23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Its not about my servicer. I was scammed by western benefits group for years thinking my payments were being applied to my loan balance. I also attended a school that was shut down for deceptive business practices ( XXXX XXXX XXXX ). I dropped out when I learned of fellow students unable to obtain careers in their field like promised after graduating with a degree. I only owed a little over {$10000.00} at the time and my loans have since grew to over {$20000.00}. I tried to have them wiped for years with no luck and I have been working as a public service member for the last 4 years at USPS. I missed the deadline for that loan forgiveness but with my school being shut down I feel like my loans should have been wiped since they lied to obtain funds. Now I owe that and I lost thousands to western benefits group and I just need to know how to fix all this please!! I do not have the same bank account that XXXX was drawing from but im with the same back and would have to ask for the history of payments to them in order to submit it over.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to Bureaus lack of response which I classify as frivolous, XXXX, XXXX, and TransUnion have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following accounts, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the accounts listed below : XXXX XXXX XXXXO XXXX XXXX Balance {$7700.00} ; XXXXXXXX XXXX XXXX Balance {$8200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern while checking my most recent Credit Report I notice inquiries that I did not authorize mad by the following companies. 

prestige fin XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX I did not authorize ant employee by these companies to make any inquiries and view my credit. Please validate this information with these companies and provide me with the documentation bearing my signature authorizing these inquiries. 

Finally request that these item be deleted from my credit report if these sign documentation can not be provided
Product: Credit card or prepaid card

I did not authorize XXXX. I authorized XXXX They made a mistake. The Wells Fargo representative lied to me and said that the online transaction was declined and did not go through. If a Wells Fargo balance transfer experts tells me that a transaction was DECLINED, as they clearly say, then this is their fault. If she hadn't lied to me, I wouldn't have done another transaction. 

They can not just send money to companies and hold me accountable for it. It is not my responsibility to get my money back for Wells Fargo. If they sent money to a company that I did not authorize, they are welcome to contact that company and get their money back. 

This is crazy ; what is to stop Wells Fargo from doing this repeatedly by having their customer service team lie to their customers, so they get double the amount of balance transfers completed?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX.                        I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Landing Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-CLOSED ACCOUNTS-1. XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.2. XXXX XXXX XXXX with ACCT #XXXX   opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.3. XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.4. XXXX XXXX XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.5. XXXX CARD with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.6. XXXX CARD with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.7. XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.	8. XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.9. XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.-COLLECTIONS-10. XXXX XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.11. XXXX XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, discovered several violations of the Fair Credit Reporting Act ( FCRA ) related to my credit report and dealings with certain debt collectors. These violations include the failure of credit reporting agencies and debt collectors to verify the accuracy of the information theyve reported about me, the improper handling of my personal data, and the wrongful reporting of debts that I dont believe are valid. 

First, I noticed that my credit report contains inaccurate or unverifiable debts, and the credit agencies did not properly verify this information as required by FCRA Section 616. This section holds them liable for civil penalties of up to {$1000.00} per violation if they willfully fail to comply with the law. Additionally, they failed to disclose my right to opt out of sharing my personal information with third parties, which is required under FCRA Section 603 ( d ) ( 2 ) ( A ). 

I also found that the debt collectors reported false information about my accounts, including inaccurate late payments and finance charges. According to FCRA Section 623 ( a ) ( 3 ), they are supposed to furnish accurate information and provide proper validation of these debts, but they didnt do so. These mistakes have caused me unnecessary distress, and in some cases, harassment from creditors who were misled by inaccurate information on my credit report. 

Moreover, these companies violated the Debt Collection Practices Act and other consumer protection laws by contacting third parties and disclosing my personal information, which is not allowed without my consent. Some of these actions also involved unauthorized inquiries on my credit report, which is a violation of the permissible purposes outlined in FCRA Section 1681b ( a ) ( 2 ).

In my letter, I demanded that these debt collectors validate the debts theyre reporting, as required under 15 U.S. Code 1692g, which ensures that I receive proof of the alleged debts before they remain on my report. Specifically, I asked for original contracts, signatures, or any other documentation that proves I owe these debts. If they can not provide that documentation, I am requesting that the items be removed from my credit report. 

If these violations are not corrected, I have made it clear that I will take legal action to enforce my rights under the FCRA, which could include pursuing civil damages for their noncompliance. I expect them to act swiftly to resolve these issues and remove any unauthorized or inaccurate accounts from my credit report. 

In short, Ive authorized this dispute because my rights under the Fair Credit Reporting Act have been violated, and I want these inaccuracies fixed as soon as possible. If they do not take action, I will be forced to pursue further legal remedies.
Product: Credit reporting or other personal consumer reports

i want to thank everyone for helping remove all of the fraudulent accounts from my report but these accounts came back to my report without any notice or letter or email or a call even thought o contacted them asking for contracts and signatures so i might get to the person that stole my information so in can sue them but instead they violate my rights and broke the law and attack my credit like it doesn't concern me and this is illegal they abused my credit and as of 15 U.S Code 1692g validation of debts and they violated my rights and this is Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose and this is the accounts and the tracking numbers. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) - ( 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: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX XXXX Account name : 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 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, credit repair services, or other personal consumer reports

Would like my Equifax and XXXX reports update to show only 1 hard injurie not 9 old hard inquires same compsny over as does my XXXX XXXX  report on XXXX 2017 showing only 1.and updating my length of new credit all positive length of time over 5 months.thank you for your time.XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  Florida XXXX XXXXXXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/24 I went to XXXX  to inquire about a puppy. I submitted an inquiry request through the website. The next day, XX/XX/24, I received a reply via text and email. The phone number I was contacted from was XXXX. The email address I was contacted from was XXXX. XXXX XXXX is the man who contacted me. He said he was out of XXXX, New Mexico. We agreed on a price, and I sent him the money via Cash App. His Cash App name is XXXX XXXX. His Cash App ID is $ XXXX. I did not send him money to ship the puppy to my house. I was going to go pick up the puppy and leave on XX/XX/24. On XX/XX/24 I contacted XXXX XXXX about when I was planning on leaving and other information about the puppy. A few hours later I received a text and email saying that I needed to send him money to ship the puppy because he had a family emergency in XXXX. That's when I knew he was a fraud. I requested a refund and did not pay him the shipping. I reported to Cash App that this was a fraud and requested a refund. I have not received a refund from either party. Nor do I expect to see one.
Product: Student loan

I submitted an online application for a student loan consolidation with XXXX XXXX XXXX on XX/XX/XXXX. Funds were dispersed XX/XX/XXXX to pay off various private student loans. The total amount was {$69000.00}. PRIOR to disbursement of the funds, I was not provided a promissory note, nor was I made aware of the terms of the note, including the interest rate, the manner in which payments would be applied and/or any default terms. In XX/XX/XXXX, Discover Student Loans purchased my loan. 

Around 4-5 years ago, I was curious about how much I had paid on this note and what I had left to pay. I was shocked to discover that of over $ 50K in payments, less than {$2000.00} went towards principal. I started to look into information like where they got the interest rate from, terms of re-payment, etc. I asked repeatedly for a signed promissory note that detailed these items out. They repeatedly told me that they got the interest rate from the promissory note. 

They sent me the application I submitted through XXXX and a generic promissory note that did not have my loan number on it, my name on it, and was dated a full two months prior to me having applied for the loan in the first place. Over the past 12 years, I have paid {$68000.00} towards this note. I was continually threatened with them " charging off '' the loan, even though they lacked the terms and conditions in a promissory note that would result in a charge off! The continually threatened to default me, even though all I ever asked for was proof that they had the authority to charge the interest rate they were charging and evidence of any type of authority to apply payments as they have. 

I have been exceedingly patient with these people. I have asked repeatedly for documentation regarding the proof or evidence that allows for what they are charging me and I am convinced that they do not have it, and that they are aware that they do not have it. 

I was informed today that my loan " charged off '', whatever that means. I believe that any negative reporting to the credit bureaus without indicating that this debt is disputed is a violation of the Fair Credit Reporting Act. I believe that XXXX and Discover both charging the interest that they have and applying payments without the proper authority in a signed promissory note violated the fair debt collection practices act. I sent Discover a demand for settlement XX/XX/XXXX. That settlement demand was denied, but they never gave me the courtesy of a reply to inform me of that. I learned that today while calling to check the status of things. The again informed me today that the interest rate was set by the promissory note.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX 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 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: Debt collection

The alleged creditor claimed I owed a amount this is does not support any evidence of this claim amount. This alleged debt is pass the statutory limit, and does not have factual information. This company sold my information to a another entity in which is is a non government or state regulators business. The entity charged the loan of fault ( FL USURY 18 % ) This entity is claiming a debt that is not owed by me and any debt related to social security XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX
Product: Bank account or service

On XXXX I went into Bank Of America located on XXXX in XXXX Texas to open a savings account. While pulling up the computer screen then associate told me that I had an invite to open up another credit card account with Bank Of America. After completing the paper work for my savings account she filled out an application for me for another credit card. I was denied! I found it very strange because Bank of America had been sending this invite to me very frequently since last year. After returning home I decided to call the bank and ask them to review application and asked them why I was declined! The representative told me to wait until my decline letter came in the mail. At that point, I asked to speak to a supervisor. The supervisor told me that I was denied because I had XXXX account that were sold in XX/XX/XXXX. I told him that I only had XXXX account with Bank Of America in XX/XX/XXXX that my lawyer took care of when I filed bankruptcy. I told them that was not fair because I cleared up my credit and it is in good standing. He said how do you know, I told him that I check my credit report frequently. So after going back and forth he decided to connect with their review department. I spoke with someone in their review department and told them that I only had XXXX account with Bank Of America in XX/XX/XXXX which was taken care of by my attorney when I filed bankruptcy. Also. I asked her for the copies. She said that she did n't have the application or the reports on the accounts because they were sold off. She also told me since they were sold off that that was not a reason for them to deny me credit. With this being said, I believe Bank Of America denied me credit based on false incorrect information. This is against the law according to the Fair Credit Act, The Consumer Act, and Unfair Business Practices!
Product: Mortgage

I spoke with a representative from Shellpoint Mortgage regarding reinstating my loan. She advised me that I would have to pay XXXX XXXX XXXX XXXX XXXX dollars and seventy-five cents ( {$5400.00} ). At that time, I did not have the additional funds I only had XXXX XXXX XXXX dollars ( {$5000.00} ), but I advised her that I would have the rest of the money later. She advised me that if it rolled over to the next month, I would have to pay XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( {$6900.00} ). I advised her that I could do that. I called back in yesterday and attempted to make the payment, and they advised me that I would have to pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$8900.00} ). I told them that this was not what I was quoted and asked for a manager. I then opened the account online and discovered that they were charging me additional attorney fees outside of what they had already paid the attorney. I asked for a fee schedule to show how the money was being applied to the attorney. They told me that I would have to request this online and it can take up to fourteen days ( XXXX ). I believe that the only amount that I owe is the seven payments XXXX payments at {$900.00}, XXXX payments at {$910.00}, and an attorney fee of {$1500.00} which is a total of {$7800.00}. I have only been in foreclosure status for XXXX until now, and the records I downloaded online show the legal fees that were sent over to the attorney in XXXX were {$620.00}, and the attorney fees for XXXX were {$870.00}. Shellpoint Mortgage is attempting to advise, that within six days the attorney has billed me an additional {$1200.00}. there's no way this can have happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked credit report as I was alerted to a new creditor who has reported to the credit report bureaus : XXXX, XXXX, & XXXX. 
Debt Validation letter mailed to XXXX XXXX XXXXXXXX XX/XX/2XXXX XXXX XXXX  mailed letter to me XXXX XX/XX/XXXX XXXX XXXX failed to comply and verify proof of debt and ownership
Product: Debt collection

On XX/XX/2020 I totaled my car I had Lobel financial insurance on my vehicle at the time, I was laid off and have not received unemployment like many thousands of Americans at the time. I totaled my car due to a DUI I called lobel after the accident and the brainless representative told me that their insurance does not cover DUIs and left me with the total debt of the car I was paying insurance over {$200.00} extra on top of my car note and they refuse to cover any part of the total loss. would not work with me at all they told me not to worry about the monthly payments and they will figure this out. One week later they closed my account and sent it to collections I was unemployed and had no unemployment coming in due to the overwhelming numbers of Americans trying to get unemployment in the beginning of the beginning of last year. I now have a collections of {$15000.00} I was served a couple of days ago and they are suing me for the amount, I've called lobel financial and talked to so many representatives and they've all just told me I'm out of luck and I have to pay off the whole thing they did not help me at all I paid over {$200.00} in insurance and they didn't cover not one part I am scammed Lobel financial has already been sued for the same exact thing and I am now another victim if their scam insurance I have court in less than 20 days they are suing me. I want a lawyer I want someone to help me counter suit this corrupt company they damaged my credit, they took my money for a service that they never provided they scammed me. I will do everything and use the lawsuit filed against them recently seems they haven't learned their lesson on the lawsuit they recently got against them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Nelnet Acct 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: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX # XXXX  - Balance {$100.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX