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

In XXXX when I lost my job I got behind on my student loan at XXXX/XXXX. The loan then went into default. My loan was passed over to a collections loan company with the option that it could be repurchased by XXXX when I made 9 consecutive payments. I was also told that the 120 late finding would be removed. I made the payments and then the loan went back to the regular lender. However the 120 late fee was never removed after many requests. Finally in XXXX the loan was consolidated by XXXX. However XXXX still will not remove the 120 late fee. Recently, while checking my credit report I saw that XXXX XXXX has reactivated the loan and is saying that I owe {$13000.00} - although XXXX has purchased my loan at its in consolidation. How can my loan be in consolidation with XXXX AND owe {$13000.00} at the same time?
Product: Credit reporting or other personal consumer reports

There are 2 fraudulent accounts on my credit report that do not belong to me. I did not authorize anyone to open these accounts or have any knowledge of them other than tge accounts being present on my credit report. I filed police reports for tge fraudulent accounts. 

Names and amount owed of fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I banked with XXXX since XXXX of XXXX and shortly opening the checking account I noticed some very tedious transactions from Paypal. I contacted my bank and asked them to dispute these fraudulent charges and they said they would. 2 months after XXXX sends me a verification stating that some were credited and others were found that they had been legitimate! How I told them they were not my charges!? I contacted Paypal in XX/XX/XXXX to discuss how this may have happened and advised them the only time Ive done business with PayPal was roughly XXXX. I gave Paypal all the information they requested from me to discover 2 accounts had been tied to my name fraudulently and requested they be disputed and terminated. I gave Paypal several phone calls between XXXX and XXXX of XXXX and there still has been limited action taken to help me resolve this matter. In XXXX XXXX removes me as a consumer setting my account XXXX XXXX in the negative and Im now without a financial institution and the bank claims to have had fraud liability protection. I have submitted proof to the XXXX branch on XXXX XXXX XXXX XXXX Kentucky. The bank never took my account seriously even after I had disclosed in specific my need for the account coming from XXXX XXXX that handles my XXXX funds monthly. I was told no chArges for atm transactions not true, I was charged for my first order of checks that was free, I learned the hard way that my account was in fact not a real checking account but considered a cash account? I had that fixed! I used to stand high about my thoughts of these financial institutions and now am just overwhelmed with anxiety and stress not having much appreciation for myself its that bad. Im suffering terrible hardship Im being harassed and I keep begging to make this all a thing of my past. These companies do not care about us small time consumers we are just trash or thats the way I sure do feel after this plus much more.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies which are Transunion, XXXX, & XXXX   have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, Transunion, & XXXX ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Incorrect Name - XXXX XXXX XXXX Employer- XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXXXXXX, CO XXXX Incorrect Name - XXXX XXXXXXXX
Product: Debt collection

My mother, XXXX XXXX XXXX XXXX, who is not listed as a party on my credit card or personal loan accounts, received a debt collection call from Wells Fargo about my outstanding debt. I believe the intent of the call was to shame me into payment. The call was made during a period when I am working with a third party, XXXX XXXX XXXX, on consolidating and reducing my debt with the bank. The call resulted in the improper sharing of my financial information and placed me in a bad light with my family.
Product: Credit reporting or other personal consumer reports

This company need to remove this fraudulent item. It is not my responsibility to conduct the investigation for the company I supplied multiple police reports from the cities I was visiting at the time where the incident could have possibly taken place. Santander is knowingly reporting a fraudulent item on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also I have attached the letter I sent out and the tracking numbers are listed in the added evidence According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.Im not sure if the bureaus Transunion XXXX or XXXX have their own interpretation of the law but there are standard operating procedures used to verify information and it wasnt properly done because as you can see there are still many inconsistencies within my report see attached documents for highlighted items. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report Listed in the attached documentation lists violations and items that need to be deleted because they are reporting inaccurate across all three bureaus.
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 confidentiality under 15 USC 1681. 

Account name : 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 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.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX and this statement is being composed on my behalf. Under FCR Section 604F prohibits a person or company from using or obtaining a consumer report unless the consumer used the report and is obtained for a purpose for which the consumer report is authorized to be furnished under FCRA section 604. Also, FCRA 1681S-2 states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Lastly, per 15 USC 1681-4 consumer reporting agencies have assumed a vital role in assembling and reevaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness impartiality and respect for the consumers rights to privacy. I am demanding the removal of the accounts ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX/XXXX/25 it was determined that capital one banking was having technical issues therefore many features were down including access to mobile banking and accounts. I normally receive my deposit in my account Thursday mornings and my deposit was not in my account XX/XX/scrub>/25. I logged into my bank, checked for my regular email I get from them weekly and didnt have anything. I called and tried working with them on establishing where my money was and when I could expect it. My account wasnt showing any deposit and they didnt give me a timeline on when I will receive it even though my company had already processed payroll. Capital One is holding my direct deposit and therefore Im not able to pay bills, buy groceries, pay credit cards or transfer money to another account to pay my bills on time. My direct deposit is money I work for from my company and with Capital One not giving me an answer on when I can expect it - Im missing insurance payments etc. The phone line waits exceeds XXXX hours, nobody can help on the mobile app or website. It directs you to call a XXXX number but you cant get a representative on the line.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 my phone lost service around XXXX I tried to turn phone off and on noticed that my phone still wasnt working I then proceeded to check my email and noticed password reset to my email and coinbase account using sms XXXX. After noticing what was going on immediately contacted former cell provider XXXX XXXX XXXX XXXX XXXX them to transfer back my number to my phone because it was an unauthorized transfer, and regained access around XXXX to my cellphone. I than email and called coinbase number to lock my account which they failed to do and allowed the pending transfer that was on temporary hold until XX/XX/21 from XX/XX/21 to XX/XX/21 Ive been in contact with coinbase support who admitted in email they noticed and unauthorized transactions stealing {$7000.00} out of my account and additional {$1000.00} from my bank and that it was my fault for not securing my information properly which is false I did secure all information. They also repeatedly blocked my email every time I responded to them. On XXXX coinbase reveal that there was a breach in the company dating back to XXXX and XXXX customers including myself was a victim to hacks by a bad actor and that they would refund customers affected. On XXXX I asked company for promised refund due to the company security flaw they denied security flaw and reimbursement and stated that it was my fault today on XXXX that my information was breached and that they wouldnt reimburse me. I think the company is stealing from the customers and trying to cover it up since they are not regulated.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 XXXX $ my ex now use my phone and sent himself money of a total of XXXX out my account and I wasn't aware of this
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has put a freeze on my report, they stated they sent out a code that is required to unfreeze my report but i have yet to receive it in the mail. Transunion is also displaying a number of inaccurate delinquite accounts that are affecting me from accessing credit from other lenders this is an unfair practice according to the FCRA pursuant to 15 usc 1692e8 False or Misleading representation. I just ask that all negative accounts be deleted immediately. I have endured emotional distress from this company and trying to get them to come with a solution. if this matter is not resolved i will pursue litigation against Transunion in this matter of suing them for actual damages sustained. This statement is deemed to be true and accurate. 

-sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recently Received A Copy Of My Credit Report And I Came Across Some Inquires Here Are The Inquires And Dates In Question 1.XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX 2.XXXX  XXXX XXXX Inquired on XX/XX/XXXX 3.XXXX  XXXX XXXX Inquired on XX/XX/XXXX 4.XXXX XXXXXXXX Inquired on XX/XX/XXXX XX/XX/XXXX 5.XXXX XXXX XXXX Inquired on XX/XX/XXXX 6.XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX 7.XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX 8.XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX 9.XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX 10.XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 11.XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 12.XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX 13.XXXX XXXXXXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX 14.XXXX XXXX XXXX Inquired on XX/XX/XXXX 15.XXXX XXXX XXXX Inquired on XX/XX/XXXX That I Do Not Have Any Accounts That I Am Associated With And I Did Not Authorize Please Have Them Removed From My Credit File Thank You
Product: Debt collection

On XX/XX/2021 my credit file took a XXXX point hit for a collection on a debt by Midland Credit Management attempting to collect a debt for XXXX XXXX. I called the collection company and spoke to a manager who I assured this is a mistake. I also sent a Validation of Debt on this date. Every 7 days after the company reports to the credit bureaus which is damaging my credit trustworthiness. On XX/XX/2021 I took another XXXX point hit and I contacted the company again and they advised me that I needed to submit a police report for consideration of the debt to be removed. I told them the only police report related to my credit is a ex significant other using my XXXX XXXX credit car in XXXX. They told me they could not help. On XX/XX/2021 I took yet another derogatory mark from the debt collection company. I contacted them and advised them that they are almost of for the validation of debt which and gave them more information on the denial to obtain a report that didnt directly describe the account in question. I contacted the credit bureaus immediately after and found addresses, hard inquires and other suspicious activity and had them flag my credit activity as fraudulent activity. Midland Credit Management is now 6 days over the 30 days to provide me with a validation of debt and continues to falsely report to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on a XXXX. 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.
Product: Credit reporting or other personal consumer reports

Goodleap is currently reporting my account as late but I was never late. I contacted the company and was told they would correct the problem but it is still showing late on all credit Bureaus. GoodLeap had my account for automatic payments and I had an email from them saying they were going to deduct my first payment on XX/XX/2023 but they reported XX/XX/2023 as late.
Product: Mortgage

I am a XXXX XXXX in the state of Georgia and I completed an XXXX  for Better mortgage and was not paid for my service.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number : XXXX - Here is my issue, this is an except from an email I sent to someone at the bank : XXXX XXXX XXXX purchased my mortgage, like many other mortgages early this year ( 2022 ). I realized this a little late and called customer support to get caught up with my payment and get put on Auto Pay ( there is a call recording ). The guy who helped me get up to date stated that I was all good AND if I wanted to set up auto pay I could do it online and then briefly went over the rules about autopay. One of the things he apparently mentioned on the call was that I need to set up autopsy before halfway though the month to go through for the next month I thanked him for helping me with my cross over payments and jumped on the call. Several days later I went online and set up auto payment for the next month. In fact, when I set up auto payment I got a green indicator light telling me my auto payment was in fact set up for the next month. Fantastic I though, now I dont have to worry about manually going in and process the payment next month, everything was XXXX. So I thought Well about 17 days into the next month I get a notification from my credit reporting agency that my credit score has dropped XXXX points for not paying my mortgage. I thought, how could this be. I took the time to set autopay up online, I even called support to help. So I logged in and saw autopay was still on, green lit, but apparently my payment did not go through. I wondered why, since I have over XXXX in my bank account. I called support and immediately they told me I we passed the cut off date to set up online payment automatically. So I was wondering how the XXXX XXXXXXXX did the site give me a green light and let me set it up. Anyways, there is a call recording. Multiple calls and they refuse to remove this from my credit report. For something that is clearly an error on the part of the bank. My next step here is suing the bank. I hope the CFPB can help get this removed from my credit report.
Product: Debt collection

my personal and financial information was compromised without my authorization the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharce student loan debt in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il
XXXX Il, XXXX
Dear Bureau,
I am writing to inform you of an issue regarding improper use of my credit report. Attached to my
SSN, it appears that TransUnion, XXXX and XXXX  have violated the FCRA by including
inaccurate information. Upon reviewing the credit report, I found numerous discrepancies,
including incorrect addresses and accounts for which I never provided written permission. As
instructed on your website, I've enclosed documentation proving my identity.
Under the FCRA, only accurate information should be included in a consumer's credit report.
However, the information provided by TransUnion, XXXX, and XXXX  is not accurate. I have
consulted with legal counsel, and I am prepared to take this matter to court if necessary.
I demand the immediate removal of all inaccurate and unauthorized accounts from my credit
report. Additionally, I request that all personal information associated with my account be
replaced with the details of XXXX XXXX XXXX  Below are the accounts that need to be
removed: Employers: XXXX XXXX XXXX
Previous Addresses: XXXX XXXX XXXX XXXX XXXX XXXX Il, XXXX XXXX XXXX XXXX XXXX XXXX  Il ,
To expedite the resolution of this matter, I demand the immediate removal of all inaccurate and
unauthorized accounts from my credit report. Additionally, I request that all personal information
associated with my account be replaced with the details of XXXX XXXX XXXX , as provided below:
1XXXX XXXX XXXX XXXX XXXX (transunion) XXXX XXXX XXXX XXXX XXXX XXXX XXXX(transunion)(XXXX XXXX XXXX XXXX XXXX XXXX  (transunion)(XXXX)
XXXX XXXX XXXX XXXX(transunionXXXX XXXX XXXX XXXX XXXX XXXX
(transunion)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (transunion)(XXXX XXXX XXXX XXXX XXXX  (transunion)XXXX XXXX XXXX XXXX XXXX XXXX XXXX (transunion)XXXX XXXX XXXX XXXX XXXX XXXX  (transunion)(XXXX XXXX XXXX XXXX XXXX (Transunion)XXXX XXXX XXXX XXXX XXXX XXXX (transunion)
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Transworld Systems INC XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX Dear Transworld Systems Inc XXXX This letter is in response to your Negative Trademark on my credit report with the credit bureaus on XX/XX/year>. I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. As a consumer I also have the right to dispute or bring to light anything on my report that may be negatively suppressing my credit. I have paid off the debt in full and have been very cooperative throughout the whole process for you all. This mark on my credit is very detrimental to my future endeavors and credit reporting. I am requesting a deletion of the trademark. This account has been paid in full and should not be reflecting negative on my credit files. Being reflected as Paid in full is not sufficient enough when it comes to renting and building a future. I am maintaining a careful record of my communications with you for the purpose of FDCPA purposes.