23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attended XXXX XXXX from XX/XX/XXXX in the XXXX. They promised me competitive job wages, job placement and above all affordable loans. When i was about 6 months into the program i had acquired a decent job, and was unable to get anymore federal loans and decided i was just going to quit the program and cut my losses.. They informed me that if i dropped out i would be held responsible for the entire cost of the program without obtaining my XXXX degree, and not to worry because the loan payments were very affordable and kept urging me to apply. They were constantly pulling me out of class to discuss loan information. I didnt want to get kicked out liked they had threatened, so i continued to apply for these loans. They assured me they had other " affordable '' loan options thru a private company called XXXX, a.k.a., peaks loans. When i had to start paying back my loans, the payments were way too high to afford. The only options they gave me was 6 months deferment, and a graduated payment plan that only applied to XXXX out of the XXXX loans, and were still XXXX a month, with an increase every six months. I told them I couldnt afford that either, and they asked what i could afford. At the very most, XXXX a month was it, to which they replied id default on my loans. I asked what would happen if i just sent in payments, they told me it wasnt even enough to cover the interest and they would pursue collection action. They kept telling me the wages in this field were very competitive and that i would have no problem paying back my loans. Once i started getting phone calls from XXXX, they were rude and i felt like i was getting calls from a collection agency. When i tried to call the school and talked to the person that was in charge of my paperwork iwas always told they were unavailable and to leave a message. Of course, i never got a call back. I wanted to know why i had signed paperwork for loans that were supposed to be affordable but werent. The starting wages for this position were mostly at 10 dollars an hour, barely above minimum wage at the time! I have a family to provide for, I couldnt afford that let alone, make high payments with high interest rates. Ive read so many stories like mine and it makes me angry that they bullied me into something i could have and tried to avoid. Right now im trying to consolidate my federal loans because i cant even afford those either, If theyd been honest with me about dropping out i wouldnt be in this situation. Id also like to add that the schooling was mediocre at best. There were times in some classes when our teachers would tell us to just " XXXX '' something instead of actually teaching us. This school was a joke and has completely wasted my time and now ive thrown away XXXX dollars of my money im going to have to pay back.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 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 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 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: Credit reporting or other personal consumer reports

Dear Experian, I am writing to dispute the XXXX tradeline account associated with my name and Social Security number. This account was opened without my knowledge or consent, and I believe it is a result of identity theft. 

On XX/XX/year> discovered the unauthorized XXXX account while reviewing my credit report. I have never applied for or used XXXXXXXX XXXX services, and I did not authorize anyone to open an account in my name. 

I request that you immediately remove the XXXX tradeline account from my credit report and take steps to protect my personal information from future unauthorized access. I would appreciate it if you could also provide me with a confirmation in writing once the account has been removed. 

I have contacted this company multiple times to advised them my inform was published to this bureau without my consent & fraud but their not doing anything to resolve my issue and asking that I speak with you guys. No one is doing their due diligence and prolly send my proof that this is my account and removing this information. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystem is reporting inaccurate bank account data on me and they do not have my written consent to report any information. There are inaccurate addresses and other personal information in the report. 
The bank, XXXX XXXX XXXX is an unreliable source. ChexSystem does not have permissible purposes to report any information on me as a consumer.
Product: Checking or savings account

On XX/XX/year> I made a deposit at East West Bank in XXXX XXXX, CA via a check given to me and they stated they would put a hold on it till the following Tuesday to clear it. Also I transferred {$3800.00} to my XXXX account. 
Today on XX/XX/year> I contacted the East West Bank and was told the check is still on hold, and they didnt know where the {$3800.00} went as they had transferred it to the XXXX account! I called XXXX and they still do NOT have the money so not only {$3800.00} is missing but so is the check I deposited to East West Bank. I spoke with a XXXX XXXX at the East West Bank and he hung the phone on me and he was supposed to be the supervisor! I need help locating my money with East West Bank in the XXXX XXXX branch!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

I don't understand why CFPB continues to mark my complaint as duplicate. Wise has never provided me information on reversals they made whatsoever. By law they have to provide the details of what reversals were made if they decline to refund me the balance after closing my account. I have reasons to assume that no reversals were made as none of my clients confirmed that Wise reversed any payments after closing my account. So I suggest Wise either providing tangible proof with dates, amounts, and the names of the payments that were reversed, or I inquire to refund all the balance that was confirmed on the date of account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT RECOGNIZE THIS COMPANY nor the Original Creditor thats showing. I've disputed in both XX/XX/XXXX and XX/XX/XXXX the account and it came back verified. I have requested method of verification on XX/XX/2018 for this account of XXXX XXXX XXXX XXXX was told to contact the creditor. Based on FCRA 611 ( a ) ( 2 ) ( B ), I was supposed to receive all of the relevant information used in the investigation to " verify '' this as a valid debt/account belonging to me. I only received a notice telling me the account was verified and to contact the creditor. WHICH I HAVE and they have NOT been able to send me any valid documentation that they own or have right to any accounts belonging to me. If this is unresolved, I do plan to contact the XXXX XXXX XXXX and the FCRA about the false information that is remaining on my report without any validation or verification that it belongs to me.
Product: Credit reporting or other personal consumer reports

re : XXXX XXXX, XXXX XXXX, XXXX XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts { LIST ACCOUNTS HERE } pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Debt collection

Ford motor company sold my account to a third party collection agency without my knowledge.. Selling or transferring debt from one creditor or collector to another can happen without your permission. However, it typically doesn't happen without your knowledge. By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collector 's initial attempt to contact you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with Costal Credit LLC, I was hit by a XXXX XXXX XX/XX/XXXX. XXXX XXXX paid my loan off to Costal Credit LLC and my Gap insurance paid the difference between the loan. I have been trying since XX/XX/XXXX to get Costal Credit LLC to update my account as paid and they have refused to. 

I paid off my balance with XXXX XXXX credit card in XX/XX/XXXX, for the remaining amount of XXXX XXXX The accounts total balance was XXXX XXXX PAID IN FULL. As of XX/XX/XXXX they have reported that my account is unpaid and in collections.
Product: Credit reporting or other personal consumer reports

I would like to follow up in regards of my previous dispute and I recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review and help me these items to be removed as soon as possible in my credit file : XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX  institution did fraud and identity deft on my name. And possibly shared with that XXXX and unknowing experian, XXXX, XXXX. This four XXXX companies are holding my information without my consent.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX Balanced {$12000.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$0.00}
Product: Credit card

XX/XX/2022 RQUESTED CANCELLATION OF LOST AMERICAN EXPRESS CARD. HAVE BEEN IGNORED SINCE XX/XX/2022. - CARD HAD OVER {$20000.00} IN EXPENSE 'S
Product: Debt collection

I received the letter I have submitted today from a company called ARA. It says the original creditor is XXXX ( which I have never had an account with ), and I owe them over XXXX. I would like to see the original credit docs that I signed to obtain this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my XXXX XXXX credit card with a XXXX balance ( sold in XX/XX/XXXX ) changed to a charge off with a balance remaining of {$4400.00}. I disputed this item with XXXX XXXX and they verified it as accurate and updated the XXXX XXXX tradeline as dispute resolved with grantee. This tradeline is inaccurate and extremely damaging to my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment on this XXXX XXXX for months. XXXX and XXXX   have reversed them but Transunion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my consumer report that are reporting with inaccurate information. These accounts are reported as late payment and potentially negative ( violation against 15 USC 1666b ). When in fact, TRANSUNION did not conduct a full and proper investigation to conclude that these accounts were accurate ( violation against 15 USC 1692g ). I never consented to this inaccurate information to be furnished and it is infringing upon my right to privacy when they did not give me a clear and conspicuous option to opt out of sharing my non-public information ( violation against 15 USC 6802 & Privacy Act of 1974 ). Going against these law can be fined in a civil matter if TRANSUNION does not correct these accounts INQUIRY : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My Name is XXXX XXXX Capital One Quicksilver credit card costumer account # XXXX XXXX. On XX/XX/2018 I open on the line an credit card account with an promotion bonus of {$150.00} Bonus Earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. I was qualified and in the three weeks I received the card which I activated. I spend it more than {$500.00} on purchases within 3 months from account opening and waiting the bonus to be posted on my account but that never came. I call customer services to see why those bonus never posted on my account. And customer service stated that you really apply it for this card but we decided to give you a card named Capital One QuicksilverOne which doesnt gave you the promotion bonus of {$150.00} Bonus Earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening but only 1.50 % cash earning. I think that Capital One Quicksilver credit higher management, purposely posted false advertisement by confusing customers and do not keep their promises or advertisement and cheating customers. Shame on those banks that do anything to make profit by posting false advertisement. Due to this situation I closed my account but Im looking for reimbursement. This card now is linked to another card number # XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed an account reported by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/year> that the item was deleted from my credit report through your secure portal. 

N

ow I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. I also spoke with a
representative of TransUnion Via chat and was advised it was never actually never deleted and no date of reinsertion. I attached a copy of this conversation, the dispute results that states it was deleted. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I Herby Demand that you immediately delete these items from my credit report in order to avoid legal action. I have you in record violating 3 FCRA laws. Please govern yourself accordingly.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred {$370.00} from my Wells Fargo XXXX account to XXXX XXXX ( XXXX ) to purchased concert tickets from an ad on XXXX As soon as the money was transferred he disappeared and there were no tickets transferred to me. Many attempts were tried to contact him but to no avail. The phone # he was using is XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/24 a letter was sent to Equifax discussing a few COLLECTIONS ACCOUNTS that i needed to dispute and they have received my letter per my records and have yet to respond and acknowledge my request i also sent all necessary documents to identify myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX account # XXXX and amount of {$690.00}, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX, has violatXXXX 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
Product: Checking or savings account

I tried to access my chime account and it said I could not sign in because it was closed. I called customer support and was told it was closed for inactivity but no one ever contacted me. My checking account previously had {$100.00} that noted that {$100.00} was withdrawn as adjustment ( not noted as a transaction ). My savings account still had the same amount of XXXX $ in it. 

I said I wanted to close my accounts and have my money returned to me. I was told they were closed and I have 5 business days to withdrawal the money from an ATM. I was also told I can not transfer the funds to another bank and I will need to request my & XXXX with the state as unclaimed property. I have searched with the states website and there is no unclaimed property for me and chime never attempted to contact me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information in my credit report in violation on the Fair credit report Act. The following inquieres are : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX