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

On XX/XX/23 my XXXX XXXX informed me that there was a new hard inquiry from XXXX XXXXXXXX XXXX. I did not approve this nor have I ever applied for a card through XXXX XXXX. I contacted them and they shut the application down and told me to contact the 3 credit bureaus. I contacted XXXX, XXXX, and Expiran. They put fraud alerts on my account. I am unsure of what to do from here as this has impacted my credit score and the credit bureaus do not seem to be resolving this issue. Any help is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized that I have a ton of inquires that I did not authorize and it is a lot of work to contact these companies. By time I get off work the credit reporting agencies are closed. Being that Equifafx, XXXX and XXXX are reporting these inquiries I would like them to remove them.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX to present 2018 : Comenity bank has been harassing me daily. They use different phone numbers ( auto dialing ) and unknown numbers. I am to the point of having to change my number. They have been calling me multiple times a day almost getting me into car accidents because I spend a lot of time in my car. They have threatened to ruin my credit. They have left my personal information over my sibling 's voicemail regarding debt and threatening me on sibling 's voicemail. I called them and told them I was going to sue them because they released personal information about me and violated the banking privacy act. The woman on the phone told me that they " use different tactics to reach people '', I took this as them admitting they harass people and call people who are not involved and release private information. I want them held accountable for their actions. Based on research this is a common problem with Comenity Bank. They are violating banking policies and regulations. Giving out personal information to an unauthorized person is illegal. They said my sibling 's number was on file and I would NEVER put her number down as a back up number. I will be contacting the FTC as well. This financial institution should be fined. I am looking to file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account and inquiry with XXXX XXXX amount XXXX  opened on XX/XX/XXXX
Product: Credit card

I constantly contacted the Apple credit card company about transactions on my account that wasnt authorized by me.. they never solved my issues or concerns.. so I had to pay out money for transactions I didnt make..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to FCRA Equifax, XXXX XXXX XXXX, and XXXX are breaking the law improperly misuse of credit report. account # XXXXXXXX XXXX XXXXXXXX Bankruptcy Court.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Macys/CBNA has violated my rights. Under 15 U.S.C 1681 602, states I have the right to privacy. 15 U.S.C 1681 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Product: Debt collection

Resurgent/XXXX  Funding is a XXXX party debt collector that purchased an alleged debt and begun collection practices without providing a verification of debt when requested. Reporting negative information on my consumer reports without lawfully verifying the debt or showing legal standing to collect on this debt is a violation of the FDCPA. 

I sent Resurgent notice of my intent to opt out of them sharing my private financial information with XXXX XXXX nonaffiliates. XXXX has ignored this notice and reported my information to XXXX parties against my express written wishes, effectively violation Regulation P of the XXXX of XXXX Regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federal student loans through Sallie Mae were being serviced through Navient in XX/XX/XXXX through XX/XX/XXXX. I went from being an employed full time student with children to unemployed/not enrolled in school due to an XXXX XXXX diagnosis in Spring of XX/XX/XXXX. I made my institution of higher education aware of my situation, as I was on a scholarship. I was immediately placed in deferment until I was able to return to class. I was never contacted by Navient that they owned my loans or how to begin payments. I received a letter that they were going to garnish my income tax refund for tax year XX/XX/XXXX in XX/XX/XXXX. I filed an extension for my tax return until I was able to sort out the discrepancy. I contacted Navient and informed them of my circumstances, as well as explained that I had not received any communication from them about my account at all. I was told I would be immediately placed on deferment by their representative and she requested proof of my income/welfare eligibility. I faxed in everything that was requested. I later discovered that Navient placed me in a temporary forbearance instead of deferment and my loan amount ( {$4500.00} and {$2200.00} ) gained interest ( {$810.00} ) and was sold to a new creditor. The new creditor contacted me upon gaining ownership of my loans and consolidated my loans into one loan and I owe {$7500.00}. I have 28 late payments reporting on my credit reports in the 24 months they serviced my loans. While my 2 Navient accounts show as being closed, my student loan is reporting on 3 different accounts- 2 negative accounts being Navient. Navient has unfairly and incorrectly reported my history to all 3 credit bureaus for years. Reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit and jeopardizes my credit worthiness. I have the right to fair credit reporting and want them to report accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has dropped SIGNIFICANTLY in the last 6 months due to Credit Karma consistently pushing approved loans on me that I am not, in fact, approved for. The number of hard inquiries on my report for loans that I was subsequently denied, is totaling up to 7+. Half of these inquiries were not even made by me. Its going to take me another 6 months just to recover my credit score and actually be approved for a loan. No new house. No new lines of credit. Nothing. Theyve royally XXXX  me.
Product: Checking or savings account

On XXXX  I was given a check with the amount of XXXX without knowing the check was fake. Now my account is overdraft and they want me to pay all the money back. I am victim of scam I never had this happen to me before. Please help me get my account back
Product: Debt collection

This company has been contacted in writing multiple times regarding a balance they claim is owed for {$600.00}. I have disputed this debt for {$600.00} through the credit bureau and in writing multiple times. This dates back to XXXX of 2019. This company has failed to provide me with any proof of the debt. I have given them authorization to speak with my friend who is helping me resolve my credit issues and they refuse to speak with her. She has left messages on XXXX XXXX 's direct line multiple times with no response. As of today, I asked my friend to call them and try to settle the debt to just make it go away although I still feel this is not valid. They refused to speak with her or take payment to resolve the issue. I feel that my rights as a consumer are being completely violated as they are not following the FDCPA or FCRA. No proof has ever been provided to me to show that I owe a valid debt. I am requesting immediate action to be taken against this company. They have had ample time to send proper documentation and they are refusing to even allow me to pay it. This is my 2nd CFPB complaint against Hunter Warfield since this dispute started in 2019. This has prevented me from being able to improve my credit rating and purchase a home for the last 6 months.
Product: Money transfers

Hi, I have cancelled an online money transfer using my debit card & after the 10 business days refund time frame according to their terms & conditions they did n't refund my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information and requested that they look for fraud or identity theft. They did nothing. I asked for them to send me documentation of the contracts with the merchant that reported the negative items and they still did nothing. This company is blatantly avoiding following the law and the negative items they report in error should be removed immediately. Delete these items for lack of verification and or fraudulent since you can not verify. XXXX card Account Number : XXXX XXXX card Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine
Product: Money transfer, virtual currency, or money service

Paypal has stolen my money and has held it for more than 180 days. Hiding behind their closed phone lines and the hiding behind Covid-19 as a reason to not answer the phone. Almost every other company in America is answering the phone, and have employees working from home, but not Paypal.

Paypal 's website says that i can not use paypal services anymore. I want to withdraw my funds. I have had {$470.00} held for more than 180 days. I read the entire user agreement and there is no reason Paypal should hold funds in my available balance of my account any longer. All items have been shipped out on time to buyers and any refunds have been processed months ago. Paypal removed my ability to message them and their phone lines have been closed for about 2 months. I have invoices showing that all product were obtained from valid suppliers. I have sent Paypal an email with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has refused not once..not twice but 5 times to update the amount owed on my credit report..Experian has contacted them 5 times I called them they still refuse to update my credit report... two months now. Needless to say once paid off I WILL NEVER USE THEM AGAIN
Product: Debt collection

I was inquiring this debt and XXXX tricked me into paying for it once I found out It was under the bankruptcy he acted like he did n't know and said that we owe them money that is why he charged us
Product: Checking or savings account

I had requested a dispute through XXXX Bank at the end of XXXX. This was in regards to a print delivery request by staples/ups. I requested for staples/ups to return the documents due to the request of redelivery to the original address. XXXX did not carry out the request the interception was done however they never returned the documents it's just pending. As of XX/XX/XXXX I spoke with the XXXX at PNC Bank who instructed me to send over proof regarding the issue of the delivery interception request and proof that they never returned the items. The XXXX at PNC Bank indicated to send the proof via email which was done on XX/XX/XXXX. On XX/XX/XXXX I conducted a follow-up regarding the dispute and all of the other additional information I mean they may need I was informed by a PNC Bank representative that a provisional provisional credit was granted and that I would get it into my account as of XX/XX/XXXX. XX/XX/XXXX came around the provisional credit was not placed into my account I called again on XX/XX/XXXX and XX/XX/XXXX the provisional credit was not into my account. On XX/XX/XXXX I was their story changed I was informed that PNC Bank indicated that there was not a provisional credit that was granted an additional information letter was issued. When I asked him what this letter was and that I never received it they indicated that it was just sent via regular XXXX mail. I asked him to please send the additional letter via secure email on their PNC Bank website as they normally have done. I've also asked them regarding the status of the provisional credit and they have no idea what is going on or what I'm talking about. This bank has been pulling their strings and having me go around in circles.
Product: Credit reporting

I have been trying to remove a credit freeze and fraud alert from my Equifax credit file for over a month but Equifax refuses to remove them. 
On XX/XX/2017 I tried to unfreeze my credit through the Equifax website and received an error. A few days later I was notified that a fraud alert was placed on my credit reports, but I never requested a fraud alert. I attempted to mail my unfreeze request and made sure to include several pieces of identification including my driver 's license as well as a credit card number they could bill me for the unfreeze fee. On XX/XX/2017 Equifax responded stating they were unable to verify my identity and I wrote back and included a copy of my valid Florida driver 's license and social security card, both of which were shown on their list of acceptable documentation. Today I received another letter dated XX/XX/2017 that states again they are unable to verify my identity. You will find attached several pieces of documentation from Equifax as well as my Equifax unfreeze PIN. I do not feel comfortable uploading my ID documents but will gladly mail, fax, or email them directly to Equifax upon request.
Product: Credit card

I've been in communication with XXXX about inaccurate personal information on my credit report.Even after notifying them about this error they still continue to report this incorrect personal information on my credit report. Not only it's unfair, it's illegal.By law 15 US Code 1681 ( b ) it clearly states that your reporting agency must follow reasonable procedures. 

Inaccurate personal information : REMOVE THESE HARD INQUIRES : XXXX XXXX  XXXX My only address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX zip code XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX discover alerted me of unusual activity on my card as soon as I looked at my account and saw what was there I call my family to see who was using the card. At that time my sons discovered his wallet was stolen or missing. I immediately called discover to dispute they were friendly at first and reversed the charges. 30 days later and get a notice saying that since we didn't fill out forms there was no fraud and service rep told me the places were local you have been there before you are reasonable for the charges. I again said we received nothing nor any calls .she said she would reopen the investigation she said she did and wait 2 weeks for now forms ... i waited 3 weeks nothing I called back she didn't do anything the rep said and sent the forms when I got them I promptly sighed them and got police report incidents number as they requested. I waited 2 weeks later I called again oh yes we got your papers would you like to continue? I said of course why else would I have sent then. They have sent me a notice saying there done investigating and i am still response for these charges. this is after the police report saying the card was stolen. The following charges were not authorized by anyone on my account and discover can not sent me any proof showing me that these were done by anyone on my account. 
XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$84.00} o XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$51.00} o XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$28.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX  # XXXX XXXX FL in the amount of {$230.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX # XXXX XXXX FL in the amount of {$210.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX # XXXX XXXX FL in the amount of {$75.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the middle of an equifax breech and still didnt have any success someone used my social to open up various accounts and even trimerge my information with someone elses! I have a actual extended fraud alert and security freeze on my account to where they have to call me to validate everything which is annoying now its hard to get instant approvals! Attached are the claims Ive been filing to prove myself this whole year! I even got denied!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is 3 years old. Ive paid it off while settling. Was told in XX/XX/XXXX that the account will be deleted and updated to the credit bureaus. XX/XX/XXXX the account says a XXXX balance but Portfolio Recovery wont provide a deletion letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX Are reporting inaccurate information on my consumer credit file. With companies as per late payments 15 usc 1681 A602 15 usc 1681 604 A 15 usc 1666 B 15 usc 1635
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that the there are some fraudulent inquiries on my report that are not authorized by the following companies. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX DATE : XXXX ACCOUNT NAME : XXXX XXXX XXXX  INQUIRY XXXX ACCOUNT NAME : XXXX XXXX  INQUIRY DATE : XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX  INQUIRY XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give the XXXX credit reporting agencies permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. 

The companies involved have not been able to produce the contract and a complete investigation as per the Fair Credit Reporting Act section 611.
Product: Mortgage

During the loan modification process, in error Wells Fargo did not offer the trial modification timely. 

XX/XX/2020 I received a letter from Senior Vice President XXXX XXXX of Wells Fargo apologizing for the organizations error and a promise to re-report to the bureaus paid as agreed as it would have been should the modification agreement was offered and made timely. 

This has caused a huge impact to my credit report and scoring over the last couple of years and my ability to qualify for credit.
Product: Student loan

advocate_Navient XXXX ( XXXX minutes ago ) to me, advocate_Navient Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type does not meet the criteria for you to receive an application, because the funds were sent directly to you ( not your school ). If you are having difficulty making your current payment amount on the loan and are seeking information on any options that are available to you for your specific financial situation, please call us at XXXX where a XXXX will work with you to assist you further on this matter. 

Thank you, XXXX XXXX XXXX XXXX XXXX I replied : XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to advocate_Navient That is not accurate, funds were sent to the school directly as well as a small amount that was sent to me. 
Please reconsider this application. 

I will be filing a report with the Consumer Financial Protection Bureau ( CFPB ) this morning for this first rejection. 
XXXX XXXX