23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

After graduating from college I went through a divorce and was in a financial position where I had no choice but to file a Chapter XXXX bankruptcy. During that time my student loans went into something, I believe deferment. To this day I do not understand exactly what happened but it is something called compounding. My original XXXX student loans were in the amount of {$29000.00} and {$5400.00}. My current balances are {$37000.00} and {$6900.00} respectfully. I do have XXXX other smaller loans for XXXX courses I took ( {$3400.00} and {$5800.00} ). To date I have paid back a total of {$120000.00}. The XXXX XXXX loans are to continue through XX/XX/2032. My XXXX payments are {$330.00} and {$62.00} totaling {$400.00}. By XX/XX/2032 I will have paid an additional {$72000.00} for total repayment of approximately {$200000.00} on loans that were originally {$35000.00} ( XXXX ) that is almost 6 times the original loan. I am not a numbers person and am grateful that I now have people, around me, in my professional life who can help figure this type of thing out. I have paid my original loan amount of {$35000.00} off several times at this point and I simply do not understanding how this compounding amounts to anything less than loan sharking by PHEAA.
Product: Credit reporting or other personal consumer reports

Dear Equifax and XXXX, Ive recently checked my consumer report and noticed some inaccuracy, late payments, and undisclosed third party from the reporting credit agencies. Please reinvestigate the following accounts below : XXXX XXXX : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to 15 U.S.C 1681 E ( b ) states that Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 U.S.C 1681 A ( c ) state that any report in which a person who has been requested by a third party to make a specific extension ofcredit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of theperson to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; ( Meaning a corporation/business can not involve an any other corporation/business ( third party ) without consumer decision respectfully. Must come with name and address to whom the request was made. 

Im requesting an deletion if the creditors procedures cant be proven.
Product: Debt collection

There is a collection agency for some apartments that i never lived at. I have disputed this account multiple time with no success. I have had the collect agency send me the information they had, which showed that the dates this apartment was leased, I was receiving unemployment. I contact unemployment and got my records from them and filed another dispute and submitted my unemployment documents to prove it was not me but still no success. XXXX has also contacted the collection agency with my documents but they will not remove it. I have contacted the collections agency asking what kind of steps I could take to get this removed and they told me to pay it. When I tried to explain to them the situation, they told me there was nothing i could do. This account on my credit is holding me back from so many things and i just need help getting it off please!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX credit card account has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Lastly, 15 usc 1666b A creditor may treat a payment on my credit card account under an open end consumer credit plan as for late any purpose.

I called and asked for it to be removed and was told that they no longer can do it and I am responsible to do it myself
Product: Credit reporting or other personal consumer reports

Nothing happened. I was wonder why I was getting a bill Year later found it in my credit report. Called to get removed they said I made a payment Noow after 3 years they still bill me. 
Ive never own amx, They are allowing someone to use my account. Because theres a large balance. I dont fly  or go anywhere but theres fly miles. I certainly would Not have signed up for an account that charges for non use fees I found. I want this removed. Ive called my bank and they can not find proof of payment. 
I want this removed from my list.
Product: Debt collection

In XXXX I purchased a Harley Davidson XXXX motorcycle. For various financial reasons, I was not able to make payments. On only one occasion, someone attempted to repossess the bike. There were no other attempts or actions in the last 13 years that I am aware of. About 2 weeks ago, I received a call from XXXX at XXXX XXXX, a third-party debt collector, XXXX stating that they were trying to take possession of the bike. I spoke to an attorney that suggested that I reach out to you to report this due to the length of time citing then Fair Credit Debt Collection Practices Act ( FDCPA ), section 1692. In speaking with XXXX, he said that he would be taking legal action and taking me to court. He threated to take legal action, get a judgement and a Writ of Replevins to take possession of the bike. At this time there is nothing on my credit report for anything regarding the motorcycle. Please review and advise of my next steps.
Product: Debt collection

This debt was a result of a dispute between my family and the apartment complex lived in approximately two years ago. Because of the circumstances surrounding the cancellation of the lease the original client request for this case to be closed with the collection agency. The collection agency closed the account at the request of the their client but failed to remove it from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I contacted XXXX XXXX regarding a 30 day late reported on the account. The agent I spoke too suggested that I submit a goodwill letter regarding the account since I have always paid on time and have never been late in the past. I submitted a goodwill letter in early XX/XX/2021, but XXXX XXXX has not responded. In addition there is a violation regarding Debt Dispute Violations by CRAs. The creditor failed to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of receiving notice/letter of my dispute.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$20000.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$590.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I went through aXX/XX/XXXXXXXX bankruptcy recently. I paid to have my loan reaffirmed. However, SWBC is refusing to give me access to my account online unless I refinance my mortgage. Is this even legal? They make mistakes left and right in peoples ' escrow accounts and not having access to verify what they do is unacceptable. Is it legal?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XX/XX/XXXX Digital Federal Credit Union XXXX XXXX XXXX XXXX XXXX, MA XXXX Subject : Dispute of Late Payment Under the FCRA Dear Credit Dispute Department , I am writing to formally dispute the reporting of a late payment on my account that appears on my credit report. I am requesting an investigation into the accuracy and validity of this information under the Fair Credit Reporting Act ( FCRA ) and related laws. 

Grounds for Dispute Inaccurate Reporting 1.Verification Requirement Under 15 USC 1681i , I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that DCU verify the accuracy of the late payment/charge-off and provide supporting documentation within 30 days, as required by law.

2. Billing Error Protections Per 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason. If the charge-off stems from a billing issue, I request DCU provide evidence that proper billing practices were followed.

3. Liability for Noncompliance Under The Privacy Act of 1974 and 15 USC 1681 section 602 states I have the right to privacy 4. Under 15 USC 1681 section 604 ( a ) section 2 states a consumer report agency can not furnish an account without my written instructions.

Request for Action I request that DCU : 1.Conduct a thorough investigation of the disputed late payment/charge-off.

2. Correct any inaccuracies and notify the credit reporting agencies ( XXXX, XXXX, and XXXX ) of these corrections. 

Please confirm receipt of this letter and provide a written response regarding the results of your investigation. If no verifiable documentation can be provided to substantiate the late payment/charge-off, I expect the information to be updated to paid as agreed, never late on my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The address associated with this account isnt mine I have never had or have I ever opened a capital One or any other credit card. The person associated with the address XXXX XXXX XXXX XXXX to this fraud account should be prosecuted for XXXX if you investigation is through you would see this.
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third-party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it XXXX was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. I Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent. Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.
Product: Debt collection

I am writing due to National Credit System is trying to collect on a debt that is not accurate. Two of the credit bureaus have remove this inaccurate information from my file. 

This company according to the State of Florida secretary website shows this company not active to collect in Florida. I have attached that document.
Product: Money transfer, virtual currency, or money service

The service in question is PayPal. I use PayPal mostly as a front for online transactions to protect my debit card data - things like subscriptions and for paying people online for merchandise. 

Sometimes I will sell personal items that I own. Mostly horse tack. Some of these items are high dollar value - usually a few XXXX up to a couple XXXX dollars at a time. 

Recently I decided to let go of a bunch of my tack as I really don't need it sitting around. I sold several items for between $ XXXX {$200.00} for each transaction, but XXXX person decided to purchase several items for {$500.00}. 

Paypal flagged my account and prevented me from withdrawing the funds. They asked me through the app to provide identification and tracking information, as well as supplier info and other details. I called them, since I am not a business - just a person selling her stuff online. The front line customer service person released {$70.00} of the funds, and I provided him with tracking information for all of my sales, providing proof of delivery where possible. Some items were still in transit. 

He said he would forward the information to the " back office '' and they would get back to me in XXXX hours. I checked my account the next day, and PayPal stated that my account was permanently limited and I would not be able to use the account for anything again. Funds remaining would be held for XXXX  days to ensure no chargebacks, etc. 

I reached out to customer support again and asked the reason why and the customer service representative told me " I can't tell you the reason why, as others will try and use that information to get around the system. '' She also couldn't release the remaining {$410.00} and the other {$90.00} in monies currently on hold. She simply stated that the account was permanently banned and I would have to wait to get my funds. 

Upon digging through my money requests from folks who bought from me, the invoices were made inaccessible and flagged as " possible scams ''. This is not true and I provided full proof of delivery to PayPal and would be happy to provide proof of interaction with the people in question. They are not interested and refuse to release the remaining funds in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX have information that is incorrect and fraudulent accounts on my credit report. I am confused on why I am being accountable for false information. It is affecting me and damaging my character. Inquiries are on my report that is not allowed to be and wasn't approved by me. I have reached out to them, they haven't provided me with documents in regards to the accounts and their reporting different information, all three bureaus, I don't understand that if they all receive the same information from different creditor 's. I don't want to br held responsible for false information nor identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX i believe this company violated code 15 USC 1692c section B. 
communication violation. 
this company is also reporting on my credit every month as a collection.every month it is noted as a C for collection, when it is a collection they are not supposed to mark on the month notes.
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit card or prepaid card

I contacted Capital One and they were in agreement that there was numerous charges of $ XXXX.+ charge to a XXXX XXXX in XXXX XXXX , FL. I told them I had never been to XXXX XXXX, FL. They refuse to credit me. I need help. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me.
Product: Mortgage

My mortgage is in foreclosure. Attorney has motioned for judgement on default. We have paid back all the payments we were behind. Over {$52000.00} the last two years. Gregory funding is asking for over {$22000.00} in back payments to re instate. No explanation as to why they are asking for so much. We completed everything they asked for in paying back our forbearance amount and was current through XX/XX/21. Their modification offer was for {$500.00} more a month than our original payment and we also have to pay our own homeowners insurance. Another {$180.00} per month. They will not work with us or explain why our reinstatement amount is so high
Product: Checking or savings account

On XX/XX/XXXX my phone was stolen. The thief accessed many of my financial applications including my Ally account where I have my primary saving and checking accounts. Thousands of dollars were transferred to random accounts via XXXX. When I learned of it I immediately called Ally to report it. In that following week I filed a police report and identity fraud report. One day my Ally card declined and when I called about it I was told my relationship with them was terminated and the disputes were reversed out of my favor ; their reasoning was that the phone I reported stolen was continuing to access my account. This is entirely impossible as the phone was stolen mainly, but also remotely wiped via XXXX, passwords/usernames updated, etc. No one was able to inform me how this decision was made. I was told an investigation supervisor ( XXXX XXXX, last name spelling may be wrong ) would call me last XXXX  XX/XX/XXXX. I have not heard anything to this day, XX/XX/XXXX, and have called multiple times on multiple days to no success both direct and to the general fraud department. I need this case to be looked into further.