23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company is a total Scam. They promised to consolidate student loans into a lower payment and charge a monthly fee. They make it seem as if the amount you are paying is going towards your student loans. In fact, they keep all of it and loans go into default.

Also, they use abusive and illegal telemarketing to sucker in customers. They call several times a day on my cell phone which is on the do not call list. All of those calls are violations of the TCPA. I have already reported them to the XXXX, the California attorney general and no one seems to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were several fraudulent accounts opened under my name. The criminals used the accounts and destroyed my credit. This is completely absurd that the credit reporting agencies are still reporting fraudulent activity on my credit file. I am going to sue them for this but first decided to reach out to you to see if you can make them do their job. Thanks.
Product: Checking or savings account

I understand CFPB is sueing Capital One for cheating customers out of interest payments. I am one of those victims. I opened what I thought was a high interest savings account online several years ago, only to learn after a few years that I was not getting the interest they stated I would. When I finally contacted them, they said I was in a different, lower paying account and volunteered to switch me to the other account. However, as I was displeased with their bait and switch tactics, I withdrew my funds and put them in another bank 's internet account that pays well. I lost years of interest payments from Capital One, however.
Product: Debt collection

I have paid this off in full and provided the company with the wire information but they put this account in collections and continue to contact me. This is illegal. They have not provided anything saying this debt is still a debt. It was paid in full and proof was provided. What theyre doing is illegal They tried to to collect charges in addition to the debt unless they are allowed by the contract or state law Communicate with you about a debt by postcard Use any language or symbol on an envelope for correspondence with you ( other than its address ) that indicates it is a debt collector Tip : Keep good records of your communications with a debt collector. 


This federal law also prohibits debt collectors from using false, deceptive, or misleading practices. This includes : Misrepresentations about the debt, including the amount owed Falsely claiming that the person contacting you is an attorney Threats to have you arrested Threats to do things that can not legally be done, or threats to do things that the debt collector has no intention of doing. 
A debt collector is also not allowed to harass you. In addition, there are state and other federal laws that generally prohibit practices that might be considered unfair, deceptive, or abusive acts or practices.
Product: Credit card or prepaid card

I got a Destiny credit card in mail today. I never applied for it, so called company and they had all my information. When I told them I did not apply she said cut up and they will investigate but also to contact you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and XXXX XXXX, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Product: Student loan

I applied for and received XXXX student loans from Navient ( then XXXX ) in XX/XX/XXXX and XX/XX/XXXX. XXXX were Stafford loans, totaling {$18000.00}, disbursed to me in XX/XX/XXXX and XXXX were Graduate PLUS loans, totaling {$11000.00}, disbursed to me in XX/XX/XXXX. I applied for forbearance multiple consecutive years in a row because I knew of no other option. I was earning approx. $ XXXX/year without benefits, supporting a household of XXXX people. I called each time and let them know I could n't afford the $ XXXX+/month payments, and I was never told that I could pay must less and avoid the high interest of forbearance by being on income based repayment. I was always pushed into forbearance because they said they could even submit it for me over the phone without me needing to send them any documents. I was always immediately approved. This past year because I was unable to purchase a home or do anything without worrying about this loan hovering over me, I paid off the loan in full by borrowing from family and savings. My complete payment on the original {$29000.00} balance was approx. {$54000.00}. {$25000.00} in student loan interest on a loan that could have entered income based repayment which would have been to my benefit. I do n't believe Navient should be entitled to reap the benefits of their deceptive practices against me and that a considerable portion of the interest payment should be reimbursed to me. Any help you could offer me in this endeavor would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to notify you urgently that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. Immediate attention is required to rectify these errors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am formally requesting the prompt removal of the fraudulent items from my report to ensure its accuracy .
Product: Credit reporting, credit repair services, or other personal consumer reports

This ACCOUNT XXXX XXXX has been deleted off of my Transunion. Credit report three or four times in the year of 2022 and it keeps reappearing over and over again! I have no knowledge of any debt with this company. I have asked on several occasions for validation, of competent evidence bearing my signature with this company account XXXX XXXX because I have no knowledge of this company or any alleged debt with this company and if not this needed to be deleted for good from all 3 credit reporting agencies. 

15 USC Code 6801-Protection of nonpublic personal information protects us as the consumer against financial institutions 15 US Code 1681b- permissible purpose of consumer report ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the circumstances and no other I HAVENT GIVEN ANY WRITTEN INSTRUCTION TO REPORT TO MY WRITTEN CONSUMER REPORT This is also HIPAA violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint 4 months ago to CFPB around the fact that my reported Student Loans on my credit report were not only currently in litigation with the federal government and other civil suits due to them being solely part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and because of this they need to be eliminated from my credit reports immediately. XXXX  did it, but XXXX  and Equifax failed completely, and did not remove them from my credit report. These loans are fraud and there is about to be another major lawsuit again XXXX for harrassing the same students who were mislead and money stolen from them by XXXX as the students now have no legitimate degree but thousands being reported on their credit report. This is causing them to have massive amounts of problems from buying a house to getting funding for a REAL degree and being able to start their life over properly. So far the CFPB has completely failed in rectifying this matter and this situation may need to be taken to common law/equity law to get justice - ANY STUDENT WHO WAS UNDER THE FRAUD OF XXXX XXXX XXXX XXXX AND COLLEGES LIKE IT ) AND UNDER NAVIENT WHO CONTINUES TO REPORT THESE FRAUDULENT DEBTS TO CREDIT COMPANIES IS RESPONSIBLE FOR THE DEBT OWNED, NOT THE ALL CAPS NAME " PERSONS '' - THIS IS THE 2ND ATTEMPT FOR MY OWN CREDIT REPORT TO REMOVE THESE LOANS OFF THE MAJOR 3 CREDIT BUREAUS IMMEDIATELY - EQUIFAX, XXXX  AND XXXX. IF THESE 3 CREDIT BUREAUS DO NOT REMOVE COMPLETELY, THEY ARE THEN RESPONSIBLE ALONG WITH XXXX, XXXX XXXX XXXX AND THE CFPB. A MAJOR 2ND LAWSUIT IS BEING DISCUSSED AGAINST THE CREDIT BUREAUS IF THIS CONTINUES.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Account Number : XXXX Balance : {$670.00}
Product: Debt collection

I have in my credit twice for a loan for {$480.00} for Midwest Recovery Systems and XXXX and will need notice to remove this from my credit
Product: Mortgage

Several weeks ago I received a Notice of Delinquent Tax from XXXX XXXX from the City of XXXX where we reside. 

I had called selene a couple of months ago when we received our tax bill from both XXXXhe County and City and Selene Finance confirmed that they were responsible for paying these taxes. 

Once I received this delinquent notice a few weeks back I immediately called Selene Finance again and inquired why this was not paid. The initial person I asked stated that they would open an initial investigation and should get back to me in a few days, but that they were responsible for paying these taxes. 

Having not heard back, I called again several days later due to not wanting to have a tax lien placed on our property. I spoke to another person and they informed that they see that an investigation has been opened and I should hear something back soon. They further stated that they see that Selene Finance mailed a check out for approximately {$6200.00} ( the amount for the City taxes ) back in XXXX of XXXX, however that check does not show the it cleared and they did not know where it was. I repeatedly asked them to please get this fixed or send this to a supervisor. 

Additionally, they told me that our County Taxes were paid when they sent them a check in XXXX of XXXX. Our County Taxes have been paid by Selene Finance, it is not our City Taxes that are over 2 months late. 

I believe I called again and they told me that they couldn't send me to a supervisor, as no supervisor was available. Not to mention this problem on the taxes, but they say that my last mortage payment was late even though it was mailed a couple days after receiving the mortgage payment envelope from Selene. It was mailed well in advance of the first, but the check did not clear until the XXXX the following month. Either way, they added a nearly {$240.00} late fee charge. I have never had any mortgage payment be delinquent. 

When I spoke again to a representative of the company they said they were waiving that fee and I should hear something very soon regarding the delinquent tax bill. They further stated that they could not send me an email waiving my late fee because only supervisors could do so and one was not available but to rest assured they were taking care of it. 

It is nearly impossible to get anybody on the line over at Selene Finance, LP and I am sick of the run around and no answers, all the while my property may get a tax lien for something that is out of my control. Apparently there is nearly {$10000.00} in my escrow account currently. 

Selene Finance has told me repeatedly on the phone that they are responsible for these taxes, the two months plus of late fees, however nobody has called or emailed regarding any investigation or what they are doing to fix this. The Taxes because delinquent on XX/XX/XXXX and they still have not been paid. If I could have some assistance in getting them to respond or provide any answers that would be appreciative. Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX # XXXX XX/XX/year> -- {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : In XX/XX/2021, somebody tried to deposit a blank check into my account. I was immediately contacted by the bank and was told that the check could not be processed due to insufficient funds in the depositor 's account. I do NOT know who this person is, and why they tried to deposit a blank check into my account. I told my bank this, asking that they ignore the transaction. I was contacted by the fraud department a few days later and I explained the situation again, as I noticed my account had been frozen. 

Prior to this incident, I had never had any issues with the bank, and I had certainly never been in this kind of situation. I am an attorney admitted to practice in the State of New York, and would NEVER involve myself in fraud. I was the victim of fraud and I kindly ask that the bank investigate this further and remove this report from my account immediately. I have been employed at a law firm for 2 years as an associate and all my paychecks used were made directly to this account. It was my only checking account and now I have to deal with this inaccurate report that was caused by no fault of mine. Please remove this remark immediately. 

Kind regards, XXXX
Product: Debt collection

AFTER RECEIVING A LETTER FROM THE XXXX XXXX XXXX XXXX XXXX I DID RECEIVE INFORMATION CONCERNINGWHAT THIS WAS ALL ABOUT, THIS WAS FROM MY OLD ADDRESSS IN MY NAME ONLY. MY HUSDAND AND MYSELF MOVED FROM IN 2013. TO ANOTHER STATE. I NEVER MADE PURCHASES FROM XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am no longer an authorized user on the XXXX XXXX  account ending in XXXX but its still reporting to my credit score.
Product: Credit reporting or other personal consumer reports

I appreciate your time and effort in removing some information from my file related to an alleged identity theft. However, there are still accounts that need to be removed. Per FCRA section 605, you are required to remove any accounts listed on an ID Theft Report # XXXX. Ive already included this report in a previous letter and am including it again. Please see below the accounts that I would like to be removed from my credit report : XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Owed : {$270.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information to credit agencies. Payment late history does not match across the three agencies. Im requesting that late reporting be removed from all three agencies on this account.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP FRIDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my personal name with Experian because, they are not reporting me accurately However, they decided to not correct the error and remove any other aliases they have of me. I only have one name, XXXX XXXX XXXX XXXX Experian has profile under anther name XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX, I rode through a tollbooth free camera tollbooth in XXXX XXXXXXXX Virginia. This tollbooth mails the toll bill of {$5.00} to the owner of the vehicle. I have never understood why XXXX   address is shown as owner of this vehicle but XXXX received the bill and instead of paying it, XXXX sent it to me 2 months later and because the bill was held up at XXXX, There has now been a {$25.00} late fee applied. While trying to work this out with XXXX, the toll booth company sent this to a lawyer who added another {$80.00}. I am willing to pay the original {$5.00} ( and tried to pay ) but XXXX took too long to send this too me and had added fees that are not my fault. This exact same thing happened in XXXX and XXXX paid the late fees.
Product: Credit reporting or other personal consumer reports

The following inquiries are showing on my credit report. I contacted the companies and the credit bureaus XXXX Equifax XXXX XXXX ) to inform them of these inquiries so they could be removed as I don't recognize them and didn't authorize them. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX
Product: Mortgage

NOTE : This mortgage was a refinance within the same mortgage company ( NewRez to NewRez ) with settlement XXXX XXXX, XXXX. Money was escrowed at the settlement table for taxes and insurances. According to the customer service at NewRez, the XX/XX/XXXX tax bill was never transferred within their own company to be paid. Yet they collected all necessary monies at settlement. 
We received a Tax Delinquent notice from our township tax collector stating that our property taxes had not been paid. The money has been collected by our mortgage company in escrow yet, after many attempts to have them correct this issue, they continue not to pay the taxes. We continue to accrue interest charges. 

The taxes were due on XX/XX/XXXX Original tax amount to be paid : {$2200.00} interest accrued : {$28.00} so far amount in escrow being held by the mortgage company {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

my computer was hacked and i identity was stolen and i never applied to citibank/XXXX  on XX/XX/2018 and it is a hard inquiry and its on XXXX  and i would like it removed i have no phone number or address for them and i would like it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute in regards to inaccurate information being reported in my credit report. Below are the accounts in question : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The company " XXXX XXXX XXXX XXXX XXXX as shown on my credit report this debt/ collection is not mine I have already disputed this and was not looking into by Transunion this collection appeared out of no where and has since increased it balance within the last 30 days from XXXX to now XXXX this is predatory and dispute was resolved in 1 days not even taking the time to investigate why and who they are abusing my credit report and no one has started to investigate this matter beyond 1 day I have attached 3 documents 3 different amounts days apart from each other.

Section 623 ( a ) ( 1 ) ( B ) .If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One account was deleted from my credit report due to inaccurate reporting on behalf of XXXX. On XX/XX/22, XXXX deleted the above mentioned account. The inaccurate information was placed back onto my credit report. I have been requesting an re-investigation on this account, and I have not heard from XXXX. 

According to the Fair Credit Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, and all accounts that you post on a credit report. I demanded to see verifiable proof. 

Under federal law, XXXX had 30 days to complete the reinvestigation. I am respectfully requesting a deletion of this account with Capital One.
Product: Credit reporting or other personal consumer reports

I reviewed credit report and noticed several inquiries that i never applied for nor allowed to run my credit. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX