23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated 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 : * XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 XXXX 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 Ex

ecutive 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
. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. 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 XXXX XXXX, 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, Students & Graduates of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted 3 written requests for verification of an account.i continue to receive notices that account is verified which have not been shown to me how " verified '
Product: Debt collection

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that am requesting " validation ' ; that is competent evidence bearing my signature, showing that have ( or ever had ) some contractual obligation or contract to pay. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from Portfolio or any company for a debt that I don't owe, is a Violation of the Fair Debt Collection Practices Act FDCPA S 807 [ 15 USC 1962el : therefore, if they can not validate the debt, they must request that all credit reporting agencies delete the entry. Also changing dates on this collection. States no Collection on XXXX. See attached photo.
Product: Credit reporting, credit repair services, or other personal consumer reports

navy federal credit union keeps reporting the balance on my loans with them as increase in balance or dollar amount through the credit bureaus. the balances should be decreasing but they are not. i dont like this. ive made all my payments on time with them over the phone etc. i think they are scamming me
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it againXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am disputing this debt because I do not owe it. 

XXXX XXXX XXXX, XXXX illegally reported this debt of {$6300.00} which was not justified. I asked them to delete it from my credit report. 
We have contacted the company many times : XX/XX/XXXX Mail from the law firm XXXX, XXXX XXXX XXXX, XXXX declining our request to get the refund of our security deposit. 

XX/XX/XXXX Mail sent to XXXX XXXX XXXX XXXX : Demand for Security Deposit back and to remove the credit report. 

XX/XX/XXXX Mail sent to the law firm XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX with all the elements ( lease agreement, complaints, pictures ) requesting for the refund of our security deposit and to remove the credit report. 

Doc 22 : XX/XX/XXXX Mail sent to the law firm XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX : requesting the full refund of our security deposit and to remove the credit report. 

XXXX XXXX XXXX, XXXX violated our contract ( no smoke policy ) and did not meet the requirements of our Lease Agreement. XXXX XXXX XXXX, XXXX reported this bad reference that was not justify and did not remove bad credit reference, which was not justify regarding the Notice of Entry of Judgment which is attached to this complaint. The judge found sufficient violations of no smoke policy to justify termination of the lease. 
XXXX XXXX XXXX, XXXX also violated the California law sending the " move-out statement well beyond the required 21 days ''. 

Thank you for your attention to this matter. 

Sincerely,
Product: Debt collection

Delete these medical collections from my credit reports effective immediately as they are banned by the CFBP and they can NO LONGER REPORT ON MY CREDIT REPORTS EFFECTIVE IMMEDIATELY. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XX/XX/XXXX XXXX XXXX ....
Product: Credit card or prepaid card

I requested a credit limit increase on XXXX XXXX, 2017. I was denied an increase because " recent use of this accounts existing credit line has been too low '', per their denial letter dated XX/XX/17. After reviewing CapitalOne 's complete frequently asked questions concerning reasons for denial, not a single factor shows cause for denying me a credit limit increase. I have been a customer of CapitalOne for over 20 years. I believe there is not sufficient merit to base such a denial of credit limit. 

In fact, all my other trade lines did grant me a credit limit increase recently including XXXX XXXX, XXXX, XXXX, and XXXX XXXX. Both XXXX and XXXX almost doubled my credit limit from {$12000.00}. to {$23000.00}. due to my superior credit discipline and payment history. 

I review my trade lines annually and try to request a credit limit increase primarily to boost my credit scores and future purchasing power.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX TransUnion LLC. 
Customer dispute centeXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under FCRA and Consumer Law To Whom It May Concern, I am formally disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised concerns regarding TransUnion s failure to conduct proper investigations. A CFPB lawsuit alleges that XXXX and XXXX engaged in inadequate investigations, violating consumer protection laws and failing to meet its obligations under the FCRA. 
As outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion must conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly corrected or deleted. Failure to comply constitutes a violation of federal law. 
I request that TransUnion : 1. Conduct a thorough reinvestigation of the following disputed accounts : o XXXX XXXX ( Account : XXXX ) o XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Remove all " NON-MAIL-ABLE '' addresses and ensure that only one correct address is listed to maintain accuracy.

3. Provide me with all documentation used to verify the accuracy of the disputed information.

4. Correct or delete any information that can not be verified or is inaccurate, as required by law.

If TransUnion fails to comply, I will escalate this matter by filing a CFPB complaint regarding improper investigations, as previously cited in legal action against TransUnion. 
I have enclosed a copy of my identification and relevant supporting documents to facilitate your investigation. Please respond in writing within the legally mandated timeframe and provide written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

After My HSBC Master card has been stolen.for one hour, I did call to report the HSBC representative to close the account. She promised to close the account and to take care everything that I was not responsible for after the incident. Later on HSBC called me to deny what they said with me before. Therefore, I send them the incident report that was endorsed by the club manager where the incident happened as well as the case report number from police departments and the name of police officer who was taking care of the case. I have already mailed all of supporting documents to HSBC. XXXX XXXX
Product: Vehicle loan or lease

Derogatory fraud account on my credit report. Talked to XXXX XXXX and American First finance. The finance company told XXXX XXXX information was correct but when I call none of my information matches any accounts they have. Will not help me get it straightened out.
Product: Credit reporting or other personal consumer reports

I got a letter this week from XXXX XXXX XXXX. It is written that I have to pay debt. Somebody opened Discover bank account and used my name and used my social number and used some money. Ive never opened Discover bank account. There is the debt balance {$1100.00} I didnt make and use. I called XXXX XXXX XXXX and reported this case. They said I have to report police. So I am reporting here. What do I do right now? If you need my information, let me know. My age is XXXXXXXX XXXX and I am living alone. I need a help.
Product: Credit card or prepaid card

I opened a credit card with HSBC bank in XXXX had insurance on this card to cover if I lost my job or was ill. In XXXX I got really ill was unable to pay no help from the insurance part the card was switched to XXXX XXXX because HSBC did away with credit cards so it went to collection. In XXXX I had a collection company contact me I paid XXXX for this account the bank account that I had I no longer have nor is this card on my credit. Now I have a company calling me saying I am being sued over this account that it was open in XXXX which I ask how do cards get reopened when it isn't on my credit report nor do I get notifications. When I called the number I am being contacted from I ask how every 7 to 10 years I am being contacted and it's no longer on my credit and they should look at the collection company that took my money for this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {XXXX ; DEPT OF XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {XXXX ; DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : XXXX  ; DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : XXXX ; DEPT OF EDUCATION/NELN XXXX Date opened : XX/XX/XXXX Balance : {XXXX} ; XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I've received a copy of my XXXX report and saw fraudulent accounts reporting without my permission or consent I demand these accounts to be removed immediately Due to FCRA Law Violation for A Consumer.

Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to block fraudulent information from their credit reports. This includes information that the consumer believes was the result of identity theft. 15 USC 1681B Permissible Purposes 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, Imprisoned for not more then 2 years. 

XXXX XXXX  XXXX XXXX XXXX Amount : {$210.00} Closure XXXX XXXX XXXX XXXX XXXX Amount : {$980.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9700.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

VKI - VALENTINE & KEBARTAS XXXX XXXX XXXX XXXX, Massachusetts Has called multiple times from different phone numbers. They have now started contacting family members which is very unprofessional. They have used XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX. They have called almost over complete 30 days of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm has continuously treated me unfairly and refused to acknowledge and assist me, refused to research and cr report shows falsified amount of {$13.00} ; not only have they reported this FALSIFIED info of me owing them, I dont. They reported to the credit bureau since XXXX and denied me for almost 4 years by a false amount of {$13.00}. They failed to keep up with the returns and made up an amount and refused to credit my act fully. While they have a CLASS ACTION lawsuit for payment plans that encourage higher spending and make " returns tricky ''. dated XX/XX/XXXX the companys practices violate New York consumer protection laws. While they continue to be petty and violate my rights and ruin and disclose bad pmt history to the credit bureaus is outright WRONG. They need to remove bad info from my report and approve my history in any future transactions. With a rating of 1.5 out of 5, tells you a lot of who they really are-including the last class action suit. I spoke with XXXX in XXXX today XX/XX/XXXX as he was rude and refused to acknowledge the issue, Its their way or the highway. Does AFFIRM a financial inst. Not have to follow rules and reg as any other Finance company? Why do you allow this finance co to violate the law XXXX and treat customer unfairly? I fought and fought for years -see emails and still they get away with it. SCAM!
Product: Mortgage

I was referred to a mortgage/loan officer by my sister-in-law. After filling out the credit application I became aware of the fact that the loan officer had shared my personal financial information with a my sister-in-law, she was not a co applicant nor in any other way associated with my loan besides making a personal recommendation of this loan officer. This inappropriate sharing of my personal information led to many uncomfortable questions and confrontations with my sister-in-law. I would like to know if and what recourse I have in this matter.
Product: Checking or savings account

I opened a personal account with Wise on XX/XX/XXXX, and I received about XXXX XXXX that day. But when I transferred money, Wise restricted my transfer. On XX/XX/XXXX, Wise closed my account. I then asked Wise to refund my balance through XXXX, but Wise responded to the email on XX/XX/XXXX and refused to refund. Wise 's behavior is an infringement of personal property and is absolutely unacceptable.
Product: Debt collection

On XX/XX/2022 I received a collection letter from Synerprise Consulting in reference XXXX XXXX 

On XX/XX/2022 I sent a certified letter ( see attachment ) tracking # XXXX ( see attachment ) that was delivered to Synerprise Consulting on XX/XX/2022 disputing the collection. 

In XXXX of XXXX, I received a letter from Synerprise Consulting ( see attachment ) backdated to XX/XX/2022 providing no documentation yet claiming they had done an investigation and that their information was accurate. I requested validation of the debt, which they did not provide. 

On XX/XX/2022 I sent another certified letter ( see attachment ) tracking # XXXX ( see attachment ) that was delivered to Synerprise Consulting on XX/XX/2022 once again disputing the debt. 

On XX/XX/XXXX, I got a notification from XXXX XXXX  that Synerprise Consulting had reported a collection to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX, Experian, XXXX ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Checking or savings account

Bank of America opened XXXX fraudulent checking accounts in my name within the past month. They are opening these accounts online and not providing sufficient information about how this can be prevented in the future. Only XXXX account has been closed, they refuse to close the other account until a 90 day investigation is completed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Opened XX/XX/XXXX {$360.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$5200.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$700.00} My information may have been impacted by the XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists My info was used fraudulently to get a apartment in XXXX after doing some digging I see someone fraudulently opened an apartment and didnt pay and broke lease causing that {$5200.00} which I guess was sent to third party creditors and the others are internet and utility bills
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against transunion for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XXXX XXXX XXXX, I filed a dispute with TransUnion regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection Agency : Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my dispute, XXXX, XXXX, and TransUnion continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations.

Key Violations : 1. Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
o The use of E-Oscar resulted in an inadequate and incomplete investigation. 
2. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o XXXX, XXXX, and TransUnion continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.