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

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 2. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXXXXXX XXXX 3. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2006 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX 6. The following personal information is incorrect Account Number : Employers : XXXX 7. I never gave written permission for this account to be on my consumer report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account. do not update. This account is not in compliance with 15 USC 1681 8. The following account is not mine XXXX Account Number : XXXX This is not mine. 
9. Date last active is inaccurate and the account is not reporting to XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account. do not update. This account is not in compliance with 15 USC 1681
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : [ Account ; XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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 inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

I sent letters to XXXX and Transunion and asked if they could send me copies of the documents used to verify the accuracy of the accounts on XX/XX/2023. XXXX and Transunion sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX or Transunion doesn't have any files to verify this account, nor will they delete it.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AND XXXX XXXX XXXX was never XXXX XXXX I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$1700.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Product: Credit card

I signed up for a credit card called fit issued by XXXX XXXX XXXX and monitored by continental finance. Upon activating the card i was informed my card was activated and my balance decreased by XXXX $ somewhere in Tennessee. On top of this, i am told there is hidden fees that was not disclosed upon the signing up of this card. I am an XXXX XXXX military personnel. The complications i have dealt with regarding this nature is a sincere disrespect to all the soldiers serving to protect this country. I am utterly disgusted.
Product: Credit reporting or other personal consumer reports

To : U.S. Department of Education Student Privacy Policy Office XXXX XXXX XXXX, XXXX XXXX, D.C. XXXX Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans 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 Governmental Entities ( 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 : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
3. 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 : 1. 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. 
2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
4. Immediate notification to all major credit bureaus ( XXXX, XXXX, TransUnion, 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. 
Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX bought out Simple banking and since doing the transfer I have been locked out of my account for 3 days not able to access any of my funds and I have bills due ... They have no customer service available and when they do they are hanging up immediately I need my money now and I will be closing my account ASAP.
Product: Credit card or prepaid card

XX/XX/XXXX - Capital One Credit Card deceptive and predatory practice relating to repayment for a cash advance On Thursday, XX/XX/XXXX I took a cash advance of {$650.00} from my Platinum Master Card with Capital One. 

Today I called to make a payment to Capital One for the full {$650.00}. I talked to two different Customer Service Representatives. They both told me I would have to pay off the entire balance of my credit card in order to pay off the cash advance, which is a much higher interest rate ( 26.4 % ), vs. my regular purchase interest rate ( 19.4 % ). 

First call to Capital One Customer Service : XXXX, XXXX XXXX  XXXX. I talked to a female. I told her I wanted to make a {$650.00} She she repeatedly insisted that I would have to pay off my full credit card balance in order to pay off the cash advance. I told her I did not think that was correct, and asked to talk to a manager. She put me on hold for about 10 minutes, and then the call was disconnected.

Second Call to Capital One Customer Service today : XXXX XXXX  XXXX. I talked to a male. I told him what had happened during the first call. He told me the same think as the first customer service agent. He also, apologetically told me, that the only way to pay off the cash advance amount was to pay off the entire amount owed on the account. Again I repeated my request and asked in several different ways so as to ensure we were both understanding the question and the response. I told him I could not pay off the total amount owed on the account and that I did not like their lending practice that prevented me from paying off the cash advance so that I would not have to keep paying the higher interest rate for the cash advanced amount. He apologized several times, but insisted that there was no other option. 

After talking to the second customer service agent, I did some research on line and found that the XXXX Credit Card Act, requires credit card companies to apply amounts paid over and above the minimum payment in a given month, must be applied to the amount with the highest interest rate. 

Third Call to Capital One Customer Service today at XXXX XXXX, I spoke with Manager " XXXX '', ID : XXXX. I told her about the 2 previous calls and the fact that by law they must apply payment over the minimum payment, must be put toward the amount with the highest interest rate. She said that was correct. She apologized and took my full payment for the XXXX XXXX and fee. I told her I would report Capital One because if I had not called back with the correct information, they would have continued to charge me the higher interest rate on the {$650.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. MY INFORMATION WAS COMPROMISED DUE TO THE 2917 DATA BREACH CAUSED BY XXXX. I HAVE UPLOADED THE REQUIRED DOCUMENTS REQUIRED TO BLOCK THE FRAUDULENT ACCOUNTS FROM BEING REPORTED MY CONSUMER REPORTS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Billing Error Under Section 1666 ( b ) of the Truth in Lending Act Dear Credit Bureau, I am writing to formally dispute a billing error on my account with your company, by Section 1666 ( b ) of the Truth in Lending Act ( TILA ), which governs the correction of billing errors in credit card or installment loan accounts.

I have reviewed my most recent statement dated [ Date of Statement ] and identified an incorrect charge that I believe is in error. The charge is for [ describe the disputed charge, including amount and date ]. I request that you investigate this matter and correct the billing error in compliance with the requirements of TILA.

To assist in resolving this dispute, I have enclosed [ any relevant supporting documents such as receipts, statements, or communications ] for your review. I kindly request that you provide written acknowledgment of this dispute and notify me of the outcome within the statutory period required under Section 1666 ( b ).

As required by law, I request that you cease charging interest or fees on the disputed amount until the matter is resolved. Additionally, I request that my credit report not be adversely affected by this disputed charge during your investigation.

Please send your response in writing to the address listed above. If you need any additional information or documentation to facilitate your review, please do not hesitate to contact me directly. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I do n't know if there is a timeliness factor in the mortgage process ; but I have been working with HSBC since XXXX to refinance XXXX investment properties. The processors request the same info over and over ; and then because the process is taking so long ( on their part ) ; they have to request credit reports, income verification, etc a few times. I have responded to all of their requests within a day, I have not been part of this delay. The have sent me no less than 5 or 6 Final Disclosures, Mortgage Commitments. I try to call the reps, and never get through to a person. My biggest issue with this process taking months is that I have other investments properties, with mortgages from other lenders that I wanted to refinance ; but was told to wait until this is completed. Because of these delays, this process is going to end up costing me XXXX of dollars.
Product: Debt collection

Late XX/XX/XXXX, I closed my XXXX XXXX account at a California address because I was moving ( I have a ticket number from this conversation ). XX/XX/XXXX I noticed my XXXX account had not been closed properly and I contacted them again to make sure it got closed ( I have a ticket number from this conversation as well ). 

A few months later, a collection agency letter arrives at the California address and I received some text message from that agency on my mobile phone. I looked up the debt collector information and they are saying I owe money to XXXX. Today, I called XXXX to confirm this amount and XXXX stated " I have no pending payments on my account and the debt collector must be a fraudulent ''.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 One Main Financial approved a personal loan for {$3000.00}. 

They asked me to furnish my new lease and they could release the funds ( XXXX XXXX ). 

My landlord furnished the rental agreement than became mad at me and called and discussed my finances with One Main Financial in the XXXX XXXX without my authorization. 

I wrote XXXX an email telling him he was not supposed to discuss my finances or account with XXXX XXXX or her property management company. 

Shortly after XXXX XXXX phoned And solicited illegal information my loan which had been approved XX/XX/2022 was suspiciously denied XX/XX/2022. 

XXXX XXXX and One Main Financial were not authorized to speak to XXXX XXXX or any third party about my personal information and loan and they in fact disclosed personal information Cavour me to a woman with a criminal past and who was in jail and a suspected XXXX. 

XXXX XXXX and the property owner XXXX XXXX tried to extort money from me and when I thwarted their efforts called One Main Financial illegally and had my loan cancelled. 

What troubles me is the lack of identity protection and wanton disclosure of my financial affairs with a known criminals and felons. 

One Main Financial should be closed as an institution to protect me and the unsuspecting general public. 

Never in a million years did I think a private party ( ies ) could get angry with me call my loan originator and have my loan cancelled for a personal matter/dispute.

Please penalize One Main Financial. 

Thank you!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXXXXXX, Consumer Date of Birth : XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$570.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Experian is reporting a charged off/closed account with late payments from XXXX XXXX which is a direct violation to the ftc
Product: Credit reporting or other personal consumer reports

on XXXX I went to review my credit report from Transunion and XXXX have inquires on my report that i did not request or have any knowledge or I have not asked or given anyone permission to run credit however i also locked my report froze my credit and added an alert also they still have inquires on my report dated back two to three years ago also i have sent multiple via mail and they always state that they have not received them to send another request. my information has been exposed on the dark web due to multiple data breaches
Product: Credit reporting or other personal consumer reports

I sent in my police report and all documentation theyve ask for and they still wont dispute it off my credit report