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

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I received an email purportedly from Synchrony Bank concerning a XXXX ( retailer ) credit card for which I was already accepted. Unfortunately, I am still recovering from COVID and am susceptible to bouts of confusion. Even though the email was in my Junk folder, I opened it and saw it was a link to get info about my card application. I selected the link, and on the website, which was too simple looking for bank business, I entered the last four digits of my SSAN, my ZIP code and my date of birth. At that point the site said the info was not valid and that I should try again. Only then did I realize what I had done. The web site address is " XXXXs : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' and I have attached the email. I doubt that XXXX or Synchrony bank are involved but someone is getting information about credit requests to them. I will request a credit lock immediately to prevent anyone from requesting new credit in my name. Other than that I am not sure what to do. I can only wait for these COVID symptoms to clear so I can start thinking clearly again. Thanks for your time.
Product: Credit reporting or other personal consumer reports

I noticed an account associated with Synchrony Bank on my credit report that I did not open or authorize. According to my credit report, the account was opened on or around XX/XX/year>. The account is reported as a secured loan with a balance of {$15000.00} and a past-due amount of the same figure, but the details vary significantly across the three major credit bureaus. 

The discrepancies include : 1. The Date Opened is listed as XX/XX/year>, by XXXX, but XXXX and XXXX report it as XX/XX/year>. 
2. The account is listed as Derogatory by XXXX and XXXX, while XXXX reports it as Open. 
3. The reported balance is {$15000.00} on XXXX and XXXX but {$0.00} on XXXX. 
4. The High Credit amount is reported as {$21000.00} by XXXX but {$0.00} by XXXX and XXXX. 

I have never applied for or authorized this account, and I suspect it was created fraudulently. When I discovered this account, I immediately reviewed my records to confirm that I had no affiliation with this account or Synchrony Bank. I also filed a report of suspected identity theft and began contacting the necessary agencies to dispute this information. 

The inaccurate and fraudulent reporting has negatively affected my credit score and caused unnecessary stress. I request that this account be fully investigated and removed from my credit reports to prevent further damage to my credit profile. Additionally, I would like the reporting agencies to notify any company that has accessed my credit report in the last six months of the corrected information. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I called the company and they sent the documents i will attach below XX/XX/XXXX the credit card was paid off and closed the account XX/XX/XXXX taken to collection without being sent any bill for more than a year Or any amount owed showing on my credit report
Product: Credit reporting or other personal consumer reports

I received the letter with my dispute results from your Agency and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.

15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy
Product: Student loan

In XX/XX/XXXX, I applied for the Saving on a Valuable Education ( XXXX ) Plan through the Federal Student Aid ( FSA ) website, expecting that my enrollment would prevent further interest from accruing on my federal student loans. Despite submitting my application, my loan servicer, MOHELA, left my application in " processing '' status for an extended period, providing no explanation for the delay. Upon contacting them, they explained that it would take at most 90 days for the application to process. 

When XXXX Plan applications reopened in early XXXX, I reapplied through the XXXX website, which forwarded my application to MOHELA once again ( XX/XX/XXXX ). Yet, MOHELA continued to leave my application in processing status, with no action taken to finalize it. Only to close it very recently without word back or any kind of resolution. 

Due to this delay, I have accrued approximately {$1600.00} in interestan amount that should not have accumulated had my original application been processed timely. This has resulted in unnecessary financial harm, and I believe MOHELAs extended delays and lack of communication may reflect improper handling of my application.
Product: Money transfer, virtual currency, or money service

I made two transfers to my Coinbase account on the XXXX of XXXX. The first one for XXXX ( XXXX GMT ) and the second one two hours later for XXXX. The second one was credited on my account within a couple of hours, the first one has still not been credited. I have sent them about 10 emails regarding the issue with no response at all. These were sent from a XXXX bank account, but were sent as an international ( SEPA ) transfer to their bank in XXXX. I did at one stage see on their main page that they were experiencing some delaying in crediting payments in those days but everything pending would be settled by the XXXX of XXXX - which it clearly has n't. I have no way of getting through to them other than the unanswered emails. Called my bank ( XXXX ) today and they said the money was received - the company is apparently registered in the XXXX. 

Uploaded bank statement shows the two international transfers on the XXXX XXXX number for deposit XXXX Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom it May Concern, This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy on XX/XX/22. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1 ) Extended Credit 2 ) Car Loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 
There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must expertise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide me with the details of the procedures that meet the need of commerce for the consumer credit. As result, I hereby demand the following ; Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX ALL INQUIRIES 10 ) ALL LATE PAYMENT Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Reported Bal : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX
Product: Debt collection

XXXX/XXXX/2016 XXXX XXXX CST A voice message was left for me on a ref contact number asking for location information for me by a XXXX XXXX XXXX XXXX ext XXXX. I returned the call and spoke with her and asked why they were contacting a reference after I asked for a cease and desist. She reviewed the account and could see the request and advised me she needed to have me speak with a supervisor. I ask why would I need to speak with a supervisor, she replied to verify the cease and desist. I did not get the mgrs. name but when he came on the line he asked what he could help me with I asked did the rep not fill him in and he stated he wanted to know from me. I explained that I have requested a cease and desist and wanted to know why they were calling a ref. He stated he did not see that request and I asked how if the rep stated she did? He said he only seen where I asked for no calls and so I asked then why are you calling a reference number? He stated he would place the account in a cease and desist status. The manager was slightly rude and I could tell he was eating which was gross and very unprofessional
Product: Credit reporting or other personal consumer reports

I am writing to demand that you immediately remove inaccurate information from my credit report. It has come to my attention that my credit report contains fraudulent information that I have no relationship to. This is unacceptable and I demand that you take immediate action to rectify this issue. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PIl ). 2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 3. My IRS tax transcripts, which were obtained and used without proper authorization. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 4. Immediate notification to all major credit bureaus ( XXXX, Experian, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and deletion of my Student Loans.
Product: Checking or savings account

On XX/XX/22, a fraudulent transaction/transfer occurred on my account without my permission where {$49000.00} via my citibank account XXXX I called the customer service representative but to no avail. My money wasn't returned and Citibank did nothing in their power. I remained on the call for 5+ hours and by that time the unauthorized transfer was conducted. 

I want my refund back. The guy hacked into my phone without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. Account XXXX XXXX XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX XXXX This isnt a charge off account. This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. 
I am also victim to having several unauthorized inquires in my report I am requesting that the items be deleted to correct my credit report. Bk of Amer XX/XX/2021, XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Debt collection

I am resubmitting a complaint against Mt. America Credit Union as I have found out they are done similar things as they did to my mother. Mt. America allowed a person with a TRO against them to withdraw funds from my mother 's account and refused to pay back the money. They refused to honor an agreement we had to do a work out loan to cover a visa debt, they turned over to a collection agency we continued to work out the debt and they had agreed to reduce the amount of the debt in half. After my mother died they took the debt back from the collection agency and are demanding full payment of the debt against my mother 's estate.
As you can see by the complaints to the XXXX XXXX XXXX we are not the first people they have acted unethically with and done illegal transactions with their funds.

They exposed my mother 's financial information and funds to a person with a TRO against.

As a concerned family member I am asking that they be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed a copy of my credit report and noticed several accounts that does not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, WAKEFIELD AND ASSOCIATES # XXXX.
Product: Debt collection

I lost my job and apartment and was no longer able to pay my debt or receive mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX needs to be removed Immediately. I have attached a XXXX from XXXX stating it shouldnt be on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I have turned in several applications : XXXX forgiveness, Obama, and Public Loan Service forgiveness. All of which have been sitting on someones desk, not processed. I was told so many excuses but the truth and what was given to me- that was " your loan is forgiven ''. I even applied Temporary Expanded Public Service Loan Forgiveness. What I got was XX/XX/XXXX-XX/XX/XXXX more payments and for them to tell me to refinance and they do not know what to do was the response I got. Fedloan says that my age of account is 5 years 3months, but that is incorrect. I have never refinanced nor did I get a loan from them 5 years 3 months. This company has ruined my credit and life.
Product: Checking or savings account

I opened a checking and online saving account with XXXX XXXX XXXX on XXXX at XXXX XXXX XXXX XXXX, XXXX TX XXXX when I worked at XXXX XXXX XXXX, XXXX XXXX XXXX. In summer XXXX, we moved to XXXX and left the bank account as it is. We still logged on to check balance occasional until a few years ago, we just can not login any more online. 

We tried to call XXXX XXXX XXXX by phone a few times, they needed to ask us some questions about myself 10 years ago, we can not pass such questions and it is not easy to make international call to wait on the phone for that. 

Later, we heard that after some year of inactivity, bank will move long time inactive money to government account such as state treasury. 

Therefore we dont know where is our money is, we need XXXX XXXX XXXX to tell us whether the money is still on their book, or they already move to escheat account, if yes, which state we need to reach to claim money.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report shows charge off of {$1100.00} & written off of {$2200.00} & balance of {$2200.00}. Company has written it off as a profit lost and would not provide me with a 1099C they have reported that I owe a balance, but they took a tax break, under the FCRA you can seek statutory damages of a creditor, furnish inaccurate information about a debt such as incorrectly reporting a charge off while still claiming you owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit report i am XXXX and received a XXXX  ( XXXX XXXX XXXXXXXX XXXX ) discharge of my federal student loans in XX/XX/XXXX. all of the loans on XXXX and XXXX are listed as paid and closed ; but there are a number of these same loans on my XXXX report that are listed as paid and closed, but there are also a number of them that have there status listed as UNKNOWN and are affecting my credit report. 

The loans are : 5 XXXX  XXXX XXXX with the account numbers starting with XXXX 1 XXXX with the account number XXXX 11 XXXX with the account numbers starting with XXXX these loans were paid off along with the other school loans that are listed as paid by NELNET on my report. i would like them corrected to reflect the same information and status as the other loans
Product: Debt collection

Dear LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
2. Legal basis for the collection of this debt. 
3. Proof of your authorization to operate in my state. 
4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
5. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations. 
* 1692g ( b ) : Failure to properly disclose my rights. 
* 1692f : Use of unfair or unconscionable means to collect a debt.