23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was XXXX years old, right out of high school, I wanted to be XXXX and decided to try the XXXX field. Texas XXXX XXXX was about half a mile away, I went in to check it out. They sold me the world, told me how much money I could make if I signed up, they said I would travel the world and could make salaries from XXXX p/y. I was very confident, they failed to mention that average XXXX make XXXX $ XXXX $ p/h first few years. With XXXX in possible debt, they should have mentioned that. I 've struggled ever since, was the worst decision I ever made. Now I owe the student loan finance cooperation around XXXX in debt and its growing I 'm sure. I refuse to pay because I ca n't use the college credits I achieved in any other college, not even XXXX colleges accept them now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX XXXX Bank, account # XXXX XXXX XXXX Bank, has violated my rights. 

15 U.S.C. 1681section 602 A states i have the right to privacy.

15 U.SC. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a dispute letter to XXXX. The United States Postal Service provided a delivery date of XX/XX/2020. As of XX/XX/2020, XXXX  failed to respond to my dispute letter. In response to their failure to respond within the 45 days allotted due to COVID, I sent a letter requesting deletion of the disputed accounts. XXXX  's failure to investigate my dispute within the appropriate timeframe is a violation of my rights as a consumer under the Fair Credit Reporting Act. As such, I am requesting CFPB conduct an investigation of this matter. In response to my request sent to XXXX  on XXXX, the credit bureau failed to delete the accounts as requested and instead attempted to perform the initial investigation requested on XX/XX/XXXX. This is a violation of my rights, as the timeframe by which an initial investigation should have been conducted had long expired. XXXX  mailed correspondence on XX/XX/2020 and only one of the accounts had been deleted. The remaining accounted was listed as updated. This again violates my consumer rights. The account was not investigated within the timeframe allowed by law. XXXX engaged in unethical practices by labeling the XXXX correspondence as a reinvestigation. This implies the original investigation had been completed and indeed it had not been completed. The XX/XX/XXXX correspondence was the first and only correspondence I received in regard to the XX/XX/XXXX dispute letter. I am requesting an investigation and the remaining account deleted from my credit report as requested due to the violations by XXXX.
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 U.S.C. 1681 15 U.S.C. section 602 A thanks I have right to privacy.

15 U S.C1681 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 or adverse items of information other than records of conviction of crimes which antidates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) a person should 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. 
Equifax 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  and TransUnion multiple times since XX/XX/2019. I have opened disputes and they have not correctly resolved the issue and my credit score is negatively affected. My XXXX XXXX account is listed as post due for the month of XX/XX/2019. XXXX refunded late fees and interest to my account so that the balance was {$0.00}. XXXX  and TransUnion will not change the status from Past Due to current even though I have provided statements showing the refunded fees. XXXX said the account is up to date in their system and not past due for XX/XX/2019. Their recommendation was to dispute with the agencies which I have done multiple times. I dont understand why XXXX  updated the report and the others refuse. My credit score dropped significantly because of this. So much so I was advised against putting an offer on a house until it was resolved and now the house is no longer on the market!
Product: Money transfer, virtual currency, or money service

Good afternoon I am the owner and manager of XXXX XXXX My company sent fund to XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ), Via XXXX XXXX XXXX, XXXX payment for the contract - in the amount of USD XXXX XXXX XXXX Correspondent bank of THE BANK OF NEW YORK MELLON. Information about payments in the annexes to this letter. Payment have not been received by the recipient. As far as I know, all payment is blocked. I ask you to help me set the details and the date of blocking payments. I contacted THE BANK OF NEW YORK MELLON by phone, but they refused to provide me with any information about the details and the date of blocking payments. 
Sincerely yours, General Director of XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of a collection account listed on my TransUnion credit report. The account is reported by XXXX XXXX XXXX under reference number XXXX, amounting to {$1400.00}, and reported on XX/XX/2024. I dispute this account because I have no contractual agreement with XXXX XXXX XXXX, nor have I received any verification of the debt or assignment transfer contract that legally authorizes them to collect this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of this debt. Despite this, no validation has been provided, and XXXX XXXX XXXX has failed to produce documentation establishing its legal authority to collect on this alleged debt. Additionally, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, it is unlawful to report inaccurate or unverified information on my credit report. The absence of a signed contract, valid assignment, or verification confirms that this collection account is both inaccurate and unverifiable. I request that TransUnion immediately delete this collection account from my credit report due to its inaccurate and unverifiable nature. If TransUnion chooses to maintain this account on my report, please provide me with copies of all documents used to verify the account 's accuracy, including any contracts or agreements bearing my signature and proof of the assignment or transfer of the debt to XXXX XXXX XXXX. Please note that under the FCRA, you are required to conduct a reasonable reinvestigation of my dispute and provide a response within 30 days. Failure to comply with federal regulations may result in me taking further action to protect my rights. I trust that TransUnion will handle this matter promptly and in accordance with all applicable laws. Please confirm that this account has been removed from my credit report or provide the requested documentation verifying its accuracy. Thank you for your immediate attention to this matter.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

MEDICAL DATA SYSTEMS I XXXX Balance {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX ( originator XXXX ) Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX. XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX ( originator XXXX 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. Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Credit reporting or other personal consumer reports

Ive identified several mistakes on my credit report tied to certain accounts, and these errors are hurting my credit score.
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX 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 if 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

XXXX  and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX  XXXX   XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts.
Product: Credit card

I received a past due credit card notice on XXXX/XXXX/XXXX from Chase Bank. 
I went to the account online and found the following information : Please take action : Bring your account up to date with a payment of {$610.00} on your credit card ending in XXXX by XX/XX/year>. Your card is : Overdue ( XX/XX/year> ) Suspended ( XX/XX/year> ) Scheduled for closure ( XX/XX/year> ) Projected dates and timelines ( but not payment due date ) are subject to change. 

The account showed a balance due of {$5700.00} and several late payment charges. 
Prior to the email received XX/XX/year> I had received a ) no emails from Chase Bank regarding this account, b ) no statements regarding this account, and c ) no past due notices regarding this account. Chase Bank reported this to credit agencies resulting in a significant drop in my FICO score ( typically around XXXX ). 

I immediately processed an online payment for the full amount and requested that Chase Bank reverse all past due charges and recall the past due notices to the credit agencies. A review of the account shows regular automatic payments of the full balance until a couple of months ago. I discovered that the automatic payment of the full balance was turned off, which I did not do. I turned it back on. 

My entire working life I have been a financially responsible individual, with XXXX scores in the high XXXX. My credit reports show low use of credit, all accounts ( except this one ) current, few credit accounts, and long term responsible use of credit.
Product: Checking or savings account

XX/XX/2019 - I went to Investors Bank  located in XXXX, New Jersey at XXXX XXXX   to cash a bank Certified Cashiers Check from XXXX XXXX. ( routing number XXXX ) XX/XX/2019 - I went to Investors Bank located in XXXX, New Jersey at XXXX XXXX to make a withdraw from my savings account and I was told by the bank teller that I had a bounced check for {$2500.00} and a {$15.00} service fee for the bounced check. I was told by the bank teller that the reason for the bounced check from XXXX XXXX  was forged. 

XX/XX/2019 - I was told by the branch manager of Investors Bank that they could not do anything for me and that they were not liable. However, Investors Bank was responsible for depositing the check. Investors Bank in XXXX said that I should file a police report. 

XX/XX/2019 - A police report was filled with XXXX Police Department. Investigation pending. 

XX/XX/2019 - Investors Bank located in XXXX gave me a copy of the forged check and told me that XXXX XXXX has to file a forged endorsement claim. 

XX/XX/2019 - XXXX XXXX  branch office in XXXX Pennsylvania said that it is Investors Bank responsibility to fill out the forged endorsement claim. 

XX/XX/2019 - After my previous claim # XXXX XXXX bank said they are not responsible. Investors Bank said they are not responsible, XXXX XXXX  said they are not responsible. Neither one of these banks has stepped up to help me out. I could call Investors again and they are gon na blame XXXX XXXX. 

WHO IS RESPONSIBLE?
Product: Money transfer, virtual currency, or money service

XXXX XXXX at citi bank location in XXXX ca bank location XXXX. The address is XXXX XXXX XXXX XXXX Ca XXXX. She was very rude and I feel like that she was racially profiling and discriminating to me I would like for her not to be a teller. She should be working in the back because she doesnt know how to do customer service skills.
Product: Credit card or prepaid card

Our credit card was used for fraud charges through XXXX from the end of XXXX through XXXX.We started out as disputing the charges with discover card then we were told by discover that we had to go through the fraud department. My husband had an account through XXXX, where he did sports betting a few times, but that was it. My husband 's discover card and his XXXX XXXX card got compromised through his XXXX account and our discover card got charged over {$5800.00}. We tried to call XXXX with no response so we continued working with discover. We started the disputes in the beginning of XXXX for all of the charges from XXXX to then be told that we had to go through the fraud department. We filed through the fraud department in XXXX after 2 months of this going on with discover. We were told we had to go through XXXX. We were told it was not fraud the end of XXXX because my husband had an account with XXXX. Why do we have 24 hour protection? Just because someone has an account doesn't mean someone can't hack into your credit card. We continued disputing with discover for over a month going back and forth and being told it was not fraud but they were going to continue to investigate. At the beginning of XXXX we called for the 5th time in over a month to discover and were told that they did not investigate all of the {$5800.00} that they were told to investigate and they were going to look into it more. They put a hold ion our account for the transactions and did not make us pay anything after being on the phone with them for 3 hours. They told us we had a credit for XXXX and something they were putting on our account for some of the XXXX charges from the billing department, to later be told the middle of XXXX that it once again wasn't fraud because my husband had an account. The billing department said they found a lot of the charges in our favor and said that XXXX did not answer a lot of the disputes and this was why. It all came from the same account that my husband had through XXXX where he was hacked. Shouldn't all of the charges be forgiven then? We have called 3 times after this and have not paid our payment that was due XX/XX/XXXX and we are not paying anything until this is resolved. There are still {$1900.00} charges that are fraud on our discover credit card that discover is refusing to do anything about and is telling us we need new evidence to open up the case again and have to go through XXXX. I'm tired of dealing with this because it has been ongoing since XXXX and discover has not been any help. We are supposed to have 24 hour fraud protection and just because someone has an account doesn't mean they can't get hacked ; it happens everywhere all the time. If you could be of any help it would be greatly appreciated. After this mess is over with we are cancelling our discover card because of the way we were treated and we will not recommend them to any one again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to Experian many times to get this matter resolved. I have attached many copies to prove, I have made police reports in which it states I have been a victim of identity theft. They refuse to remove this account from my credit. This is a direct violation of my rights and I will be suing any party who refuses to help. This is my last attempt. Please review attached. The merchant is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but Experian is involved as well.
Product: Checking or savings account

Today, I withdrew money from my account ( XXXX ). Then I went to another location to withdraw but it was declined. Called bank and they told me that everything was fine and no holds on my account. After I hung up with bank and tried ATM again- I got suspicious activity notification and my account was locked. Called bank back and was asked about when did I buy my new cellphone, was I personally at the Texas location buying it, why am I taking out so many atm transactions, what am I using the money to buy, and why did I have so many address/email/phone number updates? I informed the bank representative that I had explained the updates to the bank when I initially did them, and that my other XXXX had been deliberately hacked. I also explained that I dont have to tell them what I am doing with my money but assured them that it was all legal transactions. Then I stated that I believe that they are trying to create a false fraud report to close my account or ask me illegal questions for a third party or other purposes outside of banking. She said that all her questions were necessary to unlock my account and required by the bank. She is a liar. They say that they dont need travel notification, but use my travel as a way to lock my account. When my phone was hacked ( while in XXXX ) and I could not access the email/number on file to recover my account- they locked my account after stating that they would not. Which stopped me from even using my debit card to make airline ticket. They repeatedly ask me about purchases and question me about what and why I need my money for. They are definitely sharing my information with a third party ( parties ) and feel that they dont have to answer for violating my rights, continuously. I have been banking with USAA for over twenty years and they didnt start this unethical stuff until after I received my SSI/100 % VAdisability/Police retirement benefits.and tried to travel to XXXX to XXXX  They are deliberately trying to create a false narrative to bring me financial hardship. Not to mention how they definitely try to block my travel with suspicious timed declines and blocked account access.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX XXXX XXXX  is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 if the person know or has reasonable cause to believe that the information is inaccurate. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates