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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a matter of great concern related to my Department of EducationXXXX XXXX account. It has come to my attention that there are potential violations of the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974.

I believe that the Department of Education and XXXX, the loan servicer, may have violated my rights under these federal statutes. FERPA applies to any public or private elementary, secondary, or post-secondary school, as outlined in 20 U.S.C. 1232g ( b ). The FCRA, found in 15 U.S.C. 1681, regulates the collection, dissemination, and use of consumer credit information. Additionally, the Privacy Act of 1974, codified in 5 U.S.C. 552a, safeguards the privacy of individuals ' personal information held by federal agencies.

I am particularly concerned about the recent practice of XXXX reposting transaction history to my credit report. This unauthorized reposting of transaction history has had a significant impact on my credit standing, and I believe it constitutes a violation of the FCRA and FERPA.

Despite my efforts to address these concerns directly with the Department of EducationXXXX XXXX XXXX have encountered significant challenges in obtaining a satisfactory resolution. 

I am seeking the Consumer Financial Protection Bureau 's intervention to investigate these alleged violations thoroughly and ensure that my rights are protected and upheld under FERPA, FCRA, and the Privacy Act. I believe that a comprehensive review of the matter will shed light on the potential breaches and facilitate a resolution.

Enclosed with this letter, you will find copies of relevant documents of my credit score.

I kindly request that you conduct a thorough investigation into this matter and take appropriate action to address any identified violations under FERPA, FCRA, and the Privacy Act.

Thank you for your prompt attention to this issue. I look forward to a resolution that ensures the protection of my rights under these important federal statutes.
Product: Credit reporting or other personal consumer reports

I checked my credit report XX/XX/year> and noticed unauthorized accounts on my report. I did not apply for this account. I have filed an identity theft report. I also have reached out to the credit bureaus but the account has not been removed from my credit report. It is fraudulent.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Inaccurate Information on Credit Report - Request for Removal of Charge-Offs under 15 USC 1681e ( b ) Dear Sir/Madam, I am writing to formally lodge a complaint regarding the presence of inaccurate charge-off entries on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in a consumers credit report. Unfortunately, this has not been adhered to in my case. Upon reviewing my credit report from XXXXXXXX XXXX XXXX, I have identified the following erroneous late payments : 1. Creditor : XXXX XXXX Account Number:XXXX and Account Number : XXXX XXXX. Creditor : XXXX XXXX  Account Number : XXXX. XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX These entries are incorrect and have negatively impacted my credit score and overall financial health. I have previously contacted the credit reporting agency to dispute these inaccuracies, but the issue remains unresolved. According to 15 USC 1681e ( b ), consumer reporting agencies must ensure that they follow reasonable procedures to guarantee that the information they provide is accurate. The continued presence of these inaccurate charge-off entries suggests that the credit reporting agency has failed in its duty to uphold this standard. Furthermore, it is essential to highlight what the IRS classifies as a charge-off. According to the IRS, a charge-off occurs when a creditor writes off a debt as a loss for tax purposes, indicating that the creditor does not expect to collect the outstanding amount. However, this accounting action does not relieve the debtor of the obligation to repay the debt. The IRS 's classification underscores that a charge-off is more about a creditors accounting practices rather than a definitive statement on the status of the debt itself. Therefore, the continued reporting of these charge-offs as unresolved debts on my credit report is misleading and detrimental. I am requesting that the Consumer Financial Protection Bureau intervene in this matter to ensure that the credit reporting agency in question complies with its legal obligations under the FCRA. Specifically, I request the following actions : 1. A thorough investigation into the procedures used by the credit reporting agency to verify the accuracy of the reported charge-offs. 2. The immediate removal of the erroneous charge-off entries from my credit report. 3. Confirmation in writing that these charge-offs have been removed and will not reappear on my credit report in the future. I appreciate your attention to this urgent matter and look forward to your prompt resolution. Should you require any further information, please do not hesitate to contact me. Thank you for your assistance. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Trans Union Credit report and found an account, XXXX that was opened in my name that I did not authorize. I contacted Transunion and disputed the account as fraudulent and also submitted a FTC complaint report. I requested to have this fraudulent account removed from my account, but they reported it back as accurate, when I reported that I did not authorize opening this account.
Product: Debt collection

I have tried to contact TD bank many times including walking into their branches to explain to verify the debt they report owed to them with no response after hours of circling me around different department over the phone they end up hanging up the phone. not able to see the debt on their end let alone verify it, or agreeing to delete the trade line from my credit report. as you can see in the attachment I finally contacted them by certified mail to verify the debt with no response.
Product: Debt collection

XXXX XXXX XXXX owes money and her debt collectors Navient keeps calling and sent a letter looking for XXXX. I have contacted lawyers and can not contact the company directly however have told them several times not to call me I do not owe a XXXX. They call my cell number and my mothers landline. I never ever gave any info for the job reference for XXXX just my name and number. I never consigned anything. My mothers number is on the do not call list. Her number is XXXX and my cell is XXXX Numbers that Navient uses are XXXX. XXXX. XXXX. XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i recently sent in a ftc report regarding fraudulent accounts and inquires and they have been deleted from XXXX and Equifax but XXXX hasnt done so yet just placed extended fraud alert with closed account ( XXXX XXXX ). also one of the fraud account ( XXXX XXXX ) had late payments report after the fact of me sending the ftc report in and the account being closed and removed. I have called and faxed over my ftc report XXXX XXXX was removed then put back on with late payments and XXXX XXXX was removed from XXXX and Equifax but just says closed on XXXX they still haven't updated it. please remove the late payment from XXXX XXXX account and remove account closed accounts
Product: Mortgage

I bought my house in XX/XX/XXXX for XXXX, put XXXX down and pd XXXX for 15 years totaling XXXX. My mortgage went from XXXX to XXXX to XXXX to Chase and just got sold to XXXX XXXX XX/XX/XXXX Chase raised my mortgage from XXXX to XXXX. I called and faxed Chase w no response. In trying to resolve this w Chase they consistently put my house in the paper to auction but never auctioned it, only humiliated and embarrassed me. I enlisted XXXX and XXXX XXXX to help me resolve this. XXXX took thousands and XXXX tool there share and than disappeared. I did a declaration for XXXX XXXX from the Federal Trade Commission. Chase put insurance on my house from XXXX to present charging me thousands. I have so many fees on my loan and have paid almost XXXX dollars for and they now say I owe XXXX. I have a XXXX page letter and XXXX attachments. I need someone to help me pls as Chase just sold me to XXXX XXXX who is threatening to take my house.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX  XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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. 


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

I am submitting this complaint for you to inform that I was a victim of identity theft. I am not responsible for this account. Please provide all verifiable documents only from the original creditor, if not please remove them. I was a casualty of savage wrongdoing. I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap. Per Fair Credit Reporting Act Section 605B you are required to remove undistinguished items on my credit report. These items seems inaccurate so remove these all from my credit file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

About 3 times a week for the past several weeks I have been receiving calls from different numbers that all claim to be Premier Portfolio Group. I never answer the call and the voice message is always the same pre-recorded message saying that I need to call them back regarding a bad check that was cashed in my name. It is an obvious scam as none of my financial records indicate any such transaction. I called XXXX the numbers and spoke to a female. I demanded that they remove from phone number from their list and not to call me ever again. Not 30 minutes later I received a call ( always from a different number with a different area code ) and the message left was the exact same one I 've been receiving this entire time from " Premier Portfolio Group. ''
Product: Debt collection

I had a credit card which I fell behind on around XX/XX/2019 due to a financial hardship. The credit card ended up being closed and sent to collections. I have since paid the credit card off and have attempted to have removed because I was under an impression it was a pay to delete. The account has been paid but it was never removed.
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 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  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: Debt collection

The company called Central Portfolio Control has repeatedly contacted me by phone and will not give me any information as to a supposed debt they say I owe, until I release personal information to them in order to confirm my identity. I have not received any correspondence from them or any other company as to a debt owed and have also checked with the credit bureaus and I have no outstanding debts. I have requested them to stop communication with me by text and phone and as of yet they continue to call and text me almost daily at all times of the day and night. I have blocked their numbers but they continually robo call me with new numbers.
Product: Credit card or prepaid card

A company known as WhyNot Leasing also known as Tempoe LLC has made attempts to collect money not owed and processed transactions for items I did not receive. The company attempted and completed charges to my credit card for items not owed nor did I receive or have possession of. 
WhyNot Leasing also charged my card for amounts not even initially agreed upon in the amounts of {$140.00} and {$20.00} because the agreed to amount was {$280.00}. I initiated a contract in XXXX of XXXX for furniture for my father who has become ill. The first amount was processed that month in the amount of {$280.00} and would be {$280.00} thereafter according to the agreement. 
My credit card was charged for random amounts such as {$20.00} and {$140.00} which was never agreed to. The furniture order was in XX/XX/XXXX and I was told it would arrive in a few weeks. I was concerned with my father 's health and what would happen if I wanted to cancel the items and was told not to worry because I would be able to cancel the items at anytime and any amounts paid would be refunded in the event he had to have assisted living. My father became gravely ill in XXXX of XXXX and I called the XXXX location to cancel the items which is where I initiated the agreement with WhyNot Leasing and they said it would all be taken care of. I brought my father to the XXXX XXXX Hospital Emergency Room in XX/XX/XXXX and he ultimately passed away in XX/XX/XXXX. However, I was still being charged for the furniture I did not pick up and WhyNot Leasing stated that no one cancelled the order as discussed, but knew that the items were still at the XXXX location. I emailed WhyNot Leasing in XX/XX/XXXX basically reiterating the same conversations I had with the XXXX location and with WhyNot Leasing explaining that these items were cancelled and are still at the XXXX location. Everyone acknowledges that the items are at the XXXX location but still will not process a refund. I had these charges put on my XXXX card thinking that I would have some protection in the event of problems because I was paying for items in advance of receiving them. I contacted XXXX to have these charges reversed because no one is doing anything at WhyNot Leasing or at XXXX about these charges to my credit card. XXXX informed me today that their options are limited and said that the charges will remain on the card. 
Its like a nightmare because I have to relive the time my father passed away by having to re-explain why I cancelled items for purchases for a loved one that passed away. I am simply requesting a refund for items which is only fair because I never had possession of those items nor did I receive those items. I will attach a copy of the follow up email I sent to WhyNot Leasing back from XX/XX/XXXX which they never responded nor returned any of my calls and an audio recording of them acknowledging that the lease was cancelled but no refund was ever issued.
Product: Credit card or prepaid card

On XXXX XXXX XXXX I requested a balance transfer, via phone, from my Wells Fargo XXXX XXXX card. I gave the XXXX digit number of the credit card I wished to pay off. I gave the last XXXX digits of the Wells Fargo XXXX, the last XXXX digits of my SS, my full name, and my full mailing address. I was told at that time the transfer was on it 's way. I monitored both cards and a week later I noticed the card I was trying to pay off had not been paid off. I checked my Wells Fargo account and noticed XXXX transactions. XXXX taking money out of the account ( to pay off other CC ) and XXXX returning that same amount back to my WF CC. I called WF and they said XXXX XXXX refused the electronic transfer. I told them the CC I was paying off has never been associated with any XXXX XXXX  Then WF sent me a cashier 's check payable to myself and XXXX XXXX I have never had an account with any XXXX XXXX. WF would not tell me where XXXX XXXX is located. I had WF stop payment on that check. And asked them to send the balance transfer to my XXXX XXXX, the holder of my XXXX XXXX. They told me that I was all set. A week later, on XXXX XXXX I asked again where my balance transfer had gone. XXXX XXXX. Again, I told WF that the card is NOT associated with any XXXX XXXX. WF escalated my case to the XXXX branch. Today, XXXX XXXX, I have repeatedly call to get a check sent solely to me to pay off this balance. They now want the XXXX digit security code on the back of my Wells Fargo Visa. I will not give it to them. XXXX times they have tried to pay this card without that XXXX digit security code, therefore they do not need that number. Can you help me resolve this. Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$900.00} XXXX  XXXX  XXXX {$500.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$1300.00} XXXX  XXXX  XXXX {$890.00} XXXX XXXX XXXX XXXX {$250.00} XXXX  XXXX  XXXX {$1700.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$62000.00} XXXX/XXXX   XXXX {$400.00} XXXX/XXXX  XXXX {$490.00} XXXX XXXX {$340.00} XXXX  XXXX {$410.00} XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX  XXXX  XXXX XXXX {$23000.00} XXXX  XXXX {$500.00} XXXX XXXX {$900.00} XXXX/XXXX XXXX {$3900.00} XXXX/XXXX   XXXX {$500.00} XXXX-XXXX XXXX XXXX {$360.00} XXXX/XXXX  XXXX {$1700.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Credit Reporting agencies, especially TransUnion, are not properly investigating and removing disputed items from consumer 's credit reports. 

Consumer 's feel that the entire Credit Reporting industry is one big scam and it exists to serve Banks, Lenders and the 1 % only. There are so many corrupt practices in this industry to skew things in the Lender 's favor. There is no other system which the Consumer has less rights - where is the CFPB?

We would like the CFPB to start investigating and holding accountable the entire Credit Reporting system - we'd like the CFPB to start shutting down this system in favor of one that serves the consumers, not solely the Banks/Lenders/1 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting income on my consumer report as charge-off. 
The account information below is wrongfully categorized by both XXXXXXXX XXXXXXXX XXXX  and Transunion. 
XXXX XXXX # XXXX According to the IRS and FRCA XXXX This item on my credit report is violating the following US code Transunion and XXXX XXXX XXXX are in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) Transunion and XXXX XXXX XXXX  are in clear violation of the law. Pursuant 15 US code 1666b ( a ) Transunion and XXXX XXXX XXXXE are is in clear violation of the law by wrongly characterizing an income as a collection account. 


XXXX XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) -- Exclusions - Except as provided in paragraph ( 3 ), the consumer report does not include - ( A ) subject to section 1681s-3 of the title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law clearly states : Transaction or Experiences between the consumer ( XXXX ) and the person ( You ) XXXX XXXX XXXX making the report is NOT INCLUDED on the Consumer report! 

Utilization and late payment are experiences with the line of credit that was extended between the consumer ( ME ) and the person ( You ) XXXXXXXX XXXX XXXX that is making the report. Congress clearly states that the reporting of transactions or experiences between consumer and the person making the report is not included on the consumer report. 

You are violating the FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( utilization ) on my consumer reports which congress clearly states that is not included on my consumer reports. 


XXXXXXXX XXXX XXXX is in clear violation of the law. Pursuant 15 US code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXXXXXX XXXX XXXX is in clear violation of the law by wrongly characterizing an income as a collection account. 
Once 1099a or 1099c is filled as a result of charge-off the account becomes a taxable income. This makes the characterization of the account wrong. XXXXXXXX XXXX XXXX is reporting an income. See attached Instructions for Forms 1099-A and 1099-C ( Rev. XX/XX/2022 ).