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

In Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
- XXXX XXXX  XXXX. 
- XXXX XXXX XXXX  XXXX.- XXXX  XXXX XXXX XXXX 
XXXX XXXX  XXXX. 
- XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX Account names has violated my right. 
15 U.S.C 1681 section 602 A. States I have 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 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

THE CAR A XXXX XXXX XXXX SHOWS : 1. A LATE PAYMENT FOR XXXX XXXX BUT WAS PAID OFF BY XXXX XXXX AND I PURCHASED ANOTHER CAR. 

2. MY CREDIT REPORT DOES NOT ACCURATELY REFLECT THE AGE OF CREDIT. 
I PURCHASED THIS VEHICLE IN XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I submitted a request to Equifax to send me the method in which they claimed to verify several debts that Ive disputed with them. I included the company along with the information they are reporting via their respective reports on XXXX/XXXX/2023 they sent me a letter stating I need to give the account information which Ive alosent. At this point they are stalling.
Product: Credit reporting or other personal consumer reports

Military star/aafes has not provided proof of 5day reinsertion notice or addressed my past XXXX disputes just a generic email to send my concerns to XXXX You removed the account and reinserted without giving me notice can you explain that to me not If you used your investigative tools to determine the account is accurate why did you remove it and reinserted it without giving me notice within 5 days.
Product: Credit card or prepaid card

I called Citibank to ask that my Citi Double Cash card be upgraded from a XXXX XXXX to a XXXX XXXX  XXXX. I saw online this is possible and my credit limit qualifies, as it is above $ 10k. The customer service representative told me that it is possible for other accounts but not mine. I feel this is discrimination and wrong. I should have the same right to have a XXXX XXXX XXXX as everyone else :
Product: Credit reporting or other personal consumer reports

I Contacted the company directly for the information pertaining to my 2 loans from : XXXX XXXX XXXXXXXX XXXX XXXXXXXX The company has Closed with explanation : Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX No XXXX : XXXX XXXX XXXX. : XXXX XXXX Account XXXX. : XXXX Dear XXXX XXXX : Thank you for your correspondence concerning your student loan account with the U.S. Department of Education, Federal Student Aid. We reviewed your concerns submitted to the Consumer Financial Protection Bureau ( CFPB ) portal under the Case Number noted above. Our records indicate that in XXXX XXXX, you received two Federal Direct Student Loans in the total amount of {$5500.00} to attend XXXXXXXX XXXX XXXX XXXX. Interest was capitalized, increasing the principal balance. On XX/XX/XXXX, the loans were declared in default, and XXXX ( originally XXXX XXXX ), the Departments student loan servicer, later assigned the account to the Departments Default Resolution Group. The loans entered our database on XX/XX/XXXX. At the time of assignment, the balance was certified to be {$5800.00} in unpaid principal and {$290.00} in accrued interest. No payments have been credited since this account was assigned to the Departments Default Resolution Group. 

This Response from the Us department of educations explains that no payments has ever been made and this account and is in fact in default status. Yet The credit bureaus continues to illegally report false information about the payments on these accounts.
Product: Checking or savings account

XX/XX/13 account closed, stated would receive check within 7-10 days funds are frozen and unable to pay my bills. 
Was unable to schedule a prior day credit card payment to a Chase card and was assessed late fees and charged interest ( which they claimed would be reversed ) Approx {$160000.00} frozen in Chase Sapphire checking account
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a pressing issue regarding fraudulent items on my account. It has come to my notice that unauthorized transactions and charges have been made, jeopardizing the security and integrity of my financial information. 

As a victim of fraud, I am deeply concerned about the impact of these unauthorized activities on my financial well-being. I demand swift and decisive action to rectify this situation and protect my account from further harm. 

I insist that these fraudulent items be promptly removed from my account without delay. It is imperative that your company takes immediate action to investigate these unauthorized transactions and address the issue to prevent any further damage to my financial security. 

Furthermore, I request transparent communication throughout the process of resolving this issue, including regular updates on the progress of the investigation and the steps being taken to address the fraudulent activity. 

In addition to the removal of these fraudulent items, I expect to be compensated for any financial losses or damages incurred as a result of this fraudulent activity, as well as for the inconvenience and stress caused by having to deal with this situation. 

I urge you to prioritize this matter and provide a swift resolution to ensure the protection of my account and restore my confidence in your company 's ability to safeguard its customers ' interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Credit Score : XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally file a complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the Department of Education 's databases. On or around XXXX XXXX2025, I became aware that individuals associated with XXXX XXXX, who are neither school officials nor authorized representatives, accessed databases that include my personal education records without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or subject to audit. I did not provide any authorization for such access, and I believe this constitutes a violation of myFERPA rights. To my understanding, the Department of Education is required to safeguard students ' personal records and only grant access to authorized parties under FERPA guidelines.The unauthorized access by private individuals or corporate representatives is a serious breach of these protections. I respectfully request that your office investigate this matter and take appropriate action to ensure my personal information remains protected. Please provide me with any relevant findings, corrective actions, and steps I can take to prevent further unauthorized access to my records. 




students sue Education Department, allege DOGE is accessing private data : https : XXXX XXXX  team 's access to student loan systems raises alarm over borrowers ' personalinformation : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX DOB is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the Equifax Data Breach. The following are fraudulent hard inquiries that I do not recognize and are not factual and should not remain on my credit report. 

XXXX - XX/XX/024
Product: Credit card or prepaid card

My old credit card was lost/stolen and the balances from that were moved to a new card number. As a result of that transfer, my rewards points ( {$47.00} accrued till that point ) should have been transferred over to the new credit card as well. The PenFed system charged me interest even though I was on AutoPay. That interest issue was resolved, however, the rewards issue has still not been resolved despite multiple calls and even an assurance provided to me by PenFed after a prior CFPB complaint. I even called and described this in a very long and elaborately detailed call with PenFed less than 2 weeks ago and I was informed that a ticket was being opened to address the issue and they now knew what was wrong. Today, I called and there was no clue about the issue on PenFed 's end. I am not sure what is going on.
Product: Credit reporting or other personal consumer reports

Date opened : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Original Balance : {$720.00} To Whom It XXXX Concern, Self/XXXX  XXXX XXXX XXXX XXXX PACES XXXX XXXX XXXX, GA XXXX ) is reporting inaccurate information to my consumer report causing detriment to my character and my ability to obtain credit. 
Self/XXXX  XXXX has XXXX XXXX late payment to my consumer report on the date of XX/XX/XXXX. According to the FCRA ( XXXX XXXX XXXX ( a ) - Exclusions ), reporting late payments on a consumer report is prohibited as to late payments are experiences between the consumer ( Myself ) and the person making the report ( Self/XXXX  XXXX XXXX and are EXCLUDED from the consumer report. In addition, you have also violated my rights under 15 USC 6802 which states that a financial institution may not disclose non-public information to a non-affiliated third party unless I have been notified, given an opportunity to opt-out of that information being shared, and given an explanation on how to exercise that option. I was never notified prior to the reporting of such information ( To Credit Reporting Agencies ) nor was I given an option to opt-out of such information which results in violation of several federal right. I advise that you update the late payments on my consumer report as paid on time, notify the credit reporting agencies to also update the account as paid on time. Failure to comply with this demand within 10 calander days of receipt of this complaint will result in litigation for law violations and damages your actions caused!
Product: Credit card

I had a dispute for XXXX and they will not give me my money back. I had repairs done on a vehicle and the vehicle was not repaired correctly. I could not reach the merchant due to them being sick. He also was XXXX and spoke very little English and was not aware on how to send a credit once i was able to reach them, after the dispute was already submitted. The merchant did not dispute the charge and did not respond to the banks request for additional info. Instead of giving me my money back like all other banks do, they asked for a third party letter from another mechanic showing what should have been done on car and was n't done. I then got the letter from another mechanic and sent to them. they then said we need a receipt from merchant and then provided that, now they are saying that I have no case cause it took more than 120 days to get all info in. Which makes no sense since they would ask for additional info after every letter I sent, and have not sent a letter from a third party mechanic and a receipt and they still have denied my claim. so now im out the car and my XXXX, the car was not operable after all these repairs that totaled over XXXX all together, which the other charges were all refunded from other banks I used, but citibank is the only one that will not give me my XXXX back ... please help
Product: Debt collection

Upon reviewing my latest credit report, I identified multiple accounts that appear to be inaccurate and were added without my authorization.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud.
Product: Student loan

Navient consistently tells me that I do not have forbearance options when I am trying to defer my loan payments due to being financially impacted during XXXX these past two years. They are charging me interst during this difficult. Their practices are unfair I want the money accruing taken off because I know that is what the government has arranged during this pandemic. I am an XXXX XXXX during XXXX. Their practices are shady and this honestly has been going on since before covid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Lastly, these accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need it update at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hunter warfield inc in XXXX, Florida is Violate in my consumer rights Reporting information to the credit bureau without my authorizadid not inform me that they was going to do this did not give me an opt out paperwork I did not even agree with this company or have a contract with this company under any circumstances I wrote them for them to provide Information that I have agreement with them And showing me wet signature that I agreed with any kind of contract they have I do not notice people but right now they're putting this information on my credit report which is causing damage to me and my family and stopping me from getting loans And moving into any apartments to provide a roof over my family head which they're giving dyseptic information and false information which is XXXX in my character I asked them to remove it as well because I do not have a contract with them And I did not give the previous owner any rights to give anyone my information and by law they're supposed to contact me and give me a chance to opt out which they never did I do not know these people And a report on my credit inaccurate information and they have stole my identity because I did not give them my social security number under any circumstances
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and remove them immediately 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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I tried to retrieve my Transunion report online from XXXX  and I could not. It gave me an error message saying I could only receive it by mail. On XX/XX/XXXX I called in to Transunion and requested my report and I have not yet received it. It's been well over XXXX  days and I should have received my report by now. I also asked why I wasn't able to receive my report online and I was told because they have a block on it from a identity theft. I ask that they remove the block and the representative stated a person from that department would reach out to me. No one has reached out.
Product: Student loan

I have been trying to lower my payments, or put my loans in forbareance for months, and every time I call customer service they tell me to find the paperwork online. When i go online, the website tells me to call customer service. I 've been on the rin around for months, and I 'm at the point where i dont evenw ant to pay them back. It 's so frustrating.
Product: Credit reporting or other personal consumer reports

I need your assistance with this incorrect account listed on my credit report. This issue is harming my reputation, and I require your support. I am asking for your help because this is unfair on my part
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts showing on my consumer report that are inaccurate. The first is XXXX XXXX. There are three repo 's listed on there and multiple dates in between the repo 's that show the status as OK. I have contacted the company multiple times giving them the option to correct the account and they have done nothing besides threaten me illegally and claim it is validated-which it clearly has not been. A quick search of the XXXX shows that it was sold last at an auction in XX/XX/2018 by XXXX XXXX, but it shows the last repo as occurring on XX/XX/2018. This is clearly a mistake and one of MANY on this inaccurate account. The next are charge offs. According to the IRS when a debt is cancelled for more than {$600.00} it counts as income for the consumer but there are four cancelled debts still showing on my consumer report : XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I have filed this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the company, Experian credit reporting agency , block information appearing on my consumer credit report that is not associated with my credit file. Name of Credit File : XXXX XXXX ( Name ID # XXXX ), Social Security Number : XXXX, Date of Birth : XX/XX/year>. The information populating on my credit file is an result of identity theft and fraud and should be investigated within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a incorrect names, addresses, credit card accounts, and auto loans opened and merged into my credit file that are attached in the FTC identity theft affadavit report # XXXX which shows the variations of names for, XXXX XXXX XXXX ( Name ID # XXXX ), XXXX XXXX XXXX ( Name ID # XXXX ), XXXX XXXX XXXX ( Name ID # XXXX ), XXXX XXXX ( Name ID # XXXX ) and XXXX XXXX XXXX ( Name ID # XXXX ) that needs to be updated, corrected, blocked and/ or from my credit file immediately which this FTC report is also proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/year> Consumer SSN:XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XXXX XX/XX/2021, I clicked advertisement on citibank official website, opened a Citi XXXX account package.The ads says Earn {$1500.00} bonus with minimum deposit $ XXXX. 

On XXXX XX/XX/2021, I deposited XXXX USD into saving account and kept money in the account until now ( XXXX XX/XX/2021 ). 

On XXXX XX/XX/2021, Citi chat repesetative told me I will be qualified for the bonus, bonus will show up in XXXX statement. 

On XXXX XX/XX/2021, two Citi XXXX  call center agents told me I will not be able to qualify for the bonus, since they can not find promo code with my original application. 

My request is, Citi give me {$1500.00} sign up bonus. 

Appendix A : The chat history with citi repesentive, it proves I know the promotion on XX/XX/XXXX, also, XX/XX/XXXX, Citi confirmed I will get bous. 

Appendix B : When clicking the Ads to create new account, there is no way to enter or verify promo code by customer, the promo code is associated by Citi system, So, in case of missing promo code, it should be Citi 's system error, instead of Customer missing an action.