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

First and foremost, I am brand new to the world of credit. I have never owned, acquired or applied for any such credit card, loan or financing under my social security number. Upon creating an account with XXXX  XXXX  and XXXX, I noticed that I have a total of three hard inquires under my TransUnion Credit Report that are absolutely not mine again, I am new to the world of credit, and I am not sure if there is some sort of identity-theft taking place, or if my account is being mistaken for another. Please help me resolve this issue. My case number is XXXX. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express will not apply the Military Lending Act to my account. I have confirmed through the MLA database that my wife and I are indeed eligible for MLA. American Express claims that since the account was opened before XX/XX/XXXX that we are not eligible. However, the law states that companies must comply by this date ; it does not state that you are not eligible. 

I filed a complaint, XXXX, in XXXX of XXXX and they refuse to apply MLA to our account. 

Details from American Express : I would like to inquire about the status of XXXX Thanks for the clarification. Let me check the details for you. Please allow me a few moments. 

I am still checking the escalation. Please allow me a moment. Thank you. 

Thank you for waiting. I am sorry to keep you waiting. My apologies. 

I have checked the details from my end. I see that our back end team investigate this and as per the notes they have confirmed the email send on SCRA about this account is not eligible as well.

As per this notes it says.. 
After reviewing your inquiry, our records indicate that you are not eligible for relief under the Military Lending Act. We will continue charging any applicable fees.

And also on SCRA Our records indicate your account was opened during the XXXX XXXX time period. Therefore, this account is not eligible for relief under the Servicemembers Civil Relief Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$14000.00}, XXXX XXXXXXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/23 transactions {$15.00} {$10.00} {$10.00} {$11.00} {$11.00} {$11.00} {$15.00} {$15.00} {$20.00} {$20.00} {$25.00} {$30.00} {$46.00} from XXXX. I didn't authorize any of these charges. I called the bank to dispute and they put the money back in my account, then reversed the charges saying their investigation was complete and that the transactions were indeed made from my account. 
I told them I never made these charges and they said I have to prove I didn't. I asked how I can prove that I didn't make the charges. My XXXX account shows no charges on my account and I said I can send them these screenshots and they said I have to wait 15 days for a packet of info to arrive at my address and that will show me how to dispute these charges. But the packet I received 30 days later only said that Chase deems these transactions to have been authorized.
Product: Student loan

I recently recertified my employment for PSLF. I have XXXX loans. For XXXX of them, MOHELA says Ive made XXXX qualifying payments. For XXXX, they say Ive made XXXX qualifying payments. I printed out statements to find the discrepancy and noticed that the XXXX loans that show XXXX fewer payments are missing many ( some are missing all ) of the months starting XX/XX/XXXX and ending XX/XX/XXXX. In that time period, I had XXXX qualifying periods through the special waiver - XX/XX/XXXX through XX/XX/XXXX. I do not know why these months, XXXX of which are eligible towards the loan forgiveness count, are excluded entirely from XXXX of my loans and believe that is an error. I would like those months considered and my PSLF payment count updated on all loans to reflect them.
Product: Student loan

Presently in the SAVE forbearance. Applied via the online Income Driven Repayment ( IDR ) application on StudentAid.gov on XX/XX/year> to change from the SAVE plan to Income Base Repayment ( IBR ). Received a notification of receipt of my application from ED Financial on XX/XX/year> informing that processing should take 7-10 business days. Requested additional information via their help service on the status of my application and have also called their offices on XX/XX/year>. Was informed that for the month of XXXX ( and XXXX ) I was placed in a processing forbearance, which should count towards PSLF. However, no projected timeline was given on the status of my request to change to IBR and resume making payments.
Product: Debt collection

This account was paid in full on XX/XX/18 for XXXX check number XXXX
Product: Credit reporting or other personal consumer reports

Statement Regarding Unauthorized Sharing of Personal Information To Whom It May Concern, I am writing to address a concerning issue regarding the unauthorized sharing of my personal information by XXXXXXXX XXXX on my consumer report. This unauthorized sharing of information has come to my attention and raises serious concerns regarding the protection of my privacy rights and compliance with applicable laws and regulations. 

XXXX XXXX XXXX  actions in sharing my personal information on my consumer report without my authorization are in direct violation of several laws and regulations designed to safeguard consumer privacy and ensure fair credit reporting practices. Specifically, these actions may contravene the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Bureau ( CFPB ) regulations, and potentially state privacy laws. 

The FCRA mandates the accuracy, fairness, and privacy of consumer credit reports, including the permissible purposes for accessing and sharing consumer information. The unauthorized sharing of my personal information by XXXXXXXX XXXX may violate the FCRA 's provisions related to permissible purposes and the accuracy of consumer reports. 

Similarly, the XXXX requires financial institutions to protect the privacy and security of customers ' nonpublic personal information. XXXXXXXX XXXX XXXX unauthorized sharing of my information may breach the XXXX 's privacy requirements and regulatory standards set forth by the CFPB. 

Additionally, state privacy laws may provide further protections for consumer privacy rights and impose additional requirements on the collection, use, and sharing of personal information. 

I demand immediate action to address this unauthorized sharing of my personal information by XXXX XXXX and to rectify any inaccuracies or violations of my privacy rights on my consumer report. Furthermore, I expect XXXXXXXX XXXX  to implement measures to prevent similar unauthorized sharing of personal information in the future and to comply fully with all applicable laws and regulations governing consumer privacy and fair credit reporting practices. 

Please provide confirmation once the necessary actions have been taken to address this matter and ensure the accuracy and privacy of my consumer report. 

Sincerely, XXXX
Product: Credit card

I was sent a statement from Synchrony bank for a balance of {$71.00} per statement made online transaction for {$68.00} plus tax total of {$71.00} to which I did not make the charge for " XXXX XXXX XXXX XXXX XXXX ''. I called Synchrony back and advised them I did not make this charge. I had not used the card in over a year and when I paid my balance over a year ago the card was supposed to have been closed. I was told I had to call alot of different departments and I did this on XX/XX/XXXX of XXXX  and the notes are on the documents that will be submitted. So I have been fighting with these reps that do not speak english very hard to understand. Today after 3 months I called XXXX and was told I had to call the " Investion Team '' to which I did this on XX/XX/year> at XXXX am and was told by XXXX that the CASE was marked FRAUD and since I did not REQUEST for the finance charge to be removed they are claiming that I have to pay this. NO MAAM I sure am not I never authorized ANYONE to use my card and the charges ARE FRAUD so WHY would I pay for something I did not authorize nor do. I promise you I will not pay it nor will I EVER have another card with them.
Product: Credit card or prepaid card

I have scheduled a payment in the amount of {$170.00} on XX/XX/2022 to be debited from my account on XX/XX/2022. I have attached a screenshot of the confirmation email. Upon returning to the Comenity Wayfair site, it says my account has been closed. I called customer service number and the automated message alerted me that all phone lines are down. I have no way of confirming my scheduled payment and I am worried they will falsely report a late payment to the credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

For at least the past two years when trying to get my free credit report from XXXX, for Equifax, I am forced to mail in my request versus online. 

I seem to arrive at this requirement when I incorrectly answer questions about my credit file to verify my identity, although a specific reason is not given. I appreciate Equifax takes these measures. 

However, one of the question was regarding an account opened in 2002. It is completely unreasonable to expect a consumer to remember if a particular account was opened 17 years ago.
Product: Credit reporting or other personal consumer reports

These are fraudulent inquiries on my credit that report that need to be removed immediately. 


EQUIFAX MORTAGE SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The company failed to report to the credit bureaus the correct information about the account NUMBER XXXX and that the credit bureaus should be removed from my credit profile.
Product: Credit card

I have over XXXX XX/XX/XXXX of charges missing from my account, I had to file three disputes from my bank current. its I'm going two cards already, please investigate this bank, they say my bank is safe but it's isn't!
Product: Debt collection

Repeated robocalls From HRRG debt collection 3 to 4 times daily asking us to call 800 number. We have no outstanding debts. Calls come from different numbers each time
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - 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 15 USC 1681. 




XXXX # XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2022 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: Payday loan, title loan, or personal loan

My ex husband took out a small pay day loan from XXXX XXXX XXXX in XX/XX/XXXX in my name without my permission. He also gained access to my bank account so I soon after had to close my account. Today, 3 and a half years later, I received a phone call from a lawyer named XXXX XXXX in texas telling me if I dont pay {$250.00} by XXXX today, XX/XX/XXXX, cash central is going to file a formal complaint with the D.A. office here in California and have me arrested for fraud. Can they even do that? Please help me!
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 NUMBERXXXX ) 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CREDIT BUREAU 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, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I went to the dentist at XXXX in which they financed my mouth partial I realized after some time when first wearing that teeth were missing and a bad fit, In any case the loan was already signed, I refused to pay some much money. The company did offer some relief and I am was willing to pay after getting into to my email. When I finally get in touch with the company, I wanted to negotaite a lower rate and The form offered a lower rate and also a chance to click other. I click other on the online form to tell my story to get a little more off in which this was a resolution on the form. The advocate skipped over my request for a fair resolution and submitted me to collections and charged me the original loan amount without any of the intial resolutions their company presented. She emailed me that it was in collections and never gave me my other chance for resolution. I don't see where this she did her job as a resolution specialist with making whatever decision she wanted.
Product: Credit reporting or other personal consumer reports

The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation my rights. Because ot this, BOTH accounts need to be removed from my credit report inmediately due to not properly validating the information in which a company has passed to you. Please delete inmediately. When the requested above deletions are made, please mail me an updated copy of my credit report you list account one and you list account two. 

XXXX XXXX XXXX XXXX  Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got 6 alerts for new inquiries that I never applied XX/XX/XXXX on Macys XX/XX/XXXX on XXXX XX/XX/XXXX XXXX XXXX  I did the claim for the other two news inquiries
Product: Credit reporting or other personal consumer reports

CREDIT REPORTING AGENCIES- XXXX TRANSUNION AND XXXX Please be advised that this is third WRITTEN REQUEST and FINAL WARNING that full intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance Despite my previous 11 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
You stated in your responses to my 11 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after eleven written requests is also evidence of your willful disregard of Federal Law When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the court will order you to delete them. 
You say that you have reinvestigated these accounts but youve admitted that all you have done Is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). also asked you for the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 
Please be advised that under Section 611 ( 5 A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' I request that you do this The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and full intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Product: Debt collection

The attorney is attempting to collect a debt and is subject to the rules and debt collection practices of the Fair Debt Collection Practice Act ( FDCPA ). Heintz v. Jenkins, 514 U.S. 291 ( 1995 ). Attorney violated the ( FDCPA ) around XX/XX/XXXX, and XX/XX/XXXX, by refusing to submit a full chain of assignments, the original contract between the debt buyer and alleged original creditor with the terms and conditions also can not produce a signed original contract between the alleged creditor and me, also I have no contractual obligation with the debt buyer also under the 30 day validation period of the ( FDCAP ). An attorney can not claim any privileges under the ( FDCPA ) and is not shielded from the ( FDCPA ) and has failed to comply with the validation process also the discovery process and is still attempting to collect the alleged debt The attorney is using false and deceptive tactics by claiming that I owe the debt because the debt was not disputed within 30 days. This is a violation of the ( FDCPA ) and the attorney also the debt buyer must comply with the procedures of the ( FDCPA ) and stop trying to collect an alleged debt they have failed to prove any legal standing to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX Account 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 15 U.S.C 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