23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan with XXXX XXXX as I've done before. This time it was taking significantly longer to get a response ( going on XXXX days as of now, usually takes hours ) ; in the meantime they've sent quite a few emails and messages about applying for a loan, so i called customer service to find out they wanted to verify an old account. I no longer have it. I requested to update the details and the agent instead insisted on using the old account. Even ignored me when i repeated clearly that i no longer have that account and there's no way to verify something that no longer exists. Instead of informing me how to update the information, they proceeded to not give me any option asked if there was anything else I needed and immediately sent a denial email less than XXXX XXXX later obviously based on not being able to verify an old account for income that they were informed is no longer the right account. Which also means my last XXXX applications were denied in part for the exact same reason without being informed. Had i not called, I wouldn't have known. And each attempt counts against me and they're not explaining why the denials are happening in the correspondences. Due to their incompetence I demanded that they close my online account immediately in which ironically they're taking their time to respond too. Something should definitely be done about this company and if i wasn't initially desperate I wouldn't have dealt with them in the first place. I'd strongly suggest all stay away from them and report them if they reach out to you unsolicited, especially if you applied through a loan finder service and that's how they found you.
Product: Mortgage

I got my home in XXXX with a 30 year mortgage from PHH. I never missed a payment. Then my XXXX year old had a XXXX XXXX outside of the country and no insurance to cover. I had to use every penny I had for XXXX and XXXX. I fell bacj on one payment and called PHH to ask what can I do? They told me to do a loan modification. I was happy then but come to find out they added 22 years on the life of he loan. Thus instead of maturing in XXXX its XXXX. 
Then in XX/XX/XXXX I received a letter stating that my mortgage has been transfered over to XXXX without my consent.
Product: Debt collection

Im a 20 year XXXX  veteran. All my medical is covered because of my service to my country. I only have to pay a co pay. I have sent a letter to this company when they first opened the collection. I have not received a response from them to take said debt off my credit report.
Product: Credit reporting or other personal consumer reports

I disputed this item back in XX/XX/year> that i did not miss a payment. I recieved a response back. They changed the dates that they said i was late. I was never late on those dates. I disputed again. They changed the dates again. This is fraud and abuse to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are illegally publishing an unverified Bankruptcy on my credit file.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Hello I got capital one a few years ago with a great interest rate! Fast forward XXXX hard a few hard ships. I contacted capital XXXX many times trying to figure out why XXXX paying XXXX $ payments and my card is still maxed out NOT USING the card still maxed out after a year of payments Ive called and asked to send the debt to collections so I can pay what I owe now I owe more then I can even get ahold of and its rising please help me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have closed my XXXX XXXX Checking account because of fraudulent activity that was not authorized by myself, XXXX XXXX, and I am wanting to move any hard inquiries from my credit history report. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.eeC 1681 Sectiqn 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ive never lived at these addresses, someones been using my identity XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All my credit reports from all XXXX Bureaus, but not limited to XXXX, EQUIFAX, and XXXX, where compromised due to DATA Breach. 

I have so many things on theses reports that are incorrect, and are not mine and or have no Knowledge of.

Due to these data breaches I am requesting all negative information hurting my character and my mental wellbeing, be removed until everything can be VERIFIED with accuracy According to the Laws of the FTC and CFBP, investigated with fairness and without prejudice.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Ive reported XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute a debt claim made by Rozlin Financial Group LLC. They are attempting to collect a debt of {$4100.00}, which I do not recognize or believe to be valid. Rozlin Financial Group LLC is a third-party agency, and I have no prior knowledge of owing this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that Rozlin Financial Group LLC provide all documents and information that validate this debt, including : - A detailed account of how this debt originated. 
- Evidence of any agreement or contract that I entered into, which resulted in this debt. 
- Any statements, invoices, or payment records associated with this claim. 
- Documentation showing that Rozlin Financial Group LLC has the legal right to collect this debt. 

Without sufficient evidence and validation, I will continue to assert that this debt is false and should be removed from my records. Additionally, I request that all collection activity cease until this matter is resolved. 

Please ensure Rozlin Financial Group LLC is held accountable for providing the requested information and adhering to all applicable federal regulations. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to dispute the accounts on my credit report that I believe are inaccurate, incomplete, or unverifiable. I demand that these accounts be removed immediately. Upon reviewing my credit report, I noticed that the bureau reported the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$2700.00}. I want to remind you that under the Fair Credit Reporting Act ( FCRA ), you must provide enough information to verify these debts. However, I noticed that you did not provide enough information to do so. Therefore, I demand that you remove these accounts from my credit report. I already submitted a dispute to XXXX regarding this issue, and they have already removed these accounts from their records. They found that the information provided by the creditor was not enough to verify these debts.
Product: Credit card or prepaid card

I received a vanilla gift card from an employer for {$200.00} XXXX gift on XXXX XX/XX/2021. I went to the website to activate the card and it said there was {$200.00} balance! The next day I tried to use the card at XXXX XXXX and it was declined. I went back to the website and the card was invalid! I then called customer service and she said XXXX was charged by an online merchant! Looking at the XXXX  there are hundreds of complaints of fraud from this company. There is no way without insider connection that anyone would know how much money and when the card is activated! I received an email to fill out a form to disagree with purchase but I am hesitant to give any of my personal information to a company without any security!
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill his obligation under the fair credit reporting act to conduct a reasonable re-investigation of dispute information on my credit report, leaving an accurate or on variable accounts unresolved the consumer, financial protection bureau has recently filed a lawsuit against XXXX, alleging, systematic issues such as filling to, for consumer provided evidence to to furnish is excepting unreliable responses and fully to adequately, notify consumers of dispute outcomes. These failures align with my experience where XXXX has neither corrected or removed disputed items despite the evidence, and provided causing ongoing harm to my credit standing I requested immediate correction actions to remove or amend dispute accounts experience inaction, violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

Information has been reported and place incorrectly on my credit report.
Product: Vehicle loan or lease

I was going through a divorce and needed a vehicle, no credit, not great credit. Went to a buy here pay here lot, was only in business a total of like 6 mos-year. Approved me for a car but then said they couldn't do it, transfered the car and myself to a complete different lot in a different city, said I was approved, Lobel financial. Had me driving the car for nearly 3-4 months before I got the actual contract and everything signed. I had to have a vehicle so my hands were tied.lobel financial was extremely shady, no truth to payments. I let the car get repossessed. I have disputed it for years on my credit and the Burroughs will not truly investigate. The loan amount gets higher and higher on the credit report. It's just a scam that I can't do anything about. We get stuck in a credit rutt from shady loan companies that take advantage of low credit credit scores, and it's impossible to get out of it. I have wanted to take bankruptcy for years but always try to fix my credit and just end up making it worse. The Burroughs are worse than the preditory lenders because they know most of us don't know how to fight back, or where to turn for help. There's more to the whole thing however I just found this sight and decided to see what could be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/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 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

I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT addresses that should be deleted are XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit card or prepaid card

I have a Care Credit account with Synchrony Bank. I did not receive a statement the month before a big promotional purchase was due. I'm very diligent about paying my bills so I did pay it off but I think it is NOT a coincidence that they didn't email me a statement this month. I am bringing it to the attention of a government agency for sake of people who rely on email notifications to pay their bills.
Product: Student loan

I have been paying an extra {$60.00} dollars each month on my student loans, set up on Auto Pay for at least the past year in an effort to pay down my high interest rate private student loan. I just discovered that they stopped takign the additional overpayment effective this month. I went online to see why my extra payment was no longer coming out of my account, and found the following info from the Navient website. Apparently they don't want anyone to be able to easily pay down their loans faster than scheduled : How do I enroll in Auto Pay, or increase my Auto Pay amount? 
Select Auto Pay in the navigation menu to enroll. 

Your recurring Auto Pay amount can't exceed your monthly payment due at this time, but you can pay more on a one-time basis by selecting Make a Payment in the navigation menu and specifying an additional amount for any loan enrolled in Auto Pay. 

This is gargabe. I need to be able to easily allocate additional payments. Having to remember to login each month just to make an added payment is cumbersome, and this change is new. What gives Navient? Give us a chance here!
Product: Student loan

On XX/XX/, I visited the Nelnet loan servicing website ( Nelnet.com ). I have a number of student loans serviced by Nelnet, but not all the loans carry the same interest rate. My question is a relatively simple one. If I want to make an extra payment, I would like that payment to be exclusively applied to the highest interest loan, so, " how do I direct a payment to a single loan, rather than having it spread across all loans? '' To answer this question, I went to Nelnet 's " Contact Us '' page. On the page, there is an option for " LIVE chat, '' however, upon clicking the live chat, the chat is directed to a bot, not a living person. The bot has been given the name XXXX, in an attempt to obfuscate the fact that it is not " live, '' or human. Further, the bot is incapable of answering the question that is the intent of contacting the so-called, " live chat. '' When the bot is then asked how to speak to a human, it directs back to the " Contact Us '' page, which in turn then directs back to the " live '' chat in a circular manner, never yielding an answer to what is a simple question.
Product: Credit card or prepaid card

I have CITI credit card. The statement due on XXXX XXXX had a balance due of {$54.00}. 23 days prior to the due date I returned an item and received a credit for {$35.00}. 
that would leave a balance due of {$18.00}, which I paid in full on XXXX XXXX. 
The problem is the the computer showed a " MINIMUM PAYMENT DUE '' of {$25.00}. That is more than I owed. 
So, they started with the pre-recorded messages about this " UNDER PAYMENT '' problem. 
I responded and spoke to several support level people. One of whom was the Arizona call center manager. When I asked why I was being asked to pay more than I owed?, the response was robotically repeated, over and over ... ... '' You didn't pay the minimum payment due. " ... ..for each person I spoke with ... .the SAME!!! 
Now they are sending the opening message again and again ... .again. 
I would like to settle this, if I could only speak with someone who could at least entertain the possibility that the {$25.00} figure could even possibly, maybe be WRONG. 
CITI is still asking for the {$6.00} to meet the " MINIMUM '' and they are tacking on more FEES. 
HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have attached ID Theft Report XXXX with this complaint. Please review.
Product: Credit reporting or other personal consumer reports

**Inaccuracy of information. The account information reported is incorrect. 
Account Name : XXXXXXXX XXXX Account Number : XXXX Hight Balance : Equifax shows {$2500.00}, while XXXX and XXXX show {$3100.00} XXXX Date of Last Activity : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ). Date Reported : Equifax shows XX/XX/XXXX whole XXXX and XXXX show XX/XX/XXXX. Closed date : Only reported for XXXX. Last Payment : Equifax shows XX/XX/XXXX XXXX  XXXX and XXXX show XX/XX/XXXX and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item needs to be removed. the original company XXXX is in violation of several renters right and are unlawfully having Resolve Partners report on there behalf. This is an Arizona State violation ( A.R.S. 13-1321 ). Not to mention Resolve Partners doesn't even have an Arizona license to be doing business or reporting in the State of Arizona.