23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When I applied for student loans through the fafsa government website I was approved for a certain about of student loans. A couple of loans I had taken were from an agency by the name of Alaska Commission on Postsecendary Education ( ACPE ). The loans I agreed to take were all federal loans. I did not apply for private loans. I found out about a year ago that a few of of my loans through them were actually private. I did not apply for private loans. I had only applied for loans through fafsa which are federal loans. Now that I am in repayment status, the " private loans '' do not have the same terms as the federal loans and I had absolutely no idea when I received these loans they were not federal and did not have the same terms. I am in a bind now that these so called 'private loans ' do not offer the same income based repayment plans as do the federal loans. They do not qualify for consolidation with my other federal loan lenders and I had absolutely no idea this occurred. I have XXXX loans with ACPE, XXXX of which are considered private state loans. How is it that XXXX of these loans are private and the other XXXX are federal? I had no idea and was not informed of these not being federal. I signed the promissory notes ; however, they are the same for all the loans I loaned from them. None of the promissory notes specify any difference between the state private loans or the federal loans. I was misled. I was not given the correct information regarding these loans or I would have not taken them. I intended to not take private loans out and it appears as though I did and I am not sure how that occurred. I need to find help with this matter as they are hounding me regarding repayment now. They are not offering lower payment options like the federal loans offer and frankly, I can not afford the minimum payment they are asking. Especially with the low wages available to people at this point, I am unable to pay bills, let alone student loans. I did obtain my degree ; however, I am realizing it was a bad decision and wish I could just get a refund and return my degree. XXXX is a joke. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a charged-off account listed under XXXX XXXX XXXX on my credit report. This account has been continuously verified without providing substantive evidence of its accuracy. This violates the Fair Credit Reporting Act ( FCRA ), and I am demanding immediate action to ensure compliance. Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation when a consumer disputes the accuracy of any information reported. To date, you have failed to provide evidence that the debt in question has been properly verified. Without such verification, this account should be removed from my credit file immediately.
Product: Credit reporting or other personal consumer reports

I recently check my credit report and noticed that Midland Credit Management has been reporting incorrect information. They have reported the account closed to XXXX and XXXX and reported the account open to XXXX. Midland has also closed and reopened the account on the same day. I would like this account removed off my credit report.
Product: Debt collection

I have not subscribed to XXXX XXXX XXXX XXXX services for over 5 years. This is an attempt by them to collect on charges that used to be on my credit report and was removed by the CFPB due to them illegally re-aging the account.
Product: Money transfer, virtual currency, or money service

The fraudulent transactions on CashApp occurred on XX/XX/2023 ( posted XX/XX/2023 and XX/XX/2023 ). Its extremely difficult to contact customer service. The chat and phone both options were utilized on XX/XX/2023. Informed of ongoing fraud. The chat rep only asked to email. On phone too after hours of wait they were not willing to act to stop or atleast freeze the account till investigation is completed. I emailed same day ( before transaction was posted ) with detailed descriptions and pictures to support the investigation and prove the fraud. 

" Thank you for following up on the potential scam. Your report will help prevent future scams. 
At this time, your report has been submitted to the appropriate team for review and no further action is needed on your part. Keep in mind that while reporting a scam does begin an investigation, its focus is prevention and not recouping loss. '' I reported the fraud before transaction was posted. Spend literally hours on phone and went through panic to stop this scam/fraud. They did not freeze the account, or reverse transactions or any measure that would stop this and help prevent fraud. 

It appears the CashApp is supporting the frauds and scams by their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX My ex wife tried to buy a car from XXXX XXXX XXXX and they pulled my credit without permissible purpose. I disputed this a couple of months after finding it out. Then I filed a CFPD Complaint on XXXX XX/XX/XXXX. I named Experian for not deleting the hard inquiries for this date. I supplied a letter from XXXX XXXX XXXX that said they did not have permission to pull my credit and said who it may concern to remove the hard inquiries. 
A few days ago I contacted Experian by phone and they removed the Hard Inquiries. Also I was sent to the Fraud Department and they asked me if I wanted to be put on a Fraud Alert. I asked will it hurt me. They said no. 
I received an Alert From Experian XXXX XX/XX/XXXX that my Address was flagged as less than 90 days old. I called Experian around XXXX eastern and voiced my complaint about them saying my address was less than 90 days old was a result of my dispute with CFPB and felt they were mad at me. They said no it was a pleasure to serve me. The lady said I could not validate my address over the phone that I had to send a copy of my Drivers license and Social Security Card in to them. I said you have a copy of them in your possession. I said this because they are actively disputing items with that address and they cant be entered into E Oscar without these items. Also I have been actively disputing items since about XXXX or XX/XX/XXXX and my Drivers license issue date is XX/XX/XXXX which they have copies of. This is over 90 days. 
I said are you sure you can't verify my address over the phone? the lady was very rude and said she could verify it over the phone after all when I said make sure that's the rule. She did verification using my drivers license information in a series of questions and personal information like SS number. She kept the XXXX XXXX and I asked to put my home address on there which was already on my report too. She said she could only put one address on there. I can't get mail at my home, there is no mail box. That's why I have 2 addresses. Experian has been sending all my disputes to the XXXX XXXX for months now. All my disputes have my mailing and home address on them. If you look at any of my CFPB Complaints all those documents show how they receive my disputes. At around XXXX XXXX XX/XX/XXXX I received an email saying I need to send them a drivers license and Social security card because my account is flagged as Fraud. I accepted the Fraud Alert on my Credit thinking it would not hurt me, but it has. I am not protected by it, I am a victim of it by Experian. It makes me feel like they placed the Fraud on there to make it look like I am committing the Fraud because of the CFPB Complaints and their actions are backing up that feeling I have. I am removing my Fraud Alert in the Morning so I can go on with my life without being a victim of them using the Fraud Alert to make my life uncomfortable because I pointed out deficiencies in the way they handle disputes. If they are able to slow down my disputing by these tactics they will prevent me from making financial purchases as well.
Product: Debt collection

I 've been disputing a derogatory account on my credit file and I wrote to the company after they validated the debt and asked for proof of the debt being mine ( signed agreement with this company ) on XX/XX/2017. On XX/XX/2017 I received my XXXX credit report stating that the account ( s ) had been updated ; however I did n't see where any major information had changed. I called XXXX and the representative told me that they just updated the origination date ( which is invalid ). I communicated that I am disputing that and I want the item removed. I called the company shortly afterward to communicated with them directly regarding the account. The representative hung up on me when I told him that he was in violation of the law. As a remedy I would like this complaint filed and the item removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMRENT, INC claims they received the following inaccurate information from XXXX which has caused me not to secure housing and has rendered me homeless. I have not given XXXX of anyone consent to share any information regarding me or my credit history. 

The following information is what XXXX reported. below :. 
Your XXXX credit score : SCORE DATE : XX/XX/ XXXX scores range from a low of XXXX to a high of XXXX. 
Key factors that adversely affected your credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROPORTION OF REVOLVING BALANCES TO REVOLVING- This is a billing error since all credit is commercial and open ended. 
CREDIT LIMITS IS TOO HIGH, TIME SINCE DELINQUENCY IS- This is a billing error since all credit is open-ended there is no limit. 
TOO RECENT OR UNKNOWN, INSUFFICIENT LENGTH OF CREDIT HISTORY, SERIOUS DELINQUENCY- This information being reported is completely inaccurate
Product: Credit reporting or other personal consumer reports

My account with XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX AND XXXX / XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX  on XXXX XXXX, 2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus last XXXX XXXX, 2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX Balance : {$23000.00} will be investigated and updated from my report.
Product: Debt collection

on XX/XX/ i received a collection letter from wilber and associates claiming i owed {$28000.00} not knowing what this was about i called the agency and they explained that they are attempting to collect money paid out by an insurance agency due to flood damage and stated that i stole copper plumbing and flooded a home that i recently moved out of. i at that point explained that i absolutely had nothing to do with any type of theft or damaging and at that point the female collector became very loud and aggressive i at that point told her to cease and desist my telephone number and hung up. onXX/XX/XXXX i received a phone call from wilber and associates yet again and it was the same collector. i stated we had already discussed this matter and it was false claims and to once again cease and desist my telephone number and hung up. on XX/XX/ i received yet another call from wilber and associates this time it was a male collector i advised him that i had already spoken to his office twice now and that the claim was false he at that point became extremely aggressive and threatening me that i am going to pay this and take responsibility. i advised him that i had previously on a recorded line asked for this agency to cease and desist and that i am telling him this as well he in reply said he will call me every single day.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX, XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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: Checking or savings account

I created a checking account on  XXXX / XXXX / XXXX  at  Webster  Bank at  XXXX   XXXX , Cambridge. There was an ongoing promotion of {$350.00} for the said checking account which is why I created the account. There were several requirements to get the promotion, and I successfully met all the requirements they asked within the time line. After 3 months, I even verified with the in-branch representative and the rep said I fulfilled the requirements and I would get the promotion value in a short time. However, the promotion value did not show up after a long time, so I asked again multiple times via phone and via secure messages in web service. Every time, I was confirmed that I was/am eligible for the promotional {$350.00}, and I just needed to wait while longer. This conversation went on and on. The first inquiry started at the end of  XXXX , and the most recent inquiry is  XXXX / XXXX / XXXX . They still say that I 'm eligible for the promotion, and I need to wait. At some point, they gave me some specific date that I would get the promotion, like  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX , but those never happened.
Product: Credit card

I received a letter that fraudulant activity occurred on my Capital One account that I put in my husband 's name ( as a XXXX card under my social security number ). Capital One is refusing to speak with me and close both of cards as they say I am not a account holder on the card ending in XXXX. However, this is not true. I got this extra card for him. The bill comes addressed to me with both my card and my XXXX card charges on it for payment. 

The fact that they are refusing to let me speak to someone that can help me and resolve this an unfair and deceptive business practice. A " XXXX '' with badge # XXXX refused to help me. He would not explain the fraudulent charges, not close the account. 

As I said already. I opened the extra card under my social security number as a XXXX card. Capital One sends me the bill and am expected to pay it, yet they are refusing to discuss the fraudulent activity with me nor close the account. Any fradulent activity with negatively effect my credit rating and credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent transunion a dispute in early XXXX for incorrect information on my report. They did not respond until XX/XX/2023. The letter said that due to isolated technical issues they were not able to deliver my results in the required time. I called them XXXX XXXX and was told they sent my results of my dispute in the second week of XXXX. However I never got that letter. I further informed them that the letter was dated XXXX so how could I get a letter for the results in XXXX. No answer was given. I was informed that I could redispute my issues however.
Product: Money transfer, virtual currency, or money service

Got a text asking about sending money to someone I didn't even know when I refused got call from bank I told them I didn't authorize this and don't send any money I even call the bank to tell them
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST TO whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Accounts that are being challenged : XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX  Account number # XXXX XXXX XXXX XXXX XXXX Account number # XXXX XXXX  XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS , PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 | DOCKET NO. CFPB-2022-0023 | RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit card or prepaid card

affected my credit. After now the company made several mistake trying to issue said reason for which it was closed. after many fail attempts for them the account is restores however my credit and credit score is destroyed this has cause some much trauma and stress to me a XXXX XXXX XXXX man.
Product: Checking or savings account

On around XX/XX/XXXX -XX/XX/2019. I discovered a former tenant stole my debit/credit card from my purse without me knowing until I went into the branch to take out money and was told over {$940.00} was gone having been spent at XXXX, XXXX, XXXX on gift cards to sell and buy drugs as he was a pain bill addict. While I was at the bank the fraudster was at a store charging at that moment. The teller cancelled the card and I went to the police and reported it asap. The thing is I have never used the card and charged on it. I just use the bank acct for my equity line of credit. I also have been at 5/3 for 20 years. I have a {$200000.00} line of credit. I have never filed a claim. When I called the fraud dept. it was a nightmare getting them to understand. I told them I thought I had the card but after looking for it realized it was gone. Just didn't know who had taken it until I requested the video from a store and the police officer did and we identified the fraudster. Then the police issued a warrant for grand larceny. I sent three police reports as the person charged in 3 different towns. It was very insulting for 5/3 to not credit me immediately and trust me. I appealed it and again they denied me my funds. This could have put me in a very difficult position if I had written checks against this account. My case # is XXXX. My account number at 5/3 is XXXX and the debit card was XXXX. I also asked why they did not have fraud monitoring for unusual spending on a card that HAD NEVER BEEN USED. And the police report was sent to them and the statement where they have issued a warrant. What more do they want. I am furious and would leave if I could. This person also took a XXXX card and spent {$200.00}. XXXX refunded me immediately. NO questions.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner. 

Please disregard the first complaint I sent you for my inquiries and DO NOT INCLUDE my XXXX XXXX  account. Thank you
Product: Credit reporting or other personal consumer reports

This account with XXXX is shown as a collection account, I paid the Original creditor before it was put into collection.
Product: Mortgage

I have diligently attempted to work with customer service and the Escrow Department since XXXX of 2023, in an attempt to remedy predatory lending practices that have burdened me with a high monthly mortgage payment. Due to customer service failing to rectify my loan discrepancies I have suffered a financial hardship and loss of great credit standing with XXXX, XXXX, and XXXX. Specifically, Carrington Mortgage is reporting my loan payment to all three credit bureaus inaccurately in the amount of XXXX XXXX XXXX XXXX XXXX Dollars ( {$2500.00} ) ; my actual monthly loan amount is XXXX XXXX, Twenty-Eight Dollars and Ten Cents ( {$1000.00} ) ; see Fixed Rate mortgage note attached. Additionally, customer service has failed to update my file to reflect my tax exemption status and remove my account out of an escrow status, whereas my property insurance is directly paid by me and is in a current status. Therefore, I am requesting the following remedies for my pain and suffering : ( 1 ). Carrington Mortgage contact all three credit bureaus and report my monthly payment accurately in the amount of ( {$1.00}, 028.10 ) ; and ( 2 ) Carrington Mortgage contact all three credit bureaus and remove all negative delinquencies and update my account as paid on time ;