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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX  XX/XX/XXXX
Product: Student loan

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> To : CFBP Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans Dear CFBP, I am writing to formally lodge 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 Governmental Entities ( 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 ( PII ). 
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, XXXX, 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 resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX is reporting a debt I do not owe. I made my last payment in XX/XX/2015 and gave a 30 day notice to indicate I was leaving. They are trying to charge me for the entire time that the apartment was vacant before new renters. This debt should be past the statute in California as the date of last activity they have is inaccurate.
Product: Debt collection

I am constantly receiving harassing and threatening telephone call from XXXX XXXX debt collector Integrity for a debt of {$97.00} I do not owe. The account is an unauthorized and fraudulent account that 's the result of identity theft. The account do not belong to me.
Product: Credit card or prepaid card

As of XX/XX/XXXX I had a balance of {$4600.00} on my Wells Fargo credit card. The whole of this balance was from a balance-transfer offer and was financed at 0 % apr until XX/XX/XXXX. On XX/XX/XXXX I made a purchase for {$270.00} using the card. This purchase was subject to a 16.99 % purchase apr. On XX/XX/XXXX I made a payment of {$320.00} and on XX/XX/XXXX I made another payment of {$1900.00}. These payments were well in excess of the {$48.00} minimum payment for my XXXX statement cycle, yet neither was applied to the purchase balance that was accruing interest, as they should have been under US federal law and CFPB rules. According to Wells Fargo, as of XX/XX/XXXX, I still have a XXXX purchase balance accruing interest at 16.99 % and I have been improperly charged a total of {$6.00} in interest for this purchase.
Product: Credit reporting or other personal consumer reports

With phone calls & nochange to my report I am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Credit reporting or other personal consumer reports

Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute and demand the immediate removal of an inaccurately reported account from my credit report. The account in question is with XXXX XXXX, which has erroneously recorded my name, indicating a mix-up of my information with someone else 's and declared as repossession. Upon scrutinizing my credit report, I discovered that XXXX XXXX  has listed an account that does not belong to me. This is a clear case of mistaken identity, as the account is associated with another individual who shares a similar name. This error has led to the incorrect reporting of information on my credit report stating that the account is repossessed, adversely affecting my credit standing. 


XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted GM Financial on XX/XX/2018 to request that my payment be moved to the end of the loan for my XXXX  XXXX XXXX. I spoke with a rep who said that all I had to do was pay XXXX or something like that and my request would be granted I made the payment with the rep and she said the request was approved and took care of other things I need to take care of financially. The rep called back and said my request got denied because my account was to new and I explained to her I had already used the other portion of the money for other things and had she told me while on the original phone call that my account was to new and it wouldn't be approved I would have just made the entire payment but I didn't cause she stated the request was approved and I was ok. Gm Financial reported my account as 30 days late in XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

US SM BUS ADMIN ODA XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

CREDIT COLLECTION SERVICES BOUGHT TITLE TO A DEBT THAT HAS ALREADY BEEN CHARGED OFF AND IS NO LONGER VALID. THEY ARE NOT IN ANYWAY A CREDITOR BUT HAVE USED MY PRIVATE INFORMATION IN COMMERCE IN VIOLATION OF ILLINOIS STATE LAW. ACCORDING TO ILCS THEY MAY BE HELD LIABLE FOR CONSUMER FRAUD AND IDENTITY THEFT AND I WANT THEIR FRAUDULENT CLAIM ERASED FROM MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank. # XXXX .... {$2.00}... XXXX XXXX # XXXX ... $ 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.
Product: Debt collection

On XXXX I received a letter stating I owed Diversified consultants {$200.00} plus dollars for the same XXXX account that was with XXXX back in XXXX. ( see attached ). I sent a letter certified mailed to the following locations a XXXX XXXX and A physical address to XXXX XXXX. ( See Attached ). This company has refused to verify the debt owed according to the law. the reselling of an unverifiable debt. This collection agency has not verified this debt and they still continue to report to credit bureaus.My rights under consumer protection afforded by the FDCPA are continuously violated by this company. FDCPA Section 809 9b0 XXXX opinion letter XXXX from XXXX say this company would owe me {$1000.00} in damages.I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : XXXX XXXX XXXX XXXX ] ( XXXX ) The false representation of -- XXXX the legal status of the alleged debt and XXXX any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Equifax and XXXX are reporting non-existent " XXXX XXXX XXXX '' on my reports which are totally fabricated and are negatively impacting my credit score. Equifax has been reporting this made up account ( which is a duplicate of my mortgage account as it has the same name and account number ) since 2017 and I have disputed it 8 times by sending certified letters requesting it be removed. Each time, they respond by stating they " Verified the accuracy of this account '', which is impossible. 

XXXX picked this false account up from Equifax late last year. They do not even list an account name or account number, so are reporting a generic account which does not exist. They, too, have refused to remove this after sending multiple dispute letters via certified mail. They are damaging my credit with an account they can not provide a single detail of. 

Both Equifax and XXXX are seriously violating my rights to accurate information in my credit reports per the FCRA. They are also in violation for lying to me about verifying these accounts. They are destroying my reputation, costing me time & money and denying my rights. Nothing I do will stop them. I NEED HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to ABSOLUTE RESOLUTIONS, yet ABSOLUTE RESOLUTIONS is not removing this fraudulent account. ABSOLUTE RESOLUTIONS has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet ABSOLUTE RESOLUTIONS has refused to do this. The following is the fraudulent account : ABSOLUTE RESOLUTIONS/ XXXX which was opened at an address where I have never lived at and it has nothing to do with me.
Product: Consumer Loan

I had this car payment and was never late for XXXX years. In year XXXX I ran into hardship and moved to a different state due to a domestic voilance situation. After being back the car was repossessed. I was able to borrow money to get the van back. Mean time I was diagnosed with XXXX and been going through XXXX and XXXX treatments and been doing my best to pay the payments. There were times I would call the institution and was not able to reach anyone after calling cause being on hold for hours, or even not able to get a ring tone. So it was not let even through all that has been going on with my health hat I did not try. Even on my lowest my sister had called for me in early XX/XX/XXXX this year to try and get some information so that I could get help and they told her they could not give her any information. She just wanted to know how much more was owed on the van. That 's not personal information and should of been released to her due to if a car dealer would of called they would of told them and I would n't of had to be there. On the XX/XX/XXXX I was able to get someone on the phone and ask if there was anyway due to the fact that of in XX/XX/2017 the van would be at the be of the loan they could please work with me and that I was finished my XXXX and getting back on my feet with everything that has happened. I was told if I could come up with {$300.00} they would n't take the van. She did n't know when they were coming to get the van. Well later that night the van was taken. I was able to borrow more money they demanded in order to get the van back, went to the payment location, even though there was some miscommunication they could clearly see the payment was made it took one day after for everything was able to get situated. I get a phone call that I can go and get my van. When I call the to get the address so that I could go pick it up. I was told the van was on it 's way to the auction. The payment was made now I '' getting the run a round. I feel like I 'm a victim of a predictor lender that no matter what my rate will keep going up and no matter how hard I would try I will never be able to pay this van off. I already paid this car XXXX over I believe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently done a dispute with the 3 major CRA and at the end there were so teams proven to be inaccurate reporting and was removed from my XXXX report. Im having problems with Experian and XXXX getting the items removed I would like for the items to be deleted from the two CRA ASAP as the information is not correct. Ive also asked for documentation with my signature and nothing has been given to me please see documentation attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

I represent the seller and am her co-listing agent along with XXXX XXXX at XXXX XXXX. We were able to submit a bonafide offer to Wells Fargo and complete the required documentation for a short sale review within 30 days of submitting the offer. 
Then the bank proceeded to state that there were internal issues with the Banks ability to processed the short sale in a timely manner. The bank continued to request information and sometimes even odd requests, like " What is the property address? '' requesting me to send them county records of the address? This continued for well over 6 months, when finally we got an approval letter. Unfortunately the buyer decided to not purchase the home since values were decreasing across the the county and found another property to purchase. We were able to get a new buyer, offer submitted to the bank within 1 business day of the file being removed and could have done it sooner but the closer asked me to wait to submit the new offer so the file could be properly closed out and ready for a new short sale offer to review. 
The real issue is that Wells Fargo told me that the Statue of  Limitations will run out by the XX/XX/XXXXand we wont be able to do a short sale after that date. I have been submitting all the proper documentation and have asked for a variance to extend the " kill date '' since Wells Fargo ate up so many months of having a buyer on board to close. We can close in the next 2 weeks, but cant do anything without a new approval letter and an extension granted to allow the time to get the new approval letter.
Product: Credit card

I applied for the Chase XXXX XXXX credit card which was opened on XXXX XXXX. As part of this account opening I was to receive a {$300.00} travel credit for each calendar year which must be included on in your last billing cycle for that year. On XXXX XXXX and XXXX I made travel related purchases to ensure I received the full benefit. Chase decided to only reimburse me for the purchase on the XXXX informing me they has predetermined my close date would be the XXXX. This was not documented anywhere on the opening credit card documentation, and was not available to me on their website. I was not informed of this close date until after my purchases had been made resulting in a loss of {$130.00}. Considering the card has a {$450.00} annual fee this was not desirable. When I called to report, Chase agreed with me that the information was not published online or in my opening documents but would not reimburse me saying their system did not allow for them to correct this and that they would be doing nothing else to correct my situation. It was very disappointing how they acknowledged their own system limitations but were not willing to address the situation to make it right.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting some personal information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Additional I have also been a victim of XXXX XXXX  pursuant to FCRA 605C ( 15 U.S.C 1681c-2 ). Please remove the following accounts immediately as these accounts were the product of me being XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( There are two accounts ). XXXX XXXX XXXX, and XXXX XXXX XXXX these accounts are all reporting to XXXX. XXXX XXXX XXXX and XXXX  XXXX XXXX are reporting to Equifax. XXXX  XXXX XXXX XXXX ( Two of them ), XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( Two of them ) XXXX XXXX XXXX are reporting to XXXX.
Product: Debt collection

XXXX is attempting to collect {$200.00} from me. They assert my service was disconnected and that this is a past due balance. I am a current XXXX customer and have been for 7 consecutive years. XXXX claims this balance is due from an older account number which was cancelled due to a change in service. In speaking with a service rep yesterday, they said they saw that last bill for that account which stated the balance should not be paid and that it would be transferred to my current account. They now claim they never transferred that balance. Well, my current account has no past due balance, and in fact is paid by auto pay through my credit card. I only heard of this three year old balance from delivery of a collection letter. I believe XXXX is making up this charge from something they acknowledge occurred three years ago ( XXXX 2013 ). In my call to them, they refused to remove the balance from their records.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$16000.00}
Product: Money transfer, virtual currency, or money service

My girlfriend ( XXXX XXXX XXXX ) sent me {$670.00} via XXXX from her XXXX account on XX/XX/29 at XXXX XXXX. I had recently switched my cell phone provider and unbeknownst to me that disconnected my bank account from my XXXX account. It had me sign in and then attach it to my Wells Fargo account ( XXXX XXXX XXXX ). Once attached the money disappeared from the transfer list. I didn't receive any money, but it was taken from her account. We called XXXX, they said it's Wells Fargo, we called Wells Fargo and they said it's chase. We called XXXX and were hung up on every time, finally got someone through twitter and they said they have nothing to do with anything. 

All I know is we are out {$670.00} and no one will help us.