23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

15 USC 1681 ( a ) ( 5 ) Sections States : no consumer reporting may make any consumer report contains any of the following items of information any other adverse of information, other than records or conviction of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relation to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 


I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the private student loan accounts reported by Mohela and any entities to which my student loan was sold for collections, as they are in violation of multiple federal laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. I respectfully request an immediate investigation into these violations and the removal of these accounts from my credit report.

Legal Basis for Dispute : Violation of the Family Educational Rights and Privacy Act ( FERPA ) : FERPA strictly limits the access and disclosure of student education records without consent. My private student loan information has been accessed and disseminated without my authorization, constituting a direct violation of my rights under FERPA.

Violation of the Privacy Act of 1974 : This act protects individuals from unauthorized access and disclosure of personal records by federal agencies or entities handling federally related data. Unauthorized third parties, including XXXX XXXX and/or his affiliated entities, have improperly accessed my personal information related to my student loans. This unauthorized access violates my right to privacy and requires corrective action. 

Violation of the Higher Education Act : The Higher Education Act provides protections and regulations surrounding the administration of student loans. Mohelas actions in reporting and maintaining these accounts have failed to comply with regulatory standards, and the unauthorized access of my records further constitutes a breach of statutory obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : 2ND INCOME 3. The following personal information is incorrect Account Number : EMPLOYER : RETIRED 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 5. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER - XXXX XXXX XXXX EMPLOYER - XXXX XXXX XXXX XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have had 3 accounts with stores tied into comenity capital bank. That being victorias secret, XXXX XXXX XXXX. I had placed orders for victorias secret & XXXX XXXX  then ended up in hospital. I never got the orders & called & told them that ... both were nice about it & said they would remove charges. Comenity Banks tells me different & I need to send in letter telling that. They apparently put orders in mailbox without signatures which is stupid but that way they dont have to verify anything just nail you for items you didnt get. Then XXXX XXXX I called to make a payment on XXXX XXXX with my paypal XXXX & it was kicked out because they dont except any paypal card. So I said I will pay the card off with my debit card & woman said will you also have a XXXX payment due would you like to pay them both & it be paid off I said ok lets do that. So I paid {$120.00} on my visa debit & they want to say it was never paid & to send them a copy of it. I had been told by one of comenity bank employees after I had sent in letter saying I never received the prior orders that the were going to say they never got the letter & she was right ... they said they never got the letter & funny thing is before I was told that a male employee had told me they had recieved it & it was being investigated. They like to lie obviously to make sure they can XXXX customers out of money. They have placed all this on my credit & I have proof I paid it off ... right here! 
XXXX XXXX XXXX XXXX. Box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Statement for Account Number : Statement Period : XXXX XXXX XXXX/XXXX/XXXX XXXX : Signature purchase from XXXX COMENITY CAPITAL BANK XXXX {$120.00}
Product: Student loan

On XX/XX/XXXX, I received an unemployment deferment for the period XX/XX/2018-XX/XX/2018.  Now I am receiving monthly statements and emails suggesting my account is in arrears. More importantly, I am receiving unemployment benefits and those statements and messages are adding to my stress and ire.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent a letter stating the Chapter XXXX that is reporting on my TransUnion report was unverifiable through PACER. TransUnion has been notified of this and they have failed to remove the chapter XXXX from my credit file. It is illegal to report any bankruptcy as the court states they do not share any information with the credit bureaus. They are in violation of Section 605 U.S. Code 1681C-1, Section 604 15 U.S.Code 1681 b, and Section 605 B 15 U.S. Code 1681 C-2. They have violated all of my FRCA rights as a consumer and I would like this removed within 7 days of receiving this complaint.
Product: Debt collection

The collection agency is calling for XXXX XXXX. I am not him. This is his sole debt. They are also calling my Mother. He is my ex husband. He is out on bond for XXXX charges of unlawful conduct on a child. I gave them his phone number, address, his parents address. They continue to call me and my Mother on her phone line. I asked them to stop calling me as did she request for the calls to us to cease. The calls continue to come.
Product: Mortgage

I was referred to NACA by a friend who used them 20 years ago. They advertise on their website that there is no down payment or closing costs as their program helps low income families of color. We signed up and were charged a {$25.00} fee that is charged annually and was told that we would be charged over {$15.00} each for them to pull our credit reports. We jumped through hoops uploading all out documents on their website, set up an appointment with a counselor who did not have access to our documents, ran our credit without reading the XXXX statement and did no answer any of our questions, but told her we would need to save for down payment and closing costs. We are feeling duped and feel this company if just taking our money. To add insult to inquiry, they want us each to support their business by representing them 10 times a year each, which is 20 times a year between me and my partner. I called NACA to complain and was transferred to a 'supervisor '. I got a voicemail where no on has ever called me back. I was told I could take my business elsewhere if I didn't like their practices. This company needs to be investigated because of false advertising amongst other lending practices that seems a bit sketchy. I requested to be assigned to a new counselor since me and my partner both felt we were being discriminated against because of our sexual orientation and we were told no. He never told us what we qualified for after running our credit. We're still wondering why our credit was run to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA is reporting 4 charge-off accounts that's been charged off since 2016 with inaccurate dates as well as missed payments days as well. Also, USAA have violated 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

PROHIBITION : a law or regulation forbidding something As stated by the IRS, Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting the 4 accounts USAA is reporting as charge-off accounts being inaccurate!

By Definition, The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says USAA, are a furnisher of information to a consumer reporting agency. Per this regulation I stated, USAA by law is prohibited to furnish inaccurate information. USAA is not doing nothing about it and it is effecting me and my family. 

I have attached my XXXX report and highlighted the USAA charge-off accounts that are in question to show them being inaccurate as well as payment history for the accounts.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX ran my credit report as I did not authorize them to run my credit report. I want this illegal and unauthorized transaction to be removed from my credit report. 

On XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AR XXXX illegally ran my credit report as I did not authorize them to run my credit report. I want this illegal and unauthorized transaction to be removed from my credit report.
Product: Checking or savings account

Returned my rental car. XXXX kept charging me and telling me I hadn't returned the car. So, they couldn't find a car I returned to their lot. I had a 6am flight out of XXXX so I had to drop the car off at 4 am, left the keys in drop box. A week later, I see a debit charge from XXXX. I call, what a nightmare, on hold for 30 minutes, they tell me I still have their car. I flew from XXXX to XXXX XXXX It was their way or the highway. eventually, they found the car and refunded the amount. After this experience, I asked for a new debit card from PNC bank so XXXX wouldn't have carte blanche on my account. So, new debit card... then, 2 months later, another charge from XXXX. How they did this I don't know. I called PNC, another nightmare, to dispute transaction. Weeks later, I get a notice from PNC saying they decided for XXXX. I asked what documents they used to make their decision. They said " XXXX sent us a receipt with your name, address, and account number. '' Do you ses the ridiculousness of this? Anyone who has had previous access to this information can use it. PNC was supposed to determine if this was FRAUD!!!! This entire incident has felt like a Twilight Zone episode. Has made me never want to travel again. The incompetency is bewildering. I had to CLOSE my PNC account to keep XXXX from withdrawing money from it. Of course now PNC is sending me to collections for not paying XXXX 's fraudulant charges.
Product: Vehicle loan or lease

I have an auto loan through Credit Acceptance. Today XX/XX/2022 they repossessed my vehicle with out sending a right to cure the vehicle. Im at a loss at what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick action and effectiveness in updating/correcting some of the negative accounts that were previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX XXXX : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I called the credit card company on XX/XX/2020, and ask if I didn't want any charges to go through on the card what can I do, I was told that they could pause the card, so I agreed to that service they had suggested. On XX/XX/2020 the credit card let a charge go through in the amount of {$1000.00}. When I called to find out why the charge went through, I was told that reoccurring charges would go through, I told the credit card company that was not explained to me when I called to stop charges on that card and I was not properly informed so I could have taken different actions at that time, told me I can dispute the charges in which I did, on XX/XX/2020 I received a notice that they declined my dispute dated XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a report was made in the amount {$1400.00}. Due to consumer reporting law 15 US 1681 ( a ) ( 3 ) this action has been deemed unlawful.
Product: Money transfer, virtual currency, or money service

I've repeated contacted customer support to get my account unfrozen and a new debit card issued. They are holding my money hostage. I've been on the chat with agent after agent. Each one treating me with absolute disregard. I was forced to pay fees for a new card they refused to give me. They are holding my money and they refuse to help me. I first contacted customer support a WEEK ago and they still have my funds held. I'm absolutely disgusted with the blatant disregard for my concerns and wish to file any complaint and seek every punishment possible. This is extremely bad business practices. I asked them to have a member of management call me XXXX  I asked several times. Each time they refused. I'm done with being lied to and treated like an advisary.
Product: Credit reporting or other personal consumer reports

I bought a white XXXX XXXX on XX/XX/XXXX from a dealership named XXXX XXXX in XXXX XXXX. I signed a XXXX year loan. I paid the last payment on XX/XX/XXXX which was the end of the loan based on the extensions I requested. So at the end of said loan, after my last payment was sent, confirmed and submitted based on Ally Financial Portal and its Representatives over recorded phone calls, Ally Financial then changed the ledger, created mark-ups and padding, and added {$3200.00} more dollars after the last payment had been received. After I requested over and over again, in writing, by way of certified letters, on the Ally Financial website portal and over numerous phone calls, Ally Financial refused to validate in detail the exact reasons for the additional amount due or where it came from. So I had to hire an accountant to review the account and review the Ally Financial ledger ( which they sent to me by XXXX ) My accountant could not justify the additional amount due as well. The accountant suggested that I request " an explanation '' So, I contacted Ally Financial and they still refused to " explain '' the amount due. Then I attempted to find a lawyer to represent me since Ally Financial said that they would only validate or negotiate the account with a lawyers office through their " Attorney Represented Client Department '' Throughout this entire time frame since XXXX of XXXX Ally Financial has been unable to confirm, explain nor validate their padded and marked up accounting ledger. They have severely damaged life byway of damaging my credit rating. I have been denied credit, denied loans, denied home loans. The credit report does not show the XXXX  years of payments. The only item listed on the credit reports and on all the bureaus is a balance of {$5400.00} The bureaus are no longer listing it as " in dispute '' The Bureaus show that I owe a balance with no details about the loan. Just because Ally Financial says so, without any validation, explanation or justification does not give the bureaus the right to destroy my life and continue to report fraudulent information. NOTE : In the past, Ally Financial has not prevailed with Class Action lawsuits relating to specifically " fraudulent padding and mark-ups on auto loans '' In addition, Ally financial sold itself to XXXX XXXX  XXXX XXXX of XXXX for XXXX XXXX, which means that Ally Financial no longer exists.
Product: Checking or savings account

Ive been having a Chime account for a couple years now Ive never really had any problems with it until I lost my information and charges were made to my account which took a lot of money out of my account. I called Chime so that they can dispute these charges chime made the dispute for me and without any investigation they denied all of my disputes within XXXX minutes after getting off the phone with them, I called them back the next day and told them what happened and they made more disputes for me and then again they denied all of my disputes after only XXXX minutes! When I tried calling back again to talk to someone to explain to them that they did not give me fair investigation they did not help me. I do not know why they did not give me a fair investigation and I feel, discriminated against.
Product: Debt collection

Its said that I owe XXXX dollars but thats impossible because on the dates thats its said which is in XXXX and XXXX I was in XXXX which is a state XXXX in Texas so how is it possth at I got in debt when Im in  XXXX dont make sense to me I did not give no one permission to do anything under my name so please help me with this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out via certified mail and phone regarding issue of unauthorized inquiries on y credit report. I sent certified mail XX/XX/22, XX/XX/22, XX/XX/22 and a followup phone call XX/XX/22 which resulting in a XXXX long wait and then being hung up on. I informed them that I have noticed a number of hard inquiries that I did not authorize nor apply my signature to nor are attached to any account I possess and having these inquiries in error on my report is preventing me from obtaining new credit. and I need removed immediately. No response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

I am very disappointed and I will call my lawyer ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, Affirm I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private information. As of today XX/XX/2022 I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private information. Also, I do not have a contractual obligation to your company as I have never signed a contract with you nor gave you consent to have any of my private information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes for the purpose of collection only. Which is what your company is doing, Therefore I demand your company, its partners, and affiliates to delete the items you are reporting on my credit report because you are infringing on my right of privacy. Please do so within 10 business days and I prohibit your company from transferring this account to another debt collector. 
I am giving your company 30 days to update my request, cease furnishing my private information & cease & desist all communication unless it pertains to resolving this matter, updating my request, or sending check to my above address. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights and I demand that your company does not have an attorney contact me as that will be a violation of 15 U.S.C 1692e ( 3 ) which states The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
Best regards