23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I 've repeatedly told XXXX XXXX XXXX, XXXX XXXX, XXXX, and now XXXX, that the delinquent student loan document # XXXX is not mine. I did not fill out the loan documents nor did I sign them. This student loan is for XXXX XXXX. I did not attend XXXX. I 've reported to all XXXX credit bureaus that this is not a valid loan and shown proof of signature verified by an XXXX Notary here in XXXX XXXX. Someone created this loan in my name and XXXX will not wish to recognize my argument. I 've repeatedly have been denied credit for home refinancing and purchase because of these false derogatories. IT ISNT RIGHT THAT I SHOULD SUFFER BECAUSE OF XXXX CARELESSNESS IN LOAN PROCESSING! Frustrated, I have on retainer XXXX XXXX Attorney of XXXX XXXX number XXXX. Feel free to contact me at XXXX
Product: Debt collection

To Whom It May Concern at the CFPB and Credit Bureaus, I am writing to formally dispute XXXX fraudulent accounts on my credit report related to identity theft. These accounts, which appear under the names XXXX XXXX and XXXX XXXX XXXX XXXX, were established without my knowledge or consent and do not represent legitimate financial obligations of mine. The fraudulent entries have severely impacted my XXXX XXXX and financial standing, preventing me from obtaining legitimate credit. 

Details of Disputed Accounts : XXXX Credit Acceptance Account ( Charged-Off ) Amount : {$20000.00} Account Type : Charged-Off Account Status : Repossession Reason for Dispute : Fraudulent account due to identity theft XXXX. XXXX XXXX XXXX XXXX Account Amount : {$6600.00} Account Type : Repossession Account Status : Past Due Reason for Dispute : Fraudulent account due to identity theft I am attaching my FTC Identity Theft Report as supporting documentation. As a victim of identity theft, I am protected under several federal laws, and I request that both entries be removed from my credit report : XXXX. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) This law provides the right to dispute inaccurate or incomplete information on credit reports. Since these accounts are fraudulent, they must be removed to maintain the accuracy of my report. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) This law protects consumers from fraudulent debt collection practices. As these accounts were not authorized by me, any collection efforts violate the FDCPA and should cease immediately. 

I respectfully request that the CFPB and the credit bureaus take immediate action to investigate and remove these fraudulent accounts from my credit report to reflect my true financial standing. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of these entries.
Product: Student loan

The loan was forgiven, and I was informed that I would not have to worry about this. However, every month, I receive an email informing me that the interest rate is increasing, which is negatively impacting my credit score. I was approved for federal loan forgiveness, so please cancel the loan as I was previously advised.
Product: Debt collection

Commonwealth Financial Systems is reporting false and misleading information to XXXX. I have never heard of nor have I ever contracted with Commonwealth Financial Systems. On Tuesday, XX/XX/2018 I mailed out certified letters to both Commonwealth Financial Systems and XXXX seeking validation, not verification of this allege debt under the Fair Debt Collection Practices Act. As of Sunday, XX/XX/2018 both Commonwealth Financial Systems and XXXX have failed to provide me with a response and they have also failed to provide me with a release that releases my medical information to them, therefore by providing ( Commonwealth Financial Systems ) and furnishing ( XXXX  ) such information they are in clear VIOLATION of my HIPPA rights. I will now seek every legal remedy available to me and file suit against all parties responsible for reporting this violation.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$690.00} {$500.00} I request cashier check on XX/XX/XXXX I paid extra for overnight shipping next day they gave me tracking number since I put request in after XXXX it says will arrive on the XXXX ok cool I waited on the XXXX still havent came I waited the next day still havent came so I contacted XXXX they said the label was created but navy federal never gave them the packages so I contacted navy federal numerous of time they said they couldnt help me so I contacted them through emessage which I have to wait for a response 2-3 days so they contacted me saying I had to write a written request which I did then ithey wrote me back today saying they review my request wait 24-48 hours smh really my lights is off now n XXXX XXXX XXXX XXXX XXXX  now Im in a hotel smh
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX have been a victim of identity theft. As a Louisiana resident, I was impacted by the Louisiana XXXX Data breach, with all of my information exposed. I do not have any accounts with the companies listed, and I have attached my FTC report for accuracy. My credit report currently needs to report accurate information as a result of identity theft. I'm asking that for this to be corrected for accuracy. 

XXXX | {$10000.00} | identity theft - no account with them. 

Inquires XXXX XXXX XXXX XXXX | XX/XX/23 & XX/XX/23 | inquiry " result of identity theft - no account or car with them. 

XXXX XXXX XXXX XXXX | XX/XX/23 - inquiry | result of identity theft | no account with them.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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
Product: Credit reporting or other personal consumer reports

The account is paid in full. I have a XXXX balance and the verification was emailed out to me on XX/XX/2023. However, it is still showing on my credit report for the full amount of {$200.00}, XXXX. Each time I dispute it with the credit companies I get a notice stating that Mohela is reporting that the amount they have is verified. Each time I call Mohela they tell me that they are not reporting that amount to the credit companies and there is nothing they can do to help me.
Product: Credit card

Dear XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year> email XXXX address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX once again I request the information that you send me with the 21 days advance notice before posting the delay to my credit bureau and you still have not provided me with any information. If such information exists please send it to me by this means. If not, please remove the information from all 3 credit bureaus.
Product: Debt collection

Requested for the original contract with my signature to be sent to me. There is still no reply to my request.
Product: Prepaid card

There were transactions on my account so I and a new 1 and I couldn't and still can't get a card that is associated with my new account and. I did all the things they told me to do and turned it in and still having problems and money taken outta my account.
Product: Money transfer, virtual currency, or money service

Entities Involved - XXXX XXXX, Zelle, XXXX XXXX, and XXXX  XXXX XXXX I use XXXX XXXX  for my banking needs. I hold a checking and a savings account with them. They have an affiliated service -Zelle XXXX for money transfers that uses phone numbers or emails as identifiers to send money. On XX/XX/XXXX, I made a payment of {$1700.00} to an individual known to me by using her email which is linked to her Zelle Account. I was told by the individual that she has not received my payment. On receiving this news, I called XXXX XXXX  's customer care number and visited their branch in XXXX XXXX to seek help. They registered a claim on XX/XX/XXXX. They responded on XX/XX/XXXX, that the money was received by the individual - the intended recipient of the money on the account linked with her email address on Zelle. I again went back to the individual stating that the bank has completed an investigation and that they are claiming that the money is with you. The individual responded by providing me an email copy from her bank- XXXX XXXX - that no such money has been received in her account linked with Zelle with them. I went back to XXXX to reopen the claim on the basis of this document. They came back saying that the money was received by the intended recipient in the bank account linked with the email and her Zelle account. On my repeated queries with the bank to figure out the whereabouts of my money, one of the customer care executives/investigation team members suggested that I request the intended recipient for her bank statement for the month. I complied and requested the bank statement from the intended recipient. The individual was not comfortable with sharing the banking statements but assured me that she will check with her bankers again. She wrote back by email saying that she went to both her bankers ( XXXX XXXX XXXX  and XXXX  XXXX XXXX ) where she has different Zelle accounts. She categorically wrote in the email that both banks denied receiving any such amount. On JXXXX XXXX XXXX XXXXXXXX, I requested XXXX XXXX  and Zelle separately to provide me with the details of the bank account where they believe the money is deposited. They have not provided this information citing privacy concerns and are not paying heed to the fact that the intended recipient checked with both banks about the money and came with the same reply that the money was not received in her accounts. In the end, I don't know where my money is sitting and the information about this is sitting with XXXX and Zelle.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXXXXXX ACCOUNT NUMBER : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX  XXXX Balance Owed : {$44000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} CXXXX 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

derogatory remark on an account an existing thats more than 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I was laid off in the beginning of COVID 19. I contacted Credit Acceptance around XX/XX/XXXX and agreed to file natural or declared disaster. I was told to return the vehicle and they would close the account and wave the amount still due. Since then, they have not only took my state taxes on a closed account but also posted on my credit that it was a voluntary repo XX/XX/XXXX, and a voluntary surrender XXXX that's not what I agreed to. The balance is wrong. This account was closed XX/XX/XXXX in court. Case # is XXXX. Credit Acceptance has also pulled hard inquiries on my credit without my permission on thse dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This account should've been removed on XX/XX/XXXX per court order. They should not have any access to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXXDEPT OF ED Account number:XXXX  Account name : XXXX/DEPT OF ED Account number:XXXX  Account name : US DEPARTMENT OF EDU Account number:XXXX  15 USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years. 


15 USC 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 in information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Denial of Access to Consumer Report Dear CFPB, I am writing to file a formal complaint against XXXX and Experian for their failure to provide me with access to my consumer report. Despite repeated attempts to obtain my report, I have been met with obstacles and denials. 
The inability to access my consumer report is a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ). This law grants consumers the right to obtain a copy of their credit report and to dispute any inaccuracies. 
The actions of XXXX and Experian have caused me significant inconvenience and frustration. I am unable to monitor my credit report for errors or fraudulent activity, which could have serious financial consequences. 
I respectfully request that the CFPB investigate this matter and take appropriate action against XXXX and Experian. I believe that these companies are not complying with the FCRA and are harming consumers. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXXExperian for their failure to correct multiple inaccuracies on my credit report and for continuing to report unauthorized medical information in violation of HIPAA. Despite numerous attempts on my part to resolve these issues, XXXXExperian has repeatedly failed to take appropriate action. 

Inaccurate Reporting and Court-Ordered Documentation I have submitted legal court-ordered documents to XXXX/Experian showing the correct amount owed for an apartment-related judgment. The court order clearly indicates a different ( and lower ) balance than what XXXX/Experian continues to report. 
XXXX/Experian has been provided with copies of these documents multiple times, yet the incorrect balance remains on my credit file. This directly violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure maximum possible accuracy. XXXX immediately resolved the issue ; I will include dispute results. 

Unauthorized Medical ( XXXX  ) Information Equifax/Experian is reporting account information that includes or implies sensitive medical details, which were never authorized for release. 
Under the Health Insurance Portability and Accountability Act ( HIPAA ), protected health information can not be disclosed to third parties without explicit consent. XXXX continued reporting of this information constitutes a serious privacy violation. 

Failure to Investigate and Resolve Disputes I have formally disputed these items with XXXX/Experian on multiple occasions, submitting the necessary evidence each time ( court orders, letters from medical providers, and any relevant documentation ). 
XXXXExperian has not provided an adequate investigation or valid justification for continuing to report these inaccurate and unauthorized items. 
They have also failed to communicate effectively regarding the status or outcome of the dispute process. 

Impact on My Credit and Privacy Due to XXXX/Experian 's negligence in correcting these errors, my credit score and financial standing have been unfairly affected. 
The unauthorized disclosure of my medical information is both distressing and damaging to my privacy rights.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year> Credit Collection Services XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Dispute of Debt ( File Number : XXXX XXXX XXXX, Pin Number : XXXX ) To Whom It May Concern, I am writing to dispute the validity of a debt that your agency claims I owe. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Additionally, there are inaccuracies in your records that need to be corrected. 

1. **Incorrect Name** : The name listed on the collection notice is incorrect. The notice lists my name as " XXXX XXXX, '' but my correct name is XXXX XXXX XXXX. 

2. **Request for Validation of Debt** : In accordance with 15 U.S.C. 1692g of the FDCPA, I request that you provide validation of this debt, including : - The amount of the debt. 
- The name of the creditor to whom the debt is owed. 
- A copy of any judgment ( if applicable ). 
- Verification and documentation that I am indeed the party responsible for this debt. 

3. **XXXX XXXX  and XXXX XXXX : If this debt is related to XXXX XXXX, I request that you provide a XXXX authorization form. As stated in 15 U.S.C. 1692c ( b ), you must obtain my authorization to disclose any XXXX information related to this debt. 

Please note that you have 30 days from the date of this letter to respond with the requested validation information. Until I receive proper validation of this debt, you are not to report any negative information to the credit bureaus, as it would constitute a violation of the FDCPA. Additionally, I am requesting that you correct the name error in your records immediately. 

Send the requested information to my address as listed above. If this debt can not be validated, please remove it from your records and cease any further communication with me. 

Thank you for your prompt attention to this matter. 

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

Equifax is causing me pain and suffering. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX are in violation of the Privacy Act of 1974. I did not give XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX consent to report my nonpublic personal information. As well as, I do not ever remember doing business with any of these companies. Because my privacy rights are being violated, my family and I are suffering emotional damages, mental stress and health issues. I am suffering emotional damage while I am trying to purchase a safe and suitable home for my children. Me and my children will be homeless, because I cant get a home. All because Equifax has falsely obtained and disclosed my nonpublic personal information without my written consent required by public law. I am exercising my right to opt out of Equifax disclosing and collecting my information on these accounts, 15 U.S.C. 6802 6804 Obligations with respect to disclosures of personal information. Equifax is a non-affiliate third party to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Because these companies sent my personal information to Equifax more fraud has been committed against me. I would like for Equifax to give me the document I signed to give consent to share my nonpublic personal information. And if Equifax somehow finds forged consent, I still have an inalienable right to exercise my right to opt out. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' Delete and block these accounts that are disclosing my nonpublic personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
While looking over these accounts I have found several inaccuracies that are violations of the FCRA public law. My intent is to seek legal counsel and file a civil suit ; however, I am giving Equifax the chance to resolve this issue outside of the court system.
Product: Mortgage

Approximately XXXX XXXX, I was behind on payments and Select offered ( no solicited ) me a loan modification. I had to pay a certain amount for XXXX, XXXX, XXXX of XXXX. 

I made the payment but slightly early because I didnt want any mishaps. So I started making the payments in XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX and in XX/XX/XXXX for XXXX. 

Since, I made the payments slightly early I suppose they sent out the contract early. I did not see the contract until I was trying to make a payment for XX/XX/XXXX. Because, starting late XX/XX/XXXX, I learned that I needed a medical intervention and therefore had multiple medical appointments between XXXX and XX/XX/XXXX. I submitted the signed contract albeit late and explained that I missed the deadline for medical reasons. 

They gave no consideration that I had made all the payments early. In fact, had they only been on time, the due date would likely have been late XXXX XXXX. Then, because they refused the to honor the previous contract, I requested another modification/deferral, they approved it, only to withdraw siting the previous offer and exacerbating my financial problems. 

Due diligence is what should be done before and offer, I believe that the withdrawal was unfair and made things worse. 

Unfortunately, XX/XX/XXXX, I tested positive for XXXX and also had a reoccurrence about XXXX days after testing XXXX so for nearly XXXX weeks I was ill with XXXX.