23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have student loans totaling about XXXX dollars that were all consolidated back in XXXX with XXXX at a great rate of 1.75 and I would be paying like XXXX a month for like 23 years. I was fine with it and paying monthly for 7 years. 
Then, I was contacted by FEDLOANHELP.ORG ( CROOKS ) to consolidate loan under a new federal program that would basically mean I pay the same amount but only for ten years. It was a plan for Obama to get all Americans out of XXXX debt in ten years for those who qualified. I recently got destroyed in business and was happy to hear about this and said sign me up. They took my tax info, pay stubs, verified who I was and what I owed and then came back with approval. They took over payments seamlessly and for all of XXXX I thought I was in the program paying monthly as usual. Then, I got a letter from XXXX saying my deferment period is over and I need to start paying. I contacted fedloanhelp to verify what I was paying and they said a computer issue put me in program but did not pay off my old debt and now I can not be part of the program. I contacted XXXX and they gave me a new rate based on where rates are now which 5.375 about 3.5 points higher than I previously had. Then, I was owed a refund from FEDLOANHELP on all funds paid but then after 30 days they said lack of funds be another XXXX. Then, after XXXX more they are saying bankrupt now. However, if call they are still pretending to be working and taking new clients. Now, I am back to my old XXXX loan year later with a new higher rate and everything I paid last year was stolen and not towards any loan of mine. They do not call or email me back on anything. The Thieves working as normal people are listed below but this is who I left off with XXXX XXXX who sounds legitimate on phone and tricked me completely in to waiting 60 more days while they continue to rip people off. XXXXXXXXXXXX Please make sure they are shut down so no one else sends money to these organized crooks
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy. 

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Umm, hello? Woke? Why is there a 'debt for {$540.00} ' with a debt collector? You allowed a stalker to nearly hurt my partner XXXX XXXX XXXX she had to reach out and have the police to secure her safety, so we bought out the lease for like {$3000.00} paid in full and moved to a new location, and now you add insult to injury with another fake debt for {$540.00} with a debt collector? 

We are reaching out to the Great POTUS XXXX XXXX and next XXXX XXXX XXXX to help us on this matter - because XXXX knows these XXXX XXXX  Scammers, Con-artists, and Trash need to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/22. I forgot autopay was set up and accidentally paid twice. Immediately contacted Ally to discuss options. Was informed by agent Id have to dispute with my bank. So I do. Both payments end up refunded. 

XX/XX/22 I call ally to discuss how I can pay to avoid being late. XXXX informs me to pay again. 

XX/XX/22 Two additional payments come out of my checking account for a total of three payments for the month of XXXX. I dispute one with the bank. 

XX/XX/22 I get an another car payment from ally taken out of my account. I contact XXXX assistant branch manager to assist with Ally. Ally refuses to speak with XXXX despite my explicit authorization that XXXX can talk directly to Ally. Ally issues refund. 

XX/XX/22 Ally issues another refund and says I am now late on my payments. Ally has blocked my bank account from being able to pay online. Ally customer service keeps blaming XXXX and making excuses.
Product: Credit card or prepaid card

On XXXX, 2020, I attempted to place an online order on XXXX. XXXX 's website with my Capital One visa card. They are based in the XXXX XXXX. Capital One, the credit card company, did not authorize the purchase. I called them to speak to a fraud specialist, XXXX, employee ID number XXXX and she verified my identity through their app by sending me a push. She then told me to go ahead to make the purchase. The authorization was rejected again. She then said that she would need further identification to lift the restriction on my card. I said that I could provide a passport card, which is issued by the US Federal government, or a passport. She said that this was not a valid form of ID for their company. At that point, since this is not the first time I've had trouble making international online purchases using my Capital One visa card, I said I wanted to redeem the points I had accumulated in around 20 years of being a client and close the account. She said I could only unlock the account for those purposes by providing a driver 's license or a state ID. I do not drive and I have no use for a state ID since a passport card or passport will suffice. The next day, I called again and spoke to another supervisor in their fraud department, XXXX, employee ID number XXXX   XXXX. She said that unless I provided a driver 's license or a state ID, my account will be locked. She said I had no recourse since she was the highest in the chain of command that I could speak to on the phone. I demanded to speak to someone in their corporate office but she said she could not transfer me. I subsequently wrote an email to XXXX XXXX, President of Financial Services, in their corporate office. I have not heard back from him. 

As an indication of how ludicrous their practices are, I subsequently made two purchases from the same vendor using my XXXX card and my XXXX XXXX debit card. I did not need to confirm my identification using a state ID or a driver 's license. 

Capital One is practicing discrimination against customers who do not drive and do not have a state ID. I wont get a state ID and incur additional expenses just to continue using this credit card. I have called numerous times to their fraud department to no avail. At this point, I just wish to redeem the points I have accumulated over 20 years and close the account. However, I am not able to redeem the points because my account is locked. The reason for locking my account is unclear to me as is the fact that Capital One does not accept a US federal government issued passport or passport card as a valid form of ID even though the U.S. federal government is a higher authority than any state government. There are all kinds of legal ramifications that follow from the discriminatory conduct of Capital One 's credit division and fraud department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$880.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I ahve an account XXXX with XXXX Bank who purchased my mortage from another XXXX inherited all payment terms and agreements from my original lender, including the condition to remove PMI once I reached the 20 % equity threshold in the home value or mortgage loan limit. which was not the case here as XXXX bank used his own terms and which was not agreed with my previous lender, additionally, XXXX Bank continued to charge me PMI and should refund these charges, as per the agreement with my initial lender when I closed on my home in XX/XX/XXXX. 

I reviewed my account and it appears that I have been overcharged by at least {$860.00} due to excess PMI charges. I reached the 20 % share threshold back in XX/XX/XXXX, but PMI continued to be charged after that. Despite sending a written request in XXXX, I was still charged for PMI in XX/XX/XXXX. 

i tried to communicate with XXXX bank and requesting a refund, as this overcharge was clearly not legitimate and funds were withdrawn from my account without my consent but they declined tosend any money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 All of these companies have ran my credit profile, not of my knowledge. I have been a victim of fraud, and I did not consent or apply for anything with any of these companies. I have not had any service done by none of these companies. I have never called or applied with any of these companies. I believe it was fraudulent activity not knowing of my knowledge.
Product: Debt collection

15 U.S. Code 1692c - Communication in connection with debt collection a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Debt collection

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Product: Checking or savings account

From XX/XX/XXXX to XX/XX/XXXX, I have multiple charges from XXXX and XXXX on my chime account. I noticed that someone hacked my account and was charging these different amounts on my account. I filed the dispute last night and this morning, not even 24 hours later they said that they denied it. No real investigative work was done to even determine the validity of the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. Please remove these items from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting the agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of a Data Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  XXXX - XXXX My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX  - XXXX My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Product: Debt collection

Spoke with rep they settled for amount.Paid in full directly to them Capital One. Also received letter saying debt paid in full will be reported as completed.Its been XXXX months still no update .Still saying owe {$540.00}!!!!!! Called them spoke with department XXXX times confirmed settle told me it wasn't going to report anymore still showing negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$950.00}
Product: Checking or savings account

On XX/XX/XXXX I made a cash deposit for {$120.00} at a XXXX ATM, using my navy federal account it is convenient being that it is miles closer to my job than any Navy Federal branch. I was told years ago that I would be able to do this with no issues by a Navy Federal employee. I was told that they are on the same network. I have never had any issues with deposits in all of this time outside of XX/XX/XXXX. 
On the XXXX I did my usual and deposited {$120.00} cash in the ATM but I was met with an error message and a ticket print out to give to the teller. The deposit was in a sunday, so I had to wait until Monday to talk to XXXX about it. I went in Monday and they told me to go to Navy Federal. I went to Navy Federal and told them and showed the ticket and they began the process of an ATM dispute. During the investigation my account was credited the {$120.00}. 

As of recent I noticed my checking account had an adjustment of - {$120.00} I called about it and was told there was no issue found. 
I would like to be provided the report as well as provide further information on my end along with added attachments to support my case. I have never filed an ATM dispute. I just want my deposit.
Product: Debt collection

An unverified account was reported to my credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the Credit Reporting agency disclose to me all the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting on my credit report. They have responded by saying that these accounts have been verified. I would like copies of the documents that they have in your files that were used to verify them. If they do not have any documentation in their files to verify the accuracy of the disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
Product: Mortgage

WHILE MAKING AN ELECTRONIC PAYMENT ON XXXX/XXXX/15 GREEN TREE DOUBLE CHARGED ON THE SAME DAY AT THE SAME TIME MY XXXX XXXX XXXX ACCOUNT # XXXX FOR MY LOAN # XXXX. 
I DISCOVERED IT THE NEXT DAY AND PROMPTLY NOTIFIED GREEN TREE THEY HAD INCORRECTLY CHARGED ME TWICE FOR THE LOAN PAYMENT. 
INSTEAD OF SIMPLY LOOKING AND VERIFYING THE DOUBLE CHARGE IN THEIR RECORDS AND CORRECTING THE OBVIOUS MISTAKE THEY DEMANDED I PROVIDE THEM WITH BANK STATEMENTS AND ABOUT XXXX OTHER TIME AND EFFORT CONSUMING ACTIONS BEFORE THEY WOULD REIMBURSE ME THE MONIES. THIS UNNECESSARY WORK AND DOCUMENTATION WOULD RESULT IN A SIGNIFICANT DELAY WHILE THEY WRONGFULLY HELD MY MONEY. TO RESOLVE THE MATTER THEY AGREED TO SEND AN EMAIL DOCUMENTING THE REQUIRED ACTIONS BY ME BEFORE THEY WOULD RETURN MY MONEY. TO DATE THEY HAVE NOT DONE SO FURTHER DELAYING RETURN OF MY MONEY.THIS HAS CAUSED A HARDSHIP PAYING OTHER BILL BECAUSE OF THE LARGE AMOUNT OF MONEY.
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date XXXX inquiry : XX/XX/XXXX ; XXXX XXXX/XXXX  XXXX  XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  XXXX  XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX T Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX/XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing and an automobile. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

Equifax is reporting a large amount of erroneous credit inquiry information from multiple consumers. I did not authorize these inquires. These consumers did not have my approval when processing a credit check. This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 166XXXX ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me XXXX  days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  officer XXXX XXXX ( XXXX  XXXX ) requested permission to run a hard inquiry on my credit. I did not get my consent for this pull. They ran my credit anyways. This is a flagrant disregard for FCRA.