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

I sent multiple disputes through XXXX XXXX, XXXX, and XXXX to have the original creditor send proof of ownership of the account. I also stated to have the account removed from my credit report until they could prove ownership and to remove the account because they did not have my consent to add it to my credit report in a negative manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XX/XX/23 and found inaccurate information on my report ( XXXX XXXX XXXX ). I immediately wrote a dispute letter and sent it off. Thirty days went by and I didn't get any kind of response, so I sent another dispute letter and included some inaccurate personal information that I wanted removed. Thirty more days went by and I have yet to get any kind of response from TransUnion. I sent one last letter to them, and depending on their response will depend on whether I file a complaint with the FTC and the XXXX. I've also been in contact with a couple of consumer attorneys that work on contingency just in case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two collection accounts appeared on my credit report in XX/XX/XXXX. I disputed them with XXXX  under report # XXXX and that dispute ended with the account information being updated and verified. I disagree with that result. When I first saw the two accounts that are in collections, I noticed they were related to private loans I took out in law school in XXXX or XXXX. Some time after graduation in XXXX, I consolidated my student loans and assumed that the private loans had been included. I never received a call or spoke to anyone from XXXX, XXXX and XXXX. I never heard of that agency until this XXXX. The collection accounts do not show on my XXXX report but does on Transunion and XXXX. By the way, I had to paid {$25.00} on the Transunion website just to access the dispute page ( I did not yet submit a dispute to Transunion ). I think this payment requirement is very unfair. Transunion says the collection accounts were opened on XX/XX/XXXX. However, when I told the XXXX customer service rep that the loan dates back more than 15 years, she explained to me on the phone that the XXXX account was opened in XXXX and said the account should fall from my credit report in XXXX. A review of the XXXX credit report does not show a XXXX date anywhere, so I see the XXXX comment was a way to get me off the phone and accept the result. I would like the two collections deleted simply because it is a debt I never acknowledged. I had no interaction with the agency. XXXX is trying to recover a debt that was incurred more than 15 years ago.
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 Number : XXXX Account Name : XXXX FIN Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the failure of the credit reporting agencies Transunion, Equifax and Experian to properly investigate and remove an account from my credit report that does not belong to me. Despite multiple dispute attempts and my clear assertions that the account is fraudulent, the credit bureaus have failed to take appropriate action and have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Background Information : Account in question : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Current status of dispute : unresolved remains on my credit report FCRA Violations by Credit Bureaus XXXX Under the FCRA XXXX credit bureaus are legally required to conduct a thorough investigation within 30 days of receiving a consumers dispute. However, despite my clear and documented dispute efforts, the credit bureaus have repeatedly failed to : Conduct a proper investigation of the account, as required by Section 611 of the FCRA.

Remove the account from my credit report, despite the fact that I have provided sufficient evidence that the account does not belong to me. 
Provide a written explanation or proper documentation regarding their findings or any evidence they used to substantiate their conclusions. 
Additionally, I have received either incomplete responses or no responses at all from the credit bureaus, which is a clear violation of my rights under Section 609 of the FCRA to receive an accurate investigation and the results thereof.

My Rights Under the FCRA : Section 607 ( a ) of the FCRA mandates that the credit bureaus ensure the accuracy and completeness of the information reported. The presence of an account that does not belong to me is a clear violation of this requirement.

Section 611 ( a ) requires credit bureaus to investigate disputes thoroughly and within 30 days. Their failure to act properly within this timeframe is unlawful.

Section 609 ( a ) guarantees my right to receive the results of any investigation, including documentation of evidence used in their determination.
Product: Bank account or service

I deposited my paycheck for {$1400.00} on XX/XX/2017 around XXXX to the PNC bank over the ATM. Usually this clears same night. Then XXXX payment posted on the same night ( XX/XX/2017 ). The attached statement shows that there was credit balance on XX/XX/XXXX but they still charged of XXXX overdraft fees of {$36.00} each for the XXXX payments totalling {$140.00}. I do not understand this practice. The attached statement does not show my funds were insufficient. Why make the XXXX payments as overdrafts first and then credit my account with my deposit? I would appreciate your assistance please. Thank you. 
I suspect this to be fraudulant practice. Please help to recover the overdraft fees. I called the PNC bank.. The clerk said he does not have the power to reverse them but lodged a complaint to his manager who should call me within 48 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX stated that they can verify their information. I request their information method of verification. The use of the last four of ones social security number is not a method of 100 % verification. It is Not my responsibility to to confirm their information to them. Please confirm you information to be true.
Product: Debt collection

I signed up for XXXX XXXX XXXX through an authorized dealer. The services never worked correctly and some equipment never worked at all. XXXX let me out of the contract. This was between XXXX and XX/XX/2022. This week, Hillcrest Davidson collection agency posted a debt of {$1700.00} to my XXXX credit report. I did my due diligence to cooperate by calling XXXX and XXXX XXXX to optain what the collection agency wanted. I got a zero balance statement and a billing history report, but Hillcrest Davidson sent me a screenshot of a supposed statement. No services were rendered and XXXX had terminated the contract due to it not working in our area. XXXX XXXX, sold my information falsely reporting a charge that XXXX does not have, but they state that it is coming directly from XXXX. The bottomline is that they sold my information and have misrepresented a balance that is fradulant. I need this to be removed immediately, please, because it is fraud and I am in a time constraint to purchase a house. This is extortion because after I proven that XXXX let me out of the charges for lack of service from them, XXXX XXXX has sold my name is false information about the balance and the time of service. Please help me.
Product: Credit reporting or other personal consumer reports

Started a dispute XXXX of XXXX  for the following creditors : Sunrise Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX I had my identity 'stolen '/ compromised via a phone call- it involved what we thought was XXXX  XXXX  and ended up with CashApp... they were able to request a withdrawal money from my account- we reported the fraud, our bank was able to refund the withdrawal and block their activity. 
Now - XX/XX/XXXX- I received a 1099B form showing Proceeds from the sale of XXXX  - NO IDEA WHERE THIS CAME FROM - But they do list CashApp as the method for payment/transfer. The letter states it was from : Block , Inc . 
XXXX Square , Inc. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX We have read of other similar SCAMS and wanted to report our version. 
Thank You.
Product: Credit reporting or other personal consumer reports

There are numerous credit inquiries that I did not authorize on all three credit agencies XXXX, XXXX, and Experian. I have attached a fraud report with all the listed credit inquiries in question.
Product: Student loan

Dear Consumer Financial Protection Bureau, Amid 6 months of contacting XXXX and XXXX regarding my American Education Services ( AES ) Federal Student Loan, I write, because since XXXX 2015 there has been a persistent error regarding the balance of XXXX my AES student loans. Specifically, the balance for XXXX of my AES student loans jumped 56 % ( {$17000.00} ) in one month and has been negatively impacting my credit and ability to secure employment for several years. And despite provided detailed evidence and documentation via emails and in writing to the above noted organizations no one has responded to correct this matter. I am requesting that this error be corrected in my XXXX credit reports and in AES records as soon as possible. Above all else, imperishable thanks for your time and consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) I am submitting the requested supportive documentation required to ensure compliance to help me due to Human Trafficking debt bondage that Ive suffered which falls under Trafficking according to the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 1002.142 ( b ) ( 7 ).

I kindly request that you Block this information from my credit account within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I am a victim of XXXX XXXX  of Debt Bondage and need for all listed accounts to be BLOCKED and DELETED from this credit bureau. 

I will include a separate written summary of the debt and upload it. 

Thank you in advance,
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/scrub>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 XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Mortgage

To whom it may concern : I have lived in the XXXX Arizona area since XXXX. I bought my home in XXXX XXXX in XXXX. This home means so much to me since it was my project to have it built from the ground up after a very emotional, messy divorce. I have endured many hardships from that point to now, but I still love my home and I do n't want to lose it. Unfortunately, I might because my lender is trying to foreclose on me. My home is scheduled to be sold on XXXX XXXX, XXXX!!! 

I did have my loan modified in XXXX, but the payment came out too high. From that point on, I have not trusted my lender or the modification process. I struggled but I made those mortgage payments until I started having medical issues in XXXX. I eventually had a XXXX in XXXX. I missed a lot of time at work and had to pay a lot of out-of-pocket expenses ( co-pays and deductibles ). I finally defaulted on the mortgage at the end of XX/XX/XXXX. Because of my poor experience with the last modification, I had no trust in trying by myself to get my loan modified again. I hired a law firm to help, but they got nowhere in dealing with this. 

I am a XXXX. I 've been in this industry for XXXX years, certified for the last XXXX years. When I went back to work after my XXXX, I had to deal with a lot of XXXX. I was falling further and further behind on my mortgage since any payment I sent would not be accepted, and I was n't getting anywhere with the modification process. That led to me being diagnosed with XXXX in XXXX of XXXX. I immediately had XXXX again and then XXXX in XXXX of XXXX. I hope to remain in XXXX now, and I 'd like to now solve my mortgage issue. 

I have not been assigned a single point of contact nor have I been offered any sort of assistance or repayment plan to get my payments on track. I believe that my loan fits squarely within government guidelines. I do n't need nor do I want a handout or anything that I do n't deserve. All I want is a little assistance in getting a loan modification that lowers the payment to a level that is sustainable moving forward. My financial future looks bright and I hope to be past my medical issues. I do n't anticipate having any financial issues moving forward if I can get this resolved reasonably. Thank you in advance for any help you could provide.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was expecting a zelle payment from my sister but when she went to zelle the money to my old phone number it went to whomever has that number now. I called my bank to see about options we could do but they were of no help and stated the money was already accepted and withdrawn from my sister account. I tried reaching out to the number as well but they also refused to send the money back. This was XXXXXXXX XXXX  it wasnt no small amount and to offer a oh well we cant do anything about that was a slap in my face. I care for XXXX kids that money wouldve been very helpful but instead I had to eat it because there was no way I was going to make my sister repay again the same amount.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed some inaccuracies accounts/information reporting to my credit report. These remarks and have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated 15 USC 1681 SECTION 802 A. STATES THAT I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A. SECTION 2 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT PERMISSION AND OR WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that are reporting on my Credit Reports : XXXX XXXX Balance : {$6500.00}
Product: Credit reporting or other personal consumer reports

Recently, I wrote to U.S. Department of Education, Student Privacy Policy Office at XXXX XXXX XXXX, XXXX Washington, XXXX XXXX. This was for a Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans. This was to inform them of a formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 
A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. I ask for them to direct all correspondence to the address listed above. I am now asking you to review and assist because no action was taken with my urgent ask.
Product: Checking or savings account

I have two direct deposits from my employer to my checking account with Citibank that are not in my account. I have worked with my employer, XXXX XXXX XXXX, to find out what happened. They have given me trace numbers for these deposits and stated that the money is in Citibank. Citibank refuses to help me trace the funds. Now they are charging me overdraft and returned check fees in the amount of {$120.00} and have the nerve to have their collections department call me. 

The first missing deposit was made on XX/XX/XXXX in the amount of {$180.00}. The trace number given to me from my employer 's bank, XXXX XXXX XXXX, is XXXX. The second deposit was made on XX/XX/XXXX in the amount of {$380.00}. The trace number from XXXX for that deposit is XXXX. 

Citibank has told both my employer and myself that the deposits may have been put into another account. Yet they refuse to trace it and make it right. I have asked to speak with the ACH department but no one can connect me. 

I am beyond frustrated at this point. I have a cut off notice for my light and my auto insurance has lapse. I don't have a lot of money so I need for them to find my money and credit back my account the overdraft fees.
Product: Money transfer, virtual currency, or money service

I'm wiring money to payoff a loan. Submitted at the branch. I've spent hours complying to their request. After several days, the wire has not processed. I have nothing from the bank stating the problem or if the money will be wired. The delay is costing time and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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