23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing to file a complain about XXXX XXXX XXXX, which was called XXXX XXXX when I attended it from XX/XX/XXXX-XX/XX/XXXX. When I enrolled in the school they told me that upon graduation I would receive assistance taking my licensing exam and finding a job. When I graduated in XX/XX/XXXX neither of these things happened. I was told that a time, date, and location for my exam would be mailed to me after graduation, and I never received anything. When I called XXXX to ask about this they repeatedly brushed me off, and I was never given an exam time or date. I also did not receive any assistance finding or applying for jobs. I had many classmates who experience the same thing, and I believe this amounts to false advertising. If I had known that I would be left to fend for myself after graduation with no ability to find a job related to my education I would not have enrolled at XXXX and would not have the student loans that I am struggling to pay today. I would like XXXX to be investigated for this fraudulent behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out my dispute letter certified on XX/XX/XXXX and they received it on XX/XX/XXXX they had to sign to get the letter. It has been XXXX  days no response it is a violation of my rights. 
They also violated the law because according to 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 I did not give anybody written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have initiated a correction with Transunion, XXXX and XXXX  regarding the status of a student loan that is showing 90 days past due on all three of my credit reports. I have submitted documenting twice to all three companies to show there was an approved forbearance. After the initial 30 day investigation, nothing was updated and I was told to resubmit the paperwork for all three to re-investigate. All there have requested the info for the re-investigation via mail, on line and fax. I am unable to access an account information that is sent to me, the sites keep saying my information is not correct and while speaking with each company no one seems to understand and or provide any information. When asked to speak with supervisors I am wither hung up on or transferred to a line no one answers. 

I understand that opening an investigation, the companies are supposed to investigate, when asked how they conduct the investigation they have no answer and seem to loose or misplace the documentation that is sent directly to them. The work is already done for them in providing the documentation, which I had to do to actually fix the issue. 

I have received emails from all the companies setting the dispute is completed but when I call they state they are still investigating. How can both be true? I am just looking for my credit report to be accurate. It is a shame that the reporting agencies actually have the power to provide details about an account under the guise of we investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - I was notified by XXXX XXXX that a hard inquiry had been issued against my Equifax credit report from XXXX XXXXt - I did not authorize this inquiry and at this moment believed I was a victim of identity theft. 
XX/XX/2022 - Disputed the hard inquiry with Equifax via the online portal as well as placed fraud alerts on the other two reporting agencies. 
XX/XX/2022 - Received notification via email that Equifax had made a determination that the inquiry was " : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY '' XX/XX/2022 - Called Equifax to request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the telephone number. 
XX/XX/2022 - Equifax told me that 1 ) They would not furnish this information, but would provide a copy of the credit file, the credit file does not tell me the steps they took to resolve the dispute, I had already received the credit file via email with the notification of the resolution of the dispute. 
2 ) I could not dispute Hard Inquiries XX/XX/2022 - I asked Equifax several times if the call was being recorded, it is my belief that I am a victim of identity theft and I did not authorize this inquiry and that if something is going to be placed on my credit report that impacts my credit worthiness I am legally allowed to dispute that and that the response to the dispute say I can request the steps taken to come to the determination. The Equifax supervisor ( XXXX ) insisted that hard inquiries could not be disputed. 
XX/XX/2022 - Sent a formal dispute to XXXX XXXX, including a copy of my credit file, requesting they prove the validity of the claim, including date and location of credit request and if completed electronically the I.P address and physical location of the IP address, again insisting that I have been a victim of identity theft. 


It should be noted that Equifax was notified of the un-authorized transaction the same day I was notified XX/XX/2022, however it only took them 3 business days to complete their investigation and they advised me it would take 7-10 days to send me another copy of my credit file. I'm not sure how they could possibly conduct a thorough investigation when the reporting agency did not report a phone number and all there correspondence would have had to be via mail. Equifax was able to send their requests and receive them back in 3 days, however as a consumer who has had their identity stolen with an inquiry that is impacting there credit score they best they can do is 7-10. days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$3000.00}
Product: Mortgage

please help me consumer financial protection bureau, it is now 3 years asking Chase home finance to help me avoid foreclosure and all they keep doing is playing games with my home. the last application submitted for a short sale was at the beginning of the year and it took them 8 months for them to review my application and tell me that I was denied for a short sale because they can not verify my identity. I asked chase what information they are requesting from me to verify my identity, they never call me back to tell me whats needed. now they have placed a foreclosure sale date on my home and I am very scared and I do n't want to loose my home. please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I have sent my two dispute letters certified to 1. XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX & 2. XXXX  XXXX XXXX XXXX same address : XXXX XXXX XXXX XXXX XXXX, NV XXXX both certified letters return its original envelope with the certified posted unsigned or stamp on it. I believe this case must be an inaccurate address on my XXXX XXXX Credit Report. I have XXXX the Address above and turn out to be AARGON COLLECTION AGENCY. This is a violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my police report to TransUnion to have a fraudulent account investigated and removed. All other credit bureaus have removed the fraud paid collection account. TransUnion continues to report this fraudulent account as a paid collection. It is not my account and was never my account and should not be reporting on my credit. It should be removed in accordance with Section 605B of the FCRA.
Product: Credit reporting

I received a letter from XXXX indicating my credit score was low. When I called Experian regarding this, they said they had nothing to do with the score, that I would need to contact XXXX. I asked them why it was so low, and they could not tell me why. 
they only wanted me to by my credit score. Which I already know.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting companies allow accounts that have nothing to do with credit be placed on credit reports. XXXX should not be allowed to report to a credit report because they offer services and not consumer loans or any form of credit, like credit cards..etc. I ask that XXXX remove the account from XXXX XXXX XXXX.
Product: Mortgage

MY HOME IS IN FORECLOSURE AND I AM IN THE TRIAL MAKING PAYMENTS I BEEN SAID OVER THE PHONE THAT THIS IS NOT ACTUAL INFORMATION BUT I STIL IN FORECLOSURE ( DUAL TRACK ) THE SERVICING COMPANY IS TAKING THE PAYMENTS ( 2 ) AND I DO NOT UNDERSTAND THEIR PROCEODURES BECAUSE THEY SAID WHAT I SEE IN THE INTERNET IS NOT REAL
Product: Payday loan, title loan, personal loan, or advance loan

I was charged {$10.00} every month for income protection service and never get anything because I was told by Grid income protection that I was ineligible but the website still charging me and now I cancelled the service but never get my refund back
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I was denied credit due to an inquiry for my credit score from XXXX , XXXX. I have never heard of this company and when I call to get a copy of my credit report I have to leave a voice message. An online inquiry or a written inquiry to XXXX , XXXX, I have to provide copies of my driver 's license along with other documents, including my social security number. Is XXXX  , XXXX a legitimate credit bureau? Never heard of them and why can't I get a copy of my credit report from them. No call back and no one answers the phone.
Product: Credit reporting or other personal consumer reports

I AM SO DEVASTATED CURRENTLY AND XXXX I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.
Product: Debt collection

I am urgently reaching out as a mother of a family of XXXX, deeply concerned and demanding immediate action. The issue at hand involves a company reporting fraudulent and inaccurate information on my credit report, a situation that gravely impacts my ability to acquire a much-needed vehicle for my family.

This company 's actions are in violation of both the Uniform Commercial Code ( UCC ) and the United States Code ( USC ). Specifically, under UCC Article 9, which governs secured transactions, any party claiming a security interest in an account must provide concrete proof of their legal claim their failure to provide the Purchase Agreement as evidence of their claim to the account is a breach of the transparency required in such dealings.

Furthermore, under USC Title 15, Section 1681s-2, responsibilities of furnishers of information to credit reporting agencies are clearly outlined, and their actions contravene these regulations.

Additionally, their refusal to provide pertinent documents for review is a direct infringement of my rights under USC Title 15, Section 1681a, which details permissible purposes of consumer reports. This unauthorized use of my identity without my consent is adversely impacting my credit rating, creating a significant barrier to my financial stability and progress. 

Given these violations, I insist that the CFPB, in alignment with its mandate under USC Title 12, Section 5511, which involves regulating the provision of consumer financial products or services, takes swift and thorough action. The ongoing reporting of this unverified and potentially false information must be stopped immediately to prevent further damage to my credit rating and the overall financial well-being of my family. 

I expect your prompt and decisive intervention in this critical matter. 

Thank you,
Product: Bank account or service

IN XX/XX/XXXX BANK OF THE WEST FINANCED A XXXX MOTORHOME, WITH {$20000.00}. CASH DOWN, {$15000.00}. TRADE IN ON A XXXX TRAVEL TRAILER AT 8.5 PERCENT INTEREST FOR A 15YEAR MATURITY. THEY OFFERED EACH YEAR A DEFERMENT AT XX/XX/XXXX AND A {$25.00}. FEE AT THE TIME, OVER EIGHT YEARS FURNISHING PAYMENT SLIPS FOR EACH MONTH WITH THOSE EIGHT MONTHS ADDED ON. XX/XX/XXXX CONCLUDED THOSE 15 YEARS PLUS 8 MONTHS, JUST COMPLETED THOSE PAYMENTS IN XX/XX/XXXX LAST. NOW BANK DEMANDING ADDITIONAL {$16000.00}. IT SEEMS THE BANK TOOK THE FOLLOWING MONTHS AFTER DEFERMENTS PAYMENTS THEN APPLIED THE FULL MONTH TO INTEREST ONLY. TO US THIS IS VERY UNSCRUPLUS, AND UNFAIR IN THE EXTREME. NOW CHARGING {$25.00}. EACH MONTH NO ADDITIONAL PAYMENT IS MADE WITHOUT FURNISHING ADDITIONAL PAYMENT SLIPS AS THEY INDICATED ON FINAL PAY SLIP.
Product: Debt collection

On XX/XX/year> I received a threatening letter communicating to me that XXXX XXXXXXXX XXXX, a debt collector was attempting to collect a debt allegedly owed to JP Morgan Chase Bank , N.A . and that they will use any information I give them to collect the alleged debt. I do not have a contract with this company and never gave consent to have this company contact me through any medium. After received the letter I checked my credit report with XXXX, XXXX and XXXX to find that there is an account listed from JPMCB card services that has been charged off as bad debt, but I never received a 1099 from JPMCB showing the debt was discharged. Since this account has been charged off, that makes it a certificate of indebtedness meaning it is now considered income and income is not permitted to be listed on a consumer credit report. It appears that JPMCB and XXXX XXXX XXXX the debt collector has conspired together to commit fraud and extort funds from me the consumer. Further more, I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. JPMCB Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of JPMCB reporting services.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ) by Experian. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial situation. 
Complaint Details : XXXX. Failing to Ensure Maximum Possible Accuracy The FCRA requires credit bureaus and creditors to ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been handled inadequately, demonstrating a failure to meet the FCRA 's accuracy standards.

2. Inadequate Investigation and Reliance on Automated Verification Systems Under the FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus are required to conduct thorough investigations of disputed information. However, my past disputes have been met with automated responses through systems such as e-OSCAR, which do not meet the legal requirements for a full investigation. This approach neglects a comprehensive review of disputed entries, perpetuating inaccurate information on my report.

3. Failure to Comply with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate account statements and disclose essential account information to consumers. XXXX has failed to comply with TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with XXXX has compounded the inaccuracies on my credit report, further violating my rights as a consumer. XXXX. Violation of FDCPA Rules on Accuracy and Non-Deceptive Practices The FDCPA requires debt XXXX and information providers to report accurate and verifiable data. The accounts in question have been repeatedly reported incorrectly, with misleading information that has not been corrected despite my disputes, which is a violation of FDCPA protections.
Product: Checking or savings account

I was informed on XX/XX/XXXX that my account was temporarily suspended and that I needed to upload a picture of my drivers license which I did right away. Up to this point I was given no warnings. XX/XX/XXXX I was informed that they found my actions and activities have been in violation of the user agreement, as a result they deactivated my account and that my funds will be held up to 180 days for loss prevention purposes. XX/XX/XXXX I emailed back asking what I did wrong and how they could keep my funds. I got an email back saying that they are unable to release my funds to me. I was asked to be contacted by a supervisor but I have hear nothing back since.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX issued a 1099-C for a charged off loan I had in the past. According to the 1099-C I am no longer responsible for this debt and is is considered resolved and unable to be collected upon. This also means the account must be deleted from all credit reporting bureaus. Please do so immediately so this can be resolved. I have attached the issued 1099-C.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : SPRING OAK CAPITAL Address : XXXX XXXX XXXX XXXX, VA XXXX Account number : XXXX Your NAME : XXXX XXXX Your address:XXXX  XXXX XXXX XXXX XXXX, ALABAMA XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and XXXX for failing to investigate my disputes regarding inaccuracies in my credit report properly despite my submissions. XXXX and XXXX consistently respond in 24 hours, stating the accuracy, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which mandates a reasonable investigation of the dispute. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( B )
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX Charge-off {$270.00}