23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have contacted XXXX and Bloomingdales on several occasions sent them polices reports identity theft reports and a notarized statement and they still telling me they can not accept that. I did not open these accounts and I do not know what else to do
Product: Credit reporting, credit repair services, or other personal consumer reports

By law this company is reporting information to credit bureaus that is not allowed by permission. Law statue 15 U.S. Code 1681a 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Money transfer, virtual currency, or money service

Sent money through Zelle that was not supposed to go to that person with no refund
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, Consumer and natural person am a victim of Identity theft. XXXX, Transunion and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, Transunion and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, Transunion and XXXX are in direct violation of the FCRA and Gamm Leach Bliliey Act of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX XXXX XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # A XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were opened by my ex wife. I have requested anything from all the listed creditors with my signature on them and they have not been able to provide them because they dont have any. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Urgent FERPA Violation Dispute Unauthorized Access & Deletion of Student Loan Data Dear advantage, I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX XXXX XXXX " Musk and XXXX : Did Doge Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records.

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures.

# # # I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur. 

I expect a written response within XXXX days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies. 

Please contact me at XXXX or XXXX with updates. I trust that you will handle this matter with the urgency it demands. 

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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to Transunion, XXXX and XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Product: Debt collection

I had a Gentlemen. 
Knock on my door from XXXX XXXX.And we discussed about going Sola.I had told him that I am on XXXX since XXXX due XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was a credit based approval. We were told that I would receive a credit of {$10000.00} for going solar when I did XXXX taxes and that was not true. We would be paying XXXX which it was starting XXXX of XXXX. In XXXX they increased our payment to {$230.00} in XXXX, XXXX and XXXX of XXXX. That's is not what was agreed upon. They broke the contract. We had tried to reach out to Sunnova Bank and question why are they increasing they had no answer. I am on limited income. Now the contract in now Envoyed and it's a breech of contract.
Product: Bank account or service

About 6 months ago, I opened my first Citi Bank checking account. I opened this account due to a promotional offer, which after completing a few requirements promised to award me XXXX XXXX XXXX miles. I completed the requirements, including the minimums of two consecutive months of bill pays and {$1000.00} of debit transactions. Additionally, I spoke directly with a Citi representative regarding my account, and the representative confirmed that I was indeed eligible for the promotion and that I had also completed all requirements to receive the bonus miles. I have waited 4 months for the miles to post, and have still not received them. Citi has not been able to give me an estimated time of resolution for this matter either. I am quite unhappy with the way I have been treated, and would expect for the miles to be awarded as I have completed my end of the promotional offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

The portfolio recovery company reported to XXXX on XX/XX/year> that I have a debt of loan type Factoring company account for {$530.00} that is not mine. I am a victim of identity theft thanks to a leak from XXXX earlier this year including and old address where I have not lived in more than 20 years. The creditor was XXXX Bank which authorized a loan on XX/XX/year> that does not belong to me. I have perfect clean credit, but due to the portfolio recovery showing this on my credit report until XXXX I need to make sure this is corrected from my credit report and completely removed. 
I am not responsible for this debt, and I hope this can be fixed as expeditiously as possible.
Product: Credit card

Dear, My name is XXXX XXXX XXXX, I had XXXX USD master credit card transaction with the XXXX on XXXX/XXXX/2016, which is an unlicensed binary option brokers. 
XXXX XXXX who is from XXXX contacted to trade for XXXX. I lost everything. 
So, I had opened the dispute for the charge back from the XXXXCredit XXXX ( Capitalone ) against the XXXX. 
The reason is that merchant is failed to performance service described according to master card charge back code XXXX. 
I provided all of XXXX Chat Script and the script are showed how I lost my money. But XXXX said the chat script can not be used the evidence, and they closed my dispute. 
I would like to reopen the dispute and get the money back from the XXXX XXXX.
Product: Mortgage

You don't have a category for the mortgage company Fifth Third Bank failing to pay me. I received a check from my insurance company for hurricane repairs that I sent by overnight at a cost of approx {$30.00} to the company to coendorse. No check was returned to me. Per a Fifth Third Loss Draft Supervisor 's instructions I had the insurance company cancel the check and resend. He refused to refund me the expediting fee I paid. He told me I should have it cancelled and get a new one then sent me, and if I wanted I could include a prepaid overnight envelope. I did all of that, which means paying another approximately {$60.00} in expediting fees. I overnighted the second check XX/XX/XXXX and included an envelope to overnight the coendorsed check back to me. As of XX/XX/XXXX mail delivery the company has not overnighted the coendorsed check back to me. XXXX confirmed that they received it on XX/XX/XXXX. I have already paid the XXXX to start the work, which commenced XXXX. They work is done today and the XXXX needs to be paid. I opened a complaint with Fifth Third and they put the complaint on check one which was not the one I put the complaint on. The person they put on the investigation is on vacation until XX/XX/XXXX. On XX/XX/XXXX I called the number to talk to someone in her absence at the office of the president. That person, XXXX, was unhelpful and didn't seem to even be listening to the details. She transferred me to the loss draft department and didn't even stay on the phone to learn what they had to say about the check, indicating that she is not actually investigating this. XXXX at the Loss Draft Department could not tell me when the check was mailed exactly or when it will be received. She did say that they used my postage. ( Note check # XXXX has never been received anywhere and all I have to go on that they mailed it is their word, which seems unreliable. I suspect that they never even mailed that first check at all. It didn't show up late. It has showed up never. )
Product: Credit reporting

I have written all XXXX major credit bureau 's at least 3 times each trying to clear up my credit score. Since their responses are so similarly obfuscating and unresponsive, I believe that they illegally work together! Please investigate them for illegal collusion! 

My credit history used to be excellent until XXXX loans I took out on condominiums in XXXX, XXXX were defaulted upon. I did sign for these loans, HOWEVER, I was scammed out of ownership of these properties. I do not own them. 
They are owned by my former accountant, XXXX XXXX and his wife, XXXX. That information can be easily checked. ( They were supposed to have been owned by an LLC that we owned equally, along with XXXX other condominiums in the same complex, however that was either not done or illegally undone. ) I diligently tried to work with the XXXX banks originally involved ( XXXX, XXXX and XXXX XXXX ) to buy the loans from them or to cooperate with a repossession. The banks recurrently failed to follow through on our ( mine and an attorney ) discussions. 
There were also title issues ( the XXXX condo 's were in XXXX different XXXX buildings for which the legal addresses and the street addresses of the XXXX were mixed. ( " We '' owned all the properties so it should not have been a bug issue! ) I also tried to help resolve this issue and hired an attorney. He too could not get the banks to cooperate. 

The Mandelblatts have, recently, resolved XXXX of the XXXX loan issues. I am not involved. 
XXXX XXXX informs me that he is willing to resolve the last loan, but the bank is refusing to work with him, but is trying to resolve the property tile issue. 

I would like my good credit score restored. The credit bureau 's seem unwilling to understand or accept my plight. I pay MY bills. 

I pay the mortgage on my home ( which they bizarrely claim I dispute along with the XXXX loans! ) I pay all my other bills on time. I simply refuse to pay for mortgages on properties I do not own. 

I refuse to accept that my credit score should be impacted by this when the holders of the mortgage debt refused to work with me to resolve the problem and could have been made whole. ; the properties have sufficient equity to fully reimburse the creditors. They just refuse to cooperate and/or act. 

I have lost over {$250000.00} and the banks are not at risk of losing a penny if they work with me or use their legal authority. I should not have my credit history and ratings destroyed because I was scammed and the banks either are ( XXXX of the XXXX ) or can be fully reimbursed. 

Please help me get through to the credit bureaus who are jointly deaf. I want my good credit ratings restored. 


XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Temporary address ( expected until XX/XX/XXXX ) during my remodel : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that XXXX and TransUnion still indicate my dispute of information in my credit report. As of todays date, they have not responded to my dispute. According to the Fair Credit Reporting Act, XXXX and TransUnion must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 


XXXX XXXX XXXX XXXX Balance : {$420000.00}
Product: Debt collection

I would like to bring to your attention that XXXX has already removed the disputed account from my credit report as they were unable to verify the debt. I request that your bureau also remove the same account from my credit report as it is causing me undue stress and XXXX. The questionable account is : XXXX  XXXX XXXX XXXX. Despite my repeated attempts to resolve this issue directly with the creditor and through your bureau, I have faced nothing but obstacles and delays. It is unacceptable that there is not enough proof to show that this debt is valid, and I demand that it be removed from my report immediately.
Product: Credit reporting or other personal consumer reports

When I saw false accounts on my credit report tonight, I was shocked and completely confused. I check my report often, and this has never happened before. I thought maybe my browser wasnt loading properly and refreshed it, but the mistakes didnt go away. I feel so frustrated that these errors exist, and Im urging that the documents I sent are reviewed carefully, so I never have to deal with this again.
Product: Credit reporting or other personal consumer reports

I have mailed in multiple disputes in regards to the inaccuracies on my account. 
You all continue to to reply the information has been verified but that is not possible because there is different information for each bureau and it's not correct! There's no possible way it could be which means you are in violation of USC623 in investigating and ensuring the information reporting is accurate. 

The most recent letters being sent XX/XX/XXXX & XX/XX/XXXX For the XXXX bank account the open date is showing incorrectly as well as the date of last activity as well as the date of last payment. 

This is a concern for me because the last activity date impacts not only my score but the statute of limitations and the amount of time this account is allowed to report to my credit.
Product: Debt collection

Account # XXXX XXXX XXXX XX/XX/year> To whom it may concern I saw your company furnishing a negative account on my consumer report. I am requesting the assignment contract for validation of this alleged debt pursuant to 15 U.S. Code 1692 ( g ).

Provide me with the following information.

The amount of debt.

The original assignment contract Proof that your company sent me a statement assuming the debt to be valid with proof of tracking. 

I was never notified with the following statement to dispute this debt within 30 days so the 30 days is starting now.
Product: Debt collection

I have tried to contact Pro Collect ( the collection agency XXXX multiple times trying to dispute the charges and every time I get shut down and/or hung up on. The most recent point of contact with them was yesterday around XXXX EST. I have also submitted two separate XXXX  dispute forms on their website trying to dispute the charges that are trying to be collected. I used to live at an apartment complex called XXXX XXXX  XXXX  in XXXX Florida back in XXXX- the summer of 2019. I was being threatened with my life by the residents that lived underneath me because I witnessed the boyfriend XXXX his girlfriend and called the cops on him. Him and his buddy left a bullet at my doorstep facing upward and I got the cops involved and ( stupidly ) gave the bullet to XXXX the manager at XXXX XXXX. I also found mold up in the ceiling vent of the bathroom and all they did to fix it was ( without my permission ) had a XXXX XXXX with track marks come into my apartment without me being there and he put some duck tape over it. it ended up falling out of the ceiling when I went to go get in the shower one day. I went to the manager at the time named XXXX and she advised me explicitly that my lease would be terminated immediately and I wouldnt owe any additional charges past the rent that I had already paid for that month. Unfortunately I should have gotten that in writing as I have lost the email sent back and forth between us over 2 years ago. Then about 7 months later after Im already living in another apartment complex I get a call from a random collection agency called " Pro Collect '' stating that I owe them just shy of {$700.00}. I was charged for a full months rent due to the fact that I terminating my lease early even though I was explicitly told by the property manager at the leasing office that that wasnt going to happen. I contacted shore house apartments multiple times and was told " XXXX is out unfortunately you'll have to call back tomorrow '' and then eventually they just started telling me " XXXX is on XXXX leave for the rest of the year. '' Then I waited for about 5-6 months and tried contacting them Again and was told " We will have someone from our finance department reach out to you ''. That never happened. I really don't know what else to do and I really need to get this off of my credit report please help me it's been years since it has hit my report.