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

I am writing to express my outrage and extreme disappointment regarding the recent data breach that compromised my personal information due to your companys negligence. It is absolutely unacceptable that an organization entrusted with safeguarding sensitive data has failed so miserably in its responsibilities. The breach of my personal information is not only an invasion of my privacy but also a serious security risk that could have lasting consequences. 

Your failure to implement and maintain adequate security measures has placed me and countless others in jeopardy. Because of this breach, my personal and financial security are now at risk, and I demand immediate action to rectify this gross violation of trust. 

As a victim of your incompetence, I expect the following actions to be taken without delay : A Full Explanation I demand a detailed account of how and why this breach occurred, including when you became aware of it and why your security measures failed to protect my information. 

Compensation for Damages If I suffer any financial losses, identity theft, or other consequences as a result of your data breach, I will hold your company fully liable and pursue all available legal remedies.

Immediate Security Improvements I expect immediate action to ensure that no further breaches occur, including specific details on how you plan to improve your security infrastructure. 

Credit Monitoring and Identity Protection Your companys failure to safeguard my personal information has caused unnecessary stress and concern, and I will not tolerate inaction or half-hearted responses. If I do not receive a satisfactory resolution to this matter within [ reasonable time frame
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 
A debt collector may not engage in any conduct the natural consequence of which is to harass, XXXX or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

Midland Credit Management stated that they were trying to keep this account out of the hands of the lawyers. I received that as a threat against my reputation, in violation of 15USC 1692 ( d ) 1 The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I sold Ethereum, Litecoin, and Bitcoin for USD to be wired into my US bank account via the company Coinbase (www.coinbase.com). There was a statement saying there was a delay in withdrawals and it could take up to 10 business days to receive my money. It is now XXXX XXXX, and I still have not received my money. The status on coinbase for these transactions says "complete", however no money has been received. Created a support ticket with coinbase XXXX XXXX, and have not heard back yet.XXXX Bitcoin sold for XXXX USD. Coinbase reference code - XXXXXXXX Ethereum sold for XXXX USD. Coinbase reference code - XXXXXXXX Litecoin sold for XXXX USD. Coinbase reference code - XXXXThese should come in as 3 separate direct deposits for a grand total of XXXX.
Product: Debt collection

FRANKLIN COLLECTIONS SERV ( 10 XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and I have no idea how they got there. I routinely check my report, but this time there are unexplained discrepancies. I even refreshed my browser in case it was a mistake, but the inquiries stayed. I need these documents reviewed immediately so this issue can be resolved, and I can stop worrying about it for good.
Product: Credit reporting

i have asked them repeatedly to correct information on a loan with rise financial this loan was paid and on the credit report it says i still owe then they have not updated this account since XX/XX/2016 this is affecting my credit score and loans to get this needs to be deleted this loan was paid in XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

This what happened i went to a car dealership tying to applied for a car at XXXX, and XXXX say they was going to pull my credit report. When they did they found a phew hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis sent incorrect information regarding my minor daughter via C.L.U.E report to my auto insurance company which in turn is increasing my car insurance premiums considerably. My minor daughter just received her driver 's license on XX/XX/XXXX. When adding her to my insurance, my insurance company stated they received a clue report from Lexis Nexis via XXXX that stated my daughter was in an " at-fault accident '' back in XX/XX/XXXX. My daughter didn't even receive her temps until XX/XX/XXXX and her license on XX/XX/XXXX. The DOT would not even issue at temp license to a XXXX year old if she had been previously driving illegally and had gotten into an accident. I paid to receive my daughter 's Wisconsin DOT report which came back perfectly clean as well. I called Lexis Nexis and after spending 30 min on the phone with someone located in the XXXX, I was told they would not release the report information to me because I am not my daughter. To do so, they said I had to provide my daughter 's birth certificate, my I.D . and a notarized document proving I am my minor daughter 's legal guardian. So I've gotten absolutely nowhere with them trying to fix their error! Yet they are somehow allowed to sell my minor child 's information to my insurance company without permission???
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX BANK XXXX XXXX XXXX XX/XX/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 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Received calls from this number on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( 2021 ). 

They never leave a voicemail. 

When I called the missed number, each time the rep says " thank you for calling ARS National Services, '' says the call is being recorded, gives their name, and asks for verification number. 

I have never received mail from a debt collector or verification number. 

When I asked why they keep calling, they asked me who I was. When I didnt tell them they stated they were a company that deals with personal information and could not share why they were calling. 

The rep gave no information at any point when I requested validation and verification for who, what, and why they were calling my number. 

The rep also stated twice that they did not even have my phone number in their records and could not explain how come I had multiple missed calls from them then. 

I stated I believe they have the wrong contact info and to remove the number from their call list. He stated he would ask his supervisor about removing the number from their records ( which he had already claimed they didnt have on record ).
Product: Credit reporting, credit repair services, or other personal consumer reports

i reported to the credit bureaus XXXX, XXXX and XXXX that the account of XXXX was a fraudulent account. I submitted disputes on XX/XX/XXXX and XX/XX/XXXX, XXXX deemed the account as fraud and removed the item from my credit report. I placed disputes for XXXX with the two credit bureaus XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The reasoning being fraud. On XX/XX/XXXX the account were completed and deemed to stay on report. I called and reached out to the XXXX  on XX/XX/XXXX and the representative agreed there was information in my file stating that the account was deemed to be fraud in my favor and the account was to be removed off my file in XXXX. The representative the stated he sent a message to the department that was in charge to take off the issue. I then requested to have something in writing and he stated that there was nothing he can provide via email or mail. I stated this is troublesome to me because i been getting the run around and i needed something tangible to have for my records in case of future issues. He became frustrated so i requested to speak with a supervisor. He transferred me and when she was on the line she gave me a whole different store of not having a remove request on my credit report and that there was no fraud disputes on file that i had to actual start one with her. At this point i create one with her and reference the new FTC report i had to create because of them not having my information on file from the past. This company is very unorganized and i am very concerned that they are not trying to accommodate my concerns with this fraudulent case. 


As for portfolio recovery services I placed disputes for two accounts ( XXXX and XXXX ) with portfolio recovery services and the credit bureaus XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The reasoning being fraud. On XX/XX/XXXX the accounts were cleared to be removed off my credit reports but for some reason they are still reporting on my transunion. I spoke to a representative on XX/XX/XXXX who has agreed that both accounts are requested for deletion to the credit bureaus which they also stated they would send me copies of this information with 5 business days in unmarked white envelops.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried cancelling Transunion account, but they are still charging my account. Also, online it says the only way to cancel with Transunion is to call them, but I have XXXX XXXX and can not do this.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Fraud Alert and Correction of Credit File Status Dear TransUnion, I am writing to formally request the removal of the fraud alert and any associated status from my credit file. The specific entries I am requesting to be removed are as follows : Credit File Status : Fraud Victim ( associated with trade ) Report Blocked for Promotional Purposes I believe these entries were added to my credit report erroneously and are no longer necessary. I have taken all necessary steps to secure my credit information and ensure the accuracy of my credit report. 

Please ensure that my name is correctly spelled as XXXX XXXX XXXX, with the correct date of birth XX/XX/year>, and the correct address XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Kindly make sure these are the only name and address that are reporting on my credit report. Additionally, please ensure that both of my jobs are reporting accurately : XXXX 'S XXXX XXXX XXXX and XXXX XXXX XXXX 

Please find enclosed copies of my identification documents and any relevant information supporting my request. I kindly ask that you process this request as soon as possible and provide me with written confirmation once the changes have been made. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

Mohela is applying unfair, deceptive and abusive practices resulting in my payment to be approximately five times higher than the amount it should be and is delaying processing of federal government forms so I can not tell how many payments are left to be made on my loan. 

I used Mohela 's online self service tool to submit an IDR application on XX/XX/XXXX in order to receive a lower payment that I am eligible for under the terms of the student loan program during the income self-certification window. The form input on their website showed my payment should decrease to {$430.00} per month. Mohela processed the form wrong and has instead increased my payment to $ XXXX. I called and spoke to customer service on XX/XX/XXXX who acknowledged that the form appeared to have been processed erroneously and stated it should be corrected in a week. They have not made the correction and have in fact accelerated the end of my administrative processing forbearance so now show that the incorrectly high payment will be due even sooner. 

I submitted an updated PSLF application and employer certification on XX/XX/XXXX to have my PSLF counts updated. Although Mohela 's website says these are generally processed in 30 days and, at most in 90 days, my form still shows as " processing '' after almost five months. Until Mohela processes this form, I am unable to determine how many qualifying payments I am due to still make under the XXXX program.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and negatively impacting my credit score. This information is not information relating to any transaction by me.
Product: Mortgage

RE : Overcharging for Escrow Account Shortage Account According to the SLS Mortgage Statement for XX/XX/XXXX indicates that my monthly mortgage payment is {$2900.00} which includes {$1200.00} for my escrow balance. The {$1200.00} includes {$800.00} credited for my XX/XX/XXXX shortage escrow account and {$400.00} credited toward my current escrow for XX/XX/XXXX, this is the information from an SLS mortgage statement dated XX/XX/XXXX. The SLS online account indicates that the only escrow balance is {$750.00}. Why am I being charged more than the balanced due for my current XX/XX/XXXX escrow and XX/XX/XXXX shortage escrow account? 

I have contacted your customer service department a number of times and have not received an accurate response.

Your immediate attention to this matter would be appreciated.

~Concerned Consumer c : HUD Consumer Financial Protection Bureau ( CFPB ) Complaint Dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to jp morgan chase numerous times about them reporting my loan 30 days late on XX/XX/2017 and XX/XX/2017 on all three credit bureaus. I have also disputed this multiple times with all three bureaus and nothing comes back of any proof or how this was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted them about these accounts in several occasions and they have not contacted me or updated these accounts. Theses accounts where settled in my divorce and I and no longer responsibile for these accounts.. the accounts are XXXX XXXX XXXX and XXXX XXXX XXXX , and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing is to inform you that this company is being unreasonable and not adhering to the law. I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. 

I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX XXXX ACC XXXX XXXX, Opened Date XX/XX/XXXX Original Creditor 04 XXXX XXXX XXXX XXXX , High Balance {$1500.00}.

2. XXXX XXXX XXXX, ACC XXXX XXXX, Original Creditor 11 XXXX , Opened Date XX/XX/XXXX, Balance {$190.00}.

I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.
Product: Debt collection

I sent a opportunity to cure, demand letter to COLLECTION BUREAU OF THE HUDSON VALLEY , INC and the Company responded on XX/XX/XXXX  " CBHV has not violated the FDCPA. We have documented your account as a cease and desist, you will receive no further contact from us regarding this account. '' the complaint number is XXXX that was Submitted to the CFPB on XX/XX/ it is in fact that you have violated the FDCPA and failure to provide remedy in accordance to FDCPA and FCRA may result in a lawsuit against you please cease all communication through all mediums including my consumer reports and send me documentation stating you would do so thanks, so are also held liable up to XXXX per violation of the FDCPA and monetary remedy for FCRA i willy to settle this matter for XXXX or i would be forced to file a lawsuit thanks for understand
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report # XXXX, and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.