23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Based on information provided by XXXX I sought to seek enrollment as a fulltime student at the XXXX university to pursue a XXXX XXXX XXXX XXXX XXXX. Based on expected cost & information provided states tuition & fees ARE NOT billed at the cost per credit hour of {$600.00}. In addition, pre-generated predatory loans with XXXX though Great Lakes Borrowing based on Truth in Lending Act includes fees for the school application of which was previously settled months prior to enrollment. Total amount billed with Great Lakes include Cost of course/ fees for classes I as a student never enrolled, gained education, or scheduled. 

Transcripts of prior courses were provided and approved by the institution before enrollment for credit adjustment to decrease original loan amount for cost of transferrable credit. While enrolled as a Full-Time student all Department of Education Subsidized, Unsubsidized, and Scholarships were applied to Tuition. It was advised if I wish to obtain additional funding for expected living/outside expenses private loans were required, as additional funds received by University would deflate institutional awarded scholarship that is non-cash redeemable. 

With intensive recruiting by agent XXXX XXXX, there was an urgency to begin classes sooner than expected as all documents were secured with appropriate departments. Special structure of program allows access to classes taken online until arrival at the XXXX. After speaking with several other students who were not aware of the process it was determined many students originally failed the online introductory XXXX credit hour course, which is designed for campus resulting in {$1800.00} pay to retake fee. 

Lack of independent accounting practice as done by XXXX and XXXX XXXX, has afforded XXXX to negatively impact student & parent consumers credit with students who are billed {$45000.00} for courses and a negligence to mention approximately {$17000.00} unmet need with Department of Education as expectation of private loans by parent plus or cosigner are to meet student living arrangements. 

After addressing wishes to suspend having loans billed as I would not be attending classes XXXX XXXX continuously billed Great Lakes from XXXX with out approval. 

XXXX XXXX, XXXX I received an email stating XXXX XXXX University reconciled records to determine a XXXX Refund Check was due in the amount of {$1.00} from loans disbursed to the University by Department of Education from Fiscal Year of XXXX for expected associate cost of obtaining a education while attending classes XXXX hours a day 6 days a week. 

Many students ' graduates and those who were forced to withdraw due to lack of XXXX XXXX funding are stuck with the burden of poor quality education, un-transferrable courses and erroneous loans unable to make payment or obtain gainful employment.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has 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 card or prepaid card

I do not use the card, I did not notice that there was an unauthorized charge in the amount XXXX on XX/XX/17. I did not pay the bill and then started getting emails and past due notices. When I realized, I contact them and they reversed the unauthorized charge yet continue to bill me for late charges and interest on a charge that they have reversed. I called them, they agreed but could not figure out how to transact it. They were combatative. This had impacted my credit and it is harassment.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and 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 accounts 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 accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Outrageous fees that were charged. I had direct deposit set up. The acct was supposed to be free.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of Fair Credit Reporting Act ( FCRA ) section 611. TransUnion File Number : XXXX. On XX/XX/2018 I mailed a request for the " Method of Verification '' regarding investigation results dated XX/XX/2018. ( See attachment. ) TransUnion received my request via certified mail on  XX/XX/2018. ( See attached copy of certified mail receipt. ) TransUnion replied with a letter outlining the " investigation procedure. '' ( See attachment. ) I did not request the " investigation procedure. '' The " investigation procedure '' was already provided with the investigation results. I specifically requested the " method of verification. '' Furthermore, I contacted TransUnion via phone on XX/XX/2018 and the representative named XXXX XXXX, stated the " method of verification '' was an electronic source known as " XXXX. '' Why am I receiving contradicting information? Over the phone I'm told one thing and via mail I receive a response which does not pertain to my request. TransUnion is in violation of the FCRA section 611. " XXXX '' is not a valid " reasonable investigation '' as defined in the Fair Credit Reporting Act ( FCRA ) and a recent case in the U.S. Court of Appeals, XXXX vs. TransUnion. TransUnion is using stall tactics and sending me deceptive correspondence in order to avoid written documentation to me with the " method of verification '' for the dispute. TransUnion should be held accountable to the fullest extent of the federal, state and consumer protection laws which have been violated. cc : FTC, Florida Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint against Equifax credit bureau. I have been trying in vain for an extremely long time to get online access to my reports without any luck. I cant get an answer from them as to why I keep getting a message that my information does not match, even though it is entered correctly. I have been on the phone with them as I have input my information and verified that is the same as what is in their system, but I still couldnt get online access. 

I have sent them my social security card and ID showing my information in the past as well. I cant even access my Equifax report via the XXXX website. I have attached copies of the messages I receive when on their website. One representative told me that maybe it would work if I had a paid membership subscription with their company, which I hope they are not purposely doing this to consumers that do not buy credit products from them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX XXXXXXXX Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my XXXX XXXXXXXX account ( Account # : XXXX ) on my credit file maintained by Equifax XXXX These inaccuracies misrepresent my payment history and creditworthiness, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Nature of the Complaint Inaccurate Reporting : Equifax : Incorrect late payment reported for XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX : Incorrect late payment reported for XX/XX/XXXX and XX/XX/XXXX. 
The account is reported as current, with consistent payments on time except for these erroneous late payment records. Additionally, I have been enrolled in autopay, ensuring no late payments occur. 
Discrepancies in Account Information : High Balance : XXXX and XXXX report {$380.00}, while Equifax lists {$0.00}. 
Last Verified Date : XXXX lists XX/XX/XXXX, while XXXX and Equifax have no data for this field. 
Date of Last Activity : XXXX and Equifax list XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
XXXX XXXX : XXXX, XXXX, and Equifax consistently show {$78.00} ; however, the late payment records contradict this. 
Violation of the FCRA ( 15 U.S.C. 1681 ) : Section 1681e ( b ) : Failure to ensure maximum accuracy of consumer reports.

Section 1681i : Failure to conduct a proper investigation when disputes were previously raised.

Section 1681s-2 : Reporting inaccurate or incomplete account data.

Potential Violation of FDCPA ( 15 U.S.C. 1692e ) : The inaccurate reporting of late payments may constitute false representation of the character or legal status of my account.

Truth in Lending Act ( TILA ) : Inaccurate reporting practices fail to meet the standards of transparent and accurate credit disclosures. 
Requested Resolution I request that Equifax : Conduct a thorough investigation of the XXXX XXXXXXXX account inaccuracies. 
Remove all erroneous late payments ( Equifax : XX/XX/XXXX and XX/XX/XXXX ; XXXX and XXXX : XX/XX/XXXX and XX/XX/XXXX ) from my credit file. 
Update all other account details to ensure maximum accuracy, including high balance, activity dates, and payment history. 
Compliance Reminder Pursuant to 15 U.S.C. 1681n and 1681o, failure to correct these inaccuracies within the statutory 30-day window may result in civil liability, including damages, attorney fees, and punitive measures.

I look forward to your response within the legally mandated time frame. Please provide written confirmation once the corrections are made. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes with Transunion and was provided with the exact same response each time. This debt from XXXX XXXX is fraudulent as well as out of the statute of limitations in the state of South Carolina for collection, this needs to be removed. I have provided evidence to Transunion on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2022
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp, ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and 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 card or prepaid card

On XX/XX/2021, I was pending the credit for account ending on XXXX for {$16000.00}, same issue that happened with the purchased for the card ending in XXXX which was resolved and I received the credit. After I called I was transferred to the dispute department, which was not the correct department, because the dispute department was not handling the fraud purchases, after explaining the situation to the representative she said that she was taking away the credit for the {$16000.00} on credit card ending on XXXX, this credit was given to me by the Fraud department. I was very surprise that this representative did not know anything about the matter that was revolved by the fraud department, so I asked for the supervisor, which immediately said that they were giving me the credit back and closed the case. Later I learned that was not the case, she did not give me the credit. Since it was late, I called the Fraud department and told them what had happened the night before, and the representative said to call the dispute department and tell them to close anything they had opened regarding the fraud charges, he also said that since the credit was given to me already that he was going to honor that and close the case. The representative also said that the claim department and fraud department are not connected, one department does not know what the other is doing and they have this happen in regular basis. I waited few days and the credit was never given back to me for the {$16000.00} on card ending on XXXX, and also the representative never re-opened the case for the {$16000.00} for the card ending on XXXX. I am very frustrated with Bank of America and their employees, I have been dealing with this for ten month and something that was resolved and should be resolved long ago is a completely mess now. Bank of America representatives are so unprofessional and have not knowledge of their business, these people are put there to answer the phone without any proper training. Their representatives are misleading, altering and changing the information provided to avoid doing the work.
Product: Credit reporting or other personal consumer reports

Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, I have received the letter prepared on XX/XX/XXXX XXXX XXXX, which asks me about my past banking account of XXXX XXXX XXXX. Your letter indicates that I have two accounts with XXXX XXXX XXXX. I might have one checking account and one saving account ; however, it was the long time ago, before the outbreak of the Pandemic, I am not sure them. The dispute case ID is XXXX and account ending number is XXXX. Another case ID is XXXX and account ending number is XXXX. Since I am not sure what I should do with this bank, I will enclose the copy of document, which you prepared and will mail it to Capital One headquarters addressed XXXX XXXX XXXX XXXX, XXXX, Virginia XXXX, instead of the address your company provided ; since the address is meant for XXXX XXXX XXXX not XXXX, ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX : XXXX ), which I banked with. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and found some inaccurate accounts that I dont recognize. I usually review my report without issues, but this time, I noticed discrepancies that appeared unexpectedly. I even refreshed my browser, thinking it might be a technical error, but the inaccurate information remained. Therefore, I am requesting a thorough examination of the documents I provided to ensure that I wont have to deal with this issue again.
Product: Money transfer, virtual currency, or money service

Bank XXXX XXXX and Zelle are refusing to return money that was stolen from my checking account using Zelle. 

I was a victim of theft on XX/XX/2022 in XXXX XXXX, LA. My cell phone, credit cards, debit cards, driver 's license were all stolen. I filed a police report with the XXXX XXXX Police Department. 

Bank XXXX XXXX did not remove my phone # from my account after their customer support indicated they did. They continued to allow the thieve ( s ) to use my stolen mobile phone to receive the SMS 2 factor authentication code and get into my online Bank XXXX XXXX account. 

These transactions were not initiated and were not authorized by me. My Phone was stolen. 

Posting date XX/XX/2022 Description Zelle Transfer Conf # XXXX ; XXXX XXXX XXXX StatusCleared Amount- {$1000.00} DescriptionZelle XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX category Cash, Checks & XXXX XXXX Other Expenses Posting date XX/XX/2022 Description Zelle Transfer Conf # XXXX ; XXXX XXXX XXXX StatusCleared Amount- {$2500.00} DescriptionZelle Transfer XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Description Zelle Transfer Conf # XXXX ; XXXX XXXX XXXX XXXX Amount- {$2000.00} DescriptionZelle Transfer Conf XXXX XXXX XXXX XXXX XXXX Merchant XXXX XXXX XXXX Transaction XXXX XXXX, Checks & XXXX : Other XXXX Posting date XX/XX/2022 Description Zelle Transfer Conf # XXXX ; XXXX XXXX XXXX XXXX XXXX {$1500.00} DescriptionZelle Transfer Conf # XXXX XXXX XXXX XXXX Merchant name XXXX XXXX XXXX category XXXX XXXX Checks & XXXX : Other Expenses
Product: Credit card or prepaid card

I am requsting copies of all documentation used to make decision, I provided a copy of my passport that did show I was not present when the charges occurred. I never said I was too old to travel and the evidence that Chase used to claim I traveled shows that I had not left the country ( copy of my passport ) and that I was in XXXX in XXXX and not XXXX Chase violated both Regulation Z and TILA by not providing documentation requested in mine of XXXX XXXX, 2019, specifically providing documentation that shows I was in XXXX
Product: Bank account or service

I was unemployed and my unemployment benefits ran out. I had an obligation with a payday loan. I notified them of my situation and asked them to remove the automatic withdrawals, they kept on. I went to the bank and explained, they said that even if I closed the account it will be hit by the ACH. Due to these and other issues, I applied for bankruptcy and received a discharge of my overdraft at Bank of America as well as the payday loan. Bank of America acknowledged the bankruptcy sentence but has not removed me from XXXX, XXXX XXXX. No bad check, no fraud attempt just a bad unemployment period and Informed the bank.
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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00}
Product: Debt collection

This debt is from a XXXX office which has changed ownership and can not verify the date of XXXX services.
Product: Credit reporting or other personal consumer reports

I reached out the XXXX on XX/XX/XXXX and provided my information they stated they didnt have an account with my information. I requested them to remove the inquiry they advised me to contact the credit bureau. I then reached out to XXXX and they had no knowledge of an account with my information as well. Please remove the inquiries listed XX/XX/XXXX and XX/XX/XXXX from XXXX also XXXX on XX/XX/XXXX