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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXX/XX/XXXX# XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$25000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Product: Student loan

I received a student loan from " Discover Student Loans '' in XXXX 2015. I had a XXXX credit score at the time, and my Federal aid would not cover Out of State Tuition. I accepted the loan for 6-12 % fixed rate interest, sure that I would receive close to the lowest. Half way through the semester, I receive notice ( through the loan servicer, mind you ) that my interest rate would be the full 12 %, and I was forced to drop out, so that the XXXX half of the tuition bill would be refunded. Discover Bank used the most predatory loan terms possible.
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. 

Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account : Account Number : XXXX Account Name : XXXX XXXX Account : Account Number : XXXX Account Name : XXXX Account : Account Number : XXXX Account Name : XXXX  XXXX Account : Account Number : XXXX Account Name : XXXX XXXX  Account : Account Number : XXXX Account Name : XXXX Account : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX - XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX  XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX  XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX 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: Debt collection

This company is in violation of the Fair Consumer Protection Act. I have told them that the person they are looking for is not at my number. I have also told them the number they are calling is a cell phone, and that they may not contact this number. They ignored me and continue to call from different numbers. 

Numbers called fromXXXXXXXXXXXXXXXXXXXX
Product: Debt collection

Notice of debt letter received dated XX/XX/2020. Called company Linebarger, Goggan Blair & Sampson, LLP at XXXX address listed as XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX on XXXX-20 at approximately XXXX XXXX. Spoke with XXXX who stated the debt is for XXXX ; however, account summary received in mail states debt is {$1.00}, XXXX. XXXX stated she could look in the system to see if there are other accounts. This account involves one vehicle license plate identification. 
False amounts listed on notice. Violation of the FDCP.
Product: Debt collection

Notice to Principal is Notice to Agent-Notice to Agent is Notice to Principal This is a form of " Conditional Acceptance '' to the commercial estate or natural to exemplify the falsehood and misrepresentation, observed as defamation of character ; but the allowance of the said debt to the property will stand unless proven false : -Under the Privacy Act of 1974 prohibits agencies to deny the rights and benefits or privileges of the individuals who refuse to disclose their Social Security Number. Please provide evidence that this didn't occur -That the said debt in commercial-estates or natural was signed with a wet inked signature allowing third party agencies to tamper, adjust, collect and infringe upon the estates private secured common law copyright consumer protection obligations through unlawful debt. Breach of contract.

- Please provide that evidence that the Secretary of Treasury isn't responsible for paying interest on the public debt of the United States and that the commercial public estate wasn't already offset and discharged. 31 U.S. Code 3123 -The Federal Law doesn't protect US consumers, or naturals from abusive, unfair, or deceptive collection practices by third party debt collectors such as XXXX XXXX XXXX XXXX TransUnion XXXX 

- Fair Debt Collection Practices Act FDCPA isn't passed by Congress to Protect the consumer ( beneficiary ), can't be liable/responsible for damages.

- That 611 ( 15 U.S.C. 1681 ( 1 ) and isn't in accordance with the accepted STANDARD of metro 2 data field reporting. The information has been proven to be true, correct, or verified.

-Please provide evidence that under15 U.S.C. 168i ( 7 ) that the methods of verification of this account ( s ) weren't in violation and wasn't reported without valid evidence. The commercial estate.

- Please provide evidence that the SF-181 along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX doesn't apply to the Consumer Credit Fair Trade. Please share that the XXXX XXXX trademark XXXX isn't a trademark. 

-Please provide evidence that a common Law copyright refers to a legal doctrine that grants copyrights protection to the original work of authorship and the commercial estates name isn't copywritten. 

- Please provide evidence where the Resignation of Registered Agent Affidavit filing and recording has XXXX worthiness with the Consumer Financial Protection Bureau. 

- Truth-in-Lending Act, a creditor a defined as : A natural person, business, or financial organization that services mortgages loans. A natural person, business, or financial organization that regularly extends credit to consumers.
Product: Credit reporting or other personal consumer reports

I disputed my student loan with Experian. I stated that my loan was supposed to be discharged and completely removed from my credit report by XX/XX/24 by court order from the case XXXXXXXX XXXX XXXX. I included the letter stating that I was a XXXX XXXX XXXX of the case and that my loans would be : discharged, refunded, and completely removed from my credit by XX/XX/24. 
XXXX student loans still appear on my credit report with delinquent payments. They show a balance of {$31000.00}. They responded to my dispute saying that they had updated the information I requested, but nothing was changed. The balance still remains and the credit line and complete history still show in my report.

This has been hurting my ability to get a loan and a mortgage for over XXXX  years now. It was finally supposed to be removed by XX/XX/24 and it has not been. The Dept of Education and all XXXX credit bureaus are now in breach of that court order. I have submitted disputes directly with XXXX and XXXX but have not received responses yet. 
Experian did reply and said it was resolved but did not resolve it at all.
Product: Money transfer, virtual currency, or money service

I cant change my account information Im XXXX for PNC Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Amount XXXXXXXX XXXX from XXXX XXXX its fraud
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issue I am experiencing with Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I initially contacted Equifax to address the following discrepancies on my credit report. Unfortunately, to date, there has been no response from Equifax. 

Details of the inaccurate information and the required corrections are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request correction/update of inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my personal credit report, I have found inconsistent data on my report and would like to resolve these issues for the following accounts : XXXX XXXX # XXXX Delete this account for inaccuracies : Date of charge offs on reports have inconsistent dates. TransUnion reports no charge off XX/XX/XXXX, XXXX reports charge off for XX/XX/XXXX, XXXX reports no charge off for XX/XX/XXXX Account Type is inaccurate.TransUnion reports XXXX Account, XXXX reports XXXX XXXX, XXXX reports Installment XXXX # XXXX Delete this account for inaccuracy because Date of Late Payment reports inconsistent dates. TransUnion reports late on XX/XX/XXXX, XXXX reports late on XX/XX/XXXX, XXXX reports late on XX/XX/XXXX XXXXXXXX XXXX  # XXXX Delete this account for inaccuracy because Date of Last Payment reports inconsistent dates. TransUnion reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to seek assistance with a tax reporting matter involving these charged-off 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  ) for which I have not received a Form XXXX. This form is necessary to properly notify the Internal Revenue Service ( IRS ) about the cancellation of debt, as required by federal tax law. The account in question was charged off by XXXX Bank Delaware on approximately XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ; I have made multiple attempts to contact the creditor and request the Form XXXX, which is required for accurate tax reporting. However, to date, they have not provided the form, nor have they indicated when it might be issued. As a taxpayer, I am committed to fulfilling all reporting requirements accurately and timely. The lack of Form XXXX, however, has created uncertainty regarding my tax obligations for the period in question. I am concerned about potential IRS penalties or issues that may arise due to the absence of this documentation. I would appreciate any assistance the CFPB can provide in helping to resolve this matter. If necessary, please feel free to contact me at the information provided above for any additional details. Thank you very much for your attention to this issue. 15 USC 1681 15 USC 1681 s 602 15 USC 1666B ; 15USC 1681b ( 2 ) Never gave written consent to have them reported. Civil Liability for willful noncompliance.
Product: Credit card

Someone stole my identity. They have my social security, date of birth, address, etc. are trying to open credit cards under my name via the Internet. Not in person. Believe it was an internal employee from XXXX for that I do not make purchases on the Internet or give my personal information to anyone.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : I submitted my payment for XXXX on time, well before the due date. I have attached bank statements and payment confirmations that clearly show the payment was processed before the deadline, yet the payment was incorrectly recorded as late. 
Clerical Error at XXXX : After noticing the error, I contacted XXXX customer service, and they confirmed that the late payment entry was a result of a clerical error on their end. The payment was applied to the wrong account, which delayed its proper processing. I have attached email correspondence from XXXX that acknowledges this mistake. 
Delay in Payment Posting by XXXX : The late payment entry is also a result of a delay in XXXXXXXX payment processing system. Although the payment was made well in advance of the due date, it took several days for XXXX to post the payment to my account. I have attached communication with XXXX customer support, where they confirm the delay in posting the payment was due to their internal processing issues, not my failure to make a timely payment. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

LexisNexis is reporting incorrect information on my consumer report. My name is XXXX XXXX there should be no other names listed on my report and no other variations. My only address XXXX XXXX XXXX XXXX, CA XXXX any other address is incorrect and I have no affiliation with the address. As a consumer reporting agency you are required to maintain accurate records. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

Capital One has been experiencing issues with services since XX/XX/XXXX. I experienced app outages and withdrawals/bills that failed. Capital One did not formally notify anyone of the issue until a generic email sent out the evening of XX/XX/XXXX. The call center reps go between saying they dont have any information to saying the services should be fixed by tomorrow ( XX/XX/XXXX ). It is now XX/XX/XXXX and my direct deposit is not in my account. The issue has not been resolved, I have multiple bills that should be coming out yesterday and today that will be subject to rejection or late fees. I have to clean up the mess that Capital One made ( while having a negative balance in my account and cant afford food or gas for work today ). Their poor communication is absolutely inexcusable and solves nothing.
Product: Credit card

Kikoff was a lender I partnered with. I was very pleased with there services. i made a error by deleting the subscription. My intentions were to pause the subcription. When I found out what happened. I applied and was denied. I explained to kikoff but got no help in getting access to the platform. All I want is to be able to use the services.
Product: Debt collection

The original creditor was not one LVNV Funding LLC in the amount of {$800.00}. this is for some medical expense that per legislation can not be resolved as a debt collection on my credit report.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding

Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I went to the XXXX XXXX in XXXX XXXX at XXXX XXXX, asked to look at mattresses and stated that i did not want my credit ran. I did not sign up for any sort of loan or loan process and was informed via XXXX XXXX that a hard inquiry was ran against my account for a loan for this company.
Product: Debt collection

Rented an apt from landlord for 5 years and on XXXX of 2011, the complex had a fire, set by an XXXX who fell asleep while cooking something that morning. After talking to the landlord, I informed him of moving. It was a total inconvenience, and I was n't safe living there. There was no power, electricity, water, or heat. He said if I break the lease, I 'll get jail time and sued. It was thrown out of court, and the landlord agreed to remove from my credit. It never happened, it 's still on my credit today!
Product: Checking or savings account

I opened a new account with TradeStation on XX/XX/year> with the XXXX XXXX XXXX under a promotion where after depositing {$500.00} in my account I would receive a {$150.00} bonus ( $ XXXX for the first 2 months ). I completed all of the criteria, maintaining a {$500.00} balance from XX/XX/year> through XX/XX/year>, but was not given any bonus. 

I contacted support and was told that I would not receive the bonus because I had received a bonus in the past for a previous offer, so I don't qualify for this one. After some discussion with the support agent it was clear that the original terms did not state this, as I already knew. The only quote from any terms and conditions that they could provide me was : " TradeStation reserves the right to terminate this offer or change the terms and conditions at any time ''. 

Their argument for denying my bonus is that they are allowed to change the terms at any time. However they admitted that the " new terms '' were never made available to me in any way, they are unable to tell me when the terms supposedly changed, and they are unable to provide me with the new official terms that state how I'm not eligible. 

It seems clear to me that the terms were never actually changed. There are no new terms that prohibit me from getting this bonus. They simply retroactively decided that they don't want to pay this bonus and are saying no because they can do whatever they want to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report XXXX from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Product: Money transfer, virtual currency, or money service

Paypal took my money after 6 months, Paypal said they will release my money after 6 months that's why I waited. They don't even said the specific violation I did. I just did a typewritting jobs