23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/year>, I requested that the lender give me information on how to apply for cancellation of my private student loans on the basis of fraud and/or misrepresentation by my school. I have two loans through this lender that were taken out from a school already deemed by the court of law to be fraudulent and predatory. I asked for a process of relief for this reason and I uploaded a cover letter describing the issue along with a detailed application listing the affected loans, how my school was predatory, and the harm that it has caused and supporting marketing materials from the school. I also uploaded my federal loan email stating that the federal loans taken out from this school were approved for discharge due to the aforementioned reasons. I received an email response on XX/XX/year>. They said that discharge due to misrepresentation is a federal loan program only.
Product: Debt collection

To whom it may concern. 
About a month ago, I noticed there's a collection on my credit report ... from Mitchell D Blum and Associates I sent a dispute letter asking them to proof me the debt is my ( validation ). They respond to me on XX/XX/2019 by sending me my discharge hospital documents. I feel that is a privacy isue, that shouldn't happened ( HIPPA ) and not only that I can't figured out on that document how I owe them the money that they are trying to collect, this is unfair and abusive.
Product: Credit card or prepaid card

I am writing to ask the CFPB to intervene in Citi Bank 's political position in no longer lending money to companies that make firearms. They were bailed out by we taxpayers, and they have no right to cut off funding and kill jobs to make political statements.
Product: Debt collection

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : \ ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling Experian for months regarding an obvious error on my report that they simply reply to as " Verified ''. They are reporting that I have two auto loans with XXXX XXXX  which is false. There are even two separate account numbers for each of the alleged accounts. Pursuant to 15 USC 1681 s-2 ( a ) Furnishers have the responsibility to provide accurate information. They have been made aware of this error and yet continue to report false information.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX || Account # : XXXX - XXXX XXXX  || Account # : XXXX - XXXX XXXX  || Account # : XXXX XXXX XXXX || Account # : XXXX
Product: Checking or savings account

I was solicited by BMO Harris bank to open a checking account and I would receive {$300.00} bonus. I opened account and added my husband as co-owner on online application. The offer was to have direct deposit, account activity, and paperless statements. The account type was selected by BMO per the offer. It was not disclosed in clear terms that I needed the maintain {$25000.00} balance to avoid being charged $ 25 month. 

The account opening was in XXXX or XXXX. XXXX and XXXX I see 2 {$25.00} fees. I inquire and I am told that is based on account type. I explained this is what I was told should be opened for offer for {$300.00} bonus that was made. Offer only referenced {$6000.00} or {$8000.00} of direct deposit over 90 days with debit card activity and online statements. Nothing about keep $ XXXX balance. 

They refunded XXXX of the fees and in XX/XX/XXXX or so confirmed request to change account type. XX/XX/XXXX they charged {$25.00} fee again. I asked for this to be returned as I already changed account type to online account. They refused! I further inquired about {$300.00} bonus and was told I was an existing client! This was not true I had never been a client before! This whole thing is so sickening! 

People are struggling. I am an unemployed XXXX XXXX XXXX due to COVID collecting unemployment. It is painful that I get solicited for my banking. I keep my side of bargain and not only do I not receive the bonus but I am out {$50.00}! I am sure this nickel and diming bank has received some type of COVID relief from government. Its a crime how they are treating people like me struggling with no help. 

Please help me recoup fees and the bonus that is owed.
Product: Checking or savings account

3 months ago, I opened a checking account with U.S. Bank. The term was for me to get {$350.00} bonus after direct-deposting for 3 months. After 6 months, U.S. Bank did not provide me the credit as promised, so I closed the account. First, U.S bank charged me {$36.00} for closing the account. Then they closed it and sent me a check with my remaining balance. Now, after a month of closing, they suddenly stated there were pending transactions at the time I closed the account, and now they are posted. And because I had no balance on my account, they charge me {$36.00} fee for each transaction causing me to be overdraft for {$200.00} in fees and {$43.00} in transactions. This is clearly a crime. How could a bank is allowed to operate based on fraud like this? How could they not see pending transactions at the time of closing until a month later? Are they doing fraud on customer. This needs to be looked at.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute involves the credit company : Experian. Ive sent multiple disputes online and magnolia by mail and they dont help me. The accounts are not mine and I have provided them proof and they still are not doing anything about it. The other two credit bureaus have removed the items off my report. Only Experian has not! Worst company ever!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2019 I requested verification of an alleged debt owed by me to XXXX XXXX account # XXXX XXXX XXXX I was responded to repeatedly with verified as accurate. I then disputed directly with XXXX XXXX and was told that I dont have any accounts with them. I would like to know why these accounts continue to be reported on my credit reports and how they are being verified if no such accounts exist.
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  must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Below is the accounts that need to be removed : XXXX XXXX XXXX
Product: Checking or savings account

Marcus is actively trying to prevent my wife and I from closing our accounts and accessing our funds. We have authorized our new bank to process the funds and Marcus is actively putting holds on our accounts and refusing to let us close them inclusive of clawing back funds. Marcus even tried to call me to find reasons to prevent it and opened the call informing me Im on a recorded line without asking for my consent first. I would like my accounts closed ASAP
Product: Credit card or prepaid card

This 'll be the 20 second time that I have called Bank of America XXXX XXXX to settled my dispute while being on hold every single time for approximately XXXX hours sometimes even hanging up and calling back and being told that the dispute department is closed and I was sitting on the phone for no reason a few other times I was just hung up on and other times I was lied to and told I was going to be connected with him supervisor and they were going to help settle my dispute yet nothing happened and I got hung up on or left on hold for another 8 hours until the phone just hung up on me randomly I have multiple accounts that are have been have already been notated on my account I also have taken dose of my own approximately XXXX and {$740.00} has been stolen from my account I asked them to please look at the video feed because it looks like there are mostly ATM transactions and I know for a fact that it's not me I have been trying to settle this dispute for weeks now take an L need to get nowhere and I'm afraid I will be told that it'll be my fault if I'm not able to settle the dispute in time I have filed complaints and took notes of my own and called the network and yelped and but please report for the transactions that had taken place this year will be my third complaint with no response back also there is a charges in another state that are not mine in Florida to be exact if you noticed that my charges are nothing over {$100.00} and then all of a sudden they go range from XXXX to {$1000.00} in consecutive intervals on the same day within minutes of each other I was unable to login to my account online for a long time so I didn't notice the charges were on there please view footage of ATM transactions they're further show proof that is not me withdrawing the funds thank you I hope this matter gets resolved promptly so that I make it back to my life thank youa
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate items on my credit report that continue impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items as it is incorrect and does not reflect my true credit history. 

Accounts names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Through Navient, was on a income based repayment place and authorized the agreed amount of {$670.00} to be withdrawn from my account on the  XXXX  of every month. On  XXXX   XXXX ,  2017 , Navient withdrew {$650.00} from my account. Then proceeded to withdraw the regular payment on the  XXXX . Called Navient to address issue and they said I agreed to have an extra payment taken out, which there was no record indicated on the account. I am not currently on the thi rd month (  XXXX  ) an d they are still proceeding to take an extra {$600.00} out of my account every month.   This is jeopardizing my account and has put me in the negative.   Navient has said they will investigate the matter and refund the money that was taken out of my account, as of today  XXXX   XXXX ,  2017  this has not happened.   I have managed my money to make this payments accordingly, and with these extra withdrawals this has put me in the red and Navient has shown no interest in fixing the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reinserted a collection in the past due amount of {$430.00} also, a opened date of XX/XX/2022. This account was removed and resolved with previous assistance of a cfpb complaint and has been reinserted without my knowledge and or a written notice. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681i 5 ( B ) section states Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information ( ii ) Notice to consumer ( iii ) Additional information : written notice to consumer ( C ) Procedures to prevent reappearance ( D ) Automated reinvestigation system
Product: Mortgage

Im a XXXX veteran living in XXXX XXXX, and because of that I am exempt from paying property taxes on my primary home. I closed on my property in XX/XX/2021 and it contained the documents which stated that Im exempt from paying property taxes. 

Three months ago I received Escrow analysis from ServiceMac stating that I was short because they paid some taxes to XXXX XXXX. This increased my mortgage by more than {$1000.00}. Ive called and explained to them multiple ( 10 ) times and they agreed that the payment was error on their part and XXXX XXXX. 

However, ServiceMac is insisting that I pay the full Mortgage with the taxes and they will send me a refund when XXXX XXXX refund their money. 

I believe the two organizations ( XXXX and XXXX XXXX ) made an error and the little man should not be paying for their errors/negligence. I dont have the money to pay this high mortgage, and Im pleading to anyone who will listen to help a XXXX veteran. 

I have included previous and current mortgage amounts. 

Thank you and XXXX Bless you for listening.
Product: Credit reporting or other personal consumer reports

Previously, I submitted a dispute regarding inaccuracies in my consumer report, specifically related to the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After a third attempt to formally dispute the inaccurate information appearing on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ) regarding the Accuracy and Fairness of Credit Reporting, and 15 U.S.C. 1681s-2 pertaining to the Duty of Furnishers of Information to provide accurate information, I am turning to the CFPB for remedy. Upon reviewing my credit report, I have identified these two charged-off tradelines contain numerous inaccuracies which are negatively affecting my creditworthiness. I respectfully request a thorough investigation and deletion of these tradelines based on the following inaccuracies : Please find the complete information attached to this file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION WITHIN MY TRANSUNION REPORT THAT I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY THE REPORTING OF ANYI UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.IT CANT BE PROVEN IVE EVER RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED POSSIBILITIES OF MISREPORTING OR MISINFORMATION. PLEASE PHYSICALLY CERTIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, AND EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute late payment entries on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( U.S.C ). 

According to my credit report dated XX/XX/XXXX, there are two late payment entries listed for CREDITOR NAME : XXXX ACCOUNT NUMBER : XXXX in XXXX and XX/XX/year>. However, I would like to bring to your attention that these late payments are inaccurate and unjustified. 

I contacted the company directly regarding this issue and spoke with a representative named XXXX. During our conversation, XXXX confirmed that the late payment entries were made in error and were not a valid reflection of my payment history. As a result of this error, the company refunded me {$30.00} in late fees as a gesture of acknowledgment. Based on this confirmation, I am formally requesting that you remove this inaccurate late payment entry from my credit report immediately. 

Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable.

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15 U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies. 

I am formally requesting that you investigate this late payment entry and provide me with the following information : 1. Verification of the accuracy of the late payment entry, including proof of the alleged late payment.

2. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments.

Given the confirmation of this error by the original creditor, I expect a thorough investigation into this matter and request that you provide me with a written response within 30 days, as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA. 

Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

credit card opened by spouse solely XXXX credit card co charged of debt XXXX debt was purchased by Western State Financial Management, LLC Judgement was sub- served to mother of spouse. 
Spouse was in hospital in critical care when sub-served. 
spouse passed away shortly after without knowledge of service on judgment. 
Hamerhoff Law obtained judgment after attaching me as spouse. 
I had no knowledge, never signed or requested said credit. 
Hamerhoff Law then renewed judgment XXXX. 
Now remarried - have lein against the title of home purchased under my name, and new wifes name.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act.The list of account below violated my federally protected consumers to privacy and confidentiality XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account number # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number # XXXX XXXX  XXXX XXXX, XXXX. account number # XXXX. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years.

15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Debt collection

I HAVE A LETTER FROM XXXX XXXX XXXX STATING THE BILL WAS TAKEN CARE OF SEEING IT WAS A MILITARY RELATED INJURY. I HAVE CALLED MANY TIMES BUT IT CONTINUES TO STAY ON MY CREDIT XXXX REPORT.
Product: Credit card or prepaid card

I opened a 0 % interest credit card with Capitol One Quicksilver beginning XXXX XXXX, XXXX. The 0 % interest promotion was for 15 months. The promotion, therefore, expired on XX/XX/XXXX. 

My due date for my statement billed on XX/XX/XXXX was XX/XX/XXXX. I paid off the entire credit card balance before XX/XX/XXXX. I made one payment on XX/XX/XXXX. I made a second payment, bringing my balance to {$0.00}, on XX/XX/XXXX. Therefore, I paid off my balance in full by the due date ( i.e. during the grace period ). 

On XX/XX/XXXX, I received a statement saying I owe {$140.00} in interest. Capitol One tells me that I did not have a grace period between XX/XX/XXXX and XX/XX/XXXX. 

When I opened the credit card, I read all the terms and conditions available to me on the offer on the website, and nowhere did it say I would not receive a grace period upon the end of the promotion. Additionally, my statement on XX/XX/XXXX did not state in plain terms that I had no grace period ( nor did it tell me the promotion ended ). Finally, per the representative on the phone, my XX/XX/XXXX statement charging me {$140.00} has a grace period until the due date on XX/XX/XXXX. 

So, Captiol One deceptively eliminated my grace period for one month just to " get '' me with an interest charge on a promotional credit card offer. This is not only fraud ( i.e. I would not have opened this credit card if I knew there was no grace period upon the expiration of the promotional offer ), but also unfair and deceptive business practices. I had no way of knowing by the plain meaning of written terms when I accepted Capitol One 's offer that there would be no grace period at the conclusion of the promotion period.
Product: Vehicle loan or lease

I recently purchased a car on XX/XX/XXXX from Hgreg, the vehicle was a XXXX XXXX XXXX and the car completely died the mechanics labeled it as a seized engine and can no longer operate. The dealership has told me over and over they will do nothing to help me at this time due to the fact I own the vehicle and the repairs and damages are on me, the car was damaged before I made the purchase they just failed to comply and say it.