23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF EDXXXX XX/XX/XXXX DEPT OF EDXXXX XX/XX/XXXX DEPT OF EDXXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX sent me a letter on XX/XX/17 in attempts to collect a debt from a debt collector. This letter did not include a statement describing my right to dispute the debt as per FDCPA guidelines. 

The letter also stated " the total balance on the day you pay may be greater as a result of fees and interest that continue to accrue. '' This does not comply with the FDCPA 's requirement that debt collectors clearly state the amount of debt. By failing to provide additional information such as the interest rate, date of accrual, and nature of any added fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX account # XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX account # XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX/ account # XXXX XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a comsumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

The oppressive burden of my student loans has crushed my spirit and drained my finances for far too long. When I naively took out these loans to pursue an education, I was misled by deceptive lending practices that violate the Truth in Lending Act 's requirements for transparency. The true costs, fees, and lifetime repayment obligations were obscured from me. My dream of bettering myself through higher learning has become a nightmare. I implore you to examine how I was victimized and provide merciful relief from this unconscionable debt. 
Lenders motivated solely by profits must be held accountable when they run afoul of consumer protection laws like TILA. The Higher Education Act provisions like defense to repayment and borrower defense to repayment discharge explicitly allow for federal student loans to be forgiven if the loan agreement involved a substantial violation by the school. Predatory lending practices and misrepresentations also open the door for bankruptcy discharge of private student loans under undue hardship provisions. I beseech you to exercise your authority under these laws to rectify the injustice I have endured and give me a desperately needed fresh start in life.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card late payment XXXX FRCA Violation auto loans late payment XXXX XXXX XXXX FRCA Violation student loan late payment XXXX XXXX XXXX FRCA Violation inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Student loan

I am currently with FedLoans ( PHEAA ) and submitting for PSLF. I submitted an ECF 3 years ago for my oldest employer and they did not try to apply it until this year. After waiting 3 years, they denied that XXXX XXXX XXXX filled out the paperwork correctly. I worked for XXXX in a variety of jobs over 16 years so they put " see attachment '' and provided an attached document with the required information on letterhead and signed by a HR official. There is no reason that this should be denied. In the meantime, I called multiple times to ask if this would be a problem and was assured that it would not be a problem. I went back to XXXX and asked them to fill out XXXX individual forms to cover what I needed certified for PSLF. PHEAA will not expedite the review even though I have been waiting for 3 years. 

The years that this employment covers is further complicated as I was with XXXX as my servicer and can not obtain my records from them. Fedloans bought those loans in XXXX but even they do not have the records. This will further delay my PSLF review under the temporary waiver. 

I graduated in XXXX and have been paying on these loans for more than 20 years. After years of being given bad information by bad actors there is hope for forgiveness under the temporary PSLF waiver. I just want someone to make FedLoan actually review this final ECF and apply the payments ( through DoE review ) so that my more than 120 payments can trigger forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my investigation report and consumer report I found several inconsistency reporting on this account : XXXX XXXX XXXX # XXXX. 
It is your duty to ensure that all information reported is consistent and most importantly accurate and complete and you have failed to do so. Please delete this erroneous item immediately. Below are a list and pictures of inaccurate and incomplete information XXXX. XX/XX/XXXX I was not 30 days late. See my bank statement. 
XXXX. XX/XX/XXXX has ok but missing actual amount paid no data. 
XXXX. XX/XX/XXXX has ok but missing actual amount paid, no data. 
XXXX. XX/XX/XXXX has ok but missing actual amount paid no data. 
XXXX. XXXX has ok but missing actual amount paid, no data. 
XXXX. XX/XX/XXXX has ok but missing actual amount paid, no data. 
XXXX. XX/XX/XXXX has ok but missing actual amount paid, no data. 
XXXX. XX/XX/XXXX has ok but missing actual amount paid no data. 
Please fix or delete it from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

Paid off XXXX XXXX amount in XXXX. Tried calling and talking to local XXXX branch who forwarded us to Finance company who said they'd get it taken care off. After several attempts to check up on it through the past XXXX years they still have not responded or provided any documentation, nor has the lien been removed or title provided.
Product: Bank account or service

To Consumer Financial Protection Bureau, I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. 

In XXXX/XXXX/2015, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. This promotion was for Citi AAdvantage Platinuum Mastercard customer, which I am. The promotion was set to end on XXXX/XXXX/2015. Knowing that the application might not be approved before the XXXX, I had confirmed via phone with a Citi Bank representative on XXXX/XXXX/2015 that the application will be processed before the expiration date of the promotion, and that I qualified for the bonus offer of XXXX American Advantage points upon meeting the promotion requirements : Within 60 days, complete a purchase of {$1000.00} or more with your Citigold Debit card and perform 1 or more bill payments for 2 consecutive calendar months Similarly, I confirmed via phone again in XX/XX/XXXX, at activation of my account that I qualified for the promotion. This information should be discoverable as all conversations are recorded by Citibank. 

XX/XX/XXXX, after I met the promotion requirements, I contacted via phone Citibank to confirm this and to inquire when to expect the points to be posted. During this conversation, it was confirmed again that I qualified for this bonus offer. I was told to expect points to be posted within 90 days, and to check back if this did not happen. I provided my AA number at the time in hope to speed up the process. 
On XXXX XXXX, I inquired again about the status of the promotion with Citibank. A service request was logged by customer services to open an investigation ( reference number XXXX ). 

On XXXX XXXX, I received a formal letter from XXXX XXXX, Director, client research, informing me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. See attached letter from Citibank. This letter contradicts all discussions I had with Citi at the time I opened the account, at activation, and after meeting the promotion requirements. I would not have open a bank account with Citibank if it was for this promotion. I anticipated to use the points to plan for a vacation. 

All phone conversations with Citibank are recorded and should be discoverable. 

I am requesting Citi to honor the set promotion and to waive all fees for this account until the points have been posted. 

XXXX XXXX. 

Attachment Screen capture of application Letter from XXXX XXXX at Citibank.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXXXXXX  ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXXXXXX  PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME : ADDRESS : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXXXXXX  ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

On XXXX a letter was sent to XXXX, XXXX and Experian requesting debt validation and method of verification with all supporting documentation bearing my signature. To this date there has been no documentation provided and no response from the credit bureaus. This shows that Experian, XXXX and XXXX are not complying with their own policies to report accurate information, provide validation and method of verification along with all supporting documents in a timely manner this is a clear violation of my FCRA and FDCPA rights.
Product: Debt collection

Jefferson Capital Systems severally tried to coarse and induce me to pay a debt that I do not owe and have subsequently reported it on my Credit Profile which is currently impeding on my ability to gain any measurable job and credit. They have deliberately ignored my letter to them, demanding validation of the debt and any contractual agreement with them bearing my name, signature, date of birth. Furthermore, they have proceeded to sue me in the XXXX XXXX Civil Court, GA in order to place a public record on my credit profile for a debt that I do not owe to them, thereby, further halting my abilities to move forward to provide for myself and my family. 

Jefferson Capital Systems must remove the negative report from my credit and rescind the court filing with deliberate speed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a loan with XXXX XXXX in XX/XX/XXXX. Payments were consistently made on time. The vehicle started giving me problems so I initiated a voluntary repossession. The car was returned to the lender XX/XX/XXXX. They are continuing to report a late payment to the credir bureaus EACH month. This is almost 3 years old. There is no way this tactic can be legal. I've written them several times requesting that the stop, but each month, my credit score drops because they are wrongfully reporting this information.
Product: Money transfers

On XX/XX/2017 I ordered three items on line from XXXX and XXXX Order # XXXX. I used my PayPal account to pay for the transactions. I did not receive any of the items that I ordered by XX/XX/2017 so I called the company. They said they did not have the hat. PayPal had already billed my credit card. The company then sent me the top and necklace but not the hat. I contacted PayPal to dispute the charge on my credit card when the seller had not sent the item, did not have the hat in inventory, and refused to let me cancel the order for the hat. PayPal told me they were handling the matter with the seller. They gave the seller 10 days to answer the complaint. I talked with people in the XXXX in the customer service who did not understand the problem and did not try to help with a resolution. Today I received an email from PayPal telling me that in order to cancel the hat I have to, at my own expense, return the top and necklace, otherwise I have to allow the billing for the total amount of the order ( {$200.00} ) and they do not have to fulfill the complete order. This is a total ripoff of the consumer. They should not be allowed to do this to consumers!!!
Product: Checking or savings account

This company is fraudulent. Ive been locked out of my account for months because they cant verify my phone number and they wont send me an affidavit no matter how many times I call. I was assuming their protocol is just XXXX but when I just tried to log into Marcus, they asked how I wanted to verify the log in and my phone number was listed as an option to receive the code!! Furthermore, why would they even let me open the account and put in money without verifying first if that was really the problem? It was fine until I tried to withdraw the money and they locked me out. It has been an enormous headache to communicate with them because they do not want to help me figure this out and wont let me talk to anyone higher up in the company.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XXXX XXXX, XXXX I filed a complaint about the following reports being inaccurate : XXXX XXXX - date of report : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  - date of reports:XXXX and XX/XX/XXXX. 
I asked for these to be removed from my report and I have not heard anything about this matter.
Product: Checking or savings account

This situation has been a nightmare! I had multiple unauthorized transactions at the same store within seconds. I had lost my wallet and immediately called chime when I got the text. The agent I spoke to said not to worry since the charges were pending the system would block the charges from going through. That was a relief. After a few days the charges posted. I called back and was told that the agent was mistaken and that is not how it works i now have to file a dispute. Less than 24hrs later my dispute was denied. This made no sense. I emailed my law enforcement report and was told my case was reopened. No provisional credit, nothing. This has to be fixed. My social security is going to this account and this is wrong and needs to be fixed! I did everything right and have really been let down by Chime.
Product: Debt collection

In XXXX I received a loan from Upstart. From that time to around the end of XXXX, everything was fine, I was making payments on time. Around the end of XX/XX/XXXX I requested that the due date of my loan be changed to match my last payday which is the end of every month. I was told that that could be done and the representative put me on hold and when she came back, she confirmed with me that my due date was changed. I thanked the representative and went about my day. On XX/XX/XXXX, I was the victim of the Hawaii Wildfires. Even though my address is in XXXX, we also got the brunt of the fires as well. I contacted Upstart several times during this time and advised them of this and advised them that since my income had sufficiently decreased and that I was taking care of a XXXX parent, that I wasn't going to be able to do anything in the form of payments until this XX/XX/XXXX. I did my due diligence in contacting these people and they did not offer to make my account current during this time, nor did they waive any late fees as they stated that they did in their numerous emails to me. All they said was that my account was XXXX past due for the amount of a little over {$700.00} and that I could make partial payments to bring my account current or else the entire promissory note would be due in full and that my account would be charged off. There was no compassion, nothing, only threats and demands for monies that right now, I don't have as I am trying in vain to take care of my mom who is XXXX and get the damage to our home fixed. I need some sort of relief. All of my other credit card companies have been so thoughtful and even waived any payments that were coming due due to the fires. We were all over the national news!! What makes Upstart so special that they can treat people this way, and military people at that?
Product: Debt collection

Chase issued XXXX notices back in 2013 for some charge off accounts. I attached these forms to my taxes and paid my tax liability on it but they continued reporting the negative information on my report with an outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2016 I called my long-time internet /cable tv service provider, XXXX , to change my service. At no point during the conversation did they advise me that they would be conducting a 'Hard Inquiry ' to my credit status. 
In addition to receiving a negative strike on my credit report due to the unauthorized inquiry, I never received the level of service that I requested on XXXX XXXX, although XXXX has been charging me for that service since then. I just found out when my roommate finally complained to me that I was n't giving her what she was promised in our arrangement. 
My main concern at this point is removing the unauthorized hard inquiry to my credit. 
Additionally, I was advised that XXXX sent me the wrong cable boxes for the level of service I requested, and I 've been paying rent on these boxes in spite of not receiving the requested channels
Product: Credit reporting or other personal consumer reports

Please note that this is not a duplicate request nor filed by a 3rd Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, EQUIFAX a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at : XXXX XXXX XXXX  Account XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX  XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Number : These accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, and or hard inquires as reported. The aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud.
Product: Debt collection

XXXX XXXX XXXX has contacted my place of employment threatening to serve me with " legal documents ''. When I spoke to them the address they had on file from 2011 was incorrect. I asked them to remail a validation letter and was told no that they can text me. When I stated this was not good enough I needed written proof they said they will see me in court and hung up.
The file number that they provide is non existent, they can not locate any records. When I would not agree to pay without validation the man on the phone became defensive and started threatening me with lawyers.
Product: Credit card or prepaid card

On XX/XX/XXXX I was scammed by XXXX marketing for {$1500.00} In XX/XX/XXXX I informed XXXX XXXX and they reversed the charges. 
Then they added it back to my count and said I have to go through the courts. 
I went through the courts and won the case. 
On XXXX XXXX XXXX XXXX Volunteered to reverse the charges again since I won the case. They asked me for the court documents, and I sent them everything they requested. 
then on XX/XX/XXXX, they rebilled my account for the {$1500.00}. 
They offered the refund and credit ; I did not request it and then weeks later they said they made a mistake because it was longer than XXXX days. 
I did everything in exact timeframe.