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

I called the the 3 Credit Bureau 's after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Addresses : Accounts : Inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this account will be updated soon. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft, so I've reported it to the XXXX here in California. I did not authorize anyone to open or use accounts of anything in my name. These developments are new to as I have no knowledge of the debts nor did benefit in anyway. Under California law I have rights that protects me the consumer. I have the right to see any and all information of accounts of debts in entirely within 30 days. These accounts need to be removed from all credit agencies reporting it. Thank you again for your time and consideration in this matter. 
Respectfully, XX/XX/2019
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to SYNCB/CHEVRO XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Student loan

Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX 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 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 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 XXXX  XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX 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 card

Dear Sir/Madam : I wrote the following letter to Chase through their online submission system about a week ago and did not hear back from Chase at all. 
" I opened a XXXX card with XXXX bonus offer and after receiving the card within a week or so I received a better offer - spending {$3000.00} within the first three months and get XXXX bonus miles. I contacted Chase immediately to see if Chase could honor this offer and I was guaranteed to received the additional XXXX bonus miles after spending {$3000.00}. I called on XXXX XXXX, and the first customer representative refused to do so giving the reason that the XXXX offer charges a {$95.00} annual fee at the beginning and Chase can not make that charge anymore. Due to that technical difficult, Chase can not honor the additional XXXX miles. I argued with him to see if there anything else he could do for me since I was guaranteed by Chase to receive the additional XXXX miles. He brought his manager in line and discuss this issue. However, according to the manager, the reason Chase can not honor this offer is because XXXX XXXX will not honor this offer since it is a promotion offered by XXXX. And she said she would like to give that XXXX miles to me if it is decided by Chase. I asked her is there any other alternatives Chase can do for misleading me, such as waive the next annual fee, and she said a straight " NO ''. I contacted XXXX XXXX immediately ( original email from me and response from XXXX XXXX in the following ) and the reply I got is Chase is responsible for the additional XXXX miles. I called Chase on XXXX XXXX again and the customer representative just told me she was told to tell customer " NO '' for this situation, meaning Chase does not honor this offer. I am very frustrated and disappointed by all of the different and contradictory answers received from Chase. Initially I was promised by Chase to get these additional XXXX miles and later I was refused by different reasons from different people at Chase. Nothing is consistent with Chase. And most of the service regarding this situation I received was rude, the customer service is not paying attention to what 's going on with me and only offers " NO '' to me. I have been a loyal and good customer with Chase for years and I feel like I am fooled by Chase completely! '' I could have used other credit cards to make my purchase instead of spending more than {$4000.00} on this Chase credit card in two months. 
Thank you for looking into this and I really wish Chase could be responsible for the mistake they have made. 
-- -- -- -- -- -- -- -- -- -- -- -- Original Reply from XXXX -- -- -- -- -- -- -- -- -- -- -- -- Dear XXXX, Thank you for writing and we apologize for any inconvenience. 
The bonus miles that you 'll receive is based on the offer you have signed up for. In case you receive a better offer, it will be the discretion on Chase to honor that offer. In line with this, please call Chase for further assistance. Please use the phone number at the back of your credit card XXXX. 
We appreciate you taking the time to contact us. 
Regards, XXXX Service Center
Product: Credit card or prepaid card

On XX/XX/11 I was charged a pending charge after I already paid the charge amount in full. The pending charge is still on my account 2 weeks after I have made several calls and had the company who the charge was to fax a removal form. Money Network told me XXXX XXXX had to fax a letter stating that the pending charges could be removed that XXXX XXXX was not going to be charging them because the order was already paid in full. I have made several attempts with Money Network and they lie to me and keep increasing the so called date the pending charge will be removed. Every time I call Money Network employees are in a hurry to get me off the phone and when they tell me they are going to transfer me to the escalations department the phone always hangs up. The amount that Money Network owes me is {$170.00}. I have attached a snip of my account. On XX/XX/11 at XXXX I was charged {$26.00} and {$140.00} which adds up to {$170.00}, which is what I purchased paid in full. After that I was also charge {$170.00} in a pending charge after the full purchase amount was already paid.
Product: Student loan

I have college loans that have taken advantage of me particularly XXXX XXXX and XXXX XXXX XXXX. I have filed complaints with XXXX XXXX XXXX and have seek forgiveness and nothing. XXXX XXXX XXXXXXXX promised employment and allowed me to graduate without offering me one XXXX course. XXXX XXXX over charged me for education and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting

Experian reports a balance owed and the account in open status for the XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX. This XXXX line, was discharged per the foreclosure events which occurred in 2011. Oregon law as statutes in House Bills 3656 and 3004 are clear that where the XXXX and XXXX loans were issued at the same time and both are held by the same beneficiary ( the actual lender of money ) at the time that the XXXX loan is foreclosed on, the beneficiary can not seek a deficiency on either loan. Therefore, it is incorrectly reporting a balance due. Accordingly, XXXX were issued ( and are attached to this notice ). Finally, XXXX and XXXX report the balance correctly at {$0.00} -- and I 'm asking Experian to do the same.
Product: Credit card

I filed complaint XXXX XXXXXXXX in response to XXXXXXXX XXXX XXXXXXXX lowering my credit limit without notifying me by email, official letter or by mail. Synchrony claims they contacted me to resolve the matter and I chose not to pursue a credit line increase, but they failed to identify who they were, authenticate me the customer, and by not performing standard procedures to validate the customer they are speaking with is in fact the person, presented themselves as potentially fraudsters attempting get information from me. 

When someone claims to be with Synchrony and only asks to speak with XXXX XXXX XXXX, and then once I said " This is he '', they immediately went into reading from a script about having to collect my gross annual salary and all the income I can include as part of that number. At no point did the person attempt to authenticate me by asking additional questions to verify they were speaking to the card holder. Listen to the recorded call and you will see why I felt I was speaking to a Fraudster and asked them not to consider the credit increase. I refused to provide information to someone who I can't confirm is from Synchrony and failed to authenticate a customer. 

So for Sychrony to claim they have resolve this matter is incorrect and as a result I am filing an additional complaint because the person you chose to contact me sounded like a fraudster for not following proper authentication procedures, thereby appearing to sound like a fraudster attempting to collect information on me.
Product: Debt collection

Cease and Desist from Reporting Inaccurate Information I am writing to formally request that Caine and Wiener cease and desist from any further attempts to collect a debt that they have reported inaccurately on my credit report. I believe that your agency is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) due to the inaccuracies associated with my account.

Specifically, I am requesting the following : Proof of Debt : Please provide documentation supporting the validity of the debt in question, including a XXXX form and the original purchase agreement. Additionally, I require a copy of the forward flow agreement that governs the transfer of this debt to your agency, as well as a complete chain of assignment that details the ownership of the debt from the original creditor to your agency. Without this information, I can not verify that the debt is legitimate. 
Correction of Reporting : I request that you immediately correct any inaccurate information you have reported to the credit bureaus regarding my account. Continuing to report this information without proper verification is unjust and harmful to my credit profile. 
Please consider this letter a formal notice that I require you to cease all collection activities related to this account until you provide the necessary documentation. Failure to comply with this request will leave me with no choice but to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 
I expect a prompt response to this matter. Thank you for your immediate attention to this issue.
Product: Debt collection

Was told by an employee I would not have to pay the outrages amount said owed, and also was requested to send documentation of car sold in which the vehicle was no longer in my possession, for proof so that I would not have to pay the outstanding balance as well.
Product: Debt collection

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Equifax Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX/XXXX/2020 I sent a letter to XXXX, XXXX, and Transunion to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XXXX/XXXX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XXXX/XXXX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$80.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, Date XX/XX/XXXX I am writing to address the incorrect and continuous reporting from XXXX XXXX. My credit report shows the XXXX XXXX account ending in ( XXXX ) as 90 days late continuously despite the account being closed, in collections, or charged/ written off as of XX/XX/XXXX. This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA, 15 U.S.C. 1681s-2, specifically outlines the responsibilities of furnishers of information to consumer reporting agencies. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Moreover, the FCRA mandates that once a debt has been sold or transferred to a collection agency, the original creditor must accurately update the account status. Continually reporting the account as 90 days late each month after the debt has been sold, closed, in collections, or charged/ write off as of XX/XX/XXXX is inaccurate and misleading. Reporting an account as 90 days late 47 times is highly irregular and is usually a sign of misconduct or corruption within the company. 

These practices are not consistent with the standards set by the FCRA and reflect a blatant disregard for legal and ethical obligations. Repeatedly reporting false information not only violates the FCRA but could also be considered a form of harassment under broader consumer protection laws. The persistent and inaccurate reporting of my account status appears to be an attempt to coerce or harass me into making payments on this account, which is both unethical and illegal. 

Please take immediate action to correct this inaccurate reporting. Failure to comply with these requirements will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and potentially seek legal remedies. 

Sincerely, XXXX XXXX, XXXX
Product: Debt collection

On XX/XX/2020 the company contacted my boyfriends father my boyfriend and my mother all looking to speak to me over a debt. They asked my mother for my date of birth and address she gave it to them and then they gave her further information on my debt. 

I called this company after I saw that I had a missed call before I knew that they called my entire circle. They threatened to sue me because I dont have the money to pay for it they told me that I should stop paying for my home in which I live in to pay them. I was told that I would be taken to county courts to solve this issue and may have a home foreclosed on because of {$1900.00}. I then called again after I found out that they called these people and they did not give me a straightforward answer as to how they received any of these numbers and why they would give out any of my information. I have never received one piece of mail from these people other than phone calls. 


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

Equifax has refused to follow the laws set out in the fair credit reporting act and block the information they should with an FTC affidavit. The other bureaus followed the law and blocked the information.
Product: Debt collection

hello and good ay the credit bureaus and XXXX XXXX put a negative remark on my credit for XXXX I never went to college. Im in America trying to make it. Please help me. The company refuses to hear me and its not mines. They are designed to make this happen. They said my credit would get ruined if its not paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX D.O.B : XX/XX/XXXX XXXX : Letter to remove inaccurate inquiry credit and address information I have obtain a copy of my credit report and found the following items to be an area. 

Creditor Name : XXXX XXXX XXXX O Dates : XXXX XXXX & XX/XX/XXXX Creditor Name : XXXX XXXX Ser Date : XX/XX/XXXX Creditor Name : XXXX XXXX Accept Date : XX/XX/XXXX Creditor Name : XXXX XXXX Auto Fin Date : XXXX XXXX Creditor XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX 2018
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit repor, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. This failures align with my experience, where Experian has neither corrected nor removed disputed item despite the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer ( XXXX XXXX ) reached out to all credit bureaus requesting that this Bankruptcy to be removed from my credit report which is in violation like the mentioned below 15 USC 1681 ( A ) ( $ ) Infringed upon a consumer right 's to privacy 15 USC 1681 ( b ) ( A ) ( 2 ) No permissible purpose/ No written instruction I have included documentation to prove that this was not and should not be on my credit report. All information on a consumer is to be verifiable and accurate. I have tried to resolve this matter but no update to my credit report.