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

I attended XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX, GA, and moved to XXXX, GA within three months of starting the XXXX XXXX XXXX. When the school moved from XXXX, GA to XXXX, GA they indicated that they had misplaced all of the school documents and we needed to complete all documents and " sign only '' for our financial aid report. We were also told that the school lost its accreditation, and they were in the process of separating from the affiliate school in XXXX, TX. All students would be refunded any fees associated with any hardships they faced while trying to obtain documentation to show the Department of Education that they met the requirements for the program. This process lasted so long that we were told we had to complete our externship and for us to transfer any credits to another institution we would be charged for the entire program. They kept gaslighting us with promises of correcting the issue and everything would be taken care of. I completed the program entirely in XX/XX/XXXX, they signed another financial aid document again when I was no longer at the school. From XX/XX/XXXX to XX/XX/XXXX, I did not attend any classes at the school, and we were told that if we completed the course we had to wait until XX/XX/XXXX to officially graduate because they did not have enough students to perform a graduation ceremony. 
It wasn't until I started to register for school in XX/XX/XXXX, that I became aware of all of the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX had filed for in my name during the program ended. I traveled back to XXXX, GA to figure out what was going on they had moved from XXXX to XXXX, GA, they had changed the curriculum, and none of the financial aid faculty was at the school, one of the professors was now the Dean of the School ( which he was aware of the fraud that was going on ). I asked for documents showing where I had permitted them to apply for financial aid, how I was charged for a program when I had already completed the program, and why were documents showing where I was charged for the program when we were told back in XXXX that we would not be charged because of the separation from the school and the loss of accreditation. 
I filed a complaint with the Department of Education about the school and nothing was reported back. The school closed due to fraudulent activity, and they could not show students accreditation and no credits could be transferred to another institution due to mishandling of student information.
Product: Credit card or prepaid card

Citi XXXX XXXX XXXX I had a balance of approx {$3000.00} in XX/XX/XXXX, I paid {$2000.00}. In XX/XX/XXXX we made some large purchases ~ {$7000.00} for an upcoming trip. Before I even received my statement I paid {$7500.00}. I will admit I did not realize I had not paid the complete amount for the previous period. Then I receive the XX/XX/XXXXstatement. I am being charged for interest in items all through the next two statements!!! According to their documentation : " If you do not pay the New Balance in full by the due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing periods in a row. '' XXXX XXXX does not do this. I guess I need to read the detail in the future. I think this is criminal how they treat their customers. Everyone should know about this. It is very wrong.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : [ XXXX XXXX XXXX ] Phone : ( XXXX ) XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL [ XXXX XXXX ] Dear Sir/Madam, I am writing to request specific information regarding my closed Home Equity account, which was associated with the account number XXXX. I would appreciate it if you could provide me with the following details : The date of first delinquency on the account.

The date of last payment made on the account.

The date the account was charged off.

Please send this information to my address listed
above or to my email at [ XXXX XXXX XXXX ]. If you require any further details or documentation to process this request, please feel free to contact me at ( XXXX ) XXXX. 

I appreciate your prompt attention to this matter. Thank you for your assistance. 

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

The following items continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 right to privacy.

15 U.S. C 1681 Section 604.A Section 2 : It also states a consumer reporting agency can not fumnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX  : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$120.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$290.00} ; XXXX XXXX XXXX XXXX XXXX  : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$10000.00}.
Product: Payday loan

I took out a short loan {$670.00} to date I have paid over {$1400.00} I feel the APY of 400 is usery. I sent them a letter saying I want them to consider my loan full paid. The continue attempting ACH withdrawals causing me bank fees. i need this stopped ASAP. 
The lender is Check N Go XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX
Product: Checking or savings account

I was told a hold had to be placed on a payday loan check I deposited because the account was not with their bank and they had reason to believe the check would not be paid. The check would have a 7 day hold. I have never had any fraudulent activity on my account. I called customer service and was told that they would work to verify the check so the hold would be removed. I called the day before the hold was to be removed to see had the check been verified and they said yes. If the check was verified, I dont understand why their still holding the funds saying it wont be paid. I was told there is a system hold on the check and they cant remove it but the funds will be released on the date I was told originally. I just dont understand why a check would still be held if they verified the funds are going to be paid. It doesnt make sense.
Product: Credit reporting or other personal consumer reports

I bring to your attention the apparent compromise of my credit with your organization. It has come to my notice that, despite being accompanied by an FTC fraud report ( # XXXX ), certain items have not been removed as required. Upon reviewing my records, I observed that these inaccuracies, which are not associated with me, persistently and detrimentally impact my credit file. My commitment to thorough research and persistence compels me to address this matter, and I am determined not to be hindered by any unwillingness to comply with the law. In accordance with Section 605b of the Fair Credit Reporting Act ( FCRA ), your legal obligation is to expeditiously remove items identified as resulting from identity theft. The disputed items, namely : -- -- -- -- -- -- -EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. I am attaching the newly required FTC Report with reference # XXXX, along with my Driver 's License, Form W-2, and Proof of Billing, serving as verification of my sole address. Kindly proceed with the removal of these items from my credit report promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation because I need an explanation why two of these accounts are still being reported on my credit file - XXXX FUND Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX.. After waiting over 90 days for a response, still nothing, they have taken over 90, this is a violation and they are required to remove all the accounts. 
Per FCRA 623 ( b ) ( XXXX ) and 611 ( a ) ( XXXX ) and section 611 ( XXXX ) ( a ) of the FCRA, they are required to " promptly delete an account which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! 
Your assistance in resolving this concern as soon as possible is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to remove inaccurate credit information To whom it may concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

I also respectfully request to be provided proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to my creditors who have requested a copy of my credit report in the last 6 months. 

Please send an updated copy of my credit report to the address on file. 

Thank you for your prompt attention, time and help in this matter.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023 I am a XXXX student and I was looking for a car on XXXX market and I found this one car from this one guy name, XXXX, XXXX XXXX and he told me that I could have this car if I put it down payment on so I put the down payment for XXXX. He told me I had to pay for a tow so I had to pay XXXX for that. He kept saying that he was almost there when he was not and I kept asking for his location he kept on asking for more money he said that I had to pay him {$100.00} if I want my money back so I did because I needed my money because I am a XXXX student and I dont have that much for myself I think I paid over $ {$1000.00} and I have all the screenshots and his ID and everything I have his phone number also
Product: Credit reporting or other personal consumer reports

I requested a copy of my consumer report from chexsystems and found several negative items listed on my report that is inaccurate and have not been validated. The reported information is also being reported without my written consent to do so. I have asked for company to conduct an investigation and to delete all negative reporting items if proper copies of documentation bearing my signature pertaining to the negative items can not be giving to me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Name : XXXX
Product: Credit card or prepaid card

I contracted to make a purchase through XXXX. The purchase was made with the understanding I would have the product by a certain to which the supplier agreed to. 
Three weeks after the agreed on delivery I still did not have the product. I contacted the supplier and told them I was cancelling the order and requesting charge backs on the credit cards used. Four weeks after the date I cancelled the order XXXX XXXX  show up with the delivery. The delivery was refused, returned to the shipper and I thought the matter was settled. The bank has documentation that the order was cancelled prior to receipt of the order and documentation that it was returned to the shipper However for some reason Bank of America is refusing to acknowledge the charge back. They are claiming that the charge was valid and is due based on lies that the shipper has given them I want this charge removed
Product: Vehicle loan or lease

I am writing to formally dispute the XXXX XXXX account that I believe is a direct result of the Equifax data breach that occurred in 2017. The breach exposed sensitive personal information, including Social Security numbers and financial details, which has led to unauthorized and potentially fraudulent activity on my credit file. 

In light of the breach, I request that the CFPB assist in investigating and rectifying this issue to ensure that my credit report accurately reflects my financial history. The items in question appear to be discrepancies or errors linked to the compromised data and are adversely affecting my credit standing. 

Please find enclosed copies of my credit report highlighting the disputed items, as well as relevant documentation supporting my claim, including evidence of the Equifax breach and any correspondence related to my credit dispute. I appreciate your prompt attention to this matter and request that the necessary corrections be made to restore the integrity of my credit report.
Product: Credit reporting or other personal consumer reports

Hello im a victim of the XXXX data breach and all of my three bureaus credut information is tainted and tamper with. XXXX did correct the information but now it seems like all of the fraudulent and incorrect information has made its way back onto my report. Experian and XXXX never address or fixed the matter and this is hurting my everyday way of living. This is not only hurting me but its hurting my family. Please contact all three bureaus to address this in a timely manner and remove everything since none of this is validated and corrected
Product: Vehicle loan or lease

I tried to Contact U.S. Auto sales for my payment history so that I can show you guys receipts on how much in total I spent on the car but the number that I tried to reach has went out of service. That company was doing alleged repossessions and charging me on wrong dates when I made sure that I made my payments on time. Westlake Portfolio Management has also refused to give me my Payment History as well and all they been asking me was is when Im going to pay them for a car that I cant even get back when I tried to get my vehicle out of repossession. Mind you the car cost a total of XXXX I already spent XXXX on the vehicle and all I had left on the car was XXXX but then XXXX Auto sales had sold the car for XXXX thats just False Advertisement for both Westlake Portfolio Management and XXXX XXXX sales and I was wondering if I could get a refund for XXXX cause stuff Is just not adding up with these XXXX companies I really Appreciate you guys for the help as well CFPB I wish you guys the best always and forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been provided with several police reports dating back as early as 2019 in which I filed complaints about someone using my social security number. The account with XXXX XXXX account number XXXX is a fraud account. However, Experian has not removed this account from my credit file dispite me providing them with the police report listing this account fraud. In addition, there is a public record account reporting incorrectly on my credit bureau record with Experian case number XXXX this account is reporting under a name similar to mine spelled XXXX XXXX but, my name is NOT spelled with this spelling. However, Experian contends that because this account is being verified as mine via a social security number match verification they are refusing to remove this account although the name is not the spelling of my name Experian refuses to remove this account. The Fair credit reporting act makes it very clear these accounts has to be removed due to the name variation additionally, the account with XXXX has been included as a fruad account. Experian is in violation of the fair credit reporting act and is refusing to follow the laws governing credit reporting. Therefore, Experian is refusing to remove these accounts although, they have the proof that is required.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 


Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I am filing a compliant with the CFPB regardng Capital One 's failure to deposit my directdeposit from my employer and any other incoming deposits. capital One has called techincal issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assitance in investigating this matter to ensure my rights are upheld. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have faxed Navient over 10 times this past year requesting a copy of my promissory note that Sallie Mae first had when they sold to Navient. I have been ignored multiple times.