23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Yesterday I received a call from collection agency attempting to collect a debt. 
The woman said I owed XXXX {$300.00} for services in XXXX Michigan, I live in New Jersey. 
This is the XXXX call I received in reference to a debt owed to XXXX. 
I advised the woman I never lived in XXXX, MI and she had the wrong person. 
She then told me in order to clear this up I must call XXXX. 
So I called and was informed I must go to my local XXXX agency and get a paper. 
I then went to my local XXXX center in XXXX, NJ on XXXX XXXX. 
I then waited in line and got to the window and informed the employee of the above referenced situation. 
She then asked for my id driver 's license. 
I went to my automobile to retrieve them. 
Upon returning I was told to wait in line again so I did. 
Then when it was my turn again I showed the employee my license id but advised her she could only look at them but she could not take them. 
That 's when another customer behind me heard our conversation and decided to intervene. 
I told this customer that this was none of her business. 
That 's when the other customer began cursing at me and becoming belligerent and asking for the supervisor. 
I then decided to ignore this customer and continue to my business. 
The employee then asked me to take my letter out of my envelope so she could get the information that was written down on the envelope. 
I refused to because the letter contained again very personal information of my investments. 
That 's when XXXX more employees came to the front window and asked me for my social security number. 
I advised them I would write it down because there was no privacy the other customer was listening and saying she was waiting for a supervisor. 
I then asked for security because I felt threatened because this other customer began sitting around walking in and out the door and saying she would do harm to me. 
The employees working for XXXX felt it was okay because this woman wanted to speak to a supervisor. 
The next employee wanted to know how many states accounts were opened in my name. 
I advised her XXXX 
Then the same employee that asked for my social security number said I had to do the identity theft affidavit. 
I told her I gave this office XXXX before and would go to my car to retrieve and submit again. 
Upon returning I waited in lie again until it was my turn and submitted the employee the affidavit. 
The employee refused because my social security number was n't on it. Law enforcement scribbled it out. 
But I wrote it down again for the employee. 
The employee then took the paper in the back and came out and said it was unacceptable without my driver 's license number on it. 
I advised her that she could look at my license but she could not write the number down. 
Then she said too bad there was noshing she could do for me and good luck. 
My driver 's license number is the only number identity thief 's do not have. 
I feel it 's my only personal information I have that can prove who I am and I can not give it out or write it down. 
Please help I can not afford for this to be on my credit report. 
Thank youXXXX XXXX
Product: Credit reporting or other personal consumer reports

The 3 credit reporting agencies deleted a positive account XXXX XXXX XXXX. They all told me that the data furnisher ( Wells Fargo ) deleted this positive account that was to be reported until XX/XX/2025. This makes my credit report incomplete and inaccurate, which is against the FCRA.
Product: Money transfer, virtual currency, or money service

I filed a dispute after finding my money had been stolen, they denied my claim and have refused to help me or provide me hat information they based their decision. I got a manager via email and she told me they would not help me would not tell me anything more and then refused to assist and when I called 3 more times the supervisors hung up on me all three times. I believe they have something to do with my stolen funds and Im reaching out to the cob before contacting the NYS attorney general and my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call XXXX XXXX to inform then that i have been a victim of their inquiry issue, and ask XXXX XXXX to deleted the following inquiry. on XX/XX/XXXX at XXXX. I told they do not dispute inquiry. 
XXXX Name of Company Date of Inquiry Type of Business XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX  Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Show Details XX/XX/XXXX Banking XXXX   Show Details XX/XX/XXXX Finance XXXX XXXX Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Real Estate And Public Accommodation XXXX XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX XXXX   Show Details XX/XX/XXXX Banking XXXX XXXX Show Details XX/XX/XXXX Finance XXXX XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX   Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX Finance XXXX XXXX Show Details XX/XX/XXXX Banking XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Utilities And Fuel XXXX XXXX Show Details XX/XX/XXXX Home Furnishing XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Banking XXXX XXXX Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Finance XXXX XXXX Show Details XX/XX/XXXX Banking XXXX XXXX  Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a detailed complaint regarding unauthorized inquiries and false reporting on my XXXX, Transunion and XXXX reports. I have been a victim of identity theft, and there have been multiple inquiries on my XXXX, Transunion and XXXX reports that I do not recognize. I am a former XXXX XXXX military member, and I was frequently XXXX, which made it difficult for me to monitor my accounts regularly. I have previously filed a complaint with XXXX, Transunion and XXXX but I was told that I needed to be more detailed in my request. 
I am requesting that the following inquiries be removed from my XXXX, Transunion and XXXX accounts immediately : * XXXX XXXX - XXXX on XX/XX/XXXX * XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX - Inquired on XX/XX/XXXX * XXXX XXXX XXXX - Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX * XXXX  XXXX XXXX - Inquired on XX/XX/XXXX * XXXX  - Inquired on XX/XX/XXXX * XXXX XXXX Inquired on XX/XX/XXXX * XXXX - Inquired on XX/XX/XXXX * XXXX XXXX Inquired on XX/XX/XXXX * XXXX  XXXX- Inquired on XX/XX/XXXX * XXXX XXXX  XXXX XXXX - Inquired on XX/XX/XXXX * XXXX  XXXX- XXXX on XX/XX/XXXX * XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXX * XXXX XXXX  XXXX - Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX BANK - Inquired on XX/XX/XXXX * XXXX XXXX XXXX XXXX XXXX * XXXX XX/XX/XXXX * XXXX XX/XX/XXXX XXXX XXXX XXXX, Transunion and XXXX is reporting that I am late on accounts or past due, which is not true. I would like these inquiries removed from my credit report, and I request that my credit score be updated back to an outstanding rating. 

As a former XXXX XXXX military member, I was often away from home and do not have the means to monitor my accounts as frequently as I would like. Therefore, it is imperative that my accounts remain secure and that any unauthorized inquiries or false reports are removed as soon as possible. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently reviewed my credit reports from all three major credit bureaus and discovered significant inaccuracies. XXXX has an incorrect Social Security number listed for me, which, upon further investigation, appears to have been incorrect for a long time. XXXX and Equifax are also reporting inaccurate information, including debts that do not belong to me. 

I have already sent proof of my correct Social Security number, along with evidence that the addresses, phone numbers, and debts reported are incorrect. Despite this, the erroneous information remains on my credit reports. This has adversely affected my credit score and has led to denials of credit. 

I urgently need your assistance to rectify these issues and to conduct a thorough investigation. I have also placed an identity theft notice with the IRS. It is critical that all incorrect data be removed from my credit reports and that accurate information is reported promptly. 

If this matter is not resolved swiftly, I will consider seeking legal counsel and pursuing further action against all three credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Fraudulent XXXX Claim and Improper Investigation Policy Number XXXX I am writing to formally express my dissatisfaction with how my claim related to a hit-and-run incident on XX/XX/year>, has been handled by the Progressive Insurance Claims/Underwriting Department,. Specifically, the settlement process was unfair and lacked the necessary investigation, which wrongfully placed me at fault for an incident in which there was no substantiated proof of my liability. 

On the date of the alleged incident, I was involved in a situation with another driver ( Driver XXXX ), and law enforcement responded. The officer on the scene explicitly noted that : There was no visible damage to my vehicle ( a commercial truck ). 
He could not discern clear evidence that contact was made between my vehicle and Driver XXXX 's vehicle. 
There were no injuries reported, nor any claim of pain and suffering at the time of the incident. 
He did not witness the accident and did not issue any citation to me, as the accounts of both drivers were conflicting and inconclusive. 

Despite these facts, XXXX XXXX proceeded to settle with the other driver without properly assessing my vehicle or thoroughly investigating the matter. This resulted in a payment to the claimant that included compensation for " pain and suffering, '' which was neither reported at the time nor validated by the responding officer. By failing to conduct a comprehensive investigation and allowing this baseless claim to move forward, XXXX has unjustly held me responsible for an incident that remains unsubstantiated. 

As a result, I have faced significant financial repercussions, including an increase in my insurance rates for basic coverage, despite the fact that I was not found to be at fault by law enforcement. This improper settlement not only damages my reputation as a responsible driver but also imposes undue financial burden on me. 

Additionally, I understand that XXXX XXXX is currently involved in a class-action lawsuit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which appears to be directly related to the mishandling of claims and improper settlements like mine. I believe my case falls under similar circumstances, and I intend to pursue all available legal avenues to resolve this matter if necessary. This action is harming my financial well-being. 

I request that you immediately reconsider your decision regarding this underwriting claim and conduct a proper investigation into the circumstances of the incident. I also ask that you address the unwarranted increase in my insurance rates and rectify this situation by restoring fairness to this case. They pulled and based these terms on my driving history from LexisNexis Risk Solutions, XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding the reporting of my educational records, specifically the transaction history, to credit reporting agencies. This action by XXXX, is a clear violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) of 1974 and the Privacy Act of 1974.

FERPA, codified at 20 U.S. Code 1232g, protects the privacy of student education records. Under FERPA, educational institutions that receive federal funds are required to maintain the confidentiality of student records and can not disclose personally identifiable information without the student 's consent. Moreover, the Privacy Act of 1974 explicitly states that the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including but not limited to his/her education, financial transactions, medical history, etc. Transaction history pertinent to educational loans or financial matters, falls squarely within the realm of protected information. As a student loan servicer/custodian of these records, XXXX is bound by FERPA regulations when handling my account information. 

I have reviewed my credit report from XXXX, XXXX and Experian and noted that my account information, pertaining to my student loans serviced by your organization, has been reported to credit reporting agencies. This action appears to be a violation of my rights under both FERPA and the Privacy Act. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. 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, non written, verbal, and non verbal per 15 USC 6802. 

I am demanding that you cease reporting my account information to all credit reporting agencies, as required by law. Furthermore, I expect confirmation that my account information has been removed from XXXX, XXXX and Experian and all other credit reporting agencies. 

Due to such negligence this issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking not only accountability for XXXXXXXX XXXX actions but also compensation for the financial damages and emotional distress incurred due to their illegal reporting activities. I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by XXXX. Failure to comply with these legal obligations may result in further action to protect my rights under federal law. 

Thank you for your prompt attention to this matter. I anticipate your cooperation in resolving this issue in accordance with the applicable laws and regulations.
Product: Credit card or prepaid card

Synchrony Bank closed my three accounts because I am XXXX during the pandemic. Care Credit Account XXXX, Synchrony Home XXXX, and XXXX XXXX XXXX. This bank 's discrimination has ruined my credit. Synchrony decreased my Synchrony Home limit when I was recovery with Covid 19. I have been a Synchrony card holder since XX/XX/2019. Never missed a payment. I used my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX we went through a mortgage modification on the term ONLY with Seterus, same origination date, same loan number. The loan originated in XX/XX/XXXX and was for an original amount of {$340000.00}. The modification documents reflect that the ORIGINAL balance was {$340000.00}. From XX/XX/XXXX to XX/XX/XXXX this is what was reflected on all three credit bureau reports ( XXXX/XXXX/XXXX ), an  original loan amount of {$340000.00}. As of XX/XX/XXXX Seterus began reporting an original loan balance of {$260000.00} ( the balance at modification ), effectively making it look like we had paid little or nothing toward the principal of the loan and this is impacting our credit scoring for future refinance or other loans. 
In XX/XX/XXXX, I corresponded with Seterus and they refuse to report the data correctly. 
XXXX XXXX servicer guidelines and Consumer Data Industry Association both address the correct Original balance amount is the beginning loan amount not the new modified " starting balance ''. Our credit reports/scoring mentioned that the high balance/original loan amount impacts the score.
Product: Credit reporting or other personal consumer reports

I would like to get XXXX XXXX  acct # XXXX XXXX  XXXX acct # XXXX XXXX  XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX  acct # XXXX late payment markings since each late payment marks are inaccurate each credit bureau based of months. on XXXX it's reported i was late XX/XX/XXXX, XXXX and XX/XX/XXXX however it is not accurate. 
XXXX XXXX  XXXX  acct # XXXX XXXXXXXX XXXX bank acct # XXXX
Product: Credit reporting or other personal consumer reports

hXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation into Loan Mismanagement and Compounding Interest by XXXX Description : I am writing to request an investigation into the mismanagement of my student loans by XXXX and prior loan servicers, which has resulted in compounding interest, inflated balances, and undue financial hardship. Below are the key details : 1. Background : I completed XXXX school in XX/XX/year>, after which I enrolled in graduate school at XXXXXXXX XXXX While in XXXX XXXX, I began receiving bills for my XXXX loans, despite being informed by a U.S. Department of Education representative that payments would not be required during my enrollment. I was told that paying XXXX XXXX monthly would keep my loans in good standing. I followed this advice but continued receiving threatening notices. 

I contacted the Department of Education again and was told that no payments were necessary while in graduate school and that I could request a refund of my payments. However, when escalated to a supervisor, I was informed that refunds were not possible, leaving me frustrated and misled. This miscommunication contributed to my withdrawal from graduate school, halting my education. 

XXXX. Military Service : I served 7 years in the XXXX XXXX XXXX and utilized the XXXX XXXX XXXX during my XXXX studies. I remained in regular contact with Financial Aid and Veterans departments to ensure all paperwork was submitted correctly, yet I still experienced these issues. 

3. Current Status : My XXXX loans, originally {$15000.00}, have grown to over {$60000.00} due to compounding interest. Over the years, my loans have been transferred multiple times ( from the U.S. Department of Education to XXXX XXXX, and now to XXXX ), and I have repeatedly been denied access to my complete loan records. 

4. Impact : These errors have significantly impacted my credit score, resulting in denials for housing and financial opportunities. I have also been unable to pursue further education due to my damaged financial standing. 

Request for Resolution : - Investigate XXXX and previous servicers for mismanagement and failure to provide accurate information. 
- Ensure compounding interest and erroneous fees are removed. 
- Provide complete documentation of my loan records, including payment history, interest accrual, and transfers. 

I have already updated my information with all credit bureaus to reflect my current address and phone number, but they keep coming back and just like last year I had to call experian to request my credit report. 

Please investigate this matter and help ensure that servicers comply with federal laws protecting borrowers. 

Thank you for your assistance.
Product: Vehicle loan or lease

To Whom It May Concern, I am filing a formal complaint against Santander Consumer USA for predatory lending practices.

Two years ago, I purchased a used vehicle and financed it through Santander Consumer USA at a predatory 24 % interest rate. After experiencing a brief health issue that caused me to miss a payment, I contacted Santander to explain my situation. They agreed to restructure my loan.

Unbeknownst to me, the restructured loan included simple interest charges that were not clearly explained. As a result, my monthly payments increased from {$870.00} to almost {$1100.00}. Despite paying approximately {$15000.00} over the past two years, only about {$1100.00} has been applied to the principal balance total, since the inception of the loan. This makes it nearly impossible to reduce the loan amount, effectively trapping me in debt.

I believe Santanders lack of transparency and the addition of these excessive charges, along with a predatory interest rate and loan structure, constitute predatory lending. I am facing severe financial hardship and am considering bankruptcy due to this situation.
Product: Debt collection

The agency has 2 separate medical collections accounts, both of which I had insurance with The Illinois Medicaid Program at the time. These should had been billed correctly.
Product: Credit card or prepaid card

Chase credit services, closed my account with no objective reason. I have not had a late payment with them. I always followed all the rules. I received a letter saying that they are closing one of my credit accounts with a fictitious reason ( Got access to an offer that was not directed to me ). I don't think chase can confuse and mislead their customer into applying to offers. This credit card offer was given to me after I logged in into my personal chase checking account. I have written to there executive office and made multiple calls. The so-called executive sovereign department is like an unreachable institution for the regular chase costumer. They take your request through a phone service and then you wait and wait for there blessing. I have offered to send bank statements and other documents to demonstrate that I am a good payee etc ... But to no avail. I request my account to be immediately reopened and my credit line restored. Thank you!