23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made all of my payments on tome from XX/XX/XXXX till XX/XX/XXXX. TransUnion has me making a late payment in XXXX. They remove it, then put it back on. I have all my cashed checks showing it was paid on time. Also my balance is {$270000.00} and they have my balance {$33000.00}. I was just denied a credit card based on what they reported on my credit report. I believe they are purposely reporting inaccurate information.
Product: Bank account or service

ETrade bank alerted me to ( XXXX ) fraudulent purchase transactions on my debit card before they posted to my checking account. The next day they posted to my account deducting the funds because they claim they are powerless to stop them from posting. Day after day after day they refuse to refund me the amounts of those transactions.THIS IS AN OUTRAGE!!! They also charged me overdraft fees on top of it!!! Amazing. The ETrade bank fraud department is a JOKE. It 's there to give the appearance that they will protect you against fraud ... they actually do NOTHING. The head of the fraud department told me that it is their policy to impose a processing period of 90 days before crediting back the fraudulent transactions even if the merchants have already done so!!! CROOKED!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to protect some of my most personal/sensitive information with their recent mass-leakage. A company like this should be held to the highest of standards when it comes to data security. This type of leakage is just plain unacceptable -- it should *never* happen with a company like this. Now, I will have to commit hours of my own personal time to mitigate my own risk and I definitely lose sleep over this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Hard Inquiries 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX this is the 4th time I have request legal and proper documentation from this company concerning this fraudulent unverified account that I never even heard back any type of information to even do a simple investigation.
Product: Credit reporting or other personal consumer reports

I am writing this to file a formal complaint against XXXX XXXX Bank regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 U.S. Code 6802 of the Gramm-Leach Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/year>, I notified XXXX XXXX XXXX  that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 U.S. Code 6802 of the Gramm-Leach Bliley Act ( GLBA ), and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX  complies with all federal regulations and laws including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX XXXX. 

Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.
Product: Debt collection

Global receovables never sent the letter of assignment outlined under fla stat XXXX notifying me of my right to dispute under section XXXX of the FDCPA. This agency made no attempt to send aforementioned letter to my correct mailing address [ deltona is n't my address ) as listed on my credit. Furthermore, I 've had insurance since XXXX/XXXX/XXXX and all medical bills inxurred this year have been pd through my insurance.
Product: Student loan

I have been trying to get a correct payment amount for my student loans on the XXXX plan. I have submitted XXXX Income Driven Repayment ( XXXX ) plan requests to MOHELA, none of which have been processed/calculated correctly. I login to see the payment amount is {$370.00} a month when every estimate I've received from StudentAid.gov and from MOHELA themselves estimates me at about $ XXXX a month. I call to ask why this continues to be an issue and the front-line customer service representatives have no clue and just submit a new XXXX application for me which continues to be incorrectly processed/calculated. Below are the dates of XXXX applications I've submitted, and their outcomes according to MOHELAs website, all of which have not been calculated incorrectly. 

XXXX XX/XX/2023 Cancelled XXXX XX/XX/2023 Approved ( Provided more in-depth income info from tax returns and amount still incorrect ) XXXX XX/XX/2023 Canceled XXXX XX/XX/2023 Denied XXXX XX/XX/2023 Canceled XXXX XX/XX/2023 Approved ( switched from XXXX plan XXXX SAVE plan, but amount incorrect ) XXXX XX/XX/2023 Denied I have submitted these applications a variety of ways. I have submitted them via XXXX, via self-service portal on MOHELAs website, and over the phone with a customer service XXXX None of these methods produced different results which leads me to believe that the teams that process these applications are doing them incorrectly. 

My issue is threefold - XXXX ) I need a payment I can afford and I can not spend the HOURS it takes to wait on the phone for MOHELA because assumingly thousands of others are experiencing similar issues XXXX ) When I do get someone on the phone they are untrained, unaware, and unhelpful. Most are totally unaware of the different provisions of the program I am applying to ( SAVE program allows for married couples filing separately to NOT include their spouse 's income, which most reps were surprised by or flat out told me I was wrong ) XXXX ) StudentAid.gov and MOHELAS OWN CALCUALTOR ON THEIR WEBSITE say I should be paying a MUCH smaller amount than I am, yet every time it is processed the amount is VASTLY incorrect. Are the estimates provided by XXXX ( operated by XXXX of XXXX who own my debt ) and MOHELAs incorrect? That is a major issue if so. If they are correct, what calculations are being done behind the scenes to lead to such discrepancies? I could understand if my estimate was {$20.00} a month and it ended up being {$50.00} that is reasonable. {$370.00} a month isn't a rounding error, that is a fundamental miscalculation.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit file and I just notice that there are over 20 inquires on my credit report. I did have a few new credit cards and they are fine. However, I never applied for any loans or business apps for the following companies : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I do not have any accounts or any dealings with these companies please delete them at once. 
Fair Credit Reporting Act - Fair Credit Reporting Act ... 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] .Sec . 604. Permissible purposes of consumer reports Please send me any copies of my signature or something showing that I had submitted app because this is an obvious error.
Product: Credit reporting or other personal consumer reports

FINAL NOTICE RE : DEMAND FOR DELETION OF LISTED ITEMS/Per XXXX Privacy Act Also see ; Gramm leach Bliley act 15 U.S. Code & 1681- Congressional findings ad statement of purpose ( 3 ) consumer reporting agencies have assumed a vital role WHERE DO YOU GET YOUR AUTHORITY Consumer Relations Dept : THIS SHALL PROVIDE YOU FORMAL WRITTEN NOTICE of numerous violations of FCRA consumer law statute, regarding said personal private credit file.

Per the FCRA, I am entitled to have a fair and accurate credit report.

XXXX PRVACY ACT, you have the right to privacy., 15 US code 1681 602A the right to privacy,.

15 US code 1681 604 A cra can not furnish an account without my written permission., See non-public personal information., 15 US code 6802-obligations with respect to disclosures of personal information ( a ) Notice requirements ; ( b ) The term affiliate means any company that controls, is controlled by, or is under common control with another company.

A person can only report to a affiliated corporation., A affiliated corporation is one in which the reporting person has a 51 % or greater controlling interest., 15 US code & 1681s-2 ( 7 ) Negative information ( A ) Notice to consumer is required ( I ) In General ; any financial institution that extends creditshall provide a notice of such furnishing of negative information, in writing, to the customer.

This shall be done 30 days before, or after furnishing of any such negative information.

Reporting of any alleged debt, as if it is a actual debt, ( never verified/validated or court order ), is ultra-vires action, HEARSAY.

Without a consumers written permission, reporting of any unauthorized information, for a commercial purpose, is a ultra-vires criminal RICO, ( 3 or more ), violation, resulting in, 18 US code 1028A- Aggravated Identity Theft, actions Designed to keep American consumers in illegal/unlawful financial slavery, see U.S. v Kozminsky 487 U.S. 931 ( XXXX ).

The below listed items are incorrect and are causing irreparable harm and distress because of your predatory business practices.

Any continued reporting would be another violation, 15 US code & 1681n, knowingly, violating consumer lawyer, and Calif business professional code 17200. These items are as follows
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I had a car loan through XXXX XXXX XXXX XXXX. The car was return back to the lender 2 years ago and I recieved a check because they SOLD MY CAR. They took my car from my parking spot 2 YEARS ago. It was paid for after being sold and was removed. 

After looking at my credit documents on ALL 3 bureaus, they are still reporting this CARD AS LATE PAYMENTS, ITS CURRENTLY STILL OPEN AND REPORTED. I do not have possession of this automobile. 

Because if this, this is a additional reason I cant not get an apartment, credit or anything because its showing I owe a car company who not only took the car but sold it as well. 
The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits what debt collectors can do when attempting to collect certain types of debt. The federal Fair Credit Reporting Act ( FCRA ) covers how debts are reported in credit reports. In addition, there are state laws that provide protections against unfair and deceptive practices. 


The ruling interpreted 1692e of the FDCPA, which prohibits debt collectors from using any false, deceptive, or misleading representations or means in connection with the collection of any debt.
Product: Debt collection

I wanted to buy a desk from uplift desk. I chose the buy now pay later option with affirm. I returned the desk. The incorrect amount was applied to affirm. They charged 15 % at XXXX  for restocking- outside of their available policys incorrectly. I submitted documents proving that to affirm in my dispute within 30 days. Affirm continued to respond with automated responses, which mean nothing to me. They did not contact the company uplift desk until XX/XX/2022 about their policies of returns. Affirm told me it is too far outside the time frame to accept the dispute even though I provided all the correct documentation to them in my dispute that they requested. No one opened the documents in my original dispute at affirm. Affirm is reporting negatively to my credit and incorrectly. I am not responsible for payment of an item I returned to the company in whole and in compliance with their returns the entire amount should have been returned and it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is regarding XXXX XXXX XXXXXXXX. They place an unauthorized inquiry on my credit on XX/XX/XXXX, XXXX.I am a victim of identity theft and this is noted on all three major credit reporting agencies, please see below. 
XXXX XXXX from XX/XX/XXXX XXXX XXXX. XXXX This inquiry could stay on your report until XX/XX/XXXX. 

I am a victim of identity theft and this is noted on all three major credit reporting agencies, please see below. 
XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted complaint to Trans union, XXXX And XXXX to make sure all of my accounts were properly investigated and to make sure everything was 100 % correct on my account. The credit bureaus stated XXXX XXXX, DPT EDXXXX, DPT ED/XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX, US DEPT EDXXXX US DEPT EDXXXX, DPT EDXXXX, DPT ED/XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last activity is inaccurate, date last reported is inaccurate, account numbers are inaccurate, account type is inaccurate, balance is inaccurate XXXX comment section is inaccurate XXXX high credit limits are inaccurate, number of months ( terms ) is inaccurate and two year payment history is inaccurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit credit as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Harrasing phone calls about loans that we never asked them about. Insisting we verify our information with them that we never gave them. After asking repeatedly to not call and remove from their call list XXXX XXXX insistently kept asking for more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LOOKING AT MY CREDIT REPORTS AND I HAVE A FEW FRAUDULENT ACCOUNTS. THESE ACCOUNTS ARE CAUSING ME LOTS OF EMOTIONAL DISTRESS FOR MY FAMILY AND MYSELF. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO FOR MY CHILD WHEN THE BUREAUS ALLOW THESE ACCOUNTS ON MY CREDIT PROFILES? I RECENTLY APPLIED FOR CREDIT AND THESE ACCOUNTS SHOWED UP WHEN THE CREDIT CARD RAN MY CREDIT PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -TRANSUNION XXXX -- XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2020 XXXX Inquiry :XX/XX/2020 XXXX XXXX XXXX OF Inquiry : XX/XX/2020
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO FCRA 605B ( 15 U.S.C 1681c-2 ) THAT YOU, THE CREDIT REPORTING AGENCY, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS THE RESULT OF XXXX XXXX AND FRAUD WITHIN XXXX BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT. THIS FRAUDULENT, INACCURATE, AND FALSE INFORMATION CONSISTS OF A PERSONAL AUTO LOAN ACCOUNT OPENED AT XXXX XXXX UNDER ACCOUNT XXXX, AN PERSONAL LOAN OPENED AT XXXX ON XX/XX/XXXX UNDER ACCOUNT NUMBER XXXX. THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT HARD INQUIRIES AND FRAUDULENT COLLECTIONS/CHARGE-OFF APPEARING ON MY CONSUMER XXXX CREDIT REPORT. I'VE ATTACHED A LIST OF THE HARD INQUIRIES IN QUESTION AS WELL AS A COPY OF THE ITEMS. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS/CHARGE-OFFS 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/CHARGE-OFFS AND HARD INQUIRIES ARE THE RESULT OF XXXX XXXX AND FRAUD. I HAVE ATTACHED A COPY OF A FTC XXXX XXXX XXXX COMPLAINT AS PROOF FROM THE US FEDERAL TRADE COMMISSION THAT ALL OF THE AFOREMENTIONED CONSUMER CREDIT ACCOUNTS, COLLECTIONS/CHARGE-OFFS AND HARD INQUIRIES ARE THE RESULT OF XXXX XXXX AND FRAUD.
Product: Debt collection

I sent XXXX XXXX XXXX a USPS Signature Required, Cease and Desist Letter, to stop all forms of communication with me on XX/XX/XXXX order number XXXX. This letter was signed for by XXXX XXXX XXXX. I have now started to receive letters from XXXX XXXX   XXXX again today XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute and request the removal of certain previous addresses from my credit report, as governed by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed that there are addresses listed that are no longer associated with me, and I request that they be removed promptly. 

The inaccurate addresses that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are outdated and do not reflect my current residency. According to the FCRA, only accurate and verifiable information should be present on my credit report. As such, I am requesting the removal of these addresses to ensure the accuracy and integrity of my credit file. 

The only address that should remain on my credit report is : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX I have attached proof of residency documents for my current address to support this request. I kindly ask that you investigate this matter and remove the inaccurate addresses from my credit report as soon as possible. 

Under the FCRA, I am entitled to a fair and accurate credit report, and I trust that you will take the necessary steps to rectify this discrepancy. Please provide written confirmation once the incorrect addresses have been removed from my credit report. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the provided contact information. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

When the account was closed at the end of XXXX. There was a remaining balance in the account. Consumer contacted in XXXX for update address so check can be mailed. It was supposed to be sent out in XXXX. They asked for updated lease agreement. Still have not received check since XXXX. Called back into XXXX. Said I needed to send lease agreement again .I sent lease agreement again but now we are in XXXX and still nothing has been updated or sent out. And they haven't contacted me. I have been contacting them and no answer. The account is closed out and I just need my funds sent to me. It is now XXXX and still no contact has been made to consumer or refund check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting that I am XXXX XXXX XXXX days late on the XXXX account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on accounts with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

Debt Amount XXXX Collection Company ( XXXX XXXX XXXX XXXX the original creditor XXXX XXXX XXXX  XXXX Date of the loan, showing XX/XX/22. 


My identity was stolen on a loan I never applied for.Someone got a whole of my personal information and used it to obtain XXXX bank is XXXX XXXX XXXX never received notice or call in reference to this loan.I need to see once this loan was obtained, if any payments were made on this account and if so, by whom and what account, and how the account was being paid.I am not showing any inquiry on my credit report in question about this loan..The loan was turned over to a collection company by the name of XXXX XXXX XXXX I am requesting for the original purchase agreement from XXXX XXXX XXXX, that shows that they are the original legal owner to this alleged debt.Please include all the terms and purchases in this agreement