23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing this letter as a complaint against both XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and The XXXX XXXX XXXX XXXX for violation of the SCRA laws. 
I took out student loans from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX and XXXX for a combined amount of {$21.00}, XXXX. When I joined the XXXX in XX/XX/XXXX, I sent notice to all my financial lenders a form indicating I was going into XXXX XXXX. I was on XXXX XXXX in the XXXX from XX/XX/XXXX through XX/XX/XXXX. I am enclosing the official form ( XXXX XXXX XXXX ) as record of the dates. During that time, I was also XXXX to a hostile environment ( XXXX XXXX ) for the dates of XX/XX/XXXX through XX/XX/XXXX ( Letter attached ).

With the SCRA laws, my payment were to be deferred 180 days after my separation date of XX/XX/XXXX ( approximately XX/XX/XXXX ). However, in XX/XX/XXXX I received notice from the MN Department of Revenue that they kept my state refund to apply to my debt. I also received a letter in XX/XX/XXXX that the Wisconsin Department of Revenue kept my federal tax refund of {$1000.00} to put towards my debt. This is when I started contacting Great Lakes. 
Great Lakes is claiming they never received notice of XXXX XXXX or the request to reduce interest on my loans. They sent my loans to the XXXX XXXX XXXX XXXX who sent my debt to a collection agency stating I was in default. Numerous phone calls to try to resolve the issue did nothing. They would not accept my XXXX XXXX XXXX and did not want me to send them the forms to show I was on XXXX XXXX. 
I finally wrote to the US House of Representatives for assistance on XX/XX/XXXX. They took my information and paperwork and wrote to the XXXX XXXX XXXX on my behalf. The response from the XXXX XXXX XXXX on XX/XX/XXXX ( attached ) indicates they were going to pull my account back from collections, refund my tax refunds, remove my loans from a default status and return the loan to Great Lakes so I may work with them. 
It is now XX/XX/XXXX and of the above actions, the only thing that has happened is the refund of my tax refunds. My credit bureaus are still showing default and the loan has not yet been returned to Great Lakes. This has caused me financial difficulties in trying to apply for other VA loans and get approved. 
My expectation is that my loans reflect the 6 % or lower APR that was to be applied throughout my XXXX XXXX status, deferment that was supposed to take place and the 0 % for the time I was in a hostile environment which was then to be deferred for 60 months. In addition, I want all negative credit bureau reporting of default or collections to be removed and the trade line from the XXXX XXXX XXXX to be deleted since they were sent to them in violation of the SCRA. Any compensation that would apply due to the violations of the SCRA laws are also expected, up to and including waivers of monies owned and fines and/or citations to Great Lakes.
Product: Credit reporting

Ive sent my bankruptcy paperwork to Equifax and a current print out of my credit report. I have circled the issue items that should be removed from my Equifax credit record. XXXX has already removed everything off my record accept the bankruptcy. Equifax has everything they need to update my record. And has not done anuthing as of yet. Ive also made several phone calls to Equifax tryn to see why nothing is being done. And ill i keep getting is the run around. Ive done everything i have been told to do to take care of this issue. Why is Equifax so unwilling to correct my credit record? I have sent all of my paperwork to Equifax. And have proof.
Product: Credit card or prepaid card

On XX/XX/2018 I file a disputed claim with my prepaid card XXXX XXXX   dispute case ID # XXXX  for the amount of {$1800.00} there was 12 transactions not authorize by me I follow every step I need to and after 15 days of opening my dispute I got letter on the mail that my dispute was denied for controversial information, well I call them and ask them if they can send me a copy of documents they used to denied my dispute and they say yes we will send it to you but they never did I request it twice and they wont send it then I appeal the decision and they denied again so I call them everyday trying to get information why they denied my dispute they wont give me the reasons or papers they use to make there desision thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I attempted to fix all errors pertaining to my Consumer Report due to a recent credit denial. I did not provide written consent or instruction to Equifax to furnish anything on my consumer report, pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never provided written consent for Equifax, or any other 3rd party, reporting to Equifax to furnish or report on my behalf.
Product: Debt collection

This is not my debt! This is the debt of my ex-wife. I repeat this is not my debt. My ex-wife XXXX XXXX took my information and got an apartment in my name without my Knowledge or consent. 


This company has not provided any documentation or proof of this alleged debt because it is not mine, and I did not open these accounts Nor did I have any knowledge of them. Please delete off my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint about my student loan .I have received letters informing me that XXXX XXXX reporting to the credit Bureaus that I am 90-120 day late payment mark for XX/XX/XXXX and XX/XX/XXXX. In which is incorrect. XXXX send me a letter showing I was covered under deferment from XX/XX/XXXX to XX/XX/XXXX so on all my XXXX credit bureaus it should not reflect as late payment I am asking for removal of late payment on my credit.The information that they responded to me is unlawful practices that the company displays and 90-120 day late fees should be removed from All my XXXX credit bureaus, My credit score is suffering immediately because of the mistakes and this issue should be resolved expeditiously. I am attaching letter showing I was good for those 2 months. Also include pictures of the loans their are stating was late.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX limited liability company, opened a checking account on XX/XX/2024, at the Chase branch located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( the Chase XXXX Branch ). Authorized signatories on the account were XXXX XXXX XXXX and his wife, XXXX XXXX XXXX XXXX. During the account opening, XXXX XXXX disclosed to XXXX XXXX XXXX, the bank representative, that she was awaiting her Social Security number. XXXX XXXX indicated this would not pose a problem and proceeded to open the account. 

On XX/XX/2024XXXX XXXX XXXX XXXX XXXX  received a wire transfer of {$59000.00}, followed by a second transfer of {$40000.00} on XX/XX/2024. These funds were designated for purchasing supplies for XXXX, a reputable XXXX company represented by XXXX XXXX XXXX XXXX XXXX. Subsequently, XXXX XXXX XXXX XXXX  withdrew most of the funds to avoid unintended transactions after canceling a wire transfer. At the advice of a Chase XXXX representative, XXXX XXXX refrained from redepositing the funds until he received confirmation of the cancellation. Once confirmed, the funds were redeposited and used for intended purchases on XX/XX/XXXX and XXXX XXXX. 

On XX/XX/2024, Chase issued a letter restricting the account, requesting verification of recent activity. When XXXX XXXX contacted Chase, he was informed that XXXX XXXX XXXX needed to confirm the first XXXX wire transfers made into XXXX XXXX XXXX XXXX  account. Upon learning she resided in XXXX, Chase representatives claimed they could not contact her directly. XXXX XXXX subsequently visited the Chase XXXX XXXX, where the XXXX, XXXX XXXX XXXX, advised him the account was closed due to XXXX XXXX lack of a Social Security number ( a completely different reason from the XXXX provided by Chase when XXXX XXXX contacted them over the phone ). The branch XXXX indicated this issue could be resolved by removing XXXX XXXX from the account. XXXX XXXX complied and was assured that a check for the account balance would be mailed within XXXX business days. 
Despite repeated follow-ups, Chase has refused to release the funds, citing the inability to verify the wire senders identity. Thereafter, at Chases direction, XXXX XXXX XXXX initiated a wire recall through her bank, XXXX XXXX, but Chase denied the recall, claiming the account closure prevented the transaction ( see attachment ). Further attempts to resolve this matter, including meetings with XXXX XXXX XXXX and daily phone calls to the wire and fraud department have also been unproductive. To date, Chase has provided no justification for withholding the funds, while the damages resulting from Chases wrongful retention of XXXX XXXX XXXX XXXX money continues to escalate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent letters about incorrect and inaccurate information reporting to my credit report. I have yet to receive any information about these items I requested be investigated. At this point and time I feel that I am being taken advantage of and my disputes and are being ignored. I have done everything on my end to work with the credit bureaus to get this resolved and still nothing has been done. Section 611 ( a ) states failure to investigate these items within 30 days gives reason for those items to be immediately deleted from my credit report promptly. Ive been a victim of identity theft and have also sent them the FTC report and being a victim of the Equifax data breach, so I demand these accounts be deleted from my credit report while I am filing litigation for the stress and negative impact this has had on my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response to my initial dispute to what I believe is a stall letter. I am who I say I am and I provided proof of identity with my first dispute letter. I'm resending my dispute along with clear proof that I am who I state I am. My XXXX has not been reporting and you need to updated this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX showed we were pre approved for many cards and loans. We clicked on the items and it turns out we werent pre approved. Now we have a lot of hard inquiries which is hurting our score.
Product: Checking or savings account

I received a notice in the mail from TCF Bank on XX/XX/XXXX, dated XX/XX/XXXX, notifying me that an account in my name was been overdrafted. I did not open this account, and have no relationship with it. This may be part of an on-going attempt by an unknown person to steal my identity, which has involved over 10 attempts to take out unauthorized lines of credit and loans in my name. I have an active report filed with the XXXX Police Department related to this. I have checked my credit report and there is no notice of a hard or soft credit pull by TCF Bank or Chemical Bank. I put a freeze on my credit report using all three credit agencies in XXXX. No attempt was made by TCF Bank that reached me to verify this account prior to it being opened. I just spent almost 20 minutes on the phone with a TCF Bank representative who filed an internal report that the account was fraudulently opened, but refused to freeze or close the account. I was told that if I visited a branch that it " might be possible '' to close it there.
Product: Consumer Loan

I have this debt that i do n't recognize and may be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of my credit report. 30 days has passed & I have not been reached out to about my investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX ( XXXX  XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX  and XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I RECEIVED A NOTICE FROM ASSET RECOVERY SOLUTIONS STATING I OWE A DEBT TO XXXX XXXX  WHEN I OWE NOTHING TO ANYONE. XXXX IS CLAIMING THAT THEY BOUGHT MY DEBT FROM SOMEONE ELSE BUT HAS NOT BEEN ABLE TO PROVE TO ME THAT THEY LEGALLY OWN MY SO-CALLED DEBT. WHO OWNS THIS DEBT?? THESE COMPANIES ARE ATTEMPTING TO GET MONEY FROM ME BUT NO ONE IS LEGALLY PROVING TO ME THIS DEBT IS MINE. THIS IS WRONG AND CAN NOT BE LEGAL!!!! ASSET RECOVERY SOLUTIONS LLC NEEDS TO IMMEDIATELY PROVE TO ME THAT THEY ARE LEGALLY ABLE TO COLLECT THIS DEBT. ACCORDING TO 15 U.S CODE 1692G, I AM IMMEDIATELY REQUESTING 1 ) A COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE THAT I SIGNED FOR THIS DEBT. 2 ) A DETAILED LIST OF MY HISTORY OF PAYMENTS 3 ) PLEASE PROVIDE ME WITH THE NAME AND THE ADDRESS OF THE ORIGINAL CREDITOR. I ALSO WANT TO SEE IF THERE HAS BEEN ANY INSURANCE CLAIM FILLED ON THIS DEBT. 4 ) PLEASE PROVIDE ME THE PURCHASE AGREEMENT!! I WANT PROOF YOU OWN MY DEBT AND HAVE BEEN ASSIGNED MY DEBT TO COLLECT. SHOW ME THE CHAIN OF TITLE!! 5 ) PLEASE PROVIDE ANY JUDGEMENTS OBTAINED AND 6 ) PROOF THAT THE STATUTE OF LIMITATIONS HAS NOT EXPIRED YET. I HAVE ALSO REACHED OUT TO XXXX/ XXXX XXXX XXXX AND REQUESTED A DEBT VALIDATION BUT WAS ONLY SENT AN ACCOUNT SUMMARY WHICH DOES NOT PROVE THIS DEBT IS MINE. THIS IS RIDICULOUS AND I AM NOT OKAY WITH YOU COMPANIES HARASSING ME WHEN NO ONE HAS BEEN ABLE TO VALIDATE THIS DEBT. I AM IMMEDIATELY REQUESTING AN INVESTIGATION!!!!!
Product: Credit reporting or other personal consumer reports

To who ever this my concern my name is XXXX XXXX I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the fair credit reporting act fcra ,15 u.s.x.s 1681i witch requires credit reporting agencies to conduct a reasonable reinvestigation of disputed. Items. Recent findings by consumer financial protection bureau cfpb have brought to light. Significant concerns regarding Experian the cfpb alleged that the company engaged in sham investigations violating consumer protection laws by failing to meet it obligations under the fcra as per 15 u.s.c.s 1681 a1a Experian is required to conduct a thorough abd reasonable reinvestigation of disputed items within 30 days furthermore under 15 u.s.c .s 1681 I a 5 any information found to be inaccurate incomplete or unverified must be properly deleted or corrected failure to adhere to these requirements constitutions a violation of federal law i hereby request that Experian conduct a thorough reinvestigation of the following dispute accounts or items
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification on my credit report to make sure everything was accurate. All three credit bureaus said that they did complete an investigation and stated that everything was accurate. I completed a thorough research myself and found improper inaccuracies on the credit report even after the credit bureaus did the thorough research. 

Account Name Account Number Company Name XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, and 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

These items are inaccurate and violate the Fair Credit Reporting Act ( [ 15 USC 1681e ] ( b ) ). Your agency must ensure the information you report is correct.

Additionally, under [ 15 USC 1681b ] ( a ) ( 2 ), you have shared my confidential information without my permission, breaching my privacy rights as per 15 USC 1681 ] ( a ) ( 4 ).
Product: Debt collection

How XX/XX/XXXX at XXXX XXXX XXXX I have lived in California for almost 20 years. I received the call from Transworld Systems Incorporated. 

I haven never done business with this company and downy know why they are calling. 

The phone number they called from XXXX ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

These accounts from XXXX are fraudulent accounts and are not mine. Please remove ALL fraudulent accounts listed from my credit report. Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

An Unauthorized Inquiry was reported to my Consumer Reports on XX/XX/XXXX. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/XXXX. A copy of this letter and confirmation receipt is attached below. 

*USPS Certified Mail : XXXX - Delivered XX/XX/XXXX This Creditor had No Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : I am writing this letter to dispute this debt collector off my credit report. I have reached out previously to XXXX XXXX XXXX that they provide proof of validity of debt, in which they only provided a partial amount. They placed 1 item on my credit report one for the balance of {$2000.00}. This debt is not mine. I am requesting that they be removed off my credit report. 

I have enclosed the letter I sent out to the company previously and their response. I had previously filed a complaint with them to dispute the items. Please remove all three items from report they are not mine.
Product: Credit reporting or other personal consumer reports

Formal Complaint Willful Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n ) Regarding False Reporting of XXXX XXXX  Account # XXXX I am submitting this complaint regarding the false and willful reporting of a XXXX XXXX account ( # XXXX ) on my credit report by [ insert the credit bureaus in question, e.g., XXXX, Experian, and XXXX ]. The account in question is completely inaccurate and baseless, as I have no existing child support case or obligation. The reporting of this account not only damages my credit standing but also directly violates the Fair Credit Reporting Act ( FCRA ), specifically under sections related to the duty to report accurate information and conduct reasonable investigations. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of information on consumer reports. By allowing this erroneous account to appear on my report, the credit bureaus have failed in this statutory obligation. Furthermore, their failure to remove this account after I previously disputed it indicates a lack of reasonable reinvestigation under 15 U.S.C. 1681i ( a ).

Additionally, the willful and reckless nature of this reporting constitutes a violation of 15 U.S.C. 1681n, exposing the credit bureaus to liability for damages, statutory fines, and attorneys fees. The reporting of this account also creates unwarranted financial harm, as it misrepresents my creditworthiness and undermines my ability to access credit, housing, and other necessities. 

I am requesting the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their blatant disregard of federal law. Specifically, I ask that : This XXXX XXXX account ( # XXXX ) be permanently deleted from my credit file across all reporting agencies. 
The credit bureaus provide documentation of their procedures and investigations into this account as required under the FCRA. 
The CFPB impose appropriate penalties on the credit bureaus for their willful noncompliance with the law.
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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, states a consumer reporting agency can not furnish an account without my written furnish an 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 and crimes which antedates the report by 7 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 person knows or has reasonable cause to believe that the information is inaccurate