE INVESTIGATE, & DELETE ASAP XXXX. VALIDATE ACCOUNT : XXXX XXXX XXXX. ACCOUNT NUMBER : XXXX The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law you had thirty ( 30 ) days to complete your investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX SS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BofA mortgage officer XXXX XXXX ( XXXX XXXXXXXX ) requested permission to run a hard inquiry on my credit. I did not get my consent for this pull. They ran my credit anyways. This is a flagrant disregard for FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thre major Credit reporting companies XXXX, XXXX XXXX and XXXX reports Fico number on me between XXXX to XXXX and here is a compny call SageStream LLC scoring my name and my credit at XXXX as of XX/XX/2020. 
I was trying to cosign for a frien with good credit to get a car loan at a better rate of interst because I thought that my score been higher will help, is matter of fact at did the day that day we sign the contract the car dealer gave us the worst case % that will be charging. 
then on XX/XX/2020 I get a letter indicating that they regret to infor me that they can't agreed to the terms first writen in the contract beacae of the score I got from Sage Stream. When I try to contact them they don't have anybody I can ask about my score only if I give Lots of personal information to them, I was worn by XXXX XXXX not to share such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  stipulated in a CFPB response that they were to notify all credit reporting agencies to erase all student loans from my personal credit bureaus. XXXX and XXXX XXXX did fulfill that request. Equifax missed the opportunity, but there is a possibility that XXXX  did not relay the information to Equifax. Is there a possibility that Equifax could complete the task and eliminate my student loans immediately> A quick response back will be greatly appreciated. Thank you. 

XXXX XXXX XXXX RESPONSE COMPANY 'S INTERIM RESPONSE The response to your Consumer Financial Protection Bureau inquiry from XXXX XXXX XXXX XXXX XXXX ( XXXX ) /XXXX XXXX XXXX XXXX XXXX XXXX XXXX Servicing is currently under review. Additional research is being performed at this time. You should expect to receive a reply shortly. 
Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response The Office of Consumer Advocacy ( OCA ) at XXXX XXXX XXXX XXXX XXXX ( XXXX ) performed a review of your account. Please Note : XXXX conducts its student loan servicing operations commercially as XXXX XXXX XXXX and for federally-owned loans as XXXX XXXX. In your inquiry you expressed concern regarding information submitted to the consumer reporting agencies regarding your account. We received and investigated your complaint regarding loans for which you were on record as the endorser. Based on our preliminary investigation, we have submitted to the consumer reporting agencies to remove the loans from your credit report, until we can perform a full investigation once the borrower completes and returns the Fraud Packet that is being sent.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security XXXX Consumer Date of XXXX, Contents of Complaint : This CFPB complain has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquires XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry Date : XXXX XXXX XXXX XXXX Inquiry XXXX : 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 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 reporting or other personal consumer reports

I hope this letter reaches you well. I am contacting you to discuss a troubling matter regarding my credit report. After a detailed review of my credit history, I've discovered discrepancies related to late payments associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


These inaccuracies concerning late payments significantly distort my credit report. Therefore, I urge you to promptly correct this information. Enclosed are supporting documents such as bank statements and payment records verifying timely payments for the specified accounts.
Product: Money transfer, virtual currency, or money service

My complaint is against Skrill. I had {$1000.00} deposit into my Skrill account and when I went to transfer my money over to my bank account they put my account on restricted and not allowing me to use or move any of money. When I asked why I was told I had to wait 72 hours to regain access. 72 hours later and still no access and NO help or answers from Skrill. I think theyre just keeping my money and hoping I forget about it because I cant get an answer from anyone. I want to close the account after this but I dont want them to be able to keep my money. I dont even think I could close it as I cant do anything under the restrictions.
Product: Student loan

I applied for the Save Plan 10 weeks ago ( on or around XX/XX/XXXX ). Switching plans would bring my student loans down to XXXX because my salary is currently low. After about a month with no traction ( and no communication ), I saw on the website that my loan payment remained the same amount it used to be. I called Nelnet to see what the hold up was, they assured me it was processing and I just needed to wait. That was the beginning of my arduous back and forth with Nelnet. Over the following weeks, I proceeded to call them five more times ( most with 2-3 hour wait times on hold ). 

Each time I called, the loan servicer told me the same thing. It was " processing '' and it was nothing to worry about. They couldn't give me more information but assured me the line was just long to get approved. They couldn't pass me along to someone else for one reason or another. They told me to continue to wait and it would be handled. 

By the time late XXXX rolled around, my interest started accruing. With my first student loan payment due XX/XX/XXXX, I became more nervous that this wasn't getting solved. I called several more times ( waiting nearly 3 hours every time to talk to a loan agent ), who told me the same thing : it's still processing and they don't know why but there's nothing they can do. When I asked for an administrative forebearance, they said it was impossible. I would be responsible for making payments and interest despite this being the fault of Nelnet. By their own account, they've told me there's no reason the approval of my application should take so long, but can't give me any more information. I believe they are acting in bad faith to get more money out of me. Regardless, their ineptitude should bare the responsibility of my payments and interest ( which has accrued to over XXXX dollars already and counting ). 

Friday XX/XX/XXXX, I insisted to speak to a higher-up, but was told no one was likely to answer. My agent assured me she would call me again the following Monday at XXXX AM. No call ever came. 

There has been no earnest attempt by Nelnet to solve this problem or direct me to someone who can, despite my repeated attempts to do so. This is causing me great XXXX, stress, money, and time ( I've spent nearly 15 hours on hold now with no solution, and have had to take that time during work hours ). I can not afford my payments but have now been pushed into a corner -- pay them or go into forbearance which would jeopardize my ability for my loans to be forgiven in 20 years ( as confirmed by a student loan agent over the phone ). I have no other ability to get this solved and have advocated for myself in every way possible, but Nelnet will not assist me.
Product: Checking or savings account

My direct deposit from my job has not been made available to me from Capital One Bank. 
They say theyre working on it but its been two days and I dont have money! 
I cant pay my bills. 
If Capital One is no longer a good bank Consumers should be notified
Product: Credit reporting, credit repair services, or other personal consumer reports

I have updated information : In accordance with the Fair Credit Reporting Act XXXX Account Experian, has violated my rights. 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15 usc 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.The account in question is the XXXX XXXX account has a late payment my profile and Experian reported that without my consent.
Product: Debt collection

Consumer Financial Protection Bureau Subject : Dispute of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to dispute an account that appears on my credit report, which I believe to be inaccurately associated with my name. The account in question is with I.Q DATA IN, and the account number is XXXX I have reviewed my credit report and have confirmed that I do not have any affiliation or association with the mentioned account. This account is not mine, and I am concerned about the potential impact it XXXX have on my credit history. 

I have dispute with the XXXX CREDIT BUREAUS, on XX/XX/XXXX, through XXXX XXXX have recently sent in where my credit file was stolen with police reports. I kindly request that Consumer Financial Protection Bureau investigate this matter and work to correct the inaccurate reporting promptly. 

I appreciate your prompt attention to this issue and your assistance in resolving this dispute and removing this matter off my credit report. Please feel free to contact me if additional information is required. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting

I 've disputed XXXX credit cards that were paid in full and are n't reflected as updated. 

Experian 's " investigation '' did n't end up removing XXXX of the cards, my XXXX card. This information is inaccurate and still remains on my credit report. The account has been paid and should reflect this.
Product: Credit card

Over the past several months my interest rate has skyrocketed. I am sure that, I did not, nor would have agreed to the terms and conditions of owning a Barclays credit card as they have explained to me. I have, on several occasions, requested to receive a copy of my contract. Each request has been met with a different reason as to why I can not have a copy of the agreement.
Product: Debt collection

Original creditor : XXXX CREDITNINJA LENDING LLC. 

I Have Never Been Associated with this Company, Nor have I Myself Applied for a Loan with this Company. This is a Result of IDENTITY Theft And I Would Like for this Information to be REMOVED from My Credit Profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. The coding on this item is incorrect and stuck in past due status. This is a F.C.R.A. violation and is mandated to be corrected and/or completely removed from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

On XX/XX/XXXX I was told by the XXXX XXXX XXXX that my mortgage escrow incorrectly paid both my neighbors and my parcels tax payments. On that day I called Shellpoint mortgage which was my mortgage lender and held my escrow at the time asking them to fix the issue. I confirmed at that time in my Shellpoint escrow online account that they incorrectly paid {$3400.00} for my neighbors taxes. 
I have followed up via email and phone over 20x in the last 3 months and no one from Shellpoint has yet to contact the XXXX XXXX XXXX to get the incorrect payment refunded. 
On XX/XX/XXXX I got confirmation from the XXXX XXXX XXXX that no one from Shellpoint has reached out to request a refund. 
My mortgage has since been switched to a new lender, and I keep following up with Shellpoint with no communication back from them.