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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have requested the documentation regarding account XXXX at Bank of America continuously now for 7 months and they continually ignore the request. They got the original request well within the destroy documents period, but because of deliberate inaction as well as gross negligence they have not complied with this reasonable request. The result has been extreme hardship and financial loss to my family
Product: Mortgage

We have an equity line of credit with Citibank that we receive monthly statements. Today we checked our credit and saw that we have a delinquency for an account that we have never used. We called to inquire and they said the term of the account is up ( 15 yrs ) XXXX/XXXX/XXXX and the {$48.00} fee is to pay for the lean release. We have never received any request to pay for the fee or notification that the line of credit is up. On page XXXX of the statement which is on the back of page XXXX and looks boiler plate it was pointed out that it says '' agreement is mature XXXX/XXXX/XXXX '' yet the statement on the front where all the information does not mention anything, nor does it mention that we are past due for the fee, nor does it mention clearly that the account is mature. We have received a statement for every month which means since the " maturity '' we have been mailed a statement from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which does not say anything about the maturity on the front of the paperwork. Nor the request for the {$48.00} fee. If we had not run a credit report we would still not be aware of this issue.
Product: Credit reporting or other personal consumer reports

Lexis Nexis claimed to have permanently removed a public record from my report per their policy ( see attached letter ). For some reason, XXXX verified this account as accurate, meaning Lexis Nexis confirmed it to be accurate. This account is inaccurate and incomplete. It should be permanently deleted from the report and not furnished to any consumer reporting agency.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking and needed to upload my self attestation statement to TransUnion
Product: Money transfer, virtual currency, or money service

I have read the response from Cashapp and they are lying about what they are telling you. They do not want to give me all my money back, even though they gave me a little bit of it back. They say they put it into my XXXX debit card ending in XXXX and I'm going to have to get the monthly statement for XXXX and you will see there is no deposit from them, not one. When they gave me back the little bit of money they gave it to me on their app. Also the first thing they did was put it in my XXXX XXXX bank account and then took it out of my bank account which I was very upset with XXXX XXXXXXXX bank. How could they do that? I'm in the process of closing down that account, I'm just waiting for cash app to pay me back my money. So what happened was I was sending my brother XXXX dollars through cashapp at XXXXXXXX XXXX  Hawaii time and he said he did not get it. Then he said to get it immediately I had to send XXXX dollars so I then sent XXXX at XXXX he still did not get it so I sent it XXXX dollars at XXXX he still did not get it so I tried again and cashapp stopped me from sending money. It wasent until the next day when I noticed that the debit card ending in XXXX was up there and that debit card is not mine and that is where the money went. I immediately took it down. That is where this story stops for this amount of money. The other transaction are N/A. I do have my monthly statement from XXXX XXXX  bank and they through a curve ball with their response saying they gave me the money to my XXXX debit card. While I reached out to XXXX for my statements, I don't have XXXX but I will get it. They are totally lying when they say they gave it to be by way to my XXXX debit card ending in XXXX. They owe me And they know it. Why give me half my money and not all of it.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. 







accounts are not complete and accurate. 



And XXXX more thing according to 15 USC 1681s-2 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. 



XXXX XXXX XXXX ACCOUNT # XXXX OPEN DATE IS INACCURATE DATE OF LAS ACTIVITY IS INACCURATE LAST PAYMENT DATE IS INACCURATE I sent a letter asking them to make sure everything is complete and accurate. 



if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than XXXX  days after receiving a request from the consumer for that description. 



But they did not do that as well either. 



and according to 15 USC 1681s-2 they are suppose to 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.I am requesting for this account to be DELETED my credit report.

Please see this attachment below Delete this account immediately Dues violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681 e ( b )
Product: Checking or savings account

Hello i have tried to get the citi bank to take action i was told to file a complant which i did and it was denided i reported my cards lost/stolen my account was scamed by someone using a check of XXXX in my name they used my debt card deposted the check and tried to sent it thru XXXX or XXXX im not to sure. When i called to tell the bank this was not me they said they had canceled the activity but now they said my account was on negative and locked my accounts and they tell me to file another claim but they are still denying it i dont have this kind of money to pay the bank i dont know what to do please help me thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Charge off account Is showing a balance of XXXX. 

XXXX XXXXXXXX XXXX incorrect information XXXX XXXX incorrect information The balance is suppose to show XXXX. 

I disputed these issues to the credit bureau on Experian, XX/XX/XXXX no change Experian XXXX XXXX no change Experian XX/XX/XXXX no change Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

To be clear, the options previously selected are not completely correct for my situation. I did call SageStream LLC today and XXXX was awesome! I was unaware the difference with Consumer and Credit Reports. After speaking with him, I was able to submit my request for my report online and submit my request for a security freeze there as well. I was not able to submit my permanent opt out online, as I do not have the means of doing so. 
To be fair, I did submit a dispute via CFPB to SageStream ( prior to calling ) requesting my report. 
Today I am only requesting the opt out that I upload to be placed on my file. 

Thanks!
Product: Debt collection

Someone from XXXX called my friend. I don't know how they got my friends phone number and they told him that I was supposed to be in court and did not show up and that I was going to be served. My friend came to my house and told me that he spoke with XXXX XXXX from XXXX XXXX Court House and that I needed to call the number XXXX with my file number XXXX right away because I was in a lot trouble. So I got scared called the number and spoke to XXXX in XXXX. XXXX. She told me that I was going to sued for a loan from Western Finance that I took out in 2015 and that I needed to pay {$950.00} right now so that she can send an email to a someone so they won't serve me. I told her I don't know if the debt is mine. I am a victim of Identity theft and she stated that she has done her research and that it is mine and that I had to pay. I argued with her about to validate the debt but she stated that she was taking me to court and that I was going to lose and I was going to get a judgement she then hung up the call. Out of fear I called back and told her I didn't want any trouble and that I would pay but that I didn't have the amount she was asking for. She said to pay {$130.00}. I told her I don't have that money but let me see if I can borrow it, I was able to borrow it and paid her. When I paid her she told me that she had to record me agreeing to the payment plan. I agreed to everything because I was scared to be sued. I have never been in any trouble and XXXX 's tactics really scared me. I After I talked to my bank and to several people I learned that she had threatened me and that it is illegal for a debt collector to threaten a person for payment and it is illegal for her to still collect payment after the four years statue of limitations in Texas.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to seek your assistance regarding a denied claim for unauthorized transactions on my checking account with Chase Bank. Despite my numerous attempts to explain the situation, Chase has repeatedly denied my claim, and I am now turning to your office for help.

Here is a summary of the situation : 1. Activation and Loss of Card : I activated my new Chase debit card shortly after receiving it. Unfortunately, my wallet was lost soon after, and while I managed to cancel all my other cards, I forgot to cancel the Chase card as it was very new and I did not recall placing it in my wallet. This account was intended for savings and bill payments only, and I did not use the card for personal purchases. 
XXXX. Unauthorized Transactions : For an entire month, the card was used without my knowledge in various locations, including cities I have not visited, such as XXXX ( I live in XXXX ). I became aware of the unauthorized use only when Chase sent me a notification about a {$500.00} gift card purchase. I immediately called Chase the next day to report the fraudulent transactions and explained my situation to a representative. 
XXXX. Claim Submission and Denial : Despite my prompt report and detailed explanation, the claim was denied. I have written numerous letters to Chase pleading my case, but the denials persist. Chase provided two main reasons for the denial : They claimed I should have been aware of the transactions due to multiple notifications. However, I do not have notifications set up and did not receive any emails regarding the transactions, except for the fraud text about the gift card.

They argued that the card was activated and used immediately. While I did activate the card right away, it was lost soon after, and the unauthorized use began thereafter, which does not justify their denial.

I am extremely frustrated and distressed by this situation, as the unauthorized transactions have significantly impacted my finances. I believe Chase has not fully understood or appropriately addressed my case, and I am in urgent need of your assistance to resolve this matter fairly.

Thank you for your time and attention. I look forward to your prompt response and assistance in this matter.
Product: Vehicle loan or lease

On XX/XX/XXXX Credit Acceptance Corp. Canceled auto payments that had been reoccurring since XX/XX/XXXX for payments on a vehicle loan. I was not contacted or notified for two months. In XX/XX/XXXX once contacted I talked with a credit Acceptance Corp employee via telephone. I explained no payment should be missed because of the authorized auto payments that were set up to endure the length of the entire loan. She investigated the issue and told me verbally that yes it had been canceled by them and she stated she thought that was strange. However, if I did not pay 11??  ..dollars that my vehicle was already in repo. On principle and what I believe to be repetitive criminal business practices I cooperated with the repo. 
Upon credit acceptance auctioning the vehicle and including what I paid into the loan they made roughly XXXX dollars on a vehicle window priced at XXXX. Considering their shady practices I consider it a win for them. Yet, they have me in collections for an additional XXXX. 
This company has many negative reviews on XXXX, XXXX and I assume with your organization as well. 
Attached is a letter from credit acceptance stated that I had canceled via XXXX XXXX. I had no idea it even went through XXXX XXXX. What good sense financial institution would use a middle man to due transaction outside a bank. It would be much easier for a simple man like myself to call my back to end payments. 
Perhaps they use XXXX XXXX to allow for the gap to make these claims. I have heard that XXXX XXXX only runs two years of autopay continuously then it has to be reset up. I guarantee. Credit Acceptance not only knew this but uses it to reclaim and resell cars. 
Even if it was accidental the contract I signed authorized autopay for the entire 48 month duration of the loan and I never canceled the payments and never missed a payment. They canceled it or knew through all their previous dealings with XXXX XXXX the policies and procedures of XXXX XXXX to the extent they failed to notify me of such so that I could have avoided this mess and still have my vehicle that I loved! 

Thank you for you time.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to 1ST DIGITAL/SYNOVUSNT about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

My personal Information was exposed data breach. My information was exposed to identity theft resulting in several accounts of fraud on my report. I sent dispute letters to XXXX, XXXX AND TRANUNION to dispute and remove these accounts. I made a fraud report with the FTC for fraud and or identity theft.I am disputing the accuracy of the reported item under Section 605B of the Fair Credit Reporting Act. According to this section, negative information such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and a XXXX XXXX  bankruptcy could not remain on my credit report beyond XXXX years from the date of the event. The item in question is either outdated or inaccurately reported. Please investigate and remove this information from my credit report, as it no longer meets the legal reporting requirements under FCRA Section 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A : states I have the rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have been trying to verify the validity of this debit as the original creditors never contacted me about it. The last phone call I requested to be mailed something that shows me the validity of this collection and none was ever sent. We have not received anything via email or regular mail about this debt and I have never worked with this company before that they are claiming this medical debt is from.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To Whom It May Concern, 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 Governmental Entities ( 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 ). 
2. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information.

Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

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

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above.

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 
Sincerely, XXXX XXXX
Product: Student loan

My name is XXXX XXXX. I attended University XXXX XXXX and XXXX XXXX University Online classes XXXX. I graduated XXXX XXXX. If I could go back in time and reconsider I would NOT attend college. For XXXX reasons, the debt that I am left with now is IMPOSSIBLE to pay back in full before I die and the second is that education is NOT recognized in the workforce and it 's useless. I have NOT landed a job to utilize my degree credentials since I 've graduated 6 years ago. 
I divorced in XXXX and the loans I took out prior to that were based on my ex-husbands income and now I struggle as a single mom of XXXX kids trying to stay afloat in our expensive economy. I have done forbearance that just got me more interest and higher amounts owed. I then went to repayment by income, I make my small payments as required but I can NOT buy a home so that my payments are smaller than renting. My total debt to income ratio is too high and causes me to have a lower credit score. This student debt is consuming my every chance in life to succeed as a mother and a working citizen. 
I am just asking for some help. Student loans are NOT feasible for anyone 's future. I have to say if I could give back my degrees in exchange for my debt relief I would in a heartbeat. I want to ask a couple of questions, if someone is unable to pay back their student loans and go into forbearance or loan deferment status 's, why on earth would they be charged additional fees on top of what they are currently unable to pay? Loan establishments are greedy and nobody truly cares about our country success! This is a manipulative vicious cycle that sets us up those who are actually trying to make a difference in our own lives as well as others for complete FAILURE. 
NOW, I am against college or furthering knowledge beyond high school with this as my own personal experience from trying to do the right thing in life and show my kids the importance of higher education. I have to have XXXX jobs just to make ends meet providing a life for me and my kids barely making XXXX a year. 
Is there anything I qualify for that I am not aware of to get some assistance in student loan debt relief? I am at the last point here, I do n't want to struggle any longer I 'm not asking to be rich, I am asking for any help in eliminating some or all of my student debt if at all possible. Like I said before I 'll give back my degrees as they are no longer of importance to me. 
Also student loans are confusing, I believe I have both federal and private loans totally over {$64000.00} only to walk away with an XXXX and XXXX that are not acknowledged for me to get a job. I 'd appreciate any correspondence regarding my issues and pray to XXXX that I 'm taking seriously and receive some sort of assistance in digging out of underneath this impossible student debt.