23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Despite the fact that the CARES Act required that all student loans would be in forebearance and no payments would be required between XX/XX/2020, and XXXX XXXX, 2020, PHEAA/FedLoans autodebited a payment of {$870.00} from my student loan account on XX/XX/2020. I have written in twice requesting a refund ( once in early XXXX, and one on XX/XX/2020 ) and have not heard back on either occasion.
Product: Vehicle loan or lease

Westlake Portfolio Management took over auto loan from bankrupt company XXXX in XX/XX/year>. They didn't advise of any payments had been put on the back end of the loan. When sick with XXXX XXXX XXXX  called to get payments put on the back end due to the offered a payment option for financing hardship. I was out of work for a month without pay. Once vehicle was repossessed I was given the offer to pay {$1000.00} to get vehicle back. Loan paperwork from US Auto stated that notice has to be given 10days before vehicle is up for sell. Westlake Portfolio Management never called nor mailed a letter before vehicle was sold. On XX/XX/year>. At this time they had received {$700.00} in payment. There was no new contract signed when XXXX XXXX XXXX took over.
Product: Credit reporting or other personal consumer reports

I need for Experian to delete the following accounts for inaccuracy because the date last active is inaccurate : XXXX Acct # XXXX, Experian has XX/XX/XXXX, XXXX has nothing account is not on credit report, and XXXX has XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX- Acct # XXXX, Experian has XX/XX/XXXX, XXXX does not have this account on my credit report, XXXX has XXXX XXXX XXXX, XXXX. XXXX XXXX- Acct XXXX XXXX, Experian has XX/XX/XXXX, XXXX has XXXX XXXX, and XXXX has XXXX XXXX XXXX, XXXX. XXXX- Acct XXXX XXXX, Experian has XX/XX/XXXX XXXX XXXX account is not on credit report, and XXXX has XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX- Acct # XXXX, Experian has XX/XX/XXXX, XXXX does not have this account on my credit report, XXXX has XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX Acct # XXXX, Experian has XXXX. XXXX, XXXX, XXXX does not have this account on my credit report, XXXX has No Info. XXXX- Acct # XXXX, Experian has XX/XX/XXXX, XXXX does not have this account is not on credit report, XXXX has XXXX XXXX XXXX, XXXX. XXXX XXXX- Acct # XXXX, Experian has XX/XX/XXXX, XXXX does not have this account on my credit report, XXXX- Acct XXXX XXXX. XXXX, XXXX. Please mail me a corrected credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed section 128.21 in the state of Wisconsin. XXXX XXXX  was notified in XX/XX/2018 was court ordered to reaffirm my debt. They received payments according to my court order agreement. And still charge off my account. The sent my account to a collection agency. And broke the law. I called XXXX XXXX and spoke with the collection department. I was told they Did not have to abide the agreement. Because there in a different state. I was given the card living in Wisconsin so yes they do have to. I need this account to be update to closed and current or removed from my credit period.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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

JPMCB ( XXXX bank ) has a auto loan date XXXX/XXXX/206 which is XXXX years old and should be remove from my credit report
Product: Credit reporting, credit repair services, 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 1681. 

XXXX XXXX XXXX XXXX  XXXX has violated my rights. 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only address that is accurate on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX These addresses were used by fraudsters and need to be removed so my personal information is not mailed there anymore so No body will have access to my information or the ability to have access to my credit again XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX My name is spelled XXXX XXXX I never used or applied with the following spelling below and should be removed and deleted Incorrect spellings of my name XXXX XXXX XXXX XXXX XXXX And I have a outdated job listed I try to remove several times which is listed below I would like removed and deleted XXXX XXXX XXXX This is my correct cell phone number XXXX These phone numbers listed below are inaccurate and are not mine XXXX XXXX XXXX
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 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX  XX/XX/2023 TransUnion XXXX XXXX  XX/XX/2023 TransUnion 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: Checking or savings account

I was notified by Juno by CapitalJ , Inc. that my funds are not accessible via ACH nor debit card transactions. Juno claims they are not responsible. Their website " XXXX '' claims the issue is due to their banking partner XXXX XXXX  XXXX XXXX having issues. I couldn't find any information online that XXXX XXXX  XXXX XXXX was having any issues. I would like to access my funds immediately. I hope CFPB can help me with investigating why this is happening and when it will be resolved. I need access to my money! Please help me!!
Product: Checking or savings account

Received debit card and account opened letters in mail from PNC Bank in my name. I did not open any accounts at PNC Bank. Debit card received Friday, XX/XX/2021. Received " Thank You for opening '' letter for three accounts that weekend. Called PNC Friday re : the debit card and they completed a form and stated I'd get a call from fraud team within 24 hours. Did not receive call. Called again Monday re : the letter and the three accounts and was told a search would find all accounts opened in my name and close them out. Received confirmation letters dtd XX/XX/2021 that the three accounts were closed. Also placed fraud alert with credit reporting agencies on XX/XX/2021 & today filed police report with XXXX XXXX Police Dept.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XX/XX/year> Please block this information from my credit report withi

n four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 1 of 2 Please send me notification of the actions
taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbal, and nonverbal, per 15 USC 1602 effective immediately. The privacy act of 1974 explains that it is illegal to report private information. Also I have sent motionable instruments XXXX XXXX, previous to this complaint, not only did they keep the instruments but they did not reflect the payments to my account. 

This company has also been contacting me regarding a debt. I have received letter in the mail to include the one attached explaining they were going to reposes the vehicle. 

This has been really trying for my mental health as well.
Product: Credit reporting

I have sent Transunion XXXX notarized disputes regarding a bankruptcy that they claim to be mine, ( please note that I have been sending them disputes over the years but I am only submitting these XXXX letter submissions as they are the most genuine in legalese and required law ) They have been avoiding the legal content in these last submissions. I have also attached a letter from the UNITED STATES BANKRUPTCY COURT IN WASHINGTON DC that clearly states " that the court does not provide any personal information to the credit bureau and that the credit bureaus routinely check public dockets. These public dockets do not associate a social security number to the cases if any does exist. Yet the credit bureau will not remove this information that does not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing this letter to formally dispute the accuracy and completeness of credit information being reported by your agency. Under the provisions of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Reporting Guidelines, I request that you conduct a thorough investigation and verification of the account details in question. 

The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), mandates that credit reporting agencies must physically verify the original signed consumer contract for every account they include in a credit report. This verification process is crucial to ensure the authenticity and legitimacy of the information you disclose. By failing to adhere to this requirement, your reporting services could be susceptible to fraudulent accounts, negatively impacting consumers like myself. 

I hereby demand to receive verifiable proof, such as an original consumer contract bearing my signature, for the account listed below : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX As per the FCRA, unverifiable accounts must be promptly removed from my credit report. In the absence of providing documented proof within the stipulated timeframe, you are obligated to delete the aforementioned account from my credit file. 

Moreover, I also request the removal of all non-account holding inquiries that are older than 30 days. Additionally, please add a promotional suppression to my credit file, as per the relevant consumer laws. 

I am well aware that the FCRA mandates a thirty ( 30 ) day period for your re-investigation of this dispute. Within fifteen ( 15 ) days of the conclusion of your re-investigation, I expect a description of the process utilized to assess the accuracy and completeness of the material in question. 

I emphasize that my rights under the FCRA and other consumer protection laws must be upheld, and I trust that your agency will act in compliance with these regulations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I want to report that PayPal is withholding 1099 forms and requiring debts to be paid off before releasing. I contacted them on the phone and was refused to be provided this form and was transferred to the collections department. I was forced to pay the debt and I still don't have the form.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam Recent indicate that the individuals associated with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) have been granted unauthorized access to the XXXXXXXX Department of Education 's federal student aid systems. This access includes sensitive personal and financial information of millions of borrowers, included myself. 
Specifically, it has been reported the XXXX representatives have been feeding data from the Education Department into artificial intelligence systems maintained by third parties, subjecting the data to significant security risks. 
As a borrower, i am deeply concerned that my personal information, including my Social Security number, tax identification number and financial records, has been accessed and potentially misused without my consent. This unauthorized access constitutes a gross violation of federal privacy rights and nullifies my enforceable loan agreement under federal law Legal Grounds for Discharge : 1.FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information.

2. Violation of Privacy Act of XXXX  : The mishandling and authorized disclosure of my personal information contravenes federal requirement that safeguard the privacy of individual 's data managed by federal agencies and contractors.

3. Breach of the Higher Education Act : compliance in loans transfers.

The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loans transfers. The transfer of loans to XXXXXXXX XXXX XXXX XXXX  subsequent data breaches demonstrates clear negligence.

4. Breach of contract and Data Security obligations : By failing to protect my sensitive information, Nelnet have breached contractual terms and obligations, rending these debts unenforceable.

Demand of Resolution : Given the severity of the breach and the resulting compromise of personal and financial information, I requested that you immediately cancel and discharge my student loan debt in full. Immediate and unconditional cancellation of all financial obligation associated with my student loans. 
Complete removal of all Nelnet related entries from my credit report. 
Written confirmation of this cancellation and credit correction within 30 days If my demands are not met, I reserve the right to pursue all available legal remedies from these privacy breaches and Violations of federal law. 
Your prompt attention in this matter would be greatly appreciate Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello I have been contacting Coinbase day after day week after week and month after month trying to get my money that they froze for no reason and didnt give me a reason, my money has been in a XXXX and I have literally lost thousands upon thousands of dollars these last 2 months because of this company and they dont reply to my emails anymore, they dont help me and this has caused emotional distress and I cant handle this anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting At XXXX Account # XXXX as 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 or other personal consumer reports

I hereby certify that the preceding statement is truthful and accurate to the best of my knowledge, under penalty of perjury ( as defined by US law, if executed outside of the US ). Furthermore, I certify that I am permitted to submit this disagreement under both federal and state law. I understand that intentional deception or omission of material information is punished as a federal crime under 18 U.S.C. 1001 and as a XXXX  under 18 U.S.C. 1621 for perjury. My credit report contains collection entries that have nothing to do with transactions I started. Financial institutions are prohibited from disclosing information to third parties under 15 USC 6802 ( 1 ) ( a ) ( b ) ( c ) unless I get written approval. There is a violation here! Private information was disclosed by the original creditor, which led to the opening of illegitimate accounts. The Federal Trade Commission is currently looking into these issues. In the event that this account is not promptly removed from all three of my credit reports, I will take legal action against your organization for allegedly providing incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened by SYNCB/XXXX  in XX/XX/2017. I did not open this account, but it is reporting on my credit report. This account is charged off and reports a balance of {$6000.00}. Although, it is not my account I believe my wife opened this account. 

I have contacted SYNCB/XXXX  as well as XXXX, XXXX  and XXXX   explaining this. None of them have resolved this issue or provided any info that ties myself to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to perform a proper investigation. I provided factual info directly from the credit report. How can they a " verify '' inaccurate info as accurate? How can 3 bureau 's report 3 different pieces of info and yet state that its correct?
Product: Credit reporting or other personal consumer reports

Formal Dispute of Inaccurate Information on Credit Report. XXXX account XXXX This inaccuracy across Transunion, XXXX and XXXX falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. They have failed to investigate this account properly after I repeatedly asked to have the account re-investigated, your neglect has once again violated my consumer rights. Accordingly to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure. Attached is proof of Inaccuracies. All the bureaus get information from same Data Furnisher, yet XXXX and XXXX show as charged off, Transunion has 60 days late.Date last active has Transunion XX/XX/year>, XXXX XX/XX/year> and XXXX XX/XX/year>. Attached is proof of all inaccurate information of this account
Product: Checking or savings account

I had all my funds stolen from my American Express Serve account while I was incarcerated..I updated my address to the jail I asked for my account to be restricted so no funds could be stolen and they did not secure my account..I faxed and mailed police report proof of incarceration and that it was noway I made or authorized these transactions and they still denied my claim..my funds were supposed to be insured and I was lied to and left to deal with this on my own ..I am on a XXXX XXXX  payment plan with social security office to pay back these funds so on top of the XXXX that was stolen I also am paying it back a second time to my social security office..I want my old dispute approved and my stolen funds compensated for Account