23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. They bought an account from XXXX XXXX and have continued to falsely report it as a collection account with {$1600.00} owed in my name even after XXXX XXXX removed the account from my credit report after acknowledging that is was not mine. Furthermore, I have disputed this account, and asked for verification. They failed to respond in the required days with the information that was requested. This account is further negatively affecting my credit report and score due to this company 's false reporting and has kept me from being able to establish a mortgage. I am demanding full deletion of this account as a result of not verifying the information or contract allowing them to report it on my credit report before we pursue further legal action.
Product: Credit reporting or other personal consumer reports

i recently pulled my credit report and found multiple fradulent accounts that were reporting.Above is attached file of the bank that id like removed from my report.Im currently in the process of looking for a home for my family but ive been faced with this fraudulent account.Please review all my attached documentation and remove account off my report please.
Product: Credit reporting or other personal consumer reports

I am writing to 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 ( Equifax, 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. Please direct all correspondence to the address listed above.

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to submit a dispute with TransUnion online for what ever reason. Ive enclosed a screen shot image of the issue im having that is not allowing me to submit an online dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for, + purpose.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' DEPT OF EDXXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' DEPT OF EDXXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, DEPT OF EDXXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Product: Credit reporting or other personal consumer reports

Am victim of fraudulent unauthorized credit inquires performed by listed companies of FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX  XXXX Balance {$1000.00} ; XXXX  XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX 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

My concerns with Discover and their unfair credit reporting processes. 
I paid my account within 30 days ( XXXX and XX/XX/2019 ) and was reported late. 
The account was never late.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have some Fruad accounts on my credit reports.
Product: Credit card or prepaid card

I have attempted ( again, I did previously ) to pay my Synchrony Amazon Store Card and the payment disappeared from my bank account, I got a confirmation e mail from Synchrony that payment was accepted but then when i check the Synchrony Site, I see payment was then rejected. Where did the money I paid Synchrony go? Its not in my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is a third-party reporting service reporting information without my consent. Per my bank 's privacy statement and terms and conditions, they will not share any information without consent to 3rd party and non-affiliated services. XXXX XXXX is co-owned by XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. 

This also violates my privacy under the Family and Privacy Act of 1974. You can not report any personal information without my consent. 

The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. 

XXXX XXXX will not allow me to opt out of their services. per USC 15 sections 6802 to 6805 I am able to opt-out if any such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never given an option or educated on XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate and fraudulent information on my credit report. I did not give them written instruction to report anything and I opt out of any further reporting. This company has never had my permission to report anything on my behalf, and they are violating my rights as a consumer. This is aggravated identity theft. I never gave this company my information to report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. These reports were lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information as contained on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

DEPT OF EDUCATIONXXXX - XXXX There is not a single late remark on this account. Please update this to positive. This is unfair and unlawful. 

DEPT OF EDUCATIONXXXX - XXXX There is not a single late remark on this account. Please update this to positive. This is unfair and unlawful. 

XXXX XXXX XX/XX/XXXX- XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XX/XX/XXXX- XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XX/XX/XXXX- XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Inaccurate Late Payment Reporting on Account Number XXXX with XXXX XXXX ( XXXX XXXX ) To Whom XXXX XXXX XXXXncern, I am writing to address a discrepancy between the information provided by XXXXXXXX XXXX ( XXXX XXXX ) and the late payment records reported by XXXX, Equifax, and XXXX on my credit report. According to the credit bureaus, my account number XXXX experienced late payments in XXXX and XX/XX/XXXX and XX/XX/XXXX. However, after conducting an investigation, XXXXXXXX XXXX XXXX XXXX XXXX ) has confirmed in their letter addressed to me that my account has not been reported as delinquent to the credit bureau agencies listed over the last 24 months. 

Given the inconsistencies between the information provided by XXXXXXXX XXXX ( XXXX XXXX ) and the credit bureaus, I am concerned about the accuracy of the late payment records on my credit report. I understand that the credit reporting agencies have investigated these accounts and have deemed them verified. Nevertheless, the presence of inaccuracies on my credit report raises questions about the thoroughness of the investigation. 

As a consumer, I am entitled to know the steps taken by the credit bureaus to ensure the accuracy of the items in question, as outlined under 15 U.S.C. 1681i ( 7 ) Method of Verification - Description of Reinvestigation Procedure. I kindly request a detailed description of the reinvestigation procedure followed by your agency, as well as any documentation used to verify the late payment records on my account number XXXX. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require further information or clarification. 

Sincerely, XXXX XXXX
Product: Mortgage

I am trying to get a modification and have submitted all of my documents 2 weeks ago but it still shows that I need to submit documents and does n't seem like anything is moving. When I call they keep telling me 7 days or 15 days etc.
Product: Checking or savings account

Hello and good afternoon my name is XXXX XXXX on XX/XX/ i reported to the bank citizen that were 33 transaction that i didnt recognized however they make a claim report with case number XXXX. I received a letter from the fraud department that they are going to closed my account on XX/XX/. They just want my account to be close because they dont want to be liable for the fraudalent transaction that were made. I did not make this transaction period.. i havent recieved no credit for this 33 transaction.. i hope you guys help me resolve this issue otherwise i will sue the bank for stealing my money.
Product: Credit reporting or other personal consumer reports

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, Experian, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following Violation of the Fair Debt Collection Practices Act I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit.
Product: Credit reporting or other personal consumer reports

I opened a checking account with XXXX XX/XX/XXXX deposited XXXX checks into my account they were still dated and I didnt even know that was a thing. All XXXX checks went through and cleared, XXXX was paid by XXXX XXXX XXXXXXXX on XXXX. However the system flagged XXXX of the checks for {$12.00} as being stale dated so XXXX closed my account froze all my funds and refused to provide me with any information. I have called XXXX probably over XXXX times only to be told they can not give me any information. The paychecks are from my employer who Ive been employed with for XXXX years, XXXX has received the funds from XXXX XXXX XXXX. Theyve called my employer to verify my employment yet with all this verification they still wont release my funds, and on top of that they have now reported that I committed fraud to the XXXX major credit bureaus so anytime anyone runs my credit. It shows that Ive committed fraud when that is the furthest thing from the truth ever they wont give me any information of who I can call to figure this out to fix this still to this day they have not sent me XXXX single piece of mail email or anything to help me fix the situation or to even tell me whats going on. Ive only found this much information out after hours and hours of begging people on the phone to help me but bottom line. No one has helped me do anything so now Im out all of my money theyve closed my account and now I have fraud on my credit whenever XXXX out of those XXXX paychecks they said are fine but theyre all from the same timeframe. This is ludicrous. Can someone please help me. XXXX is the absolute worst. They dont care about their customers at all and it truly shows. Ive proved my innocence to them time and time again and they dont care. Bit its ok because XXXX always prevails in the end and all I can say is XXXX employees may XXXX have mercy on all of you!
Product: Credit card or prepaid card

Bank of America has removed the ability to pay your credit cards with external bank accounts. This took several frustrating attempts to add an account only to have an error message saying " this ability is coming soon. '' Reaching customer service took forever, even as a preferred member. Absolute disgrace.
Product: Debt collection

I received notice from debt collector, PayCourt, on XX/XX/XXXX indicating that I owe a court fee from XXXX county, IL for a traffic violation from XXXX. I looked up the court case and it is under a different name, XXXX XXXX XXXX. This individual is not me, nor is this person related or known to me. 
I responded to PayCourt on XX/XX/XXXX, indicating that they have the wrong individual. I then received another email on XX/XX/XXXX, again trying to collect on this debt. 

I am not sure if this is a legitimate debt collector that just has the wrong individual or if this is an attempt at fraud. 

Emails with details attached : XX/XX/XXXX email and response XX/XX/XXXX email XXXX Court Case showing case is not mine
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Previous Address ( es ) XXXXXXXX XXXX XXXX XXXX XXXX  NC XXXXXXXX XXXXXX/XX/year>
Product: Debt collection

On XX/XX/2019, The Corporation/LLC Certificate of Good Standing for the state of Illinois shows that CMRE Financial Services , Inc. is not legally able to collect in the state of Illinois as they are in not good standing per the website. I am disputing the debts reported on my credit due to no valid license for CMRE to collect in the state of Illinois.
Product: Debt collection

Dear to whom it may concern : I recently pulled up my Transunion report and I noticed a derogatory remark on there.

Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( 3 ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy.

If such notice from theconsumeris made by mail, notification shall be complete upon receipt.

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more.

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below.

Im giving your company 15 days to respond to this matter.

Failure to respond to this matter will result in legal actions pursued against your company.

I demand that the following account be validated or DELETED immediately : Original Creditor : XXXX XXXX Account Number : XXXX Debt Collector : XXXX XXXX XXXX XXXX Best Regards, XXXX XXXX XXXX XXXX