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

i recieved a credit card in the mail from jet blue which i never applied for so i disregarded it until a few months later when i was going over my XXXX  credit report and noticed luckily my score was down 94 points from very good to good due to lack of payment. since i never make a late payment and my payment history is perfect i looked further to see that it was barclays bank who own the jet blue credit card. i have spoken to jet blue over 15 times ( first time XX/XX/XXXX XXXX ) and explained that this is fraud and was assured by the rep that it would be reported as fraud and the credit agencies would be notified as such. jet blue however did not report it as fraud, they reported that they believe the information was accurate about my payment being late and although they assured 10 different reps that the account has been closed. not one thing that jet blue or barclays bank has told me has been the truth. they have lied or misrepresented every communication or information given to me. even with my exceptional credit history XXXX has done nothing to protect my credit rating. aftyer multiple frustrating attempts to get XXXX to help my case i was last told by them that fraud or identity theft is not their problem i should call the police or fbi. i am a 30 year employee of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so i couldnt believe my ears. i was given XXXX by my employer because someone attempted to open a unemployment case under my name fraudulently over a year ago. XXXX  was given to all of us at no fee to monitor and keep our identity and credit safe and the opposite has been done. as of today the barclays account remains open with negative late payment reporting continuing on my XXXX  credit report and my score continues to go down. i reached out to barclays one more time but they refuse to look further into the fraud. this credit was never activated and of course never used and rhere are no charges on it. i believe it is ther activation fee they has has not been paid and refuse to close the account unless it is paid. it is criminal but there is no recourse against this co. respectfully submitted. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not allow consumers to quickly freeze their credit online or by phone. It has insufficient and unsatisfactory means to contact them for problems with placing credit freezes. 

Their website includes misleading and incorrect information and there is no way for a consumer to actually contact them about security freezes. 

On XX/XX/XXXX 2017 -- after I found a fraudulent charge on one of my credit cards AND found out I was part of the Experian data breach -- I attempted to freeze my credit at all three main credit bureaus. 

The Experian website did NOT allow me to place a freeze, instead directing me to MAIL all the needed information -- including sensitive information like my complete Social Security Number and other identifying information -- to an address. 

( Specifically, I entered all my information correctly online -- as I had at the other two credit bureau sites -- and Experian would not allow a credit freeze to be placed. It simply said they were " unable '' to do it ... no explanation about why ) Because I had just been the victim of fraudulent charges, I did not want to proceed by mailing all of my sensitive credit information by the postal service. 

The website said however, that security freezes could be placed by phone. This web page clearly states they can be placed by phone : https : //www.experian.com/blogs/ask-experian/how-to-add-a-security-freeze-to-your-credit-file/ However, when you call the stated number, you can not. ( It 's not that there was a problem specifically with ME doing it ... if you go through the lengthy phone tree, as soon as you select that you want to place a security freeze by phone, the message says you ca n't )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX  Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXXXXXX Account # XXXX ) ( XXXX XXXX ) ( XXXX Account # XXXX ) ( XXXX Account number XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXXXXXX XXXX Account # XXXX ) ( XXXX XXXX Account XXXX ) ( XXXX Account # XXXX ) ( XXXX  Account XXXX ) ( XXXXXXXX XXXX Account # 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), has violate my rights. 
15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX 
XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX G Inquiry from XX/XX/XXXX XXXX XXXX XXXX 
XXXX Inquiry from XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX  XXXX, XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.
Product: Checking or savings account

Opened account XX/XX/XXXX with promotion for {$100.00} bonus given to account holder with two direct deposits of at least {$250.00}. Promotion fine print will be attached as PDF document. 


The terms of this deal, quoted from the contract, read, " you are not eligible for this offer if you were a signer on or owner of a Bank of America personal checking account within the last six ( 6 ) months ''. 

I was the owner of a Bank of America personal checking account closed 7 months prior to the opening of this account. I satisfied all terms and conditions of the deal. 
XX/XX/XXXX and XX/XX/XXXX direct deposits satisfied the requirements of this deal. 
Bank of America owes me {$100.00} at this time. I have notified Bank of America of this and they refuse to pay, stating they have paid me a bank account bonus in the past. That is not relevant, as that is not part of the terms of this contract. Bank of America would be in breech of their contract should they continue to refuse to pay the debt owed for reasons they are making up after creation of the contract.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX  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 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: Student loan

I am currently on the Income-Based Repayment program with my lenders ( XXXX, XXXX XXXX ) regarding repayment on my federal student loans. Due to my large amount of financial obligations for private student loans, my payments have been very low, approximately $ XXXX/month. Now Nelnet has increased my payment over 8 times to $ XXXX/month. 

I can not afford these payments and this new payment schedule does not accurately represent my income nor does it make it easy for me to repay a loan that I can not afford. 

I was not able to find a well paying job and recently my income dropped substantially when I changed employers. 

I need help. XXXX does not wish to assist me with this and so I am filing a CFPB complaint in the hopes that my IBR gets adjusted so that it accurately reflects my current income situation. They believe that my income is much higher than it is because XXXX is not considering private student loans which is a mistake that XXXX XXXX does not make.
Product: Mortgage

PennyMac purchased my loan from XXXX in early 2019. PennyMac failed to pay my home insurance by the due date despite the fact that it collects escrow each month to cover the expense. My policy has now lapsed due to PennyMac 's negligence.
Product: Credit reporting or other personal consumer reports

There are some unauthorized inquiries on my report. I dont recognize these lenders and I didnt authorize them to perform a hard inquiry on my credit report. It is against federal law ( Fair Credit Reporting Act - 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' none of these creditors were Authorized by me. FTC report attached. I WANT THESE INQUIRIES REMOVED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$51.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$660.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Requested to close the account on XXXX, was told it would be effective within 15 days. Account is still open over a month later and the " bank '' refuses to close the account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an item on my credit report that I believe to be inaccurate. The item in question is XXXX XXXX XXXX XXXX Upon reviewing my credit report, I was shocked to find this account listed as negative. However, after conducting thorough research, I discovered that this same account is not being reported as negative with other credit bureaus, such as XXXX and XXXX.
Product: Debt collection

XXXX On XX/XX/XXXX I XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Submitted a dispute for a collections Account beeing opened up in my name due to fraud, I sent it by way of Certified mail XXXX XXXX mail servis. LVNV FUNDING LLC never responded back. But yet this bank has Is filed this balance on my consumer report. Had this collection company Done their due diligence and answered my dispute they wouldve have seen XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and would have been Is impossible for me to have opened this account. I ask that u order company of to answer this complain
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC1681 Section 602 States " I have the right to privacy. 15 USC 1681 Section 604 A, also states " A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Sections states " no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under Title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless -- ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX RE : Notice of Dispute Pursuant to the Fair Credit Reporting Act Dear Sir or Madam, I am writing to dispute certain inaccurate, unverifiable, and invalidated items in my credit report that violate the Fair Credit Reporting Act ( FCRA ). I demand that you remove these items from my credit report immediately in compliance with the FCRA 's requirements. 

Your agency has failed to provide me with any original documentation or method of verification for the inaccurate items listed below, in violation of Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) of the FCRA. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly DELETE all information which can not be verified. '' As a result of your failure to comply with the FCRA, I intend to pursue litigation to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 of the FCRA. Please note that this letter, along with the inaccurate items sent to you previously, will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this notice of dispute. 

I demand that you immediately delete the following inaccurate, unverifiable, and invalidated items from my credit report : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS : XXXX B XXXX, CA XXXX Unauthorized inquiry by XXXX  XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX DC XXXX XX/XX/XXXX. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS ''. 

Please note that your continued refusal to comply with the FCRA may result in litigation against your agency. I reserve all rights and remedies available to me under the FCRA. 

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

A hard credit inquiry from XXXX XXXX was conducted on XX/XX/2023. I in no way authorized this inquiry.
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment reported in 60 days to be removed.

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

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

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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


Delete the late payments from my consumer reports XXXX
Product: Mortgage

We had a covid forbearance of 6 months in place and at the end requested to extend that forbearance an additional 6 months but were told we could not although we read that there is an option available to extend an additional 6 months. We feel as if we were not given an explanation of all of our options. We were placed on a trial flex modification as it was pushed as the only option besides foreclosure. After speaking with an agent for the company, they confirmed that we had an option to extend the forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account number ( XXXX ), XXXX  account number XXXX XXXX ), XXXX account number ( XXXX ), XXXX XXXX XXXX account number ( XXXX ), XXXX XXXX XXXX account number ( XXXX XXXX XXXX XXXX account number ( XXXX ) has violated my rights. 
15 U.S.C. 1681 section 602A 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: Payday loan, title loan, or personal loan

Fraud report placed on my account. I did not apply for a loan. It was also sold to a 3rd party company
Product: Mortgage

I recently refinanced my home. Green Tree was my mortgage company, but I refinanced through XXXX. Green Tree owed me excess funds that were in my escrow account with them. Green Tree issued a check in payment, in the amount of {$1000.00}. That check from Green Tree bounced, as the check was written on a closed account. I have contacted Green Tree Customer No-service XXXX times ( XXXX XXXX & XXXX, and XXXX XXXX ) via telephone. On XXXX XXXX, the GT representative said that the process of cancelling the XXXX check and reissuing a replacement check could take up to XXXX days. I find all of this to be outrageous! First, that they would make such a mistake ( if it is a mistake, and not a policy to delay payouts ) and secondly, that they are dragging their feet in terms of rectifying the situation. Green Tree Servicing, and Green Tree financial are well-known for bending/breaking the rules and for terrible customer service ( see the Victims of Green Tree page on XXXX, if you doubt me ), and such abuses need to be stopped! I am retired on XXXX, and am XXXX. The {$1000.00} is a huge amount of money to me, and they do n't seem to give a XXXX. I have been informed that issuing a check when there are no funds behind it is a criminal offense. I believe it is possible that Green Tree may routinely do to others what is being done to me, in that they are able to make money on holding their customers ' money while they delay paying what is owed. For a very large company like Green Tree, those small amounts could add up to a significant amount over time. Meanwhile, I have a new mortgage to pay without having that {$1000.00} to aid in doing so.
Product: Debt collection

these people keep claiming that i opened an account with them I NEVER opened an account i never signed anything anyone can sign my name to look like forgery again its fraud and there still refusing to remove this account at this time i filed a police report as my attorney stated and im giving you guys once final opportunity to delete this account from my name before i file a lawsuit against your bank BB & T and call for a national boycott of the XXXX XXXX XXXX XXXX XXXX against your bank and there willing to do that there email is XXXXXXXXXXXX and go public on XXXX im sick and tired of your crap!