23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To Whom It May Concern : On or about XX/XX/XXXX, I received notice that the school I was currently attending, The XXXX XXXX XXXX XXXX, filed Bankruptcy, Chapter XXXX. 

Monday, XX/XX/XXXX I received my bankruptcy letter in the mail.

Wednesday, XX/XX/XXXX at the end of my XXXX  class my teacher informed my class that there is a letter that can be signed by us students saying we were told all of our options ( I didnt receive a letter that day ). 

Monday, XX/XX/XXXX at XXXX XXXX I emailed XXXX XXXX who was the head of the XXXX XXXX department, about setting up a meeting for Wednesday, XX/XX/XXXX at XXXX XXXX  to discuss the school closure and student options. 

XXXX XXXX responded on XX/XX/XXXX at XXXX XXXX to confirm the meeting for Wednesday the XXXX at XXXX XXXX  Wednesday, XX/XX/XXXX I had a meeting with XXXX  XXXX. In the meeting, I was informed of different ways to handle the school shut down and going over credits that I would have to transfer. I also received the student options paper that my XXXX teacher mentioned at the end of class ( the paper was not signed ). The Loan discharge was not a topic we talked about during the meeting. 

Wednesday, XX/XX/XXXX was the first day I noticed that the school started to liquidate. I went to attend the school computer lab, the doors were locked and the computers were getting packed up. 

Wednesday, XX/XX/XXXX. XXXX  department and other departments of the school were being liquidated. The school was giving away XXXX  uniforms and other XXXX. 

Tuesday, XX/XX/XXXX was supposedly the last day of full my full XXXX XXXX XXXX class. My teacher XXXX  XXXX notified the class to let us know to just come back on Wednesday, XX/XX/XXXX at XXXX XXXX to take our hour-long final. The classes were originally supposed to last until XX/XX/XXXX and the school officially closed at the end of XXXX. 

My original plan was to graduate from the XXXX XXXX XXXX XXXX   XXXX  with a XXXX XXXX XXXX because of the school 's convenient location from home and its XXXX XXXX XXXX XXXX XXXX XXXX opportunity. 

After getting the news, I realized that my current registration status would not allow me to complete a degree before the XXXX XXXX XXXX XXXX  closed its doors permanently on Saturday, XX/XX/XXXX. 

I have attached the required application for a loan discharge along with the Chapter XXXX bankruptcy letter that I received in the mail. I have also attached the option letter that was offered to me in XX/XX/XXXX. None of the option were reasonable or affordable for my residential status. 

I was unable to complete the full program because of the schools closure and all of my hard earned student credits are not transferable. 

Unlawfully, the XXXX XXXX XXXX XXXX, XXXX Virginia continued to receive my federal student loan payments after filing for bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN REQUESTING THAT THE CREDIT BUREAUS VALIDATE THESE ACCOUNTS REPORTING TO MY CONSUMER REPORT AND ALL THEY DO IS SEND ME A RESPONSE SAYING THE ACCOUNTS WERE VERIFIED WITH NO PROOF. THIS HAS GOTTEN VERY ME VERY ANGRY AND UPSET BECAUSE I KNOW THEY ARE NOT FOLLOWING THE LAWS THAT I'VE BEEN READING AND VIOLATING MY RIGHTS AS A CONSUMER.
Product: Debt collection

PORTFOLIO RECOVERY A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) has failed to send me a response with my requested information for alleged collection account XXXXwithin the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX  mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX. Now that I contact this company about this alleged debt there is no response?? 


furthermore PORTFOLIO RECOVERY A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX on XX/XX/2023 verified a credit report as accurate then changed as not specified whenever I reported self lender sunrise bank as not accurate because they put I owed them XXXX $ out in my name and it has now damaged my credit by XXXX points. I hadnt had the account for not longer than 3 months and they tried to say I had an account with them for enough to miss XXXX $ worth of missed XXXX $ monthly payments. Every time I tried to request investigation measures XXXX took the website would block me.
Product: Credit reporting, credit repair services, or other personal consumer reports

previous XXXX compliant No form of verification was provided to me. These account must be deleted because i know you dont have my original signature on anything. This is breaking the law.
Product: Checking or savings account

Hello, My Name is XXXX XXXX. I am writing to you regarding the custodial account ( XXXX ) I opened with Merrill Lynch Investments. When I opened an account, I remember asking them if I can withdraw the account before beneficiary turns XXXX and I was told yes. And as per my understanding back then, when they said " yes '' I thought until my kid turns XXXX ( they mentioned XXXX but looks like that age varies based on state, XXXX for Illinois but they never mentioned me that, from my research I learnt its XXXX for IL and not XXXX ) me or my kid can use the amount and withdraw it as needed. And this was misinformation provided to me and they should have been more specific that you can withdraw as long as it is for benefit of minor. Me and my XXXX have been saving this money ( almost XXXX XXXXXXXX ) for almost 15 years to purchase our dream home and all our thoughts are cut down now. My kid is only XXXX XXXX and we were literally thrown under the bus. Since I wasn't provided correct info, and with understanding that I can withdraw the amount whenever I needed ( purchasing a home ), I moved all my money from my savings account to custodial account and I am stuck now. I tried to work with XXXX to have this transaction reversed and they said we can not help and we will not reverse. After trying all options, I am raising a complaint against them to have this transaction reversed as I did transfer all my savings into custodial account based on misinformation provided by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A. Between XX/XX/XXXX and XX/XX/XXXX I consecutively disputed the amount owed to The Department of Education XXXX, with XXXX XXXX Equifax XXXX XXXX XXXX and Consumer Financial Protection . During that time The Department of Education XXXX furnished LATE PAYMENTS ( 6 ) for each of those months. After fighting for 2 years the alleged balance was FINALLY updated in XX/XX/XXXX from {$5400.00} to {$7200.00}, and my late payments remained. 

B. The Department of Education XXXX is still reporting my account inaccurate. The company is reporting a BALANCE of : {$7200.00} and a HIGHEST BALANCE of {$5400.00}. 
The way this amount is being furnished is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX XXXX. Balance : {$3900.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX : {$9000.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX . Balance : {$5000.00} ; DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$8800.00} XXXX DEPT OF EDUCATION/XXXX XXXXXXXXXXXX XXXX Balance : {$3900.00} XXXX DEPT OF EDUCATIONXXXX XXXX XXXX. Balance : {$5300.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 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 of 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, and accounts that do not belong to me. Please block the accounts that are misleading and incorrect in my file. 

Here are the aforementioned accounts : XXXX XXXX  XXXX XXXX  : {$1600.00} XXXX  XXXX XXXX  XXXX XXXX  : {$480.00} XXXX XXXX XXXX XXXX XXXX : {$660.00} This complaint is a follow-up to my previous complaint dated : XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Early Warning Services , LLC has violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. This entity also violated 15 U.S. Code 1602. Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. It clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I have communicated with Early Warning Services , LLC supplying them with the following : Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, un-written, verbal, and non-verbal per 15 USC 6802 ( b ). I do not give you permission to access, use nor house my information and any such use is in violation of 18 USC 1028A Aggravated Identity Theft. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency nor notification that Early Warning Services had possession of my information.In addition, 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authorization - F.T.C. Violation. Early Warning Services , LLC is committing identity theft. Which is ILLEGAL. Furthermore ; they are storing PRIVATE banking information in their system which is owned by A PRIVATE TRUST which has the EXCLUSIVE EQUITY of that data. The following violations are being broken by Early Warning Services LLC. 1 ) FCRA and GBLA violations 2 ) Negligent Enablement of identity theft and fraud, 3 ) Willful noncompliance 616 Civil liability for willful noncompliance ( 15 USC S1681n ). The State of Florida laws that are being broken are XXXX XXXX. 
Section XXXX Criminal use of personal identification information XXXX XXXX XXXX Unlawful possession of the personal identification information of another person.
Product: Debt collection

Send Capital One several FOIA request regarding this alleged debt, however no response. No documents were provided to me. No notice of Dispute to the credit bureau. XXXX to be specific. This is a clear violation of the FDCPA, FCRA by not follow both federal and state laws. 

Federal laws violation : 15 USC Code 1601 Congressional findings and declaration of purpose ( a ) ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. 

Federal laws violation : 15 USC 1681 e-Compliance procedures Federal laws violation : 15 USC 6802 Obligations with respect to disclosures of personal information. 
Federal laws violation : 15 USC 1681a- definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) ( ii ). 

I have the documents dates, Credit reports dates and certified mail XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I went to my post office box to find a letter from Credit Control LLC informing me of a debt I owed back in XXXX XXXX XXXX or better yet XX/XX/2004 this should not be even be brought up anymore it's been way past 7 years so I don't know if this company is tangible because around tax time I get fraudulent calls threatening me to take me to court about various things I owe don't ever identify themselves or anything and I find it strange that this company is like being on a debt owed back in 2004 they have threatened to sue me if I don't answer hopefully after you inform them that they have no legal action with this debt you will prop them the respond 2 me that is been canceled and no further contact will be made
Product: Credit reporting or other personal consumer reports

Hey, I've been disputing fraudulent and inaccurate information on my credit report for over 30 days now. I haven't heard back from the credit bureaus or creditors who are furnishing this improper data on my report. I've also noticed miscellaneous inquiries on my credit report, accounts that say " closed '' yet are in collections, and reporting late payments. My next step was to contact CFPB and legal counsel for the credit agencies who are being negligent by illegally reporting False, Fraudulent data on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$31000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$31000.00} 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 of 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

I just received notification from Equifax that they completed and investigation and a prior debtor reported TO THEM that the erroneous information from XXXX XXXX is accurate. Equifax further advised me to contact XXXX XXXX directly to address this matter. The problem is that I have already done that and XXXX XXXX confirmed there are no current debts and they also followed that confirmation up in writing. I have sent that confirmation to both YOU ( CFPB ) and Equifax. The company ( XXXX XXXX ) confirmed today that they did not go back and change any information in their system and that my debt has still been cleared. They advised me to seek legal action against the reporting agency ( Equifax ) since they have updated their records and notified Equifax. I have attached the confirmation from XXXX XXXX once again. This problem has gone on long enough. I have proof andI will move to enforce my legal rights immediately if this is not rectified. This will also include seeking substantial damages due to the fact that this negligence from CFPB and Equifax has now cost me a job offer and several potential apartments for myself and my child. I can not tolerate this anymore.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. The information being reported is not in any relation to any transaction conducted by myself.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX  BALANCED {$290000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX Email : XXXX Phone : XXXX Date : XX/XX/2024 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Representative XXXX Subject : Verification of Identity and Resolution of Third-Party Access Issue I am writing to provide the necessary documents for verifying my identity and to address a concern regarding third-party access to my online consumer report. 

Enclosed, you will find copies of the following documents : State-issued driver 's license Social Security card Recent utility bill I kindly request that you review these documents and take appropriate action to resolve the issue of third-party access to my online consumer report. 
while It is important to me that my personal information is protected, I appreciate your prompt attention to this matter. 

If you require any additional information or have further questions, please do not hesitate to contact me at XXXX or via phone at XXXX. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I had leased from XXXX an XXXX until XX/XX/year> when I returned the car as my Lease was complete. My wife and I decided to purchase her next vehicle from XXXX as that is where our sales XXXX went. Nothing was wrong with this car when I returned it. I have tried to dispute a payment of {$500.00} with credit bureau XXXX XXXX XXXX as this payment is because I did not lease or purchase another vehicle from them. As my friend who use to work for them told me. I even called to ask what the charge was and the person who I spoke to a while back didn't have any answers. All payments were made on my lease and it still shows on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$47000.00} ;
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are reporting incorrect information on my consumer report on the account listed as XXXX XXXX there are several inconsistencies yet each credit bureau responded that the information was validated and verified. I would like the evidence used to make this determination. Under FCRA I have a right to dispute this information if it is deemed incorrect which it is. Neither credit bureau has provided me with the information that I have requested. 

The inconsistencies are : High Balance {$29000.00} {$29000.00} {$33000.00} Last Verified : XX/XX/XXXX - - - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - - - Creditor Remarks : Charged off as bad debt Profit and loss write-off Voluntary surrender. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

i made XXXX payment {$1500.00} on XX/XX/XXXX, i made XXXX payment {$1500.00} on XX/XX/XXXX, i made XXXX payment {$1500.00} on XX/XX/XXXX, all XXXX they applied my XXXX payment as a mortgage payment. which is correct, they applied my XXXX payment as a mortgage payment. which is correct. but they applied my XXXX payment as additional principal which is NOT correct. I discovered it because i was about to pay XXXX payment. i called three different days and talked to three different clerks. monday, XX/XX/XXXX, talked to XXXX at XXXX. he said it would be fixed in a few hours. tuesday, XX/XX/XXXX, i talked to XXXX at XXXX. she said that she couldnt do anything because its processing from monday. wednesday, XX/XX/XXXX, i talked to XXXX at XXXX, she stated that's she was having problems processing it and wanted my phone number to call me back when it was completed. i've had trouble with this company before and its not a good company. my opinion from being a mortgage holder. i need them to correct the last payment on XX/XX/XXXX and apply that for the mortgage payment as i had submitted it on their website. i submitted as a mortgage paymt. but someone changed it to additional principal. as you can see, they all are the same mortgage payment amount. i want them to fixed the ( error ) so that i can make my XXXX payment. the company action to fix it never happened.