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

In Accordance with the Fair Credit Reporting Act, Discover, has violated my rights.

15 U.S.C section 602 A. States I have a rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. DPT EDXXXX XXXX {$7500.00} XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$450.00} XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that I had an outstanding bill with XXXX collection   agency. Upon calling to resolve the debt, I discovered an attempt was made to pay the debt. There was allegedly an error with the original payment method and I was allegedly contacted about the payment method error. I did not receive this contact but nevertheless paid the debt last month when I found out about it. I've called XXXX repeatedly to confirm they have reported my account as paid in full to EXPERIAN. XXXX confirms they not only reported it but have received confirmation from Experian that the collection account has been removed. IT HAS NOT BEEN REMOVED. I have waited weeks to see if it will be updated and continued calling XXXX to confirm. It is utterly impossible to reach Experian to inquire about this. 

Experian has not updated their records, however somehow they have alerted me to a " new late payment '' but when clicking there is no evidence of the late payment and the collection amount due remains as outstanding. I have tried ceaselessly to contact Experian. The Experian customer service line is an absolute joke. If you call the number on their website nobody ever answers and you are taken through automatic prompts and placed on hold, only to be hung up on. This is insanity. If I didn't know better I would assume Experian is a fraudulent company with nonexistent customer service. I implore someone reading this to attempt to speak to a representative. It is impossible. XXXX. I can not believe this is how credit reporting agencies are allowed to function. This is completely unacceptable. I understand gears run slowly when multiple agencies need to update their records. However, this is affecting my livelihood and is an unacceptable situation. If Experian has reported to XXXX that they have removed the collection account, why does it remain as an outstanding bill? And why is it impossible to reach anyone to discuss this. I have a limited time table to work with to resolve this matter because I've already taken the hard hit to my credit trying to secure a loan. I have a small window to resolve this matter and have my credit re-run to secure a better loan rate. THIS IS UNACCEPTABLE.
Product: Payday loan, title loan, personal loan, or advance loan

I used payday loans and it was very taxing and also have had problems with establishing credit and old creditors over XXXX  years plus are still coming for funds that was paid while I was in bankruptcy due to trying to take care of fees.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX : {$73.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$15000.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1800.00} ; XXXX CARD XXXX Balance : {$4500.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX CARD XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX BANK XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Student loan

I am writing to file a formal complaint against Mohela, my federal loan servicer, regarding their mishandling of my XXXX XXXX XXXX XXXX, their failure to properly process my request to switch from XXXX to XXXX, and the inadequate customer service I have received. 
I am currently pursuing XXXX and have just XXXX months left to qualify for forgiveness ( XXXX ). However, Mohela has not processed my application request to switch to XXXX, and they have mismanaged my forbearance status. 
According to the XXXX XXXX XXXX XXXX, borrowers who were enrolled in XXXX were placed into a general forbearance which would not count toward XXXX or XXXX  forgiveness. However, time spent in a processing forbearance ( a category Mohela should have already applied in my case ) does count toward XXXX, provided the borrower is in an eligible employment status ( I am employed by the XXXX ). I applied for XXXX XX/XX/year> which according to XXXX should move me into a processing forbearance based on their following website guidance XXXX XXXX XXXX XXXX I spoke with a rep who indicated my XXXX forbearance doesn't count for XXXX, which is correct. I attempted to explain that based on the guidelines references above, I should have been moved into a processing forbearance. He transferred me to a supervisory line, and someone was supposed to reach out within a business day. However, I have not heard back. 
Mohela 's phone tree system seems specifically designed to block XXXX candidates from reaching a live rep. I was placed in an endless loop and had to lie on the phone tree to speak to customer service. 
I am frustrated that Mohela is allowed to disregard rules that govern student loan services and fails to take actions on time sensitive request with no repercussions. 
I request immediate clarification and correction of my forbearance status ( from XXXX to processing forbearance ) in line with the XXXXXXXX XXXX XXXX XXXX rules, retroactive to XX/XX/year>. Mohela also needs to initiate a formal investigation into their customer service practices, especially for XXXX borrowers. The prolonged stonewalling, inaction, and negligence on Mohela 's part is bordering on criminal, and it is directly impacting the lives of millions of borrowers.
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. 

XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXAccount Number {$3700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} has violated my rights. 

These accounts have violated my rights. 

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: Debt collection

By the Grace of God, I ; Man deny that this is my account, this account was established without my knowledge and I have no contractual agreement with these companies. i require the fraudulent accounts be removed from my report FTC report enclosed.
Product: Credit reporting or other personal consumer reports

I contacted XXXX, XXXX, and XXXX regarding the inaccurate reporting of this public record. I was informed by the Consumer Reporting Agencies that this information was furnished from LexisNexis Risk Solutions. The public record is not accurate and I am asking that LexisNexis Risk Solutions Please verify and validate this information with the court and provide me with copies of any documentation associated with this account granting them authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the file you maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate accounts on my credit report. 
U.S.CODE 1611-CRIMINAL LIBILITYY for willful and knowing violationly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

15 U.S.C. 6803 -Disclosure of Institution privacy policy 16 C.F.R 433.2 Preservation of consumer 's claims and defence, unfair or deceptive acts or practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report, that do not belong to me and are deemed fraud. These accounts do not belong to me. I have reached out to Transunion, XXXX and XXXX to rectify the fraud accounts. These fraud accounts are hindered me and I need them removed asap. Below are the accounts which are fraudulent. 

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

I opened a savings account with Citibank as a prerequisite for the Paycheck protection program with Citibank. The savings account is in good standing. However, upon requesting a confirmation and case number from Citibank for PPP ( applied around XX/XX/2020 ), the bank has officially not provided any support as I'm unable to provide them a conformation number or case number which was generated by the system in XX/XX/2020 upon completing the form online. 

At the same time, the bank is saying that I can not reapply as the PPP closed on XXXX. 
The bank is also not providing direction and clarity on why they have reported a charged off account when notice was not provided to the customer. The PPP processing is based on the credit score and  without any assistance by the bank on any aspect, it is extremely difficult for this single mother of XXXX origin recently divorced to navigate the PPP process. 

Additionally I also applied on the website of XXXX XXXX but was never provided any service after the initial inquiry.
Product: Debt collection

This company, Allied Interstate continuously calls XXXX or more times per day. On XXXX XXXX 2015, I made contact with Allied interstate, they were calling my work number. I informed them they could not contact me on that number. Once more they contacted me on my work telephone number. I set up a payment arrangement with them on that day to be dated for XXXX XXXX 2015. On XX/XX/2015, They called me XXXX before XXXX. At approximately noon on the XXXX of XXXX 2015, I called them back stating our arrangement. I further instructed they could call me at the number I gave them no more than once per day. If that was not acceptable, then they would need to communicate with me By Mail Only. Allied Interstate has since began calling me multiple times per day. As of XXXX on the XXXX of XXXX, I have been called XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security XXXX, Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax 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 XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX, XXXX  opened XXXX account number XXXX, XXXX XXXX XXXX  opened XX/XX/XXXX account XXXX XXXX, XXXX XXXX XXXX  opened XX/XX/XXXX account XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX XXXX XXXX  collection opened XX/XX/XXXX account XXXX ) XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account number XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX have XXXX XXXX XXXX fraudulent collections XXXX on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, specifically on the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution failed to investigate my claims appropriately. They informed me that recovering my loss funds will be impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle it's not only neglected to protect consumers, but also allowed repeated offenders to exploit the system, leaving users vulnerable to the scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Simply parroting information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX v TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ). The result of the investigation mailed to me did not address my dispute. It completely avoided the issue. Please see attachment. This account was opened on date XX/XX/XXXX and closed on XX/XX/XXXX. There are no on time payments from XX/XX/XXXX to XX/XX/XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, this is inaccurate payment history reporting. I should have active payments XX/XX/XXXX to XX/XX/XXXX. This inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. TransUnion failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. Moreover, the payment history from Transunion is not the same as the one from XXXX. Please see the attachments. I am demanding a deletion of the account name : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following auto Loan account, student loan accounts, credit card accounts and hard inquiries currently listed on my XXXX XXXX, Experian and XXXX credit report are unauthorized and not my accounts, student loans or hard 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. To have to deal with this with little to no guidance while I am on the road fleeing from a historically massive hurricane is absolutely ridiculous and to know that millions of others potentially have the same issue is absurd. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Credit reporting or other personal consumer reports

My entire credit reports has multiple fraudulent transactions that are not supposed to be included on my credit report which is causing me actual damages and causeing me to get denied everything i apply for let alone i never gave any written consent too experian XXXXXXXX XXXX XXXX  to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any transactions or anything on my credit report relating to thoes companies which also caused damages to me and public humiliation to my credit standings also has no lawful right to do so or impact my credit worthiness!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX provided me with letters to send the creditors and I did! Half the letters said return to sender and other half was never discussed! I have contacted trans union to make them aware that I am a victim of their inquiry issues! I spoke with supervisor as well and was on the phone for an hour with still no luck in getting these 28 inquiries removed that I have no knowledge of due to the fact that I have no access to ways to apply for things! Transunion also to me to get creditors to send me a letter of deletion but provided me no way to contact the creditors by phone or mail! And supervisor basically told me there was nothing she could do although she does work at transunion!
Product: Mortgage

I sent Wells Fargo several Qualified Written Request ( QWR ) through CFPB, XXXX XXXX and HUD to find out how much was owed on the account XX/XX/2016. Wells Fargo has sent me documentation through the CFPB portal that the balance on the account was {$8100.00} On XX/XX/XXXX I received a letter that they there was going to be a HUD Pending Acquisition of the property. I responded to the letter on XX/XX/XXXX by certified mail notifying all parties of the error on the account Wells Fargo made and requesting that balance can be spread out in monthly payments and the account need to be updated to reflect the amount owed. 
I received a letter from Wells Fargo dated XX/XX/2016 stating that the account was updated. 
Then on XX/XX/2016 my account has placed in active foreclosure.
Product: Vehicle loan or lease

I have made numerous attempts in finding out the monthly total payments due so I can pay online. I am told don't trust our website pay with an agent on the phone ( which they charge {$5.00} more to do this. ) I shouldn't have to do this. XXXX XXXX is constantly applying the payments to the wrong accounts or stating pay the other fees with the monthly car payment. I do this and the payments never get properly applied and I get late fee 's attached to the gap insurance or my car payment. I was on the phone this morning after I made a payment of {$410.00} on the first of XXXX ( which was supposed to bring everything to XXXX. Then they tell me it was applied incorrectly so I owed another {$220.00} which I paid on XX/XX/XXXX. I get my next bill which states I owe another {$52.00} in late fees. It's a never ending story with this company. You try to speak to their customer service who constantly tell me that it was inappropriately applied but there is nothing they can do. I am tired of throwing money for their website which they have know about since I started working with them back in XXXX of 2023. 
I have paid over XXXX in late fees over the late three months which is absurd. Especially since I was even ten days past the due date. This company is constantly scamming people and needs to be audited by the federal government for underhanded practices especially since they have known about the website not working properly and trying to get another {$5.00} out of people per month per customer. I am sure this is adding up to thousands of dollars per month. PLEASE INVESTIGATE THEM!
Product: Money transfer, virtual currency, or money service

I need to Login to my coinbase pro account, but I can't because apparently they made me fraud and blocked my income, they also withdrew {$1000.00} without my authorization from my bank account XXXX XXXX  I need to solve me shortly I am very upset with you. {$7000.00} dollars in stock with you and I can not withdraw them since they changed my password, please, I need help to activate my urgent password or return all money
Product: Credit reporting or other personal consumer reports

Theres 5 hard inquiries that I did not authorize these companies ( Macys ) ( XXXX XXXX ) ( Bloomingdales ) to run a hard credit check on my report, theres 3 same inquiries with Macys/XXXX  , 1 with Bloom/XXXX  and 1 with XXXX and I would like that to be removed from my credit report.