23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX University dealt with Bank of America the lender who was the original lender who serviced all 12 loans before selling them to third party. The bank employees along with the employees at the university in the financial aid dept. under administrative XXXX XXXX, who handle all paper work and signed off on. Attached are some of the documents I was able to get. First time every taken out student loan in 2007. 

1. Refused to give me copies of all 12 loan application certification completed by the university. ( 2 ) Refused to give me copies of all 12 Bank of America Federal student loan Disbursement Notices ( received from XXXX are attached ) ( 3 ) The 4 Bank of America Federal student loan Disbursement Notices you can see how grade level changed from ( 3 ) to ( 1 ) to create ( 2 ) new loans ; funds that were part of the ( 2 ) unsub/sub loans from XXXX. ( 4 ) Funds were not sent back to the lender attached are the GL of the $ amount and XXXX XXXX deposit slip listing XXXXXXXX XXXX that the funds went to. Employees under administrative orders to charge part-time minority students full time tuitions and other fees then falsify loan certification so that loans taken out. 

All done for profits and kickbacks. Since I file a complaint against the University of all the employees misdeeds, I was informed that my college files had been destroyed. Due to the fact that I have repeatedly requested copies of my entire college records under my ( ssn ) and the two student ID numbers created by registration. XXXX and second number ( XXXX ). 

( 5 ) Changing student separation dates every 3 months just to create more unsub/sub loans with B of A. Neither the bank unable or wont give me the loan documents because they know I never even signed any loan documents nor have I approved the financial institution to be my lender or given the University permission to use them. 

XXXX & XXXX : BANK OF AMERICA, XXXX Bank of America used not just one branch to process all loans other branches listed on federal student loans were # XXXX, XXXX, XXXX XXXX All loans were reported on credit report crediting has increased and listing loans as a line of credit and not student loans before they sold loans to third party. 

XXXX XXXX resolution specialist, regulatory complaints department rep for Bank of America stated they never did federal student loans and they have know loan documentations at all nor any information even though they were the original lender of my loans and reported to all three credit reports as well.
Product: Debt collection

On multiple occasions I have received phone calls and emails with XXXX XXXX private information. Including name address, and balances owed and banking information. I have requested multiple times to stop calling and emailing me as I am obviously not her but they argue and refuse. They even refused to remove my email address because I dont know XXXX a full account information. I have been told just to pay it and theyll stop This violates so many privacy laws. And is harassment to someone who never used or had an account with them.
Product: Credit reporting or other personal consumer reports

I just recently pulled a copy of my latest credit report. I saw that I had some unauthorized hard inquiries and I do not know where they came from. I believe I am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX  days from the date of the receipt of this notice. I look forward to your response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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

I received a letter in the mail from FBCS , Inc calming that I owe a " XX/XX/XXXX '' {$1000.00} which seems to be for some sort of credit card. I looked at the account # on the letter which totals up/ looks like a credit card ( working in banking/finance I have experience with recognizing what these sorts of accounts look like ) First and foremost, the letter is addressed to simply " XXXX '' with my address, claiming they can offer me some sort of settlement offer if I oblige and pay them 50 % of alleged balance. 

I reached out to organization which more than likely purchased debt from " XXXX XXXX '' for proof that this debt belongs to me, with no response, so I am reaching out to the CFPB with the intent to have this completely removed/ taken care of, and prevent this from hitting the 3 major credit bureaus.

Im not sure if FBCS has my social security #, but at this point, I do not want to take the chance and wait around to find out. Especially for an amount that large, considering they have my current mailing address. 

Kind regards,
Product: Credit card or prepaid card

I am following a complaint against Chase Credit Card company. I am XXXX years old living in XXXX New Jersey and have been scammed and tricked into buying gift cards in order to keep myself safe and my identity. I was recently hacked on XX/XX/2020 when I logged into my computer and visited my bank site. After logging into the internet my computer was not into my control and a hacker told me I needed to pay in order to keep my personal files safe and that I would not be harmed in any way. The person on the phone acted as though they were XXXX and needed payment in order to assist me. I ended up paying in XXXX to have my life not taken from me and my personal assets save only to find out I was tricked and scammed. When I tried to file a dispute with the credit card company, they refused to help me and said it is my fault. I do not understand how I could have done this when I was under assumption that the person helping me fix my computer were legitimate. I have filed a police report in hopes of getting my case heard but became apparent that Chase bank thinks we weren't scammed and has told me I am forced into paying fraudulent charges since I had called the company were the cards were purchased after the incident. The gift cards companies did not stop the transaction and chase credit card company is holding me liable. I am hoping this complaint will make it clear I am a victim of ransomware and with a police report if I could have my case be heard at Chase bank at a higher level. I have tried to file a dispute with the credit card company but they will not accept a dispute and closed my account without sending me a new card. XXXX, New Jersey Police Case # - XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate, incomplete, and unverified information on my credit report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). The disputed information is causing harm to my financial standing, and I am requesting its immediate removal. 

Upon reviewing my credit report, I identified multiple charge-offs, collections, and other negative remarks that appear to be inaccurate, unverifiable, or reported in violation of federal law. Specifically, I dispute the following accounts : JPMCB Account # XXXX ( Charge-Off ) JPMCB  Account # XXXX ( Charge-Off ) XXXX XXXX XXXX Account # XXXX ( Collection ) XXXX XXXX Account # XXXX ( Late Payment or Other Negative Item ) Reasons for Dispute : The disputed accounts contain inaccurate and unverifiable information that must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

The credit bureaus and furnishers failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
Some accounts may have been reinserted into my credit file without proper certification and notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

The reporting agencies may have failed to maintain reasonable procedures to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). 
Legal Violations and CFPB Complaint Consideration : If these violations are not corrected within the legally mandated timeframe, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I may pursue legal action to seek damages for violations of my rights under the FCRA and the Consumer Financial Protection Act ( 12 U.S.C. 5531 et seq. ).

Requested Action : I demand that the following actions be taken immediately : Remove all inaccurate, unverifiable, and negative information related to the disputed accounts. 
Provide me with a corrected credit report reflecting these changes. 
Provide written confirmation that the disputed accounts have been deleted or modified. 
Include a detailed explanation if any items are not removed, along with the method and sources used to verify the information. 
Per the FCRA, you have XXXX  days to complete this reinvestigation. If these items can not be verified as accurate and complete, they must be deleted from my credit file immediately. 

Please respond to this dispute in writing at the address listed above. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Late Payment Inquiries on Credit Report for Account : COMENITYBANK/VICTORIA, XXXX Dear Comenity Bank Representative, I am reaching out to address a matter of significant concern regarding inaccuracies on my credit report, specifically relating to late payment inquiries associated with my account : COMENITYBANK/VICTORIA, XXXX. These inaccuracies do not accurately reflect my credit history and have unjustly impacted my credit score. I am compelled to request their immediate rectification in accordance with federal regulations.

Upon reviewing my credit report, I identified late payment inquiries for this account that are erroneously reported. These inaccuracies stem from a billing error because my payments were never late. Consequently, I urge you to expeditiously remove these inaccuracies from my credit report to rectify the harm inflicted on my financial reputation.

The Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., empowers consumers to dispute any inaccuracies on their credit reports. Under the FCRA, both credit reporting agencies ( CRAs ) and furnishers of information, such as your entity, are mandated to ensure the accuracy and completeness of all reported information ( 15 U.S.C. 1681e ( b ) ). Moreover, the FCRA obligates CRAs and information furnishers to conduct a thorough investigation of disputes and to delete or correct any inaccuracies within a reasonable timeframe, not exceeding 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ). Non-compliance with these provisions may result in liability for damages, including attorney 's fees ( 15 U.S.C. 1681n ).

Additionally, the FCRA prohibits the reporting of outdated information. Specifically, it mandates the removal of any adverse information, including late payments, that predates the seven-year threshold, measured from the date of the initial delinquency ( 15 U.S.C. 1681c ( a ) ( 5 ) ).

In light of the above, I formally request the immediate removal of the disputed late payment inquiries for the above-referenced account from my credit report. I also expect written confirmation of this removal within 10 days of your receipt of this letter. Failure to address this dispute promptly will compel me to take further action, including but not limited to, monitoring my credit report closely and seeking legal remedies as afforded by the FCRA. 

I appreciate your prompt attention to this matter and expect your cooperation in resolving this dispute in a manner that upholds the integrity of my credit report and complies with the FCRA. 

Sincerely, XXXX XXXX XXXX Statutes Cited : 15 U.S.C. 1681 et seq. ( Fair Credit Reporting Act ) 15 U.S.C. 1681e ( b ) ( Duty of furnishers of information to ensure accuracy and completeness ) 15 U.S.C. 1681i ( a ) ( 1 ) ( Procedure in case of disputed accuracy ) 15 U.S.C. 1681n ( Civil liability for willful noncompliance ) 15 U.S.C. 1681c ( a ) ( 5 ) ( Requirements relating to information contained in consumer reports )
Product: Debt collection

Received a letter in the mail on XX/XX/2021 from XXXX XXXX XXXX XXXX claiming that Paypal has sent my account to collection in the amount {$9100.00}. I have once opened a Paypal credit account in my life, and my one and only Paypal account is in good standing. I have no idea how this outrageous amount of money was tied to my name. Seems like a feeble attempt to extort money out of hard working people. I do not have any collections shown on any of my credit reports, nor do I have any debts shown to Paypal on any of my credit reports.
Product: Mortgage

For at least the full year of XXXX I have been sending in additional funds to Mr. Cooper Mortgage along with my monthly mortgage payment, assuming that anything over the required payment would be applied as Additional Principal. 
While reviewing my monthly billing statements for the past several months, I have been listed as being at least XXXX ( XXXX ) month ahead on my payments. 
I realize that this tactic has been financially advantageous to Mr. Cooper and detrimental towards my ultimate goal of finally achieving a completely satisfied home loan. 
I have never been late making any payments. 
Your assistance in resolving this matter will be greatly appreciated.
Product: Debt collection

Transworld systems , inc. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Sent me a letter dated XX/XX/2024 stating they are collecting {$32.00} on behalf of the department of veterans affairs. The collections notice is sketchy and I not only pay all VA bills received I typically over pay, like in the case of copays that I know will have additional charges in the coming weeks. They state the original amount is {$25.00}. I have never received a bill in the amount of {$25.00} and this notice and the account number provided is not one I have seen on any of my VA bills. I just went through past VA bills to match the account number they provided and it does not match anything on my official bills from the VA. Given how sketchy this appears I am not comfortable contacting this company by phone, email, or postal mail.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX Account Name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX XXXXXXXX Account Name : US DEPT OF EDXXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Item # Reason for Deletion Chapter XXXX XXXX My name is XXXX XXXX, and I am writing you because an entry appears of my credit report which states that I filed bankruptcy. Could you please explain to me how this might occur? From my understanding only the last four digits of an debtors social security number are released to third parties, pursuant to the Federal Rules of Bankruptcy Procedure. However it shows that my social is listed with these third parties on a Bankruptcy that is not mines and not my name but a name close to mines. Also, it is to my understanding from The United States Bankruptcy court for the XXXX District of Missouri that information is not provided to any credit bureaus ; therefore I do not understand how this was properly verified as accurate. Please advise on how you verified this information to have it listed on my credit report as accurate and true to be my filing. 

Chapter XXXX XXXX Same as stated above
Product: Credit reporting or other personal consumer reports

lvnv funding llc has multipple collection accounts that they are collecting on against me. they have accounts on behalf of XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXXk for XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX for XXXX XXXXXXXX XXXX XXXX XXXX for XXXX i have sent several letters asking for validation of debt that i have never recieved i have recieved phone calls and asked them to stop calling me until they can show proof of debt and they continue to call me several times a day i asked to show validation that teh accounts were sent to them for collections they have not they are stating that these are all charge off debts however i have not recieved any 1099 c showing that the debt was charged off and they can not provide such informaton to me however they ar ruining my credit without being able to validtae a debt or thet they have the authority to report on my credit or that i have ever had a contract with them to pay anything they have also threatened to sue me
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Immediate Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to notify you regarding a {$0.00} charge-off account with XXXX XXXX  that was disputed on my XXXX credit report. The dispute investigation was completed on XX/XX/year>, and XXXX has confirmed that the account was deleted from my XXXX credit file. 

Since the account was deleted from XXXX due to its unverifiability, I am requesting that your credit reporting agency also remove this same account from my credit file, as the account is now considered unverifiable. Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to report only accurate, complete, and verifiable information. If an account is found to be unverifiable, as in this case, it must be deleted from my credit report. 

Legal Rights : FCRA Section 1681i : Under the FCRA, when a consumer disputes an item on their credit report, you must investigate the dispute and ensure the information is accurate and complete. If the account can not be verified, it must be deleted. Since XXXX has already deleted the account, your agency is required to do the same. 

FCRA Section 1681e ( b ) : This section of the FCRA mandates that you maintain procedures to ensure the accuracy of the information you report. If the account is unverifiable, it must be removed from my credit report within 30 days of receiving notice. 

Right to Sue : If this account is not removed within 30 days from the date of this letter, I reserve the right to pursue legal action under the FCRA. I may file a lawsuit for violations, which could include seeking actual damages, punitive damages, and attorney fees. 

As per my rights under the FCRA, I expect that the unverifiable account be removed from my credit report within 30 days of receiving this letter. Please provide written confirmation of the deletion of this account or explain why the account has not been deleted in accordance with the law. 

Failure to comply with the FCRA will compel me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action to enforce my rights. 

Thank you for your prompt attention to this matter. I will be monitoring my credit reports for compliance and expect a resolution within the legally required timeframe.
Product: Mortgage

My issue is with Wells Fargo they held my mortgage and already foreclosed and sold my home in XXXX  in auction the bank was extremely aggressive we had loss our income and the housing market was not helping our situation at the time when I purchased the home I had almost owned half the home and when I was being pushed out it was only worth what Wells Fargo wanted they wouldnt restructure and basically put me and my family on the street. I was hoping the class action suit they lost there was something for our family.
Product: Credit reporting or other personal consumer reports

I got an alert from Transunion that XXXX did a hard inquiry on my credit report. I contacted transunion and they confirmed this. I contacted XXXX to advise I did not request a new card or increase in credit. They closed the account and sent me a new card. They also provided a letter stating they requested the inquiry to be deleted. Transunion still has the inquiry on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account from REGIONAL XXXX XXXX # XXXX. Someone was using my name to apply for credit/loan. I filed a police report due to my information being compromised.
Product: Credit reporting or other personal consumer reports

An Hard Inquiry was reported by my XXXX XXXX XXXXhat NORDSTROMTDBANKUSA accessed my credit information from XXXX on XX/XX/ without my authorisation. 

Location of the NORDSTROMTDBANKUSA is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never had any thing to do with the above agency and and this is defiantly a fraud.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Equifax need to remove late payment from XXXX XX/XX/23 XX/XX/23 15 U.S. Code 1666b
Product: Debt collection

XXXX XXXX XXXX # : XXXX {$440.00} XXXX XXXX XXXX XXXX : XXXX {$390.00} Prestige Fin- Inquiry Armed FRCS- Inquiry CPS-Inquiry Nature of Dispute : I don't recognize none of these accounts and they're hurting my credit score. Please remove!

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to dispute any inaccuracies on my credit report, and you are legally required to investigate and resolve my dispute in a timely manner. The law mandates that you investigate my claim within 30 days of receiving this dispute and correct any errors that may be found. 

I request that you please conduct a full investigation into this matter and update or remove the inaccurate information from my credit report. I also ask that you provide me with the results of your investigation in writing, including any actions taken. Please review this evidence and amend my credit report accordingly. If necessary, I can also provide additional documentation to assist with your investigation. Thank you for your prompt attention to this matter. I expect to receive a response within the statutory time frame of 30 days. 

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

On or about XX/XX/XXXX, the US Department of Education reported that Between XX/XX/XXXX and XX/XX/XXXX my Student Loan account balance increased by {$5300.00} from {$770.00} to {$6100.00}. This caused my score to drop with XXXX XXXX points, Equifax XXXX points and XXXX XXXX points. The account should report the original balance on XX/XX/XXXX was for {$740.00}. At 3.4 % interest ( currently frozen to 0 % for XXXX XXXX administrative forbearance and no payments to date, the current balance shows {$770.00}. This is not only blatantly false but it has happened before but it has been impossible to track. XXXX, XXXX and Equifax refuse to explain, verify or rectify despite repeated calls and letters.