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

I recently reviewed my TransUnion and XXXX credit report and I noticed there were inquiries and a account that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 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 and I want these items removed ASAP because it had a negative impact on my credit report
Product: Student loan

I contacted Navient in XX/XX/2018 requesting to continue my hardship program informing them that I am still having financial hardship and to please consider allowing me to keep or lower my current scheduled payments. I was hung up on three times until I finally reached someone, then placed on hold for about 25-minutes not realizing my credit report was being pulled. When the person came back, she then advised me that I had acquired new debt and didn't qualify since new debt had been acquired. I was a bit confused because I wasn't sure what she was talking about since I was unaware my credit had been pulled without my authorization and new debt had not been acquired. Regardless -- a loan had been refinanced to lower payments because I was unable to pay the amount. I then received a over draft because Navient took larger amount that I was aware out of my checking account and now they've increased payment to double the amount and refuse to work with me unless I will provide my bank and pay check stubs. They don't take into account two car payments, living expenses, nor the fact I can't even pay my private loan ... they are forcing me into bankruptcy and rude. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account XXXX XXXX Account # XXXX. Because accounts that are incorrectly reported by your company and XXXX, XXXX XXXX XXXX are different, this means the account has not been properly verified. Please delete this account immediately
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Florida Laws Dear GENESIS CREDIT MANAGEMENT, I am writing to address the unauthorized reporting of information to my credit report, as prohibited under the Fair Credit Reporting Act ( FCRA ) and Florida identity theft fraud laws. 

It has unequivocally come to my attention that GENESIS CREDIT MANAGEMENT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Florida state law also emphasizes the protection of consumer rights in cases of identity theft and fraudulent activities. According to Florida Statutes Section 817.568, unauthorized use of personal identifying information is a severe violation. Furthermore, Florida Statutes Section 559.72 provides protections against unfair debt collection practices, which include the unauthorized reporting of consumer credit information.

I assert with unwavering certainty that I have not provided consent for GENESIS CREDIT MANAGEMENT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that GENESIS CREDIT MANAGEMENT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 817.568 and 559.72 of the Florida Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft and fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Florida state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that GENESIS CREDIT MANAGEMENT will promptly rectify these egregious violations, respecting my rights under federal and state laws.
Product: Student loan

I made a call when I was struggling to make my monthly student loan payments about possible repayment options. They told me that if purposely missed my scheduled payment someone from their " hardship '' department would reach out to me within a few days to talk about repayment options. I did this and waited a few days and did not hear from any such department so I called again and was told that their hardship department was actually collections and there are no repayment options. I was completely mislead to believe that if I didn't make my scheduled payment a department would reach out to me directly about repayment options. I am still struggling to make payments and have received little to no help from the loan company.
Product: Debt collection

This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : HARRIS ( Original Creditor : XXXX XXXX XXXX ) XXXX {$160.00} Date Opened : XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
XXXX
Product: Credit reporting or other personal consumer reports

The weight of this ordeal has grown increasingly burdensome as each day passes without resolution. Before all of that, I'd like to inform you that I am the person making this complaint & I give cfpb authority to investigate this claim. My attempts to seek justice and protection against the heinous crime of identity theft have gone unanswered for an inexcusable length of time. I implore your bureau to recognize the urgency of this matter and the severe consequences of continued delay. Identity theft is a crime that erodes the very foundation of one 's security and trust, and the victims deserve nothing less than immediate attention and action. The following fraudulent accounts have been reported on my credit profile : XXXX  ( Original Creditor : XXXX XXXX ) XXXX and XXXX XXXX  XXXX. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft.
Product: Payday loan, title loan, or personal loan

For the most part I have paid as promised, However ; for a time, I was unable to make payments on the scheduled date. I asked and was denied for them to stop deducting from my account. I am currently submitting a written letter. Each week they attempt to take money from my account on varying days as well as on the authorized date. This always causes an overdraft fee and often causes other checks to bounce.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX 

I recently received a copy of my credit report and found that this company is illegally reporting inaccurate information about me. The following alleged accounts is listed as a collection with a PAST DUE balance. This information is incorrect or fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute significant discrepancies in the reporting of my XXXX account ( XXXX XXXXXXXX ) across all three major credit bureaus : XXXX, Equifax, and XXXX. The inconsistencies in the reported information have led to a negative impact on my credit profile, including an unjustified 30-day late payment. These inaccuracies not only misrepresent my financial behavior but also violate several provisions of the Fair Credit Reporting Act ( FCRA ). I request the immediate removal of this account from my credit reports and compensation for the potential damages caused by these reporting errors. Below, I outline the specific discrepancies and the relevant FCRA provisions that support my claim. 

Discrepancies Identified 1. Date Opened : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Balance : XXXX : {$79.00} Equifax : {$55.00} XXXX : {$55.00} XXXX. Last Report Date : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX Issues and Impact The discrepancies listed above are not minor clerical errors but significant inaccuracies that reflect a lack of diligence in the reporting process. The differences in the Date Opened, Balance, Last Report Date, Date Last Active, and Date of Last Payment create an unclear and misleading picture of my creditworthiness. Moreover, these discrepancies have resulted in a reported 30-day late payment, which I firmly believe is due to these reporting errors. This incorrect late payment has unfairly damaged my credit score and financial reputation. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The evident discrepancies in the reporting violate this requirement. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Upon notification of a dispute, consumer reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate. 
3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : If the reinvestigation finds the disputed information to be inaccurate or can not be verified, the consumer reporting agency must promptly delete or modify the item of information. 
4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Furnishers must not provide information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Upon receiving notice of a dispute, furnishers must conduct an investigation, review all relevant information, and report the results to the consumer reporting agencies.
Product: Credit card

I received an advertisement in the mail from Wells Fargo Bank for an 0 % interest for XXXX months credit card. Nowhere on the advertisement does it mention that every transaction incurs a 5 % fee. I was given {$18000.00} in credit and used most of it to pay off other bills before realizing that this was actually costing me lots of money. 

I contacted Wells about XXXX days ago and they claimed the information about the 5 % fee was in some detail they sent me with the card. That may be true, but it still feels like false advertisement and a clear attempt to trick the customer. 

They refused to do anything to fix the problem and then sent me a standard email that they were working to solve the problem. I have not heard anything from them. 

.
Product: Checking or savings account

I was in the hospital and all of my items were stolen from the locker that I was given with a code. When I went to retrieve my items they were gone. My wallet, social, coat and phone were stolen. I informed the bank and they said that there was no error. There are charges in New Mexico and Texas. How can I make those charges and in the hospital?? They said I did those things. This is fraud! Ive had issues prior with this company and now I know that they steal the customers money. This is proof. This is over {$3000.00}. Please help me!!
Product: Money transfer, virtual currency, or money service

On the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a lady name XXXX XXXX posted a message that she was moving and needed to sell a Lovesac Sectional for {$600.00} with delivery possible. I responded to her ad and the additional {$30.00} she said she would deliver the sectional by noon. She said she was in at church currently and would get back with me. I used XXXX from Truist to transfer her the {$630.00} to deliver the sectional. Her husband 's name supposedly is XXXX XXXX XXXX. The phone number listed is where I had the XXXX money sent. No delivery and now no profile later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seterus, mortgage servicer for XXXX, reported late payments to all three credit bureaus while I was on a national declared disaster ( Hurricane Irma,  Florida ) forbearance and then a mutually agreed mortgage modification with Seterus. They directly reported a 150 day late on XX/XX/XXXX and reported as ND ( Not Due ) on every other month from XX/XX/XXXX thru XX/XX/XXXX. The 150 day late reported by Seterus on XX/XX/XXXX should also be reported as ND ( Not Due ) as I was on their forbearance and modification agreements, as attached. 
Seterus is involved in a number of law suits for reporting erroneous mortgage information and was subsequently forced by XXXX to transfer all servicing to Mr. Cooper which is now my XXXX servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a Dispute with Equifax regarding incorrect information on my credit report regarding account : ( XXXX ). 

It shows a Last Payment Date as of XX/XX/XXXX. However, I never made a payment to XXXX in XXXX. The report shows the account was Charged Off in XX/XX/XXXX. In addition, the payment amount on the report shows {$0.00}. How can they report a payment on a closed account? 

I asked Equifax to investigate and to provide proof that I made a payment, and the amount of payment. I asked that they provide a copy of the check. I requested that if they could not provide proof that I made a payment to XXXX in XXXX of XXXX that the account be deleted. 

The result of the dispute with Equifax was The information you disputed has been updated However, there was no change made on the account. As a matter of fact, The Date Reported is XX/XX/XXXX, and the comment section of the report should reflect the account is being disputed by consumer but its blank. 

In addition to that. The account is not reporting accurately as it says " sold to XXXX XXXX, but the contact information leads back to XXXX. How can it be sold to another company but XXXX is the one reporting?

My rights under the FCRA and or the FDCP have been violated and I want the account deleted from my report immediately for inaccurate and misleading data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Checking or savings account

I am unable to talk to a live teller in order to dispute unauthorized transactions made on my cash app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment update from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. BANK OF AMERICA XXXX Open Date XXXX XXXX, XXXX  Balance : {$4800.00}
Product: Checking or savings account

Nobody received their direct deposits Wednesday XX/XX/scrub>/2025. We didn't receive an email regarding the manner ( still included no info ) until XX/XX/scrub>/2025 Thursday evening around XXXXpm, other than they hope to have it resolved by XX/XX/scrub>/2025 Friday morning. Friday morning came. Still no update, no deposit, but withdrawals are coming out. My account is now negative {$250.00}. I have no way to eat, put gas in my car or buy necessities for my kids. We have a Federal Holiday XX/XX/scrub>/2025. This will put us at Day XXXX not getting paid.
Product: Mortgage

To Whom Concern, I have been trying for a home modification since XX/XX/2013.My mortgage was with XXXX-After over a year of submitting documentsI finally got an approval only to find out that my mortgage was " Transferred '' to Nationstar.I had to start all over again.So for another year of submitting my papers again and the Bank always declaring they were missing something-I declared Chapter XXXX to save my home that my XXXX children and myself live in.It has now been over a year of submitting documents and I was denied a modification.I appeal and found out today that I was denied again.I have been at the same job for 23 years and want to keep my home.
Product: Credit card or prepaid card

On XX/XX/XXXX a charge for XXXX was disputed by me against the merchant XXXXXXXX. 

Based on discussion with Merchant XXXX charge was due to unreturned equipment which consumer XXXX XXXX returned. 

The merchant XXXX refunded the amount to Chase credit card company in the amount of XXXX in regards to successful return by consumer of equipment on XX/XX/XXXX. 

This refund has not appeared on consumer credit card account as of XX/XX/XXXX as which the date consumer made a request to Chase credit card company at fax number XXXX reopen claim as refund was received by chase credit card company on XX/XX/XXXX yet not credited to Consumer account. 

Based on a letter received XX/XX/XXXX received from credit card issuer Chase Bank the charges were valid and would not issue the refund provided to Chase credit card from XXXX  on behalf of XXXX XXXX as Chase credit card company found it beneficial to act in bad faith against credit card consumers a it was more in their interest for Chase credit card company to charge consumers interest on righteously merchant returned refunds than to return said refund to consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a medical office provided my information to a debt collection agency without my written permission. I did not sign a HIPPA waver allowing XXXX XXXX XXXX XXXX XXXX XXXX XXXX to disclose any of my personal information to the debt collection agency MDS ( Medical Data Systems ). I began receiving calls at my workplace once a week, And they identified themselves as Medical Revenue Service, it wasn't until I saw the report to my credit score that I found they were also called Medica Data Systems. I was fearful because I was being contacted while I was at work and was afraid losing my job because of it and was feeling pressured to give an immediate payment each time they called me, even though I explained I did not currently have the amount they were asking for at the moment, however they still continued pressuring me for payment. I have since been advised to send a letter to the collection agency explaining my rights under the HIPAA law were violated as I did not give permission for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, to disclose my personal information to Medical Sata Systems, a collection agency. The amount that the collection agency told me that I owed was over {$300.00} of which I paid {$25.00} on XXXX the XXXX of XXXX. The amount owed was from XXXX the XXXX of XXXX. However according to the claim information from my health insurance benefits page, the amount should have only been {$290.00}. Not only did I write a letter to Medical Data Systems explaining the violation of my rights and the request to see exactly what XXXXXXXX XXXX XXXX XXXX  sent to them and where in that paperwork was my signature stating that they were allowed to forfeit my personal information to the debt collection agency, but I also wrote letters to all 3 credit bureau 's explaining what happened, And requesting that the debt collection report be removed from my credit score. The 3 credit bureau 's I wrote to were XXXX, XXXX, and XXXX. Those letters were sent on XXXX the XXXX of XXXX. I have attached documentation of each letter that was sent, the proof of Labeled envelopes with stamped postage, a record of the incident being reported to my credit score on XX/XX/XXXX, The claim information from my benefits page of my health insurance from XX/XX/XXXX, as well as confirmation of payment of {$25.00} which was sent on XXXX the XXXX XXXX, but cleared on my account on XX/XX/XXXX. If any additional information is needed I will be happy to supply it.