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

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

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

I requested proof of the alleged late status and I have not yet received any documentation. XXXX never sent documents in the mail, communicating the account status. I am requesting that the file be reviewed for accuracy and updated accordingly. The items reported and disputed were not validated by the credit reporting agencies nor XXXX. The late payments remain on my account with the credit bureaus and they have not been properly verified.
Product: Bank account or service

I opened an account at fifth third bank. I was online messing around with the bill pay feature. I have a small business so this feature would be great for my out of state employees. I set up a check under my business name for XXXX $ and hit send. I tried to cancel and the online said I could n't because it was already in processing. Well I did n't contact anyone because the check was coming to me so I was going to throw it out I knew it would n't get cashed. Next thing I know my account is locked so I called the fraud department explained what happened and they said all I needed to do was go to a bank and the branch manager could unlock it. So the next day the branch I went to made a call and said I needed to contact the branch manager where I opened the account so I did that immediately. She said she would call the fraud department and call me back. After half a day went by I called back and she said there was nothing learned yet. I waited a couple days called and she said sorry there was still no answers for me. I only have {$50.00} in this account so it 's not causing financial issues only a long drawn out headache. How hard is it either close the account and give me back my money or unlock it and do business.
Product: Debt collection

XX/XX/XXXX I requested a {$1200.00} payday advance against my direct deposit from XXXX XXXX XXXX XXXX in XXXX , GA. When my paycheck deposited, it was not enough to cover the amount and I was also facing eviction. The bank took monies that were available at that time, and I was to pay the balance. 
Subsequently, Spring XXXX, I was notified to appear in XXXX County court for the remaining balance, which was aprox {$1200.00} with court cost and filing fees. I was contacted by the XXXX XXXX representative to set up my direct payment arrangement. Shortly after I was contacted and informed that I would receive information regarding my payday loan, as XXXX XXXX was not authorized to perform payday lending in Georgia. 

Until i received a letter ( attached ) on XX/XX/XXXX did I recall this situation, nor received any follow communication since XXXX. It has not been appearing on my credit files, but I've been notified of garnishment notice sent to my employer in the amount of {$1800.00}.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$3700.00} & {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was a victim of multiple XXXX XXXX, after further review I have noticed this account that I have no recollection of obtaining. Please remove the account from my credit report as it is impacting my credit profile negatively.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the information reported in my credit file. After thoroughly reviewing my credit report, I have identified inaccuracies that I believe are a result of negligence and non-compliance with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o regarding civil liability for negligence. 

Disputed Information : XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX The items in question have been reported inaccurately, and despite my best efforts to resolve this matter through previous communication with your agency, the necessary corrections have not been made. Under Section 1681o of the FCRA, I am entitled to request a proper investigation and correction of inaccurate information. Moreover, I believe that your failure to fulfill your obligations under the FCRA constitutes negligence, which exposes your organization to civil liability for any damages resulting from the errors in my report. 

According to FCRA Section 1681o, any person who negligently fails to comply with any requirement of the Act can be held liable for actual damages, and I am requesting the following : Immediate investigation and correction of the disputed items. 
A written explanation of the actions you have taken to resolve this issue. 
Compensation for any damages incurred due to this negligent reporting, should the inaccuracies not be resolved in a timely manner. 
I expect that you will take the necessary steps to investigate this dispute and correct any errors in accordance with the FCRA. Please provide me with a written response to this matter within XXXX days from the date of this letter. 

If you fail to resolve this issue within the prescribed time or continue to report inaccurate information, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies under FCRA Section 1681o. 

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

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

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you XXXX  have any type of block on it thank you.
Product: Student loan

Fedloan performed a processing error ( regarding submission of my income for determining payment amount ) in XX/XX/XXXXand I have been working to get it resolved since that time. After numerous calls to Fedloan without resolution of the issue, I submitted a complaint to the CFPB on XX/XX/XXXX. I received a response from FedLoan on XX/XX/XXXX which acknowledged their error and reported a reversal of the interest capitalization would be reflected on my account within 60 days. Now 87 days have passed ( including 60 business days ) and there has been no reversal of the interest capitalization on my account. I called Fedloan and they are unable to tell me when the interest capitalization will be reversed.
Product: Credit reporting or other personal consumer reports

Hello, I've gone through my credit report recently and noticed there are a lot of fraudulent inquiries on it... I've reached out to all the credit unions to get them removed but they won't help. 

So I've reached out to all the companies and they've never called back, I'm really trying to fix my credit and these are really tanking it. Please see below for the final list : XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Here is the only one that isn't fraudulent : XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

XX/XX/2024 between XXXX - XXXX I was depositing a XXXX into ATM machine to deposit into checking account. It counted and rejected my cashes. The window opens for me to take my cash back and flatten it or straightened it out. I put it back inside. The window does not close. I waited for a bit. I pressed to go back and the window immediately closed with my cash inside. I went to take out {$20.00} out of my checking account to get a XXXX back along with {$20.00}. It again said error and can't give out cash. I request to deposit into checking account so I can get cash back from window. It's all gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to pull my credit report on XXXX XXXX XXXX and on XXXX XXXX it gives me someone eles email linked to my personal information, my wallet was stolen and I'm locked out of my own information I have provided my police report in the documents below.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters. 


Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX
Product: Debt collection

I am filing this complaint regarding the fraudulent reporting of a debt by Transworld System Inc. for an alleged account with XXXX XXXX XXXX I have never entered into any business with XXXX, nor signed a contract authorizing this debt. I strongly suspect that my personal information was compromised during the XXXX data breach, which has led to this unauthorized activity. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, my credit information can only be accessed or reported with a permissible purpose, which is clearly absent in this situation. This unauthorized debt reporting is a direct violation of my rights under the FCRA. Furthermore, under the XXXX XXXX ( XXXX ), financial institutions have a duty to protect consumer data. Given the XXXX data breach, it is clear that this duty was breached, resulting in misuse of my personal information. 

Transworld System Inc. is also in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, as they are fraudulently misrepresenting a debt I do not owe. This is not only a violation of federal law but is also fraudulent activity, for which I demand immediate correction. 

Additionally, under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, I have the right to dispute unauthorized and inaccurate billing practices. No legitimate business transaction, contract, or agreement exists between me, XXXX XXXX , or Transworld System Inc. , making this collection unlawful and fraudulent. 

I am demanding that the CFPB immediately investigate this matter and force the removal of this fraudulent collection from my credit report. This is an egregious violation of my rights as a consumer, resulting from inadequate data protection during the XXXX breach. The companies involved must be held accountable, and this fraudulent activity must be stopped to protect me and other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via XXXX to the address indicated on the XXXX  credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
Product: Credit reporting or other personal consumer reports

I have sent a letter to credit reporting agencies such as XXXX, Trans Union, and XXXX to remove unauthorized inquiries from my credit report. They have never responded about my request.
Product: Credit reporting or other personal consumer reports

I am writing to formally report TransUnion for failing to properly address fraudulent information on my credit report. I am a victim of identity theft resulting from the XXXX and XXXX data breaches, which compromised my personal information. Under 15 USC 1681c-2 ( a ) ( 2 ), I have the right to request the blocking of inaccurate or fraudulent information on my report, yet TransUnion has not taken the necessary actions to resolve this matter. I kindly request your assistance in ensuring compliance and the removal of all fraudulent entries from my credit report. 


XXXX XXXX XXXXXXXX XXXX- {$1100.00}
Product: Student loan

When I started school I was as not fully informed of my loans. It was not explained to me through XXXX. I received my XXXX in XXXX and now owe over {$67000.00} that when I signed up for school was under the assumption that I would owe {$30000.00}, Not twice that and most of it is interest. Lasr year I signed up for an income based repayment plan and I have {$0.00} payment a month from that. I will not pay what I do n't feel I owe because I was cheated out of being fully informed. I have tried to get an audit from the department of education, filed a police statement for being stolen from by XXXX. I have tried to call the school numerous times and have not had a solid answer. I would not mind paying my {$30000.00} for my loans but I will not be cheated out of another {$30000.00} for a degree I can not even use in my state that I was also not aware of.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent item on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 


I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of this fraudulent item is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Item : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove this fraud item or collection account in my credit file : XXXX XXXX XXXX Balance : {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX Balance : {$25000.00} Medical XXXX Balance : {$120.00} If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 a fraudulent inquiry from. XXXX XXXX  XXXX  was made to my Transunion report. Attaching relevant identity theft police report. Transunion has instructed me to contact each fraudulent inquiry individually.
Product: Student loan

I filed my annual Public Service Loan Forgiveness certification. Despite the period for certification being XX/XX/XXXX through XX/XX/XXXX and payments being on autopay but for the CARES act period, my fedloan only has certified 9 qualifying payments when it should show at least 12 qualifying payments. Their letter does not even mention the CARES act.
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint regarding the attempts to remove fraudulent items from my credit file.

I promptly contacted your company 's customer service department to report the issue. While the representatives were initially helpful, the subsequent attempts to rectify the situation have been unsatisfactory. Despite multiple assurances that the fraudulent items would be removed promptly, they still remain unresolved.

This situation has not only caused me significant inconvenience but has also raised concerns about the security and integrity of your company 's systems and processes. As a loyal customer, I expect prompt and efficient resolution of such matters.

Therefore, I request the following actions to be taken : A thorough investigation into how these fraudulent items were allowed to occur and persist.

Compensation for any financial losses or damages incurred as a result of this issue.

Assurance of enhanced security measures to prevent similar occurrences in the future. 
I trust that you will address this matter with the urgency and seriousness it deserves. Failure to do so may compel me to explore other avenues for resolution, including legal action and reporting to relevant authorities. With this, I am asking for your assistance to remove these fraud items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card or prepaid card

I applied for an extension of credit with Chase for the XXXX XXXX XXXX, I received an adverse action letter stating that I was denied because my XXXX Credit Report. The CFPB states that credit reporting is optional, title 15 USC 1602 Definitions and rules of construction subsection ( f ) ( " credit '' ) the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Subsection ( g ) ( " creditor '' ) refers ONLY to a person ( 1 ) who both regularly extends etc. Subsection ( e ) ( 'person ' ) means a natural person or organization.

With that being said as the natural person & creditor I can not be denied my right to my unlimited credit. 15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent Equifax a method of verification letter for explanation of what information they obtained to verify accounts on my credit report. However they failed to respond to my request