23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Ed Financial increased the limit of my loan without my permission. I only found out from an XXXX credit alert. 
I wrote an email demanding they revert it back to the original amount. They have not done so, its been 6 weeks since I emailed my request.

Additionally, I made my new payment before my due date and they charged me {$29.00} of late interest! 
I demanded they refund it but they have not done so. 
It is impossible to get them on the phone and they do not answer emails. Basically, they are scamming us even as we TRY to make our payments. THIS IS WRONG. Additionally, they offer no help or guidance for Parent Plus loans under Biden SAVE etc programs to reduce payments. Ed Financial is scamming us.
Product: Debt collection

This company call me send letters to my home asking me to pay XXXX at XXXX for XXXX weeks Asked them to do a investigation they told me thats not their job I have all the phone calls recorded I ask to speak to attorney they said I cant speak to one told me not to record what they are saying they want give me any information but want take this car off my credit they saying that the dont own the debt but they are collecting the money for credit acceptance I asked for proof XX/XX/XXXX its XX/XX/XXXX still nothing but they are still calling me and sending They repoed my car XX/XX/XXXX after I called and asked to be placed on a payment plan because I was sick going thru XXXX they said okay but still took my car asked me to pay a huge lump some of money I couldnt afford at the time and towing fees and a fee to get my items out the car than 2 weeks later I received a letter saying they sold the car at auction and Im on the hook for XXXX dollars for XXXX XXXX XXXX with XXXX miles which is a rip off this as effectively messed my life up my mental health and my lively hood they just getting over on working class thats In need .. they call me 25 times a day leave messages emails letters call from all type of number all times of the day Im going through enough
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX XXXX It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX XXXX they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the XXXX  this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

A Charge off is consider a certificate of indebtedness which means it is income and must be removed. 

Privacy act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found errors on my Equifax credit report # XXXX that need to be investigated and deleted. I have to complained to Equifax multiple times that XXXX XXXX XXXX XXXX XXXX Is not valid and does not belong to me. I have provided copies of documents that show that XXXX XXXX does not have any contract or any proof of billing for the amount of {$590.00} nor do they have any documents that say that they bought a debt for {$570.00}. This account is not verifable by this company and should be removed. 

I also found that the account from XXXX # XXXX- This company too does not have any contract or any official billing that prove this is my debt- The address listed XXXX XXXX XXXX XXXX Oh XXXX also does not belong to me and was listed by XXXX and should be deleted and removed. 

The following TWO addresses do not belong to me and should be deleted and removed : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX OHio XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/XXXX  when I did my last money transaction the ID XXXX for {$15.00} in my Paypal account and by XXXX XXXX got an email that my Paypal account has been permanently deactivated and that I can nolonger receive or send money using the account, this gave me no warnings and I do not understand the rules and regulations that I violated to have my account permanently deactivated. 

I have triend sending massages to paypal customer service agents but no response yet, please help me reach the company and have my account activated. Thank you.
Product: Vehicle loan or lease

I am XXXX XXXX military, within a provisional state however they are not willing to give me the SCRA benefits. Since I am eligiblefor SCRA. With my tax state being Ohio, I am a provisional state which I qualify for. Attached is my XXXX  that show Ohio as my tax state, XXXX Individuals Covered by the SCRA Members of the XXXX, on XXXX XXXX SCRA protections extend to servicemembers ' dependents, which generally include spouses, children, or any other individuals for whom the servicemember provided more than one-half of the individuals ' support for 180 days immediately preceding application for relief under the Act. ( including XXXX  ordered to XXXX XXXX ). Ohio extends SCRA benefits for debt incurred WHILE XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. Below is the reference : 7.1. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. including debts, not just those incurred prior to XXXX XXXX. creditor must forgive - not defer - interest greater than six percent per year. See 50 U.S.C. {$3900.00} ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at XXXX  ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at {$3900.00} ( a ) ( 3 ). ''
Product: Credit reporting or other personal consumer reports

TransUnion the credit reporting Bureau has failed to act and then there Fair Credit Report act section 605b and section 6 0 9 e and section 611 and obligation to furnishes Act section under FCRA 15 USC 1681/ 623a This company has refused to correct and furnishes under FCRA as to a defiance a federal guidelines I having fun this company that I am a victim of identity theft that my information was stolen and obtain to gain goods and property and it should be removed dispute and removed but instead the company still show clothes and present on my credit report which is a violation of the federal law. 
This company is the only company out of the XXXX have reports credit information has refused out of XXXX this is the only company that refused to remove fraudulent information on my report and it's still reporting fraudulent information on my report XXXX as close but prison which is a violation and I asked this company to immediately remove these infant false information on the report Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently sent out three disputes about my BMW Financial car loan with XXXX, XXXX  and XXXX. These are the dates of the disputes XX/XX/2020, XX/XX/2020 and XX/XX/2020. On all three of the disputes I've been told that the accounts are verified but I have yet to receive any proof of the accounts being verified. On my XXXX and account the total of the balance has been set to {$0.00}.
Product: Debt collection

Transworld systems inc is attempting to collect debt on behalf of XXXX XXXX. In the amount of XXXX. This debt was dismissed in XXXX  and marked as identity theft. XXXX XXXX is trying to collect the same amount again of XXXX. 

Please ref XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified inquiries 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 inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

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

I am reaching out as a victim of a recent data breach that has led to identity theft, resulting in 
unauthorized accounts and inquiries appearing on my credit report. Pursuant to 15 USC 1681c2(a) and FCRA  605(b), I request the immediate blocking and deletion of the entries listed 
below.
Accounts and Inquiries to Be Blocked and Deleted:
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XX/XX/XXXX - CARD SERVICE on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XX/XX/XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XX/XX/XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX on XXXXReported Identity Theft ) XXXX.XX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX.XX/XX/XXXX XX/XX/XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
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 been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. section 602 A states i have the right to privacy,15 USC 1681 section 604 A States a consumer reporting agency can not furnish a Account with out my written instructions. account # XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX. XXXX XXXX XXXX XXXX # XXXX, # XXXX # XXXX, XXXX XXXX XXXX # XXXX. Bankruptcy XXXX XXXX dismissed reference # XXXX, Bankruptcy XXXX XXXX-discharged reference # XXXX 15 U. S.C.1681 605 No Consumer Reporting agency may make any consumer report containing any of the following items of information : Bankruptcy 15 U.S.C 1666B A Creditor may not treat a payment on a credit card account under an consumer credit plan as a late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several attempts to have a falsely reported bankruptcy removed from my 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Transunion several times in regards to incomplete and inaccurate information that has been reporting to my credit report. Here are the dates they were contacted in regards to this matter : XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX. Mail was sent via certified mail, return receipt requested. Transunion has ignored my request and have not provided the steps taken to determine how, who, when, where, and what took place in order for them to verify the information in dispute.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I discovered on my credit report that there was a credit account opened under my name at J.P. Morgan Chase Bank, N.A. I have attempted to contact the bank multiple times however they kept transferring me to different departments. I have never had banking relationship with this Bank and their reporting in my credit report, when I disputed it with the credit reporting agencies, they asked me contact the bank directly.
Product: Debt collection

I had applied on indeed for a remote job.On XXXX I had gotten hired by a company called XXXX XXXX as a data entry clerk.After receiving the job offer letter, filling out XXXX form and all other documents for the hiring process.I was told by the so called manager XXXX XXXX that they would be sending me a check to buy the equipment for the job.Which would be a computer, a phone, headset, printer, fax machine as well as other stuff .He told me to deposit the check as soon as I could so I could be ready for the training that would start in a few days. So the company had mailed the check to my apartment and that same day I went to the bank cashed the check and went to a XXXX  atm because he stated that was the only way the company they bought the equipment from Would get paid. And hemention that these were all apple products and the equipment would have my name and company logo on it, so that thats why it was a lot of money.Later on that day I received a call from XXXX saying he forgot to order a few more things so he canceled the order and was going to send another check. And had me do the same process.deposit the check at my back and then withdraw the money and deposit it into the same XXXX atm. Minutes later after depositing that money I received a call from XXXX XXXX Saying the checks were fraudulent. They froze my account until I pay all that money took the money I had in both my savings and checkings account as well as a check I had just received in the time frame. And they want to pay all that money back which is a total of XXXX. I made a police report spoke to officer XXXX XXXX and case # is XXXX but nothing has been done he said theres no way to get that money and unfortunately theres a lot of people who do scams.
Product: Credit reporting or other personal consumer reports

I did not initiate these accounts, and I strongly suspect them to be fraudulent. I kindly request that you thoroughly investigate and promptly remove them from my credit report. I have provided supporting documentation to substantiate my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX. I live in New Jersey I also have XXXX A, B. All my bills are covered it is illegal in nj to balance bill a XXXX recipient I explained this numerous times over the years to the biller. They have my insurance information. They removed the bill from my experience then added it to my transition file.!
Product: Mortgage

This company is stealing my money and the government money. 

They are lying and nit telling the truth about where my mineybis going. 

Please call me XXXX. 

I will not let this keep getting pushed under the rug.
Product: Credit reporting or other personal consumer reports

XXXX XXXX closed my account with no notice and has made it impossible for me to make a payment or access my credit card statements. They have submitted information to the credit bureaus that have tremendously lowered my credit score and has drastically effected my life. I have been trying to get this resolved with XXXX XXXX since XXXX. The one and only letter I received in XXXX to why my account would be closed has incorrect information on it. Whomever the " XXXX XXXX '' is has not contacted me, although I have requested to be contacted several times via XXXX supervisors. The general supervisors would like to assist me but are unable to assist because the account is restricted from them being able to do anything. They can only send an email, there is no phone number for them to get in touch with the " XXXX XXXX '' that should be fixing my account. 

The only thing that has been done by the " XXXX XXXX '' is reporting that my account was closed with a balance owing of {$1000.00} and in XXXX that the account was 30-60 days past due. The account being closed and the balance not being paid has been out of my control and all due to the fault of XXXX. 

Please see my attached uploaded detailed notes of the actions I have taken to get this matter resolved. 

Today I submitted a dispute to experian and XXXX, also trying to get this matter resolved.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : Recently, I went in to inquire about a transfer of credit at 0 % offer XXXX XXXX published recently in my area. I thought I might get two small credit card balances transferred and paid off by transfer and saving a little on the cost of the cards use.. Also, my larger loans at 8 % may have qualified for pay off using this transfer rate, according to internet information I found. However, after being denied, and accepting the denial, my credit score took a dive of XXXXXXXX XXXX Why does asking for credit make the scores dive? I wonder why all the accounts from the past that have been closed and paid in full, as well as the current accounts being paid on time and lacking collection are used for so long a period of years? As I left XXXX XXXX I talked to a lady who was making a withdrawal and told her my story. She said the bank asked her WHY she was making a large withdrawal? Does the bank have the right to do that? 
Thank you for your help in the past, I am confident your agency will provide guidance to me in the future. 
XXXX XXXX XXXX
Product: Credit card

I COMPLETELY paid off XXXX charge cards which, along with some others, have have had $ XXXX to $ XXXX in balances. Not to mention my income is approximately $ XXXX, XXXX % higher than last year - or ever. My reward for paying off XXXX {$4900.00}. XXXX card? 2 days later they crushed my credit limit from $ XXXX to $ XXXX. THAT MAKES NO SENSE! I pay off almost $ XXXX and THEN get my limited clobbered to XXXX of what I JUST PAID! This makes no sense ( and I expect they have a credit score, with NO late pmts, from before everything just paid off ). Can not think of anything else. Jeez, why pay it off. Might as well have paid off another card that was not going to penalize me for improving my credit and paying off balances!.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX and XXXX and CAPITAL ONE were no successful resolution. XXXX XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX
Product: Credit card or prepaid card

XXXX XX/XX/2022 CFPB, FHB needs to scrutinized for their Security and Customer Service-Rule/Practices.

As of today I have had serious Communications issues with this Banking Institution. 

I received a XXXX XXXX XXXX XXXX XXXX XX/XX/2022. 
I Activated this Credit Card the same day. I did www.fhb.com insructions setting Username and Password. XXXX XX/XX/2022 tried logging in to FHB Website and nothing was recognized. Called XXXX XXXX XXXX. XXXX said XXXX in XXXX, call back in XXXX hours. 
XXXX XX/XX/202 called XXXX a ( XXXX ) XXXX. XXXX tried assisting with problem XXXX XXXX, then got phone got disconnected. 
XXXX XX/XX/2022, I went to First Hawaiian Bank XXXX, XXXX. 
I talked to XXXX XXXX XXXX XXXX 
She said XXXX will mail you your New Password. Received XXXX XXXX XX/XX/2022. 
Tried XXXX XXXX on XXXX. Nothing recognized. 
XXXX XX/XX/2022 I received from XXXX by XXXX an assigned UserName. 
XXXX XXXX to the WebSite-FHB.com. Finally I was able to XXXX XXXX. 
Security Questions 1 thru 4 accepted. However Security Question # 5 Highlghted as InValid! 
Called and XXXX at ( XXXX ) XXXX is ssking for My SSN #. I sad XXXX XXXX. 
He took my XXXX XXXX a XXXX today XXXX XX/XX/2022. 

CFPB, this Bank is not Customer Service-Friendly!

They Are Not-Transparent and Their IT-Software Managers are either Lost or need Training. 
Always some access problem or failure to help expeditiously! 

PLEASE, look into their ( First Hawaiian Banks ) business practices. 
Not user friendly-WebSite/Customer Service!! 

Respectfully, XXXX XXXX Email : XXXX XXXX
Product: Debt collection

I saw that my credit scores dropped. I had a collection from Deville Asset Management on my credit for XXXX stating that it is from XXXX. My account with XXXX was paid in full and closed. This agency is not bonded to collect in my state. They never sent me a statement or letter stating that they are putting anything on my credit. This is a violation of the FDCPA AND THE TEXAS FINANCE CODE
Product: Credit reporting, credit repair services, or other personal consumer reports

Please account was open fraudulently without my consent. I have contacted the company numerous times to let them know. I did not authorize this account to be open under my name.