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

I did not authorize these credit inquiries and have not provided consent for these companies to access my credit information. I request the following actions : I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. I believe these inquiries were made without my consent and violate the Fair Credit Reporting Act ( FCRA ). Below are the details of the inquiries : XXXX XXXX Inquiry Date : XX/XX/XXXX Category : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Category : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Category : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Category : XXXX XXXX Inquiry Date : XX/XX/XXXX Category : XXXX Conduct a full investigation into each of these inquiries to verify their legitimacy. 
Provide documentation of my authorization for each inquiry, if applicable. 
If no authorization can be provided, remove the unauthorized inquiries from my credit report immediately. 
Please note that under the FCRA, unauthorized credit inquiries constitute a violation, and I reserve the right to pursue further action if this matter is not resolved promptly. 

I appreciate your attention to this matter and request confirmation once the investigation is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to buy a house so i ran my credit, and on my report i saw items that i didn't recognize. I did not authorize these items and i need these items removed from my credit report. I was advised to contact the FTC and my local police and i did. XXXX XXXX XXXX, 01 XXXX XXXX, 12 SXXXX XXXX 3, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.
Product: Credit reporting

I recently applied for a mortagage and the company declined my app because of my credit score. The notice from the comapny stated that my score was XXXX but Experians own website stated my score was XXXX which reads as fair on experians scale.
Product: Debt collection

received letter from AFNI saying i owed monies on potential litigation. i was not in an accident on date of lose XXXX, i have never heard of this litigation, this seems to be total fraud. they give the insured name as XXXX XXXX XXXX never ever heard that name.
Product: Money transfer, virtual currency, or money service

Robinhood randomly restricted my account, I have waited XXXX days on a holding line, requested emails wont unlock my account or return my phone calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 duplicated accounts from the same company due to a transfer in which the original account is supposed to be removed or so i thought. XX/XX/XXXX & XXXX are the close dates.
Product: Credit card

XXXX Fortiva Credit card closed my account and my charges were declined. 
XXXX I called Fortiva via their 800 number and found out the account was closed and the representative did not know why. 
XXXX I called Fortiva fraud department and they would not disclose why it was closed. 
XXXX I receive a letter stating the account was closed due to " Unexpected account activity '' What does unexpected account activity mean? I paid off my account monthly. This is probably happening to others by this credit card company.
Product: Credit card

I opened an account at XXXX XXXX through Fortiva credit on XX/XX/year> at which time I made a purchase totaling {$65.00}. A XXXX  went by and I had not received my credit card. I called Fortiva and I was told that the card was on the way at the time that I needed to make the first payment on my charges from XX/XX/XXXX. I downloaded the app to my phone and realized that the card had been stolen and there were charges that appeared on my account that were not made by me. I called Fortiva to file a fraud complaint and was informed it would take XXXX  days. I have made recent calls. I was informed that I should pay the current minimum due in order to avoid finance charges late fees, which would affect my credit. I informed Fortiva that I had not made those charges and that I was not going to be held responsible for charges that were not made by me while they completed their investigation. I was then told that the company would continue to report accordingly until the investigation was complete. I had asked for the company to release the fraudulent charges in order for me to be able to use my account after I had received a new card. The company would not guarantee me that they will not negatively report during their investigation. On the contrary I was requested to make the minimum payments for charges that I did not make while they completed the investigation so my credit will not be affected. I feel I should not be held responsible, and my credit should not be affected during the investigation of fraudulent activity from a stolen card.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate 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 card or prepaid card

It all started when my wife a XXXX XXXX  contracted XXXX and was quarantine in our home for 3 half weeks and off work for two more until she was XXXX XXXX for 10 days. I had perfect payment history and credit other than medical bills up until then. She had to file for workman 's comp and she wasn't receiving pay checks from her Work because she wasn't working and had no pto they where paying workman 's comp but it took a month half to get her first pay. that was ridiculous as well. When I told first bankcard there reply was that's not there fault she has XXXX and I'd have to pay the two months of late fees and the two minimum payments of 300 so it was 600 plus the two 50 dollar late fees so 700 dollars when we hadn't even made a payment for 50 days to anyone. We barley had money to even eat. So we had to pay the house so we would not freeze and the power was a necessity just the house and power was XXXX month. But I told them I wanted to apply for there covid relief program and when I gave them my bills they said my wife don't make enough to get the help XXXX is that we don't make enough to get help that's ridiculous. My debt to them went from XXXX to almost XXXX they have put close to 4 grand in late fees penilties so on They should be ashamed for targeting people in need of their understanding and they are making money from it. I was sickened by this and I might add that my other two cards through XXXX XXXX they dropped my payment to XXXX dollars a month from XXXX and dropped interest rate from 19 % to 1 % and said take as long as you need just pay the 61 now that's a true caring company. I have ruined credit now can't refinance my house because of this and am harassed up to 10 times a day from the company. It's sad and I hope something can be done because I am sure I'm one of thousands there making money off of in this time of need and pandemic. 
Thanks for your time and help .... XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Formal Dispute of Student Loan Due to FERPA Violation and Unauthorized Third-Party Access Dear XXXX Loan Servicing, I am writing to formally dispute the validity of my student loan ( s ) due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. FERPA strictly prohibits the disclosure of student educational records without written consent, yet I have reason to believe that my personal and financial records were unlawfully accessed by unauthorized third parties, including XXXX XXXX and XX/XX/XXXX) -related entities. 

Upon investigation, I have found that : 1. Unauthorized Third-Party Access : My personal and financial student records appear to have been improperly accessed, shared, or utilized by individuals and/or organizations with whom I did not consent to share my information. This includes entities affiliated with XXXX XXXX and XX/XX/XXXX. 


2. Breach of Privacy Rights : I was never informed of, nor did I consent to, the release of my educational data to these third parties. This is a direct violation of FERPA regulations.

3. Compromised Loan Agreement : If my student loan was issued or influenced by parties who illegally obtained my educational data, then its legitimacy and enforceability are in serious question.

Requested Actions : In light of this FERPA violation and unauthorized third-party access, I demand the following immediate actions : A complete audit and review of my student loan records, including how my data was obtained and whether it was improperly shared.

A written response within 30 days acknowledging my dispute and detailing the steps you will take to remedy this violation.

If my records were accessed in violation of FERPA, I demand the immediate cancellation and discharge of my student loan ( s ) as they were obtained under legally questionable circumstances.

If this matter is not resolved promptly, I am prepared to escalate my complaint to the U.S. Department of Educations Family Policy Compliance Office ( FPCO ), file a formal legal complaint, and pursue further action against the involved parties.

I expect a prompt and fair resolution to this issue. Please provide a written response by XX/XX/year>2025. You may contact me at XXXX or XXXX if you require further details. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently disputed this fraudulent information from my credit profile. I was not updated with any documentation about these fraudulent accounts reporting on my credit profile beside them being verified and updated on the site. I am aware that my personal information was leaked in a data breach. These fraudulent accounts are defamation of my character and credit worthiness.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX XXXX except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

TRANSACTION HISTORY REMOVAL COMPLAINT I am writing to request the immediate removal of all transaction history, payment history and related balance information from my credit report for XXXX XXXX XXXX as reported by EQUIFAX and XXXX. This request is based on multiple violations of my privacy rights under several significant laws and regulations. 
The reporting of my information violates the Privacy Act of 1974, which protects personal information from unauthorized disclosure. It also contravenes 12 CFR 1022 ( Regulation V ), which requires the privacy and proper disposal of consumer information, ensuring data integrity and accuracy. Furthermore, under the Fair Credit Reporting Act, specifically 15 USC 1681 and 1681 ( b ), consumer reporting agencies are mandated to ensure all reported data is accurate, verified, and only made available for permissible purposes with the consumer 's explicit written consent, which I did not provide. 
Additionally, the XXXX XXXX, particularly sections 6801 through 6805, outlines the responsibilities of financial institutions to respect the privacy and protect the security of their consumer 's non-public personal information. This includes any identifiable financial information provided by a consumer that results from any transaction or service performed, which should not be disclosed without explicit written consent.

Given these breaches of legal obligations, I urge you to act promptly to remove the mentioned information from my credit report. I expect written confirmation of this action and am prepared to take further steps to enforce my rights if necessary.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 EQUIFAX 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 or other personal consumer reports

I had this Capital one card and it was charged off closed by the bank. we both agreed upon a monthly payment to payoff whatever the balance is. The agreement was to pay monthly {$100.00} every month for 38 month. which i am paying every month. I have attached the payment proof and also the payment plan agreement with the bank capital one. but for some reason capital one have been sending wrong report to credit bureaus as missed payments. Since XXXX, XXXX my payment plan started and have been paying on time every month. but they have been sending reports to bureaus as late payment. The latest update is till XX/XX/XXXX and it says late.. no. Thats incorrect. I can fight this on the court with lawyer too because i have every proof.. I have attached the credit bureaus report and also the proof i have been paying on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank XXXX XXXX my debt to XXXX XXXX. This debt was paid in full on XXXX/XXXX/XXXX. Both XXXX and XXXX show on my credit report as negative. XXXX agreed to remove the debt from reports once paid in full. I have called them multiple times since my XXXX payoff and they are telling me that they have done what they need to do to remove and it 's out of their hands. I have filed disputes with all 3 credit reporting agencies and they say the information is correct. 
XXXX tells me that when they sold the debt to XXXX their negative reporting should have been removed. Again, I have filed disputes with all 3 agencies and am told that the information is correct. Meanwhile XXXX and XXXX say that they have done all the were supposed to do to have removed. 
No one is taking responsibility. 
I would like both debts removed from all 3 agencies report.
Product: Debt collection

I was contacted on XX/XX/21 about a debt to XXXX XXXX which was being handled in collections by CAPITAL ACCOUNTS LLC. They offered me a settlement amount of {$520.00}, which would be offered for TEN DAYS. I paid this settlement amount in full on XX/XX/21 and have receipt of payment for that amount. Documentation for settlement and for receipt are attached. 

The company continues to call me and has continued to list an additional balance on my credit report for this same debt, which is completely fraudulent since I paid my settlement amount in full and have documentation to prove it. 

Debt collector contact info below : Capital Accounts , LLC XXXX. XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX www.capitalbillpay.com
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 {$0.00}, {$0.00}.

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 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 ) -- AUTO LOANS OR LEASES 1. XXXX XXXX FINANCE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I C Systems [ Their Address ] [ City, State, ZIP Code ] Subject : Unauthorized Access and Collection Account on My Consumer Report Dear I C Systems, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that I C Systems has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604.

Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies.

This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy.

In addition to federal law, I want to highlight relevant sections of South Carolina state law. Pursuant to South Carolina Code of Laws Section 37-5-108, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer.

Furthermore, under South Carolina Code of Laws Section 37-5-104, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports.

I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance.

I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within XXXX  days of receiving this letter, I C Systems promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA.

Additionally, I expect I C Systems to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA.

Failure to comply with these requests within the stipulated XXXX-day timeframe will be considered willful noncompliance and may result in civil accountability for I C Systems, as provided under Section 616 of the FCRA.

Done in good faith.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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

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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$1100.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$230.00}
Product: Debt collection

I am an XXXX citizen currently living in XXXX I had a phone account with XXXX. In XX/XX/2014, I contacted XXXX to turn my phone service off ; however, they continued to keep it on and after XXXX attempts of calling over a period of months they charged me for the time they incorrectly kept my line open, as well as a disconnection fee. Now, they have sold the " debt '' to a debt collector. I have attempted to contact the debt collector via email on multiple occasions, but they do not provide a phone number that I can call from a foreign number. They continue to send messages asking for the money, though. Please help. 

I feel like 1 ) This debt is heavy given the circumstances, and 2 ) The debt collector has made it nearly impossible for me to communicate with them from abroad so we can agree on a best way forward.