23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

A late payment was applied that was due to a fault in the auto payment setup. No fault of my own.
Product: Credit card

I received a PreApproval offer from Bank of America to get a cash rewards Credit Card with them. I hesitated and later decided to accept it. I accepted the off only because I was told by them that I was PreApproved, I was then denied. I am okay with not getting the card but now I am stuck with an inquiry that 's not attached to an account. I called today asking for a letter to have it removed because I felt that it was unfair to say I was preapproved and then deny me and leave me with this hard pull. I told the XXXX different agents that I spoke with that I was not upset but only wanted to have the inquiry removed. The first agent was nice and respectful but stated she could not have it removed by law and transferred me to a very rude and disrespectful agent. I feel that this is very unfair and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a a unverified account from XXXX XXXX I have previously disputed this account. I have never done business with XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the validity of the debt and received no response twice. I also called and was told the would send paperwork and I have yet to receive anything 3 months later. I requested XXXX XXXX   Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.
Product: Credit reporting, credit repair services, 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 Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX 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.Section States : no consumer 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 card

I signed up for interest free financing for 18 months. I made all payments on time every month for the minimum payment or more, they prematurely added the {$2000.00} in interest to my approximate {$300.00} balance. Did not allow me to pay the principal, reported me as late, charged me off and in addition to having a lawyer take me to court lowered my available limit to less than  1/4th  of what I had available credit limit with all my Synchrony Bank accounts even if they were in good standing which had no late payments. This is has negatively impacted my life and ability to purchase a home for me and my  XXXX  children.
Product: Student loan

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing as a collective group of defrauded students and XXXX  who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

I attended the following institution owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : XXXX University XXXX XXXX XXXX XXXX XXXX XXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that XXXX % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans. 
3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. Thank you for your attention to this urgent matter. 


Sincerely, XXXX XXXX XXXX, XXXX
Product: Mortgage

We refinanced our home with Chase bank, the refinance included a pay off to XXXX XXXX  for existing loan. Chases Title company XXXX insisted on changing the name on title even with written email from me saying do not do that the name when bought the house is good we are only refinancing. This delayed signing the loan doc 's from Monday XX/XX/XXXX to Wednesday XX/XX/XXXX. On XX/XX/XXXX we got up early to meet with notary at XXXX am and that time came and went and no notary we finally got a text at XXXX saying the title company XXXX canceled the closing at XXXX pm set without notifying myself or wife or Chase bank! Finally at XXXX pm on the XXXX we signed all doc 's and closed, the doc 's state the closing should fund on XX/XX/XXXX and that day came and went and no funding it was funded on XX/XX/XXXX. XXXX collect a years of taxes from XXXX {$9400.00} and XXXX XXXX paid those taxes to XXXX on XX/XX/XXXX. I insisted all during the closing that Chase make sure XXXX is not going to pay the taxes and if they are Chase can not also charge me for them! I was told by Chase do not worry about this they would make sure that does not happen. It is exactly what happen as well at {$94.00} of a per diem charge for XXXX XXXX XXXX from XXXX? I have tried to get Chase and XXXX to correct this from XX/XX/XXXX and then it was easy fix just not send the taxes to county but refund me! and still to this date I have not gotten back correspondence from either party, accept 1 email from XXXX saying Chase did not fund them onetime so that is why this happened? What chase has done instead of taking responsibility and refunding my money and going after XXXX or XXXX XXXX they have made there negligence my problem? In my emails I included XXXX XXXX XXXX home lending officer and XXXX XXXX legal not even 1 reply?
Product: Debt collection

This letter is sent in response to a letter I received on XX/XX/year>. I am requesting that you provide verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
XXXX that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

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

Under 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 and the HIPPA Privacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, and 164. 

These accounts has violated my rights. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( only reported to XXXX & Experian ), XXXX XXXXXXXX ( only reported to XXXX & XXXX ) XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act these creditors have violated my rights. 

XXXX ) XXXX XXXX  account number : XXXX on XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Bank of America, closed account with no account number. XXXX XXXX & XXXX XXXX XXXX address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX account number : XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX ) XXXX ) XXXXXXXX XXXX  account number : XXXX. XX/XX/XXXX address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX account number XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX, account number. XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX account number : XXXX. XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX/DEPT OF ED, account XXXX. address : XXXX XXXX XXXX XXXX, MO XXXX XXXX - XXXX of XXXX Under 15 USC 1681 section 602 states I have the rights to privacy.

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

15 US Code 1681A definitions ; rules of construction - exclusions. -- - except as provided in a paragraph the term " consumer report '' does not include -- any report containing information sole as to transactions or experiences between the consumer and persons making the report.

Under 15 USC 1666b : a creditor may not treat a payment on the account under an open-end consumer plan that's late for any purpose. 

XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

We paid our mortgage every month on time through bill pay. They changed companies and we never got a letter so they didnt get that payment until the bank re funded it to us and we sent it in immediately. Then they charged us a late fee because they payments change in the middle of the year but never informed us on the bill. We have since paid all of the late fees when they finally decided to call us to let us know we were {$20.00} short on a bill and so they charged a ridiculous late fee. And here we are with a bad credit now because they put it on our credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

My complaint is now against YOU, the CFPB. 
You are a farce. 

I filed a complaint, the bank responded, and you promptly closed the case, simply because they responded. 
Their response was not helpful, made no attempt to pay me back, did not settle the issue at all, but you guys closed the case. 

You are completely useless. 
You are likely in bed with the defendants ( the bank ). 

Shame on you for not doing your jobs and advocating for the banks instead of the clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this because Transunion and XXXX XXXX 15usc 1681b ( a ) did not have my written consent to furnish or report anything outside the permissible purpose and they did not send any required disclosures before they reported some negative accounts XXXX XXXX and XXXX XXXX XXXX {$460.00} to my file. Futhermore, I sent the debt collector ( XXXX XXXX XXXX ) a cease and desist letter certified mail XX/XX/2022 ceasing all communication with me including my consumer report which is considered a medium ; I demanded for deletion for the accounts because them reporting anything is indirect communication. I cc Transunion and XXXX in my letters and sent certified mail on XX/XX/2022 to both agencies. They are very well aware of the cease and desist letter because it was received XXXX XXXX and they are continuing to break the law as it is a violation of my rights as a federally protected consumer. Transunion and XXXX failure to properly investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. These items are stopping me from buying a home. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX I XXXX I am trying to submit a disputes on this accounts because accounts not related to me, but Experian said accounts was verified and not accept any disputes on this accounts, supporting documents was sent to experian but they are rejected to dispute this accounts anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

No validations or error corrections
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I was victim of identity theft. A credit card was opened ( and used ) without my permission/consent and charged {$13000.00}. I have since sent both XXXX XXXX and Experian police reports stating I was a victim as well as FTC report ( XXXX ). It's since been removed from XXXX and XXXX but not Experian. They are in violation of not properly investigating the issue and reporting inaccurate/obsolete information on my credit report. Please remove the false account asap. 

XXXX # XXXX $ XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report due to identity theft, as permitted under Section 605B of the Fair Credit Reporting Act. I have recently discovered that my personal information has been used fraudulently, resulting in inaccurate entries on my credit report. Fraudulent account created due to Identity theft XXXX XXXX XXXX. *****FTC REPORT IS ATTACHED PLEASE READ FTC REPORT IN DETAIL*****
Product: Credit reporting, credit repair services, or other personal consumer reports

In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding XXXX handling of disputes, particularly in the lights of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX, numerous of times and reporting discrepancies, my financial institution, and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that XXXX has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving userss vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

I am convinced that Navient has been billing me incorrectly ever since they took over my student loans last XXXX. I have been paying my bills on time and this month I receive notice that my payments are past due to the tune of almost {$400.00}, leaving me with a balance of almost {$650.00} for the month of XXXX ( my monthly payments are always approximately {$210.00} ). When I called to find out what happened, they claim there is a glitch in the system and redirect me to another department. After a 30 minute wait, I was connected to a representative that was making excuses that made no sense, claiming they made a mistake and forgot to bill me for XXXX even though the website clearly stated that the past due was from XXXX. Moreover, they have XXXX past due amounts that were different with the same date XXXX XXXX, 2016?!?!? No matter how I tried to explain how this made no sense, he kept making the same excuse.
Product: Money transfer, virtual currency, or money service

I opened a Robinhood account ( online broker ) around XXXX of 2021. I deposited money into the Robinhood account in several steps in XXXX 2021 and now have approximately {$29000.00} in the account. 
I then tried to set up cryptocurrency trading, by uploading pictures and documents to satisfy their requirements. Robinhood 's investigation of me has somehow made them think that there is some kind of fraud concerning me and the account. Since then they have disabled my ability to trade anything, or withdraw my money. 
I have been communicating with them by email and phone, but they are extremely slow and now seem unresponsive. 
Please help to nudge them to resolve this issue.
Product: Debt collection

Please see complaint file d  X/XX/2017 . It  was sent to another collection company witha very similar name. Correction was made by phone with CFPB but it was sent again to the wrong company.   The correct name for this collection agency is :  XXXX ,  XXXX   XXXX .  XXXX   XXXX ,  XXXX , Texas.    XXXX  or  XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX , Texas.  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls/Cap One # XXXX is reporting a late in error. I have never had a late and had this account for many years, the only issue was when I tried to make a payment online and I thought it went through but I later found out it hadn't. This late isn't my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received letter in the mail from TD bank stating they could not open credit line for me. I never applied to this bank/merchant for any credit. 
I requested credit report from XXXX and it showed hard inquiry on it from this bank. It took place in XXXX and while I do have credit monitoring with XXXX- they never alerted me to this inquiry. I called TD BANK also and theu confirmed that someone did try to open account/credit line and they used my SSN number/
Product: Credit reporting or other personal consumer reports

I have sent updated personal information to experian, XXXX, equifax, about this address being reported inaccuracies like this ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. ) I have never lived at this address. Please delete this address from all Credit reports. 

XXXX ) XXXX XXXX XXXX account # XXXX XXXX ( inaccurate reporting, delete it now. ) XXXX XXXX XXXX Retailer account # XXXX XXXX ( inaccurate reporting, delete it now. ) XXXX ) XXXX XXXX account # XXXX ( never been late, delete now. ) XXXX XXXX XXXX XXXX Account # XXXX ( inaccurate reporting, delete it now. ) XXXX XXXX XXXX XXXX XXXX account # XXXX ( inaccurate reporting, delete it now. )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX {$25000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} XX/XX/XXXX XXXX  XXXX {$4000.00} XX/XX/XXXX XXXX & XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX  XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX  XXXX {$130.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The collection agency is Collins Asset Group. I was not informed of this debt until it showed up on my credit report. I was not given a notice of chance to dispute the account or the amount that its stated I owe. I have disputed with the credit agencies and collection agency and still have not been sent information about the debt and that it is mine and what is owed on it. This is reporting to my credit and it is hurting me and they are not providing me with the information needed. The original company is XXXX XXXX XXXX.