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

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX 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: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

To the Departments Overseeing School & Loan Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I had XXXX accounts with XXXX XXXX XXXX  XXXX, A they were deleted due to a bunch of fraudulent charges experienced in 2021 with a caregiver. Account numbers # XXXX for {$950.00} and # XXXX for {$1000.00} these are also the same accounts that credit XXXX deleted that XXXX XXXX are calling Reference # XXXX is the same account from credit XXXX ending in # XXXX for {$1000.00} and another account that XXXX funding has Reference # XXXX which is the same account ending in # XXXX is the same account as {$950.00}. These are killing my XXXX XXXX I have another fraud account from some lender company i have never signed a bond they said a former rental company had me to sign it with them i never had any knowledge of them nor did I sign any bond agreements with XXXX XXXX XXXX the rental company I experienced fraud with them as well they have made up a lot of fake bills and other recourse I'm working on settling that on my credit as well due to their leasing agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT TWO DISPUTES TO EQUIFAX WHICH THEY ARE NOT TAKING SERIOUSLY.  THEY AHVE BEEN ADVISED TO REMOVE XXXX XXXXXXXX XXXX XXXX XXXX IL FROM MY CREIDT REPORT, THEY HAVE BEEN TOLD TO REMOVE THE CONSUMER STATEMEWNT "INQUIRES ARE NOT MINE" THEY AHVE BEEN TOLD THAT THE LSITED INQUIRES ARE NOT MINE, THEY ARE FRAUD APPLICATIONS TO DELETE WHICH THEY HAVE FAILED TO INVESTIGATE UNDER THE FCRA REQUIREMENTS  INQURIES NOT MINE: EQUIFAX  MORTGAGE SERVICES 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

I checked my credit report on credit karma and realized I had inquires on my report that I don't recognize, they are all from 2021 Inquiry disputes XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Capital one bank XXXX XXXX Capital one auto financing XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I paid all 36 of my monthly payments and turned my leased   XXXX   XXXX   XXXX   in prior to the maturity date. It was under mileage and in show room condition. There were no dents, no scratches, no stains ... ..nothing!! We brought the car back to the dealership where we leased it (   XXXX   XXXX   in  XXXX , NY ). No one said a word about its condition or did any sort of inspection while we were there. Several months later I received a bill for {$630.00} from Hyundai Motor Finance. I knew that there would be a " disposition fee '' of {$400.00}. However, the breakdown on the bill was so convoluted that it was impossible to determine what the additional charges were for. After speaking with a representative (   XXXX   ) today from Hyundai Motor Finance I was informed that there was damage to the front right bumper. There were NO damages when we turned it in, and since the " inspection '' was done outside our presence I can only assume that IF they found damage, it happened after we turned the car in. They claim to have photos, but I have to assume that they are not photos of the car I turned in. I contend that these charges are bogus and Hyundai 's way of making money from consumers. I am refusing to pay for damages that were not there, and I do n't trust that this company might have 'manufactured ' this to collect a few extra bucks. I will pay the 'disposition fee ', but I am not paying for damages that were not there.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Refuse to update my Credit file to XXXX  XXXX on my accounts and also refuse to update my acct violates my right i provided info on my XXXX  XXXX they stated we receive but will not update also XXXX XXXX will not update my file also to XXXX  XXXX i also reached out to them i am Discharged and they will not update my acct that i included in bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted LexisNexis PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] to please place a security freeze on my information. I did not consent nor authorize LexisNexis, or anyone employed by this company to the share my information to the public, specifically with data aggregators who are looking to collect information on my behalf. This is a major violation of my privacy rights and demand to have my entire credit file REMOVED from their data institution. 

I would like to have my entire credit file REMOVED from LexisNexis data institution
Product: Debt collection

Portfolio Recovery Associates filed and won a default judgement lawsuit on an old charged off credit card account. However, I never received any correspondence from this company or XXXX XXXX notifying me of the court complaint. The judgment was filed XX/XX/2019, however, I was a legal resident of South Carolina at that time and never received any correspondence from either Portfolio Recovery nor XXXX XXXX. The address referenced on all correspondence is an address from several months prior that was no longer in use. This company is more than taking advantage of consumer rights!
Product: Debt collection

I mailed a setlement offer letter certified with a return receipt to this company and a person sign for my letter from this company. I havent heard no contact with this company in over 30days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one late payment in 2020 during the COVID period, XXXX XXXX  XXXX reported me late during a period where the cares act covers consumers during hard times. I have attached a letter please have this late payment deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MA XXXX Filed against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Complaint Description : I paid off my student loan in full that is from 2004! Well past the 7 year minimum for reporting on my credit. When I call XXXX or mail them asking them to remove the false information they post again like they are getting back at me! After paying off my student loan from 2004 ( 15 years ago!! ) I have called XXXX countless times and have sent letters asking XXXX to please remove their repetitive damaging marks on my credit reports stating that the loan is 120 days late again and again! I have told them to please comply with the fair credit reporting act and have informed them that they can not keep reporting a debt after 7 years and especially after I have paid it in full and have provided them proof of such payment. XXXX just acts arrogant and high handed and nearly every time I complain they just post it again to my credit report as 120 days late!
Product: Credit card or prepaid card

On XXXX @ XXXX. I spoke with customer service department of Capital One regarding their Hoarding activities for Excessive interest charges. My account was paid in full XX/XX/22 in the amount of XXXX. prior to this activity, Capital One lowered my credit limit of XXXX thus causing my utilization rate to change for their likings with the credit bureaus. 
this is the metrics they use on people of XXXX.
Product: Debt collection

My name is XXXX XXXX I received my consumer reports and notice that this company is unlawfully reporting a collection account. I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required.

( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication.

Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to
paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have closed accounts on my credit report from more than 7 years that the credit bureaus will not remove. I also have credit accounts on my credit report originating XX/XX/XXXX even though I was born in XX/XX/XXXX. 

XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX  XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Re : Social Security Number XXXX XX/XX//2024 To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report. 

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all FRAUDULENT IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX  ACCOUNTS listed in my FTC report
Product: Student loan

My personal and financial information was compromised without my authorization or permission. 

Specifically the data breach within the CFPB violates the Privacy policy including the System of Records notice and how my information is shared which is currently in full violation. 

The breach at FERPA is a clear violation of safeguarding my information and is the agencies responsibility to protect. 

Given the severity of both events I believe all of my personal and financial data is comprised and will negatively impact me going forward.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 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

I have a hard inquiry from SYNCB/ Airlines ( national credit cards/airlines ) on my XXXX  report from XX/XX/2019. When I call SYNCB they are staying there is no information for my name in their systems. I did not apply or inquire about anything from this company. Would like to get this removed from my account.
Product: Money transfer, virtual currency, or money service

" I want you to call me not email me about this situation '' Am just gon na copied what I Emailed sent to the Ombudsman Office at the Federal Reserve. 

Dear, Ombudsman office at the The Federal Reserve System Hello, My name is XXXX XXXX. 

I want to know how to : " File a Complaint against a Bank aka BB & T to the Federal Reserve Board and to the Office of the Controller of the Currency and the United States Treasury. '' XXXX XXXX send two Prisommary Notes XXXX XXXX Dollar Each as Registered Securities to BB & T XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, North Carolina XXXX. 

USPS XXXX That BB & T was supposed to Trade it to later Deposited as Credit to my XXXX XXXX Brokerage Account with BB & T. 

Mr , XXXX XXXX and myself XXXX XXXX talk to the Trading Office Number at BB & T in North Carolina XXXX this Week this Tuesday XX/XX/2020 and Wednesday XX/XX/2020. 

On Tuesday XX/XX/2020 they acted like the Notes that XXXX XXXX Mailed that they were lost and now today XX/XX/2020 their stating one of the reps that they received the notes at the Operations Building at BB & T they rejected the Promissory Notes and their gon na mailed it back to XXXX XXXX mailing address. 

We know that BB & T Bank copied the information of the 2 Promissory Notes valued at XXXX Each Totalling to XXXX XXXX Dollars Each and Stole the money off those notes. 

And am doing my Part XXXX XXXX and want to Proper File a Complaint against Branch Banking & Trust Company aka Truist Financial Corporation to the Proper Banking Regulatory Enforcement Agencies of  the United States. 

You can contact me by my Cell XXXX or Emailed me again.