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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SS # ENDING IN XXXX
Product: Credit card or prepaid card

Example, I received a statement, dated XX/XX/XXXX balance {$460000.00} minimum due payment of {$120.00}. Next statement, dated XX/XX/XXXX balance {$4400.00} with minimum due payment {$120.00} For the past several months I have received statements with minimum payment due of {$130.00}. Statement for XX/XX/XXXX is {$130.00} with a balance due of XXXX I have contacted XXXX where I make my payment for AAFES by phone in the past few months regarding my concerns about my pay statements. However, when I get in touch with there customer service staff member. I am told my minim due payments are set by AAFES. Later I call again getting difference customer service agent with in days a part getting a difference answer. Example, I am told I have to make a purchase on my AAFES card, then my minimum due payment will decrease. I contact them again, I am told that I need to pay a higher minimum due payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 1 unauthorized account on my credit report that I did not authorize to be open, and did not apply for ( Barclays Bank US ). I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request Barclays US to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided documentation and a request to the credit bureaus via XXXX Certified Letters with tracking numbers XXXX, XXXX, XXXX on XX/XX/2022, To remove personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802, no financial institution is permitted to share my information to any third parties. This is a violation of my federally protected consumer rights. 

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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Subject : Notice of Dispute Charge-Off Account with XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the reporting of a charge-off account from XXXX  XXXXXXXX XXXX  on my Equifax credit report. This account has been deleted from my XXXX credit file, and as required under the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax ensure compliance with 15 U.S. Code 1681n by investigating and correcting this inconsistency immediately. 
Specifically, I believe this account is being reported inaccurately or in violation of the law. I have attached a copy of my XXXX credit report showing the deletion of the account for your reference. 


I expect confirmation of receipt of this dispute and a resolution in writing within the legally required timeframe.
Product: Credit card or prepaid card

CitiBank sent a 1099 to the IRS for an alleged credit card from over 10 years ago that I never had. I requested via Certified Mail a copy of the backup, charges, i.e., all information regarding this account while I also notifying CITIBANK and the IRS that all charges or claims that I had this card are disputed and to send verification of the debt. CITIBANK refuses to send this information and the IRS says that if they don't I will have to pay the IRS over {$2000.00} for a card that I never had. 

The first notification I received about this alleged credit card was from the IRS, not CITIBANK. At no time within the last 10 years have I received information or notification of such debt from CITIBANK. They refuse to discuss over the phone and will not honor my requests for information via USPS Certified Mail.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against Cash App, Block , INC . The Consumer Financial Protection Act was violated because of poor customer services and unfair practices. Cash App failed to initiate any timely manners and effectiveness from address fraud on their platform. My account was exposed. It was not fair. And very much so deceptive. Neither were they in compliance with the Electronic Fund Transfer ACT. Ive suffered a financial loss, and Im seeking compensation for my losses.
Product: Credit reporting or other personal consumer reports

Approximately XXXX or XXXX years ago, in XXXX I purchased a XX/XX/XXXX from XXXX XXXX of XXXX XXXX. This was after much hassle, as there was an issue pulling my credit up. There is ( and still is ) a freeze on my Equifax report that I never once in my life have issued. I have never had an account with Equifax, and I can't even make an account with them, as I get an error message upon trying. My mother was with me at the dealership, and we spoke to many of the call center agents who kept looping us back in circles. I recall them saying my account doesn't exist, okay but so why can't I make an account then? If my account does not exist, why is it frozen? Many hours spent, eventually the dealership found a lender who didn't pull from Equifax and that worked. Long story short, man on opioids crashed into it and did a hit and run. Fast forward to today, I'm ready to purchase another vehicle. I applied for a XX/XX/XXXXXX/XX/XXXX, and it got instantly denied which is a result ( I called XX/XX/XXXX and spoke with a rep who told me it's this freeze ) of Equifax chicanery. 

I still can not make an Equifax account. I still do not have an Equifax account. My number by them is in limbo, because of this and it is infuriating. I'm calling them again as I type this and I will have a VERY descriptive explanation from them, right from the horses mouth. Okay so the automated system CAN NOT verify my information, but I have no identity theft issues, my credit is really good and no suspicious activity. I monitor my credit like a hawk. Got on the phone with an agent ( outsourced to third world country of course ), we are looking for my file via SSN right now. Provided my address, dob, and name. The agent has asked if I have had lines of credit in the past, and I confirm yes. For the record I currently have several credit cards, I think four or so. I don't think they pulled from Equifax, so issue circumvented in a round about way. 

Agent found a file, but they are unable to access it, because some information needs to be fixed. Requiring photocopy of SSN, Drivers Liscence, Cover Letter... I'm just remembering I did this crap in the past. This is done via mail, not Fax in the 21st century. I'm still submitting this, because this is absurd. There should be an online form to do this, not sending via snail mail.

Just like last time when this issue happened, I had no way of knowing until I went to do something that there's a freeze on the account, but like I said, I never attempted to make my account until that first day two years ago or so. Zero communication from that company. Also, I could totally still reach out to the guy who sold me the car at the dealership as a third witness to this XXXX I went through two years ago.
Product: Mortgage

Complaint against- Union Home Mortgage Year to date they have collected more real estate tax than the bills I have received from City treasures bill. 

In XXXX they sent a notice stating my escrow account was short. I paid over the amount stated {$900.00}. 
Then I received a notification that my monthly payment had increased because of my escrow account. My payment was automated. So the next payment was not changed. 

They held that payment as a partial payment. I tried to go online to pay but they terminated my sign on. I called and was told I could pay by phone. The person said the payment and late fee had gone through. Later I received a letter saying it didnt go through send a check. 

The XXXX payment was on time and corrected but they took the whole payment stating my escrow account. 

They then sent me a letter saying I was in default because I had made no payment for that month. 

I contacted the treasurers office for my city. They sent me a statement laying out what my tax payments are. 

My original payment with Union Home Mortgage would have paid the whole years taxes. 

To settle up they said I owed over XXXX. I paid {$7200.00}. I still receive delinquent notices. 

I was told on one call that they had to recalculate my escrow every few months. 

As an example : my XX/XX/20 statement is after the 3rd quarter tax payment of {$1200.00} My stated escrow balance is {$2200.00} XXXX XX/XX/20 ). 

Even at the new rate I received from the treasurers office my taxes will be {$5400.00} for the year. On my latest statement from Union Home Mortgage I have paid {$11000.00}. 

I have homeowners insurance with XXXX XXXX that I pay monthly. I have a yearly flood insurance that is paid upfront yearly. It is paid. 

My complaint- they have overcharged me. If there are fees they dont state them. 

They caused my credit to drop. I have over paid them and I would like a check sent to me. Not applied to principal of the loan.
Product: Money transfer, virtual currency, or money service

Paypal locked my account and is holding my money refusing me access to it. You don't have the authority to just play middle man and hold my money. You are supposed to do a 100 percent reversal. Paypal is basically XXXX me, refusing me access to my money.
Product: Credit reporting or other personal consumer reports

Attention : Credit reporting agency, EquifaxDate : XXXX To Whom It May Concern, This item was purchased by a Third Party Debt Collector ( Collection Company NameXXXX XXXX XXXX ). This account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the Third Party Debt Collector. As you can see by my attached credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. Here is the account nameXXXX XXXX XXXX, Account number : XXXX, incorrect amount also. How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! Thanks, My full Name is : XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX CA XXXX Last XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

remove fraud accounts! I have no idea where these came from.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), codified at 20 U.S.C. 1232g, due to the unauthorized exposure of my personal information by the U.S. Department of Education and its loan servicer, XXXX. This breach has resulted in a significant violation of my privacy, and I am seeking your assistance in addressing this matter. 

I have been made aware that my personal and financial information has been improperly handled and exposed, as evidenced by recent legal actions : XXXXt Data Breach Litigation : In 2022, multiple lawsuits were filed against XXXX following a data breach that exposed the personal information of over XXXX XXXX borrowers, including names, phone numbers, email addresses, and Social Security numbers. Allegations include negligence and invasion of privacy. 
XXXX Unauthorized Data Sharing with DOGE : The Department of Education has been implicated in lawsuits alleging the unauthorized sharing of sensitive borrower information with the Department of Government Efficiency ( DOGE ), led by XXXX XXXX. This data includes Social Security numbers and bank account details, raising significant privacy concerns. 
XXXX Under FERPA, I have the right to the protection of my educational records, including personal information shared with loan servicers. The mishandling of this data demonstrates a clear violation of federal regulations and my fundamental rights as a borrower. I am deeply concerned about the potential misuse of my information and the lack of transparency regarding how this breach occurred and what steps are being taken to remedy the situation. 

I am requesting an immediate investigation into this matter and the enforcement of necessary corrective actions to hold the responsible parties accountable. Additionally, I seek clear communication regarding the extent of the breach, measures taken to mitigate risks, and assurances that my personal data will be protected moving forward. Furthermore, due to the severe mishandling of my personal and financial information, I am seeking the immediate removal of all XXXX XXXX associated with my records and the deletion of any negative remarks on my credit report that have resulted from this violation. 

I appreciate your time and prompt attention to this serious issue. Please provide any updates regarding the status of my complaint and the actions the CFPB intends to take. I look forward to your response and a resolution that upholds my rights under FERPA. 

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

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX   XXXX {$930.00} DPT EDXXXX XXXX {$5400.00} DPT EDXXXX XXXX {$3600.00} DPT EDXXXX XXXX {$5600.00} DPT EDXXXX XXXX {$4500.00} XXXX XXXX {$3700.00} DPT EDXXXX XXXX {$4800.00} XXXX  XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX {$8700.00} XXXX XXXX {$15000.00} XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX   XXXX {$2100.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX {$12000.00} DPT EDXXXX XXXX {$3400.00} DPT EDXXXX XXXX {$3700.00} DPT EDXXXX XXXX {$2400.00} DPT EDXXXX XXXX {$7100.00} XXXX  XXXX {$1400.00}
Product: Debt collection

Good Day, Thank you very much for allowing me to register this complaint with the CFPB on my behalf regarding the debt collection company Ability Recovery Services , LLC. This company has repeatedly sent me a copy of a contract agreement that does not contain any agreement to pay XXXX, XXXX for an alleged debt. 

I have requested that they forward me a signed contract, by me, to pay XXXX, XXXX and they have refused to do so. Additionally, I have asked for proof that this company is authorized and licensed to operate in my state to attempt to collect this alleged debt. 

I have requested to receive information regarding how they obtained my personal information without my signature to provide permission to obtain my personal data, which they have ignored as well. 

I have informed XXXX, XXXX that without proper VALIDATION, which has not been provided regarding this matter, they must stop all of their illegal attempts to contact me via email, mail, or phone and discontinue reporting this alleged debt to the credit bureaus immediately because they are committing a violation of my privacy rights and they are engaging in character XXXX. 

Thank you for your assistance in this matter.
Product: Checking or savings account

XXXX my bank acct was taken over by fraudsters - they had access to my account and they XXXX  me ( I didnt get funds ) {$3500.00} but immediately changed it to {$3400.00}. They changed the card, phone # and email I already had on file. I did not do this transaction! There is NO WAY or reason why I would XXXX myself and change all my account info! I dont understand how BOA ruled this as an authorized transaction on XX/XX/22 They are also showing that this fraud wasnt reported until XX/XX/22. NOT TRUE. It was reported within XXXX mins at the local branch who put me on XXXX  phone with fraud division. I was beyond hysterical that day & honestly could tell no one what had happened so I expected a follow up phone call from BOA. Didnt happen & they called it authorized approx 45 days later. How can they make such a determination without further questioning me about the circumstances???? 
I reported my phone to XXXX care as acting suspicious on XXXX and XXXX. My phone was infected giving these fraudsters access to all of my sensitive information..Due to my mental states, I did not have the opportunity to explain this to BOA branch on XX/XX/22
Product: Debt collection

I am reaching out to request your understanding and goodwill in reconsidering the reporting of these late payments to the credit bureaus. I have taken steps to improve my financial situation and ensure that such delays do not occur in the future. I value my relationship with the Creditors, and I am committed to making timely payments moving forward. 

I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

XXXX XXXX XXXX XXXX XXXXXXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXXXXXX customer service XXXX XXXX XXXX XXXX XXXX - This account was NEVER late. 
The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXXXXXX customer service XXXX XXXX - I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX XXXXXXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX - The late payments on XX/XX/XXXX  and XX/XX/ are inaccurate! The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service I appreciate your time and consideration in this matter. I understand the importance of maintaining a positive credit history, and I am committed to working collaboratively with the Creditors to rectify this situation.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for failing to conduct a proper investigation of a dispute I submitted regarding inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) guidelines. Under the FCRA, specifically 15 U.S.C. 1681i, Experian is required to conduct a reasonable investigation of disputes and ensure the accuracy of reported information. Despite providing supporting documentation, Experian did not properly investigate the dispute, nor did they notify me of the results within the required 30-day period as mandated by 15 U.S.C. 1681i ( a ) ( 6 ). Additionally, the FTC requires credit reporting agencies to maintain accurate information, which Experian has failed to do in this case. As a result, I demand that the inaccurate information be deleted from my credit report immediately, in accordance with 15 U.S.C. 1681i ( a ) ( 5 ), which mandates the removal of unverifiable information. I request that the CFPB investigate Experians failure to comply with the FCRA and FTC guidelines, and that they take corrective action, including the deletion of the disputed items from my report. 
Account # ..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

This afternoon, I discovered unauthorized inquiries on my credit report, which is deeply concerning. I checked my report as I regularly do, but this time there were unexpected discrepancies. I even refreshed the browser, hoping it was a glitch, but the issue remained. I am urgently requesting a thorough review of the documents Ive provided so I can stop worrying about this matter.