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

I am filing a formal complaint regarding my student loan provider and the DOGE Department of Government Efficiencys alleged breach of student loan contracts and potential violations of the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. According to an article published by The XXXX XXXX XX/XX/year>, my student loan information may have been improperly accessed, shared, or otherwise mishandled without my consent.

I request that the CFPB investigate this matter and ensure the following : 1. The immediate deletion of my student loan information from all relevant systems, databases, and third-party entities.

2. Accountability for any parties found to be in violation of FERPA, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, or other consumer protection laws.

3. Remedial action to prevent future breaches of student loan data and ensure compliance with applicable laws. 
XXXX, my student loan provider, has not responded to my initial request for information.
Product: Vehicle loan or lease

Denied credit basis for denial was not valid stated too many inquiries as for denial derogatory remarks not quantifiable ethier
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1981 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXXXXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXXXXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


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

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

This morning, I discovered incorrect accounts appearing on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the inaccurate accounts remained. Due to this issue, I request a thorough review of the documents I submitted so I can stop worrying about this matter.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint XXXX the XXXX XXXX Breach Notification report, and a prior Validation of Debt letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XX/XX/XXXX, I sent out letters to the U.S. Bankruptcy Court in XXXX, FL as well as Experian, XXXX and XXXX  requesting that the bankrupcty discharge on my credit reports be removed because they are inaccurate and non-verified because the courts do not verify with CA or third parties.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue that I have been facing with Wells Fargo bank. Between XXXX and XXXX, I had an account with Wells Fargo that was closed by the bank for no apparent reason. This sudden closure caused me to suffer financial losses, and to date, Wells Fargo has not reimbursed me for the money I lost. 

I have tried to contact Wells Fargo numerous times to resolve this issue, but I have not received a satisfactory response from them. As a result, I am now reaching out to your organization for help in resolving this matter. 

I strongly believe that Wells Fargo owes me the money that I lost due to the closure of my account. I hope that your organization can assist me in recovering my funds and holding Wells Fargo accountable for their actions. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

The number being contacted is my employer phone number, XXXX. I work for a XXXX and can not take personal calls on my work line. The first time I was contacted was the week of XX/XX/XXXX, the second time was today, XX/XX/XXXX, at XXXX XXXX EST. The first time I received a phone call, I contacted the number and told a collections representative that the specified phone number ( XXXX ) was my place of employment and not to be contacted. I advised if they wanted to discuss the debt they were calling for, to send a letter to my home address for me to review. I again, advised, to place a DNC on my account. I used to work in XXXX, so I am familiar with the regulations regarding consumer protection. Today the same representative, XXXX with GLA collection company, phone # XXXX, contacted the number I requested DNC ( XXXX ) XXXX again and left a voicemail. I contacted her back and advised her this was the second time I was reporting not to call my place of employment and that if it happened a third time that I would file a complaint. Rather than record that into my account, and send a paper correspondence as I requested previously, she continued to talk over me and harass me about paying my bills. I told her I would file a complaint and disconnected the call. 

This company has refused my request for written correspondence and continues to call my place of employment as a form of harassment. 

I believe the debt they are collection on is a student loan which is no longer on my credit, which I have been paying back directly to the Department of Education since XX/XX/XXXX. 

I want all calls to cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

The Citi AAdvantage Credit Card is deceptive in its aggressive marketing of XXXX of the primary benefits of the card : First Baggage Checked Free & Group 1 Boarding when XXXX XXXX ticket is purchased using the XXXX. The benefit is only available to the cardholder who 's XXXX Number appears is attached to the account, regardless of how many cardholders are on the account. When I contacted the Citi AAdvantage Customer Service Line, the representative admitted that this is their # 1 complaint. 
They are forcing consumers to take on unnecessary debt ( get more than one card per household ) by limiting these benefits.
Product: Credit reporting or other personal consumer reports

An unauthorized inquiry appeared on my credit report today, and I am utterly baffled as to why. My regular review of the report revealed these unexpected discrepancies. I even refreshed my browser multiple times, thinking it might be an error, but the unauthorized inquiry persisted. I am highly frustrated and demand that the documents I submitted be checked thoroughly to ensure this issue is resolved permanently.
Product: Credit reporting or other personal consumer reports

Review my credit report for inaccurate information and upon checking, Ive noticed numerous accounts thats not mine and incorrect social security activities. Ive sent all documentation over to each credit bureaus proving my identity and factual information that these accounts are not mine and should be removed. After numerous attempts working with credit bureaus and extending my own investigation with the consumers, Im still at a lost end that my social security number can be used by someone else and not be penalized. Each bureaus didnt properly investigate this manner and the refusal to remove is absurd. I sent ftc reports, ic3 reports, cfpd reports, valid social security number, copy of valid drivers license, proof of residency, etc. 
I would like for this manner be taken seriously and accounts removed. If this last chance of efforts are not fulfilled, I will take legal action against these companies. 

1. XXXX XXXXXXXX XXXX XXXX ( Auto- balance of {$12000.00} ). 
2. XXXX ( auto- balance of {$5400.00} ). 
3. XXXX bank ( credit card balance of {$2500.00} ). 
4. XXXX XXXX ( balance of {$4000.00} ). 
5. XXXXXXXX XXXX ( balance of {$4800.00} ). 
6. XXXX XXXX ( balance of {$860.00} ). 
7. XXXX XXXX XXXX XXXX ( balance of {$1400.00} ).
Product: Credit reporting or other personal consumer reports

This is my second 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
Product: Debt collection

Hi, I already called you guys directly and you told me that you will remove it from my credit because this was due to identity theft or fraud. Not mine account! : I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Mortgage

Veteran with XXXX, trying to refinance home to lower years and lower payment, found out my VA home loan got changed by PNC to a conventional loan. Having a hard time doing a VA streamline refinance when you 're being told you do n't have a VA guaranteed loan anymore. Have talked with numerous people at PNC, some say records have been purged, VA does n't have to guarantee a loan ( I already had a VA guarantee in XXXX on this home before I refinanced with PNC in XXXX ), all my closing Documents for XXXX state VA rider, VA guarantee, and so on, my hud-1 says VA. I would like this done ASAP so my new refinance can proceed expediently
Product: Mortgage

I requested the name of my original investor, a copy of the wet note, and the legal status of my account in XXXX of 2015. I never received this. In XXXX, the " servicer '' filed a claim against my home in a bankruptcy proceeding although I 'd never missed a payment. I filed the BK XXXX for other reasons. The " servicer '' has still not complied with my request, so how can they legally file a claim when they cant even show proper chain of title, or refuse to do so? Second issue is that they raised my Escrow, alleging an Escrow shortage. By their own admission, there IS no shortage, but for some reason, the Escrow Department has n't relayed this to the rest of the departments, like the department that processes payments. The servicer refused to post my payment unless I included the additional ( and incorrect XXXX Escrow, which makes paying my other household bills even more challenging. I cant afford to pay something that I do n't owe, and by raising my Escrow {$100.00} MORE than what it should be, it is putting me in a tight bind.
Product: Vehicle loan or lease

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Product: Credit reporting or other personal consumer reports

To my knowledge, FCRA 605B states that inaccurately reported accounts should be removed from credit reports. I'm uncertain about the specifics, but please review the accounts detailed in the documents. They're inaccurately reported on my credit history, including erroneous account information and statuses. This situation has upset me, and I'm feeling unwell. I'm reaching out for your assistance.
Product: Credit card

I got a missed payment email yesterday for payment due on XX/XX/XXXX. I had set up automatic payments which I thought was enabled. Further investigation on my part showed that I also had a missed payment in XX/XX/XXXX. Per my conversation with customer service rep, TD bank card services changed they automatic payment process. Further conversation indicated that i have not received a paper statement in a while which is my preferred method. Per the rep I would have had to request e-statements and when she tried to help me navigate to the option to enable paper statements but the option doesn't exist to opt in or opt out of paper statements. Per rep mailers were sent out regarding the automatic payment changes via mail, then I stated that I have not gotten any correspondence from them except a letter notifying me of my credit limit decrease back in XX/XX/XXXX. Also they noted that credit limit decrease was due to late payment which was supposed to be an automatic payment. Furthermore I got a total of {$69.00} in late fees as result and apparently they are charging a fee for charging interest. So i get a fee for charging interest after they charge me interest. This is a classic case of predatory practices. In regards to my credit limit decrease they also cited delinquent accounts on my credit report. I checked with all three bureaus and there are no delinquent payments in my history except for one in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by  XXXX  's salesmen that the first inquiry on my experian credit report will be a soft inquiry, however it is reporting as a hard inquiry on my report, therefore I would like it removed immediately. i have two inquiries on my report, so i would like the both of them removed since i was fed inaccurate information by  XXXX .  <P/>  XXXX   XXXX /  XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Automobile Dealers, Used  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX  Auto Financing Companies  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.