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

I am dissatisfied with XXXX response to my complaint for the following reasons : XXXX XXXX into XXXX XXXX : XXXX dismissed my concern about unauthorized data compromise without providing evidence of internal reviews, security audits, or confirmation that my information remained protected. Their blanket denial lacks credibility without transparency. 

Failure to Address Contract Nullification : My complaint argued that a breach of confidentiality voids the loan agreement. XXXX ignored this, instead redirecting to unrelated discharge programs. Their contractual obligations as an XXXX servicer include safeguarding databreaching this duty should have legal consequences. 

Misleading Legal Interpretation : While FERPA and the Privacy Act may not explicitly authorize loan discharge, they mandate accountability for mishandling data. Edfinancials role as a federal contractor does not absolve them of liability for breaches that harm borrowers. 

Requested Actions : XXXX XXXX to disclose specifics of their data security measures and any investigations into potential breaches affecting my account. 

Collaborate with the Department of Education to determine if XXXX actions ( or inaction ) violated their contractual data protection duties. 

Escalate this complaint to the FSA Ombudsman with a focus on the privacy breachs impact on the validity of my loan servicing.

Privacy breaches erode trust in federal loan programs. I urge the CFPB to ensure servicers like XXXX are held to the highest standards of accountability. 

COMPLAINT ID XXXX contains the information of my first complaint. 

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

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited and received my investigation and notice everything was still the same. The consumer reporting agencies which is Transunion, XXXX, and XXXX did not remove the inaccurate account. 

The date of last activity is not correct, the date reported is not correct, the date opened is not correct, the account status is not correct, and the date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attached a copy of the account on my credit reports that is inaccurate to show how Transunion, XXXX, and XXXX are violating my rights.
Product: Debt collection

I pulled my credit report and saw that a company was trying to collect on a debt that does not belong to me. I contacted the company several times and nobody got back to me.
Product: Student loan

Court order from Sweet v. Cardona that all loans be discharged under court settlement. Edfinicial has yet to comply with court order even though they have sent me documents showing they received verification from Dept of Education the approval to do so. But on XX/XX/ it shows that all loans were paid in full as few days later added the loans back under pretext that as consolidated loans which i did not authorize. This has affect my credit score from not able to buy a home or even invest in my future
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the company to tell them the account is not mine and submitted a ftc report. This is not mine
Product: Credit card

I have been fighting the irresponsible behavior of citi cards for last five months. After I complained about it three months back, citi deposited XXXX Thank You points in my account which I had asked in my complaint with CFPB. Then all of a sudden, citi reversed XXXX points without my permission. Now, the XXXX points have also gone. I am seriously concerned about the IT system citi has in place. These kind of irresponsible behavior has caused tax payers billions of dollars in past to rescue citi bank in the past. But, it seems citi does n't realize it and keeps on doing mistake after mistake and makes customer suffer. I would suggest CFPB to take strongest possible action against citi bank till the IT system is fixed and is certified by an independent firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three accounts below have a wrong balance. 


1. XXXX  XXXX XXXX XXXX {$120.00} {$300.00} 41 % Revolving Current XX/XX/2017 2. XXXX XXXX   XXXX {$140.00} {$200.00} 72 % Revolving Current XX/XX/2017 3. XXXX XXXX XXXX XXXX XXXX {$190.00} {$200.00} 100 % Revolving Current XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a resident of an XXXX owned property for alleged monies owed in regard to a rental apartment. I was sued by XXXX XXXX these monies in XXXX XXXX XXXX and on XXXX XXXX, XXXX a Stipulation and Order for Payment with Judgment to Be Entered Upon Default was entered into between myself and XXXX XXXX. This matter was never turned over to a collection agency nor was any attempt to collect these monies ever made prior to the filing of this litigation. XXXX PROPERTIES ( a separate and unrelated entity from XXXX XXXX XXXX is incorrectly reporting this matter on my credit. According to the lawsuit filed, I do not owe money to XXXX PROPERTIES. In addition, this matter is being reported as a revolving collection account which is more than 180 days delinquent. The payments made on this account have been made in compliance with the XXXX 's XXXX attached hereto and have NEVER been late or delinquent, nor have I defaulted on any such payment. Neither XXXX XXXX or XXXX PROPERTIES have corrected this information. I have also disputed this matter with all three credit bureaus who have also failed to correct this information. I do not owe monies to XXXX PROPERTIES. This account was NEVER past due, delinquent or defaulted upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts on the fact that they do not belong to me, maybe it's a mistake on the credit reporting agencies part, or it's due to fraud since my identity has been compromised months and months ago. The following accounts I'm demanding to be blocked from my credit report are, # 1 XXXX XXXX {$3300.00}, # 2 XXXX XXXX {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 
XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX  XXXX Balance Owed : {$870.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$410.00} XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX  XXXX Balance Owed : {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXXXXXX XXXX XXXXXX/XX/2023. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the fraudulent activities, not later than 4 business days after the date of receipt.
Product: Checking or savings account

My account has multiple fraudulent XXXX transactions I reached out to chime and informed them of my issue along with informing them that XXXX is a XXXX XXXX that requires you to be XXXX years old and Im only XXXX XXXX XXXX and was only XXXX XXXX XXXX when the fraudulent transactions action where made so theres no way for me to make transactions on app I Cant even make or use apon me telling chime all this my dispute was still denied which makes no sense to me I will provide my id showing my age, a screen shot of the denied dispute and also XXXX guidelines stating you have to be XXXX years old
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and the last XXXX digits of my Social Security number are XXXX. I have already contacted the credit bureau to inform them that some of the accounts listed are not mine and that others are inaccurately reported. I provided my correct home address, which is XXXX XXXX XXXX XXXX, XXXX, IL XXXX, and requested that they update their records accordingly. 
Additionally, they continue to report a XXXX  XXXX bankruptcy that I have asked to be removed. I also requested a letter of verification to confirm that these debts belong to me and that the reporting is accurate, but I have not yet received a response. 

In according with the fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Names are below : Remove the following address please they are not mine : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Please remove the following accounts : Remove 30, 90 day late payment : Account XXXX Remove 30, 90 day late payment : Account XXXX Remove 30, 90 day late payment : Account XXXX Remove this is not my account : Account XXXX Remove 30, 90 day late payment : Account XXXX Remove this account its reporting 30, 90 day late payment not my account : Account XXXX Remove this account its reporting 30, 90 day late payment not my account : XXXX Remove this account. No other credit bureau is reporting this, this is not mine. Account XXXX This is not my account please remove account : XXXX I looked at my credit report on XX/XX/year> and noticed something s are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( E ) ( B ) And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) general if after any reinvestigation under paragraph one of any information disputed.
Product: Consumer Loan

We had a {$39.00} credit from a credit card company ( Citi Bank ) that was allegedly refunded by check on XX/XX/2017 that never reached us. 
We have called numerous times, talking to numerous agents and supervisors ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

Hello, I was applying for a HELOC with M & T Bank. I repeatedly asked for details of the loan and was not told of the interest rate or even given a copy of the loan documents until the notary came to my house with a copy. I was supposed to read over 100 pages at signing? 
Complete scam. Loan originator stated there are couple hundred dollars in fees and all of as sudden there was over XXXX in closing costs. I ended up not signing the documents. I gave them all my financial information, they came to my house and did an appraisal which i requested a copy and they did not provide. I repeatedly asked for the loan documents through out the process so i can review them and they said i was not able to obtain a copy, yet the notary had one? 
I asked for a copy of the appraisal and made a request and was never given that either. They even made me change my insurance to cover them.
Product: Debt collection

I am writing to lodge a formal complaint regarding an entry on my credit report linked to an account originally held with XXXX XXXX XXXX. 

Account Details : Original Creditor : XXXX XXXX XXXX Current Creditor : Credence Resource Management Balance : {$1600.00} Account Number : XXXX XXXX XXXX XXXX has written off this debt and subsequently sold it to Credence Resource Management, resulting in a financial benefit for both parties. Despite this, the entry remains on my credit reports, inaccurately portraying my financial status and causing undue hardship. 

My decision to leave XXXX XXXX XXXX was influenced by their negative practices, including the Data Throttling Settlement of XXXX, where the FTC mandated XXXX XXXX XXXX to pay a substantial sum to resolve allegations of deceiving customers about their unlimited data plans by reducing data speeds after a certain usage threshold was reached. 

I expect Credence Resource Management to rectify this situation by removing this entry from my credit reports. Failure to address this issue will leave me no choice but to escalate the matter as per my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts Below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX Acct Service # XXXX Account Name : XXXX # XXXXXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

I had an automatic Bill pay monthly to pay for the car payment. I received an email from my bank that the payment was made. I checked my credit report one month later and it showed 30 days late payment reported to the credit bureau. I checked the payment history with ally financial inc and found out that the payment was reversed by my bank and I never had the opportunity to know about it to correct it. I immediately brought my account current and I asked Ally Financial inc to remove this negative item from my credit report bcz it was not intentional from my part and it 's the bank who reversed it without my knowledge, they refused.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXXXXXX XXXX XXXX Balance {$790.00} Open Date XX/XX/XXXX Inquiries XXXX XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX
Product: Student loan

On XX/XX/XXXX of 2020 I signed up for a program to consolidate and pay off my student loans through a provider called XXXX XXXX ( https : //docuservice.us/ ). Since becoming a part of the program I have made the following payment to the program : XX/XX/2020 - {$170.00} XX/XX/2020 - {$170.00} XX/XX/2020 - {$170.00} XXXX {$170.00} XXXX {$170.00} I have attempted to contact the provider on several occasions to make sure that my payments were going to my loans. After hearing nothing from XXXX XXXX, I contacted FedLoan who stated that this provider was not recognized.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Mortgage

I recently attempted to apply for a Mortgage refinance with NFCU. When applying NFCU had a screen out process without allowing me to actually apply for a mortgage refinance. 


I was screen out of a mortgage refinance without ever having applied nor be given a fair opportunity to apply. I feel this is discriminatory.
Product: Credit card

I have a Chase card that was opened in my name that I did not apply for. The account was opened on XXXX/XXXX/16 with a {$500.00} limit. I have never received this card nor any correspondence from Chase regarding this card. To my knowledge, this card has never been used. When I called Chase directly I sat on hold for a very lengthy period of time because I did n't know my account number ( I was never issued a card! ) only to be told there was nothing they could do to help me because I did indeed open the card. I asked to speak with a supervisor to explain that my social security number has been misused more times than I can count and the only response that I got from the supervisor was that all I could do was close the account. That is not acceptable to me. I did n't request the card, I did n't open the account, and I want it taken off my credit report immediately.
Product: Credit reporting or other personal consumer reports

My information has been in several data breaches and I have had XXXX inquires on my account that I have no clue what they are. I also have put alerts on my account and still no one has taken any actions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX ) on XX/XX/2024 sent me a letter stating that they had " determined that some of my personal information had been compromised. '' They went on to state that they are offering me one year of complimentary credit monitoring to be provided by Experian XXXX. They advised me to enroll, and gave me the activation code XXXX. But Experian refused the application with the comment " INVALID ACTIVATION CODE ''. XXXX TIMES. 

IN ORDER TO ATTEMPT TO ENROLL, I HAD TO SUBMIT MY DATA AND SOCIAL SECURUTY NUMBER. NOW I GET NUMEROUS SOLICITATIONS FROM EXPERIAN OFFERING TO SELL ME PAID PROGRAMS TO PROTECT MY SECURITY. THEY EVEN STATE THAT THE FREEZE I PLACED ON MY ACCOUNT IS INFERIOR TO ONE THEY OFFER FOR A FEE. BUT AFTER NUMEROUS ATTEMPTS, I HAVE STILL NOT BEEN ABLE TO ACTIVATE THE IDENTITY WORKS PROGRAM OFFERED BY XXXX XXXX XXXX. 

I HAVE ALSO BEEN ADVISED BY XXXXXXXX XXXX THAT MY DATA HAS BEEN LISTED ON THE " DARK WEB ''. 

I DON'T KNOW WHY XXXX XXXX XXXX  EVEN HAD MY INFORMATION BECAUSE IT HAD BEEN OVER A YEAR SINCE I HAD A PHONE LINE WITH THEM. 

NOW EXPERIAN IS SCAMMING ME DIRECTLY WITH MESSAGES AND E-MAILS OFFERING PROGRAMS FOR A FEE THAT ARE, BY LAW, FREE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

EXPERIAN BUSINESS CRED Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit bureaus Contact Information XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX BYMAILONLY EXPERIAN BUSINESS CRED Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit bureaus Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX BYMAILONLY all inquires are ftc violations that need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor refuses to delete seriously incorrect and very outdated data to the three credit reporting agencies.