23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I with thru enrollment at XXXX  XXXX University-XXXX  XXXX and was sent the below via email. 

However, after returning from a work trip to XXXX, TX I became XXXX  and went to the ER with a XXXX XXXX XXXX over XXXX and was diagnosed with XXXX XXXX XXXX and spent 5 days in XXXX. After being released I took several weeks off from work to recover and change my lifestyle and was unable to attend class. I never started nor attended any class at XXXX and now I have a collections on my credit report for {$1500.00} from WILLIAMS AND FUDGE INC for Original creditor : XXXX XXXX UNIVERSITY. 

I informed XXXX  of what happened and that I would not be attending XXXX and 4 years later this show up. 

I would like this removed and for XXXX to correct this as I never attended the school. 


Hi XXXX, Congratulations on your admission and welcome to Colorado XXXX University-XXXX  XXXX! We are thrilled to have you as a student. 

You have been officially registered for the following classes : Start Date Trimester Term Class -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- XX/XX/16 Fall XXXX  Orientation XX/XX/16 Fall XXXX XXXX XXXX Before starting class, you will now need to work with your Tuition Planning Specialist. This specialist will help you finalize your financing options, submit all remaining required documents, and answer any questions you have about the tuition planning process and paying for school. 



Once you have completed the Enrollment Portal you will receive a notification to log into the Student Portal. At this time please complete your Schoology Orientation in the Student Portal. This will help you become familiar with our online learning environment, learn how to post discussion questions and submit assignments, and see what your first week will be like before class starts. After completing orientation you will be directed to complete the orientation self-assessment, which you will need to complete prior to starting classes. 



Information on finding and ordering your textbook is also available within orientation. We suggest you order your textbook from your vendor of choice as soon as possible to be sure that it arrives before the first day of class. 



Finally, you will need to verify your attendance in each of your courses by posting your introduction to the discussion board. Please post your introduction on the first day of class to ensure your attendance is verified. You will be dropped from your course at the end of your first week if there is no activity or posting in the discussion board. 



Please dont hesitate to contact me with any questions or concerns that you may have. Best of luck in your classes! 



Sincerely, XXXX XXXX Enrollment Counselor XXXX XXXX University-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Office Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/2014 Balance : {$13000.00}
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issue, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises. Concerns about consumer protection laws, and I request your assistance in investigating the matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. The List of account ( s ) below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. PORTFOLIO RECOVERY - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This company responded to the last complaint with out providing proof of written authorization and is Illegally using my credit report. I demand proof that these account ( s ) are mine.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 

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: Checking or savings account

I was charged two overdraft fees, however I had funds to cover the items.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX XXXX. Account # XXXX, Account name : XXXX XXXX XXXX XXXX. Account # XXXX, Account name : XXXXXXXX XXXX XXXXXXXX Account # XXXX, Account name : XXXX XXXX XXXX. Account # XXXX, has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS NOT DONE A PROPER INVESTIGATION ON THE HARD INQUIRYS ON MY CREDIT REPORT. SINCE THE DATA BREACH THEY HAVE NOT DONE ANYTHING TO REMOVE ALL THE FRAUDULENT INQUIRYS ON MY REPORT. I DID NOT APPLY FOR CREDIT WITH ALL THOSE COMPANYS. I WOULD LIKE ALL THE INQUIRY 'S ON MY CREDIT REPORT REMOVED NOW. 

Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all contact with me. 

If this final request does not prompt you to conduct a proper investigation of the items in question, or the immediate and complete REMOVAL of the INQUIRIES and NEGATIIVE COMMENTS from all my credit reports ( XXXX, Experian, and XXXX XXXX ) immediately. Please send proof to me of said investigation, I will file a civil suit in your county, or state for damages.
Your Company has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
Product: Student loan

I have several XXXX student loans these loans have been in deferment or forbearance since I left school and as I look back thru the records they are showing online XXXX XXXX /Navient have been charging late fees as far back as 2007 which is ludicrous. And my loans were originally being serviced by XXXX XXXX, now it is being serviced by Navient. 
I began repaying my loans this year and all my payments have been stolen to pay for fees I do n't owe. I am considering legal action against Navient/ XXXX XXXX and the dept. of Education for not doing their due diligence in monitoring these crooks. I want my money for fees credited to my loans and no more XXXX from Navient. what can you do to help?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate. The date last active is inaccurate and the last reported is not accurate.This ground for removal they also violated my rights under 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 as a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more than 90 days to complete my investigation.
Product: Credit card

Synchrony bank reduce my Sam 's club available credit from XXXX to XXXX. The bank reasons were as followed. 
XXXX. My debt to available credit ratio was too high. 
At the time my debt to available credit was 17 %, well below the 30 % that credit counselors recommend not to exceed. 
XXXX. That the amount owed on mortgages had not been paid down enough from the time they were taken out. 
I only have XXXX mortgage and I have been current for the past XXXX years. 
XXXX. Too many credits inquire. 
In XX/XX/2023 I purchased a vehicle. The dealership sent out inquires to many finance companies and banks. As a consumer I should not be penalized for seeking the best term and interest rate. Finally, Synchrony bank ignored the fact the I was never late on payments, and generally paid the balance off each month.
Product: Credit card or prepaid card

XXXX XXXX closed my account because according to them I was not using it often enough. The problem I have with that is it dropped my credit score by XXXX points. I was in the middle of obtaining a loan and I no longer qualified for and have not been able to get. 

I need for your bureau to redefine what that means how that can be corrected and see how it impacts people 's credit when the creditor has been paid all that the person utilized from them. A creditor closing an account for that reason should NEVER be allowed to transfer into HARM by making a negative impact on anyone 's credit when they do not choose or need to use a card by a specific time, which was offered to them.

I paid off that bill and others on time every time for a reason. That is one reason so many Americans are in debt, based on bad legislation and allowing companies to control policies to keep getting paid. Right now they have caused me undue harm and punishing me by the impact on my credit.

I need you to speak to congress to make it illegal for the credit bureau to lower credit scores because you have not utilized a credit card in a while that is forcing us to give companies our money when we do not need their services.?? Why are you allowing this esp.

In times like this who wants to be forced to purchase things just to hold up companies even when you do not have a current need just to have more bills.

This drop, increased my utilization rate and lowered my score preventing me from the credit that I needed to get. Now it is putting my project at a stand still as well this is unfair and should be illegal it is forcing us to work more to pay for thing we don't need. It is a system parallel to slavery which is controlled by the credit card companies and the credit bureau.

The credit bureau and that company needs to be held accountable for even instituting that conspiracy to keep people spending or have them paying a price for not spending with them.

You need to do something to fix this mechanism and force the credit bureau to replace those scores and to not have the approved credit amounts to be removed from anyone 's credit. The economy needs to flow it can't flow if people can't borrow because they paid off old debt until money is available again. If a person closes an account they no longer want the credit bureau should reflect the level of credit they were approved and the length of time they had the card and it should never become a negative impact credit hit to lower anything it should just be silent or if anything it should reflect a paid as agreed and be a positive on the report that can not be removed for seven years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

On XX/XX/2021, I sent a letter regarding inaccurate information on my credit report to the reporting agencies. To date, it's been over 45 days and I have yet to receive a response. My disputes have been ignored and I've grown very frustrated with the lack of action. 

FCRA Section 611 ( a ) states that a failure to investigate these items within 30 days is a valid reason to immediately remove the disputed information from my credit report. It has been over 45 days and I'm requesting that the information be removed immediately or I plan to pursue litigation. 

Additionally, my information was impacted by the XXXX data breach and may have been used fraudulently.
Product: Checking or savings account

i noticed on Wednesday, XX/XX/XXXX the day i get paid with early deposit of {$1100.00}, that my XXXX didnt upload and i called a series of times that day and Thursday and got no answers to what is going on with my money. Auto payments are bringing my account into the negatives and its a XXXX day weekend with Monday being a bank holiday. Capital one has cited technical issues, which XXXX violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and i request your assistance in investigating this matter to ensure my rights are up held, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XX/XX/2020 I spoke with a rep for payment hardship during Covid 19 As I required assistant I reached and I was offered assistance which allowed me to make a lower payment without reflecting as late, until current. XXXX XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It  appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : 1- 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 Unauthorized inquiries : XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inaccurate employment : XXXX, XXXX XXXX XXXX XXXX Incorrect name : XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX XXXX Chase Home Finance LLC reported to XXXX  that my Home Equity Line of Credit balance was changed from {$25000.00} to {$0.00}. Though this balance was updated in XX/XX/XXXX the report states that it was updated XX/XX/XXXX. This account had been Charged off XX/XX/XXXX and is now reporting Charged off XX/XX/XXXX. 

On XX/XX/XXXX Chase reported to XXXX  a balance of {$0.00} and that the account was ( Charged off / {$25000.00} written off ) with a status date of XX/XX/XXXX On XX/XX/XXXX Chase Reported to XXXX  a balance of {$25000.00} account with charged off status and Date Closed XX/XX/XXXX On XX/XX/XXXX Chase reported to XXXX  a balance of {$25000.00} and charged off account status. On XX/XX/XXXX Chase reported to XXXX  a balance of {$0.00}. 

When Chase update the report to XXXX  XX/XX/XXXX they updated the balance to {$0.00} they also deleted the date the account was closed. The date closed was reporting XX/XX/XXXX. Now the XXXX  Credit Report is being seen by XXXX  and creditors as being open with a charge off date of XX/XX/XXXX. Though this was charged off XX/XX/XXXX. This also caused my XXXX Score to drop significantly. 

These actions coincided with me applying for a mortgage preapproval XX/XX/XXXX. 

I contacted Chase about this account and told them the account was reporting as open and a newer charge off date of XX/XX/XXXX they said that it is being reported correctly across the reporting agencies. They told me the information must be misinterpreted by a lender if they think the account is open since the account has a charge off status and no payment since XX/XX/XXXX. 

My issue with this explanation is they are aware that the information being reported will be misinterpreted as incorrect. Also with a date of status of XX/XX/XXXX for chargeoff how would any one know that it was actually charged off in XXXX. 

I disputed with transunion about the issue with the date closed being removed along with documentation of the incorrect date being reported for Charge Off Status and they responded that they verified it belongs to me. This leads me to believe that they did not investigate since I never disputed that it wasn't mine. 

My complaint is with XXXX and Chase Home Finance incorrectly reporting. XXXX  and XXXX are not an issue.
Product: Checking or savings account

On XX/XX/XXXX, there was a charge for {$2400.00} debited on my account. I called chase to file a claim and they gave me a credit for my money back. A week and half or so later, I get another charge, this time for {$3000.00}, same merchant. {$5400.00} in less than 2 weeks or so. I called chase to file a claim again, but they denied the charge for {$3000.00} claiming they found " no evidence of fraud ''. I am 100 % positive that if I were the one using {$3000.00} of my money on something, I would be aware of it. Just today, they reversed the claim for {$2400.00} citing there was " no evidence of fraud ''. As a bank you really can not do that and just XXXX your customers over ... .thats why people change banks. I called customer support and they were of no help really ....