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

To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 

XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX in persons or XXXX XXXX if the consumer has provided XXXX documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX in persons or XXXXXXXX XXXX if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section XXXX is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : 4810-XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, ( Your Name )
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub> 2025 I received a notification about XXXX hard inquiries on my credit report from XXXX the inquiry was from XXXX XXXX XXXX XXXX Ally Financial, and XXXX XXXX XXXX, I do not recall authorising these companies to access my credit report. I was looking at cars only thing I remember was inquiring about the vehicle I never a loan or anything for the car as I didnt have interest in it. It has negatively affected my score and I would like for it to get fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts that show on my credit report that do not belong to me. I am attaching my Experian report for your reference. The account named " XXXX XXXX XXXX '' on page 45 and " XXXX XXXX XXXX  '' on page 53 are two collections agencies shown on my credit report. ( I am including a pdf ). I have disputed these accounts with them several times in writing and through experian.com and they refuse to remove that from my credit report. I never opened any accounts that were passed two these two collections agencies. They simply indicated that it was me because the person that fraudulently open the accounts had " been making payments '' on those two accounts. However, I never authorized anyone to open an account and much less to make payments on them. I have been denied credit because of these two accounts. It has been years and I am unsure what else I can do to remove them. I have also been receiving subprime rates and I am unable to refinance my student loans.
Product: Debt collection

Pursuant to 15 USC 1681b ( 2 ), I have requested that this unverified debt be removed from my credit file from the original creditor Capital One. I have no business dealings that include a contract with my signature to this creditor. The creditor have attempted to verify this debt with personal information I have provided in previous communication with them. This is my last request for the alleged debt to be removed. Failure to remove from credit file will result in actions to seek monetary relief for damages as a result of the erroneous filing to credit file
Product: Debt collection

Bonneville collections for {$810.00} this amount is incorrect for the address XXXX XXXX  XXXX XXXX I moved out of my apartment at the end of XXXX early XXXX and requested my power to be shut off it was left on in my name until XXXX of the next year.
Product: Student loan

I requested a refund for payments I made to my federal student loans during the forbearance period that started in XX/XX/2020. I was told it would take up to 5 months to receive the refund when it is taking other servicers 4-5 weeks to refund borrowers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Agency 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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C 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 inaccurate.
Product: Checking or savings account

On XX/XX/23 my account was compromised and 7 unauthorized transactions were made that night at XXXX totaling {$830.00}, completely emptying my account. I texted Albert that night because they have no customer support number, to freeze my account and stop the pending transactions. I was told I had to wait until the transactions finalized in order to file a dispute. They finalized the next day and I filed my dispute. Today XX/XX/23 I was notified by Albert that my claim was denied because the transactions didnt indicate fraud. I did not authorize the transactions and the transaction pattern does indicate fraud. I asked to speak to a supervisor but was responded with automated prompts that did not address my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015 Nelnet has marked me 90-120 days late on student loan repayment on three accounts but that is not accurate. Im tried to call and dispute it with them but they wont seem to hear me out.
Product: Credit reporting or other personal consumer reports

I'm writing to express grave concern about intentional privacy violations by the XXXX major credit bureausExperian, XXXX, and XXXX. I have seen clear violations of the Fair Credit Reporting Act ( FCRA ) in which credit reporting agencies ignored the privacy rights outlined. Their actions, I believe, not only violate my right to privacy, but also flagrantly violate federal consumer credit reporting laws. I respectfully request your office 's intervention and investigation into this matter to ensure compliance with existing laws and the privacy rights of consumers.
Product: Checking or savings account

On XX/XX/XXXX my phone was stolen and hacked into to get my personal information. I blocked the phone on the day it was stolen and got a new XXXX the next day. On XX/XX/XXXX I received a text from an application that I use to transfer money internationally that they were not able to complete a transaction, this was not a transaction that I had ordered, I logged into my account and saw that there were several attempted transactions from my XXXX account. I called the bank and had my account numbers changed, as well as got the money reimbursed that was stolen from the account, and the fees that ensued because of it. Then on Sunday I received a text message from CIT Bank, for a two factor authentication, when I logged into my account {$16000.00} had been fraudulently wired from my account to someone named XXXX XXXX. I changed the password immediately and contacted the bank the next day when their call center was open. The person that I spoke with informed me they had to shut down my account and to wait for the bank to contact me, I then reported the incident to the XXXX XXXX, as well as the local police here in XXXX, XXXX ( I am a XXXX XXXX XXXX XXXX  ) I also reported the incident to the prosecutors office ( XXXX ) here and filled out the FBI form for internet crime. On XXXX I spoke with XXXX XXXX ( XXXX ) from CIT bank who informed me they were trying to reach the bank that the funds were transferred to to try to get my funds back. On XX/XX/14 she called me and told me it was not possible to get my funds back. 
I think it is ridiculous that the security system at the bank did not flag and put a stop to this unusual amount of movement that has drained my savings of money I spent years building up, and CIT can simply walk away from this without any restitution for me as the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

WALLETHUB XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX [ NOT MINE XXXX XXXX INTERACTIVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX [ NOT MINE ] GLOBAL PAYMENTS CHECK SVC P O BOX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX MC LEAN, VA XXXX ( XXXX ) XXXX On : XX/XX/XXXX [ NOT MINE ] XXXX MERCHANTS CONCOURSE XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX [ NOT MINE XXXX ACCOUNT XXXX OF XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX Placed for XXXX : Individual AccountAccount Type : Open Account Balance : $ XXXX XXXX Amount : {$1300.00} Original Creditor : TOWN COUNTRY MANOR Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR XXXX Estimated month and year that this item will be remo [ NOT MINE ] XXXX XXXX XXXX # XXXX C/O XXXX XXXX XXXX PO BOX XXXX XXXX, SC XXXX ( XXXX ) XXXX Placed for XXXX : Individual AccountAccount Type : Open Account Loan Type : DEBT BUYER Balance : $ XXXX XXXX Amount : {$100.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : XXXX FOR XXXX Estimated month and year that this item will be removed : XX/XX/XXXX [ NOT MINE ] WEBBANK/FRESHSTART # XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Date XXXX : Individual AccountAccount Type : Installment Account Loan Type : INSTALLMENT SALES CONTRACT Balance : $ XXXX XXXX Received : $ XXXX Payment XXXX Balance : {$85.00} Pay Status : >Charged Off<Terms : {$0.00} per month, paid Monthly for 6 monthsDate XXXX >Maximum Delinquency of 90 days in XXXX Remarks : PURCHASED BY ANOTHER LENDER ; UNPAID BALANCE CHARGED OFF Estimated month and year that this item will be removed : XX/XX/XXXX [ NOT MINE ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX, Account Number XXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXXXXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX has items that were due to be removed because the were open with out concent but has not removed it after the companies have closed out the accounts. 

Equifax has accounts from XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX. All other credit bueres have removed this as the company had admitted it as not mine. 

XXXX  has a XXXX  XXXX XXXX account which fell into the same category. 
Please remove asap. I have submited a FTC report about this already
Product: Debt collection

InDebted Collection agency attempting to collect a reported amount due from the original collector " XXXX XXXX'. Documented emails of communication from the XXXX company invoice statement was sent as a final notice ( warning prior to sending this to collection agency " InDebted '' XXXX shows the unpaid amount left owed on the account to be exactly {$11.00} remaining due, to be paid by XXXX XXXX XXXX 

Verification for the debt that was reported to the collection agency was unavailable for me to request to see. Only option accessible to me when contacting the company was direct link to input financial information for processing a payment. No access to view or dispute the transaction was available for me online, and calling customer service as a way to address the claim in the amount of {$18.00}, that is reported against me. This information is incorrect, and seems fraudulent when asked to provide any further information to my right as a consumer.
Product: Debt collection

I had a XXXX XXXX month to month membership in XXXX, XXXX ; there Financial Collector was ABC Financial. I had 2 debit cards on file then one was a XXXX XXXX Card. I left the gym in XXXX, XXXX because of being threatened, even though I told the Assistant Manager and left the Manager messages no thing was done they ignored the problem because the perpetrator was their friend. In XXXX, ABC Financial used a XXXX XXXX Card to steal money from my account even after the card was taken out of XXXX XXXX  data base ; they attempted to collect, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. What were they looking for ; they were trying to steal money that wasn't due. Several times they were successful in taking money ; there was time that they took the only money I had for groceries. 

Recently on XX/XX/XXXX, they called me on my cell phone from a scammer number, hung up. I called back because I was looking for someone to call me ; I heard a very loud bong ; a few minutes later my money was taken out of my XXXX XXXX by ABC Financial. Today, XX/XX/XXXX, ABC Financial used another scammer nunmber when I answered I heard a loud bong the same as the last time ; the person was saying I want to talk you about Social Security, I knew that it was time to hang up but I heard the bong  first. Laugh out Loud there was XXXX in my XXXX XXXX. I know they think I am XXXX  enough to keep putting money there for them to take. But this is theft ; the governmental agencies told me to call the police and file a theft charge on them. 

See, they didn't have my new XXXX XXXX Card numbers I just got this one in XXXX, XXXX so how did they get my money, " bong '' they stole it they hacked my phone and stole the money.

I called ABC Financial everytime speaking to different people over an hour asking for my money back nothing moved them. I talked to the people at XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX sent me a letter on denial of Payment Extension on my Auto Loan. 
I didn't authorize or Consent Financial Institution to pull my credit without my consent for a Payment Extensions. 

Why did XXXX XXXX pulled my XXXX, XXXX  and Equifax credit reports for a Monthly Payments Extensions? 
XXXX XXXX doesn't have the right to pull my credit for monthly payments Extension. 
Why did XXXX, XXXX  and Equifax allowed this Federal Violations.? 

This is a Discrimination and Retaliation against me as a XXXX XXXX  American and my XXXX status I am XXXX Lifetime and a XXXX XXXX XXXX XXXX XXXX. 

My XXXX XXXX XXXX XXXX XXXX Department of Justice has been violated by XXXX, XXXX  and Equifax. 

Covid19 Pandemic is affecting many Military Veterans and all Citizens in the Community in California and America and around the World. 
With Honor and Respect Always. 
This is a Urgent Matters!
Product: Credit reporting or other personal consumer reports

I have been calling and usps mailing this bank my information to delete the mortgage and or remove it from my credit reports since 1st letter mailed XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the 9th and FINAL letter XX/XX/XXXX. I am attaching the divorce decree that proves i have no legal right to this home and am requesting you remove the account immediately. 

This defaulted late payment account has now hurt my credit score and made me not qualify to buy a home here in my now home state of Washington.
Product: Debt collection

I am submitting a formal complaint against JPMCB Card regarding a collection charge-off inaccurately reported on my credit file. Below are the details of the disputed account : Creditor : JPMCB Card Date of Charge-Off : XX/XX/year> I have previously disputed this charge-off with the credit reporting agencies ( XXXX, XXXX, and XXXX ), but they have failed to take corrective action. Furthermore, JPMCB Card has not provided proper verification of this alleged debt, despite my requests, violating both federal and Texas state laws governing debt collection and reporting.

Legal Violations Federal Violations : Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), I have the right to request validation of any debt. JPMCB Card has failed to provide the required verification while continuing to report this charge-off. Additionally, under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), inaccurate or unverifiable information must be corrected or removed from credit reports following an investigation. Texas State Violations : Under Texas Finance Code, Section 392.202, I am entitled to dispute any reported debt and require the creditor to validate the debt or cease reporting it. Moreover, under Texas Civil Practice & Remedies Code Section 16.004, the statute of limitations
for debt collection is 4 years. Since this debt dates back to XX/XX/year>, it is now time-barred and legally unenforceable.
Product: Checking or savings account

unlawfully garnished the accounts Financial institution for processing illegal, out-of-state garnishment orders against its my bank account. Financial institution unlawfully froze my account, garnished funds, and sent payments to fake creditors based on out-of-state garnishment fake court order. Its a fake order because it was not a judge or real court meaning being recognized by the state constitution. There is not proof that a real court order exist, a real judgement and writ of execution to collect a debt does not exist. All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. Also the program that claimed to be creditors are not listed as debt collectors and not registered with the Secretary of State of Florida to do business or to be able to collect a debt. They did not credit me anything, they have not validated any debt or given any consideration to I. XXXX  will not allow a statue to be used as a cloak for fraud.

Unlawful garnishment that has injured me and caused involuntary servitude. Financial institutions cooperation with corsairs ( con-artists ) at the expense of me. Also if debt can only be paid with gold and silver according to the article 1 section 10 of the u.s. constitution why did that take currency from my account.

garnishments that are usually designed to make sure people have money left to live on following garnishment. Financial institution left my account balance was left to XXXX  balance. 

I do not ingress in florida where the fake order was established.
Product: Checking or savings account

There was a {$25000.00} transfer from my checking account that was not authorized by my wife and I
Product: Credit reporting or other personal consumer reports

In accordance 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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX : # XXXX, TD AUTO FIN  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 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 report by more than seven years.

15 U.S.C. 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 inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

A debt collection agency, by the name of Portfolio Recovery Associates, LLC., has been trying to collect on a XXXX XXXXXXXX account from a credit card I had a couple of year 's ago. The account was closed after an investigation was made based on Identity Theft after an individual manipulated me and further embezzled funds on or around XX/XX/2017. I thought the fraudulent items were going to be reversed after I spoke with one of their representatives a month later since I noted on my bill that the additional transactions in question were still included as part of the total amount owed. I disputed the accuracy of the amount owed with the collection agency, as well as furnished them with the aforesaid information, and they are unwilling to contact XXXX XXXX regarding the dispute. I just contacted XXXX XXXX ( in order to furnish the debt collector with a letter attesting such indicents ) and they mentioned to me that they have no information showing that an investigation was made ( which seems suspect to me ).
Product: Student loan

I'm writing because I have a private student loan held by Aspire Servicing Center ( XXXX XXXX XXXX, IA XXXX ; XXXX ; Customer Service : ( XXXX ) XXXX ). I have asked for a 6-month forbearance and 0 % interest rate until XX/XX/XXXX, because of COVID-19 stay-at-home orders in my state ( California ) and county/city XXXX XXXX XXXX. My request was refused on XX/XX/XXXX. The refusal response to my request included this information : The loans we ( Aspire Servicing Center ) service are not federally held ( owned by the U.S. Department of Education )  and do not qualify for this relief. 

Please, would you fight for private student loan relief? 

I'm sure there are many people in this country with private student loans who are suffering like me. For those of us who are unemployed, furloughed, or are paying bills on reduced hours, please stand up to greedy companies like Aspire Servicing Center before people, en masse, default on their private student loans. 

Thank you for all that you do for the working poor like me.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me