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

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update these account completely from my Credit Reports : XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00}
Product: Credit card or prepaid card

I went to make my monthly grocery purchase at Sam 's club. At the check out on that day only and only at sam 's club none of my bank or credit cards worked at check out ( those cards worked fine at the gas station before I went to Sam 's club and when I bought dinner after I left ). I was issues a Sam 's club credit card with a XXXX available credit line. The cashier sneared at me as if I was broke and told me I could get my groceries if I pushed yes on the key pad. I pushed yes. The statement came a month and a half later and I got a text message that I was late on my payments for my groceries. I was assessed at 29 % fee. When I received the text message, I immediately made a payment to pay off the entire amount of the groceries that I did not need to borrow in the first place. I did not close the account. Just paid off the entire balance plus the late fee. My account was then closed and a negative mark was made on my credit report for making late payments and an overdraft. The card was issued by XXXX Bank. 
I had money in my account. When I went through the line at Sam 's club there was no reason to issue me a credit, The statement was very slow to appear a charged me a late fee and financing fees, and now I have record of a canceled account overdrafted late fees on my credit. The entire account was only open about 2 months, I have contacted the credit agencies about this and attempt to contact synchrony Bank. I have been unable to reach any customer service agent because it says I do not have an account with them. Because of their predatory lending scam and the negative mark they've left on my credit, it affected my auto loan. I should have been able to get a 6 % auto loan but I had to get an 11 % auto loan. All in all about {$50.00} was stolen from me by synchrony Bank, but the total impact will be about XXXX because of their abusive credit behavior affecting my overall credit score impacting my auto loan.
Product: Credit card or prepaid card

I have 3 accounts with Comenity Bank, XXXX, XXXX XXXX and XXXX. In 2018 when I paid off the balance for these cards after the payment posted my credit limit was dropped from {$300.00} to {$100.00} for XXXX and XXXX and from {$1600.00} to {$100.00} for XXXX. They eventually raised my XXXX limit back to {$700.00}. Once again, I paid the balances to {$0.00} and they dropped the limit o my XXXX account back to {$100.00} stating that I don't have a home loan account on my credit report. It seems that this is a discriminatory practice considering that I have been a long term customer and I paid the balance completely down.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding a potential FERPA violation involving the unauthorized disclosure and/or improper use of XXXX XXXX XXXX XXXX 

In XXXX of 2025, I became aware that XXXX XXXX XXXX XXXX may have been accessed or shared without my consent. This issue has been publicly reported in the media, with concerns that third partiesincluding unauthorized individuals or entitiesaccess student loan data. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate whether my student loan servicer ( XXXX ) or the U.S. Department of Education ( DOE ) improperly disclosed or allowed access to XXXX XXXX XXXX  payment history, or other financial data in violation of the Family Educational Rights and Privacy Act ( XXXXERPA ).

My student loan records may have been accessed or shared improperly.

I am concerned that third parties have been given access to my information without my knowledge or consent. 


I have noticed unknown credit inquiries and errors in student loan reporting ). 
I am requesting a review of whether my loan servicer ( XXXX ) or DOE improperly disclosed my student loan information, which may have resulted in negative financial consequences. 

Attempts to Obtain More Information I contacted the Department of Education on XX/XX/XXXX to request records regarding this matter, but I have not received a satisfactory response. 
I requested any reports, documents, or records showing when and how my loan information was accessed, but the company has not provided clear answers. 
If this data was accessed improperly, I want it removed from my credit report and for the CFPB to investigate this FERPA violation. 

Resolution Requested : I request that CFPB investigate whether XXXX XXXX XXXX information was improperly accessed or shared without my consent. 
I request that any unauthorized credit inquiries or reporting errors be corrected and removed from my credit report. 

I request that my loan servicer ( XXXX XXXX and the Department of Education provide a full explanation of how XXXX XXXX XXXX records have been handled, including whether they were disclosed to third parties. 

If a FERPA violation occurred, I request that CFPB take appropriate action to ensure student borrowers data privacy is protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX Credit bureau and they directed me to loans for mortgage, I looked at them but did not apply. This information I believe with Lenders is provided and they take that opportunity to try to make an application for the person looking at it. 

Lending Tree actually sent me my fico score and then turn down as if I applied. 
I would have never applied as I am searching for a refiance and am talking over the phone with companies without opening up credit. 

this is a gimmick XXXX is using to sell to these Lenders to force lead generation without our permission. 

this is happening over and over again and I am going to file a legal complaint against their misuse of my credit.
Product: Credit reporting or other personal consumer reports

Please delete the late payment for XXXX XXXX XXXX
Product: Vehicle loan or lease

I'm an XXXX XXXX service members stationed in Virginia who leased a vehicle through Kia motors. I provided proof of XXXX XXXX status at the time of purchase but was billed incorrectly by Kia motors some months later due to the fact that Kia motors was incorrectly applying a county tax law to my lease. I spoke with Kia motors numerous times and even sent Kia motors the actual county law, proof of XXXX XXXX ID card as well as my XXXX XXXX orders that showed me stationed in Virginia, but not as a resident. Kia motors failed to act on this information and even failed to address this with the local tax office ; which eventually led me to speak directly with my local tax office. On XX/XX/2021, the local tax office, XXXX XXXX XXXX ( XXXX ), VA awarded me a refund of those taxes and returned the amount back to Kia Motors Finance. On XX/XX/2021, I received a call from Kia motors collections, demanding that I pay a past due amount that was related to those exact taxes that were incorrectly taken. I asked to speak to their managers on two separate occasion and at both times were informed that no one was available and that they would return my call, which never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) -XXXX XXXX
Product: Money transfer, virtual currency, or money service

I called Venmo customer service to get help transferring money out of my account into my bank. they told me they dont have access to their system so obviously I asked who I can talk to that can access the system and they said no one is capable of that. This customer service representative proceeded to get ruder and ruder as I asked to speak to someone who could actually help me as by this point she was just telling me that theres nothing anyone can do. All I asked was how to use a function that they offer in their app. Im confused as to why I would need to be speaking to someone who can not help anyone and then on top of that when I hung up in frustration, she deleted my drivers license and my bank statements I had previously submitted. What this means is they can disable my account at anytime after this information was deleted because there is no proof that the account belongs to me even though they need your ssn for you to open an account. I got this fixed my resubmitting the exact information she deleted it was restored for about an hour until I went to go take the money out of my Venmo account and transfer it to a bank mind you its {$30.00}. Most banks dont even bat an eye at {$30.00} but as soon as I submitted the transaction my Venmo account was suspended again. I dont understand why transactions are suspending my account when the app is only used for making money transfers. Theyre just mad because I said I was going to delete my account when I got the money out of it. So now theyre making it impossible for me to take my money and leave their service. Also Id like to point out that my account was unsuspended 20 minutes after I posted a bad review on their App Store reviews. Theres an entire XXXX page of people who hate this company and have been having problems with them for years. Its called r/venmo and thats how I found out to contact you guys.
Product: Debt collection

I received a letter on XX/XX/XXXX attempting to collect on a debt from XXXX. That same day, I went to the company 's website, specifically their 'contact us ' form and used the email : XXXX to explain that the debt was not valid and to stop contacting me, etc. However, their email address was no good and the email bounced so I used the 'contact us ' form on the same page to re-send my statement. Today, XX/XX/XXXX, I have received a further letter from XXXX saying that they have not received a written request asking to validate the debt and as such, they may now presume the debt is owed and undisputed. This clearly is not the case as I have now sent a further email, which again bounced, and another email using their online form. I attach below the emails sent as well as the email failure notification. Sorry, we were unable to deliver your message to the following address. 

<XXXX> : XXXX : XXXX [ XXXX ] : Recipient address rejected : Access denied [ XXXX ] -- - Below this line is a copy of the message. 

This debt is not valid. See the message below from XX/XX/XXXX. I  requested to cease communication with Arstrat and have received a letter today, XX/XX/XXXX, saying that I did not send a written request asking us to validate the debt. I already advised that the debt was invalid on XX/XX/XXXX. 
-- -- - Forwarded Message -- -- - From : XXXX XXXX <XXXX>To : " XXXX '' <XXXX>Sent : Saturday, XX/XX/XXXX, XXXX XXXX   EDTSubject : Debt Validity Dispute WID : XXXX I have received a letter in the mail today, XX/XX/XXXX insisting that I owe XXXX XXXX {$91.00} under account number XXXX with a service date of XX/XX/XXXX. I am disputing the validity of this debt totally. It is invalid as I provided my insurance information to XXXX XXXX at the time of service. I was required to have some XXXX work done by my doctor during my XXXX XXXX. I suggest XXXX XXXX request payment from XXXX XXXX XXXX, my insurance company. My ID with them is XXXX. Their phone number is XXXX. I have already provided XXXX with this information on two separate occasions with no communication following except for this letter now received from XXXX. I now request to cease communication with XXXX as is my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, so In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX # : XXXX, XXXX XXXX  : # : XXXX, XXXX XXXX XXXX XXXX : # : XXXX, XXXX XXXX XXXX : # : XXXX, have 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. 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.
Product: Credit reporting or other personal consumer reports

My name is incorrect on my credit report. My name is XXXX XXXX XXXX XXXX. They have it listed as XXXX XXXX and XXXX XXXX XXXX. This is my father. I have asked this be corrected as some of his debts continue to show on my report but i keep getting a generic response stating this has been verified. I am asking they do a real check and not computer generated. This information is false and is not me.
Product: Debt collection

On XX/XX/XXXX, I contacted XXXX ( cell phone carrier ) to close my account. I spoke to a manager who informed me that I needed to pay a balance of {$82.00}. I paid this amount using my XXXX credit card ( statement attached ). I was told my phone would be unlocked in a few days, which it wasn't. I phoned XXXX on XX/XX/XXXX to find out why my phone had not been unlocked ; they put through the request again and a day or so later my phone was unlocked. I activated a new cell phone account with XXXX XXXX XXXX ( email confirmation attached ). 
I kept getting emails from XXXX indicating a balanced owed. I phoned on XX/XX/XXXX ( 17 minutes ) to once again ask XXXX to cancel my account. I received another payment request, but each month they were adding charges to my bill. I phoned on XX/XX/XXXX ( 22 minutes ) and the representative assured me that my account would be closed and remove any remaining balance ( Ref. # XXXX ). I assumed by now the matter was finally resolved. Not so, because I continued to receive invoices. One XX/XX/XXXX, I called XXXX ( approx. 45 minutes ) ( Ref. # XXXX ). I do not have a printed record of this call because my billing cycle with XXXX XXXX ends on XX/XX/XXXX. XXXX admitted that the account should have been closed in XXXX. Once again, I was assured my account would be closed. Two days later I receive a letter from a collection agency, GC Services demanding payment of {$230.00}.
Product: Debt collection

XXXX XXXX at XXXX XXXX is claiming owe them {$2900.00}. I have no knowledge of this debt nor do I owe the amount claimed to be owed. Please provide full accounting and proof of lease/contract bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was brought to our attention from underwriting for a home mortgage and we are under contract and two weeks from closing. One payment from XXXX  during the pademic is preventing my approval and the negative information should not have been reported. I'm referring to year XXXX  which was a difficult year financially for my household. We were having challenges with our car payment. I received an extension on my account in XXXX and made a payment it was stated that the payment went towards XXXX but if I was approved for an extension in XXXX why was my credit reported that I was 30days late in XXXX and XXXX. I then was approved for a pandemic hardship program that allowed me to make one payment which I made in XXXX and XX/XX/XXXX payment and was approved for two past months XXXX and XXXX or XXXX and XXXX to be deferred to the end of the loan and my payments would be up to date nothing reflecting late. They stated that even though the program was approved and everything was up to date it still showed late payment and had to be reported automatically through the system. The way they report is a month delay or behind and it does not reflect the current account status that was reported to the agency. XX/XX/2021 was not a late payment on my account I was approved for an extension for that month and made a payment as well as made a payment in XX/XX/2021 and received approval for pandemic hardship XX/XX/2021 that took two past payments XXXX and XXXX that moved them to the end of the loan and my account was placed in a current status. But the report was reported for XX/XX/2021 as late. I am requesting for the XX/XX/2021 late payment to be removed from all credit reporting agencies because the information is not correct it was reported wrong.
Product: Credit reporting 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. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my XXXX XXXX account I have noticed there is some fraud and stuff i never authorized such as XXXX  XXXX XXXX XX/XX/2019, XXXX XX/XX/2019 on XXXX. This is all inaccurate information. 


Also on Equifax I am being hit with hard pulls that you I never authorized. This is also fraud on the following pulls XXXX XX/XX/2019 & XXXX
Product: Checking or savings account

I have been a Chase customer since the early 1990 's. I paid for protection for ATM fraud. Recently I was out of the country for 6 months for work and I had a slew of fraudulent ATM tradnsactions. I reported this to the police and they made an arrest. Still Chase won't reimburse the following ATM withdrawals. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX Now, this was only small portion of the fraud that I lost. I lost another {$40000.00} and I paid for ATM protection and Chase still won't refund my money. I have never had a problem in 30 years. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion 30 days ago. Requesting the removal of unauthorized inquires not attached to an open account.Requested they investigate this issue and in return send me the results of how they investigated. How they VERIFIED those inquiries on my current credit report as accurate. In which they did not do. I have no received anything requested SUCH AS my written signature on an application attached to those inquiries or an open account attached to those inquiries. Several attempts of contacting them and they only UPDATE the same information with a remark saying ( ACCOUNT IN PREVIOUS DISPUTE )
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you kindly examine the paperwork? Several of the listed accounts contain inaccuracies concerning reporting, amounts, and dates.
Product: Checking or savings account

Direct deposit is unavailable. I should have received my direct deposit on XXXX  XX/XX/year> today is now the XXXX I still do not have access to my funds. XXXX  I called capital one bank they informed me of a third party vendor outage affecting the deposits however they offer no resolution time. I need my paycheck funds. I believe this is a reg cc violation and should be made accountable for such violation. I work for a financial institution and this has been handled horribly, no accountability and when I've tried to call multiple times since the outage started then I can not get through.
Product: Checking or savings account

On XX/XX/2023, I tried to access my Credit Karma Money account. Credit Karma refused to allow me access to my account, despite my providing them with pictures of my drivers license, social security card, and birth certificate.