23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) gained unauthorized access to the XXXX Department of Educations internal systems, compromising personally identifiable information of student loan borrowers, including mine. This breach exposed my loan details, Social Security number, and other financial records without my consent. 

The Department of Education failed to notify me of the breach, provide any mitigation steps, or offer assurances that my data remains secure. This unauthorized access puts me at risk of identity theft and financial fraud, potentially affecting my credit standing. 

I am requesting the full discharge of my student loan debt due to the Department of Educations failure to protect my sensitive financial information. Additionally, I seek a formal acknowledgment of the breach, steps taken to mitigate its impact, and assurances of improved security to prevent future unauthorized access.
Product: Debt collection

Hello, I seen that this account was on my credit file as a acollection and was place inyour office in XXXX 2020, however I never once recieved any notification verbally or writtena about this collection being transfered or sold to your company. Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter. I was never notified of the debt in 2020. 

I have mail cerfitied letter asking for debt verification and al Ihave recieved back is a bill a not anything tying your company to the debt and that you can legally collect on this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Request for Account Information Auto Lease Dear Sir/Madam , I hope this letter finds you well. I am reaching out to request specific details regarding my auto lease account referenced above. Please note that this is not a dispute ; I am simply seeking clarification on the following information : The date of first delinquency on this account. 
The date of my last payment made toward this account. 
The date of charge-off, if applicable. 
I would appreciate your prompt response with this information. If any additional details or verification is required from me, please let me know. 

Thank you for your time and assistance. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I received a copy of my most recent credit report and there are inquiry from XXXX XXXX XXXX  XXXX  which I did not initiate, request and/or conduct any business with this company. XXXX XXXX XXXX  XXXX  dated XX/XX/2023
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXX XXXX  XXXX  certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Debt collection

I received a letter from an alleged debt collection company, Assured Collections in XXXX, XXXX. The letter fraudulently alleges that they were attempting to collect a debt owed to " XXXX XXXX Supplies '', in the amount of {$5900.00}. 

I have never heard of " XXXX XXXX XXXX  ', nor have I ever received any products, services, equipment from them and this is a fraudulent claim. 

I do not want to actually CALL either Assured Collections, XXXX, or XXXX XXXX XXXX since this is a matter of fraud or identity theft, and I do not want them to have access to my phone number.
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - REMOVE INQUIRY } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

THANK YOU, XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm experiencing XXXX XXXX, and XXXX concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Product: Credit reporting

I have XXXX hard inquiries on my Equifax credit file that I clearly did not authorize. I asked the agency to provide me with proof multiple times and each time the say verified which I know they did n't. These are the inquiries XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  10/4/2016, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. Please remove.
Product: Money transfer, virtual currency, or money service

I located a XXXX post for an upcoming XXXX XXXX game and texted the seller about the tickets on Saturday, XX/XX/2019. 

- His original cell phone number was XXXX. 
- The offer was for 4 tickets, {$90.00} each. Total of {$360.00}.

- The agreement was for the seller to transfer 3 of the 4 tickets to my XXXX account first, then I would send payment, then he would send the 4th ticket to complete the transaction. 
- I received an email from XXXX at XXXX that 'XXXX XXXX sent you tickets ' - The transfer was complete and I had 3 of the 4 actual tickets in my XXXX account - Then the seller asked if I can pay with an app called XXXX. My bank, PNC Bank, is integrated with XXXX so I felt comfortable using it at the time. 
- The seller sent a payment request to my XXXX account from XXXX XXXX ( XXXX ) XXXX ' for the {$360.00} payment we agreed upon. 
- I accepted it, and the seller told me I would have the 4th ticket soon as he was transferring it. He never did. Stopped responding to text messages, calls, etc. 
- I received another email from XXXX at XXXX telling me that the tickets which were transferred into my account were fraudulent.. " Unfortunately the original tickets were obtained fraudulently and the original order was cancelled which means the tickets transferred to you are no longer valid for the event '' - I called my bank, PNC Bank, at XXXX to put a stop on the payment to XXXX since it was still pending. They instructed me that because it was still in flight, I had to wait until it posted for them to do anything about it. I was told to call back on Tuesday morning. 
- I called back Tuesday morning, and PNC told me there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX 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: Credit reporting

XXXX Account Number : XXXX This is not my account its my son who is XXXX years old I have asked for docs did not receive any thing from them please have them remove it immediately. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the item, listed below, to be corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the XXXX XXXX XXXX XXXX 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned item for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Balance {$6000.00}
Product: Debt collection

I discovered a collection account from California Business Bureau recently. I knew nothing about this bill because they never contacted me before placing it on my credit, which by law, they are required to do. I immediately disputed it with all XXXX credit bureaus and they have 30 days to contact the original creditor to verify the account. They responded back in a week that they had done so and the account was indeed mine. However, I contacted the hospital office that they were supposed to and they assured me that they had NOT heard from California Business Bureau AT ALL. Which means they are committing fraud and violating the FCRA. I did research into California Business Bureau ( XXXX, XXXX, etc. ) and this is how they conduct their business on a daily basis. They regularly threaten people to make them pay bills, illegally take money out of people 's bank accounts, give people fake account numbers so they payments do n't credit, pretend to be linked to the State of California and exactly what they did to me, reporting a collection account to the credit bureaus without notifying the person and more.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX unverified / invalidated Account doesnt belong to me have no knowledge. 
XXXX XXXX XXXX XXXX UNVERIFIED/UNVALIDATED Account doesnt belong to me have no knowledge. 
XXXX XXXX XXXX XXXXXXXX UNVERIFIED/UNVALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXX UNVERIFIED/UNVALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXXXXXX UNVERIFIED/UNVALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXX UNVERIFIED/UNVALIDATED Account doesnt belong to me have no knowledge XXXX XXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXX UNVERIFIED/ UNVALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXXXXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX Original creditors : XXXX XXXX XXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX Original creditors : XXXX XXXX XXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have XXXX XXXX XXXX Original creditors : XXXX XXXX XXXX XXXX XXXX XXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have no knowledge
Product: Checking or savings account

I tried to get a loan from lendistry due to financial burdens due to covid and am in a desperate situation to receive money due to lack of funds. When trying to receive the money, I input my routing and account number for my bank at PNC. During the application process for receiving this loan, I could not continue due to a message stating verbatim " PNC has made a change that prevents you from being able to link your accounts. '' This is very frustrating, because I may not be able to receive the help I need due to a logistical error with PNC bank. Also, PNC bank has continually created hurdles from multiple ( literally over 10 ) attempts to receive assistance. They should be held accountable for their poor customer service and immoral, neglectful actions which have had a severe impact on my ability to provide for my family.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Complaint Regarding GM Financial XXXX Number : XXXX Dear Consumer Financial Protection Bureau , I am writing to formally submit a follow-up complaint regarding GM Financials response to my initial complaint. Based on their letter dated XX/XX/year>, I have identified multiple discrepancies and concerns, particularly regarding their handling of my account, credit reporting practices, and potential violations of federal tax law. 



1. Failure to Issue a 1099-C for the Charged-Off Amount In their response, GM Financial confirmed that a deficiency balance of XXXX was charged off after the repossession and sale of my vehicle. However, they also stated that they have not issued a 1099-C ( Cancellation of Debt ) because they have not determined an identifiable event. According to IRS regulations ( XXXX XXXX XXXX ), a lender is required to issue a 1099-C when a debt is canceled or charged off as uncollectible. If GM Financial has charged off the debt and is no longer actively pursuing collection, they may be in violation of IRS reporting requirements by failing to issue the appropriate tax form. 
2. Possible Incorrect Credit Reporting GM Financial acknowledges that an update to my credit report was necessary due to a discrepancy I pointed out. However, they provide no details regarding what was incorrectly reported in the first place. Additionally, they state that my credit report reflects a delinquency history but do not clarify whether they have properly updated the account status following the charge-off. Reporting inaccurate or misleading information violates the Fair Credit Reporting Act ( FCRA ). 



3. Lack of Transparency on the Deficiency Balance While GM Financial states that they reviewed the account history and determined the remaining balance was accurate, they do not provide documentation or an itemized breakdown showing how they calculated the deficiency balance. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt. Without proper documentation, I can not confirm whether the balance they claim I owe is legitimate. 



Requested Actions
Product: Mortgage

Trying to pay down loan to 78 % equity to cancel PMI, we submitted payment of {$42000.00} in XX/XX/XXXX and another {$10000.00}, soon to be {$20000.00} in XX/XX/XXXX. Instead of applying payment amounts to principal and current month payment, the servicer, Ditech Financial, has applied our payments to future mortgage payments both times. They even ignored additional payments I had scheduled and never posted them! On top of that they refuse to cancel PMI since we are already at 78 % equity of the original loan ( originated in XX/XX/XXXX ) unless we pay for a new appraisal and they get an official request. By law they are required to cancel PMI automatically when we are at 78 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

The XXXX has been working with us ( my wife and I ) and has been engaging with Shellpoint XXXX XXXX dba Newrez LLC. XXXX is willing to pay the cost as 2020 due to COVID. Additionally, my wife and I are willing to pay XXXX dollars in addition to what XXXX is planning to pay. This leaves about XXXX that we are requesting Shellpoint to act in good faith, total consideration, and modify the morgage However, Shellpoint seems to demand all the money to be paid right away. Shellpoint has sent a proposal to XXXX asking for all the money to be paid off. If not, Shellpoint want us to mortgagors to pay the money. Our complaint is that Shellpoint is acting out of the consideration to prevent the foreclosure and is denying us the right to modification considering the XXXX is stepping in to support in every way possible as well as our efforts to pay XXXX dollars. We have XXXX children and foreclosing the property will destabilize us and we won't have a place to live. We want to keep the property and continue paying our mortgage as it should be. Since my last complaint, we have applied for modification several times and Shellpoint has been denying us. We are completing another one tomorrow and if Shellpoint is not going to consider what XXXX is paying in addition to what we are paying, XXXX dollars, then they will deny us right away. Shellpoint should grab the opportunity to prevent the foreclosure by modifying the mortgage.
Product: Debt collection

I have been receiving several calls and letters from Sentry Credit , INC regarding past due debt. I contacted them and gave them the account number listed on the documents that Ive received from them. I told them that this debt was entered into bankruptcy in 2021. She had my name and information pulled up but she wanted me to say my full name. I was not comfortable doing that. I stated to her that I had given her the account number for the account and she said that I could be someone else. I attempted to give her the bankruptcy number that proves that this was settled, she did not want to hear that and told me to hold on so that she could get a manager. I hung up out of frustration and contacted XXXX. The person I spoke with told me that they should not be harassing me and it is written off of my credit report due to bankruptcy. I want them to stop harassing me. Thank you
Product: Payday loan

I fully paid the loan and XXXX continued to try to collect more money. They have now sold my information to Nationwide Debt Management Solutions. I advised NDMS that I had paid the loan ( {$3000.00} for an {$800.00} loan before I closed my account ) and not to call me. They are calling me at work and I am going to lose my job if they do not stop. Today they faxed over and employment verification with my social security number on it to a fax machine that everyone in the entire company has access to.
Product: Debt collection

This complaint is against experian I like to file a complaint of prejudice for allowing this XXXX abuse me mental and physically and emotionally not excepting my SOCIAL security XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX month into my loan I wasn't late. I like to have this complaint fowared to the ombudsman. I volunteered them there car back I can't keep getting beat up anymore experian already destroyed me unfair treatment I will have Social security write me a letter of state-chartered that that bank got paid on XX/XX/year> payments not even due till 10 days after the XXXX of everyone I will continue to fight for my right