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

On XX/XX/XXXX, a disputed apartment rental account for {$740.00} was resolved in my favor as the apartment management company could not prove that the amount they stated I owed for carpet repair was true and correct. I was also charged a rental late fee at time of move out. This was a final payment, not a regular rent payment which I had to mail and did so the last day that the apartment was in my name in XX/XX/XXXX. I moved out XXXX XX/XX/XXXX and they acknowledged receiving payment on XXXX XX/XX/XXXX. I had to mail this payment as I am military member and was on PCS orders at that time and was not in the local area. I eventually paid the {$95.00} balance on account to avoid affecting my security clearance although I still dispute that amount as well. My credit report and rental record still erroneously reflect the full balance of the {$740.00} as a collection account. The account balance is wrong and I paid what was owed which was {$95.00}. Transworld needs to update the original amount owed on my credit report to {$95.00} as that what was actually owed. The {$740.00} original balance was erroneous, wrong, and incorrect as it was disputed and acknowledged as such.
Product: Vehicle loan or lease

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX, Wisconsin submitted two completed credit applications to Chase Bank on my behalf in the amounts of {$98000.00} and {$68000.00}. After accepting all the information necessary to determine creditworthiness, Chase Bank declined to transfer the free credit balances from the broker to finance my retail purchase from XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I sent letters to contest the denial of which Chase Bank has not responded. I believe these denials violate 1002.6 of the Equal Credit Opportunity Act, which pertains to the rules concerning the evaluation of applications. 
According to 1002.6 ( a ), a creditor may consider any information obtained in evaluating an application, provided that this information is not used to discriminate against an applicant on a prohibited basis. The legislative history of the Act emphasizes the importance of an effects test. This concept, established by the Supreme Court in landmark cases such as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, underscores the need for fair and unbiased credit evaluations. 
Chase Bank specifically states that my credit history was used in their decision to decline credit, as quoted on both denial letters they sent to me : Or credit decision was based in whole or in part on the information obtained in a report from the consumer reporting agency listed below [ XXXX ] ... we obtained your credit score from the consumer reporting agency listed on the first page of this letter and used it in making our credit decision. 
Part 1002.6 of the Act continues : ( b ) Specific rules concerning use of information. 
( 1 ) Except as provided in the Act and this part, a creditor shall not take a prohibited basis into account in any system of evaluating the creditworthiness of applicants.

6 ) Credit history. To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider : ( i ) The credit history, when available, of accounts designated as accounts that the applicant and the applicant 's spouse are permitted to use or for which both are contractually liable ; ( ii ) On the applicant 's request, any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness; and ( iii ) On the applicant 's request, the credit history, when available, of any account reported in the name of the applicant 's spouse or former spouse that the applicant can demonstrate accurately reflects the applicant 's creditworthiness. 
The law allows for Chase Bank to use my credit history to determine creditworthiness, but it prohibits discrimination. Therefore, denial of credit due to information obtained from my credit report is prohibited by law and a violation of my rights to equal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Social Security number : XXXX Date of birth : { XX/XX/XXXX } Equifax XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear Equifax, Please provide evidence the following accounts belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. 

XXXX XXXX XXXX Accounts # XXXX # XXXX # XXXX # XXXX My report or confirmation number ( XXXX ). 


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

Accounts : XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX Account # XXXX SXXXX : Account # XXXX XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act by both physical mail and online disputes along with providing them with documentation to support my claim. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on about this topic. 

The credit bureaus have no respect for the laws or its consumers. 

Someone needs to hold them accountable for this.
Product: Student loan

Deptartment of Education/NELNET is reporting XXXX accounts 120 + days past due which is incorrect. My loans was originally in deferment while I was in school once I stopped going to school my loans was in forebearance which means no payments was due. NELET has been contacted several times and the last representative I spoke with looked over my account and agreed that I should not have any late payments reporting that it looked like the person who originally did my forbearance made a mistake, she gave me the information that I needed to dispute the accounts which I did and I have not heard anyhting back from NELNET. NELNET was also sent a certified validation letter which they have not responded to. If this false informoration is not updated or deleted I will see legal council and begin a civil suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I traded a XXXX XXXX XXXX for a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX CT. The dealership fail to send pay out payment. Do to this my credit reflect a 30 late payment. which is inaccurate since I was no longer responsible for the loan.
Product: Checking or savings account

USAA Federal Savings Bank ( USAA FSB ) closed all of my accounts in XX/XX/2018 without informing me of the reason. I attempted to determine the cause of the closure and all the USAA FSB representatives I spoke with refused to give me any details. The closure had two primary impacts. First, I was forced to move ( after 20 years with USAA FSB ) all of my accounts to another financial institution. This consumed considerable time and expense as I had my personal checking and savings accounts, checking and savings accounts for the care of my XXXX mother, and my daughters college savings account with USAA FSB. Direct deposits, bill payments, automatic transfers, etc. all had to be reconfigured. 

Second, USAA FSB also revoked my online access to usaa.com, which then impacted my USAA provided insurance service as I'm no longer able to access those insurance accounts online. Given almost all communications are done electronically through the usaa.com website there is now a constant problem accessing insurance information. For example, my auto insurance information was provided through the USAA mobile app, as is emergency service information, which I now can not access because USAA FSB shut down my account. 

Despite numerous attempts to communicate with USAA to attempt to understand why this happened, let alone petition to have them re-estabish my accounts or at least online access to insurance products, I've failed to receive any explanation.
Product: Checking or savings account

I have a credit karma money checking account, where my cellphone company XXXX by XXXX, took money out of my account by the amount of {$250.00} since XX/XX/2024, that they wasnt supposed to, when i called XXXX i told them why you guys taking money out of my account while its not even my due date yet, they told me that it was a system error they were sorry about it, that they will refund my account that it can take up to XXXX business days for the money to be back in my account, i waited a month i never received the money, i be calling both parties back in forth to know whats going on. What happened is, XXXX sent the refund, when i called credit karma customer service the agent told me that she does see that that they refund my debit card, but its the old one, the debit card is inactive, what happened is while in the process waiting for the refund, for some reason they canceled the debit card, and sent me a new one, she told me i have two options, its either i have XXXX resend the refund or make a dispute, i called XXXX they told me that they already sent the refund they do not have options to resend to other card, since its already refunded my bank needs to work that out, i told the lady that, she told me that she will transfer me to the dispute department to make the dispute, now i have the dispute department on the line, the guy is telling me completely different stories, telling that he doesnt see the transaction this and that, they even declined my dispute. In XXXX i went to a XXXX store i had them pulled up my account and have them give me receipt that they refund the account for the exact amount of {$250.00} on the card ending in XXXX. XX/XX/2024, i called credit karma customer service again explain the situation to the agent, the guy pulled up my account he told me the same thing, that he see the refund but the card they sent it to is the old card it needs to be changed, or make a dispute, here i am with dispute department, telling me different stories again acting like they dont see my refund, ive sent the receipt to them that XXXX gave me at the store, still nothing. Now i realize that they stealing my money and refuse to do what it takes to work that out, they keep lying and lying, till this day i still havent got my money back.
Product: Credit card

I live in the state of VA and was unexpectedly hit with personal property taxes and only had 3 weeks to pay by the time I received the notice by mail. I was not prepared for this as I have not lived here in over 10 years. In order to resolve that issue some bills where not paid on time .. which would include the credit card for which I have the complaint with. My account is up to date and even though my payment was late it was not 30-60 days past due which is what they reported on my credit which had a very significant impact and I am currently trying to improve my credit in order to be able to buy a home. When I called them to discuss this and requested that they show me a courtesy of removing the delinquency from my credit as my account was paid and is up to date and this was the only instance for which I was late, as I always pay before my due date. I was told that they can not remove the delinquency from my report as they have no way of reversing the report they submit to the credit bureaus. I informed them that I have spoke with the credit bureaus and know that they can electronically respond to my dispute I made with them the previous day and the credit bureau stated once they receive that response it will up date immediately so if I need it removed soon to contact the company directly. So again the agent continues to repeat annoyingly over and over we can not change what we submitted unless we made the error. They proceeded to tell me if I had a dispute I would have to file it with them personally in writing and mail it to their dispute center and wait for them to review and make a decision which will take 30-60 days maybe up to 90 days. I kept explaining that their negative report affected me within a minute of them reporting it and can just as easily reverse it, if they would be willing to extend me that courtesy, however, they would not. I asked for another supervisor as the one I was talking to kept talking over me and saying the same thing over and over, she then placed me on hold for 15 minutes when another woman came on the line I explained the situation yet again. She stated well since you admitted to being a little late there was no error on our part, I said a little late is not 30-60 days delinquent but irregardless I was simply asking for a one time courtesy since I have never had a late payment ever and as a matter of fact they were always paid early. She agreed that this has never happened before on my account but still continued telling me that I would now need to submit my complaint in writing and mail it to them, even after I told her that I filed a dispute with the credit reporting agency and all they need to do is respond. When I mentioned I was filing a complaint with CFPB she then stated now I have to transfer you to the president line and immediately did so, and where I got a voicemail asking me to leave a name and number and a brief description of the issue. I only have 2 weeks before I loose the opportunity to refinance my vehicle from 12.99 % to 1 % and they are the only thing holding that up and the smallest account I have and giving me the biggest issue.
Product: Student loan

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX-affiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX The 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 90 % 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 70,000 students across campuses in 26 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.
Product: Credit reporting or other personal consumer reports

Product or service : credit reporting Issue : improper use of credit report Type of issue : unrecognized inquiries Remove all non account holding inquiries I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( XXXX XXXX XXXX  ) permission to furnish this incorrect information onto my credit report. 
This is a violation of the Credit Reporting Act of Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
The inquiry was not authorized ( XXXX XXXX XXXX ). Date of inquiry : XXXX XXXX 2025 Please remove it from my credit report
Product: Debt collection

The account has been charged off but Im still getting charged about $ XXXX   monthly in interest I assume.
Product: Credit reporting or other personal consumer reports

Please investigate the pattern of unethical practices with Transunion and XXXXXXXX XXXX investigative processes. Both of these companies have initiated intimidation practices to prevent consumers from exercising their rights under the Fair Credit Reporting Act. In response to consumers ' requesting investigation of inaccurate information on credit reports, Transunion and XXXX are blocking consumers ' credit reports and restricting consumers ' access to view their credit reports and/or investigative results. In addition, creating obstacles when consumers ' realize the report is blocked and request that it be unblocked by advising consumers ' they need to print a physical copy of their driver 's license and social security card, go to the post office, spend their own money and mail their sensitive information to the credit agency in order to have access to their own credit reports. Asking these agencies to comply with the Fair Credit Reporting Act and investigate inaccurate information appears to result in illegal, punitive action to scare consumers into not disputing inaccurate information found on Transunion and XXXX credit reports. The Fair Credit Reporting Act ( FCRA ) is the primary federal law that regulates credit bureaus and protects consumers credit information. Under the Economic Growth, Regulatory Relief, and Consumer Protection Act ( XXXX  ), credit bureaus can not lock or freeze your credit report without your consent. This law mandates that : 1. Consumers have the right to freeze and unfreeze their credit reports for free at all three major credit bureaus ( XXXX, XXXX, and TransUnion ). 2. Credit bureaus can not lock or freeze a credit report without the consumers explicit request. 3. Credit freezes must be lifted upon requestwithin one hour if requested online or by phone. I did not request that Transunion block my credit report and I am demanding my report be unlocked immediately. Following a request for Transunion to investigate incorrect information on my credit report, Transunion placed a block on my credit report, preventing me or any creditors I give consent to access my credit report. I contacted Transunion on XX/XX/XXXX and requested to have my credit report unlocked and Transunion refused to do so, despite the FCRA stating this must be completed with 1 hour of the consumer 's request. In addition, these credit reporting agencies have experienced data breaches, proving they can not safely handle consumer information, therefore they should refrain from requesting that consumers ' make paper copies of driver 's license and social security card and mail it to their office. This practice needs to be investigated, as we have no idea who will have access to these physical copies of sensitive information, which employee, in which country or on which continent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ,   XXXX   XXXX  , &   XXXX   XXXX   XXXX  , all nasty companies were warned and advised to cease and desist all collection efforts pertaining to this account that they have begin reporting on my credit file. I am a victim of identity theft, my mother   XXXX   XXXX   and a number of other individuals whom she and my step father sold my personal information to opened this account in my name. This company has no signatures from myself signing this lease, and also has been told even if the docuets were true, the amount according to what they stated were incorrect, and the company or creditor that this company is collecting for committed identity theft on numerous occasions, even after I notified them that I was a victim of identity theft. This company tried to create a false billing statement in my name and attempted to file it in court. Attached is my Federal Affidavit of identity theft and this company is named as well. I requested this company discontinue trying to collect on this debt as it is a result of identity theft. They have none of my signatures verifying or validating a legal contract, and the amount is also extremely questionable. I was even told to sue when this company refused to stop trying to commit identity theft in my name. I have taken this information to the police and also the FBI at which time the company ceased for a while and nothing was heard from them. They then reappeared by placing the account in a collection agency at which time, I notifyed that company of the identity theft and that my mother committed it against me. I sent them the same federal affidavits that you have on file, and they sent a generic lease agreement with electronic signatures as opposed to my actual signature. So they conducted the identity theft via computer. My mother should have never placed my name on this lease. It is   XXXX   XXXX    's debt and not mine.