23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Prior to attending a certificate program that allowed me to defer my loans, my monthly payments were {$550.00}. 

I just finished my program and when I set up XXXX to make sure my payment would be made electronically every month, I noticed that the payment amount was only {$490.00} and some change. 

There was no explanation. I was never informed. This would result in greater interest being charged over the life of the loan. A lot more interest. This seems unethical at best and is most certainly deceptive. 

Further, when I previously had XXXX set up, it would only charge the amount I authorized. But now the form implies the amount can change. Since I can't negotiate the terms, this seems problematic at best. 

Finally, I was forced to accept the terms and conditions with no ability to negotiate those terms. Since I don't have a choice in repaying my loans, to be forced to agree to terms and conditions seems yes you guessed it problematic ( proper punctuation omitted on purpose for effect ). 

I have spent years dealing with student loan lenders. It never gets better. It only gets worse. At the very least I should have had a choice in the lower payment amount and been informed of the consequences. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I requested an investigation on XXXX XXXX : Account number : XXXX. This account came back verified with information updates. Transunion updated the report claiming to have been provided additional information in regards to the accounts information reporting. The late payment on the account came back as verified through the cfpb. That is mind boggling due to the fact that no documentation to support this late payment history has been provided to me. I am requesting the documents provided by XXXX to XXXX in order to verify the accounts information. The specific legislation within the Fair Credit Reporting Act ( FCRA ) that enforces credit reporting agencies to share documentation from credit furnishers with consumers is Section 609 ( 15 U.S.C. 1681g ). This late payment is a violation under 15 usc 1666b. The payment was made on time before the due date. This section mandates that credit reporting agencies must disclose to consumers all information in their credit file upon request, including the sources of this information and the identification of each person who procured a consumer report. Please take a moment to provide the requested information or grant me my right to address the account that I have indicated and its error.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Sir, My self XXXX XXXX, using XXXX Credit Card since 2007. I observed in last month that company has practice to charge interest on due amount without adjusting partial payment made on or before due date. On asking clarification on this they told that until unless full amount is not paid interest shall be charged without adjusting any partial payment. 
Kindly look into that matter and justify why the partial payment should not be adjusted in principal amount for calculating interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lowes card was never used. There is no information in their computer system. It is eight year old account. It is still on all three  credit reports. It needs to be deleted off.
Product: Debt collection

I received a letter from XXXX XXXX XXXX about a debt from LVNV funding LLC that i do not recognize. They did not provide me the orginal purchase agreement or any contract bearing my signature that i owe this debt and they are reporting this inaccurate information on my credit file i will not pay a debt to someone that i do not owe. i ask that they provide me the orginal purchase agreement to verifiy that i actually owe this debt or remove this from my credit report they are in violation of the fair debt collection act by reporting this unverified account on my credit report.
Product: Credit card or prepaid card

On XX/XX/2022, Capital One closed my credit card account. They assessed a {$150.00} annual membership fee when I opened that account. They refused to refund this fee despite closing my account. I was not able to use the account despite paying this fee, so not refunding it seems like a deceptive trade practice. Additionally, as part of my signup bonus, I was promised a {$200.00} bonus if I spent {$200000.00} on the credit card. I spent {$200000.00} and Capital One did not give me the {$200.00} bonus I was promised.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I initiated a dispute via the CFPB. And a month earlier, I mailed the same dispute by letter. XXXX responded to the CFPB dispute on XX/XX/year> and stated that it may take 30 days to finish the investigation. Under the FCRA, Experian had 30-days from the date it received my dispute to finish its investigation. Not only ha 30 days passed since Experian received the dispute on XX/XX/year>, but 30 days has elapsed since Experian responded on XX/XX/year>. This is not to even mention that I started this dispute in XX/XX/year>. Under the FCRA, Experian is required to delete any disputed information that Experian was unable to verify as accurate or complete within XXXX. Therefore, Experian must delete all disputed accounts.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential XXXX XXXX. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential XXXX XXXX. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am an victim of identity Theft.
Product: Credit reporting or other personal consumer reports

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 % accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of the counts being deleted otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are 100 % incorrect and I demand them to be REMOVED immediately
Product: Debt collection

Midland Credit Management has not furnished any of the following information to me documented in the previous validation letter. I asked specifically for : *THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR *VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
*ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR *PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR *PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. 

I have not received this information from Midland Credit Management. I was only provided a credit card statement.
Product: Checking or savings account

Bank of America randomly charges XXXX dollar monthly maintenance fees with no explanation I just got one for XXXX, previously charged in XXXX, XXXX, XXXX, and XXXX. I would like a detailed explanation for this.
Product: Credit card

Applied and received a NEW Citibank XXXX XXXX Credit Card. Received the physical card on or about XX/XX/year>. Activated the card for myself and authorized user ( my daughter ). First purchase/transaction was declined and fraud alert attached to account. My daughter called the number indicated and reached call center in XXXX. She was told that I ( primary cardholder ) needed to call in to verify identity. On XXXX XXXXXX/XX/year>, I called the " fraud division '' for Citibank and once again connected to call center in XXXX. The representative barely spoke XXXX, but I agreed to continue with the " verify '' identity process. I was asked to provide a " different '' phone number ( other than my cell phone ) to verify identity. I gave them my daughter 's cell phone number. I was told that they " could not use this number ''. She then asked for my Employer phone number, I indicated I was XXXX She then proceeded to ask me if I had a different credit card account ( from different company ), I reluctantly provided information for a XXXX XXXX credit card ( including full account number ). Once again I was told " this verification did not work ''. She then proceeded to ask me for my bank account name, routing and account number. At this point, red flags ( data mining ) I stopped the verification process. I then indicated that I wanted this account cancelled. She asked me to verify the last three ( 3 ) transactions on the account and the method used to pay the bill. My response was " there are no transactions as this account was just opened, and a fraud alert was issued ''. The representative was clearly following a script, and kept on with the " we can not verify this account/identity. '' At this point I was speaking loudly into the phone to CANCEL THIS ACCOUNT, since it is useless. The representative refused the cancellation request, saying the account could NOT BE CANCELLED until the verification process was complete. I then asked for a supervisor, who was connected after waiting another XXXX minutes. Again, I said CANCEL THIS ACCOUNT, and she told me the account could not be cancelled until I verified the last three ( 3 ) transactions and payment method. After mounting frustration and unable to get this call center ( and reps ) to acknowledge this account has NEVER BEEN USED, I had to end the call. I want this account cancelled, Citibank refuses to close the account until my identify is verified. However, I refuse to provide my banking information from a different institution because of their " verification '' process requirements. I want this account closed immediately.
Product: Credit reporting or other personal consumer reports

Greetings, I requested that TransUnion and XXXX to update my personal information on my credit report on XX/XX/. The information that was requested was to remove all previous or address that inaccurate on my credit report and only use the address. 

XXXX XXXX XXXX, XXXX, XXXX XXXX Also, I requested all phone numbers to be removed from my credit report and change my work history to XXXX. 

As of now, the information still remains on my credit report, and I would like for the information to be deleted. 

Also, the only name that should be on file is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/XXXX, Equifax, XX/XX/XXXX, and XX/XX/XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EQUIFAX 1. Validate Account XXXX Account Number :  XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : -XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XX/XX/XXXX Account Number : XXXX For XX/XX/XXXX 1. Validate Account XXXX Account Number :  XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
For XX/XX/XXXX 1. Validate Account XXXX Account XXXX : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XX/XX/XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
5. Validate Account XX/XX/XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX repossesion on credit report should be removed from all three credit bureaus XXXX havent made a payment to this company in XXXX since the repossesion this needs to be removed time has lapsed on allotted time for reporting i never made any payment in XXXX  disputes have been filed but not honored to all credit bureaus
Product: Credit reporting or other personal consumer reports

An American Express Account " XXXX '' in has been wrongfully added to my credit report affecting my XXXX XXXX on both XXXX and XXXX credit reports. I am not the owner of this account, and this was added in my name illegally and is entirely inaccurate. This is defaming my name and impacting my right to credit as well as voilating the consumer protections act and fair XXXX credit reporting act since this is fraudulent reporting. The only way for this wrong to be corrected is for this entire account and all of its history to be removed from my credit profile immediately. I have never been personally liable for any american express credit card in my life. Please report this, rectify it completely, and stop this fraud from taking place.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX Balance Owed : {$520000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

On XX/XX/2020 I deposited 3 amounts, XXXX, XXXX, and XXXX. I had a positive balance in my account prior to making the deposits of XXXX as shown to me both on the web application for Citizens bank and the mobile application. I took screen shots of the mobile application. Two of the amounts were checks and did show on hold but appeared to credit my account on XX/XX/2020. I can show this in a screen shot as well. I had a positive ending balance on XX/XX/2020. I was charged overdraft fees on XX/XX/2020 of XXXX, 7 overdrafts at XXXX each. This caused my account to go negative and generated true overdraft transactions. I was then again charged overdraft fees for those transactions and then again today on the XXXX. At no time was my account negative where I was shown the reasoning for the overdrafts. It is deceptive practice fr Citizens Bank to have done this! I am now almost XXXX negative, XXXX that was caused by Citizens Bank and XXXX I do not have. I indicated to the that if they are seeing something different than I am on the front end application through the web or mobile then it is deceptive to the user, me. I want the charges reversed and the admittance of a mistake or a blatant misleading to the consumer. I understand if I was negative and charges went through that forced a negative balance but in this case it did not. And the overdraft charges are continuing to cause overdrafts. I called the Federal Trade Commission and they gave me your information. How can they do this to someone in this time with all that is going on? Did they think I wouldnt notice the positive balance in my checking account?? How can you cause someone to go XXXX negative??? 

I was part of a class action several years ago where Citizens did this type of thing to many people, it was determined as deceptive and many were awarded refunds. I received a refund of all the overdrafts for a period of time. 

I want the charges reversed. I did not cause this issue Citizens did, and charging me for something that was not an issue as far as I could see is not right.
Product: Student loan

Received an email and few calls from Mohela servicing which is a third party for the federal student loan service. The call was received XX/XX/year> stating I owed a $ XXXX balance and loan was transferred to Mohela from federal student loan. I tried to log into my Mohela account while I was on the phone and could not get into my account even after resetting the password. Reply said incorrect information. I asked the Mohela representative to send me information and they said to log on my account and also when they called me on the phone, they used my previous last name which I have not used in 5 years. The representative stated they just received my account XX/XX/year> which I know was odd because all my loans was forgiven and I filed bankruptcy over two years ago even on private loans. I contacted student federal service and XXXX to let them know what transpired. The companies said to file a report against Mohela because I do not owe any and federal student loan service and also XXXX said they would have reported any loans to Mohela but I had no loans to report since they were all paid. I filed a complaint and changed my passwords with federal student loan service. I tried to change my info on the Mohela website but did not allow me. Website said no account found. I tried again to change password on Mohela site and still nothing. XX/XX/year> I received another email from Mohela stating I am pass due over $ XXXX. Also I received another email email from federal student service apologizing for the scam and to report it. I am reporting to all platforms that the federal service suggested.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was important and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for over 11 years. The following  2  accounts and credit inquiry are fraudulent :   XXXX   XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX   XXXX ,  XXXX / XXXX /  XXXX  ,   XXXX   XXXX    XXXX   XXXX ,  XXXX / XXXX /  XXXX  , Further, I want the following personal information added to my credit report : Employer :  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , ND  XXXX , Phone :  XXXX  Position :   XXXX   XXXX   XXXX   XXXX   Annual Salary : {$150000.00}
Product: Credit card

In XXXX of this year 2023, Bank of America decided to close my credit card, saying that it was a unilateral decision on their part. When I checked, they took away all my points earned in the rewards program that they offer, something that almost reached {$2000.00}. When I called on several occasions they told me that they could not do anything, since they had decided to close the card and the points were lost, I opened a claim and they answered the same thing, however they told me that I had to pay my credit card as much. as soon as possible so that it does not affect my finances, it seems to me that if I earn my points using the card as they say, it is not fair that they decide to keep the reward, however, as I said before, it must be fully complied with with the payment to them, I was finding out and investigating where I could complain until I managed to get this excellent page where I can leave my problem and I think you can help me
Product: Debt collection

I saw a collection on all 3 credit bureaus on my report from DEBT RECOVERY SOLUTIONS for {$580.00}. Acct number XXXX. THIS IS NOT MY DEBT! I did not get a PAYDAY LOAN FROM XXXX XXXX. I never received correspondence from this company stating that, I owed the money, or was aware of this debt. This is illegal and unethical practice. A company should not have the authority to place a collection/debt on a consumers credit file without correspondence or proof of debt owed.
Product: Checking or savings account

I was accused of fraud and chase closed my account with money with no explanation