23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing to formally lodge a complaint regarding Springboard and their financing partner, XXXX XXXX for what I believe to be deceptive and predatory practices that have caused significant financial and emotional distress to myself and others. 

Springboard misrepresents the quality of their training programs, the outcomes of their graduates, and their ability to assist students in securing XXXX XXXX jobs post-graduation. They advertise inflated hiring rates and salaries for program alumni that are not reflective of reality. This false advertising is a blatant misrepresentation that unfairly influences students ' decision to enroll. 

XXXX XXXX, their financing partner, engages in practices that seem designed to exploit students. They fail to clearly disclose annual percentage rates ( APRs ) in their marketing materials, hide loan origination fees, and lure students into high-interest loans with misleading promises of career advancement. These tactics are unethical and, I believe, illegal. 

Additionally, the programs structure sets students up for failure. The timeline for program completion is unrealistic for many, and there is little to no support offered to help students secure employment after graduating. When students can not complete the program within the allotted time, they are charged an exorbitant {$700.00} per month to extend their enrollment. This is unfair for a program that costs about {$10000.00} or more depending on interest. 

These predatory practices prey on students ' ambitions and leave them saddled with debt for a program that does not deliver on its promises. I urge the CFPB to investigate Springboard and XXXX XXXX to ensure these deceptive and exploitative behaviors are brought to light and addressed. 

Thank you for your attention to this matter. I am happy to provide additional information or documentation as needed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX originally XXXX XXXX XXXX XXXX reported false information by writing off {$19000.00} when it was originally $ XXXX for 60 months after filing a XXXX XXXX XXXX XXXX XXXX  sold the account to Autovest LLC in which you can not contact them by phone and the address is not a real address. I have requested this be removed from my credit report but I was told it takes approximately 30 days. XXXX XXXX is the same company that originally went by the name XXXX XXXX XXXX XXXX checked my credit on XXXX XXXX without my consent. I called XXXX and spoke with someone by the name of XXXX and he stated they could not do anything about inquiries that I will have to contact the company myself. XXXX XXXX XXXX XXXX is operating under the name XXXX XXXX and phone number ( XXXX ) XXXX and address. I attempted to call the company and the phone rings then give a busy signal and the phone hangs up automatically. I have no way of fighting this on my own. XXXX XXXX XXXX XXXX is operating illegally. Please Help me. I have supporting documents for proof. I just found out after investigating further that Autovest LLC is also the same company as XXXX XXXX XXXX and XXXX XXXX XXXX so how was it sold to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my EIGHTH written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX  Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified  Accounts be Deleted Immediately. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. XXXX XXXX Open options Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX This is my final warning. I am currently working with a law firm to sue the XXXX reporting agencies and especially the consumer finance protection bureau for all your negligence in this matter! I Demand these accounts are deleted immediately or you will be hearing from my lawyers!
Product: Student loan

I'm on a income driven plan which is XXXX dollars and I make payments anyway but I'm being charged interest daily which appears on my credit report as a increase. I swear over XXXX has been added to my account. This has to be illegal. I'm trying to knock the smallest loans first but honestly daily interest is hurting me. What can be done?
Product: Mortgage

I keep sending my split payments and Newrez keeps misapplying one of the payments and as what I assume is labled " principle only ''. This is causing my account show passed due and causes a late fee to be applied. Newrez has been doing this since they took over my account back in XX/XX/year>. I have been complaining about this since XX/XX/XXXX and just about every month I have to put together my payment history showing when Newrez received my payments and showing where I believe how the payment was misapplyed. I have used my bank account info as well as the using data they provided on their website to show when I made the payments and when they received it as well as how they applied the payments. I have come to CFPB to file my current and future complaints so that the government has a record of this on going issue. I should not have to do this every month for an issue Newrez has with the way they operate.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' AdditionaXXXX Legal Support : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX # XXXX - Date Opened XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a victim of ID THEFT I NEVER AUTHORIZED ANY OF THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In this complain I would like to refer PAANL ( Protection Against Non-Payment od Obligation Act. On my most recent credit report I noticed that my credit score went down and I don't even know the reason, but after reviewed I knew. XXXX XXXX with account number XXXX reported to Credit bureaus an inaccurate delinquency, by the way this is a double violation by Credit bureaus and the furnisher. XXXX XXXX has some issues with the payment processing and that problem had hurt my ability to obtain credit and my worthiness. I called the furnisher and they told me they have nothing to do in this case, thats why I am here submitting this complain directly to the credit bureaus, this attempt is the last that I will try, the first was with the furnisher, second with the Bureaus, next time I will file a small claim in the court seeking compensation for damage. 
I demand these payment be update to on time never late.
Product: Debt collection

I received collections letter from c.tech Dated XX/XX/XXXX C.tech Collections.inc XXXX XXXX   XXXX, XXXX. XXXX, NY XXXX Creditor name XXXX XXXX Acct # XXXX Amount {$110.00} Tell # XXXX XXXX XXXX or XXXX XXXX XXXX Contact : XXXX XXXX/ collection division They said I didnt pay Dr fee from XXXX ( date of service not noted ). I had XXXX  under insurance. ( XXXX or XXXX ) I moved to California in XX/XX/XXXX. 

The bill doesnt say when but when I Talked with the acct rep and asked 1. what the bill was for?

2. and why do I see this bill 4 years later? 

She said they tried to contact me but had couldnt find my address. 

I changed my address legally, with Dmv and post office XXXX XXXX. I have a copy Of that. 

I am XXXX years old and I believe it is hard to remember I did or didnt pay. But I believe I would have paid my billS before I moved. 

At any rate they should have told me within the month, or a year, and not 4 years Later.. 

Please look in to it, I dont want to affect my credit and honestly this bill an familiar. Please look in to it and resolve Thank you XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : XXXX XXXX XXXX TransUnion and XXXX for FCRA Violations Dear CFPB, I am writing to formally file a complaint against TransUnion and Equifax for violations of the Fair Credit Reporting Act ( XXXX ) under XXXX XXXX Code XXXX and other relevant sections. Despite my repeated efforts to ensure the accuracy of my credit report, both agencies have failed to adhere to the standards set forth by the FCRA, leading to significant harm to my creditworthiness and financial standing. 

**Details of the Complaint : ** XXXX. **Negligence in XXXX XXXX XXXX : ** Both TransUnion and Equifax have negligently failed to comply with the requirements of the FCRA XXXX Specifically, they have refused to report accurate information regarding my accounts. Enclosed is a letter from XXXX XXXX XXXX confirming that these agencies have not included my account information in my credit report. 

XXXX. XXXX XXXX : ** I have also experienced incomplete reporting of my credit history. Certain accounts were deleted from my credit report without justification, which has shortened my credit history and adversely affected my XXXX XXXX. This behavior is a clear violation of FCRA XXXX ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

XXXX. XXXX XXXX of Disputes : ** I have filed disputes regarding inaccurate information on my credit report, yet both agencies failed to conduct thorough investigations as required by the FCRA XXXX Their processes limited my ability to articulate the discrepancies effectively, and they often ignored relevant information I provided. This disregard for consumer rights reflects systemic issues within their reporting practices. 

XXXX. **Previous Violations and Consequences : ** Furthermore, I am aware of the CFPBXXXX previous actions against Equifax XXXX including the {$15.00} XXXX penalty for improper investigations of credit reporting errors. This history raises concerns about the agencies ' commitment to compliance, and it is evident that these violations continue to harm consumers. 

Given these serious infractions, I urge the CFPB to take appropriate action against TransUnion and Equifax for their continued failure to comply with the FCRA. Consumers deserve accurate credit reporting and fair treatment, and these agencies must be held accountable for their actions. 

I appreciate your attention to this matter and look forward to your prompt response. Enclosed are copies of all relevant documents, including correspondence with both agencies and evidence of the inaccuracies in my credit report. 

Thank you for your assistance. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information.I have no clue what in the world the Credit Bureaus are trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an identity theft report I need this fraudulent inaccurate information off of my credit report. This is hurting my family as well from purchasing a home. We are running out of options cant get a home and will eventually cause my family to be in a homeless shelter. Please help. I contacted this company several times by phone and by mail with still no progress. 

XXXX XXXX XXXX XXXX {$660.00}
Product: Debt collection

Hello to whom this may concern, My name is XXXX XXXX and my husband XXXX XXXX XXXX passed away in 2012 leaving me with a Discover card debt. I recently started a refinance and found that I had a lien on my title from Discover. I contacted Discovered and settled for less than was owed and I paid off the account. They were supposed to issue a release for the lien on my title and they have not. They keep telling me that the attorney needs to sign off as well as Discover. I paid them 3 weeks ago and am still getting the run around. I need the lien to be released already because it is holding up my current transaction for re finance. Please Help, Thank you
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report even with all my repeated attempts to get this information deleted from my reports. The account listed as XXXX XXXX XXXX  has a lot of inconsistencies like High Balance : {$20000.00} {$20000.00} {$12000.00} Last Verified : XX/XX/XXXX - -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- Creditor Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Charged off as bad debt Profit and loss write-off Voluntary surrender. 
Unpaid balance reported as Fixed rate a loss by the credit grantor. 
Charged off account XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Furthermore an account can not report as a collection and have late payments. The credit bureaus are purposely failing to provide adequate information to reflect my credit worthiness which is causing me significant damages and they lie to the CFPB stating they have fixed the account and its information but they did not.
Product: Credit card or prepaid card

Received email from XXXX charging me for {$410.00} for best buy XXXX XXXX. XXXX XXXX, phone number XXXX XXXX XXXX XXXX. My last payment to XXXX XXXX was {$43.00} in 2021,
Product: Credit reporting or other personal consumer reports

Im writing to ask for your help with a serious issue Im facing regarding an XXXX account ( XXXX ) that was opened in my name on XX/XX/year>. I did not authorize this transaction, and in fact, I returned the few items I received from this order when they were delivered to my home. 

Ive made several attempts to resolve this with XXXX and Experian, but I keep getting told that the account is verified, despite it being the result of identity theft. Ive even provided proof to a debt collection agency thats harassing me about this debt, showing them that the account isnt mine, but theyre still pursuing it. 

All I want is for this fraudulent account to be closed and removed from my credit report. Ive tried everything on my own, but I havent had any success, and its causing a lot of stress. 

I would really appreciate your help in getting this resolved so I can move forward and stop dealing with this issue. Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

I am submitting this formal request for the immediate removal of inaccurate and misleading information regarding my student loan account ( Account Number : XXXX ), which was transferred from XXXX. The errors on my account violate the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and the Higher Education Act ( HEA ) and must be removed immediately. FALSE LATE PAYMENT ( XX/XX/year> ) My loan was deferred with XXXX my payments were not due until XX/XX/year>. 
Despite this, my credit report reflects a 90-day late payment in XX/XX/year>. 
This is a clear violation of FCRA ( 15 U.S.C. 1681s-2 ( a ) ), which prohibits reporting false information. I demand the immediate removal of this inaccurate delinquency from all credit bureaus. My original loan balance was {$1300.00}, yet my credit report reflects a balance of {$2000.00} with no valid explanation. Under XXXX  ( 20 U.S.C. 1082 ), you are legally required to provide a clear and accurate breakdown of loan balances. 


XXXX. REMOVE OR CORRECT STATUS REPORTING ERRORS My account is listed as 0 % paid off while still showing a balance, which is misleading and harmful to my credit profile. 

I demand an immediate removal my rights were violate. FERPA ( 20 U.S.C. 1232g ) Requires servicers to properly notify borrowers of loan transfers and protect student data. I was never notified that my loan was transferred. 
FCRA ( 15 U.S.C. 1681s-2 ( a ) ) Prohibits loan servicers from reporting false or misleading information to credit bureaus.

HEA ( 20 U.S.C. 1082 ) Requires proper loan servicing, disclosure of accurate balances, and correct borrower records. I formally request that XXXX remove the following from my credit report immediately : If these errors are not removed within 30 days, as required by federal law, I will escalate this matter by filing complaints with : U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission ( FTC ) State Attorney Generals Office Furthermore, I will explore legal action for the financial harm caused by these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

as a consumer I notified the furnisher indirectly through the CFPB of my dispute/complaint. XXXX  XXXX, XXXX XXXX along with EXPERIAN all failed to follow The FCRA. 

The complaint that was chosen to be ignored was XXXX. 

delete all accounts listed below because a reasonable reinvestigation was never complete with 30 days.