23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have had my student loans through Nelnet. In the last XXXX  months I have had my student loans forgiven. I noticed there was a portion of {$13000.00} left. I went to check on that amount at Nelnet.XXXX and it said my balance was at {$0.00}. I checked a few times to see if I could find out further information, it just said loans were paid. 
At the end of XXXX I received a credit report saying that I went from excellent credit to fair, it dropped XXXX points. I investigated to find XXXX XXXX  had taken over my loan and I was XXXX  months delinquent. They say they tried to contact me, I never received an email or phone call, no piece of mail. I looked back in my phone records and emails and have found nothing. I filed a report with them, they said no change in credit report will be done. 
My problem is I never received information that my loan was transferred, I would never let it go into delinquency. I have been in an income driven plan.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and subsequent identity theft. Fraudulent accounts and inquiries have appeared on my credit report without my authorization. I request that you take immediate action to block and delete the following accounts and inquiries as allowed under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Accounts to Be Blocked and Deleted : 1. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2100.00} 2. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} 3. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$830.00} 4. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$460.00} 5. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$690.00} 6. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} 7. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} 8. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} 9. XXXX XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} Inquiries to Be Removed : 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

Upon checking my consumer report, I notice that someone fraudulently access my identifying personal information without my consent or lawful authority. I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove inquiry below. 
XXXX. XXXX XXXX XXXX DELETE NOW Failure to comply under the Fair Credit Reporting Act and my right to privacy I shall escalate this matter causing me harm and injuries to my reputation and mode of living.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I discovered an inaccurate item posted to my bill from Citicards. I questioned it by phone and asked for documentation ... numerous times ... and numerous times it was promised and even said to have been mailed when XXXX 's own records proved it wasn't. ( When it was finally provided along with copies of the log I'd requested, it was apparent that I had been lied to on the phone re their sending anything to me that identified the basis of the disputed charge. ) This account was on auto pay/full balance. After telling XXXX, by phone to stop grabbing the money from my checking account ... to no avail, I had to order a stop payment against XXXX at my Bank ( for which I had to pay {$35.00} ) .When XXXX got the stop payment info yet another XXXX XXXX called me and finally looked at the account and recognised the error. Where upon I paid the full true balance due and directed that the account be closed, which was done, not quite timely ... but done. 
That last rep I spoke to also promised this misadventure would not be reflected on my credit report .... However, when I checked my credit report today ... I found XXXX reported I was delinquent for 3 months. My " deliquency '' was due to my refusal to pay the balance until I could get info re its legitimacy and until XXXX looked at it and corrected their error in wrongly seeking payment for an amount for which I was not liable ... and for taking that amount out of my linked bank account. 
While XXXX ethically should be responsible for compensating me for the hours I spent trying to correct their error as well as the {$35.00} stop payment charge I incurred that finally got their attention, I would be happy if they removed the adverse info from my otherwise pristine credit history .... although I wouldn't mind the {$35.00} as well. My resolve to never to do business with XXXX again ( which one of their reps arrogantly replied was of of no matter to them, when I spoke to her ) will assure this never happens again, at least not with XXXX.
Product: Credit card or prepaid card

Hi CB Wayfair ; I'm little confused that you even allowed to mark me late on XXXX XXXX for 30 days and recently on XX/XX/XXXX during covid19. I was actually shocked today when i reviewed my credit report from all major credit bureaus and noticed those late payments as mentioned. 

I am not sure how this happened, but I believe that i made the payment as required on the dates stated and noticed that you took it from my bank account when i received my statements. My only other thoughts are that my monthly statements did not get to me on time.
Product: Debt collection

I received a communication from Kohn Law Firm regarding a debt they claim I owe. During this communication, a representative from the law firm threatened to take legal action to seize my house if I did not immediately pay the alleged debt in full. These threats have caused significant distress and anxiety for me and my family.

I believe that the actions of Kohn Law Firm are in direct violation of the FDCPA, which prohibits debt collectors from engaging in abusive, deceptive, or unfair practices. Threatening to take my house is an extreme and inappropriate action that goes beyond the bounds of legal debt collection. 

I want to emphasize that their threats are unwarranted and have caused me significant distress. I have not yet responded directly to the law firm as I wanted to seek guidance and support from the Consumer Financial Protection Bureau before proceeding further. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Kohn Law Firm for their unlawful and intimidating behavior. It is crucial to protect consumers from such abusive debt collection practices and ensure that debt collectors adhere to the guidelines set forth by the FDCPA.

Kohn Law Firm is already alleged for unlawful violations of the Fair Debt Collections Practices Act for allegedly omitting " safe-harbor '' language as a means to allegedly mislead and collect larger amounts from debtors that what is owed. It is causing a lot of stress reading online cases like Kohn law firm mailed a letter to XXXX ( XXXX ) in connection with the judgment entered and the alleged debt. The letter informed her of the alleged debt, but allegedly did not inform her that the debt would be increasing at a rate of 5 % per day. 

The suit accuses Kohn of not including so-called " safe harbor '' language disclosing that they were attempting to collect the full amount plus interest accrued daily until it's paid off. 

XXXX XXXX  language provides debt collectors with a way to notify consumers that the amounts they owe may ultimately vary. 

I am prepared to cooperate fully during the investigation and provide any additional information or documentation required to support my complaint. 

Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers ' rights, and I appreciate your assistance in addressing this violation. 

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

To whom it may concern : I am a victim of identity theft and human trafficking.

I write to dispute certain information in my file resulting from the crime. Just so you know the items I am disputing do not relate to any transactions that I have made or authorized. Please make Equifax comply with the Fair Credit Reporting Act and remove these fraudulent accounts from my Credit file. 
XXXX fraudulent accounts are showing up on my Credit Report, these accounts are : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX 
XXXX fraudulent account 's XXXX XXXX XXXX XXXXXXXX ) opening date is XX/XX/XXXX ( When I had not even stepped foot in the United States, had no Identity, and no Social Security Number ). I arrived in the United States as a XXXX in XX/XX/XXXX. It was physically and scientifically impossible for me to open that account. You can see that my Social Security XXXX was issued after the opening date of this fraudulent XXXX XXXX XXXXXXXX account. 
I entered the Country for the first time back in XX/XX/XXXX and before that, I was trafficked and smuggled out of XXXX because of Political Problems and into XXXX until I finally came to the United States. A lot of people had access to my Passport/Identity documents along the way, which put me at extreme risk of Identity theft and for my sensitive documents to be compromised. 
The above XXXX items are inaccurate because they do not belong to me, are fraudulent, unauthorized by me, and are a direct result of criminal Identity theft. 
I have only ever opened and authorized XXXX XXXX XXXX in my lifetime, they are both from XXXX XXXXXXXX opened in XXXX, and those plus XXXX auto loans are the entirety of my CORRECT and AUTHORIZED Credit History. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, to section 605B of the Fair Credit Reporting Act and section 605C of the Fair Credit Reporting Act ; I am requesting that the Four fraudulent items be fully removed.

Attached are Proof of my Identity and address, copies of the Police report, an Identity theft report supporting my position, first issued Social Security number demonstrating that the fraudulent XXXX XXXX XXXX account was opened before even I arrived in the country and had a Social Security number. Also attached is my Asylum XXXX by the Department XXXX XXXX XXXX 10 years ago proving that I was an Asylee/Refugee and victim of trafficking. 
Please have Equifax comply with section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act and delete the disputed items as early as possible. 
It seems unfair that the only way for me to get these off my Credit report is to file a lawsuit against Equifax. 
I hope that the Consumer Financial Protection Bureau can end this never-ending nightmare for me. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need this information to be reviewed, it is inappropriate information with negatives and does not belong to me, I want it to be removed immediately XXXX XXXXXXXX XXXX - XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - Incorrect XXXX XXXXXXXX XXXX - Incorrect
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that I had fraudulent account on my credit report. Please remove this account from my credit report it is hurting my ability to obtain credit.
Product: Debt collection

Spring Oaks Capital LLC is operating using iniquitous tactics towards consumers. 

They have reported an item to my credit file on XX/XX/2023 and heinously again on XX/XX/2023. 

I can't imagine what their motives might be other than to deliberately deface consumer 's credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of specific information from my credit report due to ongoing issues related to a data breach and identity theft. These matters have significantly impacted my life, and while I can not disclose all the details due to their private nature, I want to emphasize that I am a victim of identity theft. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681 ), I request that the following items be deleted from my credit report. I understand that XXXX, XXXX and Experian is required to take action within four days of this request. 

[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ] Thank you for your prompt attention to this matter. I look forward to your confirmation of the deletions.
Product: Credit reporting or other personal consumer reports

I woke up today to find inaccurate accounts on my credit report, and Im completely lost as to why this is happening. Ive been checking my report regularly, and its always been accurateuntil now. I thought it might just be a glitch, so I refreshed my browser several times, but the discrepancies didnt go away. Im pleading with you to go over the documents I submitted carefully so I can stop feeling this constant fear and frustration.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHRORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear, This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation. 

The accounts I am disputing are as follows : The reasons for this dispute are as follows : Violation of FCRA Sections 1681e ( b ) and 1681i ( a ) : Under the FCRA, specifically Sections 1681e ( b ) and 1681i ( a ), you are legally obligated to ensure that all information in my credit report is accurate, complete, and verifiable. Recent lawsuits against both XXXX and Equifax have proven that your company has failed to meet these obligations. I am holding you responsible for failing to follow reasonable procedures to assure maximum possible accuracy in the reporting of my information. 

Failure to Verify and Investigate Properly : The accounts listed above are either inaccurate or unverifiable. Section 1681i of the FCRA requires you to investigate any disputed item within 30 days of receipt of this letter. If you can not verify these accounts or if they do not meet the legal standards for reporting, they must be removed immediately from my credit report. 

Recent Legal Action and Non-Compliance : In light of the recent lawsuits where XXXX and Equifax were found to be in violation of the FCRA by failing to ensure the accuracy of credit reports, I am demanding immediate action. Your failure to properly verify and investigate these accounts is unacceptable, and I will not tolerate the continued presence of inaccurate information on my credit file. 

As required by law, you have 30 days to complete your investigation and provide me with the results. If these accounts can not be verified or if the investigation is not conducted properly, you must immediately delete these items from my credit report and notify me of such action. 

If this matter is not resolved within the statutory time frame, I will not hesitate to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing all available legal remedies. 

I expect a prompt and thorough investigation and resolution. If you require any additional information, I am prepared to provide it, but I expect nothing less than full compliance with the law. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint against World Acceptance Corporation, located at XXXX XXXX XXXX, XXXX, SC XXXX, for their failure to properly investigate a direct dispute I submitted regarding my credit report, as required by 1022.43 of the regulations set forth by the CFPB. 

Account Information : Account Number : XXXX ( I do not have access to the non-redacted account number ) Last four digits of Social Security Number : XXXX Nature of the Complaint : I submitted a direct dispute to World Acceptance Corporation on XX/XX/2023 and XX/XX/2023 to request Validation of the alleged debt and to correct specific inaccuracies on my credit report. Despite providing all the necessary information and documentation as outlined in 1022.43 ( d ), my dispute was deemed " frivolous or irrelevant '' without adequate justification. 

Supporting Documentation : I have attached copies of the following documents to substantiate my complaint : 1. ) The original dispute letter sent to World Acceptance Corporation 2. ) Their response letter deeming my dispute as " frivolous or irrelevant '' I would like the CFPB to investigate this matter and take appropriate action against World Acceptance Corporation for their failure to comply with the regulations. I also request that I be informed of the actions taken in response to this complaint. 

Thank you for your attention to this serious matter. I look forward to your prompt response.
Product: Credit reporting

Experian is reporting incorrect information on my credit report. I tried disputing this information online but the system would not allow me to do so. 1st issue is capital accounts acct # XXXX they did not allow me the mandatory 30 days to dispute this item. Along with not giving me the proper time frame which is breaking the FDCPA. They also are reporting the wrong balance. My 2nd complaint is experian re-inserted my mandee 's charge account/commenity bank into the potentially negative part of my credit report. I submitted a letter from commenity bank/mandee 's that this account was never paid late. Experian moved it to the correct part of my report last month ( accounts that are satisfactory ). Then this month they re-inserted it into accounts that are potentially negative. I have disputed this and finally had it corrected and now they put it back into negative again. My main complaint is teacher 's federal credit union is listing as discharged through chapter XXXX bankruptcy. I NEVER did bankruptcy so this information is completely untrue and incorrect. This is listed twice on my credit report. I have contacted experian numerous times in disputing this information and it just keeps updating. Having this incorrect information reporting on my experian credit report is affecting my credit score in a negative way and making it very difficult for me in obtaining substantial credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month almost XXXX and TransUnion has lowered my Fico score completely unfairly because I pay my credit card bill off in full every month. Theres absolutely no reason that my Fico score should drop. They are also letting anyone regardless of credentials or veracity attach any bill to my collection balance. The bills on my collections are several years old And I am not accruing any late or past due balances. I dont understand what type of people or mathematical formula they are using at those two institutions that paying my bills off every month in full somehow lowers my score. I would appreciate some help. Thank you.
Product: Credit reporting or other personal consumer reports

I have diligently followed all necessary procedures to dispute these accounts. I contacted the company, and they assured me the issue was resolved. Law enforcement has been involved, and I provided an FTC report, which they confirmed as valid. XXXX and XXXX have complied with legal requirements and removed the following accounts. However, Experian is presenting obstacles, claiming I haven't completed all the necessary steps. 
Despite my previous claim to Experian, I am still facing difficulties. Experian alleges that the documents I've provided are inadequate. It appears Experian is not fulfilling its legal obligation to process the identity theft report, even though the accounts have been removed by the other bureaus. 

I want to emphasize that I reported the identity theft to a law enforcement agency, specifically the FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft and my inability to access my credit is severely impacting my personal and professional life. 
I am overwhelmed and feel like I'm losing control. Please handle this matter with urgency. For clarity, I am the sole individual submitting this complaint, without the involvement of any third party. I implore you to address this issue promptly. 

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

I am a victim of identity theft. I refuse to be responsible for an account that does not belong to me
Product: Debt collection

In summer of 2022 I participated in a consumer credit transaction with Discover Bank and it has been ongoing until recently. The corporation has claimed that I owe an alleged debt. I have requested proof of that information from the corporation twice and I have not received any proof. The only thing it has mailed me is statements which are not proof. I also have a the credit card agreement between me and the corporation. Discover is in violation of the TILA, FDCPA, FCRA, and GLBA. I have attached my letters and the corporation responses. The statements and payment history provides proof of extortion. The card agreement provides proof of the CCT. Discover has furnished this account to the credit reporting agencies without my permission and has defamed my character and credit worthiness.