23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In the latter part of the first decade of 2000, I decided to put myself through college. It was a hard decision, as I was working full time and raising XXXX children. I eventually opted to go with XXXX University, and only had time to get a degree online. As I was barely making ends meet as it was, I took out loans to pay my way - in hindsight, this was the biggest mistake I have made in my XXXX years. While I currently have a decent job, unless I am making double what I am currently bringing in, I have no hope in paying these loans off. I am straddled with XXXX private loans ( XXXX through Wells Fargo and XXXX through XXXX XXXX ) and XXXX consolidated federal loan ( upwards of {$96000.00} ). My issue is not with the federal loans - these I will never pay off but the payments are based on my income so I am able to manage ; the problem is with the private loans. The payments for these loans are more than four times higher than the federal, and payback amount is nearly three times smaller. It does not help that I originally co-signed with my ex-wife on these loans, and Wells Fargo is unwilling to remove her as they would have to be refinanced in my name only - which I have tried in the past to do, only to not get approved. These loans make me wish I would have never gone back to college - they will burden me my entire life. It makes sustaining a living extremely hard, getting approved for credit a nightmare, and returning to school for a XXXX Degree something that I would never attempt out of fear of digging myself even deeper. Things obviously need to change! The cost of education is astronomical, and it effectively ruins the financial lives of so many young Americans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PLEASE DELETE ALL THE NEGATIIVE ACCOUNTS AND INQUIRIES XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XX/XX/2023 XXXX  Date of inquiry : XX/XX/2023 XXXX  Date of inquiry : XX/XX/2023 XXXX AUTO Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XX/XX/2023 XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  XXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX, Date of inquiry : XX/XX/2023 XXXX  Date of inquiry : XX/XX/2023
Product: Checking or savings account

I had atleast 4 bank accounts and I had XXXX with all 4 and I had friends, associates, family members send money via XXXX the banks closed my account for suspected fraud, I can't even open another bank account I need help to resolve the matter so I can open a bank account thank you
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 
Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consen
t. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Delete this information immediately!

I regret to inform you that my rights are being violated due to the discrepancies found in your reporting practices, as specified in the accompanying document. I must express my disappointment as the document provided lacks completeness and fails to meet the standards I expect. It is imperative to comply with the legal obligations set forth by the Fair Credit Reporting Act ( FCRA ) and Metro 2 requirements, which necessitate the truthful, accurate, timely, and comprehensive certification of all aspects of compliance. Failure to adhere to these standards will leave me with no alternative but to escalate these concerns to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and engage the services of my state 's Attorney General.
Product: Credit card or prepaid card

I have made several attempts with Apple Bank ( through Goldman Sachs ) to have my monthly payment lowered because I am unemployed and can not afford to make the payment. They have refused to lower the payment and have have threatened to report me to several credit bureaus. I have been trying to work with them but they have been unwilling to work with me. I have been adamant that I want to make a payment. I just can not afford the payment they are demanding. I have tried to work with at least 6 representatives with this bank to no avail.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the XXXX days since I sent my previous request for correction but you have clearly failed to take any actions.
Product: Vehicle loan or lease

ON XX/XX/XXXX I received a letter from CHASE Auto Finance stating that my payment of {$190.00} was returned unpaid. Attached there was a coupon to resubmit payment. I called as soon as I received it to make another payment over the phone ( like the one before and got a confirmation number for the 2nd time ) It was automated and could not speak to a person. On XX/XX/XXXX. I received a letter that said my recent payment of {$190.00} was returned so I called again..still no person to talk to only automated.. Once again I had gotten a confirmation number. On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX in XXXX Va. ( on XXXX XXXX ) and Secured a loan to refinance the XXXX from the CHASE auto finance. I had gotten the pay off from " XXXX '' from Chase and gave that to XXXX. XXXX sent a overnight check to the address that XXXX and given them. It was the wrong address. She lives in XXXX AZ. She said the address was XXXX TEXAS! the check did not get to the correct destination and afterward I received a letter on XX/XX/XXXX with the same context and on XX/XX/XXXX one that stated I had fallen behind and to let them know how I would like them to handle the debt. I had already refinanced and had a loan with XXXX XXXX XXXX so I thought it had crossed in the mail. I tried calling XXXX at CHASE but she wouldn't help when I called XXXX they got on the phone immediately and started straightening things out. They over knighted another check this time to the correct address in TEXAS It was applied and my loan was paid off by the XXXX of XXXX. On my credit report it showed that I had 2 loans for the same car and that the one with CHASE was in Maximum delinquency of 30 days in XX/XX/XXXX. My Credit score had dropped from around 823 down 100 points! I was no longer in excellent status! THIS WAS NOT MY FAULT AS I DID EVERYTHING TO KEEP UP MY STANDING EVEN TO REFINANCE WHEN CHASE COULDNT RECEIVE MY PAYMENT. XXXX FROM CHASE GAVE XXXX A WRONG ADDRESS ON TOP OF EVERYTHING ELSE. Had she given them the correct address I would not need to be writing about what is showing up on my credit report and my score dropping. I have worked very hard all my life to keep my good name and good credit! It's says on my report that it wont come off until XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I contacted Ally and informed them that I was in quarantine due to COVID and recently moving to Alaska. I paid the amount due as soon as I was able to get to access to the my banking accounts on the internet. Ally told me they understood and then reported the loan late to XXXX 30 days. 

In XXXX of 2020 I actually contracted XXXX and was sick for nearly 90 days. I again contacted Ally and they stated it would be taken care of ... both XXXX and any result in XXXX or XXXX. Then they reported to XXXX  60 days late in XXXX. To XXXX Ally reported the loan 30 days late in XXXX, conflicting reports. 

I have mailed through the postal system correspondence supporting my claim. However, I have not received a response. I have attempted to email and send correspondence in this format. Their website blocks attachments and when I call them each time the customer service agent tells me I have to mail in my complaint.
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
By obtaining my consumer report on ( XXXX ) and also XXXX knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ) I have not initiated any transaction with { Insert COMPANY NAME }. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for review or collection Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get this incorrect status of late and repossession removed from my credit report. XXXX XXXX is reporting late and repossession on my credit report in 2017 and this is inaccurate. 

Also Experian is incorrectly reporting an XXXX XXXX XXXX that does not belong to me. 

Please remove unauthorized inquiries from my credit report : 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

NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND 1099C TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Equifax XXXX XXXX Account Number XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Balance {$750.00} {$750.00} {$750.00} Current Balance {$750.00} {$750.00} {$750.00} Responsibility Individual Individual Individual Status Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Collection account, Account previously in dispute - now resolved by data furnisher Dispute resolved reported by grantor Dispute Resolved - Consumer Disagrees
Product: Debt collection

My name XXXX XXXX, a federally protected consumer, and I am making this complaint against Ability Recovery Service for committing identity theft. I have never given Ability Recovery Service any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam legally refusing to pay this debt pursuant to 1692c ( c ). I am legally refusing to pay this debt pursuant to 1692c ( c ). Iam demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until Ability Recovery Service can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and Ability Recovery Service continues its collection efforts, I will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028 A. extortion, theft by deception, securities fraud, and mail fraud. Also do you have a SSA - 89 Form can u please tell me you have this on file. Upon the receipt of documents herein and of this Notice, you are hereby notified Pursuant UCC 1 - 202f. Your prompt Attention and Response are both requested and required. Ability Recovery Service # : - XXXX
Product: Debt collection

I owed a debt to XXXX which handed the debt over to Unifund CCR. Unifund took me to court back in XXXX and was awarded a judgement of {$5900.00}, and I have been making {$80.00} a month payments ever since. On XX/XX/XXXX I was contacted by XXXX XXXX from XXXX XXXX XXXX and I was told the debt was given to them. I paid {$2000.00} and was sent a letter stating the debt was settled. I received letter from Unifund on XX/XX/XXXX, from their attorney XXXX XXXX stating that I owed {$1900.00}. I don't recall the exact date but I called and explained that I paid the debt off and sent them a copy of the letter stating it was paid in full. I received another letter on XX/XX/XXXX from XXXX XXXX stating that I still owe the debt and they never authorized any other agency to collect. I called XXXX to explain what happened by they just directed me to Unifund.
Product: Credit card

XXXXXXXX  Dear Representative, Please protect me from American Express. American Express has repeatedly engaged in intentional deceptive and abusive practices that violate my consumer rights, as evidenced by the following : 1. Conflicting Dispute Timelines : American Express has provided inconsistent information regarding the timeline for my dispute. XXXX  XXXX shows a chat message confirming that my dispute timeline was valid through XX/XX/year>. However, the next week I received an unsigned letter dated XX/XX/year>, stating I had 30 days to provide additional information to support my dispute. 
2. Unreviewed Dispute Closures : On XXXX XX/XX/year>, American Express opened and closed my dispute without conducting a proper review, XXXX XXXX XXXX XXXX. Blocked Online Access : XXXX XXXX  demonstrates how American Express intentionally blocked my account from accessing the online dispute portal, further hindering my ability to resolve the issue. 
4. Billing During Dispute Period : Despite being within the 30-day dispute timeline, American Express billed me for the XX/XX/year>, payment. This is documented in XXXX  XXXX and represents a direct violation of their stated dispute resolution policies. 
These actions by American Express are not isolated incidents but part of a recurring pattern of deceptive practices. Such conduct undermines transparency and accountability, leaving consumers like myself exposed to unfair billing and dispute-handling practices.
Product: Debt collection

On XX/XX/2019 I certified mailed Bank of America a Qualified Written Request ( QWR ) referencing an unlawful unjustifiable lien on my property XXXX XXXX XXXX, XXXX, PA XXXX. Pursuant to 12 U.S. Code 2605 ( e ) ( 1 ) ( a ) and Reg. X Section 3500.21 ( e ) ( 1 ) Bank of America violated this law due to no response to me ( the consumer ) within 20 business days and never followed up addressing my QWR to  date.
Product: Credit reporting

On XX/XX/2016 I seen on my credit report that accounts and inquiries was deleted only to login in today and seen that it was reinstated I did n't receive any information about it being reinstated and it effected my credit score
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit highlighting significant shortcomings within the platform. Despite my repeated use of Zelle and my efforts to report discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to fraud. 
This lack of accountability and transparency is deeply concerning and raises serious questions about consumer protection and financial security.