23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I placed a stop payment ONLINE with Chase Bank. The check number is # XXXX and the amount was {$130.00} I placed the stop payment XX/XX/17 and paid the {$25.00} fee. 

Chase changed the check number on the account to # XXXX so they could get around the stop payment. My bank statement says they cashed check # XXXX, but the check returned to me still say # XXXX. I dont understand how that can be, and CHASE refuses to give me an explanation. First they blame the other bank, then they say I did not contact them soon enough. 

Now they say the reason why they cashed the check is because I had a XXXX amount for the check amount when I filed the stop payment online. However, it is impossible to do a stop-payment online at CHASE without a check amount. THey are lying to me and committing fraud in covering it up. I am stunned!
Product: Credit card or prepaid card

I was charged {$12.00} for an account maintenance fee however Aspire re-opened my account after I filed my last Complaint because they closed my account in their error. My account was reopened however Aspire failed to actually activate my current credit card therefore I haven't had access to use the actual Aspire credit card for the last 30 days. I called and spoke with the CSR and she stated even though she sees that I didn't have access to the card for over 30 days she could not waive my {$12.00} account maintenance fee. 

I was also charge a {$60.00} annual fee however due to Aspire closing my card for over 60 days at no fault of my own. I have not continuedly had the account for the last 12 months again due to no fault of my own.
Product: Student loan

What I reported to XXXX : To Whom It May Concern, I am writing to formally report a violation of my privacy rights concerning my student loan information. My personal and financial information was compromised without my authorization, which constitutes a breach of confidentiality and a direct violation of multiple federal laws protecting student records and personal data.

The Family Educational Rights and Privacy Act ( FERPA ) ensures the confidentiality of student records, and this breach represents a clear violation of my rights under this law. Additionally, the Privacy Act of 1974 establishes a code of fair information practices governing the collection, maintenance, use, and dissemination of personal information by federal agencies. The unauthorized access and potential misuse of my data directly contradict these protections.

Furthermore, Higher Education Laws and Policies exist to safeguard future borrowers from improper data sharing and unauthorized access. Allowing a third-party entity, specifically Elon Musk , to access and use student loan data without proper authorization is a severe breach of these legal standards. This unauthorized access not only jeopardizes my financial security but also sets a dangerous precedent for future borrowers. 

Given the severity of this breach and the compromise of my personal and financial information, I demand an immediate investigation into this matter. I also request the full cancellation and discharge of my student loan due to the mishandling of my data, which has resulted in a significant breach of my privacy rights. 
I expect a prompt response detailing the actions being taken to address this issue and ensure that such breaches do not occur in the future. Please confirm receipt of this complaint and provide me with updates regarding the investigation and resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Office of the CFO Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Regarding Experian 's Non-Compliance and Inaccurate Reporting Dear Sir/Madam, I am writing to formally bring to your attention an issue regarding Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ) and their inaccurate handling of my credit report. I have reviewed the CFPB 's recent lawsuit against Experian, and my own experience aligns with the concerns raised in that case.

Specifically, Experian is inaccurately reporting a {$17.00} balance on my XXXX credit card account. This information is false, as I pay off my balance in full each month, maintaining a {$0.00} balance. To support my claim, I have sent Experian all necessary documentation, including payment records, proving the account is paid as stated. 
Despite this, Experian has failed to correct the inaccurate information on my report. Their failure to investigate and properly update my account information is not only a violation of their obligations but also harmful to my financial standing. 
I respectfully request that your office ensures Experian rectifies this inaccuracy immediately. Please ensure that the correct balance of {$0.00} is updated on my credit report without further delay. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution. Should you require any additional documentation, I will be happy to provide it. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

EXPERIAN : 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My information was stolen and used to open several accounts in my name. I have asked the collection agency to removed the inaccurate information and nothing has been done. 
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

I recently obtained a copy of my credit report and noticed that i have some hard inquiries that i did not authorize. 



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

My name is XXXX XXXX, my date of birth is XX/XX/1999, my credit reports for XXXX, XXXX, and XXXX show differently. In addition, there were several accounts opened before I was and adult and they should be removed. These accounts are in collections with LV funding, XXXXXXXX XXXX XXXX XXXX. I never charged anything on those accounts. I would like them removed and my birthdate corrected.
Product: Credit reporting or other personal consumer reports

I submitted disputes on XX/XX/year> and XX/XX/year> instructing Equifax to provide to me the procedure used to verify the XXXX account on my credit report. They are in violation of the FCRA, because they are simply putting a note in the comments that says they reverified with the creditor without providing any explanation beyond that. The procedure used to verify is a requirement. This account can not be legally verified otherwise. The account should be deleted based on FCRA violations and failure to provide procedure used to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have requested actual proof of ownership, proof of contract from XXXX XXXX / XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX Taking assignment of Debt ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. ( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. I believe all these are inaccurate and is in violation of both FDCPA and FRCA.
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. 

Also Known As : XXXX XXXX Current Address ( es ) XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

Company has consistently been calling me. They have contacted multiple family members without permission and will not stop
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my XXXX credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft. FRAUDULENT ACCOUNTS : CB INDIGO/GFXXXX - more than {$700.00} collection reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - more than {$700.00} collection reported to XXXX I have reported these fraudulent accounts to the companies listed above, requesting credit validation, debt validation, or anything they can provide me to prove ownership. It has been years, and I am still fighting with these fraudulent companies to REMOVE such collections because I DO NOT OWN or OWNED THESE ACCOUNTS. I am still waiting to receive a collection letter, debt notifications, credit card account, information of such, or anything to let me know I was getting reporting to collection agencies to allow me to challenge such with proof of my identity. I am also submitting an Identity theft report and evidence of my identity, and I request these companies to stop damaging my reputation and to remove such fraudulent items from my credit report with XXXX. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. I appreciate your prompt attention to this matter and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from XXXX XXXX ACCT. NO. XXXX. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt.

7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit card

On XX/XX/year>, I applied for the Home Depot consumer credit card. Their website states, " See if you prequalifyNo impact to credit score. '' I decided to get prequalified and received a message that they couldn't get my credit report because it was frozen. They advised me to unfreeze it and call back. I did exactly that. When they went on to inquire about my credit report, they told me I was denied. I later found out that the reason was because of an issue with my address. I tried to correct the issue to get approved, but they have been unwilling to help with the process. My main issue is that they did a hard inquiry on my credit report and took off XXXX points when they clearly stated, " First, find out if you pre-qualify for The Home Depot Consumer Credit Card. This will not impact your credit score. If you're pre-qualified and accept the offer, your credit score may be impacted. '' As I mentioned before, I was not pre-qualified, nor did I accept any offer that would give them a reason to take XXXX points off my credit score and make a hard inquiry that I never agreed to.
Product: Credit reporting

Disputed XXXX incorrect collection accounts, XXXX and XXXX, and requested the erroneous accounts be removed. Credit Bureau has not removed accounts.
Product: Money transfer, virtual currency, or money service

So, I sent {$500.00} via CashApp months ago to another user in order to purchase a camera that was being sold through XXXX XXXX. Before sending the money, I verified all the information I received from this person. Everything matched so I felt secure in sending the money. I did and, a week later, I found myself without the camera I purchased so I reached out to CashApp Support. They told me that I had to go through my bank which I did. After a month or so, I was told by XXXX XXXX that they couldnt credit me my {$500.00} because CashApp fought them tooth and nail not to even though the card that was used to make the purchase was indeed my personal debit card. I reached back out to CashApp to find out why and all that was said is that theyll agree to fully cooperate with my bank which made no sense at all. XXXX XXXX had already closed my claim.
Product: Credit reporting

Equifax will not lift unfreeze credit report for ID theft victim without payment of applicable fee. 

I mailed Equifax a notarized ID theft victim affidavit and declined to go to the police. I asked that my credit report be frozen. I am now asking it be unfrozen, however Equifax is demanding a {$5.00} fee. 

Since I am a identify theft victim, I decline to pay the fee and want my report unfrozen free of charge as per state law. 

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

I have sent everything certified mail as well. 

XXXX is in clear violation of the FCRA law under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : a ) In general- Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

FCRA 15 US Code 1681a- Rules of construction : ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE the account above from my consumer report, this agency is in violation of 15 USC 1681a Failure to respond with deletion of the above referenced account, and send out a free copy of my updated report after the changes have been made will result in legal action being taken against your company, for which I will be seeking {$1000.00} per violation for : XXXX. Deformation of Character. 
2. Neglect meant enablement of identity fraud. 
3. Fair debit collection practices act 15 USC falsifying violations 4. Fair credit reporting act 15 US C 1681n violations for Civil liability for willful noncompliance
Product: Debt collection

I have tried repeatedly to contact this company, I've constantly got transferred amongst agents that still couldn't assist me with the information I was inquiring about. This account is unfamiliar to me and I have disputed this account a numerous amount of times from all reporting agencies! This company has tarnished my credit due to an unrecognizable account.
Product: Credit reporting or other personal consumer reports

The company is reporting information without my consent. According to FCRA section 605B it is illegal to report information on my credit report without my permission please remove the following items. Thank you XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX our lender, XXXX XXXX XXXX XXXX, requested that we send {$38000.00} for an insurance escrow shortage. This was a legitimate request. We then wired the funds using the instructions that were provided to us. The funds were wired to Truist Bank on XX/XX/2024. When we asked if the lender received the funds, we were told that they did not. After looking into it further, it was found that the instructions sent to us were altered and were not sent by XXXX. This ended up being a fraudulent scam of some sort. When we contacted Truist about the fraudulent wire a representative of the branch it was sent to mentioned that the funds had already been taken out, sent somewhere in XXXX XXXX, and the account was closed. When this person was asked if the beneficiary on the account was XXXX XXXX XXXX XXXX, they stated that it was not. This financial institution did not do their due diligence and has failed to follow UCC 4A-207. Our financial institution, XXXX XXXX XXXX, has been diligently working to have this issue resolved but Truist has failed to provide any assistance. These funds should have never been accepted since the account number did not match the beneficiary 's name.
Product: Mortgage

I am in the process of refinancing a property I have inherited. I am trying to save the property from going into foreclosure. My Lender has reached out several times to request the Payoff Demand from PHH Mortgage and is getting the run around. My XXXX XXXX : XXXX. I also find it strange that I have not been receiving monthly statements. Please look into these matters. Thank you!!
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally dispute an incorrect address that appears on myEquifax credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and may lead to potential confusion or misrepresentation of my credit information. 
Incorrect Address : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report may affect the accuracy of my credit file. 

As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter. 

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

Sincerely, XXXX XXXX