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

I am writing to formally dispute the unauthorized access of my student loan information by the Department of Government Efficiency ( DOGE ), led by XXXX XXXX. Recent reports indicate that DOGE has gained access to sensitive data, including personal and financial details of student loan borrowers, without proper authorization. 

This unauthorized access raises significant concerns about the privacy and security of my personal information. I request the following actions : Immediate Investigation : Conduct a thorough investigation into the extent of DOGE 's access to my student loan information.

Confirmation of Data Security : Provide written confirmation that my personal and financial information remains secure and has not been compromised. 

Preventive Measures : Outline the steps being taken to prevent unauthorized access to borrower information in the future. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I have a Judgement reporting on my credit report that is completely inaccurate. I have sent the credit bureaus multiple letters asking them to verify the accuracy and they claim they contacted the court however I sent the court a letter as well and they claim they do not verify anything with any credit reporting agency. The credit bureaus are falsifying their investigation results and lying to the consumers
Product: Credit card

XXXX, CA-XXXX XX/XX/XXXX XXXX Senior Specialist, Corporate Consumer Relations, Synchrony Bank XXXX, SD XXXX Subject : CFPB Case # XXXX AEO, Inc Account Number Ending in XXXX AEO, Inc Account Number Ending in XXXX Dear XXXX, As per your respond on XXXX XXXX XXXX, you requested delete AEO, Inc hard inquiry from XXXX XXXX XXXX. ( Your respond attached ) However already 60 days passed and still remains on my XXXX credit bureaus report. ( credit report attached ) Please be good enough to delete that hard inquiry as soon as possible. 
And I am using card almost more than 6 months and if possible to reconsider upgrade my card to XXXX Card. 

Thanks XXXX
Product: Debt collection

I was given misleading information about payment plans and that it was not going to be reported to the credit bureau while in the payment plan. They then reported to the credit agency without notifying me that the current plan I was on would not prevent this. They didn't send me information to dispute the debt when first contacted.
Product: Debt collection

XX/XX/2021 I mailed letters to XXXX XXXX, and XXXX. Also, the collection companies XXXX XXXX XXXX, XXXX, and Account Resolution Corporation for the violations of the HIPPA Law and Privacy Act. I requested validation and a written consent to release any medical information. Also, any written consent to even put these accounts on my consumer reports. I have not received any response for none of the collection accounts and its been over 30 plus days.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and Transunion credit bureaus is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed I had a late payment on an account that I was never late ( XX/XX/2019 ) and the late payment is also shown on different dates through the different reporting agencies, demonstrating the inconsistency of the information. I already talk to my bank and they told me to make a claim to credit agencies for incorrect information. 

For Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX - XXXX.
Product: Money transfer, virtual currency, or money service

Below is the synopsis that was sent to the FTC : This is an update, addition, clarification and correction to the previous submitted report. 

To begin with, I was in a stock market trading group called XXXX. XXXX is a stock market trading online instructional provider in XXXX. An individual named XXXX XXXX is/was the group leader and coordinator in XXXX. Her contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). The user ID is XXXX, channel ID is XXXX. 

XX/XX/XXXX this person contacted me to join in a come back community promotion for a day trading course. The individual ( hereby referred to as HER/SHE ) stated in order to join the class i would need to open an account in XXXX to use for study purposes, which I did so. I was instructed to to send the money to her partner XXXX XXXX XXXX CashApp, which I did through our personal checking account on XXXX in the amount of {$1000.00}, in total. 

During this transaction I was reluctant/suspicious, however, when CashApp verified the transaction I assumed it was legitimate due to the verification process CashApp has implemented. 

After logging back into my XXXX account I saw that she had transferred in total {$1000.00} into my XXXX which further gave me confidence in the legitimacy. 

At this point she told me that in order to start the day trading I needed to fund the account to {$5000.00}. I informed her that I did not have {$4000.00} to invest. At this point she said she would invest {$2000.00} of her own money if we could provide the other {$2000.00} to reach the total of {$5000.00}. Again the {$2000.00} 'appeared ' in the 'account ' further adding to our trust in the legitimacy. ( In hind site, we realize there was no 'account ', just coding. ) She told me that the trading class could not start until my account balance reached {$5000.00}. For the additional {$2000.00} from our side, we used a cash advance on a credit card for the balance. 

At this point, She told me to create an account in XXXX XXXX so I would be able to withdraw funds from XXXX as they came available. She 'sends {$1500.00} from CashApp XXXX XXXX XXXX. She contacted me to ask for confirmation of receipt of the {$1500.00} in XXXX XXXX. As soon as I confirm, the total {$1500.00} was withdrawn, I assume by her, and was therefore a XXXXXXXX XXXX 

At this point I go back to the XXXX site at the total funds in this 'account ' is {$9400.00}. This is a 'profit ' of {$4500.00} and a total amount deposited of {$4900.00}. I tried multiple times to withdraw differing amounts but every time the site 's message was " sorry, the minimum amount you can withdraw is {$10000.00} ''. 

At this point it became abundantly apparent that all of this was a scam, further evidenced by her completely blocking me from all messaging apps. We contacted CashApp regarding this as we assumed that CashApp would vet its users. We filed a dispute with CashApp with request for a refund, case number XXXX, however, they ultimately denied the claim. We are further pursuing CashApp for resolution, as we stated, we feel they failed to properly vet this client.
Product: Credit reporting or other personal consumer reports

XXXX was a hard inquiry on my credit report. I contacted them to find out it was a company out of XXXX. The company stated i did not have any account under my name. Yet someone tried to use my social to open a card with this location. The application was denied for information issues, but still is a hard inquiry on my account. Now i am in the process of disputing this on all credit bureaus for fraud, and put a fraud alert on my account.
Product: Debt collection

A woman keeps calling saying she is a representative for  XXXX  and Northstar. She says she is calling in regards to a matter between my wife and her stepfather.     She asks for my address, my wife 's phone number, and her social.     I keep asking what this is about, and the lady tells me if I give her the before mentioned information she will then and only then let me know. The lady is very aggressive in trying to get the information from me. She has called repeatedly and I have asked for them to stop.     I keep explaining that I am not comfortable giving personal information over the phone.     The last call the lady got very angry with me and was close to yelling and threatening me.
Product: Credit card or prepaid card

I hired the housecleaning service XXXX to clean my apartment on XX/XX/XXXX, but they notified me via text before my appointment time that their worker was unable to make it, and they needed to cancel my appointment. And so they never showed up. This was just as the Covid pandemic was starting. At the time, I was not charged, and thought that was the end of the matter. Note that my phone only stores text messages for six months, so I do not have their text cancelling the service. When I used their service prior to this, they asked me sign something to verify the cleaning had been completed ( obviously this time I did not sign anything, as they never showed up ). 

Then seventeen months later, in XX/XX/XXXX, I was charged {$83.00}. I contacted my credit card company, Barclay 's, but was told I needed to first contact the merchant. I did text XXXX, who said they would " fix '' the charge, but they did not. Note I am including that text conversation. In it, XXXX says the cleaner completed the cleaning wrongly, which is *not* true- the cleaner never showed up. Nonetheless they said they would " fix '' the charge, but then nothing happened, so I then initiated a dispute with Barclay 's.

Barclay 's sent me a letter dated XX/XX/XXXX, saying they were rejecting my dispute. XXXX apparently provided to Barclay 's evidence that I had originally booked an appointment with them, but they did not and can not provide evidence that they actually showed up and cleaned my apartment, since they did not. They did not provide the signature they require when a cleaning is completed. But for some reason Barclay 's took this as " proof. '' On XX/XX/XXXX, I faxed a long letter to Barclay 's explaining all of this and asking them to re-open my dispute. But as of today, I had not heard back, so called to follow-up. I was told by Barclay 's that they did not re-open my dispute, but they could not tell me why. I asked to speak to a supervisor and was told it could take up to 15 days to receive a call back from one. I have already spent hours on hold and trying to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on multiple ocassions about the inaccurate reporting on my credit file. There XXXX inquiries associated with an identity theft of my personal information. The accounts that was associated with these inquiries were removed and I was told to file a report with the FTC and forwarded a copy of the report to Equifax. 
I did on XXXX occassions! They stated they did not receive a fax that I sent using a number they forwarded to me. I then sent a letter by mail that they stated they did not receive and finally I sent a registered letter which they confessed they received and was working on the dispute. 
This letter included a copy of the FTC report and a letter a orginally sent to them. I was told they had all the paperwork and I received a letter from Equifax stating they had deleted the inquires. That was not true and they still remain after 11 months! 

These are the XXXX inquiries : XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith purs
uant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Student loan

Ive been paying my student loans for years and never seem to qualify for loan forgiveness.
Product: Credit card or prepaid card

On XX/XX/XXXX, I had a reservation for a XXXX XXXX XXXX XXXX that I booked through XXXX. I arrived on time to pick it up with my partner, whose name I put on the reservation since I expected he'd be the primary driver. My partner lost his driver 's license while we were traveling, and despite him having the license number, he wasn't able to claim the rental car. 

The manager at XXXX XXXX XXXX XXXX told me that if I had booked through them, they'd either be able to change the name on the reservation to my name or add me as a driver with no problem whatsoever. But, since I booked through XXXX, I was required to ask them to make the change. 

I spent nearly an hour on the phone with XXXX and they refused to add me as a driver or change the name on the reservation. I asked to speak to a manager multiple times and the person I spoke to refuse to escalate my issue to someone who could help. We were stranded at the airport without a car despite making reservations well in advance! It was a nightmare. 

So, since we were out of options, I had to purchase another rental through XXXX and paid {$350.00}, which is {$110.00} more than I paid XXXX for the same exact car. Attached is the {$350.00} charge from XXXX XXXX XXXX XXXX which was posted to my account on XX/XX/XXXX when we returned the car. 

I asked Citi Bank to remove the {$240.00} charge from XXXX on my account within 14 days of the incident. Citi didn't get back to me to reject my dispute until XXXX XXXX almost 3 months later! I immediately called their service department and tried to appeal. I also appealed in writing via email. *This is a service I paid for and did not receive. * XXXX XXXX XXXX XXXX management confirmed that there is no reason why they couldn't have either added me as a driver or changed the name on the reservation. For goodness sake, my name was on the credit card that I made the reservation with! 

Today, a month after I filed the appeal, Citi finally responded with, " we no longer have any recourse to obtain credit for you since the timeframe, in which to resolve a dispute had passed. '' It wouldn't be outside of the timeframe if Citi didn't take so long getting back to me the first time! 

This has been an awful experience and I am regretting having chosen to have a credit card and bank accounts with Citi.
Product: Checking or savings account

I opened a checking account in XX/XX/2020. There was a bonus offer associated with this account of {$400.00}. Although I met all the requirements, the company CapitalOne did not give me the bonus. I have contacted them three times but they were unable to find the problem and credit the bonus.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft and After Several failed attempts to rectify and conduct a proper investigation to Experian, Experian failed to properly address my disputes : Experian used faulty intake procedures and does not accurately convey all relevant information about my disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sent me notices that failed to inform me of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent.

Improperly reinserting inaccurate information on consumer reports : Experian has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, Experian improperly reinserts inaccurate information into my report because it fails to match newly reported information with records of previously deleted information from my report even after notifying them of the identity theft police report as well as substantial evidence of fraud. when i have disputed the accuracy of an account and thought that my consumer report had been corrected, instead i see the same inaccurate information reappear on my consumer report without explanation under the name of a new furnisher.

In addition to my complaint and disputes they have violated my rights as a consumer. which is violations of the FCRAs requirements, the CFPB has also learned that Experians faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practices. I have contacted Experian repeatedly regarding this identity theft, I have also filed and submitted complaints disputes, dispute letters, shown proof of my identity has been fraudulently used, Experian has on multiple occasions ignored my request to block, fix, delete these items from my report and has not adjusted either my report or credit score.
Product: Credit reporting or other personal consumer reports

In Accordance with Fair Credit Reporting Act XXXXXXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to express my growing frustration and disappointment regarding the ongoing issue concerning the correction of a late open accounts, despite repeated attempts to rectify it. This letter serves as a formal complaint concerning the 6th unsuccessful endeavor to address this matter.

The continued presence of this late open accounts on my records has caused me significant distress and inconvenience. It not only affects my financial standing but also undermines my confidence in your institution 's ability to handle such matters effectively and efficiently. 

I urge you to take immediate action to rectify this situation comprehensively. This should include conducting a thorough review of my account records to identify the root cause of the discrepancy and implementing measures to ensure that similar errors do not occur in the future. With this, I am asking for your assistance to correct these accounts in my credit file XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Today ( XX/XX/2018 ) I called chase bank in regards to mine and my husbands joint account. Our debit cards were declining and my husband was not able to access his bank information through his phone. They informed me that our account had been restricted and that they decided to end their relationship with my husband. No reason given, in fact we were told they did not need/have to disclose that information. Were supposed to call them back tomorrow when the banks are open so they can approve or not approve the branch to release our funds to us. My husband is in the military and this is not our idea of customer/military care!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I've been a victim of identity theft I was trying to rectify the situation by calling all three of the bureau 's XXXX  XXXX and Transunion I wasn't able to rectify the situation I wasn't able to get in touch with anybody I've been put on the whole for about morning 30 minutes each time I would like help with this situation thank you
Product: Debt collection

XX/XX/2017 ( 1 yr ) Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Claim : {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This my several endeavor to file a complaint in my personal credit report information that are questionable. I would like to dispute certain inaccurate information in my file which I believe are possibly an Identity theft and it was deleted from other bureaus. the inaccurate information 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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I purchased a company vehicle because I had established business credit to obtain a business loan. From XXXX XXXX Ive had a hard time paying the loan because the company has been impacted by the Covid 19. After checking my personal credit report Ally is reporting on my personal credit report. Ive signed up three times for an extension and paid the extension and ally never honors it. They are still asking for the amount that was last due. 
Recently, I went into an agreement on XX/XX/XXXX. The first payment was due XX/XX/XXXX. I paid the first payment XX/XX/XXXX online. Ally tried to take another payment from an account that I didnt authorize that. My extension payment didnt get noticed. In XX/XX/XXXX I tried to make a payment and the system is requesting {$1000.00} instead of the required {$380.00} that I agreed to. I called on XX/XX/XXXX and the representative notated the account and saw where I made the agreement and that department was closed. Today XX/XX/XXXX I spoke to 5 people and no one assisted our company. This is unacceptable and predatory.
Product: Credit reporting or other personal consumer reports

XXXX XXXX DATE OPENED XX/XX/2023 BALANCE $ XXXX not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). I demand account removed to prevent further Identity theft of personal information.