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

In XXXX, the University XXXX XXXX XXXX  failed to properly process my financial aid, which resulted in an unpaid tuition balance that I was unaware of. That balance was later sent to collections through National Credit Management without my prior knowledge or an opportunity to resolve it directly with the school. 

Once I became aware of the debt, I promptly paid it in full on XX/XX/XXXX. However, despite this, the collection account remains on my credit report and is negatively affecting my credit score. 

I contacted National Credit Management and requested that the account be deleted, not just marked as paid, due to the circumstances and the fact that I acted in good faith to resolve the issue. They have refused to do so. 

I am now disputing the accuracy and fairness of this account. Under the Fair Credit Reporting Act ( FCRA ), information that is incomplete or unfairly damaging can be disputed and removed if it can not be properly verified or if it misrepresents the consumer. Since the debt arose from an error on the part of the university, and was paid in full once discovered, I am requesting that this paid collection be deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 
XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my checking account was fraud. That day I called the US Bank Fraud department and filed the claim. The fraud that was committed amounted in {$900.00} in an instant XXXX transfer made to a " XXXX XXXX '' not from my account, due to our computer being hacked. My mom and I had linked bank accounts because of student banking. From the information that the bank has shared about this issue they had said that the XXXX transfer was not even made from my own account. The money was transferred to her account and sent through her XXXX which she also had never enrolled in. On XX/XX/XXXX my claim was denied by US bank which I did not find out until the XXXX when I had called myself. I received no letter, no email, and no phone call. I had then requested the information as to why the claim was denied and they had told me they can not give me that information and to wait for the letter. That day I refiled the same claim. I was told I would receive a letter about the first claim soon because she had sent a request for them to send it to me again. Still have yet to receive this information and it is the XXXX. Throughout trying to figure this out both companies involved which are XXXX and US bank has been impossible. XXXX bank has told me multiple times that I need to contact XXXX and file a claim with them yet every single time I have tried they tell me to go to US Bank since they handle my account. So which one is it? I had filed another cfpb claim but through XXXX. No information has been provided to me as of today.
Product: Student loan

I have been bounced all over the place, trying to get a full payment history. I need this because I am part of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I have not yet received a refund of all monies paid in. I am still expecting {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting agencies Experian, XXXX, and XXXX have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint. 

According to the Fair Credit Reporting Act, all three reports are to supposed match perfectly but all three reports have ( or do not have ) items that are not present on one another. This is a violation of my rights and demand that inaccurate items be removed across all three reporting agencies be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS THAT I COULD NOT ADD : XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX FTC ATTACHED The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking ...

The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. 


The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. 



The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ...
Product: Credit card or prepaid card

A couple of years ago I was forced to request a couple of refunds, as I couldn't load the cards onto my prepaid card. I never received the refunds. My money was simply stolen.
Product: Credit reporting or other personal consumer reports

Advanced Resolution Services , Inc. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my consumer credit report, as provided by your agency. In accordance with the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ], I request a thorough investigation into the following accounts to ensure the accuracy and completeness of the data reported about me. 

Disputed Accounts 1. XXXX XXXX XXXX  Credit Reporting Agencies Involved : XXXX, XXXX, XXXX Account Number : XXXX Issue : The account is reported with a Collection or Charge-Off status and contains inaccurate information regarding my payment history and balance owed. 
Request : I demand a full verification of this account. If the reported information can not be verified, it must be corrected or removed from my credit report as required by [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ]. 
2. XXXX XXXX XXXX Credit Reporting Agencies Involved : XXXX, XXXX, XXXX Account Number : XXXX Issue : The account is reported as Foreclosure or Repossession, but the status is inconsistent across agencies ( listed as Closed on XXXX and Open on XXXX ). 
Request : I request a reinvestigation of this accounts status and correction of any inaccuracies. Additionally, any unverified derogatory remarks should be deleted as mandated by the FCRA. 
Legal Basis for Dispute Under [ 15 U.S.C. 1681i ], consumer reporting agencies are obligated to investigate disputed information within XXXX days and provide a response with supporting documentation if the disputed information is verified. Failure to correct or remove inaccurate, incomplete, or unverifiable information constitutes a violation of federal law. 

Additionally, per [ 15 U.S.C. 1681s-2 ], furnishers of information must ensure that all credit reporting data is accurate. If the disputed accounts can not be verified with documentation from the original creditors, they must be removed from my credit file. 

Requested Action I request that Advanced Resolution Services : Conduct a full reinvestigation of the disputed accounts. 
Provide me with written verification, including documentation supporting the accuracy of these accounts. 
Correct or delete any inaccurate or unverified information from my credit report. 
Please send a written response confirming the resolution of this dispute to my mailing address above. I expect a response within the legally mandated XXXX period. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of these inaccuracies. Attached is 3 forms of identifications Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I checked my credit report and noticed inaccurate information reporting, so I wrote dispute letters to XXXX, XXXX and Equifax explaining the inaccuracies of the accounts reporting. They sent me letters stating the accounts were verified. I asked them to send me proof of them being verified or remove them because they were reporting differently between all 3 bureaus and they have failed to do so. I've been disputing for 6 months with no results, so I've decided to file this complaint. Because of the inaccurate reporting of these negative accounts, I have been denied credit and it has prevented me from moving into a new house. I would like you all to please investigate this matter. The following accounts that are reporting inaccurately on my XXXX report is : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX previous XXXX account that was removed and then reinserted later on XXXX ), XXXX, and dept of XXXX. The following accounts that are reporting inaccurately on my XXXX report are : XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inaccurate accounts reporting on my Equifax report are XXXX XXXX, XXXX ( both showing as installment accounts when they aren't ), Dept of XXXX, XXXX, and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report due to identity theft. I recently discovered fraudulent accounts and inquiries that i did not authorize or open, which have nagatively impacted my credit. The items in question includes inquiries XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XXXX XXXX, XXXX  XXXX XX/XX/XXXX. Accounts XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have highlighted and proof of my identity. I request these items be investigated and removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is alleging I owe a debt that is incorrect. XXXX XXXX did not disclose the contract is the security that is being used to fund this credit arrangement. The application XXXX XXXX submitted on my behalf only cause for collateral in the form of checks, notes, or bills of exchange per the Federal Reserve Act section 2. XXXX XXXX illegally forced me into pledge my real party as collateral for a loan I funded by submitting the application. The contract is deposited into the financial institution which is a financial asset and raises capital gain for XXXX XXXX that makes me an investor as the registered security has my name on it. XXXX XXXX knew that made me entitled to equitable interest which should have been applied to the account as required by law. XXXX XXXX has failed to compensate me for my investment and stole the property. XXXX XXXX is then selling this incorrect information to Transunion and XXXX which is preventing me from getting credit which is my right. 

2. Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, or bankers ' acceptances purchased under the provisions of said section 14, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under section 14 of this Act or any other asset of a Federal reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve agent shall each day notify the Board of Governors of the Federal Reserve System of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which he is accredited. The said Board of Governors of the Federal Reserve System may at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks.
Product: Checking or savings account

I received a postcard in the mail for my Citizens Bank One Deposit Checking account ( # XXXX ) The postcard offered a {$50.00} bonus for making three online bill payments with the new checking account between XX/XX/XXXX and XX/XX/2018. I made three such payments between XX/XX/XXXX and XX/XX/XXXX. 

Per the offer terms, that bonus was due XX/XX/XXXX. I have still not received it. I sent the company a secure message in XXXX and have still not heard back.
Product: Debt collection

For over 1 year Radius collections agency ( ( XXXX XXXX XXXX has been calling me trying to get me to pay for additional years subscriptions for Domain Names.I called the credit collection agency and the registrar of the domain names, XXXX and have asked them to stop at least 6 times.
Product: Debt collection

Called claiming to be a legal processer. Said i owed a debit for a credit card opened in XXXX of 2014. I was in middle of a seperation and did not open a credit card. The demanded payments or Said they were going to have me served by local sheriffs department. Orignial voicemail was a robot saying they had fax for me. I asked repeatedly for verification notice and they keep telling me its to late for that. They called my brother and mother today and told them they were looking for me because i was ignoring their calls after i had spoken to them mulitply times mon and tues and today. They told me they would settle debt for less if i paid now but they refuse to verify debit or company. The first time they called they said they were T H E legal processing. The second time they said they were tristar legal processing. The number they called off of is different than the number they said to call back.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the CFPB, I am filing a complaint against Toyota Motor Credit for their failure to validate a debt listed on my credit report. This debt, reported as a closed charge-off with a balance of {$4200.00}, is negatively impacting my credit. 

Account Information : Creditor : ** Toyota Motor Credit Account Number : ** XXXX Balance Owed : ** {$4200.00} Status : Closed Charge-Off with a Past Due Amount of {$4200.00} Address : XXXX XXXX XXXX, XXXX XXXX XXXX IA XXXX XXXX : ( XXXX ) XXXX Summary of Issue : On XX/XX/year>, I sent a debt validation request to Toyota Motor Credit , asking for verification of the debt and proof of my liability. To date, Toyota Motor Credit has failed to respond with any validation or documentation. This lack of response is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which mandates that they provide verification when requested. 

Requested Resolution : Due to Toyota Motor Credit 's failure to validate this debt, I request the following : 1. Immediate removal of this charge-off from my credit reports with XXXX, XXXX, and XXXX. 
2. Cessation of any future collection attempts, as no verification of this debt has been provided. 

Thank you for your assistance in addressing this matter. 
XXXX XXXX XXXX XXXX
Product: Student loan

Cornerstone Federal Loan service incorrectly reported that my student loans were late on XX/XX/XXXX. I have 3 90 day late payments. At that time they closed my account and transferred it to XXXX. I was on a deferment you can check the student publishing clearinghouse. I was able to correct this information on my XXXX report, but both XXXX and XXXX wont let me conference call with a Cornerstone representative. I 've filed 5+ online disputes with each Credit Bureau and each time the results come back that the information ca n't be changed. Please help me! I think that the online disputes are done electronically because if a live person called Cornerstone, they could verify with a representative that the information is updated on Cornerstone 's end, but not relayed to the credit bureau.
Product: Debt collection

I signed uo with XXXX & XXXX XXXX for some online real estate training and agreed to month to month payment for the training. After many months I found the training to be out of date and repetitive, with the same thing over and over again. I called and cancelled but they will not accept a cancellation, so I quit paying the monthly fees. At that I went on line to see the reviews of the company and found many people were experiencing the sale complaint at XXXX XXXX XXXX, XXXX and XXXXXXXX. Now this Collection company is an 18 % per month charge to what was a stated charge after I cancelled of {$940.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was invited to apply thru credit karma for a XXXX card offered thru XXXX XXXX with a credit karma guarantee & with outstanding approval odds, I have good credit with XXXX balances on all my credit card accounts with an excellent on time payments never late! My income is significant with a great income to debt ratio less than 10 % yet I was denied credit? For to many obligations to income??? I have had issues with XXXX XXXX in the past I believe they have me black listed for whatever reason? I also was given the credit karma guarantee which if I was denied I would be paid {$50.00} credit karma sent me an invite to open a credit karma spend account & the {$50.00} would be credited to my new account so when I responded to open the account I was told my identity could not be verified?? No sense because all my credit accounts & bank accounts are linked to credit karma! As well as my XXXX account which I have my car loan.
Product: Credit reporting or other personal consumer reports

My issue is with XXXX XXXX XXXX and NewRez. In XX/XX/XXXX, my loan was transferred from XXXX to NewRez. Each payment is due on the first of the month. XXXX accepted my payment on XX/XX/XXXX as shown in the document of my bank statements on page XXXX. According to the notification of loan transfer, a check was requested for the first payment and that was cashed on XX/XX/XXXX. According to recent correspondence from NewRez on XX/XX/XXXX, that check was also applied to XXXX when it should have been applied to XXXX. This caused a trickle down effect of appearing as though my payments were a month behind, and it was discovered when NewRez reported a missing payment in XX/XX/XXXX. 

XX/XX/XXXX check of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 

A payment was never missed. I have called NewRez multiple times and submitted many online inquiries, and they refuse to make the corrections even with proof of my bank account statements. I did not choose for my loan to be transferred, I don't understand why the proof of the XXXX payment is not enough to fix it. 

If a loan is transferred, both companies should communicate payments. This has caused me great stress and has negatively impacted my credit while there is no valid reason.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from and alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 15 U.S. Code 1681 section 602 A. States i have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. 15 U.S Code 1681 C-2 section 605 B : Block of information resulting from identity theft. This collection account need to be removed from my credit report. 

XXXX ) Account Name : XXXX XXXX XXXX XXXX original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX ) Account Name : XXXX XXXX Account # : XXXX XXXX ) Account Name : XXXX  Account # : XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX {$2200.00} # XXXX Opened XXXX, Account name : XXXX XXXX {$1300.00} # XXXX Opened XXXX, Account name : XXXX XXXX {$1700.00} # XXXX Opened XXXX, Account name : XXXX XXXX  {$1700.00} # XXXX Opened XXXX, Account name : XXXX XXXX {$380.00} # XXXX Opened XXXX, Account name : XXXX {$500.00} # XXXX opened XXXX, Account name : XXXX XXXX {$840.00} # XXXX opened XXXX, Account name : XXXX XXXX {$720.00} # XXXX opened XXXX, Account name : XXXX XXXX {$2400.00} # XXXX XXXX has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to

15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they
are suppose to 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.