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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$4000.00}, {$700.00}, {$3000.00}, {$3000.00}, {$4000.00}, {$1000.00}, {$3500.00}, {$100.00}, {$10000.00}, {$21000.00}, {$7500.00}, {$9000.00}, {$360.00}, {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

- ACCOUNTS - 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5700.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX XXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 

10XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

11. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a credit limit of {$21000.00} -This is not my account. 

12XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

XXXX XXXX 14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$360.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3400.00} -This is not my account.
Product: Debt collection

I have a collection balance for XXXX from a school, XXXX XXXX XXXX XXXX XXXX, that was paid off by student loans, that I am in good standing with right now, well they took the amount my student loans paid for and made it their own, even though they were paid in full, and I had no idea of this until it went into collections. I have tried to fix it and get information and give information but they really want tell me much except I owe it. Ive tried to dispute it its not working either. Since they would not give me any answers or help on how I can fix this issue I told them not to call me no more. Well they continued to call and would call back to back from different numbers so Ive tried to block the number, but they also started calling from block numbers and would even call my friends, I have no idea how they got their numbers, and would call them back to back asking questions about me like where do I work how can they reach me and if my friends would call or text me and have me call them, they have called my work multiple times and will still to this day call my phone from different numbers and will stop. This loan was not a real loan I never owed them anything and I do not know how to stop this or get this corrected
Product: Student loan

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 : 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. 
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: Credit reporting or other personal consumer reports

I am reporting deceptive business practice with RC Wiley and The collection company XXXX XXXX XXXX. I opened a credit loan with RC Wiley in XX/XX/XXXX. My loan went into default and was closed XX/XX/XXXX. The account was charged off {$2200.00}. My original account number with RC Wiley was XXXX. This account was turned over to the collection agency XXXX XXXX on XX/XX/XXXX with a balance of {$2800.00}. For the past year I have been reporting to the credit bureau inaccurate information reported to my account by both companies. First, both companies are reporting that I have balances on my account. Secondly the original charge off dates have been moved up to XX/XX/XXXX. And thirdly, XXXX XXXX is reporting the account with a different account number, XXXX, to appear as if its XXXX separate accounts being reported with their balance at {$3500.00}. They can not charge me twice for the same account. I have made several attempts to correct this issue with the credit reporting agency but they are saying the two companies are coming back with the remarks of all information is being reported correctly. Please investigate and either remove both from my credit file or remove the account that is being falsely reported. This is damaging to my credit file. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email from XXXX stating I needed to log on to my account to keep it active. When I attempted to log in to my XXXX account, I was unable to log in and tried changing my password as prompted but my account had been closed, not at my request. I submitted several emails asking for help in reactivating the account and was told in emails to first log on with new code ( which I attempted and could not do ) then to submit a webcam photo and a copy of the front and back of my ID, which I did not feel comfortable doing and stated as much. I asked 4 times for someone to contact me by phone which they have not done. 

The dates of the emails I sent to inquire how to reactivate my account are : XX/XX/XXXX XXXX emails on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The amount of my original investment was {$250.00} on XX/XX/XXXX with a subsequent amount of {$150.00} on XX/XX/XXXX invested for a total of {$400.00}. 

Thank you in advance for your help regarding this matter.
Product: Bank account or service

BBVA COMPASS is committing fraud by deliberately giving incorrect info on fees to consumers on phone. I phoned XXXX to ask for fees to close XXXX account open less than six months. Was told no fee. This is incorrect. Fee is {$25.00}. BBVA is deliberately misleading consumers so it can profit from fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has defamed my character, I have tried several times over the last few months to exercise my federally protected right to extend credit and because of the defamation of character and my reputation being damaged based on the information that is displayed on my consumer report, I have been denied credit continuously.

I have also tried several times to contact Experian to have them remove the information, the case would open and 2-3 days later, the case would be closed with no explanation OR it says the information has been updated but there are no changes to my consumer report.

The inaccurate information that Experian has placed and allows to continue to be displayed on my consumer report is making it impossible for me to take care of my family and get the items that we need for my personal household.

There area also inquiries on my consumer report that need to be removed as well.
Product: Money transfer, virtual currency, or money service

regarding the suspension of my Airtm account, which still holds my funds. According to there notification, my account was flagged for allegedly sending scam money. However, after reviewing the transaction IDs mentioned in your report, I have found that none of them are linked to my account or my activity. 

This wrongful suspension has caused me significant inconvenience, and I believe it is a mistake. I have attempted to contact your support team multiple times, but I have not received any response or resolution regarding this issue. 


Best regards, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove addresses on my credit report, employers and wrong names. 

My only address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX My only name is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 


Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Subject : Cease and Desist Demand and Request to Correct Inaccurate Reporting To Whom It May Concern : I am writing to formally demand that you immediately cease and desist from reporting inaccurate information on my credit report. Specifically, the information in question includes a derogatory mark of XXXX XXXX, as this account has been closed, yet it still keeps recurring on my credit report. XXXX XXXX acct # XXXX, Account type Credit Card, has been charged off, yet you still are reporting this account as OPEN. These inaccuracies have cause significant harm to my creditworthiness and financial stability.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 et seq., I have the right to dispute any information that is incorrect, or unverifiable, and I expect a timely and thorough investigation. Despite previous attempt to resolve these inaccuracies, they remain unaddressed, which constitutes a violation of my rights under the FCRA. 

Furthermore I am aware that Experian an XXXX is currently being sued by the Consumer Financial Protection Bureau ( CFPB ) for noncompliance with the FCRA and other consumer protection laws, including mishandling consumer disputes and providing misleading information. This lawsuit highlights Experian 's ongoing failure to comply with legal obligations to correct and report accurate information. 

As part of this demand, I request the following ; I'd like a Forward Flow Agreement. I'd also like a Chain of Assignment.

1. Immediate correction from all bureas or removal of the inaccurate information from my credit report as required by 15 U.S.C 1681i ( Investigation of Disputed Information ) 2. Cease and desist from any further communication with me, except as required by law or to confirm the resolution of this matter.

Failure to address this matter within thirty days of receipt of this letter will leave me no choice but to escalate my complaint to the CFPB and pursue any additional legal remedies available to me under the FCRA. 

Please provide written confirmation of your compliance with this demand with the stated timeline. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Called my job phone instead of my personal number. I do not know how they got the information but the contact number was never given to them. It is for some debt that I do not know anything about as well. They are using information that was not given to them.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$8.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$25000.00}
Product: Checking or savings account

There was a fraudulent debit on my checking account at a XXXX gas station in XXXX California on XX/XX/XXXX for {$99.00}. I am not in XXXX California and my card is with me. I placed a claim with Citibank on XX/XX/XXXX and was promised a provisional credit within 10 days. Citibank has not provided the provisional credit has not resolved the claim and had not researched the fraud. I have called 4 times, reached out through their website, their online banking service, and through social media, and no-one can help. It is now XX/XX/XXXX, and when I called today, I was told we are still researching the claim and it will take 48 hours. This is the THIRD time I have been told this exact same information.
Product: Debt collection

The credit bureau has my Social Security number wrong so this company has reported this bill with the credit bureau and I do not oh the bill so I disputed it telling them that it does not belong to me and I can prove it with my Social Security number And i lost the dispute And the bill has been put in collections
Product: Student loan

I requested to have my 21 federal student loans consolidated into one account. Navient is the new servicer and has not provided a correct accounting of the total amount due. I made a payment to the previous servicer that Navient charged me for as well as another fee that was not explained, I assume it is a processing charge. Finally there is a credit amount that does not equate to anything and has no explanation. I have requested on multiple times and even provided them with the account details provided to me by the previous servicer. However, Navient seems unable to explain these figures to me. How can they be a financial services company and provide no explanation of the financial accounting of their products?
Product: Credit card or prepaid card

A credit card was opened under my name with XXXX without my knowledge or authorization. I disputed this card with Experian and the dispute closed with Experian stating that the card wont be removed from my credit report-even though I stated I never opened the account. I contacted XXXX as well and was told no account was created under my social security or name-yet it is still being reported to Experian. My biggest concern is having someone use the card and the charges affect my livelihood.
Product: Debt collection

I previously had an account with XXXX back in XXXX. Upon making payment in XXXX of XXXX ; my service was disconnected days later. When I called to find out why my service was disconnected ; I was informed by XXXX that it was a mistake on their end due to miscommunication between the payment processing department and the service department. They waived the reconnection fee as a result. The following month XX/XX/XXXX, the same thing happened and when I called in to find out why service was disconnected I was given the same reason and they waived the reconnection fee again. The following month after that XX/XX/XXXX ; the service was disconnected again days after payment was made for the third time in a row and at that point I did not call XXXX back to reconnect the phone as they were in breach of our contract for not providing reliable service with payments being made on the account. This is why the only outstanding debt that is trying to be collected is an early termination fee. The reality is XXXX breached the contract so if anyone is entitled to an early termination fee ; it is I who should be entitled to collect an early termination fee from XXXX. 

EOS CCA bought the debt from XXXX years later and are reporting that the account was opened on XX/XX/XXXX. The XXXX account was opened prior to XXXX and closed in XXXX. I have contacted EOS numerous times asking for them to provide a contract showing that I opened the account on XX/XX/XXXX which they have failed to respond to or provide paperwork supporting as such ( because it does not exist ). I currently have XXXX which I opened the third time that XXXX disconnected my phone after payment was already made and my XXXX account was opened on XX/XX/XXXX.
Product: Debt collection

Loan with : Mohela/Dept , of ED XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX # XXXX Beginning acct # XXXX ...... 
Account type : Educational Credit type : Installment Open since : XXXX XXXX Current Balance XXXX Highest Balance {$4800.00} Remaining term : XXXX  months I've never opened a student loan in my name. When I called for information, the customer service rep wanted to sell me insurance. they had no information about a student loan.

No one from Mohela/Dept. of ed has ever contacted me regarding this debt.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to formally notify you that your company has failed to provide adequate notice in accordance with 15 USC 1602 ( k ). Specifically, your company did not clearly and conspicuously disclose the pertinent facts of this transaction. Furthermore, you did not inform me about the cost of credit, and the only evidence of indebtedness provided was a computer-generated agreement.

Under 15 USC 1602 ( k ), " adequate notice '' is defined as a printed notice to a cardholder that clearly and conspicuously sets forth the pertinent facts so that a person against whom it is to operate could reasonably be expected to notice and understand its meaning. This notice can be given by printing it on any credit card, on each periodic statement of account, or by any other means that reasonably assure receipt by the cardholder.

Due to the lack of adequate notice as required by this statute, I was unable to understand the terms, which constitutes a violation under 15 USC 1602 ( k ).

Additionally, according to 15 USC 1601 ( a ), consumers must be made aware of the cost of transactions. Because I was not informed, I made an uninformed decision, resulting in multiple billing errors and unfair credit card practices. 

Moreover, I have not benefited from this transaction, which constitutes a violation of 15 USC 1602 ( p ). Under 15 USC 1602 ( p ), " unauthorized use '' means the use of a credit card by a person other than the cardholder without actual, implied, or apparent authority, from which the cardholder receives no benefit. 

In light of these violations, I request the following actions : DELETE THESE ACCOUNTS OFF OF MY REPORT AND VALIDATE THE DEBT 15USC 1692G ( XXXX ) XXXX XXXX XXXX XXXX XXXX  If my requests are honored, I will refrain from escalating this matter to federal court. However, if my requests are not met, I will pursue legal action against your company for compensatory damages. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX All XXXX Reserved Without Prejudice
Product: Money transfer, virtual currency, or money service

I sold Litecoin and Ethereum on Coinbase on XX/XX/2018. I sold {$30.00} Ethereum and {$53.00} Litecoin. Both amounts were supposed to go into my XXXX XXXX account ending in XXXX about a week after XX/XX/XXXX. It has been almost a month and I have not received any money. I contacted my bank and they said they have not received any deposits from Coinbase. They told me to contact Coinbase and tell them to file a claim. Coinbase told me they will look into it and put a " specialist '' on my case. I have not heard from them at all. I have proof of all transactions and proof I have not received my money. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never initiated a loan with Affirm, but they refuse to acknowledge that this is an error or fraud. the company that actually sold the product agreed that this was in error and credited /canceled the order. Affirm, the loan company will not remove it from my credit report and continue to harass me for payment. 
i have filed a complaint with the XXXX  ( complaint # XXXX ) i have also filed a complaint with the Attorney General consumer protection ( complaint # XXXX )
Product: Credit card or prepaid card

XXXX account was open with XXXX without my authorization due to fraud. Account opened on XX/XX/2022 and the limit of the account is {$500.00}. 



And another account was open with XXXX XXXX  without my authorization due to fraud. Account opened on XX/XX/2022 and the limit is {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter on XX/XX/2020 disputing the negative item on my report. I still haven't received a response and it has been well over the 30 days given by the Fair credit reporting act for re-investigation. I sent out another certified letter on XX/XX/2020 because I wanted to know the progress of my investigation. On XX/XX/2020, I submitted a complaint with the CFPB but you stated that it wasn't me. This is unfair! I've been working so hard to correct the wrongdoings on my report. I have now submitted two forms of identity for verification. Please take my complaint seriously. It's almost been three months and I still haven't received a response. This is a direct violation of my rights and action has to be taken so that the incorrect information on my report is removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

creditor is in VIOLATION OF MY PRIVACY RIGHTS 15 U.S.C. 1681 section 602 A.I have the right to privacy.15 U.S.C . 1681 Section 604A 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.