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

miuse of my credit report, information, Thirdparty sharing. Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974  that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 'experiean and transunion and are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent wether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.they Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title nelnet is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I have tried several times to dispute this debt. I have also attempted to verify the accuracy of this debt to no avail. And lastly, I have written to Nelnet XXXX. XXXX XXXX XXXX, NE XXXX about the possibility of setting this matter in exchange for the original instrument of indebtedness in its original form with no success. Please advise ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This resulted from a Payroll dispute with a XXXX XXXX XXXX, in XXXX. 
I resigned from the agency in XXXX, and received my final paycheck. 
I was contacted by them 4 months later ( XXXX ) saying that I was paid too much, ( Overpaid ) and owed them {$340.00}. 
I disputed this with them, at the time, as my pay was correct and did not hear from them again. 
The agency that I worked for went out of business a short time later, and closed. 
Prior to closing, they sold this false debt claim to a collection company, ( Stuart Lippman & Associates XXXX XXXX XXXX XXXX # XXXX XXXX, Ariz XXXX XXXX ), who listed it on my credit report. 
I Disputed this Collection immediately with all 3 Credit reporting agencies. 
After investigating, XXXX and XXXX removed it from my record. XXXX  did not. 
They say they can't remove it, until Stuart Lippman & Associates retracts the claim. After seeing the numerous complaints on this  company from the XXXX, I avoided all contact with them. 
I have disputed this 3 times with XXXX, and just re-disputed it again. 

This act by XXXX XXXX was recently part of a CLASS ACTION Lawsuit against XXXX, of which I was a member, for their improper payroll practices to their employees. XXXX Settled that lawsuit, with thousands of their Agents, ( me included ). As a result, XXXX Paid me an additional {$420.00} in back pay owed to me, as settlement of the Class Action suit, in XXXX. 
Despite the settlement, Stuart Lippman & Associates kept the Collection on my file.

My original Agency can no longer be contacted, as they went out of business. 
This Erroneous/False collection claim has prevented me from making a major purchase, as it was the reason for my recent credit denial. 
I am seeking your assistance in removal of this from my record, as has already been done with the 2 other credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Enclosed with this letter, please find a copy of Form 1099-C ( Copy B ) issued by XXXX XXXX XXXX XXXX for the canceled debt associated with the aforementioned account. The canceled debt has been reported to the IRS, and I have retained this form for my tax records. 

I kindly request that you remove this account from my credit report as it is causing significant harm to my creditworthiness. This negative reporting is particularly detrimental to my ability to acquire housing, as it affects my credit score and financial standing. 

Per guidelines outlined by the Consumer Financial Protection Bureau ( CFPB ), I am entitled to accurate and fair credit reporting. Given that the debt has been canceled and properly reported to the IRS, its continued presence on my credit report is unwarranted and misleading. 

I would appreciate your prompt attention to this matter. Please investigate and remove the inaccurate reporting in accordance with the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines. 

Should you require any further information or documentation regarding this request, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your cooperation and assistance in resolving this issue. 

Sincerely, XXXX XXXX Enclosure : Copy of Form 1099-C ( Cancellation of Debt ) - Copy B
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  XXXX Account Number XXXX XXXX Please remove it from my credit report. 
10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been added to my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries from my credit report as they were opened or made without my authorization : Accounts to be blocked and deleted : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX. National Credit System Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} Inquiries to be blocked : XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported and had this account investigated multiple times with XXXX and Equifax but both credit bureaus failed to update the inaccurate reporting. Equifax has continued to re age this account. Attached is evidence that Equifax has re-aged this account again in XX/XX/2021 which is a violation. The date of last active is totally different from XXXX and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accurate information being reported across all XXXX  bureaus. charge offs Ive been reported by law 15 USC 16 EB charge-offs any inaccurate information must be taken off. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint as I held a WF business account from XXXX. I had numerous and excessive overdraft fees incurred when my account was active.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the negligent noncompliance of [ Equifax/XXXX XXXX  with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681o, which addresses civil liability for negligent failure to comply with the requirements of the Act.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately :
Product: Checking or savings account

XXXX XX/XX/2023 Subject : Complaint against First National Bank of Pennsylvania for Denial of Claim Regarding Undelivered Online Purchase Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against First National Bank of PA regarding the denial of my claim for a purchase made online, where I never received the merchandise. I firmly believe that I should not be held responsible for payment on an item that was never delivered to me. 

On XXXX XX/XX/2023, I made an online purchase from XXXX XXXX via XXXX using my First National Bank debit/credit card. The transaction amount was {$540.00} with an initial hold amount of {$190.00}. However, despite repeated attempts to contact the merchant and request the delivery of the purchased item, it has not been received to this day. 

Subsequently, I initiated a claim with First National Bank in order to dispute the charge and seek a refund for the undelivered merchandise. However, to my dismay, my claim was recently denied by First National Bank, stating that the charge was considered valid and that I am responsible for payment. 

This denial of my claim is deeply concerning and unfair. I fulfilled my part of the transaction by providing payment, but I have been left without the promised merchandise. It is unjust for me to bear the financial burden for an item that was never received. 

I believe that First National Bank 's decision to deny my claim is in violation of consumer protection regulations and contradicts the principles of fair and responsible banking. As a customer, I should be protected against fraudulent or non-delivered purchases, especially when they are made through reputable online platforms. 

I have made several attempts to resolve this issue directly with First National Bank, but their responses have been unsatisfactory, leaving me with no recourse. Therefore, I am seeking the intervention and assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure a fair resolution. 

Enclosed with this complaint, you will find relevant documentation, including copies of the purchase receipt, correspondence with XXXX, as record of my communication with which clearly demonstrates my efforts to resolve the situation. 

I kindly request your immediate attention to this matter and your assistance in rectifying this unjust denial of my claim. I also ask that you keep me informed of the progress made in investigating and resolving this complaint. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to protect consumers ' rights and ensure a fair resolution in this case. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX they also have records on files that are wrong. The following address are not mine please delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE SEND MY NEW UPDATED CREDIT REPORT TO ME.
Product: Student loan

Since entering repayment in XX/XX/2023 I have been paying an additional {$100.00} towards my student loans every month and my employer offers student loan assistance and also pays {$100.00} directly every month to MOHELA, my loan servicer. Since XX/XX/2023 MOHELA has not been applying the additional payments towards my principal balance but rather putting my account into pay ahead status. In XX/XX/2023 I called and inquired how to fix this and was told to submit a formal written and signed letter asking to put additional payments towards principal only. I submitted the signed and dated letter asking for exactly that on XX/XX/2023. As of today that request has still not been processed and my account remains in paid ahead status. I have called multiple times asking for an update only to be told its still in process and Im not given any sort of timeline for completion. As of today MOHELA has received {$1200.00} of additional payments that they are not applying towards my principal balance as I requested.
Product: Vehicle loan or lease

I purchased a vehicle in XXXX of XXXX with a down payment of {$20000.00} I was originally told by the dealership that the internet rate would be 12 % only to later find out that it was 13.87 %. I hit a hardship where I had to make substantial repairs to the vehicle which cased me to fall behind on payments. I was 2 months behind on the payment as a result of this at the time. I was attempting to contact the lender who is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX. I was unsuccessful in my efforts to speak with them. Every time I called I got the automated service. The vehicle was repossessed on XX/XX/XXXX. Upon my attempts to pay my past due balances and retrieve my vehicle I was told that they would not accept the payment but instead wanted the entire balance owed on the loan which is {$32000.00}. I attempted numerous times to get in touch with someone in charge that could resolve the matter and was not able to. I believe that throughout this entire debacle I was handled incorrectly and harmed in several ways. 
Sincerely, done in good faith all rights reserved. Authorized representative By : XXXX XXXX XXXX XXXX
Product: Debt collection

Repeated calls from Phoenix Financial Services regarding a debt that was previously disputed, removed, then resubmitted by another agency. The other agency ( XXXX XXXX XXXX  ) apparently handed it back to Phoenix Financial which has resubmitted it yet again. This has been ongoing and detrimental to my credit. The previous complaint which includes documentation of the previous removal of the debt from my report was # XXXX filed on XX/XX/21. It was reviewed and closed following the company 's review on XX/XX/21.
Product: Money transfer, virtual currency, or money service

I noticed many transactions add money to my cash app balance and it was me and transaction for food places that i havent order recently and I was told i couldnt get my money back
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Rectification of Flagrant Unauthorized Inquiries and Removal of Unverifiable Items Dear TransUnion, I write with unwavering concern and insistence regarding the flagrant and accrued violations on my credit report, which not only undermine my privacy but have unmistakably accrued and breached my rights. The following unauthorized inquiries demand immediate and irrefutable rectification : 1. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX - XXXX XXXX XXXX 6. XXXX - XXXX XXXX XXXX 7. XXXX - XX/XX/XXXX These indisputable violations encompass not only the Fair Credit Reporting Act ( FCRA ) but also federal laws, including but not limited to : 1. FCRA Section 604 - The accumulation of unauthorized inquiries unequivocally violates privacy rights.

2. FCRA Section 606 - The persistent disclosure of investigative consumer reports transpired without proper authorization.

3. FCRA Section 609 - Grossly inadequate disclosures about these inquiries remain unaddressed.

4. FCRA Section 611 - Procedures for disputing inaccuracies have been systematically disregarded.

5. Right to Financial Privacy Act ( RFPA ) - Clear and actual violations of federal privacy rights.

Furthermore, these stark and undeniable breaches extend to Georgia state laws, leaving no room for ambiguity : 1. Georgia Fair Business Practices Act ( GBPA ) - Unrelenting unauthorized inquiries infringe unabashedly upon consumer rights and protections.

2. Georgia Fair Credit Reporting Act ( GFCRA ) - Systematic violations of consumer reporting laws within the state persist. 

Given the lack of my explicit consent, I assert that these items are unverifiable and should not have been included in my credit report. I demand, with utmost urgency, a meticulous investigation and the immediate removal of these unauthorized inquiries and unverifiable items from my credit report. These blatant and accrued transgressions necessitate swift rectification to restore the integrity of my credit history. 

Failure to address this matter resolutely will compel me to pursue legal action without hesitation to protect my rights and seek redress for the undeniable damages incurred. 

I expect your immediate and unwavering cooperation, leading to a prompt resolution of this egregious breach.
Product: Debt collection

I purchased a Fridge ( kitchen appliance ) from XXXX, who had a lease agreement option called XXXX  I paid all my payments in full and they kept taking money, Tempoe LLC was then involved, they are the original creditor, they called, harrassed me daily for months, took money out of my account, kept taking money out of my account, the bank couldn't do anything about it because Tempoe stated it was a legitimate debt. It was not. 
Payments below {$91.00} XX/XX/XXXX {$91.00} XX/XX/XXXX {$91.00} XXXX  {$91.00} XXXX {$91.00} XXXX {$100.00} XX/XX/XXXX {$82.00XXXX XXXX {$180.00} XXXX {$91.00} XX/XX/XXXX {$91.00XXXX XXXX {$91.00} XXXX {$410.00} XXXX  ( I was told I was buying out the contract agreement ) That no Money was due after this last payment {$180.00} XXXX  ( They took this without my knowledge when I learned what they did they said it was the buyout fee... I stated on XXXX i was told i was buying out the contract, they said this is the last fee ) {$120.00} XXXX ( They took this after I verbally told them they could not ) {$200.00} XXXX ( Once again they verbally were told to not take anymore money from me & they did. I spoke with management I was assured My agreement was paid in full {$200.00} XX/XX/XXXX ( They continued taking payments ) {$200.00} XX/XX/XXXX ( I asked if i could bring the product that i originally purchased back told them this was complete bull XXXX that they were stealing from me and committing fraud ) {$320.00} XX/XX/XXXX ( Was contacted to pay off unit I said I already have, they took this payment without my permission ) {$100.00} XXXX  ( Took more money from me with out my permission on the same day ) I finally got smart changed banks and cut off that card. they continued trying to take payments but it was a dead card. 
Tempoe then sold my account to XXXX XXXX XXXX XXXX XXXX and now they are being awful about all of this wont let me speak to upper management, told me & my husband we are not important enough to speak to her superiors ( she was a supervisor ) They wont help, they wont acknowledge my emails, or calls, they reported to the credit bureaus that i owe XXXX I owe nothing, infact they owe me, they scammed me, and they committed fraud by taking money without my permission even after I told them they couldn't. Please help. This is negatively impacting my credit score, it has caused -me to have high interest rates, lower XXXX XXXX than what i should. 
My number is XXXX