23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My fiancee and I live in the XXXX, CO XXXX area. We have struggled to work through several layoffs and I have supported us both for the last 7 years combined. On top of this, the housing market here has exploded thanks to the legalization XXXX. Rent doubled almost overnight forcing us to give up our apartment and rent a small basement from a private home owner and put most of our things in an expensive storage unit. 
Several years ago, I entered into a rehabilitation program with Texas Guaranteed to make payments for 9 months at which time responsibility would return to XXXX. Texas Guaranteed would not work with me on the payment amount which led us to move to another suburb that had cheaper apartments so I could pay them and pay all of our bills. After barely meeting TG 's requirements for the 9 monthly payments, XXXX took over again. I made payments for about another year at which time my Fiancee went through her second layoff. I applied for a forbearance/financial hardship and was denied. This is only based on your GROSS income! I have been supporting XXXX people in an area with a skyrocketing cost of living increase and they denied me. I contacted XXXX to speak to a human instead of online applications and the only response I got was - apply online for financial hardship/forbearance. 
I could not afford to make payments so my loans moved to default and back to Texas Guaranteed. In addition to this the Department of Education ordered the XXXX Treasury to withhold my Federal Tax Returns. They have withheld thousands of my tax dollars over the last XXXX12 years. 
TG calls me constantly. This time they sent me a letter stating they had added fees to the total I owe for my student loans. When this began, I owed XXXX. Now, TG says I owe XXXX including their substantial fees. That adds up to an increase of 33 % above the total I borrowed!. I also have collection companies trying to cash in on this as well. They are trying to collect on specific loans even though TG is already supposed to be the " XXXX '' of my loans partnered with XXXX. 
After receiving this letter, I have received a new XXXX stating they are going to have my wages garnished. I can not afford this!!! I am still supporting myself and my Fiancee while she searches for work. 
While going over this new letter threatening me with garnishment, it occurred to me that there is some fraud going on here. Texas Guaranteed and XXXX as well as the collection companies are still charging me for my full, original loan amount plus 33 % in fees and interest. 
This begs me to question ... ... ... ... ... .. 
First of all, what happened to all the monthly payments I made to both organizations? 
Second, what happened to the thousands of dollars the US Dept. of Ed and the US Treasury withheld to go toward my loans? 
Third, how can it be legal and ethical for these guarantors to charge fees that make it impossible to ever pay these loans off?
Product: Credit card

15 USC 1681 FTC Report My social security number and likeness was used for fraud and I was my credit report cleared. 

Thanks, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. Fraudulent accounts and inquiries have been added to my credit report without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following items from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} Fraudulent Inquiry : XXXXXXXX XXXX XXXXXX/XX/XXXX
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 USC 1681. 


Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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: Debt collection

I keep getting several calls and texts all hours long for a debt from Harris and Harris that isn't even my debt. They are trying to collect a debt from someone named XXXX XXXX I have called them back numerous times to tell them to stop calling me, as I am not XXXX. They either get an attitude and hang up on me or they apologize and claim they will remove me from their list. After asking them many many times to take me off their list and stop calling me, and they agree to do so, I still keep getting endless calls and texts. I have even texted them back to stop reaching out, as I am not XXXX!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting 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 accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NY XXXX XX/XX/XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$270.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$510.00} ; XXXX  XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus TransUnion, XXXX and XXXX It has been over 70 days and I have still not received any investigation results from any credit bureau. I included a copy of my drivers license and social security card as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.
Product: Credit reporting or other personal consumer reports

Hi, Recently, I did an investigation on my credit report and found several items and inquiries on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report : 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.

15 U.A Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/22 i was applying for a mortgage- since I had to unlock all three credit bureaus for this mortgage application, I decided to submit an application to XXXX XXXX  at the same time. 

I received a letter a few weeks later indicating it was written on XX/XX/22 that XXXX XXXX did NOT approve my credit application at this time because they were advised by " the credit reporting agency '' ( non specific ) that a security / credit freeze was placed on my report. That " unfortunately, due to the freeze on your credit bureau report we were unable to verify your credit history with other credit grantors '' A few weeks later as I was closing on my loan my bank enquired about a HARD ENQUIRY on my XXXX credit file from XXXX XXXX. It is my understanding under FCRA that a locked credit file would not be capable of having a hard enquiry against it unless it were unlocked. 

I have a denial letter from XXXX XXXX  telling me they denied me credit because of a locked credit file, but I also have a hard enquiry from XXXX XXXX  showing that they acceessed my credit- IT CAN NOT BE BOTH WAYS. 

The hard enquiry should be rescinded and removed from my credit file since XXXX says they could not access it - OR - the credit card should have been issued - OR denied for a legitimate reason besides credit lock if they were able to access my XXXX Credit Report as XXXX currently indicates. 

XXXX cites SageStream / XXXX Risk Solutions Consumer XXXX as the agency that provided this report - This complaint would be inclusive of the credit reporting agency that XXXX XXXX  Uses and cites in their letter whom I have never heard of. SageStreamXXXX XXXX indicated at the time I had no credit lock on file with them, XXXX indicates they pulled my credit on XXXX at the time of application ( in which all three known bureaus were unlocked and SageStream / XXXX had XXXX security freeze on file ). 

These bureaus are engaging in reporting false information, possibly due to some time lag in how they actually pull credit and report it which they are unaware of.
Product: Debt collection

And account popped up on my credit report by the name of BULLCITY FINANCIAL SOL as a collection in the amount of {$290.00} per XXXX the agency has " The company that reported the information has certified to XXXX that the information is accurate ''. This account is inaccurate and no information has been provided by BULLCITY FINANCIAL SOL. I have NEVER done business with this company and have no idea who they are. 

I have requested an explanation of this alleged debt such what the balance is for, I requested a complete audit trail calculation of this debt including the complete payment history on this account so I can have proof that the amount is correct. Documentation that shows I agreed to pay this debt with my signature and documentation showing I gave gave permission to have my information. A copy of their state license including license number that gives them permission or right to collect in my state. I also requested the purchase agreement and for them to swear under penalty of perjury during the alleged debt. And CEASE AND DESIST ALL COMMUNICATIONS IMMEDIATELY and this has not been displayed. This is a violation under the FDCPA.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit 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
Product: Checking or savings account

I tried to add funds to my Chime checking account and tapped their instant deposit on their app. I got an error message so gave up. Next day I notice the {$25.00} was taken from my us bank account by chime and being held for over 5 days by chime saying it will be available next week. I did not choose this option nor gave authorization for them to take my funds and hold for this unbelievable length of time. I called and spoke to XXXX people before getting a worthless rude supervisor who refused to do anything at all. Their system made the error and they dont care and will not return my funds to where they stole them from. Worst banking experience and management ever encountered.
Product: Checking or savings account

I was working in XXXX Florida from XX/XX/2023. I traveled from XXXX Airport, through XXXX XXXX Airport , and then to XXXX on XX/XX/2023. 
On XX/XX/2023, I received a text notification from XXXX XXXX that a charge was made to XXXX XXXX XXXX XXXX XXXX Florida for {$2700.00} and another one for {$300.00}. I got on the XXXX app on my phone and saw the fraudulent charges, which I disputed both at that time and requested the credit card locked and to have a new one sent to my home address. I let them know it was not myself or anyone else in my family and that my credit card was in my possession so somehow the scammer had my credit card number. 
I then, from the XXXX App, reset my password and was sent a message through the app that the new password had met their requirements. However, I noticed they misspelled the word and by putting " requirments '', leaving out the " e ''. I contacted XXXX XXXX XXXX XXXX on the phone number on the App, and when the person answered, with very broken English and a lot of noise in the background, and requested my SS #, I hung up. I then looked at the back of my credit card and called that number for the Fraud department. The text I had received earlier about the 2 charges was indeed XXXX, however, the scammer somehow got into the App, and I did report this to XXXX. Also, the following day I received another text, from the exact same number from XXXX that another {$5000.00} had been charged, but when I called XXXX, they stated that wasn't true, but the scammer had gotten their text number. Then on XX/XX/XXXX, I noticed 2 charges on our Health Savings account card for {$610.00} and another for {$120.00}. We notified that company, and they opened a fraud report. Then on XX/XX/2023, I noticed 8 drafts on my checking account that totaled, {$3100.00}. I contacted my bank right away and they canceled my debit card and issued a new one. I went to my bank the next day and disputed each charge. The drafts were to the following on my checking account at Arvest Bank, XXXX XXXX XXXX XXXX {$50.00}, XXXX XXXX {$7.00} and {$14.00} XXXX XXXX {$240.00} XXXX XXXX XXXXXXXX {$44.00}, {$1000.00}, and {$1700.00} XXXX XXXX XXXX {$36.00} With all the fraudulent charges, I was in possession of my credit card, HSA Medical savings card, and my bank card, so I am not sure how they got into these accounts. 
I was staying and working with a new hotel, and I think someone could have gone into my room and taken pictures of the cards in my purse that was left in the room during my work hours but hidden. I did notify the hotel and they stated they would have the locks read, however, they have not received a response from their lock company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my personal information compromised over a year ago. I have account and address that are not mine showing on my credit report. Please delete the following adresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My XXXX XXXX XXXX The following phone numbers are not mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The following account is not mine as well XXXX XXXX XXXX XXXX # XXXX I never had a XXXX XXXX XXXX   account. please delete ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

tried to send letter to validate account company never responded
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing this complaint regarding repeated violations of the Fair Credit Reporting Act ( FCRA ) by Equifax, XXXX, XXXX. Despite my formal dispute about inaccurate or unverifiable information on my credit report, the credit bureaus claimed the information was verified but failed to provide the required method of verification ( as outlined in Section XXXX, 15 U.S.C. 1681i ). 

This lack of compliance is unacceptable and has caused harm to my financial health. Additionally, my personal information has been leaked in several high-profile data breaches, which makes it even more critical that these credit bureaus fulfill their legal responsibilities to investigate and verify disputed information accurately. 

Specifically : XXXX. I submitted a dispute to the credit reporting agencies requesting verification or correction of inaccurate items on my credit report. 
XXXX. The agencies responded that the information was verified but did not provide any documentation or details explaining how the verification was conducted or the sources used. 
XXXX. This failure to provide a method of verification violates my rights under the FCRA, which entitles me to receive the details of any investigation. 

Furthermore, the exposure of my personal information in data breaches increases the risk of fraudulent activity, making it essential for the credit bureaus to handle disputes with diligence and accuracy. By failing to comply with the FCRA, the credit reporting agencies are compounding the potential harm caused by these breaches and jeopardizing my financial security. 

I believe the credit reporting agencies are engaging in negligent and/or willful noncompliance with federal law, and their actions ( or lack thereof ) have caused me financial harm by : Allowing inaccurate or unverifiable information to remain on my credit report. 
Preventing me from fully correcting errors, which affects my ability to secure fair financial opportunities. 

If these violations persist, I will escalate my complaints to the Federal Trade Commission ( FTC ) and pursue legal action under the FCRA to protect my rights as a consumer. 

I respectfully request that the CFPB take immediate action by investigating this matter and ensuring that these credit bureaus comply with their legal obligations. Specifically, I request that : They provide the method of verification for the disputed items. 
Any unverifiable or inaccurate information is promptly removed from my credit report. 
They address the implications of the data breaches on my credit profile and take steps to ensure accuracy and security moving forward. 

Thank you for your assistance in addressing this serious issue. I look forward to a resolution.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests but still, the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXXXXXX Balance : {$260.00}
Product: Mortgage

My loan administrator, LoanCare NMLS # XXXX, is charging on a One-Time Draft Fee Schedule based upon timeliness of reception of monthly payments. Per the Loan Agreement that I signed upon the closing of my home, I am allotted a 15-day period following the due date to remit payment to the loan holder without penalty. There is no stipulation as to whether the loan holder can charge me fees based on how I remit payment ( whether that be one-time, or auto-drafted ). 

The fee schedule is as follows : On or before due date - No Fee 1-4 days after due date - No Fee 5-9 days after due date - {$5.00} 10-15 days after due date - {$10.00} I was not given an option to agree to this schedule when LoanCare purchased my Mortgage from XXXX XXXX XXXX , XXXX, NMLS # XXXX in Fall of 2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried relentlessly to resolve this matter with XXXX XXXX. However XXXX XXXX is refusing to report the account as settled and as of XX/XX/XXXX reporting the incorrect balance of {$5500.00} when the actual balance is {$1500.00}. This has caused irreparable harm to my credit score and is being done out of retaliation. My credit score in XXXX of XXXX declined XXXX points which caused me to be denied a business loan. I have reached out to XXXX XXXX on numerous occasions with not one response. I need help from CFPB asap. My restaurant was forced to closed due to the covid 19 pandemic in XXXX. 

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

I cant get into any of my credit reports without verifying my identity. My credit score has dropped extremely low I thought, I thought maybe my identity was stolen. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I see a bunch of accounts that do not belong to me