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

THIS COMPLAINT IS FOR THE ( CREDIT BUREAU IS VIOLANTING MY RIGHT ) FOR XXXXXXXX XXXX XXXX I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating & quot ; They do not report any bankruptcies to anybody. & quot ; So if that & # 39 ; s the case. Per the FCRA 623 ( a ) ( 5 ) : & quot ; If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file & quot ; and based in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyone & # 39 ; s credit report.

Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

They also violated my rights numerous times.

DELETE Bankruptcy Account Number : [ 21-21193 LMI ] FOR VIOLATION TO THE FCRA 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld.

15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record.

15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record.

Violation of the Truth in Lending Act ( TILA ) : * UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Title 15, Chapter 41 - Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.
Product: Checking or savings account

Someone in XXXX XXXXXXXX XXXX  tried to open a chime account in my name using my SS #. They had at least the last four digits of my social security number and my email. They had my full name also. I closed the account bc I received an email that the debit card was on its way. Below is the address they had the card shipped to. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management XXXX : Customer Service Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Cease and Desist Demand Dear Midland Credit Management, I am writing to formally request that you immediately cease and desist from all communication and collection activities related to the alleged debt associated with my account. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and any other applicable federal or state laws. 

Cease and Desist Request : I hereby demand that you : a. Cease all forms of communication with me, including phone calls, letters, and emails, concerning the alleged debt. 

b. Cease any further collection activities related to this account. 

c. Provide written confirmation within XXXX  days that you have complied with this request. 

Consequences of XXXX : Please be advised that if you fail to comply with this cease and desist request, I will consider taking appropriate legal action to protect my rights. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seeking legal remedies available under the FDCPA. 

No XXXX of Rights : This letter does not constitute a waiver of any of my rights, claims, or defenses, all of which are expressly reserved. 

I trust that you will handle this matter promptly and in accordance with the law.
Product: Credit reporting or other personal consumer reports

I am filing this report to document the unauthorized use of my personal information and identity, which has resulted in accounts being accessed, created, or reported to credit reporting agencies without my knowledge or consent. These activities violate my rights under federal laws, including the XXXX XXXX ( 15 U.S.C. 6802 ) and the Fair Credit Reporting Act

( 15 U.S.C. 1681b ). Upon reviewing my credit report, I discovered multiple accounts that I
did not authorize, or permit to be reported. These accounts are fraudulent and represent misuse of my personal information. 
Incident Details 1. XXXX XXXX XXXX Account Type : Factoring Company Account Original Creditor XXXX XXXX Amount Due : {$690.00} Status : Placed for Collection Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Type : Factoring Companys Account Original Creditor : XXXX XXXX XXXX XXXX 
Amount Due : {$630.00} Status : Placed for Collection Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Type : Collection Agency/Attorney Original Creditor XXXX XXXX XXXX High Balance : {$260.00} Amount Due : {$2300.00} Status : Placed for Collection Date Closed : XX/XX/XXXX Estimated Removal Date : XXXX/XXXX Nature of the Fraud These accounts were not authorized by me. I did not provide my consent for my personal information to be accessed, shared, or reported to any credit bureaus or third parties. 

The unauthorized reporting of these accounts constitutes identity theft and illegal use of my personal information, as prohibited under : 1. 15 U.S.C. 6802 ( XXXX XXXX ) Unauthorized sharing of personal information without explicit consent. 
2. 15 U.S.C. 1681b ( Fair Credit Reporting Act ) Lack of permissible purpose to access or report my data.

3. 15 U.S.C. 1681e ( b ) ( FCRA ) Requirement to ensure accuracy and verification of reported data.

Impact of Fraud The unauthorized accounts have : Negatively impacted my credit report and credit score. 
Resulted in financial harm and reputational risk. 

these accounts have damaged my creditworthiness and caused undue stress.and stoping me from becoming homeowner Action Requested I am requesting that this report officially document the unauthorized use of my identity and personal information. This report will be submitted to : Credit reporting agencies ( TransUnion, XXXX, and XXXX ) as evidence to remove these fraudulent accounts. 
Relevant federal agencies such as the FTC and CFPB, if necessary.
Product: Student loan

Today I logged into XXXX and downloaded all of my student loan information and found that my loan servicers are claiming I owe {$96000.00}. The max amount that I can owe in student loan debt doesnt exceed {$25000.00} before interest. Also, immediately after I withdrew from college I consolidated my student loan debt and applied for the income based repayment plan. However, I couldnt figure out why ( for years ) my credit reports keep showing that I am in default and several months behind in paying off my student loans. After reviewing my student loan file I found that either the college or the loan lenders have been falsifying my information and showing that I am still enrolled in college. I am showing student loan disbursements up to XXXX. However, as I stated, I withdrew from college in XXXX. Therefore, either the lenders or the college is taking money out in my name and leaving me to foot the bill. This issue is of a very serious nature and needs to be investigated. My credit has been ruined for years and I have been suffering undue hardship for reasons that are unethical and unjustifiable. I am homeless and have no car and I am struggling everyday because my credit has been destroyed. I need assistance regarding how to pursue this issue and what steps I need to take to seek relief from these damages
Product: Credit reporting or other personal consumer reports

First letter sent on XX/XX/2023 USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX disputing multiple inaccuracies and incomplete information on account XXXX. XXXX XXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number # XXXX Another letter sent on XX/XX/2023 USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX regarding the same inaccuracies and incomplete inaccuracies discounted in my previous letter with no re-investigation done on these accounts. I would like these accounts deleted for failure to do an investigations or re-investigation under the FCRA
Product: Credit card

On XX/XX/2024, my wife, myself and our XXXX young kids arrived in XXXX XXXX Florida after 10 hours of travel to find a problem with the XXXX XXXX we had planned to stay at. We were scrambling to find other accommodations and called a company named XXXX, thinking it was the XXXX. They represented themselves as the XXXX, told me there was only one room left at the XXXX XXXX up the street and then explained there was a " local tax '' on top of the nightly rate. 

After pushing back and not getting a good answer, I booked the room explaining I would talk to the front desk workers the next day, but made clear that I planned to dispute the extra fee. Were it not for the pressure of there being " one room left, '' and fearing that our family vacation would be ruined I would not have done so. 

The next day we arrived at the XXXX who told me there were plenty of rooms available, that it was not the XXXX I was speaking with and that there was no such local tax which amounted to roughly {$2500.00} of the {$9000.00} charge to book the hotel. 

I immediately called American Express and explained the situation. They informed me that I should be able to retrieve the {$9000.00} through their dispute process since XXXX lied to me in multiple ways. Then, they told me to rebook a new reservation directly through the hotel which I did for XXXX. 

We disputed the charge and several weeks later, XXXX refused to refund the money. Looking up their reviews on the XXXX this is their business model and everyone writes the same scam in the review. 

American Express recharged my card for the {$9000.00}. I have called them no less than 8 times regarding this matter and 2 months later have not gotten a resolution. XXXX is now keeping the {$9000.00} and refusing the release it to the XXXX since I was technically a no-show under their reservation. This is a direct result of American Express telling me I should book the reservation directly through the front desk since I would get that money back. 

On a call with American Express last week, the representative admitted that the previous representatives gave me bad advice and I should have never made a new booking. On my last call with American Express last night, a supervisor told me that XXXX would never release these funds and they know that, so I am unsure as to why the initial representative I spoke to told me to make a new booking for almost XXXX XXXX dollars and why they are dragging me through this process for two months. American Express 's negligence is only surpassed by XXXX XXXX  predatory and unethical business practices. I am stuck having paid for two vacations. I would like my XXXX to be returned immediately and if there is truly no way to provide protection to a consumer like myself who tries to do the right thing, I would like American Express to refund the XXXX that I only agreed to pay on their advice. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report Number XXXX Investigation # 01 Dispute Complaints and Results XX/XX/2020 : Filed Dispute with Experian Credit Bureau for XXXX/Department of Education and XXXX XXXX XXXX/In writing through the dispute center. 

XX/XX/2020 : Results- Account Remains the Same XX/XX/2020 : Filed Dispute with Experian Credit Bureau for XXXXt/Department of Education and XXXX XXXX BY PHONE through the dispute center. 

XX/XX/2020 : Results- Account Remains the Same XX/XX/2020 : Uploaded supporting documents from XXXX  /The Department of Education and XXXX XXXX websites to support my claims with most recent balances reflected on the first page. 

XX/XX/2020 : Results sent by email from Experian : XXXX XXXX XXXX XXXX .... 
Remains " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

Spoke with XXXX, a Supervisor at XXXX XXXX on XX/XX/2020 who suggested they responded to Experian with updated information to reflect the current balance. It was suggested she will mail a dispute form to me which will take up to 30 days to resolve. 

XXXX/Department of Education suggested they will do their own dispute if the report is not fixed after sending supporting documents. However, it has been updated correctly for XXXX/Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act THESE Accounts have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX *15 USC 1681 Section 602a states I have the right to privacy.

*15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not Furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am writing this email to inform you regarding a wire transfer fraud on XX/XX/XXXX for a total amount of {$62000.00} through my Citibank account. 

To briefly inform you about how I noticed this fraud, I was living in my dorm and I found out when I came back to my room after going out to a nearby marketplace to buy some water when my debit card did not work and fortunately I had cash in hand. I opened my Citi app then found out there was a negative balance around XXXX XXXXXXXX on my checking account and {$0.00} on my savings account. I tried to call the citi priority, but my phone had no signal and nothing worked including my data and SMS. I used my roommates phone to call them around XXXX or XXXX ET and this was when I first reported the fraud. 

I also visited the Citibank XXXX in the XXXX branch the next day with my tutor to help me communicate with the XXXX bankers at that time. I told them what happened and we ended up finding XXXX unauthorized wire transfers through XXXX for a total amount of {$62000.00}. I also informed them that I did not receive any text messages or email for me to click on. The bankers at the XXXX branch told me that they will file a claim to the fraud department and they should reach out to me with their response within XXXX days maximum. 

The first letter I received was on XX/XX/XXXX saying that the fraud claim was denied after their investigation and the reason was that I did not take adequate steps to safeguard my account. I revisited the XXXX branch and found out that a partial amount was returned which was {$35000.00}, {$8000.00} and around {$7900.00}. Even with these, I still did not receive the outstanding amount of {$11000.00}. I visited the branch several times more to file the claim. I was really disappointed that the account holder, myself, had to follow up with the progress and not the bank or the department. 

I contacted my phone carrier at that time, XXXX  and they did not find any suspicious actions on my account. However, I visited another Citibank branch ( XXXX XXXX XXXX XXXX  NY XXXX ) and they insisted that it might have been a XXXXswap. I looked it up : a XXXX hijacker convinces your mobile carrier to port your phone number over to their XXXXXXXX XXXX  By transferring those incoming messages, fraudsters can easily access your most sensitive accounts by completing text-based two-factor authentication checks. 

It has been over XXXX  years since the fraud. I am fully acknowledged that the deposit accounts are insured up to {$250000.00} per depositor, for each account ownership category according to the FDIC insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a moment to review my complaint. I received a report from XXXX XXXX reference to my credit score this past week which showed a severe plunge on my credit score.. Transunion reflected a drop of ( 30 points ) from XXXX to XXXX  and XXXX reflected a dorp of ( 13 points ) from XXXX  to XXXX. This is totally unacceptable!!!! The credit bureau agencies reported that it was due to a XXXX credit card which ends in XXXX, that allegedly dropped the limits from {$300000.00} to {$30000.00}, so it negatively showed higher utilization which in fact is erroneous. My credit limit for this XXXX  credit card ending in XXXX, has been at {$30000.00} for over a year or even longer.. I truly don't understand how all of a sudden, there is such a drastic and significant drop in credit score considering that nothing has changed not even my credit limit or utilization, etc.. My score has always been very high. As you can see, I take pride in how I've always paid and handled my credit, therefore, I ask that you please assist me in resolving this issue with all three credit bureau companies,, Transunion, XXXX and XXXX, so that my credit score can be restored back to how it always was. Upon review of my complaint, I ask that you please contact me at your earliest convenience. 
My name is XXXX XXXX XXXX, my phone number XXXX and my email address is XXXX. 
Thank you so much, I remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a alert from XXXX XXXX  that these to account XXXX XXXX XXXXXXXX & also XXXX XXXX XXXX  was added to my report when I did not give authorization for them to do so nor is the debt mines! And they won't remove it an I would like for these to items be removed asap nor is the debt reporting the same major discrepancy!!
Product: Mortgage

Shellpoint continues to mail my payments back, without processing to show that I've made payments. They are an affiliate of XXXX and are fraudulently trying to take my home.
Product: Credit reporting or other personal consumer reports

First and foremost per the FCRA as a federally protected consumer i am now opting out any & all authorization i the consumer may have given DEPT OF EDUCATION/NELNET written , unwritten, verbal & non verbal per 15 USC 6802, 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

When I signed up for my student loans I also signed a Educational Rights and Privacy Act form that says the school will NOT provide transaction history to ANY third party companies.

BUT in fact my personal information is being shared to third parties WITHOUT my consent.

The Family Educational Rights and Privacy Act 1974 ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

Generally, schools must have written permission from the parent or eligible student in order to release any information from a XXXX XXXX XXXX XXXX XXXX XXXXERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law.

AS YOU CAN SEE HERE YOU DO NOT SEE WHERE A CONSUMER REPORTING AGENCY LISTED to allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) is left to the discretion of each school.
Product: Credit reporting or other personal consumer reports

On Saturday XXXX XXXX I mailed Experian a change of 22 addresses that is showing on my Consumer File that needs to be removed also when I submitted this report I had to change my old phone number to my current phone number so I need that deleted too and they did nothing to remove the old addresses I have a copy of my Credit Report included they sent to me also the original request to change my address this information they are reporting is incorrect
Product: Money transfer, virtual currency, or money service

I transferred funds to my bank account and was charged {$2.00} for my first time transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX  XXXX  XXXX  XXXX XXXX  : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX  : {$3700.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} NATL XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$900.00}
Product: Credit reporting or other personal consumer reports

There are 2 Inquiries on My Credit Report from JPMCB that I did not do Please Remove these fraudulent inquiries from my report. 

JPMCB Card : Inquiry Dated on XX/XX/2022 JPMCB Card : Inquiry Dated on XX/XX/2022 Chase need to inform XXXX, XXXX, & XXXX that these inquiries are fraudulent. 

My FTC Report & ID is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX LOANS XX/XX/2018 Mortgage Companies They said they would not pull my credit and now its on my credit as an inquire