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

Dear Experian To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 AZ DES CHILD SUPPORT Account Number : 14939350 Delete this account.

2. 15 US-CODE 1692XXXX ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account.
Product: Prepaid card

On XX/XX/XXXX and XX/XX/XXXX, I was charged by Paypal for monthly services with XXXX. Approximately 2 hours after the charge, the service was canceled with XXXX, and the money was was refunded in my Paypal account. 
However, regardless of the refund by XXXX, Paypal tried to charge my savings account 4 times, which resulted in {$70.00} fees charged by the bank. 
I also contacted Paypal`s costumer service, and I was explained that Paypal`s system will continue to attempt to charge my savings account until the money is taken out of my account regardless of the XXXX refunds, because the system is set up this way, and the charges can not be stopped manually. 
An email with this issue was send to open complaint case, with no reply whatsoever from Paypal. 

As a result, my savings account was removed from my Paypal account, I had to pay {$70.00} fees to XXXX XXXX XXXX. 

You can find bellow details of the transactions : Paid with PayPal balance XXXX XXXX, XXXX payments Transaction ID XXXX Seller info XXXX, XXXX. 
XXXX XXXX XXXXXXXXXXXX Invoice ID XXXX Your purchase XXXX, XXXX {$34.00} Purchase total {$34.00} Total {$34.00} Refunded to PayPal balance Transaction ID XXXX Seller info XXXX, XXXX. 
XXXX XXXX XXXXXXXXXXXX Refund details Refund total ( includes tax and shipping ) {$34.00} Fees {$0.00} Total {$34.00} Paid with PayPal balance XXXX XXXX, XXXX payments Transaction ID XXXX Seller info XXXX, XXXX. 
XXXX XXXX XXXXXXXXXXXX XXXX ID XXXX Your purchase XXXX, XXXX {$34.00} Tax {$0.00} Purchase total {$34.00} Total {$34.00} Refunded to PayPal balance Transaction ID XXXX Seller info XXXX, XXXX. 
XXXX XXXX XXXXXXXXXXXX Refund details Refund total ( includes tax and shipping ) {$34.00} Fees {$0.00} Total {$34.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am hoping for the loan forgiveness program that is being offered. I have been in so many deferred and forebearances. I am unable to pay off the loan due to so much interest that has been tacked on to my account through Navient. Through the years I was only making {$20.00} and under during my time as a XXXX XXXX XXXX. I had no choice but to wait her defer or forbearance my loans for many many years. With no other option being offered.

I feel all my loans have accumulated so much that I have never been able to afford the payments they offered, until a few years ago. Now I lost my job, and had to defer it again. They only gave me 5 months to defer the loan.

Please consider me for the the 100 % loan forgiveness being offered. I cant get a loan for anything because my debt to income ratio is so high.

This would afford me to start over and not have this high loan with so much interest.

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

I have sent all proper documentation required by all the credit bureas to remove the fraudulent information from my account. They have removed some of the accounts but not all. The ones that remain are   XXXX   XXXX   opened  XX/XX/XXXX  with a balance of {$1000.00},  XXXX  opened  XX/XX/XXXX  with a balance of {$480.00}, &  (   XXXX  )  XXXX   XXXX   XXXX  accounts   XXXX   opened  XX/XX/XXXX  with a balance of {$40.00} each.
Product: Credit card or prepaid card

I was awarded a {$1000.00} XXXX gift card for buying a backup battery that was an additional {$12000.00}. I did receive the XXXX  gift card in XXXX of XXXX and used approximately {$180.00}. I noticed today that the card expired in XXXX of XXXX. No big deal, I will just call and get a new card. WRONG! I was informed by Sunnova that once the card expires, they are " unable to issue a new card and set the balance to XXXX  '' this was per a representative in the rewards department that I spoke with today. 

This disclosure is not written on the card anywhere and I was not informed of this until I called today ( XX/XX/XXXX ). {$810.00} they are refusing to honor and I dont understand because I held up my end of the contract that awarded me the card. I bought a system ( that has been giving me issues since installing and I am having issues obtaining service that was promised, but that is a different issue all together ). 
That gift card was my benefit in exchange for the additional purchase I made. I dont understand how there is an ability to " set the funds to XXXX  '' after I already followed through with the promotion and utilized the card... 

I have contacted them requesting a check in the amount {$810.00} or a new valid card with the above balance on it. 

I have a card ID number for reference that I can provide so that my card can be identified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact XXXX XXXX XXXX and have not received a response.

My research has shown that there is NO CONTRACT with XXXX XXXX   XXXX. Any contract they may have thought they had was cancelled and written-off. Their comments on the credit report proves that it is a write off. As a result, they NO longer have ANY rights to the debt, including reporting it on my CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Due to XXXX being a XXXX XXXX XXXX and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 USC 1681 c-2 states that a XXXX XXXX XXXX shall block the reporting of any information in the file of a consumer that the identifies as information that resulted from identity theft, no later than 4 business days after receipt of the following : 1. Appropriate proof of identity to the consumer ; 2.The identification of such information by the consumer ; and 3. A statement by the consumer that the information is not information relating to any transaction by the consumer. It is now XX/XX/2022 and XXXX has yet to place a block on all information resulting from identity theft. 15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce and consumer credit in a manner that is fair and equitable to the consumer, with regards to confidentiality, accuracy, relevancy, and proper utilization of such information. If XXXX allows its business partnerships with these organizations to continue to violate my federally protected consumer rights, they will be liable to me for the stress, anxiety, sleeplessness, and any other actual damages caused as a result of the failure.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized hard inquiries on my credit report. Upon reviewing my recent credit file, I identified these unauthorized inquiries : -- -- -TransUnion XXXX -- - XXXX XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX  XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The XXXX and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX Inquiry Date XX/XX/2020 ; 2. XXXX Inquiry Date XX/XX/2020 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes about collection agencies claiming that I owe them money when there is no agreement between me and them to pay any debts. These collections accounts were removed by Experian about three weeks ago, but then Experian put them back on my credit report about two weeks later and, as a direct result, I have been denied two car loans.I do not owe these collection agencies any money and no judgment by any coompetent court having jurisdiction has ever rendered any judgment against me for any closed accounts debts.
Product: Credit card or prepaid card

I was living in XXXX and making ONLY XXXX YEN. I didnt earn or receive American dollars do I was not able to make my payment and They are showing as late payments. It was a financial hardship
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning and have no idea how they got there. When I checked my report as usual, I was shocked to see discrepancies that appeared out of nowhere. Refreshing my browser didnt help, as the unauthorized inquiries remained. This situation is deeply frustrating, and I request that the documents Ive submitted be carefully reviewed so I can finally stop worrying about this.
Product: Debt collection

An Erroneous account reporting on my Credit Report Dear Sir/Madam, I am writing to express my concern regarding a significant data breach that reportedly compromised the personal information of nearly 3 billion individuals, including mine. According to recent reports, the stolen data includes sensitive information such as Social Security numbers, phone numbers, email addresses, and mailing addresses. Given the scale and severity of this breach, it is crucial to address the impact on individuals affected by this incident. In addition to the breach, I have discovered an account entry on my credit report. 

This entry is not only inaccurate, but I have never received a service nor product from company LVNV Funding. This is causing undue harm to my creditworthiness and financial stability. As a direct result of the breach, I am concerned that my personal information may have been used maliciously, leading to this erroneous reporting. 

I am a victim of a Data Breach : My personal information, including Social Security number, email address, and other sensitive data, was compromised in a recent cyberattack. A fictitious account is reporting on my credit from LVNV, I have asked this company to provide information on how my information was received and provide me a contract from their company with my signature and a service or product I have received. 

To no avail have LVNV provided me the requested contract with my signature. For this reason this is my reason for making a compliant with LVNV.I have contacted the credit reporting agencies to dispute the erroneous bankruptcy entry and requested a fraud alert be placed on my credit file. I have also monitored my financial statements for any signs of identity theft or fraudulent activity. Requested Action : I kindly request the FTCs assistance in investigating and they directed me the CFPB. Thank you for your time and assistance. 

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

I recently pulled my free credit report and I noticed unauthorized inquiries on my report which led me to investigate further into these inquiries, someone has applied for 13 accounts. I have contacted the attached list of Creditors and informed them of this unauthorized use of my personal information.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Within the last  six  months, I 've switched my loan service from  XXXX  to  FedLoan Service. T hese were all Federal Student Loans and I applied for the  Public Service Loan Forgiveness Program  ( and I was approved ). After making on time payments, I realized they were not applying the payments to this program ... stating that I did n't qualify but no explanation why. The only reason I switched loan services was so I could qualify for this forgiveness plan as I 'm a 20+ year employee of a qualifying place of employment. Please help?
Product: Debt collection

Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with F.H. Cann & Associates , Inc. dated XX/XX/2024, regarding the Alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I believe this company is sharing information to people with the intention of collecting debt. I had someone who I believe is somewhat affiliated with this business ( XXXX XXXX formerly of Virginia ) contact my place of business and Participate in harassing activity and intentional fraud. I believe they have done this several times over as well as having this updated beyond seven years, at this time theres a settlement in place and which Im paying on however I believe that this is retaliation to a former complaint that was filed against portfolio recovery. 

I believe they have done this for over seven or eight years and I believe that they are accessing bank accounts and checking balances and expenditures based on the information they receive from companies to collect debt. It is racketeering at the minimum. It is human trafficking for them to profit while placeing people in the disadvantaged position. I dont know circumstances to anyone from portfolio recovery or any debt collection agency be ever allowed to conduct business with anyone with access to the holder of an account under the supervision.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX Money Market Account was fraudulently opened in my name on XX/XX/2016. It was not funded and was subsequently closed on XX/XX/2016. Please see the attached letter from XXXX indicating that the account was opened as a result of a fraudulent application. I am requesting that Early Warning Services ( EWS ) removed this account from my report. It should also be noted that the email address and phone number listed on the EWS report never belonged to me. ( please reference CFPB Complaint ID XXXX )
Product: Debt collection

I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.
Product: Credit reporting 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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 Any other adverse item of information, other than records of 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. XXXX really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. Please DELETE these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I filed complaint with chase XX/XX/2022 charges reversed while investigating filed police report XX/XX/2022. 2 weeks later chase reversed charges stating I took money. I asked for further proof they told me burden of proof is on me .I have been treated like garbage from chase no one cares they are sorry but I am out XXXX XXXX XXXX XXXX XXXX XXXX  I can not afford to lose this money I need your help!!!!!!!!!! this is criminal how they are treating me. my friend who is a XXXX detective has told me people are stealing info at arms and duplicating and stealing money I know I am not alone!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I figured out in my credit report inquiries that I have never authorized nd account that I do not know. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never given any permission to any company to do something like this. I do not know this account as well, this item is not mine. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.
Product: Checking or savings account

I reported 2 fraud charges on XX/XX/19 for XXXX XXXX and I've received no credit as of XX/XX/19. They shut off 2 debit cards and left me without. I spoke with XXXX, supv who refused to give me her ID. I n ed ver received temp or perm credit. I got email saying I got letter but received no letter. It is taking 3 calls and an hour to place ridiculous.
Product: Credit card or prepaid card

I am submitting copies of the statement from credit card your site is frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I sent a dispute letter to XXXX access/XXXX requesting validation of an alleged account placed on my credit report. As of XX/XX/2022, the creditor did not provide validation of the account, nor did they mark the account disputed. In accordance with the FCRA and FCDPA, creditors are obligated to provide accurate documetation of validation of the account upon request from the consumer and they must update the account status to disputed. As of XX/XX/2022,XXXX access/XXXX  has done neither. This actions of noncompliance with federal law are in violation of my consumer rights ; which can incur a fine of up to {$1000.00} per infraction.