23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because i was a victim of Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that i was a victim of this breach and Equifax has done nothing. Please help me delete these illegal accounts from my Equifax credit reports. I have listed all accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Removed my TransUnion credit freeze in late XXXXearly XX/XX/2020 so that I could apply for a new credit card and also explore interest rates to refinance my student loans during the interest rate cut/coronavirus financial crisis. I removed the freeze via their website, however, it soon became apparent that the freeze was not removed, as both credit card and student loan financial institutions called/sent letters/reported that they could not retrieve my credit due to a freeze in place by TransUnion. 
I called TransUnion and they said they were having issues with phone calls due to high volume, so I was placed on a wait for over 2 hours and never reached anyone. 
I then started to communicate with TransUnion via @ AskTU via XXXX XXXX. My conversations started with them on XX/XX/2020 ( file # XXXX ). After 9 days of communicating with someone via this method my issue is still unresolved. TransUnion promised me my issue would be resolved within 48-72 hours, only to reach back out to them 96 hours later after promising to remove the credit freeze and the rep saying there is no issue on her end. I have proven through screen shots that TransUnion continues to report my credit status as " Unknown? '' both on their website and XXXX app. I tried again applying for a credit card and was denied, receiving a phone call and letter stating there is a TransUnion credit freeze on file. I feel as if my credit is being held hostage by this company for several weeks now and I have no control over it. It is my credit! No one company should have the ability to hold up my right to apply for credit during this unprecedented time. I feel as if TransUnion is personally responsible and should be held accountable for not resolving a simple credit freeze issue over a matter of several weeks. Their delayed responses and lack of resolution is completely unacceptable as a consumer. There should be no computer glitch or high volume excuse allowed from this company, as I feel victimized in not being able to access my credit. I need help NOW, as I still do not have access to my credit 6 weeks later.
Product: Checking or savings account

Bank of America has utterly violated and disrespected me in regards to my business and personal account which i was forced to cancel because of there henious acts. XXXX a company that was introduced to me by bank of america were making unauthorized transactions even after canceling services and complaining to bank of america. I requested bank of america to block XXXX from having access to my account and they denied my request .my second issue with bank of america is with a claim that i filed in XX/XX/2020 against a fraudulent travel agency called XXXX to receive funds back for services that were incomplete and purposely negated. Because of covid - 19 protacols XXXX the airline canceled the original flight booked for XX/XX/2020 which XXXX was responseble to reschedule the flight. A flight that is not cancelded by a customer but an airline is the pure responsibility of the agency to supply a customer with a reimbursment in the form of a voucher if rescheduling is uncapable. The incomptence of bank of america ; no receipts just word say they took back the money that was reimburesd and quote on quote gave it back to XXXX because XXXX claimed to irresponsible which may be fiction because there reputation precedes them for theft they have committed against less fortunate citizens in a time of a crisis by stealing there stimulus checks. There process of investigation is not based on phone calls nor sources for facts just word say. After the fact i found out XXXX  has had over XXXX k complaints against them in the past three years on the XXXX XXXX XXXX ive also told this to bank of america in my counter claim as well as for them to get in contact with XXXX and call the phone number of XXXX XXXX that was given to me in the confirmation email in the time of the ticket purchase because seemingly i can never get them on the phone. this banking institute is illiterate ; i have submitted my counter claim on XX/XX/2020 and have not received my funds back nor a response
Product: Debt collection

I TOOK THIS LOAN OUT AND I PUT MY MISPLACED DEBIT CARD ON AND CALLED AND PUT IT ON HOLD UNTIL I FOUND IT. THEY TOLD ME THAT ONCE I PLACE A CARD ON HOLD THE CARD WILL BE FROZEN AND SENT A NEW ONE. I EXPLAINED THAT TO THEM AND IT A XXXX CARD I REQUESTED A NEW CARD ASAP, THEY TOLD ME IT WILL COST XXXX DOLLARS. I EXPLAINED TO THE LOAN PLACE AND TELL THEM I AM WORKING ON IT THEY CALL ME EVERY DAY AT WORK EVEN THOUGH I ASKED THEM NOT TOO. THEY GOT ME IN TROUBLE ON NUMEROUS OCCASIONS.
Product: Credit card or prepaid card

I have reported this matter to chase credit card services and I have provided a police/ftc report XXXX They are stating these transactions are valid when they are not. I had lost my drivers license with my wallet and my credit cards in my wallet. I need this to be resolved i will be escalating this matter to where it needs to be escalated to get it resolved. I am not responsible for any charges and need this to be taken care of and can not afford to pay for someone elses transactions.
Product: Mortgage

I am a victim of a predatory mortgage lender. Since XXXX, I have tried to refinance my 7.99 % ARM and 11.99 % fix mortgage with HSBC with no luck. We are upside down mainly because of the high interest rate on the XXXX XXXX and peanuts have gone toward principal the past 10 years. ( Refinanced with them in XXXX. ) Adding just interest since XXXX, over {$150000.00} has been paid to this company already but that 's still not enough. ( To put things in perspective, our home was purchased {$150000.00}. ) Because we are not a FFA loan and we are upside down, no other lenders or programs helps us or wants to take on the fight with HSBC. ( And we have tried several attempts over the years. ) We are two months behind and requesting HSBC work with us now. The only response we have received past years is a few months modification and we are returned back to the outrageous loan regulations. HSBC states : " We do not refinance, only can offer temporary modifications. '' Today, the response from HSBC states our only options are a short sale or foreclosure. We do not want to lose our home, we just want an affordable home monthly mortgage payment.
Product: Credit card or prepaid card

I opened up a XXXX XXXX credit Card in XX/XX/2018 at XXXX XXXX XXXX XXXX. After opening the card I was attempted to pay off the purchase that made the same day that u opened the card, however I was told that I had to wait until I received the credit card. In addition, I was told that I would receive the credit card in approximately a week. After a few weeks lapsed I never received a card, months went by and I still havent received a card. I reached out to XXXX  XXXX via phone and explained to them that I never received a card in the mail and nothing was done. Therefore, I went to the store where I opened the card and was able yo pay off the amount of roughy {$38.00}. I paid off the balance with the manager at the time and I explained to her that I never received a card and wasnt able to pay the balance. After about a year I never received the card but I received a letter stating that I owed $ XXXX. I explained to the company that I never received the credit card in the mail and that I had paid off the debt that I owed. Furthermore, I asked for the location of the store where the items were purchase and what was purchased, no one was able to disclose this information to me, and they offered me a settlement of approximately {$170.00}, and I explained to them that I had already paid off my he credit card, despite me never receiving one.
Product: Student loan

On XX/XX/22 I received a letter from FedLoan Servicing about my PSLF qualifying payment update. It says it includes any periods we have assessed as eligible or qualifying under the Limited PSLF Waiver. However I believe this information to be incorrect as there was no adjustment to my qualifying payment counts and there should be and they are not able to clarify. 

FedLoan has incorrectly estimated my qualifying repayments and I deserve a fair and accurate recount and transparency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my car loan with LendingClub. Previously I had a couple personal loans with them as well, they were fine, no problems. This loan 's not being properly reported to credit bureaus. They report it only to XXXX. Not XXXX XXXX, not XXXX have any information about this loan, which is hurting my credit score. I tried to contact Lending Club 's customer service by the phone and via mail. In the past 6 months I've made about 4-5 phone calls. The last one was about a month ago. Every time they say, that they'll look into it. I also mailed a letter about a couple months ago to the address on the back of the statement ( the one they say to use, if credit reporting is incorrect ). A couple weeks ago they sent me an email asking to write a review on their website, which I did. I gave them 2 stars out of 5 and explained the situation. Thought it might attract their attention. All they did is blocked my review and sent me another email, saying that the review did not meet they guidelines.
Product: Student loan

I received a letter today ( XX/XX/XXXX ) sent by Sloan Servicing From nelenet on XX/XX/XXXX stating my level payment will increase from {$120.00} monthly to {$520.00} monthly beginning next month XX/XX/XXXX. I've had this loan originally through XXXX XXXX XXXX XXXX XXXX Funds merged with XXXX XXXX in XXXX which then became nelnet, and now Soan Servicing. I took a forbearance for about 5 years back in XXXX while I went back to school to finish my degree. Since XXXX I have paid on the loan consistently and have never missed a payment. My original loan amount was {$20000.00} and remains {$11000.00} after paying on the loan for 20+ years. I had called XXXX XXXX years ago about why my balance wasn't changing, but was just asked if I wanted to apply for a forbearance. They didn't address my issue. I've paid over XXXX XXXX monthly at times depending on the company. Again, these companies have merged and changed names. My loan hasn't been bought or sold. Something is not right. Let alone the fact they can increase my monthly payment by {$400.00} monthly citing a promissory note probably signed back in XXXX. I've taken other loans out to finish my education starting back in XXXX and have had them paid off for 5 or more years now. Something is off with this company and this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and verbally contacted Experian many times via certified letters and long phone calls requesting them to delete XXXX address that are not mine : XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. 

To the best of my knowledge, these addresses belonged to my father who had the same name and who died in XXXX back in XX/XX/2021. I have been very patient with Experian expecting them to remove these detrimental mixed addresses but recently it has come to my attention, by the XXXX police, that these addresses were involved with Identity Thief activities in South Carolina.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to obtain my free annual credit report from Equifax, which is supposed to be available online and via hard copy mailed to me. 

When completing information on the Equifax website, the website indicated Equifax could not provide my report online. I would have to mail various documents to them to prove my identity and get my report.The website screen is pasted below : " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to : Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms, etc. ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. 

Download Acrobat reader Return to Annual Credit Report '' This progress ruler appears at the top of the section where you request your Credit Report : Fill out Pick the reports Review your Get your next Repeat these steps a form you want reports online report or finish for each credit report ( Last Box in progress ruler ) Have questions? 
Contact us Contact us I am not sending a letter containing documents like my Social Security card and name/address info to Equifax that could be pilfered or lost in the mail. 

Equifax just settled the suit re hacking of its website that it failed to prevent. It is providing relief to customers or paying fines totalling $ XXXX XXXX. If it can do that, it can afford to produce reports for customers online. Not doing so is a shoddy way to do business for the critical service it provides to the public.
Product: Credit reporting or other personal consumer reports

This complaint is based on XXXX  reporting of a XX/XX/XXXX late payment on the following account : Creditor : Wells Fargo Account Number : XXXX Late Payment Date : XX/XX/XXXX Bureau Involved : XXXX  I submitted a formal dispute and requested that XXXX  conduct a proper investigation into this negative item. However, XXXX  has failed to provide sufficient documentation verifying the legitimacy of the late payment. No billing statement or due date confirmation was provided, violating multiple federal protections. 

Relevant violations include : FCRA 15 U.S.C. 1681i, 1681s-2 ( b ), 1681e ( b ) TILA and FCBA 15 U.S.C. 1637 ( b ), 1666 ( b ), 12 CFR 1026.5 ( b ) UDAAP and Regulation V 12 CFR Part 1022 Equifaxs response appears to have been automated and did not involve a meaningful reinvestigation as mandated under the FCRA, as reaffirmed in Cushman, Burke, and CFPB v. Experian ( 2025 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account:XXXX from XXXX XXXX XXXX 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 an account without my written instructions. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I don't recognize this account ; and I have never been applied for a Credit Card from XXXX XXXX XXXX, this account is a Fraudulent account. 
Failure to conduct a reinvestigation ; request for damages under the FCRA
Product: Debt collection

I have no knowledge of this debt owed. This is an inaccurate item on my credit report that does not belong to me and continues to negatively impact my credit. Please Provide evidence that the debt belongs to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries listed on my credit report, which I obtained on [ Date of Report ]. The following inquiries were made without my consent and are inaccurately reflected on my credit file : XXXX XXXXXXXX - Inquiry Date : XX/XX/year> XXXX - Inquiry Date : XX/XX/year> XXXXXXXX XXXX - Inquiry Date : XX/XX/year> XXXX XXXX - Inquiry Date : XX/XX/year> These inquiries do not reflect any legitimate or permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related laws. Specifically : FCRA Section 604 outlines permissible purposes for which inquiries may be made, emphasizing that inquiries must have the consumer 's consent.

FCRA Section 609 affords consumers the right to dispute inaccurate or unauthorized information on their credit reports.

FCRA Section 611 requires that consumer reporting agencies investigate disputed items, such as unauthorized inquiries, and correct or delete information found to be inaccurate or unverifiable.

Additionally, the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or because an applicant receives income from a public assistance program.
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 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 XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy 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
Product: Student loan

I have been set up with Navient ( formerly XXXX XXXX XXXX in the automated debt repayment program since 2013. Most recently when it transferred to Navient I had to re-enroll in the program and my payments began in XXXX with Navient. Just recently I learned that Navient has been reporting to XXXX stating that I have a delinquent account with them. On their website it shows that I am past due over {$380.00} when in reality I have made ever automated payment on time since Navient has taken over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

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
Product: Credit reporting or other personal consumer reports

According to FCRA section 605B it is illegal to report anything on my credit reports without my permission. Please remove this negative item. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding my account with the items in questioned. I believe my situation deserves immediate attention and resolution. 

I have encountered persistent issues regarding the removal of a late close on my account, which is included in a bankruptcy. Despite numerous attempts to rectify this matter through various channels, the issue remains unresolved, causing me significant distress and inconvenience. 

I filed for bankruptcy, and my account with XXXX XXXX was included in the bankruptcy proceedings. As a result, I expected that the late close on my account would be appropriately addressed in accordance with the legal processes outlined during bankruptcy. 

However, despite my best efforts, such as contacting customer service, submitting documentation, etc. ], the late close remains on my account, adversely affecting my financial standing and creditworthiness. 

I understand that mistakes can occur, but the persistence of this issue has prompted me to bring it to your attention formally. I kindly request that you investigate and resolve this matter promptly. I believe in fair and just practices, and I trust that Credit Bureaus will take the necessary steps to rectify this situation in a timely and efficient manner. 

If there are any specific documents or information required from my end to facilitate the resolution process, please let me know at your earliest convenience. I appreciate your attention to this matter and look forward to a swift and satisfactory resolution. I am asking for your assistance to remove these items in my credit file : XXXX XXXX XXXX Balance : {$1100.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX Balance : {$85.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXX : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it. 

XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like this Credit Acceptance to remove my late payments. This was due to Covid when everyone was locked in their home and could not work.