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

Dispute of Fraudulent Activity on My Report To Whom It May Concern, I am writing to formally dispute certain information contained in my consumer report issued by Early Warning Services , LLC. I have obtained a copy of my report, and there is a statement that says fraudulent activity has been reported that I had no involvement with. 

The specific details of the fraudulent activity are as follows : Date of Transaction : XX/XX/year> Transaction : ATM Deposit of {$11000.00} Account/Reference Number : XXXX I assure you that I had no involvement in this activity, and I believe this is a clear case of identity theft or an error. I had tried numerous times to reason with the bank and inform them that I had nothing to do with this incident, I even attempted several times to report the transaction, however, each time I attempted, the customer service specialist would inform me that there was no prior information regarding me reporting the transaction. And each time before I would end the call with every specialist, they would tell me that they submitted the reported information and that it was stored in their records. To support my claim, I have screenshots of the emails I would receive after each call, despite that, I unfortunately do not have any records that illustrate the exact report of the activity. I have the emails that would indicate that I submitted a report and requested information : I kindly request that you investigate this matter and remove the fraudulent activity from my consumer report. This information is severely impacting my financial standing and ability to maintain my financial health. 

Please confirm receipt of this letter and keep me informed about the progress of your investigation. Should you require any further information or documentation from me, please do not hesitate to contact me at XXXX or XXXX Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S.

Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My XXXX Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Debt collection

Transworld system did not give me notice before reporting to credit report. I called them and they informed me that they mailed the letter to me which I did not receive.
Product: Bank account or service

THIS IS NOT THE FIRST COMPLAINT I MAKE AGAINST PENNYMAC. 
PENNYMAC DO NOT HAVE LEGAL STANDING, LEGAL CAPACITY OR LEGAL RIGTH TO CONTINUE ARRASMENT AGAINST ME AND MY ENTIRE FAMILY. 
THIS TIME THEY COMPLAINT WILL BE AGAINST PENNYMAC, XXXX XXXX, PHONE # XXXX, WHO ILLEGALY JOIN OR WAS HIRE BY PENNYMAC IN CONJUCTION WITH THE XXXX XXXX, BROKER NAME XXXX XXXX, LIC # XXXX XXXX WITH PHONE # XXXX. 
I ALREADY CONTACT MY CONGRESSMAN XXXX XXXX TO INVESTIGATE IN CONJUCTION WITH FCPB, TELEPHONE # XXXX, PERSON TO CONTACT XXXX XXXX DIRECTOR OF CONSTITUENT SERVICES. 
THE ISSUE IS NOT ONLY MY PROBLEM, IT 'S US D.O.J AKA. US DEPARTMENT OF JUSTICIE. THIS CONSTITUED STREAM FRAUD CONSTITUTE.
Product: Credit reporting or other personal consumer reports

Hard Credit Inquiry Removal Request Dear Sir/Madam, I am writing to formally request the removal of unauthorized credit inquiries from my credit report. I recently obtained a copy of my credit report from your bureau, dated XXXX and noticed several inquiries that I did not authorize. These are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously contacted these companies and requested the removal of these inquiries, as they were made without my consent. However, despite more than 60 days passing since my initial contact, I have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent a letter to XXXX and Experian ; asking them to investigate three errors on my credit report. Two months have gone by, and they have not responded yet. I have even sent follow-up letters that have not been responded to either.
Product: Payday loan, title loan, or personal loan

On Saturday XX/XX/2019 and today XX/XX/XXXX I have attempted to transfer funds to my navy federal loan and my navy federal personal line of credit but I have been unable to do so because their online site and their mobile app are both down when visiting the online site there is a notification of the outage being planned but you will only see this after you attempt to log in. There were no indications of a planned outage at their ATM, via a email or text and nothing shown on their website or app in advance of this outage. Customers could have planned in advance for banking transactions if they had known of this " planned outage ''. For me this is causing a tremendous issue because I have a loan payment and A checking line of credit line of credit that is due on the XXXX. In my current situation if I do not have it posted to my account before the XXXX my payment will be reported XXXX days late. This outage should have been something that customers were notified of in advance again so that they could prepare in advance, additionally this outage seems to have been planned on a weekend preceding the due date of thousands of customers credit card accounts, personal line of credit, checking lines of credit, and loan due dates which would be the date of the XXXX.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX {$520.00} XX/XX/XXXX XXXX {$380.00} XX/XX/XXXX XXXX {$400.00} XX/XX/XXXX XXXX credit accounts and collections are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I have some unauthorized inquiries and accounts reporting on my consumer report. Remove these from my report as they are damaging my reputation as a consumer and natural person. A FTC reported will be uploaded with this complaint. 

This document has also been sent Certified mail to this organizations offices.
Product: Debt collection

On XX/XX/XXXX, I was served with legal papers from Midland Credit Management , Inc., notifying me that they were pursuing legal action to collect a debt in the amount of {$2400.00}. This was the first time I was made aware of the debt. I had never received any prior documentation or debt validation letters from Midland Credit Management, as required by the Fair Debt Collection Practices Act ( FDCPA ). 

According to the FDCPA, Midland was required to send me a debt validation notice within five days of their first contact, but they failed to do so. Instead, they immediately proceeded with legal action. The papers were left at my family property, not even served to me directly. I had no opportunity to verify or dispute the debt before they escalated to a lawsuit. 

The debt is from an account with XXXX, XXXX, which was allegedly charged off on XX/XX/XXXX, and sold to Midland Credit Management on XX/XX/XXXX. Since I did not receive any validation or notice about this account from Midland, I was not given the chance to dispute the debt or request verification. 

Furthermore, Midland Credit Management has also reported this debt to the credit bureaus, negatively affecting my credit score, despite never validating the debt or providing documentation to confirm its accuracy. 

I am requesting that Midland Credit Management : Provide validation of the debt in accordance with FDCPA requirements. 
Remove the debt from my credit report if they can not provide proper validation. 
Dismiss the lawsuit they have filed against me, as they did not follow the required procedure to notify me of the debt before pursuing legal action.
Product: Credit reporting or other personal consumer reports

The unfavorable rating on my account is a source of deep concern. I'm gravely worried about its impact on my credit standing. This negative mark has already led to the rejection of a recent loan application and higher interest rates on my existing credit accounts. I can not overstate the financial hardship and emotional strain this adverse rating has inflicted and will continue to cause until resolved.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX is report my account past due XXXX times a month, driving my credit score down to XXXX.
Product: Credit reporting or other personal consumer reports

I applied for credit from XXXX XXXX and XXXX. Both received errors stating my Transunion was still frozen and they were unable to do soft pulls on my credit. I called Transunion and they stated that they did a permanent removal of the freeze. The error is still happening.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 asked for cancel unauthorized sent funds. 
XX/XX/XXXX cancel business account XX/XX/XXXX complaint technical problems and peper money removed from my account Cash app failed timely service and resolve technicality XX/XX/XXXX complaint and request of appeal account closure without notice/ consent violating ( CFPA ) ( PFB ) Act 's Consumer Financial Protection Act
Product: Credit reporting or other personal consumer reports

I am requesting a form 1099-C for a charged off Citibank account XXXX
Product: Credit reporting or other personal consumer reports

I do not have a contract with Portfolio Recovery and do not owe the alleged {$850.00}. I demand a validation of debt as well as well as proof of permissible purpose, I never gave them written permission or any consent to report anything on my consumer report. No consent is fraud 15 USC 1681b. I am not participating in the collection of this debt therefore they are furnishing deceptive forms, Cease And Desist immediately, 15 US Code 1692j. Please remove this account immediately. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to file disputes of my credit report to Citi Bank. All of my credit reports, XXXX, XXXX, and XXXX  do not have the correct monthly balance. They stopped reporting to the credit bureaus after my XXXX statement. They have attempted to start reporting the XXXX balance but it does not match my credit card statement. I have file disputes with all of the credit bureaus and have had daily calls into Citi bank to try and get this fixed. II have sent in several faxes to their dispute department and they have come back with " inssufient information or No issue found ''. For the Months of XXXX and XXXX, all my reports are showing " no data available '' Citi bank has not been helping me, and seems like they think there is nothing wrong. I have about 15 different credit cards and this has never happened before. It should be a simple fix since they have copies of my credit card statements, but they will not fix it correctly.
Product: Checking or savings account

From XX/XX/XXXX throught XX/XX/XXXX of 2022 The the First Horizon portal to monitor my business account has been frozen, I have been trying to resolve this issue ever since the beginning by reaching out to customer service to reactivate portal and issue to still remained unresolved. Finally my portal was reactivated on XX/XX/XXXX at XXXX and I have discovered there were several unauthorized transactions that caused my account to overdraft along with overdraft fees that's has been applied, I asked the customer service representative if she can please waived the fees but she was only able to waive {$70.00}, I also went to my local branch to have fees waived and they will not help me, I've tried to explain unauthorized transactions and they still refused to help, all I want is to have fees waived
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am having problems with alot of Inquries on my Transunion Report. there are Inquries that I did not authorized. its causing me problems with getting approved for loans and Credit Cards. if you can help me, I would Really Appreciate it.
Product: Money transfer, virtual currency, or money service

I placed an order on this website : XXXX XXXX XXXX When I checked out, it took me to the PayPal page of XXXX XXXX XXXX XXXX ). I made the payment- which is this transaction. I never received any confirmation email from this website for my order and I suspect this is a fraud site and PayPal account. I need a refund of the amount I paid - XXXX USD.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX along with the XXXX Credit Bureaus XXXX, Experian and XXXX have violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX has never received my permission and is falsely reporting this Account on my credit report as open with late payments. 

I do not recall opening this account and have any recollection of this credit line or balance reporting. It's labeled as a charge off. It is still reporting as late. Every time a dispute is put in my credit score drops because they add late payments.
Product: Debt collection

1. I state that I am the Defendant in this matter and contest the claims Of Plaintiffs assertions before this Court in the above-entitled cause. 
2. I strongly contend that the Plaintiffs Garnishment is invalid based on the following : A. I state that Plaintiffs did not properly serve me and that I was not aware of their summons and complaints dating back to XX/XX/2017. I was never served and did not RECEIVE ANY SUMMONS AND COMPLAINT AT THE address documents were alleged to have been served PURSUANT TO XXXX, Georgia Codes and Statutes. 


B. I state that this Garnishment has caused a severe and undue financial hardship upon me and my family. 

C. I state that there is even a jurisdiction question in this matter since it was originally filed in XXXX County. 

3. THEREFORE, I move this Court for Reconsideration and Dismissal of Affidavit of Garnishment. 

Respectfully submitted, /s/_______________________ XXXX XXXX, Pro se. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX [ L.S. ] I am contesting this matter on the grounds that the process of service was not served properly and the the amount shown on the complaint is NOT correct as to what it alleges that I owe. 
I state that I am suffering a severe hardship as a result of Cooling & Winters filing a garnishment against me in court. I have not been able to pay any bills such as my : mortgage notes, food, shelter and clothing for family, gas expense to and from work, and other financial obligations for livelihood!
Product: Credit card or prepaid card

I have had this Capital One credit account for 17 years and 3 months. It is the oldest account on my credit report. I have called numerous times over the past three years requesting that they send me a new card so that I can utilize it. With no response by mail or phone, I have still not received the card. Today ( XX/XX/XXXX ) when checking my account I have noticed that they had cancelled my account. I promptly called and asked why my account had been closed. They stated that I have not used my account for 36 months and that they have closed the account on ( XX/XX/XXXX ). I asked how I was able to use the account when I have not received the replacement card that I have requested. They admittingly said that they had sent mail to a different address but not the one that was currently on my account and received returned mail. I asked if they could just send me a new card at this point and reopen the account since it was an error on their behalf. Granted I had not received a letter of account closure and I had called only three days since they closed the account. They stated that they could not because of the fact that the account has had no activity. At this point, I am confused about why this is my fault or issues when there was an obvious mistake on their part. I also do not want my credit score to be affected being that it is the oldest card in my history. I am very prideful in my credit score that I have attained and would like to continue to retain it.
Product: Credit reporting or other personal consumer reports

I was looking for my credit report and noticed that there were hard inquiries that are not mine there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized credit reports from this company on my credit report.
Product: Credit reporting or other personal consumer reports

My previous complaint was XXXX XXXX and the details that I requested was willfully ignored. I asked for the information of transactions as proof of card usage before closing of account. Multiple complaints was filed requesting these details and l 've only received vague information along with details post closure of the account. I've recently learned that this behavior is a violation of the fair credit reporting and I will be due compensation if I can show proof of willful disregard. 
Legally all information required needs to be provide of the reporting account will be considered fraud and removed by the credit bureaus and compliance to fair credit reporting guidelines. XXXX progress stated that the account was used for purchases and no payments were made. Please provide the proof of these purchases with the merchant details dates and times. When the account was initially closed, there was a zero balance due to the fact that there was zero transactions ever made with the account. Please refrain from giving me information about fees and other accumulative matters post closure. 
Provide only the transaction, history of merchants in which those transactions transpired.
Product: Credit reporting or other personal consumer reports

Unauthorized inquires I did not give consent for these inquiries XXXX XXXX XXXX XXXX they are all fraudulent
Product: Debt collection

This company calls all day every day. I blocked the number than they call from local numbers
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
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 XXXX 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 ( 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. 
Accounts : 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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX  account has violated my rights XXXX  XXXX bank Account XXXX XXXX XXXX  Account XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602A. States I have the right to privacy.

15 USC1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a count without my written instructions and I did not give written instruction.

15 USC 1681c ( a ) ( 5 ) section 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 crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) 1 ( A ) a person shall not furnish Any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

DEPARTMENT O VETERAN AFFAIRS case number XXXX. 
They say I owe {$50.00} I am confused what this is for. 
Did not receive a letter from them nor is it list at XXXX. 
The V.A. owes me medical travel pay and they do this. 
XXXX Veteran who is unable to work.