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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 TransUnion dropped 43 points. I am 7 days before closing on my house. I have never been late. Reported inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter XX/XX/2023 tracking # XXXX # XXXX XXXX # XXXX However credit bureau saying they completed investigation and everything was accurate. 
According to the law 15 U.S code 1681a definition rules of construction. The term investigation consumer report means a consumer report of portion thereof in witch information of a consumer character.general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends or associates of the consumer report on or with others with who he is acquainted or who may have knowledge concerning any such items or informations.however such information should not include specific factual information on a consumers credit record obtained directly from a creditor or the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Prepaid card

I was provided a prepaid card from Money network for short term disibility from the XXXX XXXX XXXX XXXX XXXXXXXX. I was out of work due to a XXXX XXXX. I received my card and within a XXXX XXXX weeks, my card was hacked and {$5900.00} was removed overnight. This occurred on XX/XX/XXXX at XXXXXXXX XXXX  There was an unknown personal account number that it was transferred to. The card never left my possession and was in a safe place. This event was noticed by me on XX/XX/XXXX XXXX. I immediately contacted Money Network and filed a dispute. They closed my dispute on XX/XX/XXXX saying that I had transferred the funds and closed the dispute. I filed an appeal which I was told could take 30-45 days. This company will not replace the funds to my account and I am now out almost {$6000.00} which was to pay my bills which have accumulated fro the hospital stay I had of 2 weeks. The XXXX XXXX XXXX XXXXXXXX is saying there is nothing they can do as well as my employer. The claim number provided to me is XXXX. Acct # XXXXXXXX XXXX XXXXXX/XX/27 My name is XXXX XXXX, last XXXX digits of SS # are XXXX. Thank you
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. 

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, 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 and crimes which antedates the report by 7 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 in accurate.
Product: Credit card

I have had a credit card from Best Buy for about 10 years. This past XXXX they started charging {$50.00} per yaer. They actually started the year before but I had not noticed. My bank changed credit cards so Best Buy could not get thier payment automatically. So they sent me a paper bill. I told them I no longer wanted thier card, but they said the charge was already made so therefor I have to pay. I told them to cancel the card, but they said the charge was already made so I would have to pay. 

Any way I will not pay, thats not the problem, but I don't think they should be able to secretly start charging then keep the charge even after I canceled. Also I have not used the charge card since XX/XX/year>. 

Also I lost the card years ago. I have no idea what the card number was.
Product: Checking or savings account

I was interested in obtaining a XXXX XXXX XXXX  Debit Card offered by SunTrust bank. I read the information on their website here ( https : //www.suntrust.comXXXX  ) and was willing to pay the {$75.00} annual fee as I thought it was a good deal especially since one earns " XXXX  bonus miles after your first PIN Point of Sale or signature-based purchase. '' What is not apparent until much further down the page is that one must open a Signature Advantage Checking account to be issued the XXXX  card. This checking account has a minimum balance requirement of {$25000.00} or a monthly fee of {$25.00}. I was not aware of this stipulation until after opening an Essential Checking ( basic ) account and was then advised I would need to upgrade the account to obtain the card I wanted. I believe this practice falls under unfair and deceptive. I am more than willing to pay the annual fee for the card but can not afford to deposit $ XXXX or pay $ XXXX  monthly in addition to the {$75.00} annual card fee. This is excessive.
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. 

I have informed Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A : states I have the right to privacy.

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

Re : Request to Reinvestigate & Delete Accounts Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.1.XXXXacct. # XXXX2.XXXXacct. # XXXX,3.XXXX XXXXacct. # XXXX,4.XXXXacct. # XXXX,5. ( Original Creditor : ) acct. # XXXX6. ( Original Creditor : ) acct. # XXXX7. ( Original Creditor : XXXX ) acct. # XXXX  The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Product: Debt collection

We received claims for medical debts from our providers, which we paid through our XXXX XXXX XXXX. We have done this dozens of times with no issues. We were called by AWA Collections and informed that they were collecting on 2 separate medical debts. We asked for a statement to be sent to us explaining the charges. They sent it to the wrong address. They called again and we said we hadn't received it. We asked for it to be sent again and informed them of our address. They sent it to our address but before we received the statement, they had dinged my wifes credit. We looked at the charges and saw that the amounts had been previously paid. We sent them statements from our XXXX, showing the exact amounts being paid from our XXXX. They asked for bank statements, which the XXXX doesn't have, so we provided the XXXX account number. They said that they would reach out to the medical providers and get back to us. It has been months and we haven't heard back, but the amount owed on my wife 's credit report is increasing due to interest.
Product: Debt collection

company reported charge off on credit report. this is now a write off or paid debt. the company has been " paid '' for this debt and is not longer mine. They refuse to remove from credit report
Product: Student loan

CALLED THE FEDERAL STUDENT AID DEPT ABOUT THE STATUS OF THE DISCHARGE OF MY FEDERAL LOANS SINCE MY APPROVAL OF SUCH DISCHARGE 8 MONTHS AGO AND WAS NOT GIVEN A SUFFICIENT ANSWER ON WHY THEY WERE NOT DISCHARGED AS OF YET.
Product: Mortgage

I am no longer a customer of Village Capital and therefore Village Capital should not continue to report to my consumer report.

In accordance with 15 U.S. Code 6803 ( a ) ( 2 ) At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  XXXX XXXX account that is reporting on my credit report is incomplete as the date of last activity is missing from the credit report. It is therefore hard to tell when and if the account ever became delinquent.
Product: Credit reporting or other personal consumer reports

My account with AMEX was never late! I have had exceptional payment history with AMEX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


AMEX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Experian and XXXX failed to investigate inaccuracy on my credit report
Product: Credit reporting or other personal consumer reports

On around XXXX I called XXXX, XXXX and Experian to ask them to delete the accounts on my credit report because I did not give either companies consent to display that information according to 15 USC 1681 I am entitled to a right of privacy.They each told me they couldn't remove those accounts.
Product: Student loan

I am writing to formally file a complaint regarding a potential data breach and unauthorized access to my student loan information. I have reason to believe that XXXX XXXX, or entities associated with him, may have gained access to my personal and financial data without my consent. This raises serious concerns about privacy violations, data security, and compliance with federal regulations, including the Gramm-Leach-Bliley Act ( GLBA ) and the Family Educational Rights and Privacy Act ( FERPA ). 

My personal and financial information was compromised without any 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. 

I urge your office to investigate this matter to determine whether my student loan data has been improperly accessed and to hold any responsible parties accountable. Additionally, I request the following : A full disclosure of how my information was accessed and used. 
Immediate corrective action to prevent further unauthorized access. 
Assistance in protecting my personal and financial data from further exposure. 
Please confirm receipt of this complaint and provide any next steps regarding the investigation. I appreciate your prompt attention to this matter, as it is critical to protecting my rights and the security of my financial information.
Product: Credit reporting or other personal consumer reports

I have recently become aware of fraudulent activities carried out using my personal information without my consent. It has come to my attention that several credit card accounts have been opened in my name with XXXXXXXX XXXX  and XXXX XXXX XXXX. These accounts were unknown to me and as a result they were not maintained and subsequently been CHARGED OFF. Upon discovering this unauthorized account, I immediately contacted each of the companies. After being directed to their fraud department I was advised to file and report on this sight and that is why I'm here right now. I hear by assert that I did not open these accounts, nor have I received any benefits from them therefore I am requesting your immediate assistance in closing these fraudulent account and removing them from my credit file A.S.A.P. I'm also requesting a freeze on my credit file to prevent further fraudulent activities. Thank you for your prompt attention to this serious matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant of FCRA section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX XXXX XXXX XXXX , block information appearing on my consumer credit report that is the result of idenity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of credit cards and student loans from Capital XXXX bank {$440.00}, XXXX XXXX bank {$2300.00}, XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX XXXX XXXX  ) {$530.00}, XXXX XXXX XXXX XXXX XXXX XXXX  ) {$660.00}, XXXX XXXX XXXX {$13000.00}, Dept of EduXXXX {$1800.00}, Dept of EduXXXX {$3300.00} XXXX Dep of Edu {$1700.00}, Dep of Edu {$420.00}. 

These accounts have resulted in several hard Inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. i do not recognize the aforementioned accounts, collections or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my report were not opened, made or initiated by me but through identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 21 federal student loans that are now consolidated. All 21 loans are listed twice on my credit reports with all 3 agencies. First time with the original servicer ( AES, PHEAA, or FedLoan Servicing ), second time with US DOE, and now as the consolidated loan with XXXX. This appears to lenders that I have more than 42 loans and that 42 were in default. My credit scores range from XXXX due to this inaccurate information. The loans have always been federal student loans and should not be listed multiple times on my credit reports regardless of whether I am in forbearance, default, paid in full, or paying as per contract status. Once a loan transfers from one servicer to the next, the previous servicer must contact the credit bureaus to remove erroneous data. I have attempted to dispute with all 3 credit reporting bureaus and with the student loan ombudsmen. nothing is being corrected. This has to stop immediately!
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of unauthorized and fraudulent inquiries from my credit report. Despite multiple letters stating that these inquiries are not mine, they are still being reported on my credit report. I have also submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. It is imperative that these inquiries be removed immediately to prevent further damage. 

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

I have disputed this account multiple times and have sent FTC also, asking for how the account was opened but have not gotten any proof neither from the bureaus of the creditors
Product: Debt collection

I sent Portfolio Recovery Associates, ( PRA ) a letter a few months ago. In part, it reads ; I do not believe that I owe this debt or what you say I owe. I have never had any business dealings with your company or talked to anyone. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof of full history of the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 


PRA in turn sends a 1 page letter. No history of anthing for me to validate.
Product: Debt collection

XXXX XXXX XXXX constantly harass me. They call repeatedly from different area codes and continue to send mail to addresses that I have not provided them with.I have continued ton dispute with this company and requested that they not contact me. The state of North Carolina also requires collection agencies to be licensed and active in order to operate in our state. XXXX XXXX XXXX is not currently licensed in North Carolina with the Secretary of State and should therefore be removed from all credit bureau agencies immediately due to the non active status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency XXXX XXXX is appearing on my credit report. They are alleging I owe XXXX  XXXX XXXX XXXX {$150.00} but I have proof directly from the company that there is a {$0.00} balance on my account and no bills are owed at this time. 

I informed Trans Union to whom I pay for their credit monitoring services that I was unable to upload my supporting documentation and the only recourse they had was to initiate a dispute. The address and telephone number for XXXX XXXX was not listed on my credit report, neither was the alleged original date of delinquency.
Product: Mortgage

During my purchasing, Navy Federal kept stalling my progress by letting my documentation sit on individuals desk without checking to ensure all documents where signed and completed. Within one week of closing where I would have lost my XXXX earnest pay, my contract had to be escalated to a higher department because the loan officer that was assigned to me just let my documents sit on her desk. She never reviewed any of my paperwork. On top of which, I felt the appraiser and inspector where paid off to overlook defects with the home so that it would pass and the seller wouldn't have to pay. My home was grossly overpriced and Navy Federal new it and would not advocate for me. Now I am stuck in a home as a XXXX veteran, there is work that the home needs especially with the plumbing which I told them I believe there was a flood in the home at some point and XXXX needs to pay. There was so refrigerator in the home because the hallway was too narrow to put one in unless you removed the banister. This was a poorly constructed XXXX XXXX home and I need help refinancing so I can get the needed help with repairs so I can sell it and find something more affordable.