23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Aggressively recruiting students to take out loans with no regard for their ability to pay them back and predatory lending practices. Forced me into a high interest loan with little to no financial aid. These student loans are also from XXXX XXXX who along with Navient has been found to have fraudulent behavior regarding taking advantage of students at a young age to take out high interest loans. I borrowed between after XXXX and before XXXX where Navient was found guilty of these charges.
Product: Credit reporting or other personal consumer reports

Received a call from someone named XXXX XXXX, saying she was from Chase Bank Fraud dept stating a Third party tried to apply for credit for over {$1000.00} and gave me XXXX as a case ID, and then wanted to transfer me to another department to reconcile this error. Something told me this didnt sound right, so I ended the call. Then immediately got more calls from two other numbersnumbers AZ XXXX, FL XXXX and AZXXXX. Please respond at your earliest convenience and thank you!
Product: Credit reporting or other personal consumer reports

The credit reporting agencies XXXX, XXXX and XXXX is reporting a bankruptcy to my report after it clearly states and are governed by law that The United States of Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit file. Please remove the following from your records. Furnishing of this information violates The Fair Credit Reporting Act and my consumer rights to privacy.
Product: Checking or savings account

On XX/XX/XXXX at XXXX I was scammed out of {$530.00} from a chime " agent '' that called from the actual number of chime support saying there was a issue with my savings account and that I needed to move my money to my checking account in order to fix it due to a XXXX XXXX XXXX being connected to my account and a XXXX XXXX and then I could move my money back once it was fixed that it was the only way to do the reversal for the {$500.00} pending on my account and that {$50.00} was used at a XXXX XXXX XXXX.He then said he would have to have his manager do a payment refund request in order to stop the pending but took the money and when I called the number back it was the chime support number but they claim no agent called me and they denied my dispute twice saying there was no error and still haven't gave my money back so I filed a police report with the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX/XXXX  XXXX
Product: Debt collection

On year 2020 when the pandemic was at the tip in point I have to overdraft the account for emergency reasons and couldn't pay back on time and the bank started to harassed me to collect the debt payment but I wasn't able to pay at the time cause I lost my job because of the pandemic
Product: Vehicle loan or lease

Good evening. Unfortunately, I feel harmed by the Honda financial XXXX  for not being clear and professional when I traded my car. I traded a XXXX XXXX XXXX for a XXXX XXXX XXXX. However, a negotiation was made that added a lot of interest or something like that to my financing. The total financed was {$65000.00} with XXXX  monthly installments of {$980.00}. I have already paid XXXX  monthly installments totaling {$22000.00} and I still have to pay XXXX  monthly installments of {$980.00}, giving a total of {$60000.00}. XXXX. being that the market value of the car is between {$25.00} XXXX to {$29.00} XXXX. I ask you to please help me with this situation because I don't know what to do and I'm no longer able to pay this amount. I bought it in 2022 and it's financed until 2029 Please Help me! Thanks God Bless you
Product: Debt collection

they call at least 6 times per day and sometimes even while im on the call with the company they are calling me on the other line.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I can still see the INQUIRIES that I was requesting to get deleted. These inquiries were not authorized by me and I don't even recognize it.
Product: Credit card or prepaid card

2 months ago I filed a fraud complaint with American Express. Someone charged over {$3000.00} on my card ordering something from XXXX. To this day, neither American Express nor XXXX will disclose any information about this fraudulent charge. Basically claiming that they need to protect the criminals. 

My identity has been stolen and it only makes sense to get information to me so that the detective involved in this case can see if this is associated. American Express REFUSES to help me Thus they are part of the problem in letting criminals go free and leave me vaunerable to more fraud. This is so unfair and it almost seems like American Express is trying to cover something up. 

I asked for a phone number where the detective on the case could call to get involved, and they refused to provide any information. 

Clearly American Express has issues with XXXX. It's easier to just refund for fraudulent charges rather than actually try to find answers as to who is committing the crime. 

I starting using American Express assuming they might give me better service than Visa or Mastercard. Clearly I was wrong.
Product: Debt collection

XX/XX/XXXX Sent a letter to company regarding a debt alleged that I owe, I have resided in the same house for 20 years. I had no knowledge of alleged debt I have not received a call or a written statement to contest or dispute the alleged debt. Upon applying for a mortgage I am advised that I owe XXXX XXXX XXXX or XXXX XXXX XXXX  XXXX. I have no knowledge of this this information is incorrect and should not be on my credit report until validations have been made. XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, FL have not attempted to reach out to me and this debt is alleged to have happened in XX/XX/XXXX. This is unacceptable. Validations need to occur prior to placing false information on one 's credit report. This is smudge on my report and delaying the closing on my home XX/XX/XXXX.
Product: Credit reporting

Date : XXXX/XXXX/XXXX To Whom It May Concern : Equifax XXXX XXXX, GA XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my I am not able to access my credit file my public information is missing personal credit reports is nowhere to be found please update my correct address Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have been living there since XXXX/XXXX/XXXX If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 

I look forward to an expedite resolution of this matter Thank you. 

EQUIFAX XXXX XXXX/XXXX/XXXX XXXX AM NO XXXX XXXX INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE Name : XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX since XXXX/XXXX/XXXX Please update my phone number to my public record Home Telephone Number XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, Name : XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continuously sends me notification emails about new products they offer. 

They claim that these emails are not marketing emails because they sometimes include a link to check my credit report. However, it's clear that the primary purpose of these emails is marketing, and not " a recent change to my account '' or " important information about your account ''. 

This is particularly the case because clicking on the link in the email takes the user to an aggressive, full-screen, up-sell to a " premium service '' that no user who understands the credit reporting system would agree to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : Reference number XXXX XXXX filing date XX/XX/2019. Reporting this false information violates my rights. Based on Equifax themselves they stated they verified this account from a third party XXXX, I have included a letter from XXXX from a couple years ago stating they have removed this from their reporting as it was an error. Equifax has refused to remove it from their reporting even though they stated they verified the information from XXXX whom stated they removed it from their report a couple years ago. Equifax is violating my rights by reporting false information that they stated they verified from XXXX which is a lie as this is not on my XXXX. I have included the letter from XXXX of the removal and I have included information from Equifax of them stating they got this information from XXXX. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

THIS IS THE LAST WARNING. BEFORE I TAKE LEGAL ACTION NEXT.
Product: Credit reporting or other personal consumer reports

I have submitted an identify theft report to XXXX about some inquiries that are on my credit report and they have failed to validate who the spoke to during theyre investigation saying that those inquirs are factual according to the FCRA these inquires must be removed if stated as FRAUD
Product: Credit reporting or other personal consumer reports

- Creditor Name : XXXX XXXX XXXX - Last Reported : XX/XX/XXXX - Open Balance : {$460.00} - Opened On : XX/XX/XXXX - Account Status : Collection account I would like to dispute the accuracy of this account. According to my records, I do not owe this amount, and I believe this account has been reported incorrectly. I have also noted that there are consumer disputes regarding this account, which further supports my claim that the information is inaccurate.
Product: Checking or savings account

Complaint against Chase Bank for refusing to open Banking accounts : Earlier today I learned from a J.P. Morgan Private Client Advisor, XXXX XXXX XXXX that Chase Bank can not open any banking accounts for me and I need to contact its compliance department at XXXX. Upon further inquiries, I was told by a XXXX agent in its overseas XXXX call center that the Chase Bank has maintained a secret file on me and she can not disclose what is the reason why I can not open any Chase bank deposit accounts, notwithstanding that I have been a Chase customer since early XXXX and I have many bank accounts opened since then and still have many credit cards accounts opened with XXXX since 1994 with excellent credit scores of more than XXXX! 

Based on the information I have so far, I have been illegally discriminated against by Chase Bank in regard to opening bank deposit accounts ( checking and savings ) and such kind of illegal practice must be stopped. Moreover, I demand that Chase Bank to provide me with a clear explanation what is the reason for its refusal to open any bank deposit accounts and what is the content of the secret file it has maintained on my profile at the Bank. 

In addition to the requested information and full disclosure from the Chase Bank, I am demanding {$1000.00} for the financial and emotional damages caused by the illegal and discriminatory banking practice done by the Chase Bank so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried three times to get TransUnion to verify this account the debt collector did not validate and they still tell me it's verified but show no proof. Account number XXXX
Product: Debt collection

I don't owe anything to PORTFOLIO RECOVERY ASSOCIATES with account number XXXX and XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Product: Credit card or prepaid card

XXXX # XXXX placed on XXXX was returned because I was sent incorrect style of sunglasses, purchase date shows as XX/XX/XXXX on statement. The item was returned via USPS parcel return service on XX/XX/XXXX, it it still unclear if a refund will be issued or not, the phone rep I spoke with earlier said it is being worked on but had no other information. This is not the first time I've been sent an wrong item, XXXX XXXX has sent me items in the past which have turned out to be wrong item/style. I emailed a XXXX XXXX on XX/XX/XXXX requesting a refund in advance of receipt of item due to situation, wrong item sent. She referred me to a XXXX, I left her a voicemail on XX/XX/XXXX, did not call me back and it is now XXXX. I request Capital One, the bank whom issues the card I placed order on, to dispute the charge with the information I provided above. They should be able to track the return through XXXX XXXX and the order number I provided, the return label was provided by the company.
Product: Credit card

I have ONGOING services with a website developer in California named XXXX XXXX XXXX. I paid for XXXX transactions each for {$1200.00} totaling {$2500.00}. XXXX was made on XXXX XXXX and the other on XX/XX/XXXX. XXXX was for an XXXX & XXXX mobile app for my online webstore. The other was for website maintenance for 3 years ending in XXXXThey were to complete the XXXX  in 3-4 months ( XX/XX/XXXX ). Every time I contacted them they asked me to be patient and it will get done. By XX/XX/XXXX I asked for a refund leaving over XXXX messages that no one would answer. The other payment for XXXX XXXX hasn't been maintained until XX/XX/XXXX. There's a XXXX ( XXXX ) number that's on my website I have no access too, my website was dismantled, so I wouldn't know if a sale was made, i can't access my social media or pages my administrative pages. A website newsletter I have no access to, and there are errors that haven't been fixed after several attempts etc. I made a report with the California attorney generals office ( where the company is located ), the XXXX, FTC and the Florida Attorney generals office ( where I reside ). All of which found in my favor for a refund, and all were ignored by the company when they contacted them. The FTC instructed me to contact my credit card company to get a refund. I did, and filed XXXX disputes. XXXX in XX/XX/XXXX and XX/XX/XXXX. A senior account manager said I should be refunded, but her boss said that there's a 60 day policy to issue refunds and it falls outside of the 60 days. I explained that these are ongoing services and and it takes several months to build a online mobile XXXX. They declined to pay me back twice. Capital One is a XXXX XXXX dollar revenue company ( per their XXXX business profile ), and I'm struggling in this economy living paycheck to paycheck. Capital One needs to refund me. Please help me. Thank you.
Product: Debt collection

Since XX/XX/2021 I had been receiving calls from a restricted number and in XXXX XXXX I decided to answer. They said they were with Commenity. I told them to stop contacting me and yet since then until today XX/XX/2021 they continue to contact me from a restricted number. Today XX/XX/2021, they called around XXXX and told the representative to not call me again. An hour later I received another restricted call and it was Commenity. I also told that representative that I talked to someone an hour ago and if I was called again from a restricted number that I would file a report and ended the call. 

I have attached screen shots of my call history for the restricted calls.
Product: Checking or savings account

I have over {$33000.00} in savings with Capital One. Those funds were supposed to be making 4.35 % interest but were only actually paid .3 %. I have transferred all that money out of Capital One but would like to be reimbursed for the interest that was not paid as advertised.
Product: Credit reporting or other personal consumer reports

I requested all 3 credit bureaus send me a credit report after looking at my Personal information, I drafted a letter with all information needing correction. In asking for my personal information to be updated after seeing several names addresses, phone numbers, I sent them all the following up-date ... XX/XX/year> To whom this concerns Please send me a copy of my consumer file to the address below A.S.A.P. 
SOCIAL SECURITY NUMBER : XXXX DATE OF BIRTH : XXXX PHONE NUMBER : XXXX Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Enc. Copy both sides XXXX Real Drivers License, also Social Security Card, Proof of address documentation. 
Sincerely XXXX XXXX XXXX. 

As I still wait responce correction from TransUnion and XXXX the send me a older reporr with out updated information on it.
Product: Student loan

I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran. I am unemployable as I am almost XXXX XXXX. I have a student loan with American Education Services. I was paying them up until my unemployment check was available. Now, I rely only on my XXXX compensation check from the VA to sustain myself and my family. It is already hard enough to make ends meet, as I have a son in college and a XXXX years old daughter. I have tried many times to ask to cancel my loan, or at least to reduce my monthly payments, but I was denied each and every time. I have sent all documentations they have requested that show my XXXX, but their answers still the same, I have to pay {$750.00} each month. Now, they send me to collection. Would please help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX, transunion and XXXX credit bureau to dispute a incorrect address thats on my credit file and they told me it is undisputable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THIS IS FRAUD AT ITS FINEST
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting 90 day late payments on two accounts beyond 7 years. Late payments from XXXX reporting on accounts. Please see credit reports attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXX-Discharged Reference # : XXXX Date Filed : XX/XX/XXXX ; Bankruptcy XXXX XXXX-Discharged Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Discharged Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Hello I hope you guys can help. I have been dealing with this debt for 8 years and no matter how much time goes by I just can NOT get these guys to take this off my credit. After 6 or 7 years ( I forget which ) creditors have to take old debt off your credit report. Legally their are NOT allowed to continue to ruin my credit for the rest of my life over one thing that happened in XXXX. I had gotten some things from XXXX XXXX XXXX XXXX and my house was broken into and all the items stolen then I lost my job and was unable to pay for the items. Well it's been 7 years and they can't just continue to try to collect on that forever and ruin my life over it, it's past the statute of limitations and they're still putting this on my report. It even said on my credit report that it would have to be removed XX/XX/XXXX and they somehow got that date removed now it doesn't have any date for removal. They have to take this down they don't have a choice it's illegal to continue to do what they're doing to me and I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained multiple times regarding medical debt that " XXXX '' continues to report inaccurately. This company nor the original debt holder can validate that I am the debtor for any medical collection. I personally visited the Hospital that the alleged debt resulted form to inquire about financial responsibilities under my name. The financial facesheet that was printed had a list of inaccurate information including incorrect first and last name incorrect birthday This information was taken from the MOUTH of an unknown individual using a name similar to my own children 's name. There is no identification for the children or the adults registering the children.