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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$10000.00}, {$780.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOANS -- 1. DPT ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. DPT ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to XXXX XXXX a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Debt collection

On XXXX XX/XX/2023, I received a debt collection letter in the amount of {$41.00} from Consumer Collection Management , InXXXX, regarding a XXXX XXXX account for a bill from XXXX XXXX XXXX XXXX. I became aware of the bill on XXXX XX/XX/2023 and paid it within 30 days. The bill for {$41.00} was paid directly to XXXX XXXX thru their online payment platform on XXXX XX/XX/2023. XXXX XXXX acted careless when they failed to update my account status to show the bill was paid. Consumer Collection Management , Inc. is attempting to collect a debt for a hospital bill that was already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 30 days and the creditors have not provided updated information nor has provided proof of documentation of listed debts. They have not supplied any validations, written or signed consent from myself, XXXX XXXX, description of proof of investigations, or proof of accuracies. Under federal law, they had 30 days to complete the investigations. By failing to do so, the items MUST be deleted from my credit report AS SOON AS POSSIBLE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My original loan servicing was for {$7200.00} vut the total due now is {$44000.00} - my loan was taken in XXXX  & i only completed two semesters before I was forced to leave due to unfortunate circumstances outside of my control about six months. After that I started getting bills and one loan was for like XXXX something a month the other one was for XXXX something a month, which was unattainable to me then still is now the payments have gone higher, even after trying to do an idr so for my entire adult life, even though I only can completed half a year of schooling, my credit has been destroyed and now Im unable to get housing. Im unable to get a car or car loan in my employment is at severe jeopardy, because of both of these issues. 
I have tried putting myself into the plan that the student loan servicing offers, which would bring your loans current and work out a payment plan with you, but they said Im not eligible
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$28.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) 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: Money transfer, virtual currency, or money service

I tried to log into my  Coinbase accou nt to check the balance while I was on vacation in  XXXX . They locked my account and have n't restored access and it 's now bee n 2  weeks.     I have contacted the company repeatedly and received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting a Bankruptcy that do not belong to me. If not removed i will be filing a civil suit against Lexis Nexis if not removed immediately. Under the FTC and Fair Credit Reporting Act, Lexis Nexis is Violating this law by reporting incaccurate information. Im unable to qualify for Credit because of this. I feel under privileged because of this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments Below are the accounts in question : XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 

Please provide me with a written response acknowledging the receipt of this dispute letter and informing me of the actions you will take to rectify the inaccuracies on my credit report. I also request a free copy of my updated credit report once the corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX05B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello customer financial government, Company Sofi money, at date XXXX XXXX time as XXXX XXXX clock XXXX send me email and sms, too frozen/restricted my Sofi money checking account, without provide any reason or alert, I trying contact Sofi money team by email too, they said don't have anything information about it too, said the Sofi security team don't do this too need contact to phone number security team XXXX unable reach them phone., I leave 5 time voicemail record for back to nobody back too call many time on time security team have work, reply automatically record women, '' say all lines are busy leave record voicemail or trying call later '', the security team no work 24/7 for customers too on time work hide too unable to reach for reslove problem, the Sofi money team no work together with security team for reslove problem for customer as service need be in few minutes, I already have frozen account 72 hour without reason, too i also trying contact with in email senior team Sofi, name XXXX, XXXX, XXXX, no one reply back, on Sofi money contact email with agents XXXX, XXXX by chat application agents with XXXX, XXXX, XXXX, all those reply without able resolve problem with security team for my unfrozen account, they only said filling complain to CEO Sofi too all time said contact to security team phone, without unable reach them. It's treat are abuse too scary customers too new customers, too hurt to customers for nothing, frozen account leave customer without own money using too no one help, it's very big damage to customers sofi and damage Sofi company, customer no need scared hold money in Sofi, customer need have confidence and trust product. 
Thanks,
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX  XXXX XXXX XXXX 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 a personal credit card accounts and loan accounts opened at XXXX XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and auto loan account opened at Navy Federal Credit Union on XX/XX/XXXX under the account number ( XXXX ), and collections account opened at XXXX XXXX XXXX on XXXX XXXXunder the account number ( XXXX ) with a balance of $ ( XXXX ) and XXXX XXXX XXXX under the account number ( XXXX ) with a balance of $ ( XXXX ) that appears related to the aforementioned personal loan account opened at XXXX XXXX and XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( XXXX ) 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.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX, XXXX and XXXX XXXX  XXXX XXXX block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).
Product: Credit reporting or other personal consumer reports

n 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. I told the XXXX, XXXX, and Equifax to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. states i have a 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 instruction. 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 REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE
Product: Credit reporting

EXPERIANXXXX XXXXACCOUNT SHOWING COLLECTION/ CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by both XXXX and Experian Credit Bureaus that the Unites States Bankruptcy Court Verified a Discharged Bankruptcy on my Credit Report when I disputed Information contained within. I in turn wrote and asked the United States Bankruptcy Courts to please explain their Verification Procedure and I was given a Letter that they, the United States Bankruptcy Courts " Do Not Verify '' Discharged Bankruptcies with any Credit Reporting Agency, Businesses, or and Data-mining Collection Agencies.
Product: Student loan

On XX/XX/2023 I submitted an application studentaid.gov for the SAVE loan consolidation & also for an IDR plan. Both have been in processing since. The financial loan servicer is EdFinancial and when I call their customer service, I get different answers each time. Some cant find any evidence of my loan others say I have to wait XXXX business days, which is now long past. I can get no traction on this from studentaid.gov because they sent the loan to the servicer & I cant get any traction from Edfinancial as no one there has or can give me an answer as to when my application will be accepted & done. It seems like there is no one anywhere that knows whats going on with my application. This is all very frustrating to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX accounts are not reporting the same with all three credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows XXXX XXXX as paid for less than the full amount Whereas XXXX shows this same account as charged off. TRANSUNION shows the same account as payment after charge off collection. 

***XXXX shows XXXX as no more than 4 months past due. Whereas, XXXX shows legally paid in full for less than full amount. TRANSUNION shows the same account as 90 days past due. 

***XXXX shows commerce bank charged off. Whereas XXXX shows shows lthe same account as egally paid in full for less than full amount. TRANSUNION shows commerce as payment after charge off as collection. 

***XXXX  shows XXXX XXXX as charged off, where as Transunion shows it as charged off as a bad debt.` In addition, 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 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 1681 section 602 A states I have the right to privacy.
Product: Debt collection

The apartment complex is calculating charges that are not owed and does n't match the information on move out inspection sheet. The apartment complex is trying to charge for things that were existing before I moved into the unit. Pictures and documentation prove that the charges are inaccurate and unfair. There was never an itemized breakdown of what is being charged.
Product: Credit card

XXXX transactions made on XX/XX/XXXX, and XX/XX/XXXX, to XXXX XXXX XXXX for the amount of {$1400.00} and {$160.00}. Disputed on XX/XX/XXXX. Received a permanent credit from Chase Card Services. Merchant later on filed in claim at small claim court against me. Would like to have an official response from JP Morgan Chase that : ( 1 ) Is the dispute decided in my favor or in merchant 's favor, ( 2 ) was the permanent credit issued because it was resolved in my favor, and ( 3 ) why decided in my favor. Thank You!
Product: Mortgage

Bsi Financial has reported my account as late and no data when the law requires them to report my account as current. They refuse to update the credit report for me and say they are not obligated too.
Product: Credit reporting or other personal consumer reports

It came to my attention, after checking my credit report, there appears a hard inquiry on there through Equifax consumer reporting agency and XXXX XXXX. I disputed this very quickly, and I asked the customer service representative, why is this inquiry on my consumer report? Then I informed the representative, according to the FCRA this is a violation of 15 U.S. Code 1681a. The section concerning the communication of information of common ownership or affiliated by corporate control. According to the regulation, such communication is permissible only if it is clearly and conspicuously disclosed first to the consumer, and if the consumer is given the opportunity to opt-out prior to the communication of such information.
Product: Credit reporting

I recieved my credit report from a car dealership, and it came out with a different name and address. I also went onto my credit karma account and checked if there was anything unusual about it or any loans that I may have not known about, and there was a mortgage loan under the name of XXXX XXXX, with my social and it was on my account. The person was also making on time payments. Please help!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent charges on my account. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Affirm accounts are improperly coded. It is currently coded as XXXX, but it is a BUY NOW, PAY LATER ( BNPL ) account and is not meant to be factored in current scoring models, according to XXXX. 

XXXX XXXX {$400.00} balance has been paid and I have no balance. I have disputed with transunion and XXXX and it is showing I have a balance of {$400.00} causing my credit score to be low. 

XXXX XXXX XXXX balance is incorrect I paid the amount of {$130.00} balance should be {$0.00}
Product: Credit reporting or other personal consumer reports

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 Department of Government Efficiency ( DOGE ). 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 ). 
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.