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

I am writing to urgently request the removal of a fraudulent item from my credit report. Despite my continuous efforts and multiple disputes, the following fraudulent account remains on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and it is the responsibility of the credit bureau to investigate and rectify these inaccuracies promptly. I request that you could help me : Immediately remove the fraudulent item from my credit report. Provide written confirmation of the removal. Given the extensive history of my disputes and the lack of resolution, I am also filing a complaint with you to seek their assistance in resolving this matter. Failure to address these inaccuracies XXXX result in further legal action to protect my rights. Kindly help me remove the following items immediately : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} ; U S DEPT OF EDXXXX XXXX Balance Owed : {$7700.00} ; US DEPT ED XXXX Balance Owed : {$2600.00} ; US DEPT ED XXXX Balance Owed : {$6600.00} XXXX US DEPT ED XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; US DEPT ED XXXX Balance Owed : {$280.00} ; US DEPT ED XXXX Balance Owed : {$3100.00} ; US DEPT ED XXXX Balance Owed : {$4900.00} ; US DEPT ED XXXX Balance Owed : {$10000.00} ; US DEPT ED XXXX Balance Owed : {$4000.00} ; US DEPT ED XXXX Balance Owed : {$2500.00} ; US DEPT ED XXXX Balance Owed XXXX {$6400.00} ; US DEPT ED XXXX Balance Owed : {$8800.00} ; US DEPT ED XXXX Balance Owed : {$7500.00} ; US DEPT ED XXXX Balance Owed : {$3100.00} 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

This complaint is to inform the CFPB that I am in receipt of the correspondence from Transunion in regards to the former complaint I submitted on XX/XX/2022. 
The companys reply is unresponsive to my request. 
I specifically requested proof of my consent in relations to the following accounts on my credit report ; XXXX XXXX XXXX Partial account number XXXX XXXX  XXXX XXXX  Partial account number XXXX XXXX Partial account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Partial account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Partial account number XXXX 15 U.S. Code section 6802 - Obligations with respect to disclosures of personal information A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party, any non-public personal information, unless such Financial institution provides or has provided to the Consumer. 

B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the Consumer is given an explanation of how the Consumer can exercise that nondisclosure option. 
Transunion has failed its legal responsibility to protect the my privacy by continually stalling to adhere to my request. 

The GLBA privacy rules, as enforced by the various regulators, generally require : Clear and conspicuous notice of the financial institutions information-sharing policies and practices, including what information it collects and with whom it shares the information. Covered institutions may use a model privacy form published by regulators as a safe harbor. The privacy notice must be provided when a customer relationship is established, and annually thereafter unless the financial institution does not engage in any sharing for which customers have the opportunity to opt out and there have been no changes in policy or practice since the previous privacy notice.4 Providing customers the right to opt out of having their nonpublic personal information shared with nonaffiliated third parties, subject to a number of significant exceptions, including for joint marketing, processing consumer transactions, and service providers. Financial institutions must process opt-outs within 30 days.
Product: Debt collection

XXXX XXXX has had an account that is almost three and a half years old. They have written off this as a bad debt or charge off and the account has been closed, which means that they have written off thison their business taxes, yet and still they are trying to collect. They send numerous letters to myself and my mother about a debt. This debt is beyond the time frame for them to still be reporting and trying to collect money that they already written off and closed
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 5 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number -Account # XXXX ( private ) Only on my ( XXXX ), ( TransUnion ) XXXX report. 
An auto loan account opened at ( XXXX  XXXXXXXX XXXX XXXX ) on XXXX, XXXX, XXXX under the account number XXXX ( private ) Only on my ( transUnion ) ( XXXX ) consumer report Another Capital XXXX auto finance on XXXX, XXXX XXXX under the account number XXXX only reporting on my transUnion consumer report. 
Lastly a collection account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX ( private ). 

Auto loan account opened at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX under the account number XXXX Only on XXXX, XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my credit report concerning a bankruptcy. The U.S. Bankruptcy Court does not report case information to credit reporting agencies per the attached letter from the Court.

Specifically, XXXX XXXX is reporting account numbers that are different. The credit reporting agencies have all indicated that the information was verified by XXXX XXXX, not the U.S. Bankruptcy Court. XXXX XXXX has indicated that it used information from XXXX, not the Court. The information is different and inaccurate. Please see attached. 

The credit reporting agencies are using information that XXXX XXXX purchased from a disinterested third party that is unreliable, incomplete and inaccurate. 

Since it did not get the information from the Bankruptcy Court and the court doesnt report case information to XXXX XXXX, it has verified inaccurate information and the credit reporting agencies have used this information willfully and negligently. A violation of the statute.
Product: Debt collection

My id was stolen and multiple accounts were opened under my ss # I filed police reports and have sent them in. On or about XX/XX/year> I received a alert from XXXX that my XXXX score had dropped over XXXX points. After checking my credit file I saw that XXXX XXXX XXXX has put a collection notice on my report for non payment. in the amount of {$2600.00}. This is not my account i have started a dispute with XXXX and notified XXXX XXXXXXXX XXXX. I don't know what else to do I would like to have this removed from my credit file. I have all my and my wife 's bills taken out in full automatically from our checking account, we don't have a mortgage and don't carry balances on our credit cards.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S Department of Education XXXX DOE ) and the Department of XXXX Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
4. Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. Immediate notification to all major credit bureaus ( Equifax, XXXX, XXXX, and XXXX XXXX XXXX to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

County Clerk shows that a lien still exists on a vehicle that I possess that was opened on XXXX with Regions Bank. I am not sure but my best guess would be that it would have been paid off in early XXXX. My wife tried several times to get this completed when it was paid off but we soon forgot about it. Now we are trying to sale the vehicle but cant because the XXXX shows a lien. Region says that their files from that far back have been purged from electronic storage and we are getting the run around again on obtaining a lien release. They can verify that neither me or my wife have a loan with them but still wont issue a lien release.
Product: Mortgage

BB & T is the loan servicer on my delinquent FHA mortgage loan. Although I engaged their loss mitigation department seeking assistance, I dont feel that they have a vested interest in ensuring that my loan is put through a review for retention options. Instead, they have scheduled a sale date on my property for XX/XX/2019. I believe that there are certain servicing guidelines that they must follow when servicing FHA loans. They have never offered me a forbearance, loan modification or other retention option to save my home. I went through some rough times financially, but am getting back on my feet. My ex-husband is not paying his child support payments nor alimony. I have XXXX kids, work full time as a XXXX and am doing the best I can. I need BB & T to work with me so that I can keep my home. With the responsibilities that I have, I can not find another place to live or be thrown out onto the streets. I am hoping that you could look into what they are doing with my loan and why they have failed to offer any sort of mortgage retention option that would allow me to save my home. I made a phone call to them late last year and they said that I can send them in an application, but the process was very daunting. I feel that they just slapped a sale date on my home without really trying to help me. I am sending then a full package for review for mortgage assistance and am hoping that you could contact them to ensure they follow proper protocol when it comes to requests for mortgage services.
Product: Debt collection

They have been told repeatedly to stop contacting my place of employment, my employer has even told them that I am not permitted personal calls at work - they wo n't stop calling
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a dispute letter to Transunion, XXXX, XXXX to remove negative items.Transunion, XXXX, XXXX then removed some negative items but not all. A couple weeks later these negative accounts were reported back on my reports inaccurately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  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 XXXXXXXX Bankruptcy XXXX, Bankruptcy XXXX has violated my rights. 15 U.S.C 1681 section 602 A. Section 1 States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 States a consumer reporting agency can not furnish a account without my my written instructions.
Product: Credit reporting or other personal consumer reports

Reached out to transunion and they refused to do so after I informed it was unauthorized and unverified
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSUMER # XXXX XX/XX/XXXX my wife reached out on my behalf to file a dispute with LexisNexis to have the NON-VERIFIED information regarding a dismissed bankruptcy that claimed to have taken place XX/XX/XXXX removed for false information. I'm in the process of rebuilding my credit to purchase a home and have a time limit to do so. The time limit for the information to be looked in is 40-60 days. The time is up for LexisNexis 's research and I'm requesting the information to be removed and provide me with an updated status on my LexisNexis report with the information showing " no bankruptcy being reported '' in the NON-VERIFIED section, not verified. Verified section has already been removed and I received documents on XX/XX/XXXX showing this. XX/XX/XXXX, I was told by a LexisNexis representative that the credit reporting department, which can only be reached by LexisNexis employees, is still working on the dispute after the allotted time has passed. LexisNexis has used the the whole time frame to do this and since they're not able to come up with any information proving their claim, they should not get further time to do so. I am crunched for time and should not be hassled nor hindered by false information being reported on their behalf. LexisNexis should let its customers know when disputing reported information that when they receive the updated report showing an item being deleted, that they are in fact portraying false information. It seems like LexisNexis is " blowing smoke '' in a consumers face to make it seem like they've corrected an issue when in reality there's a UN VERIFIED section that has to have a dispute placed in as well. A consumer would  only find this out if they're actively watching their credit report and having the credit reporting agencies come back saying LexisNexis has verified the same information they claimed to have removed. Taking more time for the consumer to have the information deleted and putting more inconvenience on them. I've been going back and fourth with this company since XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

It was happen on XX/XX/2020 my friend send XXXX XXXX to me but when i tried to cash out the money they decide to permanently banned my paypal account but i dont do anything wrong so i waited 180 days ... .and yesterday XX/XX/XXXX was the 180 days of my paypal but i still cant get the moneyi hope you help me to resolve it ... 
Thank u in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concerne I am requesting for XXXX XXXX and XXXX XXXX to fix my credit to be they way I had it XXXX credit limited not at XXXX credit limited that they did to my account. They need to stop this GIMMICK SCAM and CORRUPTION with this both company. 

Doing a follow up with the complaint ID on file XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> GRANTOR/ORIGINAL CREDITOR/PLAINTIFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX, GA XXXX TRACKING # XXXX XXXX XXXX XXXX XXXX ATTN : transunion TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS THEY READ : : XXXX ACCT # XXXX, XXXX ACCTS : # XXXX, XXXX  ACCT # XXXX, XXXX XXXX OF XXXX XXXX ACCT XXXX XXXX XXXX ACCT # XXXX TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE # XXXX AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS # XXXX IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. 


SINCERELY, XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

Hello Comenity, You guys are killing my Credit Score. I have been a XXXX customer since 2015. I recently requested a Credit Line increase, to which the system advised a letter would be sent within 7-10 days. We all know that means denied! 
I had no idea, you 'd be running a hard inquiry on my XXXX report that will of course stay there for 2 years. 
So, in regards to this limit increase reqiest First you place a hard inquiry on my report, since I requested a limit increase and then send me a letter via the account management center telling me that you can not contact me in regards to information in my credit report. That 's vague and foolish. 
Then, I just called your CS in regards to this letter and then, the agent tells me the same thing and says she will submit another request ... .without telling me that it will be another hard pull on my XXXX report. ARGHHHHHHHHH! 
Yes, I subscribe to the CRAs for up to date information on my report, whenever any changes are made, it will alert me right away! 

I need you guys to remove the hard inquiries on my report asap. Or provide me with the Credit Line increase. Here I am with an annual income of over $ XXXX a year and all you can dole out to me for XXXX is {$1000.00}. 
Not to mention, I have many other open and actively paid account -on time with Comenity and you treat me like this! I think it may be time for us to separate. 
... XXXX hard inquiries in the same time frame for the same thing, is uncalled for and very unprofessional. 
I am not going to live for 2 years with hard inquiries on my report, a credit score that is dropped for no reason and and your company does n't know why you can not contact me when my contact information has been the same since opening the account. Hello! 


-XXXX
Product: Mortgage

XXXX ) deducted approx. {$150.00} in excess of the am't to which I had agreed, - WITHOUT ANY NOTICE, oral or written to me. XXXX is XXXX ( at least ) lender in line. XXXX ( Complainant ) has never had any lapse in casualty insurance, or tax, provision ( s ) for the entire life of the loan! XXXX has taken a chge of {$270.00} " owed '' for alleged failure to maintain hazard ins on said prop'ty [ defined as XXXX XXXX personal residence XXXX has provided only dunning letters, giving NO information. XXXX that XXXX is specifically attacking XXXX on the basis of 1 ) XXXX and2 ) XXXX Plaintiff in # XXXX of XXXX " XXXX '' cases. XXXX XXXX hazard ins co. broker faxed proof of continuing coverage on XXXX/XXXX/2015 to XXXX Co.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

A company I believe to be a Scam Debt collection agency contacted me stating I owed a debt from 2011 on a payday loan and that I was facing prison time for fraud. They stated they were contacting the XXXX 's office to press charges on behalf of a payday loan store I do not remember. They also contacted my father stating the same and telling him I was looking at immediate prosecution and jail time if the debt was not paid immediately. The SOL passed after 12 months in the state of Tennessee ( anything under {$500.00} ), so any debt can not be collected on with the threat of action anyway. They have attempted to collect further information and payment through contacting other family members in other states and informing them I will face prison time unless someone pays this debt. 
The name of the company is : XXXX, XXXX XXXX. XXXX XXXX XXXX, FL XXXX Phone # XXXX I am certain they are scammers and will be sending them a notarized cease and desist letter with return reciept requested.