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

TransUnion XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX BANK Potentially negative Date opened0XX/XX/2015 Balance {$110.00} StatusAccount charged off. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/1986 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Debt collection

Jefferson Capital Systems Llc/Jefferson Capital Llc tradeline appears on my credit file with a balance of {$1400.00}. The company reported a date opened XX/XX/XXXX and a reported delinquency date of XX/XX/XXXX & XX/XX/XXXX ; no closed date. This is a second party account with no adequate proof provided to me showing my obligations to pay the alleged debt. After repeated discussions with representatives the agency was made aware of my vehement disagreement with and the unwillingness to cooperate with a resolution. The account was disputed via the credit reporting agencies on XX/XX/XXXX & XX/XX/XXXX ( re-investigation ). I strongly believe this company violated sections 806 & 807 ( 10 ) of the Fair Debt Collection Practices Act, 15 U.S.C 1692D and 1692E ( 10 ).
Product: Debt collection

XX/XX/year> Midland Credit Management contacted my and harassed her. They also threatened her by stating, your husband owes {$770.00} for credit one card that is in collection. Hes probably hiding this information from you and need to speak to him or else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a validation letter to all 3 credit bureaus, XXXX XXXX, and Transunion and also the collection agencies XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX to dispute the following accounts showing on my credit report ( XXXX XXXX XXXX ) AND ( XXXX XXXX XXXX ). The letter was sent over 30 days ago with no response or validation that these unknown debts are mines which is not. These debts are unknown to me and I want them deleted off of my credit report as they are violating my rights by taking longer than 30 days and not deleting these accounts as they should.
Product: Credit reporting or other personal consumer reports

Identity Theft Victim XXXX. Title. This Article shall be known and may be cited as the " Identity Theft Protection Act ''. ( XXXX, XXXX. XXXX. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Customer Data Security Breach Litigation ; Case XXXX As a victim of identity theft, I am asserting my rights under federal and state laws, including the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act, which protect consumers from the unauthorized use of personal information. The harm caused by these actions is worsened by Trans Unions inaction in addressing my ongoing disputes. 
This situation is further compounded by data security breaches, involving the XXXX Data Breach, exposing my information to misuse. I demand the immediate removal of these fraudulent accounts from my credit report, especially given the impact of recent data breaches. Under the FCRA ( 15 U.S.C. 1681c-2 ( a ), Trans Union is legally required to block and delete the information resulting from identity theft upon receipt of a suitable report, which I have provided on multiple occasions. The unauthorized accounts linked to my Name, Social Security number, and Personal information are : XXXX : Balance : {$870.00} : Open Date : XXXX XXXX, XXXX XXXX XXXX : {$670.00} : Open Date : XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX : Balance : {$1100.00} : Open Date : XXXX XXXX, XXXX XXXX : Balance : {$840.00} : Open Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Balance : {$2900.00} : Open Date? 
There has been absolutely no legal proof provided to substantiate the marks on my credit report. I have not signed any wet signature application or contract that would legally authorize the reporting of this information. Furthermore, I have not granted your agency any authority to access or report information about me under the Fair Credit Reporting Act ( FCRA ), which explicitly requires a permissible purpose for such actions.
Product: Credit reporting

On  XXXX / XXXX /  XXXX   I submitted an online dispute for a account I have 'No Knowledge ' of and On  XXXX / XXXX /  XXXX   received email dispute was completed without results. However, when accessed credit report on  XXXX / XXXX /  XXXX   and item is still showing  'Under Investigation a nd I should have my results soon '. I 've attached a copy of credit report to support complaint, the item in question is the very last item in the attached. Thank you.
Product: Student loan

I am a retired XXXX. I taught for 20 years at a XXXX XXXX XXXX on the rural island of XXXX. Several years ago I did all of the paper work to have my loan forgiven because of my work on XXXX. XXXX XXXX/Navient denied my request because they said I had consolidated my loan several years before which made me ineligible for the Forgiveness Program. This seems rather specious to me. I went back to get my XXXX after 17 years XXXX  at XXXX XXXX XXXX and I continued XXXX on XXXX for 3 years after receiving my degree. I think Navient violated the intention of the Federal XXXX Forgivess program. Thank you for considering my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX around the XXXX week I mailed off letters to the credit bureaus XXXX, Equifax, and XXXX. I have been for sometime now trying to dispute negative items that I do not honestly recognize as mine and I do not know who they belong to. These companies have yet to validate their findings as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) They have yet to validate anything. Because they have broken the law I would like to process this in a civil lawsuit against them. 

I have made several attempts to correct this matter.
Product: Debt collection

Debt service trying to collect for XXXX Transportation Department before a law suit is filed. 
The number they tell me to call back is XXXX and the case reference number is XXXX.
Product: Checking or savings account

Three weeks ago, HSBC USA fraud department called me to verify some recent charges on my credit card. I confirmed they are valid transactions by me. However, even I confirmed they are valid charges. They said they will conduct a review on my account. After that, they locked not just my credit card, but also my checking/savings account. They even blocked me out of online banking. At that time, I have more than {$60000.00} in my HSBC USA savings account. I called HSBC and asked them how long it will take for the review to finish, and I also ask them to at least give me access to my checking/savings account, because I need them for daily spending. However, they said they can not tell me how long it will take, they said it could be 1 week or 2 week, 1 month or 2 month or even longer. They also said even the review was caused by my credit card, they have to block my access to all HSBC product during the review. They also said I do not need to provide anything at this moment, and the only thing I can do is to wait for their review to finish. This is very ridiculous. It is completely unreasonable to block my savings account as well. Because of their block on my savings account, I am now even struggling to pay my basic living expenses. I need them unlock my account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every 30 days I have disputing the same inaccurate information from the credit bureaus and they aren't doing anything to remove these inaccuracies. The are reporting the following fraudulent information and it has hurt and damaged my credit scores : Transunion - Dispute Letter Sent XX/XX/2022 Address Is Not mines - XXXX XXXX  XXXX  XXXX, XXXX, NJ XXXX XXXX  XXXX Charge Off {$3800.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX - Dispute Letter Sent XX/XX/2022 XXXX XXXX XXXX  - {$420.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX  - Dispute Letter Sent XX/XX/2022 XXXX  XXXX Charge Off {$3800.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX  XXXX XXXX  Charge Off - This was included in a bankruptcy and was paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later. I have not received a response yet. I feel like I'm being taken advantage of for being ignored of my disputes. Section 611 ( a ) It is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 35 days over so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ), specifically, Cash App to take timely and effective measures to address and prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Yes I have a case open from a XXXX XXXX payment voucher was mailed in and picked up a account was already registered 2021 tax season efiled with state tax return for amended XXXX XXXX payment voucher with looking upon this payment update on this case. We ask to contact the North Carolina Department of Revenue in resolving this issue we escalated to the claims department a case was already updated the payment voucher was declaring was not sent in and ask to review with the 2021 payment was sent in. So I ask to review the XXXX XXXX  with the department of claims with the case number and ask them why the payment was not updated with the case.So send the case ID and update the registration with the claims department. Our government payment voucher was sent in with a case ID and update with a restoration officer with case ID and mailed in the review without updating the rest with the claim department with the case open because it settled out upon review in updating the claim at hand. So we give our update on the paper in the missing XXXXXXXX XXXX XXXXeturn with the case number and ask XXXX XXXX XXXX appoint the case number with the XXXX XXXX  payment voucher to update the claim we did not owe was sent with the case ID from the XXXX XXXX  payment voucher with the case ID review claim number payment voucher sent in on the investigation. As I can see we should update the review with the attorney with the North Carolina Department XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am XXXX  to have my report accurately reflect my current financial situation.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/year> Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To Whom it may concern, 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 XXXX Department of Education ( DOE ) and the Department of Governmental Entities ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) 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 : My academic records and personally identifiable information ( PII ). 
My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under XXXX ( 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 : 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. 
A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, 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 XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XX/XX/2017, since then the battery has died on the vehicle 3 times already. I have had the battery checked and the battery cells are fine. So on Monday XX/XX/2017 I called and spoke with XXXX who stated that it sounds like the alternator is going out and that they can finance the repairs which will be in addition to the {$380.00} I already pay a month!!!!! That is totally unacceptable seeing that I just paid to register my vehicle XX/XX/2017! I would not recommend this lot to anyone. I have to choose between paying my truck note or paying for repairs which I can not do every 2 weeks! Let a long can I afford either missing work or being late to work especially when I am making my payments consistently on time! 

After going back and for trying to figure out what was wrong, being told by the delearship and others who had tested both my alternator and battery that stated there was absolutely nothing wrong with my alternator and allowing XXXX XXXX to replace the 2-3 batteries that they replaced I was tired and over the whole situation and allowed them to have the truck back after 11 months of XXXX ... .So before they picked it up the manager over XXXX called and tried to rectify the situation by saying.. '' Mrs. XXXX as I understand you are a highly valued customer with a great payment history and we want to try and help you ''. Yes of course they want to help after they are not going to receive another payment. However at that time I was able to obtain a more reliable vehicle from a lot I know for an absolute fact will get the job done. 

I am upset at the fact that after paying on time for 11 consecutive months I have a repossession on my credit that I totally disagree with. Not to mention the text messages from 'XXXX  '' after they had already had the vehicle to try and prove a point to say it was nothing but the alternator after so many times of me either missing work or going later for an alternator their shop said was fine. 

I would like the repossession that is being reported moved off of all my credit buerau reports that it is being reported to.
Product: Credit reporting or other personal consumer reports

XX/XX/year> - XXXX XXXX XXXX ( {$320.00} ) reporting to all three agencies without my consent or acknowledgment. 
XXXX XXXX  XXXX XXXX XXXX {$290.00} ) I have no knowledge of this account or its creditor XXXX Sunrise Credit Service ( {$1300.00} ) unfair practices on this account XXXX XXXX XXXX XXXX XXXX {$520.00} ) Inaccurate reporting
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX. I submitted my written request for a payment histroy from XXXX. I never received this document. I received several invoices that did not include any record of payment. 

This is complaint is filed as an addendum to complaint XXXX filed XXXX. 
I have attached XXXX 's letter discussing their own policy regarding their credit bureau reporting during their hardship payment plan. 
I have also attached a copy of the company 's credit bureau reporting following that policy ( XXXX ). This document shows that someone in XXXX 's credit bureau reporting department has intentionally retroactivley changed a positive reporting to a negative XX/XX/year> late reporting history which inaacurate This is malicious reporting to the credit bureaus by XXXX done so AFTER I filed my first complaint againt this company. 
My request is that XXXX be mandated to send my payment history and to remove any negative reporting by them from my credit bureau report
Product: Checking or savings account

Credit Karma deceptive practices- Credit Karma approved me for a refund advance but never deposited the money into my Credit Karma account. It appears Credit Karma does not ever intend to issue refund advances. Their only intensions are to get customers refunds. 

Credit Karma stated they never received my application, which is the reason why those advanced funds of {$1000.00} weren't deposited. 

Credit Karma charges high fees re : transfer funds into an outside debit card. 

When I tried to make purchases after my refund had been deposited, Credit Karma declined those charges. 

Credit Karma sends me an email stating a purchase of XXXX tried to go through. This is false. 

Credit Karma stated I tried to make a purchase for XXXX. This is false. 

I received an email stating my card has been locked. Credit Karma keeps locking my account. 

I did not lock my account, Credit Karma keeps locking it themselves.
Product: Payday loan, title loan, personal loan, or advance loan

I lost my job at the end of 2023. Ive been looking for a new job since then, but havent had any luck yet. I call Tower Loans and spoke with the manger, XXXX XXXX, and explained my situation to him and told him that I would call them and give them an update as soon as I find a new job and am able to start making payments again. I told them I registered my number on the do not call list and to text me instead if they needed to reach me. Tower Loans continues to ignore my request and proceeds to not only harass me but also they call family members that were not listed on the loan as co signers. I listed my phone on the DNC list in XXXX, and have repeatedly made Tower Loans aware of that and asked them to stop calling me and my family multiple times daily, but they refuse. Just this past week, my grandmother XXXX XXXX. I asked Tower Loans to stop calling while we XXXX XXXX XXXX XXXX this week. They ignored my request again and called during her XXXX XXXX. If anyone is able to help me, it would be greatly appreciated. Thank you.
Product: Credit card

the day XXXX/XXXX/2015 day refused to open a blast paypal credit for reprting sequences and temporary system error and not providieron news for you aplication the number reference No XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The company OppLoans by OppFi is engaged in predatory lending aiming to take advantage of people who are desperate for money because they are financially limited in their capability. It they want a near 200 % return on their loan within a 10 month period ... which is absolutely abhorrent. This company should be shut down and not allowed to issues loans to anyone.