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

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$7000.00}
Product: Credit reporting or other personal consumer reports

As I have been reading the FAIR CREDIT REPORTING ACT 15 USC 1681 section 602 a clearly states, there is a need to insure that consumer reporting agencies exercise their main responsibilities with impartiality, fairness, and must respect for the consumers right to privacy. 
XXXX, XXXX are consumer reporting agencies and I am a consumer thats the first thing .and I have the right to make my information is private and isnt just. Which is also backed by 15 USC 6801 clearly states its the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality and now I will also place laws on here that cover me as well.

( Furnisher of information to credit agencies ) 15 USC 1681 section 604 ( a ) section 2 and subsection ( c ) also 15 USC 6802 ( b ) ( c ) And 15 USC 1681C ( a ) ( 5 ) expect as authorized under subsection ( b ) 15 U.S Code 1681 s-2 ( A ) ( 1 ) Also 15 U.S Code 1681e and 1681c, 1681b Because XXXX and XXXX are not maintaining reasonable procedures and also 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time so I AM OPTING OUT OF YOUR REPORTING SERVICES!!!!
Product: Credit reporting or other personal consumer reports

Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : [ XXXX ] XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, or provided written authorization or any permissible purpose. since they do not have my authorization, written or verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization or any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : As such, under 15 U.S Code 1681, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general.

if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX : XX/XX/XXXX
Product: Debt collection

XXXX reported a debt in my name of {$1100.00} to XXXX XXXX XXXX on XX/XX/2017 claiming I had defaulted on a 2 year contract and not paid the first months bill, causing an account disconnection. Contacted XXXX to advise them that i have never had phone service with them. The claimed the debt was valid. When i asked for a copy of the contract that I had supposedly agreed to I was informed that there was no contract and that it was an in store sale. They advised me to contact the local authorities to file a police report for identity theft. The local police would not be able to file anything as there is no paperwork, no phone number, no date when the service was opened, no account number that XXXX would provide. The reason they could not provide it was that I wasn't able to verify any of the information, obviously because I had not opened the account. The only information that I was able to get was that it was sold in a store in Missouri. I live in Virginia, have no relatives or friends in Missouri, and gave no one in Missouri permission to open a phone in my name. Disputed the issue with the XXXX XXXX, and XXXX who all came back and claimed the debt was valid. All agencies claim it meets FCRA requirements.
Product: Student loan

Mohela took over servicing of my loan. 
The XXXX payments started in a XXXX status even though I have always been on XXXX XXXX with XXXX servicer and set this up with Mohela. 
I have gone into their portal and paid the past due and yet I continue to get new and different past due notices. 

I have tried to reach Mohela XXXX  times via phone. After waiting for over an XXXX I was told that they don't know how to help and had to transfer me back into a queue where I waited again and was disconnected. 

The hold times for Mohela to ask for help from a human is over XXXX minutes and nobody can answer questions anyway when they answer. 

I want my payment adjusted back to what it was with my prior servicer before it was handed to Mohela. I want an analysis completed as to why it is now different and why it continues to show XXXX even when I keep paying and am on XXXX XXXX. 

I want any and all negative credit bureau reporting corrected. 

Mohela is not capable of handling anybody 's finances and I do not feel safe with them managing my account. This is reminiscent of the XXXX crisis and XXXX  companies that tanked people 's credit. It is predatory and should not be allowed. People deserve to get questions answered about their finances and phones answered without being hung up on. 

I want my loan to go to another servicer. It is unfathomable that the XXXX would allow this to go on in the XXXX. 

Please help!
Product: Credit reporting or other personal consumer reports

I am writing to diputed account on my credit report that were without my consent. According to section XXXX of the FAIR CREDIT REPORTING TO SECTION XXXX XXXX XXXX ( b ), XXXX are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find permissible purpose under this section that justifies their prsence on my report. PLEASE DELE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attached is a report from the Federal Trade Commission ( FTC XXXX ) as additional evidence to support my claim regarding the unauthorized use of my identity. This document contains relevant details that validate my statement and demonstrate that I have been a victim of identity theft. I kindly request that this information be considered to proceed with the appropriate investigation and resolve this matter promptly
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I am unable to buy a house or do the things I want to do because of the fraud on my report. ITEMS IN NEED OF DELETION : XXXX XXXX XXXX XX/XX/XXXX {$640.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$7900.00} XXXX XXXX XXXX XX/XX/XXXX {$760.00}
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 : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXX, and XXXX XXXX  XXXX # XXXX have violated my rights. 

15 U.S.C 1681, section 602 A. States I have the right to privacy.

15 U.S.C 1681, Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions for crimes that antedate 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: Money transfer, virtual currency, or money service

On XX/XX/2020, I used PayPal to receive a direct deposit for my XXXX XXXX, of {$4800.00}. 
My account was permanently limited by PayPal with no explanation apart from telling me, can get my funds after 180 days. 
It has now almost XXXX years, have called PayPal several times to release my funds to no avail. 

At XXXX point they told me that they have released my funds and can go right ahead and withdraw. I quickly logged in and tried. each time I click transfer funds i got messaged 'there is nothing to transfer ' despite my XXXX been available. 

I called PayPal several times again until XXXX of the customer support said there is nothing I can do as funds are locked. 
PayPal want to get my funds. help me get my money
Product: Credit reporting or other personal consumer reports

I've served a dispute to XXXX XXXX XXXX a debt validation letter ( XXXX XXXX XXXX XXXX  ). This validation included a cease and desist on all communications regarding the alleged debt. The account should not appear on my credit report until it has been successfully validated.
Product: Mortgage

The collections department at Wells Fargo began calling 2 or more times per day on XXXX/17 against my wishes. The same day ( XXXX/XXXX/17 ), I spoke with collections and the re-entry team for next steps. The collections representative explained they would continue to call everyday for the remaining balance regardless of me speaking to collections and working directly with the re-entry department to handle the account. These practices carried out by the collections department are harrassment. The re-entry team stated I have 30 days to submit the necessary documents, I 've also shared this with collections, although they have this information documented in the system notating the dates I spoke with collections, re-entry, and the home preservation department.There is n't a need for collections to call everyday multiple times a day to discuss how the account is being handled.
Product: Payday loan, title loan, or personal loan

Someone stole my identity and applied personal loan by lender called 'Oportun ' And they loaned {$3000.00}. I don't recognize this.
Product: Credit reporting or other personal consumer reports

XXXX is in violation of the following USC codes : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX and Experian is in violation of the following USC code ; 15 U.S. Code 1681 - Congressional findings and statement of purpose
Product: Debt collection

I was left a voicemail about a credit card debt and around the same time was called by a process server. I called the number XXXX and they said that I had a debt for XXXX  XXXX which I have never heard of. They had a very outdated email address so I gave an updated email address for them to send information about the debt to. I called XXXX and they were not able to find any information for an account that I had with them. They called from telephone # XXXX and left a voicemail again saying they were Atlantic Recovery Solutions and that the email I had given was invalid, which is not correct. I do not show a XXXX XXXX account on my credit report and until I had received the phone call, had never heard of XXXX.
Product: Prepaid card

Got a prepaid gift card from online XXXX as a rebate for buying certain amount, got the rebate several months after, now it expired in XX/XX/2023, asked for replacement card XX/XX/2023 but prepaidcenter refused to replace because it expired. I did not use the card at all. Called XXXX too and said to call card issuer. I thought california has a law on this prepaid card XXXX. Why they won't replace it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a XXXX XXXX XXXX  and was successfully discharged.

Accounts that were included in my bankruptcy continue to show as active And open on my XXXX credit report. I have contacted XXXX many times and submitted multiple disputes and nothing has changed. Ive contacted the companies directly and theyve told me the accounts are reflecting as closed on their end and that I should contact XXXX credit bureau
Product: Vehicle loan or lease

I had a loan for a XXXX XXXX XXXX XXXXXXXX, of the amount of {$18000.00} and monthly payments of {$480.00} on XX/XX/XXXX XXXX weeks later the vehicle transmission broke down. and I returned the car to the dealer and told them that I don't want this car anymore and then I called the bank and explained to them what happened and that I didn't want the loan anymore. now I am being charged incorrect amount and we don't even have the car since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally contest the inclusion of specific items within my consumer report that I believe have been reported without my explicit written consent. I am raising this issue in accordance with the provisions outlined in 15 USC 1681b, which safeguards the confidentiality of consumer information. Additionally, there is no record of written consent to include my XXXX XXXX  bankruptcy in my consumer report. 

I have previously filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized disclosure of my personal information, which I strongly believe constitutes identity theft. I have been assigned a reference number for this FTC report, identified as XXXX. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to swiftly halt the reporting of any information in a consumers file that the consumer identifies as information stemming from suspected identity theft. I respectfully request that you comply with this legal obligation and promptly eliminate the following accounts from my consumer report : Account Name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Opened XX/XX/2019 Balance {$0.00} still reporting on my credit report in violation of Federal Law. The Experian Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Opened XX/XX/2019 Balance {$0.00} ;
Product: Checking or savings account

On XX/XX/2025 i was upposed to receive my direct deposit from capital one bank from my job because i get early pay and when that day came and went i thought nothing of it because this just happened before because of the holiday. now XX/XX/XXXX i was not sent a notice or message that my funds where missing i called capital one numerous times thourgh the course of the day to rectify the situation only to be told by there employee that the situation would be resolved by the end of the day and now XX/XX/XXXX is here and i along with thousands of others are still in the dark about this sitiuation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I enrolled into the XXXX XXXX XXXX XXXX XXXX Program which put ALL my student loans into CURRENT status and was to REMOVE any and ALL NEGATIVE/DELINQUENT OR DEROGATORY reporting on my credit reports. 

I pulled a copy of All Three of my credit reports yesterday and see that XXXX has it updated correctly, XXXX needs to remove an item but that EXPERIAN has it showing as a CHARGE OFF/DEROGATORY ACCOUNT IN COLLECTIONS! They state that it is more than 90 days late. 
They are violating my rights under 15 US C 1681s-2 ( A ) ( 1 ) which states that a information SHALL NOT BE INACCURATE on my report. 

They are violating my right to privacy under US C 1681 section 602 A as well as 15 US C 1681 section 604 A Section 2 which states that a reporting agency CAN NOT furnish my account with information WITHOUT any written instructions. 

Lastly and perhaps most seriously they are violating my rights under the FRESH START INITIATIVE which states Under The XXXX XXXX XXXX XXXX in accordance with the Education Department states ( 3 ) The negative mark of default on borrowers credit reports will be removed. 

( 5 ) Credit Reporting Changes.Starting in XX/XX/XXXX, defaulted loans held by ED are reported as current rather than in collections to credit bureaus. For loans held by a guaranty agency, this shift begins in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have consistently disputed the inaccuracies in the provided information with XXXX, and TransUnion ; regrettably, the matter remains unresolved to date. 

XXXX : XXXX. The following personal information is incorrec Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXXXXXX Account Number : XXXX Please supply information on how you have verified this item TransUnion : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX  XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Credit reporting or other personal consumer reports

I couldn't believe it when I saw inaccurate accounts on my credit report today. I check my report often, so I never expected this to happen. I even thought it might be a browser glitch and refreshed the page, but the mistakes didnt disappear. Please review the documents Ive submitted carefully, so I can finally have peace of mind.
Product: Mortgage

On XX/XX/XXXX  I requested a loan modification online from my bank because I can not work due to mental and physical conditions, I sent documents and on XX/XX/XXXX  they rejected the documents, they did not explain well what documents to send, they did not send me an email explaining to me the communication is bad with USA Bank HOME MORTGAGE.
Product: Checking or savings account

Subject : Report of Fraudulent Transactions on SoFi Bank Account Dear Sir/Madam, I am writing to file a complaint regarding fraudulent transactions on my account with SoFi Bank XXXX I recently identified several unauthorized charges on my account. I disputed these charges with SoFi Bank, but the bank has denied my claim, asserting that the transactions were authorized. This is incorrect ; I did not approve or make any of the disputed transactions. 

I promptly reported the fraudulent charges to SoFi Bank and attempted to resolve the matter. However, they have insisted that these transactions were authorized, which is not true. Despite my efforts to resolve the issue directly with the bank, SoFi Bank continues to deny my dispute. 

I am seeking the CFPBs assistance in addressing this fraud and in ensuring that SoFi Bank takes appropriate action to resolve the issue. I believe my account has been compromised, and the bank is not adequately addressing my concerns.

I have attached documentation, including my account statements and any correspondence with SoFi Bank, which may assist in your investigation. 

Thank you for your attention to this matter. Please let me know if you require additional information or if further steps are needed from my side. 

Sincerely, XXXX XXXX
Product: Debt collection

This company is violating the law first off i don't owe them any money if they bought this debt then it is there debt they are suppose to send me a letter to inform me prior to placing anything on my credit that they are going to place something there They also have not showed me how they are involved in this matter also they have not provided me with a copy of there license to collect in Texas i mean there are several violations i have had 2 other companies claim ownership of the exact same debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$0.00} Charge off XXXX XXXX Balance Owed : {$510.00} Collection XXXXXXXX XXXX  XXXX of inquiry XX/XX/202XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX, XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020 These accounts and inquiries are involved in litigation and does not belong to me. I never established these items. These items are a result of fraud. I was contacted by a collection agency regarding the items that were obtained under may name. I have no knowledge of obtaining any of the items listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts and inquiries investigated and removed immediately.