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

I am a female minority, which is currently being suppressed from achieving the American dream by Transunion. Recently, my rental history along with other changes was added to give a complete accurate account of my credit assessment abilities. Transunion failed to re-score or do a comprehensive risk assessment of my credit history and now their action is obstructing my application for a home and the opportunity to gain the best rates.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter again asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct this account : XXXX XXXXXXXX XXXX Balance {$1000.00}
Product: Student loan

I am writing to formally dispute the legitimacy of my student loan obligations transferred from Nelnet to XXXX. Due to serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act, I demand the immediate cancellation of all financial obligations related to these debts.

It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX or affiliated entities. This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law.

Legal Grounds for Discharge : 1. FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information.

2. Violation of the Privacy Act of 1974 : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals data managed by federal agencies and contractors.

3. Breach of the Higher Education Act : The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan to Aidvantage and subsequent data breaches demonstrate clear negligence.

4. Breach of Contract and Data Security Obligations : By failing to protect my sensitive information, both Nelnet and XXXX have breached contractual terms and obligations, rendering these debts unenforceable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my personal information and delete all of the accounts with errors which I have attached they are affecting my life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Citi Payment Investigations XXXX XXXX XXXX XXXX XXXX, SD XXXX To whom it may concern, XX/XX/24 After very poor customer service I was very upset and may have used language that upset the person who was offending me. I am very sorry I did this and it is not my nature. But your agent gave me a very hard time. So now your company wont talk to me. 
I canceled the credit card years ago and thought I had paid in full. As in you have never sent me a bill?? 
I recently checked my credit score and found a charge for about {$140.00}. I sent you a check for {$150.00} to cover any amount that may come up. 
I am enclosing your response requesting my account number. It says they need my account number and I havent had it for years. 
Maybe this information can help you ; My name is XXXX XXXX XXXX or I may be XXXX XXXX. 
Phone # XXXX XXXX XXXX Cell Old land line XXXX XXXX Current land line XXXX XXXX XXXX I was living at XXXX XXXX XXXX XXXX XXXX, CA XXXX when I had this account the address before that was XXXX XXXX XXXX XXXX XXXX, CA XXXX I have someone on the phone now and they are trying to help me. Thank XXXX. He is saying my account is old and they cant pull up how much I owe. But he was able to find it. 
You have all of my information here. Please pull up my account and let me know how much I owe so I can end this torture. 
Thank you for your help. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Someone open a fraudulent account with my name and social security i was not aware of the issue until i tried to open a bank account date report XX/XX/2014
Product: Debt collection

On XX/XX/2023, I checked my credit report and noticed a collection from Waterfall Revenue Group on my report for an alleged debt for XXXX. I was never notified about this alleged debt before being reported to my consumer report. This company inserted information on my consumer report without any consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, BK OF AMER add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

A few years back, I submitted a claim to Equifax for reimbursement of funds associated with efforts I had to undertake to protect my credit after Equifax had the serious data breach. On XX/XX/year> I received an email from Equifax indicating that I had a ballot claim and it was eligible for payment and that I would be sent an electronic prepaid card the week of XX/XX/year>. I did not receive the prepaid card or an additional email. I contacted Equifax last week and could not get a straight answer on the status of my claim. Here is a copy of the email I received from Equifax on XX/XX/year> at XXXXXXXX XXXX XXXX Eastern standard time. 

You have a valid claim and are eligible for an additional payment. It will be sent to you by electronic pre-paid card. 

You will receive an email from XXXX the week of XX/XX/year> with instructions to redeem your electronic pre-paid card. 

For more information about the Settlement, please visit the Settlement Website at www.EquifaxBreachSettlement.com. 

This notice is from the Court-appointed Settlement Administrator ( XXXX XXXX XXXX ), not Equifax. Please do not contact Equifax with questions. You may contact XXXX  by email at XXXX, by phone toll-free at XXXX, or by mail at Equifax Data Breach Settlement , c/o XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Debt collection

I disputed this account with a collection company called XXXX. XXXX  via XXXX  and even through the cfpb site and the company couldn't provide original contract with signature nor prove account even belong to me.A copy of a bill is not a valid method of verification, so by law this account was deleted and this company AFni must have purchased a recycled debt but unfortunately this debt doesn't belong to me and must be deleted or I will seek my attorney from XXXX XXXX XXXX in XXXX FL for damages and defamation.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX regarding XXXX XXXX XXXX ) unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place between XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I emphasized the critical importance of safeguarding personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the seriousness of the issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and assist others who may face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies. 
It is essential to understand that the name of a company must exactly match the name of the registrant as specified in its legal documents, such as articles of organization, articles of incorporation, certificates of formation, or charters. If the company name on a credit report or legal document does not precisely match the registered name, it may not be legally recognized as the same entity. This distinction is crucial because it can differentiate between a legally recognized organization and a nonexistent one, potentially invalidating contracts, disrupting the enforceability of agreements, and complicating legal proceedings. Ensuring the correct legal name is used, especially on consumer credit reports, is not just a formalityit is a fundamental legal requirement that protects the integrity of financial transactions and upholds consumer rights.
Product: Debt collection

SOMEONE OPENED MANY ACCOUNTS IN MY NAME, WHICH I HAD TO FILE BANKRUPTCY ON AND ITS INCCORECTLY REPORTING
Product: Money transfer, virtual currency, or money service

I bought {$500.00} of XXXX on XX/XX/12. PayPal had no problem taking my money and charging their industry-high fees. However ; when I try to transfer that money to an external address, theres an error message. PayPal customer service told me that its due to security concerns and it will clear in 48 hours. It has not cleared and its been longer than 48 hours. PayPal refused to credit me any transaction fees for this. PayPal claimed they have no way of overriding this.
Product: Debt collection

I have an account that was removed by one credit bureau but experian refuses to delete it even after I sent verification of this debt being removed by the other bureau for being inaccurate but they still keep saying that its verified
Product: Credit card or prepaid card

I signed up for auto payment, which I had set up to pay the previous statement balance on the date due. My previous statement balance was {$1200.00}, and was due on XX/XX/23. I decided to manually pay it a few days prior, and on XX/XX/23, the full payment of {$1200.00} posted to my account, and the auto payment should have been cancelled. Auto payment did not successfully cancel, and they tried to take it out of my account again on the XXXX, but was returned because I had already made the payment, and I was hit with a {$30.00} return check fee. I contacted customer service right away, and they said I would get a refund for that fee, since auto payment should not have tried to go through. I waited a few days, and after not seeing a refund, I contacted them again, and this time I was told I needed to wait for it to be posted to my statement before I could get the refund. So I waited an entire month, and as soon as it posted to my statement, I reached out again, but this time I am told its a valid fee, and it will not be refunded. This was a mistake on their end since auto payment should not have gone through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send equifax several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about several letters the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following late payment that is currently being reported on my credit report with the XXXX. As well as XXXX collection accounts that has remained non compliant as well as unverified. XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX Also Reporting inaccurate addresses that I currently DO NOT reside at in which I called several months ago requesting for them to remove from my credit report in which they are still reporting the following that needs to be removed XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX Violated In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 Section 609 Accuracy of item on credit Report and provided adequate evidence XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act 15 U.S.C 1681 Section 604 A Section 2 and 15 U.S.C 1681 section 602 A. - These accounts shall be removed/deleted immediately until they receive my written instructions. 
and thats it. 
Removed inaccuracy with in 15 days and provided written evidence method of verification to consumer.
Product: Debt collection

I don't recall having a contractual relationship with this collection company IC System. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to request an investigation and correction of the accounts listed below, which I believe to be incomplete and inaccurate on my credit report. 

The account in question is with XXXX XXXX XXXX, with an account number of XXXX and a balance of {$7900.00}. I find it unacceptable that this account is labeled as " XXXX XXXX, '' yet a balance remains on the statement. I request an immediate explanation for this inconsistency, as the balance is undoubtedly incorrect. I demand that you rectify the issue by setting the balance to XXXX or removing the item from my credit report entirely.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost concern to EQUIFAX regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that XXXX conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

called the number on the back of the chase credit card only to get directed to a scammer who asked for all the data on the user me then tried to sell me a XXXX gift for XXXX when i suspected a scam he hung up on me number in the back of chase card is XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Hi, I sign an Deferment Agreement on XX/XX/XXXX it was never credited to my account and Im still receiving fees for the status of my acct. when i try to pull up the deferment agreement it is missing. The agreement would have covered 2 half payments for XXXX and XXXX and then I made a full payment to cover the rest. The only payment outstanding as of XX/XX/XXXX is XXXX but they show XXXX, XXXX and XXXX payments past due. I cant even Monitor what payments are missing due to missing information on statements this company is a joke and how many times can one acct have these many problems. Im sick of having to report this one company. This is 100 percent retaliation and harassment against me for reporting them to the Federal government
Product: Student loan

XX/XX/XXXX - approved for Income based repayment -- payment is much lower than I 've ever paid, but my family size and income have remained the same XX/XX/XXXX - called to make sure IBR payment amount is correct ; account rep said my family size was incorrectly input as 6. Account rep says I need to resubmit my IBR application with correct family size.
Product: Credit reporting or other personal consumer reports

Its been about 3-4 months Ive sent out letters & I feel like my cases isnt being fully reviewed. Below attached is dispute letters along with verified accounts. The following accounts on my report does not belong to me at all!!!! I am asking that someone fully investigate my case it is fraudulent accounts that werent authorized by me at all. Please remove these accounts I am demanding a response within 15 days!
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report that I believe to be the result of identity theft. I want to clarify that this letter and the accompanying supporting documents are genuinely from me, and I affirm the authenticity of the documents enclosed. I am aware of the seriousness of the matter and the importance of providing accurate information when disputing items on my credit report. Therefore, I want to confirm my identity and the legitimacy of the documents I am submitting for your review. I request that you promptly investigate these accounts and take the necessary steps to rectify the inaccuracies on my credit report. I also kindly ask that you provide me with updates on the progress of your investigation as required by law. XXXX XXXX XXXX  XXXX. Please delete this account immediately.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( Mo ) 281 SW 715,719. I presume no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Product: Mortgage

Loan ID XXXX Amt paid : {$4500.00} Acct name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, CA I called on XX/XX/year> to LoanCare and spoke with someone named XXXX who took the payment from me toward my mothers account. At the end of the call, I asked her to confirm my checking account information would not be put on this account and she said it was on the account and whenever someone made a payment, they would replace my info with theirs. She was aware before getting my information that it was not my account and my information was not previously stored. At no point did she tell me my private personal information would be stored on this account or I would not have given it to her. I want it removed immediately, but its not my account so they will tell me nothing
Product: Debt collection

XX/XX/2024 I sent out a validation of debt letter to Aldous & Associates. They claim to have bought debt from XXXX XXXX and claim that I owe them {$96.00}. 

As part of my validation letter, I asked for the original agreement and they failed to provide my signature and covered it with it saying " digital signature '' and also a blurred photo of the member that they claim to be me. 

I do not own a XXXX XXXX account and I do not live in XXXX, CA. 

I live in XXXX XXXX on XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX and my accurate phone number is XXXX I did not even know the account number of this claim until it was provided by the collection company. 

My gym is 24 hour fitness for the last 5 years and my gym membership with them is still active. I do not attend XXXX XXXX. I am applying for an apartment and this is damaging my credit score. I need this removed. 

The company has also failed to provide me with their license to collect debt in California. They are located in Utah.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau ( EQUIFAX ) has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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 XXXX5 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. I request delete the not authorized hard inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

The interest rate santander charge my car was priced @ {$17000.00} the interest rate is {$20000.00} leaving me to pay {$37000.00} on a used car