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

I am filing this complaint to demand accountability for the blatant disregard of my rights by the credit bureaus, who have willfully ignored their obligations under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. 
XXXX, Section XXXX. As a documented victim of a data breach, with proof of compromised personal information, I provided the required evidence and formal identity theft report to have fraudulent entries removed from my credit file. 
Despite my compliance, the bureaus have refused to block the inaccurate information, resulting in severe damage to my financial standing and personal reputation. This is a clear and unlawful violation of consumer protections, and I demand immediate corrective action by the Consumer Financial Protection Bureau ( CFPB ). If these egregious violations are not addressed promptly, I am fully prepared to initiate litigation to hold the bureaus accountable and recover full damages for the harm inflicted upon me.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I have been a victim of a data breach and identity theft. As a result, several unauthorized accounts and inquiries appear on my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file : Unauthorized Accounts 1. XXXX XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$0.00} 2. XXXX  XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$2500.00} 3. XXXX XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$11000.00} 4. XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$3000.00} 5. XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$3000.00} 6. XXXX  Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$2300.00} Unauthorized Inquiries 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the inquiries are unauthorized and that I want them removed from my credit report.I contacted XXXX by phone several times and they didn't attempt or try to remove but told me to dispute them and that the results came back accurate And I Kno that wasn't true because I never authorized any of them.Experian put a Identity Thief on report due to the unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding fraudulent items that are currently being reported on my credit report. These inaccurate entries are severely impacting my XXXX XXXX and financial standing. Despite my repeated efforts to address this issue, these fraudulent items remain unresolved, and the matter is now part of pending litigation. 
The presence of these false accounts is not only misleading to potential lenders but also a source of considerable XXXX and harm to my financial reputation.
Product: Credit reporting or other personal consumer reports

The credit bureau refuses to correct the balance of student loans. 
XXXX no longer services my student loans. They are serviced by XXXX.
Product: Credit reporting or other personal consumer reports

Complaint Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I formally request that XXXX block the accounts, collections, and hard inquiries identified below from my credit file within XXXX business days as required by law. Written confirmation of this request should be sent to me. 

Background : I am a victim of identity theft and the XXXX data breach. My credit report contains unauthorized accounts that negatively impact my ability to obtain credit. 
Violations : The accounts and inquiries violate the following : -15 U.S.C. 1692e : False/Misleading Representations -15 U.S.C. 1681e ( b ) : Failure to Ensure Accuracy -15 U.S.C. 1681i : Failure to Investigate Disputes -15 U.S.C. 1681c ( a ) : Reporting Obsolete Information Accounts for Removal : Experian, 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
Product: Credit card or prepaid card

On XXXX/XXXX/17 after receiving my recent statement, I realized that there were fraudulent charges on my card, after several calls to talk with the current person and have my card closed I was also notified that a " person '' not me had also tried to call them earlier that same day to get more access to my card. This was denied since they did not pass security checks but I was NOT notified of this and when I asked why was told that there was a " glitch '' in system. No other explanation or apology. After several painstaking hours just to get them to close my account ( It should NOT take that long ), I asked to have management call me to discuss the matter as I was not comfortable EVER using a citi card again. It is now 3 days later and NO call but of course they already sent me a new card since their priority is not customer safety but making more money. I want an explanation as to how easily this could happen and I also did not get assurance that these charges are not going to be taken off my account.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX is an account that is not only not mine but they are reporting information that is COMPLETE inaccurate. They are not reporting the same thing on each bureau. They continue to change the information and update on the credit reports and nothing is consistent. Beyond the fact that the account does not even belong to me, they continue to update with different information and backdate dates and change things. They are reporting the account as opened XX/XX/XXXX and the date of last payment as XX/XX/XXXX. This makes XXXX sense. How is the date of last payment prior to the account ever even being opened? They have failed to produce a copy of any contract. The are showing a charge off on one bureau and late on another. They originally changed the status to charge off on Transunion then backdated the reporting date from XX/XX/XXXX ( CHARGE OFF ) to XX/XX/XXXX ( XXXX days late ) They are showing inaccurate payment history and reflecting different information on each credit bureau. The credit bureaus are not holding them accountable for the fact that it is a fraudulent account to begin with and I've already submitted this information numerous times. Originally XXXX deleted the account then without notification suddenly reported the account again with a different status and the balance went from {$8000.00} to {$87000.00}. I have attached a complete summary with all details and all of the inaccurate information that has reported on a chart to prove this creditor has no idea what to report or what they are talking about.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ Midland Credit Management Subject : Request for Immediate Removal of Unauthorized Account Reporting under FCRA and New Jersey State Law Dear Midland credit management I am writing to dispute the reporting of an account on my credit file by Midland Credit Management on the grounds that there is no contract or consent authorizing such reporting. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and relevant New Jersey statutes ( XXXX XXXX XXXX XXXX ), a creditor is required to report only with a lawful basis and must ensure the accuracy and authorization of the information being reported. 

As I have had no contractual relationship with Midland credit management and have not provided consent for this account to be reported, I believe that this reporting constitutes an unauthorized furnishing of information under the FCRA. The FCRA restricts the reporting of accounts without valid consent or a contractual basis, and New Jersey state law underscores the importance of ensuring that only authorized, accurate information is reported to protect consumer rights. 

Additionally, the original delinquency on this alleged debt dates back to XXXX. The FCRA restricts the reporting of delinquent accounts after a maximum period of seven years from the date of first delinquency ( 15 U.S.C. 1681c ). Given that this delinquency occurred over seven years ago, this account should no longer be included in my credit report, regardless of any purported transfer or sale of the debt. 

In light of the above, I am requesting that Midland credit management promptly remove this unauthorized and outdated information from my credit report. Please confirm in writing within 30 days that the account has been removed. Failure to comply may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the New Jersey Division of Consumer Affairs, and any other relevant regulatory bodies. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation of removal. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

i had XXXX loan with XXXX, they had loan for XXXX & XX/XX/2023 ', my payments were [ interest only ] {$430.00} a month for first year i applied for auto w/d, have email from XXXX was XXXX, next i get letter saying they XXXX sold my loan to SPECIALIZED LOAN SERVICING on XX/XX/XXXX. i called SLS to set up auto w/d with them, told loan from XXXX not there yet but i was to get welcome package from SLS with new loan # etc, i then could set up auto w/d. nothing from either XXXX or SLS until XXXX XXXX from SLS saying got loan from XXXX & it's in DEFAULT!! augnor XXXX payments were made!! i called them to explain i had auto w/d with XXXX but deaf ears!! called XXXX to find out why payments were not made, NOTHING!! so in reality for sake of argument, XXXX & XXXX would be {$870.00} + what late fees would be but SLS charged me {$2700.00} + {$430.00} = {$3200.00}!! i asked WHY & FOR WHAT?!!??! nothing!!!!!!! XXXX sent copies of notices for payments in mail but AGAIN, NEVER GOT ANYTHING IN MAIL FROM EITHER XXXX OR SLS!!!!!!!!!!! so would like answer as to why & what the outrageous charges were for!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, 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
Product: Mortgage

I would like a file a formal complaint against our loan office XXXX XXXX from mutual of omaha Mortgage bank. The loan officer doesnt reply to our texts/emails on time and we had to delay our closing already by a week. We might loose our house if we dont close in next coming week. We have been very patient with him. But he is not supportive in any way. We will be loosing {$5000.00} deposit money+ XXXX $ delay fee and our truck rental for 15 days is extra too. He is probably the worst officers we or our friends have worked in the past. 

NMLS # XXXX
Product: Money transfer, virtual currency, or money service

I have made repeated efforts to speak to coinbase about the fact that they wo n't let me withdraw funds. I have been waiting nearly 3 months for a solution for this and they wo n't return any of my messages or emails. I have done everything that all their forums suggest, yet I still ca n't access my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX, 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
Product: Money transfer, virtual currency, or money service

I am filing this complaint against BOSS Revolution for their failure to provide adequate assistance and resolution regarding a {$2000.00} transfer I initiated on XX/XX/year>, intended for a recipient in XXXX with XXXX. Despite multiple attempts to resolve this matter directly with XXXX XXXX, they have not effectively intervened with XXXX, raising concerns about potential mismanagement or misappropriation of funds. 

On XX/XX/year>, I used XXXX XXXX to transfer {$2000.00} to a recipient with a XXXX account in XXXX. XXXX XXXX initially indicated a delay due to XXXX software upgrade, but later claimed the funds had been successfully deposited to XXXX on XX/XX/year>. However, as of today, the recipient has yet to receive these funds, and XXXX maintains that they have not received the funds from XXXX XXXX. 

Since XX/XX/year>, I have contacted XXXX XXXX approximately XXXX or XXXX times, urging them to assist in retrieving or confirming the deposit with XXXX. Each time, XXXX XXXX responded by requesting a bank statement from XXXX to prove non-receipt of funds. I explained that obtaining a bank statement from XXXX requires an in-person visit, which is challenging and time-consuming. 

My recipient ultimately spent an entire day at a XXXX branch to secure the necessary bank statement showing that no funds were received. Despite providing this document to XXXX XXXX, they have yet to take any corrective action, nor have they responded to my subsequent follow-ups. 

XXXX XXXX  repeated requests for documentation and their lack of direct intervention with XXXX, even after all requested evidence was provided, suggest that they may not have actually ensured that the funds reached XXXX as claimed. This unresponsiveness, combined with their refusal to actively resolve the issue with XXXX, raises serious concerns about possible negligence or mishandling of my money. 

I am requesting the CFPB investigate XXXX  XXXX  handling of this transaction, including : XXXX. An explanation for XXXX XXXX refusal to follow up with XXXX directly, despite having all required documentation from me. 
XXXX. Clarification of XXXX XXXX  policies and customer obligations in cases where funds are delayed or undelivered due to external banking issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account.
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  Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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

Bay Area Credit Service keeps calling my work looking for a XXXX XXXX XXXX. No one is here by that name, nor do we know of anyone by that name. They call and leave messages consistently, I have called them at their XXXX number, never get a person, but a message to leave a message. So I do. I give them my name, my phone number at the person they are looking for is not here. I have left this message for them 3 times in the last 2 weeks alone. 
I am extremely busy at work at to have to get my phone messages to find its just them leaving another message- it 's time consuming and at this point very irritating and I feel harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my credit report I noticed a few accounts that are not mine XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have had student loans since XXXX ... I went to quite a few schools and graduated in XXXX. I originally had some direct loans and paid XXXX XXXX I think. I had some loans from XXXX that were FFEL loans and then Direct loans for my Masters. ( I am a XXXX ). In XXXX they were all consolidated into FFEL loans and I was told to pay XXXX ( XXXX XXXX ) so I did. I just kept paying. When PSLF came around in XXXX I was told I was on the right plan. I really wasn't told anything except to pay 120 payments and work for public service. In XXXX, I received a letter saying I would have a new loan servicer which would be XXXX. They sent me something to sign even though I don't actually remember that ( they just said I did and sent me a copy of it ) to consolidate with them and just keep paying so I did. I have paid 120 payments. I have worked as a XXXX for all these years as well. I applied for PSLF and received a letter stating none of my payments count because until XXXX they were FFEL loans, and I was under the wrong payment plan when they were consolidated with XXXX. They are saying I need to start all over. Are they crazy??? I have been paying them for what seems like my entire life. The government is the one that consolidated many of my loans to FFEL in XXXX. Many were Direct loans to start with. At this point I am XXXX, and I certainly don't want to start my 120 payments again. I truly feel they made this plan up as they went. In XXXX the game was work in a government job and make 120 payments. Now they want to change the game. Tell us certain loans apply and other don't. Well in my case, the government decided to consolidate my loans into FFEL loans. I could have cared less what kind of loans they were or who I was paying. I was just trying to pay the off. I feel like they are cheating many of us out of something we have been working towards. I have paid 120 payments totally {$39000.00}. since XXXX. I have been cheated and lied to. I am sure I am not the only one in this situation. The system needs to be fixed. It needs to be fair for all of us that have paid, and worked for years thinking we would get our loans forgiven.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX