23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I issued a wire from my Wise account to my local business account. The wire was rejected by my local bank on XX/XX/XXXX ( due to incomplete information ) and returned to the sender ( Wise ). I reached out to Wise. Wise issued a recall on the money on XX/XX/XXXX and told me it would be between 1 week and 1 month for the money to find it's way back in my account. It is now XX/XX/XXXX and the money has not yet been returned and I'm not sure they're doing anything to get it back. The amount is {$6500.00} USD.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Mortgage

Agreed to fixed rate APR ( HELOC ). Loan Payment Amount and Fixed APR were correct until the Sale of Loan to new Lender. APR changed from fixed to Variable by new lender in addition to new fees and loan servicing costs. Called Lender to report incorrect loan information. Lender stated they did not underwrite loan and to contact original lender for clarification. Called original lender who stated not able to help b/c loan is not serviced by them and access is restricted and to resolve with current lender. Within +\- 30 Days after reporting to current Lender, the Loan was sold again. Upon receiving this information I called the new Lender who stated they werent the Original Loan Company and have no records of inquiries or discrepancies made on this Loan. This Loan transaction was recorded by the original lender at the time of agreement. It outlined the Loan details ( Fixed APR, Loan Length, Amount to Close, Next Steps, etc ) for documentation purposes. I was required to state my name, date of birth, and reply to questions with a yes/no response.
Product: Credit reporting or other personal consumer reports

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

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

Transworld Systems Inc has been contracted by XXXX to collect a debt. It was an issue with XXXX having XXXX separate accounts, of which we were unaware. It was corrected and resolved with XXXX, the service provider on XXXX/XXXX/2016 as confirmed verbally and on their website. 5 weeks later we get another letter from Tranworld demanding payment. Furthermore and THE ACTUAL COMPLAINT : on the bottom of the letter there is the disclaimer of their fair practices ; it gives the web address to file a complaint. However, that web address is a dead-end unless you have already received a letter from them with a special access code. So, they clearly are trying to run-around the fair practices law by making it nearly impossible to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to  any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year XXXX XXXX has reported to Credit Agencies that I have went over the credit limit. It is false and they have not fixed the error and it is affecting my credit score.
Product: Credit card or prepaid card

In XX/XX/XXXX, I opened an account with Care Credit. After using it the first time, I made arrangements for autopayments. I was advised in an email that I would receive monthly statements. No monthly statement was ever sent, either to my email address at the time ( XXXX ) or my current email address ( XXXX ). Oddly enough, I have always received solicitations to use the card or otherwise increase the balance. Because I naively assumed that making the payments in good faith and in reliance upon their promise to send monthly statements, I was unaware that my promotional offer had ended and interest would be retroactively charged. When queried, I was advised by their consumer representative that that information was on the statements. This is a scam. They don't live up to their end of the bargain, assuming people will forget about the change in terms when they don't get a monthly statement, and then be socked unwittingly with ridiculous interest charges. I objected and continue to object to the interest charges. I paid the remaining balance of the principal ( {$1100.00} ) on XX/XX/XXXX and advised Synchrony Bank ( the issuer ) that I will make no further payments pending resolution of this matter and their unfair consumer finance practices.
Product: Credit reporting or other personal consumer reports

IN 2019 MY PURSE INCLUDING MY PERSONAL INFORMATION WAS TAKEN FROM A EVENT. ON SITE AUTHORITIES WERE NOTIFIED. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I ALSO SEE SOMEONE ATTEMPTING TO ACCESS LINES OF CREDIT IN MY NAME, THERE ARE INQUIRIES FROM CREDITORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I HAVE NOT GIVEN ANY CONSENT FOR THESE. I CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION AND HAVE YET TO RECEIVE A FORMAL RESPONSE MAKING THESE ACCOUNTS UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY, AND I HAVE NOT GIVEN ANY WRITTEN CONSENT WHICH IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS TO MY PROFILE IN RESULT TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Product: Mortgage

My aunt had a reverse mortgage she started paying it back she passed more then two years ago and then this people came and said we have two weeks we have the deed but they don't tell us how much was owed. They are fraud. There stealing a house iam not even sure if it was a reverse mortgage .. then it says that it was foreclosed and that they bought it from the auction .. also it says the bought it from my aunt whit the date they put on there was 2022 she had passed already
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and I have rights that covers me under 15 USC 1681.

Equifax is governed by 15 USC 1681 and my rights have been violated numerous times. I demand the accounts listed below to be removed.

Based on 15 USC 168 : I have the right to privacy and I did not give Equifax the right written permission to furnish these accounts. 

Delete these accounts below : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( s ) # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have received a collection notice for {$110.00} from Tate & Kirlin Associates Inc. of XXXX, PA. The Current Creditor Listed is XXXX XXXX. Reference # XXXX. The notice is dated XXXX XXXX XXXX, and was received on XX/XX/XXXX. 

I have received calls alleging tht I owe for a " XXXX XXXX, '' which I had never requested, nor received, nor has anyone else in my household. I have no record of any contract with this company, nor have they provided one. I also had never received an invoice, " past due '' notice or even an email. The collection notice was the first and only mail I have received.

The closest thing that I have received is a Fraud Alert from XXXX XXXX  on XX/XX/XXXX. 
Below is a copy of that alert, name and card number redacted : -- -- -- -- -- -- - Action Needed : Please confirm activity XXXX  Fraud Protection Services : XXXX debit or ATM card ending in [ # # # # ] [ name ] Did you or someone you authorized use your XXXX  debit or ATM card for : A transaction of {$110.00} that was declined at a subscription merchant INTRAPOWERBREAKTHROUGH in XXXX, CA XXXX on XX/XX/XXXX -- -- -- -- -- -- -- Aditionally, cursory Internet research indicates less-than-exemplary reputations, with a number of claims of unethical, possibly illegal activities against them. I am not qualified to make such a judgment, but it seems prudent to proceed with caution! 

All this leads me to believe that an attempt to perpetrate fraud is being attempted. Your attention to this is greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had a freeze for many years. Everytime, ( yes, all three times I've removed it ) Transunion confirms that its lifted, only to continue to tell merchants its NOT. I have to call and hold for long times to get someone to confirm it was lifted. Once I do that they lift it. I believe this is intentional harrassment of people who freeze their credit. Either that, or they are totally incompetent at managing freeze lifts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, how are you sending this complaint by this means and have tried to remove the fraud alert from my credit report, they asked me to send my documents to verify me and remove the alert I sent my DOCUMENTS more than 20 days ago and they still do not receive them  I want to send my DOCUMENTS through this complaint thanks.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND attempt to try and fix these issues with this company and I have yet to hear anything back in the mail and they are still reporting the inaccuracies after Ive mailed in pointing out the reporting errors made.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute against my credit report, leaving inaccurate or unverifiable account unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify customers of disputes outcomes. These failures to align with my experience, where XXXX has neither corrected nor removed disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Student loan

On XX/XX/XXXX, I received an " income reconciliation result '' for my 3 income share agreements. On XX/XX/XXXX, I was billed for underpayments owed to a total of {$2100.00}. I believe this is an error. 

I graduated from graduate school in XX/XX/XXXX. My 6 month grace period would have been up in XX/XX/XXXX, but when I didn't receive a bill, I sent a message on XX/XX/XXXX to see why payments hadn't started yet. I received a message back on XX/XX/XXXX to say that my payments would be starting. 

I have since made the following payments : XX/XX/XXXX - {$160.00} XX/XX/XXXX - {$160.00} XX/XX/XXXX - {$160.00} XX/XX/XXXX - {$160.00} XX/XX/XXXX - {$160.00} XX/XX/XXXX - {$170.00} XX/XX/XXXX - {$170.00} XX/XX/XXXX - {$170.00} Even if I should have been paying the {$170.00} for the entire time, and if I am being charged for the payments for XX/XX/XXXX and XX/XX/XXXX, it does not add up to the amount charged of {$2100.00}. I believe I am being charged for the entirety of XXXX, even though I was in full-time school from XX/XX/XXXX - XX/XX/XXXX and then had the 6 month grace period. 

I messaged on XX/XX/XXXX to ask about what the " income reconciliation result '' meant and for a deeper explanation of it, and I received a message back on XX/XX/XXXX that did not answer the question : " Hello, Yes of course! Your annual income is over the {$20000.00} annual threshold for your account. Therefore, payments are generated and due each month. Please reach out with any other questions. Thank you, Launch Servicing Team ''. 

I sent another message on XX/XX/XXXX, including part of my income share agreement stating that no bill should be greater than 15 % of my income. I have not received a response. It was after this that I realized I was being charged for payments that I did not need to make.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the Department of Education 's databases. 

On or around XX/XX/year>2025, I became aware that individuals associated with XXXX XXXX, who are neither school officials nor authorized representatives, accessed databases that include my personal education records without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or subject to audit. I did not provide any authorization for such access, and I believe this constitutes a violation of my FERPA rights. The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

respectfully request that your office investigate this matter and take appropriate action to ensure my personal Information remains protected. Please provide me with any relevant findings, corrective actions, and steps I can take to prevent further unauthorized access to my records.

The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.
Product: Credit reporting or other personal consumer reports

It has been 2 months since I have sent a dispute with a notice to opt out of reporting my nonpublic information on my consumer report and I have yet to receive a response. This is why I am submitting a complaint today. Per 15 USC 6802 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal to report the following accounts on my consumer reports. Account # ; XXXX, XXXX, XXXX. As you are a financial institution, I demand that these accounts are removed from my reports permanently. As federal law dictates, I the consumer can revoke consent at any time and of course it can be specified. If you do not believe that you must abide by this law, I will reference your XXXX and/or XXXX forms from SEC filings.
Product: Checking or savings account

I opened an account they would close my account this happened multiple times I deposited a check never got the check back or the funds