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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, 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 XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX agreed to delete the tradeline with the credit bureau. As of XX/XX/XXXX, this has not been removed from my Equifax and XXXX  credit reports. I have attached the response received from XXXX when I filed a compliant in XXXX. Please complete the request of removing this from my credit report.
Product: Mortgage

I have tried numerous times to make modification, we have proven that our current situation is better, we have told then that we Received {$10000.00} a XXXX at this time and we have provided evidence to, but they never given a correct resolution. 
we need our house, last Application we did on XX/XX/XXXX. 
they asked for all the documentation and i proved it to them, but received a letter dated XX/XX/XXXX in which they requested the information that had already been provided and we send an Email with the evidence, XX/XX/XXXX i get another letter asking for the same information they been requesting in XX/XX/XXXX on the Same day XX/XX/XXXX I recceive another letter saying that my loss mitigation application will not be evaluated because i failed to submit my complete loss mitigation application also said the foreclosure sale is XX/XX/XXXX I demand that they show all the evidence that i provide, well i have all the evidence including all calls and emails. i demand a solution or it will be time to sue this company also i demand a review of the cocuments i provide the them, for my loan modification. 
i demand a modification for my house and document Review i provide to them all the documentation and at the last minute they say they are not going to review anything, I thing this company just wants to steal our property
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted them about numerous hard inquiries that was been reported on my credit reports ( XXXX, EquifaxXXXX XXXX ) from where company pull my credit report without my writing consent and ask for validation of the account or information that they attain to get my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines, I been a victim of the XXXX  breach and since my identity been compromised I've also been a victim of the dark web. Please remove the following items from my credit file. 

1 ) XXXX XXXX 2 ) XXXX/ XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX   {$3600.00} 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX  {$5300.00}, {$120.00}, {$1300.00}, {$2700.00}, {$10000.00}, {$94.00}, {$5000.00}
Product: Debt collection

I sent a debt validation letter to Portfolio Recovery on XX/XX/year>, and their response was inadequate. I followed up with another debt validation request on XX/XX/year>. They have failed to provide their license to collect debt in my jurisdiction or any of the documents I initially requested. This failure to comply should lead to the removal of all my personal information from their records. I am therefore demanding that they delete this information immediately. Moreover, the itemized statement they provided does not constitute valid proof of the debt, as it is not a signed contract between myself and Portfolio Recovery. An itemized statement alone is insufficient for validating a debt, as it can be easily fabricated.
Product: Student loan

I attended XXXX University XXXX from XXXX. While I was there tuition increased yearly and I found out some of the classes applied XXXX credit hours to your graduation, but cost XXXX credit hours. That was about {$1500.00} more per student, per semester. They lied to me about placement rates for internship during the interview process and many people could not find training sites and left with only a XXXX XXXX degree when they were in the XXXX program or no degree at all. I later found out there were terrible atrocities committed across the country by XXXX-lying about accreditation, an inability for former students to get transcripts and diplomas, and stealing federal student aid. I was told my loans would be under {$100000.00} when I graduated. I paid my loans for 7 years until the hold with COVID and now I have over {$250000.00} in loans. It is a huge financial burden that costs more then a monthly mortgage payment. 

On XX/XX/year> the Argosy University borrowers sent the Department of Education the XXXX  University white paper, XXXX Lies : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Defrauded a Generation of Students and the Federal Government that detailed copious evidence collected by XXXX borrowers themselves. The evidence comes from lawsuits, settlements, congressional testimony, and federal investigations. Furthermore, our letter to the Secretary of Education cosigned by XXXX organizations including the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Debt Collective, and XXXX XXXX students, faculty and staff collectively recommends the broad cancellation of all XXXX  University loans. 
I am filing a complaint for the Department of Education to take notice that the borrowers deserve to be made whole from a governmental system of oversight that has failed them.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I sent {$100000.00} to my brother in-law ( XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX through Moneygram, He went to XXXX XXXX in XXXX XXXX XXXX to crollect the money ( {$1000.00} XXXX, after filling the require form, he was told at the XXXX XXXX that their payout limit is {$600.00} dollars only, it was on saturday. so nothing was given to him, the following monday he went to another bank, and they said the Reference number is invalued,, i called Moneygram customer service and ask if they could re-issued a new reference number. their customer representatvie said the money was paid out, i explained what happend in XXXX, i even spoke to the Bank branch manager he said it was n't paid. he said because the teller keyed in the reference number that is why it is showing as if it was paid out, The branch manager advice me to get a refund so that i can resend the money with a new reference number. i was transfer to the fraud dept of the Moneygram and they said i will hear from them within 90 days, then yesterday the XXXX of XXXX i got the attached letter in the mail. They refused to tell me where the money was cash.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, at XXXX, I accidentally sent money to my friend 's old CashApp account. And now CashApp won't allow my friend to have access to the old account to be able to cancel or send my money back to me. I've asked them for a refund or to at least cancel the payment and they said they couldn't do it because it's already been completed. But it's not completed because for that to happen, someone has to accept the payment. And since my friend can't access the old account, there's no way for the payment to be accepted! I just want my money back! It was a simple mistake and CashApp is acting like there's absolutely nothing that they can do! Please help!!!
Product: Consumer Loan

USA discounters has not been refunding the total amount back to customers when they add new products to a contract. When they rewrite the contract They do n't apply the full refund back to the customers. A little bit it left in the principle to keep accumulating interest and the principle. 
This happened over my XXXX rewrites as I added new items. I did n't catch it until I was in a court battle with USA discounters and reviewing all my contracts. I noticed the difference when I compared there previous warranty and debt cancelation charges to the refunded amount. I read thought there bankruptcy paper work and they stat in there that those XXXX items are broken down over the length of the contract. 
When I went to court about the matter we settles but the lawyer told me I would probably win that section of my case if we went to the judge. I settled on a XXXX pay back ay 9 % interest over XXXX months. Which is fine by me when I was suppose to pay XXXX total. 
I need to bring this forward because if they did this to me they are doing it to other customers before they started there chapter XXXX. I hope you can look into this and it is found to be true and they are stealing form customers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Bankruptcy Reporting Under 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute the bankruptcy listed on my credit report with your agency. The information is inaccurate and/or unverifiable, as outlined under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

The bankruptcy I am disputing appears as follows : Bankruptcy Case Number:XXXX Filing Date : XXXX XXXX, XXXX Court Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXXfter reviewing my records and verifying with the appropriate sources, I believe this information is either inaccurate or can not be verified. I am requesting that you conduct a thorough investigation of this item as required by law. Specifically : Confirm whether the bankruptcy court reported this information directly to your agency.

Validate the accuracy and completeness of all associated details.

Provide a detailed explanation of your findings or promptly delete this item if it can not be verified.

Under 15 U.S.C. 1681i, you are required to complete this investigation within 30 days of receipt of this letter. Please provide written confirmation of your investigation results and any changes made to my credit report upon completion.

I have attached copies of relevant documents to assist your investigation ( e.g., my ID, court documents, credit report showing the disputed item ). 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

See previous complaint # XXXX. 

JPPenney credit card continues to charge excessive and unconscionable late fees. Most recent fee was charged because a previously promised additional {$41.00} refund was not done. Further, purchase returns have not been processed and refunded properly, so I did not anticipate a payment due in the first place. 

Also, JCPenney arbitrarily and substantially reduced the credit card available credit from {$4000.00} to {$250.00} without reasonable cause or due process. This directly, immediately and substantially damages my personal credit score, and is resulting in significant financial harm to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A VICTORIA SECRET ACCOUNT THAT I DO NOT USE AND HAVE NEVER BEEN LATE ON IT. I RECENTLY HAD A 30 DAY LATE PAYMENT THAT REPORTED TO MY CREDIT TODAY. I WAS VERY TAKEN BACK AS I PAID THIS ACCOUNT OFF AND I DO NOT USE THIS CARD. I CALLED VS IMMEDIATELY AND THEY SAID THAT IT WAS DUE TO SOME TYPE OF INSURANCE ON MY ACCOUNT. THE REP CORRECTED THE ERROR AND BRAUGHT MY ACCOUNT BACK TO A ZERO BALANCE. HOWEVER I AM LEFT WITH A 30 DAY LATE ON MY CREDIT REPORT. AND I NEED THE LATE PAYMENT REMOVED AND THE STATUS UPDATED ON ALL 3 BURROUGHS. I AM IN THE PROCESSS OF PURCHASING A HOME. LITERALLY A FEW WEEKS OUT OF CLOSING AND MY WHOLE LOAN IS IN JEOPARDY FOR {$2.00}!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments ; I've attached a copy of my report to this complaint on the following dates ( XXXX XXXX ) I'm now requesting you investigate this account and update these payments to " paid on time '' immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

This is a follow up from Report XXXX XXXX XXXX  The law is very clear on the UCC laws and the UCC11 proves no liens on me or my property. If you owe a debt the creditors should put a lien to prove your indebtedness. The UCC filing allows creditors to notify other creditors about a debtor 's asset used as collateral for a secured transaction. UCC Liens are filled with the secretary of state acting as a public notice by the creditors. I have attached the UCC-11 CERTIFIED LETTER from the state clearly showing no liens or debt on me so how can you report anything as debt on my credit report? Per 15 USC 1681 section 604 ( a ) a consumer reporting agency can not furnish an account without my written instructions. 

Now to be specific these accounts should be deleted from my credit file immediately. 
XXXX XXXX XXXX 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

XXXX XXXX reported collections on Transunion and XXXX. These debts are not mine and I am not aware of what even these dollar amounts are for. Both credit agencies did not validate the debt even though they said they did. 

I have no knowledge of them, they are not able to validate the debts amounts and what services were provided to come to the dollar amount stated. 

Transunion has two collections from XXXX XXXX {$610.00} {$2300.00} XXXX has XXXXour collections from XXXX XXXX {$610.00} {$2300.00} {$60.00} {$60.00}
Product: Vehicle loan or lease

I financed a XXXX through fuel capital in XXXX of XXXX called them and asked them to send any new paperwork via email or to my new address in XXXX when I moved. Ive made every payment on time. I was lied to about option GPS recovery hardware I paid extra for by the dealer and found out later this hardware is mandatory by the finance company and protects them. Then on XX/XX/2022, I receive a text stating that " fuel capital is now Strike Acceptance, you're set to receive convenient account text. '' payments have continued to be withdrawn with no changes on my part each month. I have carried full coverage insurance as agreed to in my finance contract with fuel with zero lapses. Today I visit my family and find a letter sent to my parents house saying that they can not verify I am carrying full coverage insurance and that if I do not prove I have full coverage insurance with " Stike acceptance as the lossy by XX/XX/2022 they will take measures to protect themselves which can cost me. I opened this letter on XX/XX/XXXX. I've never signed any paperwork changing my contract or terms nor agreed to receive any account correspondence via an address, which I have not lived at since 4 months after purchasing my XXXX. I feel mistreated and violated in the contract agreement I signed in many ways. I should not be penalized because a fiance company decides to change its ownership or sell my loan without properly informing me of changes and requirements that I can agree to. nor should I be put in a position where I need to take time from work to try figuring out what I need to do to address these new demands after receiving a confusing and threatening letter. I've abided by the terms of my contract. I also would like a refund for the GPS options I was sold fraudulently because the dealer said it was an option, which would pay me XXXX dollars on top of the value of my bike if it was not recovered and this is not true. it is mandatory according to this financial company 's paperwork and a violation of my contract if I remove the device. I was not informed of any of this, was misled about what this was, and paid for something I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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.

( 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to pursuant to FCRA 605B ( 15USC 1681c-2 ) that you the Experian, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card and personal loan account opened at : XXXX XXXX  account opened on XX/XX/XXXX and has a balance of {$160.00} Account XXXX XXXX In collections I have one account that are a result of Identity Theft. From the above mentioned account. This must be removed pursuant to FCRA 605B ( 15USC 1681c-2 ) and this account has been placed in collections and are showing on my credit report as closed.. This account has resulted in several fraudulent hard inquiries and fraudulent collections and closed accounts appearing on my consumer XXXX credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, closed accounts and hard inquiries as reported. The accounts, collections, closed accounts and hard inquiries appearing on my credit report were NOT opened, made or initiated by me. All of these accounts, collections, closed accounts and hard inquiries are a result of identity theft and fraud, I have attached a copy of the FTC Identity Theft Criminal Complaint numbers ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.