23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am asking for an application to submit for student loan forgiveness. I was denied via email. My school, XXXX XXXX XXXX XXXX XXXX XXXX XXXX down due to unlawful tactics and for profit gains. They have had multiple lawsuits, loans forgiven, and are no longer in existence. My federal loans have been XXXX because of these tactics, and I have made payments throughout the last XXXX years. I am asking for my loan to be reviewed as I feel the school used aggressive and deceptive recruitment tactics, pressuring me to enroll and take out loans, while discouraging me from discussing my decision with family and friends. I was XXXX at the time, and my family was not educated financially when it came to my decision. The school made untrue or misleading statements to persuade me to attend, and I feel, through the facts of the situation, I should receive an application. This is for my private loan that Navient is now offering this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I requested that TransUnion investigate and validate the following accounts reporting on my credit report : I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) 3. XXXX ( Acct # XXXX ) As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be immediately removed from my credit report within 30 days. On XX/XX/2020 I advised TransUnion that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX XXXX Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) 3. XXXX/XXXX  ( Acct # XXXX ) On XX/XX/2020 I advised TransUnion that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) 3. XXXX/XXXX  ( Acct # XXXX ) On XX/XX/2020 I advised TransUnion that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) 3. XXXX ( Acct # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with
the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against the credit agencies, Equifax and XXXX. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, XXXX XXXX XXXX failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to XXXX XXXX XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I'm obligated to pay them anything. 1. Identity of the original creditor. 2. A complete payment history. 3. Documentation that any collection fees were added pursuant to the original lending agreement. 4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them. 5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account. 6. A verification or copy of any judgment, if applicable. 7. Proof that the Statute of Limitations has not expired on this account. 8. Proof that you are licensed to collect in my state. They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b. I have checked with that Arkansas State Board of Collection Agencies and XXXX XXXX XXXX is not licensed to collect debt in Arkansas.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint is regarding Credit Plus and XXXX. They placed two unauthorized inquiries on my credit on XX/XX/2019 and XX/XX/2019 they have removed the inquiry on my XXXX report but not the other inquiry on my XXXX credit report date XX/XX/2019. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XX/XX/XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Payday loan, title loan, or personal loan

This company sent me a letter saying I will be getting a refund back. The reference number is on XX/XX/XXXX, our Bankruptcy team initiated a refund for {$340.00} on XX/XX/2023 ( reference number XXXX. 


They lied and I don't have the money
Product: Credit reporting or other personal consumer reports

Recently I looked at copy at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my undestanding that you Will investigate these item for me tu ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
XXXX / XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account has not been verified so I should not be liable for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion Credit report has an unrecognized and unauthorized Hard Inquiry. I would like it explained and corrected. I am basing this information off my XXXX XXXX account. Thank you! 

Date of Hard Inquiry : XX/XX/2017 Unauthorized Institution that Inquired : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX
Product: Debt collection

I have contacted the agency Rash Curtis and Associates, XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX regarding an alleged debt of {$46.00} on my credit report. I was seeking verification that the debt was mine, and if it was indeed mine I wanted to pay it. They repeatedly denied my requests to provide any verification that the debt is actually mine, and only asked multiple times if I would like to pay by debit, credit card, etc. I do not believe I owe this debt, but they are neither willing to verify the debt is accurate or remove it from my credit report.
Product: Debt collection

I saw a collections account from XXXX XXXX pop up on my credit report for past due XXXX XXXX service. I called them and they said it was tied to an address in XXXX XXXX ( I live in XXXXXXXX XXXX  ). 

They asked me to send them a police report and once I did the debt would pass back to the original creditor for investigation. I sent the police report and never heard back from them. When I called a week later, they said there was no longer an account under the original account number they gave me. 

I tried calling XXXX XXXX but since I never had an account, I don't have an account number and they are unable to verify anything without it. 

Then I received a letter today from another collections agency called IC Systems to my real address which I had given to XXXX XXXX for correspondence. It is the only way they could have gotten it. This was regarding the same debt, so it appears that XXXX XXXX just sold it to another agency. 

Now I am disputing the debt with the new agency, but I am afraid this is just going to continue and the collections are on my credit. My last name is not spelled correctly, and the address of the original account with XXXX XXXX is in XXXX XXXX. It is fairly easy to see that this is fraud, which is most likely why XXXX XXXX got rid of it right away after receiving the police report.
Product: Credit card

My Bank of America master card ending in XXXX and XXXX were both closed by the bank because they said I had too high balances on my other credit cards as they must have viewed on my consumer credit reports. HOWEVER, this was just a temporary situation where I used a lot of my credit and have already paid almost all of it off. If the bank would just wait a month and run my consumer credit again they would see that I have paid off almost all of my balances, which demonstrates financial STRENGTH.
Product: Mortgage

I refinaced my home in 2016 with Ditech. I was promised a much lower payment. Which how I got that lower payment is an issue I found out at the end of this year. In 2016 I was paying {$640.00} a month in escrow. I even got an escrow refund of {$440.00} dollars because they made it seem like I overpaid. Did not really stop to think about it. The new mortgage they charged {$420.00} for escrow even though nothing changed in my taxes or homeowners that they were aware of. So come the end of this year I have a {$2400.00} escrow shortage. Which will bring my payment back up to where I was before the refinance. The only reason I can see for them charge so much less escrow when the bills were the same was to keep the promise of a lower payment for 1 year and now my payment goes up XXXX a month. XXXX for the escrow I should have been paying and XXXX more for the escrow that I am backed up. I feel that was a deceptive practice to try and convince me to go ahead with the refinance because my previous mortgage was discharged in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX account # XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccuracy of report with many violations open XX/XX/2019 for {$17000.00} I asked of the violations to be removed as many are occurred. I have uploaded all documents needed to show of proof of violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TransUnion Credit Reporting Agency, & XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1666b. They did not notify me 21 days before my payment date on any of the four accounts they reported late payments on.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure tha
t each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I think FCRA 605B requires us to delete any incorrect accounts from my credit report. Can you please review the documents? Some of the listed accounts have inaccuracies in terms of reporting, with incorrect amounts and dates being reported.
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. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00}.
Product: Credit reporting or other personal consumer reports

Experian llc. 15 U.S 1681i 1681i ). For example, the investigation must entail a review of all relevant information, and XXXX XXXX XXXX must " correct, modify, or delete that item of information '' if it is found to be inaccurate or can not be verified, and " maintain reasonable procedures to prevent the reappearance of the information.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 inaccurateAny person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greaterBy way of background, FCRA Section 604 ( a ) ( 15 U.S.C 1681b ( a ) ) establishes the circumstances under which a CRA may provide a consumer report to a user. Specifically, the CRA must have reason to believe the user has one of several enumerated permissible purposes for obtaining the report. they refuse me of my right they accoring to these accounts thats was under id theftIt is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection ... these account voliated my right acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$750.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$280.00}. 
XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$58000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXXXXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
XXXX XXXXXXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's giving me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank and XXXX responded on a cfpb report stating they did not provide the reporting therefore based on XXXX XXXX Bank and XXXX response i demand account get deleted from my Chexsystems file ASAP See the cfpb cover page with cfpb number screenshot As XXXX XXXXXXXX XXXX And XXXX to provide the report and response
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX 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

Experian has failed to fulfill its legal obligation, under the Fair Credit Reporting Act ( FCRA ) to conduct a responsible reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers dispute outcomes. These failures align with my own experience, where Experian has neither corrected nor removed the disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts as a Experian inaction violates federal law and my rights as a customer.
Product: Credit card or prepaid card

I paid my balance in full to Barclay over a XXXX dollar in XX/XX/2022, I was reviewing my emails and notice an email from Barclays stating I had a balance of {$71.00} this was so confusing to me sense I paid my balance in full. Call Barclaycard the first rep left me on hold for over 20 mints, I called again and I have this gentleman who was very nice, he extra lain to me the reason I have a balance and I explained to him that I should not have a balance since I paid my credit card in full, he try to remove the fees but require a manager, after a few minutes he came back and told me his manager wave Si e fees but not alll of them, I had to pay {$34.00}. I was very upset and still am, i have really good credit, always paid more than the minimum payment, I had always been on time with them and for them to treat people like that, I close my account with them, but some one has to let others know of the bad credit cards companies
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 


These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Payday loan, title loan, or personal loan

I receive regular emails from an entity called " ACE Cash Express '' claiming that I owe a loan installment -- see below : XXXX, We'd like to remind you that a payment of {$170.00} is due on XX/XX/2018 at the ACE Cash Express located at XXXX XXXX XXXX. 

If you have any questions, please don't hesitate to call us at XXXX. We'll be happy to help. 

Sincerely, ACE Cash Express XXXX XXXX XXXX XXXX XXXX, KS XXXX This is a fraudulent claim because I have no loan from ACE Cash Express. I've called the phone number to explain, but I continue to receive the emails. I'm concerned that this may be affecting my credit rating.