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

XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Formal Dispute of Student Loan Obligations and Demand for Immediate Cancellation To Whom It May Concern, I am writing to formally dispute the student loan obligations associated with Natachia W. Savannah Randles , as held by MOHELA. This dispute arises from serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ) and the Higher Education Act.

It has come to my attention that my personal, educational, and financial information has been improperly accessed by unauthorized third parties, including but not limited to XXXX XXXX and affiliate entities. This unauthorized access to my confidential records constitutes a flagrant violation of my federal privacy rights. As such, it nullifies any enforceable loan agreements under federal law, and I hereby demand the immediate cancellation of all financial obligations related to these debts. 
Given the severity of these violations, I expect a prompt and thorough investigation into the circumstances of this breach, along with the immediate cessation of any attempts to collect on these loans. Under the circumstances, I also request written confirmation that my federal privacy rights have been restored and that all related loan obligations are rendered null and void. 
I look forward to your prompt resolution of this matter and expect confirmation of cancellation within 30 days of this letter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Vehicle loan or lease

I cosigned the lease with husband for Hyundai XX/XX/XXXX and they took car back XX/XX/XXXX, because we couldn't make payment. 
He filed bankruptcy, I didn't. 
My credit is bad and have problem to get a loan and a credit card. 
I called the Hyundai finance they asked me to pay {$5000.00}. 
If I have that much money on hand I wouldn't suffer like now. 

Please help me.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous entries from my credit history. Can you review the paperwork? Certain entries are flawed in terms of reporting accuracy, including erroneous amounts and dates.
Product: Credit card or prepaid card

XX/XX/23 I received XXXX earbud in the mail. I did not order them. I was confused, and called XXXX. I told a XXXX agent that I was concerned that this could be related to fraud. The agent essentially dismissed my concerns, suggest a friend might have sent the ear buds as a gift, and that everything would be resolved. She told me " just to keep the headphones ''. I still have them, and have never used them. 

Shortly after, another statement arrived in the mail. The charge for the headphones, and other items, were on the bill. The charges totaled almost {$3000.00} dollars. Since XXXX. The charges were placed on a XXXX XXXX account issued through TD Bank. 

I've filled out three appeals via fraud report forms through TD bank, starting in XXXX. I have filled out a police report, and found that two phones were purchased using this card, by someone other than me. These two phones were picked up, back in XXXX, at two different XXXX XXXX locations ( XXXX, NJ and XXXX, NJ ). I have never been to either of these XXXX XXXX 

Despite spending hours on the phone with XXXX and TD Bank Card Services, filling out three separate fraud report forms for TD Bank, I was denied, and the case has been closed, according to TD Bank. I am now on the hook for over XXXX dollars worth of charges that I never made.
Product: Mortgage

I was in a COVID forbearance and when it ended I was told I could apply for a modification or a repayment plan. I submitted all the paperwork but was denied bc the lender does not allow more than one modification on the loan, and i previously had a modification, prior to COVID. When my state shut down and everything stopped working, I had no choice and was offered a forbearance. Now that it is over, the lender wants all the money, and refuses to offer any repayment. That is very unfair and not what I was promised. I submitted a new package for review and I am attaching the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of some accounts that were opened in my name without my permission. I found out about these accounts today XX/XX/20 because I got my credit ran since I am trying to buy a house. The real estate agent I'm working with told me I would not qualify for the home loan because of all of these accounts reflecting badly on my credit. I looked through each account and none of them are mine. I did not open any of these accounts and I have never allowed anyone to open any account in my name using my personal information. I have no idea who could have opened these accounts without my permission but I have already filed a police report. I do not have any written/verbal contract with any of these companies nor did I benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I also filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Money transfer, virtual currency, or money service

I opened an account with Gemini Trust Company to buy crypto currency on XX/XX/2021. I was able to buy {$500.00} worth of crypto. Now I can't withdraw my money, buy, or sell any of my crypto. I've emailed Gemini Support. It's been over a month and I still haven't talked to anyone to have the problem resolved. At this point I just want my money back from Gemini.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THIS ADRESS ON MY CREDIT REPORT.
Product: Credit card or prepaid card

I disputed a fraudulent charge for {$800.00} and was credited a balance credit on XX/XX/2022. There has been no update whatsoever, and they wont tell me whats going on. Goldman Sachs is the issuer and the card is the Apple Card. 

The disputed amount was used with the card numbers in the app. I filed a police report and Goldman Sachs has not responded to anything. This is absurd.
Product: Credit card or prepaid card

I returned a rental car on XX/XX/22. On that date I was charged {$500.00}. I reported that as unauthorized. I was told in detail that they were going to investigation that charge ( told me to be on the look out for a letter from their company if they needed follow up information on the dispute, etc ). Nothing was done for months. I called again, they acted like I had never made a dispute and apparently started one for the first time. I told them there was no damage to the vehicle that I was liable for and if there was damage I had received no estimate for receipt for the damage. The credit card company, XXXX store credit card, said they investigated it and determined it was an appropriate charge. I followed up with the rental car company and they told me it was not authorized, kept in mistake, apologized and refunded the {$500.00} to our card. Based on this, it is clear to me that the credit card company lied when they said they investigated the charge and found it to be an appropriate charge. It appears they did nothing but rubber stamp the charge with no investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about my credit score. The two companies are Transunion and XXXX. I have established and maintained outstanding credit for over 30 years. I 've paid off 8 houses ; bought and paid for several vehicles, appliances. Credit card usage is only 7 %. Otherwise, no problems except one. I have and outstanding collection in the amount of {$250.00}. By the way the collection is in dispute. Currently my credit scores are XXXX and XXXX respectively. As you are well aware, these scores are rated fair at best. Also, any loan available to me are at a much elevated interest rate. I spoke to one of the companies today. I voiced my concerns. Number one, the person on the phone was unquilified and unable to help me get to the bottom of my complaint. Number two, I asked to speak to a supervisor but was refused. The refusal, I bilieve, was because the person on the other end of the phne was sitting in a call center in XXXX. The crux of my complaint is agencies that collect and report all my financial activity assigns a score that is religiously used by lending institutions. The methodology they use is unregulated and subjective. It suppose to represent an individuals tendency to repay. my track record is stellar. Yet, with a minor deviation I am placed in a high risk pool. Somebody needs to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This car account I had with XXXX XXXX. There was a car accident and the car was totally lost. Cars in XXXX XXXX have insurance and they paid the bank. 

Despite this payment and the debt was settled. XXXX XXXX XXXX  has my account in Charge Off on my credit. 

And this prevents me from buying my house.
Product: Credit reporting or other personal consumer reports

I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to urgently demand the prompt removal of all fraudulent personal information, accounts, and transactions that have been wrongfully associated with my identity without my knowledge or consent. I have recently become a victim of identity theft, which I have reported to the proper authorities. The presence of this inaccurate data on my credit reports is causing me severe financial hardship and reputational damage. 

As a well-informed consumer aware of my protected rights under the Fair Credit Reporting Act, I insist that you expeditiously remove and block any fraudulent, inaccurate or misleading items that have been illegally included on my credit reports. The unauthorized use of my personal information to open accounts or conduct transactions to which I did not provide explicit consent is unlawful. 

I formally request that your organization conduct a thorough investigation and permanently delete any fraudulent listings from my credit file within XXXX ( XXXX ) business days of receiving this certified notice. I have enclosed supporting documentation, including an identity theft affidavit and police report, to aid your verification process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, On XX/XX/2021, I reached out to TransUnion about my unauthorize credit inquiry and they did not remove them from my credit report according to the FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify. They did not give me any response. I demand to see the Verifiable Proof an original Consumer Contract with my Signature on it on and they did not show me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Im writing to address a concerning issue regarding my credit report. It has come to my attention that an Hard inquiry from Carvana LLC has been listed on my report without my authorization, and upon reviewing the matter, I believe that XXXX has not adequately investigated this inquiry. 
I request an immediate removal of the unauthorized inquiry from my credit report, and a thorough investigation to rectify this violation of my rights. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my wife and I attempted to make a small purchase at XXXX when our card was declined due to insufficient funds. We immediately went home to call the bank where we learned that there had been fraudulent activity in the first couple of weeks in XX/XX/XXXX. We then file a claim with the bank for the XX/XX/XXXX fraudulent charges. Upon further conversion with the bank technician, recognizing that there were at least 4 fraudulent charges in XXXX, she asked if this concluded our claim. I advised no, because we did not have online access we would need her to send us a means to reset our access so that we could go online and then determine if any other fraudulent charges had occurred. At that point we reset the password went online and discovered numerous more fraudulent charges dating back to XX/XX/XXXX. The culprit continued to use the card off and on for 3 months. During that time we chalked up our low account balance to holiday spending and travel, even taking out a loan of {$1000.00} due to our low funds and not knowing that all the while someone had compromised our card. 

The vast majority of the purchases occurred at stores that we do not do business with, that are not in our city of residence and most being gas stations that we never do business with. In one day my card was used at 5 different gas stations and yet NetSpend never saw that as being out of the ordinary. We reported the remaining fraudulent purchases to NetSpend having identified claims totaling {$1700.00} within 5 cities including and around XXXX. 

Weve filed a police report and provided it to NetSpend and the police report even includes a picture of the culprit. Who is not someone we know. 

A month later they have denied our claim stating that we used the card after reporting it stolen. That is not true as if we reported the card stolen prior to knowing in XXXX, NetSpend would have closed the card. Again, we did not learn of the fraudulent card use until XX/XX/XXXX, but that unauthorized use began in XX/XX/XXXX. 

What they are basically telling us is that you think we willing committed bank fraud over {$1700.00}. Do you really think my wife, who has an XXXX  XXXX  XXXX, and myself would risk jail time over {$1700.00} We are sickened by this process and the lack of communication from NetSpend. We have filed multiple complaints with the XXXX XXXX XXXX and Texas Attorney General Office regarding this issue and the treatment we have receive from NetSpend. 

We've included a spreadsheet with charges, dates and totals for the fraudulent use of our card.
Product: Credit reporting or other personal consumer reports

In XXXX with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A 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 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the reporting agency.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured credit card with XXXX XXXX XXXX on XX/XX/2021 with an initial deposit of {$200.00} On XX/XX/2021 the account was closed with a balance of {$30.00}. I spoke to a representative on the phone to use the deposit to pay the remaining {$30.00} and refund me {$170.00}. I never got the check! The amount was never applied to the balance! It has continued since XXXX to accumulate interest and fees and report negatively on my credit report. They have it listed as delinquent and unpaid when the only ones who are delinquent and havent paid is them. They have had {$200.00} of mine for the deposit this whole time that they never returned to me! So this account should be paid and full and should of been in XXXX when I asked it to be. I have disputed the information on my credit reports and provided the same information to XXXX, XXXX and experian and they verify it as accurate when its not
Product: Debt collection

I diputed the debt with Midland credit management and requested for validation but no proof rcvd till now I again diputed through XXXX but no resolution I got
Product: Credit reporting or other personal consumer reports

The FCRA XXXX regulation necessitates the deletion of any erroneous records from my credit report. These records misrepresent my credit standing. I am entitled to {$1000.00} for each such erroneous record on my credit history.
Product: Mortgage

My name is XXXX XXXX and I had my mortgage thru Select Portfolio Servicing. My XXXX unexpectedly passed away XXXX years ago and it has been a struggle to pay my mortgage ever since. I contacted Select to discuss a XXXX XXXX Pay. I was advised that this was an option and I needed to write a handwritten letter, provide proof of funds and make an official offer to payoff my mortgage. I owed approximately {$160000.00} at the time. My first offer was {$120000.00} and I was advised to make another offer. We asked Select to advise what amount we should consider, however they would not. I offered {$120000.00} and this was rejected. Select was contacted again and we were going to make an offer of {$140000.00}, however I was advised that since my home appraised for {$210000.00} and I owed only {$160000.00} XXXX approximately ) that a the full amount is all that would be accepted. Select recorded all phone conversations discussing this mortgage. I paid off the full amount after being advised this. This process took several month all along Select was collecting approximately {$1300.00} per month in interest on my mortgage. I have limited funds and am trying to pay off all my debts accumulated since the loss of my XXXX. I feel this practice was deceptive as if there was no intention of taking less than the full amount owed that should have been advised immediately saving me months of interest. We originally borrowed approximately {$210000.00} in XXXX and have payed XXXX XXXX interest the entire time. After paying off this mortgage I have given select over approximately {$600000.00} on a {$210000.00} loan. During this entire process they have not assist, modify or work with me any way whatsoever on my mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXXXXXX ), a debt collector that is reporting a debt of {$220.00} to my XXXX credit report. 

This debt can not be verified, as every time I call XXXX to inquire about it, they have told me they would remove it from my credit report but have never followed through with that promise. The last time I spoke with a representative, they requested that I send them a copy of my credit report. This request is highly unusual and concerning, as XXXX is the one reporting this debt to the credit bureaus, and they should be the ones verifying its accuracy, not me. 

Additionally, I noticed that another debt collector, XXXX XXXX XXXX XXXX XXXXXXXX ), is also reporting the same debt with a balance of {$220.00} on XXXX, XXXX XXXX and XXXX XXXX which appears to be double reporting. I am unsure what this debt is for, and I have not received any documentation or paperwork pertaining to this debt they claim I owe.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report, I have inquiries that I do not recognize and even XXXX of them was closed by the bank itself but the inquiries are still there affecting my credit report : XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - XXXX XXXX. XXXX  XXXX XXXX - XX/XX/XXXX - XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX - Transunion XXXX. XXXX XX/XX/XXXX - Transunion XXXX XXXX XXXX  was notified by phone and the account was closed. 
XXXX was also closed and XXXX XXXX was notified that the credit card issued in XXXX is not with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account NameCHASE CARD Account XXXX Account TypeCredit Card Date Opened XX/XX/2009 I have disputed this account via XXXX  online dispute center and I feel as if the matter was not investigated correctly. I pulled a copy of my credit report on-line and found that they are reporting the following delinquent account that past the 7 year reporting time as allowed under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my SS is XXXX address XXXX XXXX XXXX XXXX OH XXXX. My 2 XXXX XXXX accounts were closed without any remedy or resolve and it cut off my life line in my business. I had a few of my employees and co-workers on my account as AUTHORIZED USERS, I originally asked to have all of them remove before my account was placed on permeate restriction status without remedy or resolve. My account is my financial responsibility and not the authorized users have zero responsibility XXXX XXXX is currently reporting negative information on all the previous Authorized users credit reports please delete/remove the following AU : XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX AUTHORIZED USER NO CARD XXXX XXXX ... XXXX AUTHORIZED USER
Product: Credit card or prepaid card

Kay Jewelers closed my credit account without notice 01/2017. There were no missed payments on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CarMax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are in Direct Violation of The Fair Credit Reporting Act ( Carmax & account # XXXX ), has violated several of my rights.

16 U.S.C 1681 section 602 A. Clearly states that I havo the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account Immedlately as you are in direct violation of several laws under The Fair Credit Reporting Act.