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

Personal Statement Regarding Identity Theft I am writing to report that the following accounts were fraudulently opened in my name without my knowledge or authorization. Upon reviewing my credit reports, I discovered these unauthorized accounts, which I believe are the result of identity theft : XXXX XXXX, Account : XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX, Account : XXXX XXXX  XXXX, Account : XXXXXXXX XXXX XXXX Account : XXXXXXXX XXXX  XXXX, Account : XXXXXXXX XXXX XXXXXXXX, Account : XXXX XXXX XXXX, Account : XXXXXXXX XXXX Account : XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX, Account : XXXX XXXXXXXX XXXX XXXX, Account : XXXXXXXX XXXX XXXX Account : XXXX XXXX, Account : XXXX / XXXXXXXX XXXX XXXX  XXXX Account : XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX I did not authorize any of these accounts, and I am not responsible for them. I am a victim of identity theft and request that these accounts be thoroughly investigated and removed from my credit report as they are fraudulent. 

Additionally, these fraudulent accounts have led to several unauthorized hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of the specific hard inquiries in question, along with a copy of the consumer FICO credit report maintained by you that displays these fraudulent items. I do not recognize the listed accounts, collections, or hard inquiries, and I affirm that none of them were opened, initiated, or authorized by me. They are entirely the result of identity theft and fraud. 

As further evidence, I have attached a copy of the FTC Identity Theft Criminal Complaint ( Case Number : XXXX ) to confirm that the fraudulent accounts, collections, and hard inquiries were filed with the U.S. Federal Trade Commission as identity theft-related.

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the 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 receiving this complaint.

Please advise me on the necessary steps to resolve this issue and correct my credit report accordingly. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

U.S. Department of Education ; I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 


These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Debt collection

I entered a consumer credit transaction with the alledged original creditor and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. A third party IC SYSYEMS are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. IC SYSTEMS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Product: Vehicle loan or lease

I got behind on my car payments due to my job losing money. I was 30 days for a few months until I eventually was able to get my finances in order. I contacted XXXX to let them know I wanted to get my account up to date. I spoke with a rep named XXXX. We agreed that I would make 3 payments in the month of XXXX ( the payments were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) to get my account current and that they would in turn let me skip a payment in XXXX and that my next payment would be in XXXX. I was also informed that they had no evidence that the car had insurance and they were charging my account and that I need to pay for the year they didn't have proof of insurance or provide proof that I did have insurance. I sent documentation that I did have insurance on my car. Mid XXXX, I once again started to receive calls from XXXX. I contacted them to asked what was going on and I was told that my account was past due for XXXX and the amount owed for insurance. I mentioned that I had an agreement in place to skip a payment in XXXX. The rep said that she didn't have that in the system but that they would look into reviewing my account to see if I was eligible for a deferral. This is not the agreement I had with them originally. She offered to have me speak with a XXXX but I said I wanted to speak with the rep that I had originally made the deal with. I followed up by sending additional documentation for proof of insurance which I am continuing to be charged for. Eventually, I decided to contact the XXXX in an attempt to get XXXX to honor the agreement we made back in XXXX. XXXX responded by stating some of the facts above but that I still owed other fees for insurance. I replied that I had sent two different emails to show proof of insurance but that I still wanted them to honor the original agreement. I asked them to bring up the recording of the conversation since they record calls. They have not done so to this date. As of this week, they are reporting my account late, and that I owe them even more than the original amount. They said I had not made a payment in the last 30 days but I have evidence by looking on their website that I have made the payment. Then followed up by reporting to XXXX that I am delinquent and owe them {$11000.00} when their website says my total amount for the loan, which I have for another 2-3 years, is {$10000.00}. I believe they are acting in bad faith and causing me hardship by reporting incorrect information on my credit report which has affected my credit rating. The XXXX account number is XXXX.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX of XXXX on XX/XX/XXXX for the sale price of {$18000.00} I put {$3000.00} for a down payment and financed {$17000.00} through Global Lending Services. This would make my monthly payments roughly {$500.00}, to which I agreed to pay. According to their records I missed my payment for XXXX. I put {$3000.00} down which would have been my payment. They also show that I missed my payment in XXXX, this too is incorrect. COVID-19 hit the US in XXXX and I lost my job, I reached out to them and received a 1 month exception that allowed me to miss the payment and it would be added to the end of my loan. I made the next few payments but then after being out of work for a prolonged period of time I began to struggle financially. When XXXX came I was behind 2 payments, or {$1000.00}. On XXXX XXXX I was t-boned by someone who ran a stop sign. I had my car towed to a body shop to get an estimate on repairs. A few days later the insurance company would take possession of the XXXX and deem it a total loss. While the investigation into the crash was ongoing, I made my XXXX payment as scheduled. After the investigation was concluded Global Lending Services was issued at check for {$14000.00} on XX/XX/XXXX by XXXX XXXX XXXX. Assuming they received the check a few days later in XXXX wouldn't that count as a payment? Also I didn't have the car I shouldn't have to pay for something I don't have, right? GLS continued to hold me responsible for the XXXX until they wrote off the account in XXXX. Because of this my XXXX insurance only paid {$370.00}. I still don't know why the account was closed so quickly without getting the chance to pay it off. I'm not disputing that I owe for those missed payments but they are saying I owe {$3800.00}, which is more than double what I think it should be. I have written them trying to get some explanation and all they did was send me a copy of my payment schedule that shows I missed XXXX and XXXX. But like I said I didn't have the car and they were issued a check for it.
Product: Debt collection

Calls come from this number day and night and even weekends. When I answer, they say I owe a debt but won't tell me the debt before I tell them personal info like my addresses and phone numbers. When I call, I get several rude people who give me the run around or hang up on me. I've asked to NOT BE CALLED. THEY JUST HANG UP IN ME AND START ALL OVER! This company is disgusting and classless. I'm reporting the issue to my lawyer as well for further litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased my home in XXXX. After my divorce, I eventually fell behind. I filed chapter XXXX in XXXX. Then I was furloughed from my job when XXXX hit. When I was again gainfully employed as a XXXX XXXX, I discovered that little other than lawyer fees were being consistantly paid by the trustee. I let my chapter XXXX dismiss in XXXX and signed an agreement with US Bank to rework my mortgage. I have been paying my mortgage in full and on time since then, but the account still shows as inactive, which is affecting my XXXX XXXX. A representative told me that once a bankruptcy has been filed, regardless of what happens afterward, US Bank no longer reports to the bureaus. I will soon be closing on this house and paying it off, and I want that and the last XXXX  months or so of an account in good standing to reflect on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$230.00}, XXXX XXXXXXXX Balance : {$2300.00}
Product: Checking or savings account

On XX/XX/year> an unknow transation was debit to my account for the amount of {$130.00}. I called the financial institution called Moneylion and they cancel my debit card and sent me a new one. Now they sent me an email saying the transaction was corrected and that the credit they initially gave me will be reversed when I never hear of the merchant called XXXX XXXX XXXX and never authorized this transaction. Moneylion is not protecting their consumers as they are allowing fruadulanet activity to take place without giving the protection for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been in communications with ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only date of birth is XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company performed an unauthorized hard inquiry into my credit via XXXX on XX/XX/2022. This was done after I submitted a complaint regarding being unable to access my online account due to ongoing " technical issues ''. As I hold an account with this company, soft inquiry from time to time is expected however a hard inquiry which causes a FICO score drop is entirely not expected, not the norm and unacceptable. I have not authorized any hard inquiries into my credit for two years as I will be applying for a mortgage and do not want the score decrease. Unless this company removes this UNAUTHORIZED INQUIRY, it will remain on my credit for at least 2 years. This inquiry needs to be removed from my report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts listed below from my credit report. I am a victim of a data breach, and these accounts were fraudulently opened or reported without my authorization. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I opened a consumer credit card with Synchrony Bank headquartered in XXXX Utah. For over 2 years there has been no problem then I have had incorrect charges to my account. I've tried repeatedly to call them and I am unable to reach a human being, only automated lines. This type of communication is unable to assist me at all. I have also been able to reach call centers located in the XXXX but these employees are unwilling or unable to assist. I need to reach a HUMAN BEING in the USA to discuss errors with respect to charges on my account.
Product: Credit reporting or other personal consumer reports

I have been attempting to upload my FTC report and supporting documents to Experian.com/upload which is a provided method of uploading by Experian but I continue to get an error messages which does not allow me to upload. 
I am requesting the deletion of personal information such as names as my name is XXXX XXXX XXXX, and this is the way my name is on my New Jersey State License. I only want one variation of my name reporting on my consumer report. Also, there is a spelling that is inaccurate, not mine, and may be identity theft because there are also inquiries that I did not consent to. There are inaccurate non mailable addresses reporting that Must be deleted. 
The account by XXXX. XXXX is fraudulent and must be deleted immediately. I have attached my FTC report, Letter and ID with the inaccurate fraudulent information that must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND MY PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO APPLY FOR ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Hello, I received a copy of my credit report and to my surprise I seen a collection account on my report from Portfolio Recovery for {$460.00}. I have never had an account with this company. I have contacted them serval time to confirm that the account belongs to me. I have asked for documents that has my signature on them and there proof of verification. It's been three months and still I have not heard anything from them.I would like your help with getting this resolved. 

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

Re : Titanium XXXX Titanium is reporting a debt on my credit file that is not owed. I recently had my credit pulled and noticed this debt is still reporting a balance. I had previously disputed this with the company and never received any correspondence back which leads me to believe they did not receive it or they ignored it. This debt was paid off months ago but they haven't changed it and it's really affecting my credit. This is erroneous and needs to be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

i started my letters with SOUTH MISSISSIPPI COLLECTION ON XXXX XXXX asking for the validity of debt about these alleged debts of XXXX, {$150.00} that i don't owe.they never sent me the information that i requested, so i sent another letter on XXXX XXXX asking for more information that i never received.they have violated the 30 days to respond to the consumer and these inaccurate and incomplete items should be deleted ASAP before i turn this matter over to my attorney.XXXX XXXX XXXX sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debts of {$550.00} and XXXX they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, SOUTH MISSISSIPPI COLLECTIONS has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXX.attached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.