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

On the XXXX of XXXX, 2024, I was notified by Experian of a decline in my credit score. Upon reviewing my account, I discovered that XXXX had marked my loan as 60 days overdue. I promptly contacted XXXX to rectify this error, as I am no longer legally bound to repay this debt due to the protections afforded to me by the Consent Judgment issued by the state of New Jersey. Despite my explanation, XXXX representatives incorrectly insisted that I was mistaken and continued to insist on repayment. 

Throughout our conversation, XXXX representatives made false and misleading assertions, claiming that I was ineligible for debt relief because the loan did not meet the necessary criteria, including a lack of seven consecutive missed payments. These claims were not only untrue but also intentionally deceptive. 

According to the Final Consent Judgment, XXXX committed to canceling certain private student loans, provided they met one of three specified criteria. My loan falls under Category 3, the Non-Traditional criterion, which includes loans disbursed to borrowers with a FICO score below 640 at the time of origination for attendance at a public or private non-profit educational institution. 

At the time of my loans origination by XXXX, my FICO score was indeed below 640, and I was enrolled in a public educational institution, thus qualifying for forgiveness. 
Moreover, XXXX official disclosures state that loans are written off after 120 days of delinquency. Contrary to this policy, my credit report indicates that my loan was delinquent for seven months without being charged off. This discrepancy not only demonstrates a failure to adhere to their stated policies but also constitutes a significant misrepresentation in their financial statements regarding their charge-off timeline. 

The combination of XXXX falsehoods, misleading statements, and unwarranted demands for payment constitutes a blatant breach of the Final Consent Judgment.
Product: Credit card or prepaid card

On XX/XX/22, my walker was stolen from my possession. My credit card was used fraudulently for {$620.00} and I immediately notified Bank Of America credit card within XXXX hour that my wallet was stolen and reported the fraud claim. This week o received a letter that they were unable to approve my claim and they charged me for {$620.00} again. I have a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting inaccurate and fraudulent information on my credit report. I have tried contacting you several times to rectify the matter. I have gone ahead and filed a complaint with the Federal Trade commission regarding identity theft. I sent the necessary documents in with tracking which you received verifying that I am the one in fact disputing the fraudulent activity on my report.
Product: Credit reporting or other personal consumer reports

These inquiries are have no authorization by me and are unrelated to my financial activities. I request their immediate expulsion from my credit report.
Product: Mortgage

Our mortgage company demands we carry homeowner insurance to protect the property. We can get homeowner 's insurance but because of our budget, we need to pay it off monthly. The mortgage company demands we show that we paid for the entire year. When we explain this to them, they say they will add the insurance to cover property only and then overcharge us to make additional money. The insurance they are charging us, only covers the building and property and not our personal possessions. We can get insurance for our home much less expensive that would include our personal possessions, but the mortgage company wo n't allow us to do this. They insist on adding overly expensive coverage and adding the fees to our mortgage payment. We think this is a rip off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$600.00}
Product: Payday loan, title loan, or personal loan

My scheduled payment of XXXX for the month of XX/XX/2020 was made XX/XX/2020 and I paid XXXX {$130.00} to the payment and the remainder to the principle with Compass bank, I have accelerated these payments over the last 6 months at the same bank, I received notice that I was 30 days late on my payment, I contacted the bank and got the complete run around shuffled around to several different people that I could barely understand, 2 days later my statement was corrected and they claim to be investigating the late entry? I am in the process of making a large purchase that I was approved for but later got declined due to a 47 point drop on my credit due to their mistake that they acknowledge, but they are moving slow on correcting this error saying I might have to wait until they report again in up to 30 days, I told them that incorrect information must be corrected in a timely fashion and not when they feel like it, after admitting they made a mistake someone should have expedited my case, I have 3 ticket numbers they gave me, XXXX, XXXX, XXXX, I spoke to a man named XXXX, and XXXX and 3-4 other associates
Product: Student loan

I 've attempted multiple times  on Navient 's website to enroll in an Income  Sensitive Repayment program. Each time I go to fill out the application it gives me a " Web Error '' call customer service, then they are closed. I 've tried on multiple browsers and computers, same error. Seems they do n't want to help us lower the payment.     Ive also called asking them if I can skip a payment due to a IRS payment I need to make that is around {$700.00}, they said no I ca n't. I have never missed a payment and they say i 'm not eligible for deferment ... I do n't want to differ my loan, I want to ski p 1  payment and have it added to the end of my loan ( plus interest ).     I also tried to download the application fro m Navie n't site an d gave the same error.     It seems they are not willing to work with those that are trying to repay. I Pay almost {$700.00} a month t o Navient.
Product: Payday loan

i received a deposit in my account that was an ACH transfer from a company called " Radiant Cash ''. Upon noticing the credit, I looked them up online and contacted my bank this morning. My bank requested I contact the company first to try to get it resolved, but was able to confirm the deposit was submitted in my name with my routing and account number attached. Following the conversation with my bank, I contacted Radiant Cash. When the first representative answered the phone, I only provided my first and last name, to which she immediately responded that she had my application in front of her, and asked me if I ever applied for any loans online because they purchase information. When I advised her I did not, not in the last several years, she transferred me to the fraud department. The fraud representative I spoke with identified himself as " XXXX '' and told me he was located in South Dakota. He tried to convince me I applied for it, asked me for last XXXX of my SSN, which I refused to provide because I 'm already going into this phone call knowing this is some kind of scam. He then states they can rescind the loan, but it would take up to 4 business days, and he could email me a copy of the confirmation, along with a packet that I can file fraud with. Immediately following that, he refused to verify the email or any of the information on file, just kept asking me to provide it. Then states the only way he will be able to provide this information is when I file fraud and submit it along with a copy of a police report. All while insuring they will be taking their {$500.00} back, nothing more and nothing less. I do not know what kind of company deposits money randomly into people 's accounts without any confirmation or requests from an individual, but I had a very unsatisfactory ( not to mention uneasy ) experience dealing with this company. As of yet I have not received this email " confirmation '' from him that he told me over an hour ago that I would have within 10 minutes. Please help and investigate this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written chexsystems regarding a reporting account in my name. Company : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date Reported : XX/XX/2015 Acccounts ending in XXXX and XXXX I was fraud-ed and reported it to the bank and they said i would not be charged. Now they are reporting Account Abuse no results I owe them {$430.00} and {$250.00}. I have deputed this threw chexsystems with no results or documents supporting this.
Product: Credit reporting or other personal consumer reports

I'm not sure it this was the proper category. but my problem with TransUnion is that my social is now marked for fraud and they have permanently blocked my online access to my credit report. 

I was marked as fraud to due to extreme fraud being done on my credit and I wanted to stop the thief/thieves from accessing my account. As of late, it has become easier for me to monitor my credit online via real-time alerts in order to to stop and fraud done in my name. 

I am able to lock both XXXX and XXXX, but because TransUnion has a permanent block that they won't remove, someone was able to open bank accounts and apply for credit because it is easy for them to thaw my credit and remove statements I have made. 

They have also removed the safeguard of have a numeric code to remove the freeze. That has also made it easier for identity thieves to have their way with victims ' information.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I am a consumer that been through a tragic experience that has left my credit damaged, and my private information is in jeopardy. My SSN is ( Private SSN ), My DOB is ( Private DOB ). I have XXXX police reports ( please see attached pdf ). XXXX about the XXXX incident ( XXXX XXXX Police Department Event # XXXX ) and XXXX report dated XX/XX/year> about the fraud ( XXXX XXXX Police Department Event # XXXX ). I have also filed an FTC report ( # XXXX ). This individual has been arrested but I am left with the damage he has done to me mental, physically, and financially. 
The CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C Sec 1681c-2 ) that you, XXXX credit reporting agency , block information that 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 number accounts. This is unreal! 

The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  There are also numerous fraudulent inquiries. I have attached a copy of my FTC complaint and both of my police reports. Along with my dispute that I found online. The aforementioned accounts, collections, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are a result of identity theft and fraud. Theft Criminal Compliant and Battery # ( case numbers above ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection, and hard inquiries associated with these fraudulent accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found the following fraudulent accounts on my credit profile : XXXX XXXX act # XXXX {$6900.00} XXXX XXXX act # XXXX {$7000.00} XXXX   XXXX {$3900.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$960.00} I've contacted the credit bureaus and the companies numerous times but the erroneous information remains. 
Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not Metro 2 complaint in regards to the balance being reported and also the payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to have been an account opened for XXXX under my name. My identity has been compromised in the Equifax and XXXX security breach as well as others. 

I am not liable for this debt with XXXX and I do not have a contract with them. They have not provided me with the original application like I asked. This should be removed from my credit report account : XXXX. They have no reason to be reporting this on my credit report. Please have them delete this record from all credit agencies. I am a XXXX Combat Veteran of the war in XXXX. I am battling serious health issues and do not need this causing me further duress and injury. I need peace in my life. Please have them resolve this in a compassionate manner.
Product: Credit card

Capital One allowed fraudsters to access my account sic times in a one-week span by allowing XXXX authentication to any phone number in the XXXX, regardless of XXXX that phone number is registered to the account or registered to me by the XXXX. The fraudsters then change the phone number and e-mail address to their address, thus completely locking me out. 

Now, I don't have access to the online account nor any statements or transaction data. Yet, Capital One drafted my bank account for {$4100.00} on XX/XX/23 for the credit card payment. My account is set to auto draft for the full statement balance. I have no way of changing that. I have no way of knowing the statement balance or any transactions. Someone just runs transactions on my account. I have no way of knowing it. I make the payment and I have no way of stopping it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the companies below have violated my rights. 

XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$4000.00} XXXX  XXXX XXXX XXXX {$2200.00} XXXX  XXXX XXXX XXXX {$9600.00} XXXX  XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$110.00} 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.

Pursuit of 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuit to 15 USC 1681b 2. company also has NO permission to report ANYTHING using my info pursuit 15USC 1681 4.
Product: Mortgage

I started investigating my mortgage in XXXX, by XX/XX/XXXX I suspected that this was a fraudulent transaction and started by sending refuse for cause without dishonor their requests for payment and inquiring about the details of this particular transaction. I was met with my questions being avoided and lack of meaningful response every time. It didn't appear that GAAP accounting was adhered to, and I suspected the accounting to be falsified. I later discovered that my Note funded the transaction and I wasn't given full disclosure. After trying to get answers that were never answered, I was met with a lawsuit from the opposing party 's debt collection attorneys at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who I believe is guilty of identity theft by using my private data and placing on the public record for unjust enrichment without having standing to do so and who had Never after multiple requests proved their authority to do what they've done. I submitted a complaint to the CFPB back in XXXX and I didn't receive a valid response to my complaint. All the company did was avoid my complaint and say they referred me to their attorneys back in XXXX of XXXX and they followed up my mailing copies of the Deed of Trust and basic mortgage documents that they always send to avoid direct questions. That response is unacceptable. I was never given full disclosure, I do not believe that I ever received a " loan '' and it is obvious by their silence they have much to hide. Colorado Housing and Finance Authority was given notice by way of Notary presentment of their default and dishonor and opportunity to cure and they were send an affidavit of truth, opportunity to respond and a self executing contract that they agreed to if they refused to respond once again.. That Notice was sent out by registered and certified mail to the master servicer and their sub servicer. All have continued to acquiesce, therefore they have be default agreed to the attached self executing contract. They have not given me response to the notice of rescission, not have they returned my property as commanded by law. They continue to leave my home on the foreclosure sale list and have not returned any of my property as requested and as obligated by law.
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, ) 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.
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance with Charge Offs on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX Iowa XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to bring to your attention and seek assistance regarding charge offs that appear on my credit report. I have recently reviewed my credit report and discovered that there are multiple charge offs listed, which are negatively impacting my credit score and financial well-being. 

The charge offs in question have significantly affected my ability to secure favorable interest rates on loans, obtain new lines of credit, and even impact my employment opportunities. I believe that these charge offs may have been reported inaccurately or unfairly, and I am seeking your assistance in addressing this matter. 

I have taken steps to resolve these charge offs with the respective creditors, and I have made efforts to negotiate settlements or payment arrangements. However, despite my efforts, these charge offs continue to appear on my credit report, causing ongoing financial distress. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and work with the credit reporting agencies to ensure that any inaccuracies or unfair reporting regarding these charge offs are corrected promptly. I am willing to provide any additional information or documentation that may be required to support this investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( is still. An open account that Is closed I understand the importance of maintaining accurate credit reports and the impact it has on individuals ' financial well-being according to the Fair Credit Reporting Act ( FCRA ) and PURSUANT with 15 USC 1681N I am hopeful that with your intervention, we can resolve this matter and ensure that my credit report accurately reflects my financial history. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in this regard. 

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

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection of  XXXX to report items on the credit profile. Wanted to satisfy the debt. Customer service refused payment, requested documents, documents sent. If practices failed with refusing payments, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Product: Checking or savings account

People opened both a checking and a saving USBank account under my name, using my  Social  #  XXXX .  XXXX   XXXX   XXXX . I have reported repeatedly about an ongoing Identity Theft issue with  XXXX   XXXX   XXXX , who lives with me at  XXXX   XXXX   XXXX   XXXX ,  XXXX , OR  XXXX . Her Social Securit y Number  is  XXXX . This  US  Bank account has been opened fraudulently behind my back on  XXXX   XXXX ,   XXXX  . Actually, a saving account #  XXXX  and a checking account I do n't even know it 's number. I called  US  Bank at   XXXX   XXXX   XXXX   XXXX    USBANKS  on  XXXX   XXXX ,   XXXX   to put a hard hold on both my accounts, but it was not the case. Later on I learned that both my checking and my saving account have been compromised, with  XXXX   XXXX  ordering checks under my name and using my Social Security  No. I  then learned and realized that she and her husband  XXXX   XXXX  were using the fraudulent accounts that they have opened fraudulently under my name to launder money. The check book cost me {$30.00}, for example. There were {$50.00} transactions being deposited and withdrawn back and forth, despite me calling dozens of times since  XXXX / XXXX /  XXXX   to make sure that the exact nature of these things did n't take place. I believe both accounts are closed now but not before my identity has been compromised and my credit rating gone through the mud.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : personal information : name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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