23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My problem with the creditor was multi-faceted, and quite arduous. I originally opened an N-rewards credit card through Navy Federal Credit Union in XXXX while I was in the XXXX XXXX. In XXXX, I became XXXX for a short period of time, and was unable to work due to a chronic lower extremity problem that required XXXX to fix. Also, as many people did during the XXXX recession, I had EXTREME difficulty finding work. 

I contacted XXXX XXXX several times during this hardship which was ongoing until very recently, and asked for temporary hardship deferment. There were periods of time where I was awarded deferment, however there were also periods of time when I was refused deferment because I had no income. 

Navy Federal Credit Union does not offer hardship deferment or forbearance to members who have no source of income. 

This persisted on several occasions. There were times when I would not make payments for months because I did n't have the money. ( I survived on family assistance. ) Creditors would ask me how I was paying for my cell phone. How I was living at my address. They would say on several occasions that XXXX should do what they say they 're going to, and live up to their expectations. This verbal abuse occurred whenever I answered their calls. 

Over the course of this time, I went back to college, and used my XXXX XXXX. I worked XXXX jobs in order to attempt to pay the account down, but compounding interest on this account kept my NFCU account rolling over with another credit report each month. 

Over this time, my other debts were paid, with XXXX Bank and XXXX XXXX. I was given low interest opportunities through XXXX XXXX. They paid down those cards, and then paid them off completely with what I gave them. I tried to have XXXX buy NFCU 's  debt, but Navy Federal blocked the request several times. 

In XXXX, without warning, my account was charged off during a period of unemployment that I recently had. Before the debt was assessed, I immediately requested a loan from family members for the remaining {$1000.00} balance that I had been paying on for 11 years. I paid it off the next day. However the damage that NFCU has caused to my credit rating for their unruly and unpredictable business practices is still there.
Product: Mortgage

Since XX/XX/year>, my mortgage broker has repeatedly requested a loan payoff amount to my current mortgagor, Pennymac, to process the refinancing of my mortgage with another lender. They provided a payoff statement on XX/XX/year> that was only good for XXXX day, and unbeknownst to me was expired by the time I transmitted it to my broker. The new escrow company has been trying since then to obtain an updated payoff statement only to be told they haven't received any requests. However, on XX/XX/year> I received an email from Pennymac with the subject line, " We received your request. Call now to discuss a limited-time offer we have for you. '' It contains a number to call which takes you to a general customer service menu. Requesting a payoff statement to the automated system directs you to request a statement through their website, which charges {$25.00}, an amount I didn't pay for previous payoff statements. Today ( XX/XX/year> ), my broker just informed me that the new escrow company representative was able to speak with a manager at XXXX who told her they would add my payoff statement request " to the line ''.
Product: Credit card or prepaid card

I made a purchase in XX/XX/2023 but did not receive the service I paid for I tried to solve the issue with the company they laughed at me they were very disrespectful so I disputed it with my credit card company which is Discover card I put in a dispute I asked them could they request the recording they told me yes after they closed the first dispute not ruling in my favor I called them and they denied telling me that it was on a recorded line I re opened the dispute and supplied my documentation they have again closed the dispute i know they are not reviewing my dispute properly I have been robbed of my funds charged for a service I did not receive I would also like to file on the company I paid as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft! I am a real person this is not a credit reporting agency helping me I am a human being conducting this transaction personally there are XXXX accounts reporting in XXXX XXXX XXXX and Equifax that are fraudulent! Ive reached out to them directly Several times the past two years! As well as file complaints with the @ CFPB and the Federal Trade Commission Report Number XXXX : XXXX/Equifax/XXXX  have not reinvestigated my dispute nor removed/blocked or complied with the CFPb or the FTC. The last explanation that I got for them not investigating my dispute was they said and I quote we didnt Investigate that is because you maybe had a third-party prepare or help you!?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX  XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX  XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : 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, credit repair services, or other personal consumer reports

When i obtained my XXXX  credit report i notice that there were unauthorized inquiries from a bank ( capital one ) that i have no type of banking relationship with. Capital One has pulled my credit on 3 separate occasions without my permission on the dates of XX/XX/2021, XX/XX/2021, and XX/XX/2021. To find out that my privacy has been invaded and compromised by Capital One has frustrated me dearly. On the date of XX/XX/2021 I mailed in a letter explaining my frustration on my privacy rights that were violated and have not received a response back since. I have attached the credit report showing the unauthorized inquiries along with the letter sent and confirmation that the letter has been delivered.
Product: Credit card or prepaid card

On XX/XX/2019 I received notfication that a payment of {$130.00} was 30 day delinquent I reached out to the company COMENITYCAPITAL/XXXX to express my deepest apologies that I had been ill and bed ridden.
Product: Money transfer, virtual currency, or money service

This issue is with Pay Pal. They say they are having an issue with customers not being able to enter their TIN or SSN to release funds that are put on hold by Pay Pal. I have tried several times to resolve this and finally made a complaint to CFPB. Pay Pal called me and I spent another hour trying to resolve the issue. They told me that my account was verified after they were able to enter the TIN number, but they still couldn't release the funds on hold on their end. I still have almost XXXX of my funds " On hold ''. When I log into my account I get the same message that I still need to enter my TIN # and it still won't accept the number. NOTHING was resolved from my prior CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received a letter from TransUnion ( copy attached ) with this absurd statement : " ... we were unable to process your request because we were unable to determine the nature of your request or your request was illegible. '' On the advice of my attorney, I'm submitting another complaint via CFPB. 

After being rebuffed by TransUnion several times about the complaints listed below, even though one supervisor told me that, although credit score calculations are dynamic, nothing had changed in my credit file other than credit utilization which went from 3 % to 10 %, that would cause the XXXX point volatility, and that he would have to refer this to a higher authority. I never heard from TransUnion again. 

These 3 complaints are : XXXX. XXXX XXXX. XXXX XXXX. XXXX
Product: Mortgage

I am a customer of SOFI Lending and for the past several months I have communicated with the company to notify them of a local grant I received to reduce my XXXX property tax payment. Time and time again they assured me that a correct property tax amount will be paid. It turned out they overpaid my property tax and did not do their due diligence by checking the latest tax bill balance, which can easily be found on a public website. 

I have provided them with pdf documents to show the latest bill balance and that information was being ignored. They overdrew my escrow balance and now I don't have enough to pay my XXXX insurance. The company refused to correct their mistake and over and over gave me incorrect information. 

I have screenshots of all my communications with them and happy to supply the supporting documents. I asked to talk to their manager and they refused to let me speak to management. I find their lack of transparency and access alarming and indicative of incompetent employees. 

As of today, XX/XX/XXXX, I checked my property tax online and the amount is still not paid. Soon, I will be incurring interest charges that were not in my control. 

I appreciate your help in getting this company to act ethically and more responsive to customers, who are trying to do the right thing -- paying their property taxes.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Transunion on XX/XX/XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking Federal Law. 

According to 15 usc 1681e ( b ) it states this ( b ) Accuracy of report Whenever a Consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 



So I then asked them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

They are also breaking the laws as well below. 



According to 15 usc 1681i ( 5 ) its states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

There is an account from XXXX which they are inadvertently harassing me by placing this frivolous debt on my credit report. The account was then taken before a district court and was eventually dismissed for lack of activity as the company XXXX could not prove that they have a right to open any account in my name. I did not authorize nor have benefit of any account being opened by this company or their affiliates. iThe Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). This information sitting on my credit report is false and misleading and causing me direct harm.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in FTC ID theft report and XXXX responded with them stating that the dispute wasn't sent by me. They never responded to the identity theft, please see attachments.
Product: Debt collection

They called my sister on XX/XX/XXXX or XX/XX/XXXX. The called another family member on XX/XX/XXXX. 
Said there name was XXXX and they were leaving a message for XXXX XXXX and that she owed XXXX but they could break it down to XXXX oor XXXX account number XXXX but nothing with who the debt is about. 
I could call them back at XXXX didn't catch it all. but Said they were calling from Direct Recovery Services and i could go on line to contact them.
Product: Debt collection

I have been paying on a debt but my car got totalled and I'm struggling to find a job that works with my XXXX XXXX. I have been unsuccessful so far. It's been about 6 weeks now. I have contacted the company several times to update them on my situation and have told them twice to stop calling me. Now they're using phone number masking, so they're showing up as " restricted '', " unavailable '', and " unknown ''. Just today ( XXXX ) I have received 11 phone calls from " restricted '', " unknown '', and " unavailable '' between XXXX and XXXX. They have me on a recorded line telling them that I do not answer unknown phone calls and I asked for the number they'd call me from so I could add it to my contacts. They have used around 30 different phone numbers in the last month. I am sick of the harassment. They haven't responded to any of my attempts to contact them. XXXX XXXX is the company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XX/XX/XXXX This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 an auto lease account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX a credit card opened with XXXX XXXX  opened XX/XX/XXXX under the account number XXXX. My XXXX report consist of 2 fraudulent account with XXXX XXXX XXXX under account XXXX that closed XX/XX/XXXX and an account with XXXX XXXX  under account number XXXX that closed XX/XX/XXXX fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries 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: Debt collection

I, XXXX XXXX, entered into a consumer credit transaction with Comenity Capital/Forever 21 on XX/XX/2019. Pursuant to 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 purpose. XXXX is reporting multiple late payments on my consumer report for the following account : Account Number : XXXX, which is a violation of 15 USC 1666b. I am demanding that Comenity Capital/Forever 21 return any fees that were improperly collected for this billing error. Furthermore, Comenity Capital/Forever 21, never disclosed to me that they are a debt collector and that they were attempting to collect a debt which is a violation of 15 USC 1692.
Product: Credit reporting

I have not received a final disposition of this complaint. Equifax is ignoring the Consumer Financial Protection Bureau. The original complaint is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not reporting payments accurately. The following payments are not on my credit report as paid. XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments. The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.
Product: Consumer Loan

My mother took out a loan in my name and then left the payments to lapse onto me. My credit score is less than XXXX now and I have been informed that charges are going to be filed against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Thief. According to 15 usc 1681b ( 2 ), permissible purposes of consumer reports. It states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) in accordance with written instructions of the consumer to whom it relates. I have never authorize Transunion, XXXX or XXXX to furnish my credit report. I never provided hand written instructions to place accounts on my credit report. It has harm my livelihood and I am living an honorable life. This is all erroneous, fraud, and incorrect. According to the fair credit reporting act ( fcra ), XXXX is to honor my request and block from furnishing my credit report, 1. XXXX XXXX ( opened XX/XX/XXXX ), 2. remove late fees on comenitycb/zales ( opened XX/XX/XXXX ), 3. XXXX XXXX XXXX ( account opened ( XX/XX/XXXX ), 4. XXXX XXXX XXXX ( opened XX/XX/XXXX ). I never authorized and or gave XXXX or any of these companies any hand written instructions to furnish my credit report. 
XXXX is to honor my request and block from furnishing my credit report, 1. remove my late fees on the account comenitycapital/zales. I have made complete payment with them but I have never provided hand written instructions to the company nor to XXXX to furnish my credit report. PLEASE REMOVE THAT! 
Transunion is providing fraud, erroneous and incorrect information. I did not provide them hand written instructions and according to 15usc 1681b ( 2 ), I did not contact XXXX, Transunion or XXXX and provide handwritten instructions to furnish my credit report. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am listed as the Guarantor on my daughters XXXX loan from XXXX XXXX. My daughter is the Payor and when shes late on her payments it is wrongly reflected on my credit report. Ive guaranteed the loan and am not responsible for monthly payments. My daughter makes the monthly payments faithfully but sometimes late. To negatively report my performance on this account as delinquent is not true. Actually, the loan is being paid off ahead of schedule and better than most student loans for many years. The only time XXXX XXXX can accurately report my personal performance on this loan as delinquent is when or if I fail to guarantee repayment NOT for late payments. If XXXX XXXX chooses to foreclose on this loan then I am responsible for full repayment. XXXX XXXX derogatory report on my credit standing with regards prompt payments is erroneous and has most recently created issues for me with regards obtaining a desirable interest rate. Im doing my job by ensuring that my daughter will not default on this loan, but I am not responsible for making sure her payments to XXXX XXXX are on time. XXXX XXXX is hurting my reputation without any due process and unfairly representing the facts. They make more money when my daughters payment is late and they will be paid the full amount much sooner than demanded. When I reported this to Experian they took numerous notes, but the answer that came back only restated that the information is correct. Thats not the point of the dispute. Only the Payor can be held accountable for timeliness of payments and not the Guarantor. The Guarantor guarantees that the loan will be paid and by definition only takes action as a final resort and only at the request of XXXX XXXX.
Product: Debt collection

Company Patenaude & Felux a 3rd party collections company for XXXX  sent a collections letter to an address I had not lived in since the year XXXX, the notice was sent in XX/XX/XXXX. In XX/XX/XXXX the company proceeded to serve a person at the address that is unknown to me. They fraudulently obtained a judgement against me for {$2400.00} in XX/XX/XXXX. I discovered this judgement in XX/XX/XXXX when I was looking for records for a family member. 
The company mailed in XX/XX/XXXX, a new service for renewal of judgment to the same old address that I have not resided in since XXXX. 
After reviewing County Records I discovered that the person they claimed to have served in XX/XX/XXXX did not reside that the address where notices have been said to be personally delivered to this unknown women.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and subsequent identity theft. Fraudulent accounts and inquiries have appeared on my credit report without my authorization. I request that you take immediate action to block and delete the following accounts and inquiries as allowed under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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