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

I have identified unauthorized items on my credit reports that appear to be the result of identity theft, as I did not approve or open these accounts. Despite previous communications, these inaccurate items remain, causing me significant XXXX  and XXXX my ability to achieve important financial goals like purchasing a home and XXXX for my XXXX. These erroneous entries do not reflect my true credit history or financial management. If this matter can not be resolved promptly, I am prepared to pursue legal action to protect my rights and find a resolution. Removing these fraudulent items from my credit reports is of utmost urgency and importance to me. I have attached copies of my social security card and driver 's license to confirm my identity.
Product: Debt collection

XXXX XXXX XXXX in the amount of XXXX. 
This was paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Financial Services has been incorrectly furnishing payment information on my XXXX, XXXX, and XXXX consumer report. Pursuant to 15 USC 1666b I am to receive my statement 21 days before the due date ( Please see attachment ). According to the statement date, I did not receive my statement 21 days before the due date. Since XXXX of XXXX, the statement date and the day that I got the statement in regards to the due date has never been 21 days. The statement date in XX/XX/XXXX was XX/XX/XXXX and the due date was XX/XX/XXXX, which is only 17 days. Every month subsequently has been incorrectly numerically dated ever since. I was not late in XXXX of XXXX. The payment was made before the 30 days period was up. In fact, Toyota Financial Services never sent me the billing notice according to 15 USC 6802 or any disclosures indicating what my rights were. The bill on the online account does not include any of the disclosures required by California law. I never received all the proper disclosures from Toyota Financial other than the option to opt out of marketing by third party non-affiliated parties.
Product: Credit reporting or other personal consumer reports

I have Fraudulent inquiries on my credit profile that I did not authorize
Product: Credit reporting or other personal consumer reports

I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly XXXX and XXXX, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  has 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
Product: Debt collection

Ive been getting phone calls about this debt nonstop asked if they can stop calling the number because I never authorized anything. mailed out letters to me stating an amount that was owed and they sold this debt to a third party and would have to pay. phone calls through out the night or after regular business hours. Very rude
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for XXXX  to block and remove these fraudulent accounts immediately under FCRA or legal actions will be taken. I have sent multiple faxes to Consumer Affairs Office in XXXX, GA but no actions have been taken. 

These fraudulent accounts have caused me to lose out on job opportunities as well as denied applications from creditors because XXXX  refuses to remove these fraudulent and identity theft accounts. These type of matters need to be taken serious by XXXX. Please block and remove these fraudulent accounts within four days : 1.XXXX  XXXX / XXXX XXXX  | XXXX Balance : {$3000.00} 2.  XXXX XXXX / XXXX | XXXX Balance : {$3400.00} 3.  XXXX XXXX  | XXXX Balance : {$1400.00} 4.  XXXX XXXX  | XXXX Balance : {$8600.00} 5. NAVY FEDERAL CU | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 6. NAVY FEDERAL CU | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 7.  XXXX/XXXX XXXX XXXX XXXX | XXXX Balance : {$5000.00}
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/year>, I enrolled in two online courses at your institution. However, after realizing the significant workload required for these courses, I promptly contacted my counselor, XXXX XXXX XXXX, to request a withdrawal. I explained that I had a full-time job and would not be able to manage both work and the coursework. Despite my repeated requests, which included multiple emails and phone calls, XXXX XXXX did not process my withdrawal from the classes. 

Fast forward to today, and I have been notified by EdFinancial Services that they have reported to the credit reporting agencies that I owe over {$3000.00} for these courses, with payments marked as overdue by more than 90 days. This erroneous information has significantly impacted my credit score, which has dropped by XXXX points as a result. 

I have made several attempts to correct this matter by sending multiple emails to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX Additionally, I have made numerous phone calls, but to my surprise, nobody has ever acknowledged my emails. The phone system has also been ineffective in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I noticed items on my report that did not belong to me. I sent in a dispute to XXXX, Transunion, and XXXX  on XX/XX/2020. 

I did not get a reply so I sent additional information for the investigation on XX/XX/2020. 

Today is XX/XX/2020 they have not provided any updated information on the investigation such as verification or blocked accounts. 

I have provided all information related to how these accounts have been placed on my credit without being known or verifiable.
Product: Checking or savings account

PNC BANK Fraud XXXX Alert : Account duplicate Dark Web Cell phone ported Requested Account Closed XXXX XXXX New account/Identity Theft-Calls made received by impersonating representatives. 

Change made to savings account by external party unknown. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Product: Student loan

Ever since Mohela took over my loan it has been a comedy of errors. To add insult to injury just as payments returned after Covid funding ended, they decided to change their system. I started receiving notices that my account was in arrears via email. I called them and spend multiple hours on hold for them just to hang up on me. 

I finally was able to get someone on the phone, and setup my " new account '' along with setting up an autopay function with my checking account, and made a single payment. Wouldn't you know it, the auto pays are not happening, and I can not get into my new account. I can enter the old account, but not see payments since it tells me that I am in the process of being transferred to their new system. I already did this!!!!!!! 

When I attempt to create a " new account '' it says that I am not in the system. If I try to use forgot password, it says that I do not have an account. I tried all email addresses that I have, and get the same thing. It is and remains a Sisyphean XXXX in dealing with bureaucracy. 

I have once again tried to get someone on the phone to fix the issue, and spent multiple hours on hold after going through the labyrinth that is their phone system. The last time I was on hold for over 4 hours in my place of employment in the background. I heard someone pick up the phone after the 4 hours, and I could clearly hear a conversation and laughing in the background. They promptly hung up the call after a few seconds. I spent another subsequent hour on hold after that, and I had to return to my job. 

At this point I am considering suing Mohela for damage to my credit report due to their lack of professionalism, and inability to even deal with simplest of requests by consumers of their product. 

Please end this XXXX!
Product: Checking or savings account

A few days ago, my mother and I submitted XXXX separate refund claims with Wells Fargo related to XXXX transfers of {$500.00} and {$100.00} sent to a woman who promised to personally deliver the money in XXXX. Instead, she rerouted the funds through unknown third parties and withheld part of the amount. She later admitted she helps people circumvent sanctions by laundering money via XXXX and XXXX. 

Despite all the proof of fraud, my {$100.00} claim was denied without clear explanation. This is not the first time Wells Fargo has failed to protect customers from scammers or take financial abuse seriously. 

We sent the payments in good faith, not knowing we were being pulled into a suspicious scheme. We expected our bank to investigate more carefully and support their clients.
Product: Credit reporting or other personal consumer reports

Transunion continues to publish information previously investigated and fails to delete information on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I am currently trying to buy a house and I realized I had damages on my credit report According to 15 U.S.C 1681 Law there should not be any damages on my current credit report, this is a defamation to my character
Product: Student loan

My loans were fully discharged, and a credit balance remains that is supposed to be refunded directly to me. My account has been in a credit status as of XXXX XXXX. These accounts were removed from my credit bureau shortly after, but I still have not received the due refund. A refund remains in the amount of {$5300.00}. I reached out via email on XX/XX/2023 and was advised it takes 7 months from XXXX XXXX for my case to be processed. I also sent another communication on XX/XX/2023 but have not received a response.
Product: Credit reporting or other personal consumer reports

My consumer report contains accounts linked to identity theft that I never authorized with a written signature. I've previously contacted your organization about this issue and now formally request these accounts be promptly blocked and removed from my report. Their presence has caused me significant distress and inaccurately portrays my credit history and obligations. If not properly addressed, I may need to pursue legal action to protect my rights. These fraudulent entries have impeded important financial goals, including home ownership and providing for my family.
Product: Credit reporting or other personal consumer reports

I have multiple fraudulent and inaccurate accounts that have been reported on my consumer credit file. These accounts are not mine, and I am not legally responsible for them. Despite my efforts to dispute the inaccuracies directly with the credit reporting agency, they failed to take the necessary steps to investigate or remove the information from my report. The presence of this fraudulent information has caused significant harm to my creditworthiness and financial situation. I request that this matter be investigated further and the inaccurate information be removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX - XX/XX/XXXX -The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX -The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX  - XX/XX/XXXX -The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX -The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian on XX/XX/XXXX and XX/XX/XXXX they never responded to my dispute according to FCRA
Product: Credit card or prepaid card

Paypal allowed someone to order a debit card and it was sent to my home. The people who ordered it stole my mail and took the card. 

They activated the card and I IMMEDIATELY called when I got the notice of the activation. Within minutes they used the card at a grocery store ATM and purchased a money order at the same store. Total approximately {$1500.00}. They then used the card for an ACH withdrawl at the bank account associated with PayPal {$500.00}. The also hacked into 3 other bank account. 

They thieves went into my paypal account and change the phone numbers. 

I have a police report. We have the person who did it on video from the store. The person who sold the Money Order ID 'd the person from a mugshot I found because Paypal gave me the name of the person who did the ACH. 

Paypal refuses to refund my money. They are essentially accusing me of committing this crime because I logged into my Paypal account 35 seconds before the first ATM withdrawl. 

Seriously? You sent me a mail telling me to call if I did not activate the card. I called and also immediately logged into my account. Within minutes I saw the transaction and was in my car to the store when this happened and the police were called. 

PayPal is acting very irresponsibly in this case accusing me of committing this crime when they allowed someone to hack into my account. They would not even speak with me. They asked for no evidence, no police report. Their Trust and Security team simply made a decision based on my log in. 

PayPal need to be stopped from this kind of activity where they allow breached security and then accuse their own clients. I want my money back and I want paypal to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$85.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian, A couple of days ago I was shown a version of my credit file and saw several mistakes. I believe that these items are adversely affecting my credit scores and costing me XXXX of dollars in interest every year. 
Here are the accounts that I want verified as accurate : XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX I am sure you are aware that the provisions of Section 611 of the Fair Credit Reporting Act of XXXX are clear, I want these items to be cleared from all current and future credit reports.

I would also appreciate if you would please forward me the contact info of any individuals and/or organizations you spoke to so I can follow up with them directly. 
I am certain that 30 days is enough time for your company to conduct the i investigation of these items. 
If I am correct on Section 611 ( a ), it is understood that a failure to investigate these entries within a reasonable timeframe gives a reason to permanently drop these items from my credit record. 
Below you will also find the only personal information that should be listed on my credit report as well. 
Thanks,
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, 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 Government Efficiency ( 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 : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. 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. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancelled my  XXXX  account and paid the final monthly bill many years ago. For reasons that still have never been explained, there were additional charges.  XXXX  decided I owed them money while I was living abroad and never once contacted me by mail, phone or email about a debt. I was horrified to see it on my credit report a year later and immediately paid so it would not further harm my ability to get approval for an apartment.  <P/> They agreed that because I had paid quickly and they had no record of phone or email correspondence that they would erase the notation from my credit reports. Instead, it remains on my credit report as a paid collection with all  XXXX  bureaus -  XXXX ,  XXXX  and TransUnion.  <P/> To add insult to injury,  XXXX  made a hard pull on my  XXXX  credit report  in 2015. T his was years after I had terminated my relationship.  XXXX  had no credible reason to view my account, and   XXXX    had no authorization to share it with them.  <P/> In recent months, I have had a credit card number stolen and multiple fraudulent inquiries and mailing addresses added to my credit reports due to the clear attack of identity thieves. For all I know, this inquiry was due to someone stealing my credentials and trying to fraudulently open the account.  <P/>  XXXX  and the  XXXX  credit bureaus continue to report misinformation on the old account and, in   XXXX   's case, the fraudulent inquiry.
Product: Mortgage

In XX/XX/2017, I applied and was approved for a loan with Lenox Mortgage. They quoted a closing cost of approx {$900.00} to {$1100.00}. The company went through 3 loan processors on my loan due to lay offs etc. This delayed the closing of the loan by approx 6 months, and then charged me points to extend the loan. I paid over {$6000.00} in closing costs. They offered no relief. They said the informed the Vice President,  but I never heard from her,.
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. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$5500.00} XXXX XXXX {$2800.00} XXXX XXXXXXXX {$5700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$380.00}