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

I am writing to formally notify XXXX XXXX, XXXX dba XXXX  that Experian, XXXX, and XXXX are reporting agencies and, under 20 U.S. Code 1232g ( FERPA ), a credit reporting agency does not fall within the categories authorized to access student education records or information without explicit written consent. As such, XXXX XXXX, XXXX dba XXXX, Experian, XXXX, and XXXX reporting agencies is prohibited from obtaining, using, or sharing any student record information without my consent. 

FERPA strictly limits access to student records to the following entities : School officials with a legitimate educational interest Government agencies conducting audits/evaluations Organizations conducting educational studies Parties complying with judicial orders/subpoenas A credit reporting agency does not meet these criteria and, therefore, can not legally access student education records without consent. Any attempt to obtain or use such records would be a violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX
Product: Student loan

XXXX exists to profit from the financial instability of students. This conflict of interest, particularly when considering they handle vast amounts of the XXXX XXXX monies, mustn't be taken lightly. It impedes social mobility. 

The Western world posits value-based sectors and companies are necessary to the framework of a free market, yet XXXXXXXX XXXX  deliberate disregard for the financial health of the individuals the company is supposed to serve calls into question its position. They would not exist if not subsidized by the Federal Government and abuse the fact the XXXXXXXX XXXX  finances, in theory, can not be untangled from those of the company due to their long-standing relationship and data structures. Such realities have benefited their bottom-line rather than the individuals forced into using their products by the XXXX. 

They referenced the entire sum of my XXXX XXXX on what creditors refer to as the " XXXX XXXX '' of a given loan. Half of that amount was the legitimate sum owed -- and yet they've failed to correct such discrepancies despite my asking. Furthermore, a representative of the XXXX  advised me that no payment was necessary for the next several months due to the CARES act, adding no accounts would go into collection if one chose to hold off on said debts. 

Most folks ' credit-based foundations are nascent when first entering college. It is highly callous to sabotage their financial future and stability by contracting with a company that cares little for those Americans taking their first steps into adulthood, provided credit scores affect one 's ability to get hired, obtain lines of credit, and virtually every other aspect or strata where social mobility is relevant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have pulled a recent credit report on my self and noticed under personal information on my credit report it is saying : This address has pertained to a business : XXXX XXXX SOUTH XXXX XXXX XXXX CO XXXX as well as FINANCE-INSUR.-REAL EST. XXXX. : XXXX XXXX XXXX XXXX XXXX, XXXX, CO, XXXX I have no connection with this information reported under my name, I have contacted one of the credit bureaus Experian to try to dispute this innacurate reporting and they informed me there is nothing they can do an no information on why it is there and where its coming from. I have not lived at any address connected to XXXX XXXX XXXXh XXXX XXXX since prior to XX/XX/2019 my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX. I have attached my credit report from experian showing my personal information, I have also uploaded my ID and proof of address for verification purposes.
Product: Credit reporting or other personal consumer reports

" As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), and with the support of an advocacy group assisting me due to XXXX XXXX debt bondage, which is recognized under the XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 and 1002. 142 ( b ) ( 7 ), 1 kindly request that you block the specified information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

EMVLP II , LLC ACCOUNT IS A FRAUDULENT ACCOUNT, THIS ACCOUNT WAS NEVER OPENED BY ME, NEVER AUTHORIZED BY ME TO BE OPENED. IN FACT I DON'T HAVE ANY CREDIT CARDS, I DON'T UTILIZE MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FAIR CREDIT REPORTING Everything has to be one hundred percent accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if there is a credit sale deficiency, it is reporting that this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. This has never or will be a loan agreement in place. Under any premises were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false and incomplete information. 

Also the reporting of the lateness on the credit report is in accurate, it states I was current then 30 days late XX/XX/2018, 90 days late XX/XX/2018 and the vehicle was reposed in XX/XX/2018. 
The date last reported is inaccurate, this is grounds for removal they also violated my rights under 15 U.S.C 1681 SECTION 602 A : states that I have the right to privacy 15 U.S.C 1681 SECTION 604 A SECTION 2 : states that a consumer reporting agency can not furnish a account without my written instructions Lastly the reinvestigation has taken more than 30 days.
Product: Credit reporting or other personal consumer reports

Greetings XX/XX/XXXX American Express closed an account insufficiently and unexpectedly ( Credit Card Act of 2009 ) without advance notice of other significant changes ( 15 U.S.C.1637 The Truth and Lending Act has clearly been violated. I was never given advance written notice of this significant change to this account being closed 45 days prior to. All payments made to this account have been reported and recorded as on time and satisfactory by American Express XXXX XXXX XXXX XXXX XXXX These payments have been accurately recorded by these agencies as on time and satisfactory payment history. American Express then wrote me a letter stating that they would re-open My Account, which they then told me that I had to reapply which caused an inquiry and a denial of my credit. American Express has falsified additional reporting as unsatisfactory late payment history, which is in accurate and clear breach of their contract by defaming my character 28 US code section 4101, section 312231.05. With intentional and reckless malice, these statements were made to third parties. As of XXXX American Express continues to report to third parties as late and unsatisfactory.
Product: Checking or savings account

Regions Bank 2023 XXXX XXXX XXXX XXXX XXXX XXXX : {$400.00} XXXX. Register at regions.comXXXX using your personal code XXXX by XX/XX/2023 XXXX. Open a new personal LifeGreen Preferred checking account between XX/XX/2023 and XX/XX/2023 XXXX. Enroll in Online Banking within 30 days of account opening 4. Make {$1000.00} or more of total deposits transactions that post within 30 days of account opening *Exclusion ( document attached ) - " When the credit is issued, new account must be open and have a positive balance '' ISSUE :- With criteria achieved above, the bonus was scheduled to deposit BY XX/XX/XXXX as stated on the Regions Offer Tracker. My checking account hit a {$0.00} balance which triggered an internal logic that rendered the bonus " Excluded '' and transitioned the account into a " soft close '' even though funds we're placed back into the account within 5 days. 

- The exclusions do not state that a {$0.00} balance also makes the offer ineligible and does not supply a definition of " positive balance ''. 

- The exclusion states " When the credit is issued '', is impossible to determine when the credit will be exactly issued due to only stating a projecting date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting

XXXX/XXXX/XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX, and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
Those address are not mine Please removed all adress ADDRESS : XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX. XXXX ACC # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I used to be a very loyal customer since XXXX, chase bank is the only bank I ve using and I referred chase bank to all my friends. I have always been a good customer, I never deposit cash into my account, never withdraw large amount cash from my account, and I made all my payments on time. I had a good experience with chase bank before XX/XX/XXXX, chase bank soundlessly closed my account even without notice me. There are lots of service require credit cards, car rentals, hotels, etc., and I dont even have another bank, as a person travel a lot, my life has been ruining by chase. 
Then I tried to called chase card service, the card service neither given me a reason nor reopen my account, I felt very upset, this action, this closure is very unprofessional and aggressive, the spirit of contract in the transaction was broken by chase for no reason. 
After that I received a letter telling me that all my credit cards, bank account and even my safe deposit box have all been closed by chase. So called the number on the letter XXXX and asked then to reactive my account or review my transaction, they rejected my opinion without even thinking about it. 

Credit card account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had gone to mail & the bank continued to let chargers go through my checking account on 2 desperate occasions. I didnt sign up for overdraft protection so the charges shouldnt have gone through but they still did.
Product: Credit card or prepaid card

I recieved a paper bill in the mail with a statement closing date of XX/XX/2021 for PayPal Credit. It says on this paper bill I can ( and have in the past multiple years ) go to the online website to make my payment. The paper invoice simply says " To receive electronic statements or make online payments visit PayPal.com '' When you go to PayPal.com a home screen comes up with " PayPal balance '' that says {$00.00} and an " add money '' button, along the left side, reading down, it says " insights '', " Money in ' " Money Out '' all around this home page nowhere does it say " PayPal '' payment options, or abilities to look at the PayPal Credit card balance, payments, history any of the information on this paper mailed statement. None of it shows on this website. I emailed after spending hours going over the " paypal.com '' site, help page, and all other forums to find out where the PayPal Credit site is for payments and viewing. It appears it is linked to Synchrony bank and you have to make payments through synchrony bank, nowhere on the home website does it give you a link that is easily accessible to synchrony bank to make payments. This very difficult and challenging experience started about 3-4 months ago and over and I have spent hours trying to find the link to make my payments. Last month I emailed them and said no link was connected and the website had an " updating '' access limited message preventing and limiting user availability to the account. I do not believe making payments to a credit card should be this challenging and present with what feels like deceptive marketing - it is not PayPal I am paying or working with it is marketed that way but held by Synchrony bank - a completely different website, provider, customer service, logo, brand ... it's very confusing to get PayPal marketing/brand invoicing website directions but really be working with Synchrony bank.
Product: Mortgage

I am or was refinancing my primary residence at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I locked my rate and submitted my loan application on XX/XX/XXXX. After constant delays and hiccups Loan Depot set a traveling notary to our house to sign and notarize documents/signatures. on XX/XX/XXXX they emailed me stating they all the documentation in underwriting with our signatures for final review ( Im a licensed XXXX year XXXX XXXX XXXX in XXXX XXXX, XXXX  and also in XXXX since XX/XX/XXXX ). On XX/XX/XXXX I received an email that we funded and would be closing the same day. After that there was no indication or communication that the Deed ( s ) were recorded. I have been checking my bank to verify my loan being paid off which usually shows up within 24 hours and saw nothing on-line on Loan Depot 's website? I have emailed every one I could get a hold of via email and telephone and I finally pulled a Closing Disclosure off their website today. My loan is still in place 1 week later with my existing lender XXXX XXXX, the XXXX XXXX XXXX XXXX that was supposed to receive the 1st installment payment out of the refinance has received now payment. Furthermore, XXXX XXXX Bank has not received any contact or payment for payment of the existing 1st Deed of Trust. We have received nothing in the mail. I have contacted every one I could at Loan Depot. They do not respond with the exception of the lending department manager yesterday called me and stated they do not have the money on hand, but the deal has closed. Im a XXXX  year XXXX XXXX XXXX and have never heard of a deal closing with no previous debt paid off, the Deed ( s ) recorded and a final HUD1 ( Closing Dispersement ). I am concerned that Loan Depot may have funded the loan and kept the money and/or misappropriated to another borrower or never funded and actually closed and my exposure of either of these scenarios is potentially have one unrecorded loan accruing interest in our names and us not knowing where the money is located in addition to our existing mortgage accruing interest at a much higher rate at the same time and our 1st installment property taxes being delinquent or being paid  twice and then trying to collect the monies?!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX  -Acct # XXXX XXXX and XX/XX/XXXX,, XXXX XX/XX/XXXX, XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of Education ( This was deferred and I was on XXXX XXXX XXXXXXXX has violated my rights. 
15-USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open-end consumer plan as late for any purpose. 


Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am starting to repair my credit to try to become an homeowner. I noticed that I have several inquires for finance companies, look like car dealerships. I have NEVER applied for any type of car loan. I have sent XXXX, XXXX and Transunion over 2 months ago and no response. This is really frustrating. Every time I reach out to the bureaus, I get someone from another country. I think my information was accessed during the breach. Can you please help me rectify the problem.
Product: Credit card or prepaid card

The credit union charges every month interest in cash point, plus the interest for the amount use on the card, then insurance which I think is unfair to the consumer, as opposed to that fee covering the pay back amount.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/year> Confirmation # XXXX XXXX is not investigating a false charge by a former landlord attempting to extort me after moving out. They falsely charged me for move out fees but the unit was cleaner than when I received it. 

I have complained about the original landlord to the CFPB and XXXX. I submitted proof in photos of the condition to XXXX and they ignored my documentation and refused to investigate the charge.
Product: Credit card

Beginning of XXXX Ive been working less than XXXX hours at my job due to slow season at work. Im not getting the hours I need to make payments for my credit cards. There was no hardships programs available and I was devastated and was telling them I couldnt make no payments due to my job. And its really affecting my credit score because I always made 100 % on my payments however my situation its been hard.