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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable. 

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IXXXX XXXX XXXX XXXX XXXX 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 written numerous letters to Transunion within a 6 month time span advising 2 collection accounts ( XXXX XXXX and XXXX XXXX ) weren't mine. I have also written numerous letters to XXXX within a 6 month time span advising 2 collection accounts ( XXXX and XXXX XXXX ) weren't mine as well. Each response they sent back stated the accounts were verified. When asking for how they were able to verify the accounts, I would receive no response. After advising them, the companies as well couldn't verify nor confirm the accounts were mine, they continued to report the negative information on my credit reports. 
In addition, I advised both Transunion and XXXX that a collection account, XXXX was not mine. Transunion closed the account and XXXX  still has the account open. There is no reason why this account should be on my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items permanently removed from my credit file. 
The following accounts were not authorized by me and should be immediately blocked and deleted : XXXX. XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$6400.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$720.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$780.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I find Transunion and specifically as it pertains to their XXXX XXXX score to be defamatory & grossly negligent as it pertains to my score. For absolutely NO reason my score is 140+ POINTS LOWER with Transunion than it is for XXXX & XXXX !! All 3 reports are an almost CARBON COPY of one another. There is NO logical reason for this - Also, I notice for some reason that my score takes daily drops and advances of up to 20 points on an almost daily basis. This is NEGLIGENT & DEFAMATORY towards me!!! Please revise my score. This all seems fraudulent and in some form a scam for banks to charge higher interest rates and/or deny credit to lenders that only use Transunion, This is defamatory and negligent, Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as these are not mine. I have filed a report with FTC and contacted my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine. Bankruptcy Chapter XXXX, FOR YOUR EYES ONLY, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Account with no name but a account number # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I have identified the following accounts and inquiries as unauthorized and fraudulent : Fraudulent Accounts XXXX. XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$450.00} ) XXXX. XXXX XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, Balance : {$880.00} ) XXXX. XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, Balance : {$140.00} ) XXXX. XXXX XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1600.00} ) XXXX. XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$5000.00} ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$670.00} ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1900.00} ) XXXX. XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, Balance : {$1000.00} ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$260.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$250.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$670.00} ) XXXX. XXXX XXXX  ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1900.00} ) Fraudulent Inquiries XXXXXXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX )
Product: Student loan

Edfinancial student loan servicer. They failed to credit any of first 4 payments to loan principal when repayments resumed in XX/XX/2023. I am not on an interest only repayment plan. No credit towards principal in first 4 months. Last month shows a credit to principal but loan balance shows no reduction in principal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Jefferson Capital System XXXX XXXX XXXX XXXX XXXX, MN XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : UNKNOWN Cease and Desist Request for Deletion of Collection Account Dear COLLECTION COMPANY, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose. 2. A detailed account statement showing the amount of the debt, including any fees or interest. 3. Date of Last Activity. 4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 5. Documentation confirming that you have the legal right to collect this debt. 6. Any correspondence related to this account that includes my signature or consent. I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name. 2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

You stated that the accounts in question were reporting accurately when I have provided proof that you are reporting incorrect late payment status ( See enclosed letter from company ). This is my final notice to your company regarding the inaccurate information. I am demanding that Experian remove the late payments reporting XX/XX/2018 for the mentioned 5 accounts. XXXX and XXXX have since updated this information. If this is not updated within 7 days, I will be seeking litigation in small claims court. I am tired of trying to correct your incorrect reporting when I can just sue your company for defamation of character and gross misconduct. Please be aware that FCRA violations can be awarded up to XXXX per violation. The account that is extremely inaccurate is the account that is reporting a balance of {$4000.00} to Experian while {$3500.00} report to XXXX and XXXX. I will attach each account that is incorrect. Update EVERY account to paid as agreed never late immediately. I am also notifying my attorney just in case we have to go to court for your negligence. See the attached dispute letter, response letter, and credit report and update or remove the accounts.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I found late payments. Despite sending letters over 30 days ago, I have yet to receive a response, and I have not received satisfactory validation. I kindly request your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian, XXXX, and XXXX regarding the exaggerated drop in my credit score as fraudulent. They continually drop my credit score drastically even if I pay off my balances, and due to the fact that " ONE '' credit card balance is over the limit they disregard other factors of my credit worthiness such as exceptional payment history. Balances are always incorrect by 2-3 months greatly affecting my credit worthiness over and over again.

They are currently using a formula that fraudulently basis a consumers credit worthiness because of " one '' account over-the-limit, or over 50 % and disregarding monthly paid balances.
Product: Payday loan, title loan, or personal loan

I called in on  XXXX   XXXX   2017 spoke w ith rep and was offered a ext rep adv to pay  XXXX  which she setup the payment for  XXXX   XXXX  I started getting emails that my account was past due I called in on  XXXX   XXXX  and explained I had a extension set up the rep advised me he see the agreement and to allow a couple of days and account will be updated well that did n't happen I kept getting email I called back in to be told the ext was no longer avail because rep set it up wrong and was demanded to pay  XXXX  dollars I advised no I wont pay another dime until my next payment is due and requested my account be fixed I spoke with a sup who advised it will get corrected well again that did n't happen now I am being requested to pay  XXXX  and they will defer two payments to end of loan so they want me to pay  XXXX  plus the  XXXX  and none of these funds will be applied towards payments this is their fee.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A 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

My debt was settled through XXXX XXXX XXXX The total balance was {$8200.00} and was settled at {$4700.00} which was paid off XX/XX/XXXX. I called XXXX XXXX XXXX and mad the. Aware that on my credit report US bank states I still have a balance of {$4700.00}. I also contacted US bank on XX/XX/XXXX and received a letter that has at the top current balance {$4700.00}. In the body of the letter it states that the account was settled for less than the current amount and several phone calls I have been told I currently owe {$0.00}. If I owe {$0.00} then how do I have a current balance of {$4700.00}. I also disputed it through all 3 credit agencies. At this point XXXX  finished the investigation and said US bank information is accurate. I had for other accounts through XXXX XXXX XXXX   and have paid all of my accounts and US bank is the only account stating I have a balance. Having a balance implies I owe them money when they made a settlement for a lesser value and is paid off. Thank tou
Product: Debt collection

I was a victim of identity theft. A report was filed with the federal government and a police report was made in XXXX Police Department. Americollect has been trying to extort me for quite some time. I had removed XXXX XXXX XXXX due to this theft. This issue with Americollect is getting very stressful.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 MoneyGram Payment Systems, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Ref : Termination of my Profile I dont understand why you found it necessary to terminate access to my account with you that I have had for several years, and all my transactions have been for legitimate reasons : I will list the last transactions I have made and an explanation. 
# XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00}, XXXX XXXX XXXX XXXX # XXXX # XXXX, XXXX XXXX XXXX XXXX {$640.00}, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX ( TRANSACTION CANCELED ) I have strong connections with XXXX, lots of friends in that country, so let me explain my transaction which I shouldnt have to. 
Transaction # XXXX for payment of services for XXXX XXXX XXXX XXXX XXXX XXXX. Contact person is XXXX XXXX XXXX, XXXX XXXX. The Money was sent, and XXXX  XXXX has a courier whose name is XXXX XXXX XXXX. The information applies to transactions # XXXX. 
Transaction # XXXX Is a very dear from of mine whose going through some difficult time, without a job, and I loan him {$300.00} until he gets on his feet. 
Transaction # XXXX Is another dear friend of mine in XXXX XXXX for an appointment with XXXX  XXXX, and in the interim was able to get a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and he needed money for food and a XXXX XXXX 
I respectfully request you call these people to corroborate my information, restore access to my account or accuse me of a XXXX  and turn me over to the authorities. 
What should a friend let other friends XXXX XXXX XXXX  or lend a helping hand. 

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

Pursuant to 15 USC 1681 section 602 of the Fair Credit Reporting Act, Congress has made it very clear that the banking system is dependent upon fair and accurate credit reporting. Since Transunion has assumed this vital role in assembling my consumer report, not only that they infringed on my privacy, Transunion failed to adopt reasonable procedures for meeting the needs that are fair and equitable to me as the consumer by not exercising their grave responsibilities. Congress has made it known that if Transunion would have adopted reasonable procedures, Transunion would know that a consumer report doesnt include information solely as to transactions or experiences between the consumer and the person making the report as defined. Also, you must have my written consent furnish anything on my consumer report, which I never granted Transunion to do so pursuant to 15 USC 1681b ( a ) ( 2 ) section 604 of the Fair Credit Reporting Act. As of today, my written instructions for Transunion is to remove this account from my consumer listed below :
Product: Debt collection

Seems that Discover Bank has set up quite a few accounts using my name, SS number, birth date, home phone and/or home address to laundry money again!
I have been getting calls from XXXX XXXX, and other Credit companies demanding payment for money transferred to XXXX accounts that I do not have but are in my name, SS number, birth date, home phone and/or home address!
Discover has been taken to federal courts for setting up fake accounts, money laundering and other illegal actives. Now it seems that they are preying on us seniors and Veterans!!!
And I am still getting phone calls from them telling me that I am going to prison if I do not agree whit what they demand in court!!!
I think I have to report this to the DOJ and Home land Security for possible money laundering! I could be in trouble if I do not?
Product: Payday loan, title loan, or personal loan

We received a confirmation letter on  XXXX / XXXX / 2017  from  U S Ba nk stating that the loan amount has been " fully satisfied ''. We expected that a timely receipt of a clear title would be forthcoming given that the {$58000.00} was received b y U S B ank. We have contacted th eir Consumer Loan Service  Payment weekly to no avail.
Product: Checking or savings account

Back earlier this year, a company withdrew money from my account, realized their mistake and returned the full amount to my account. The bank still charged me an overdraft fee and added interest and now the bank just messed up my credit score and still want full payment. I feel that why do they get to mess up my credit, get paid in full, and then it takes my credit forever to repair. That should not be allowed, thank you.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNT : XXXX XXXX  Account Number : XXXX