23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called XXXX XXXX three days before my bill was due. Due to unfortunate circumstances, I am not gainfully employed sufficiently to make the payment. I requested a deferment of my loans while I work on resuming gainful employment. The agent on the other hand said that they would need time to research deferment of my loan. I told the agent that the payment date was due in a few days, and I needed to avoid defaulting or getting a late payment charge. The agent told me not to worry, and that after he had finished his research it would be easy to rectify any late payment. I waited out the three days without hearing a word back from the company. I called today to discuss the matter with them, and they continued to give me the same run around. They said that they hadn't completed their research, and that they would need five more days in order to get  back to me. The agent then tried to sell me on a different payment plan, that would have resulted in exorbitant additional fees to a former student already struggling to make payments. While I continue to get told that they are researching the matter and that they will get back to me in an ever increasing number of days, the account is not showing as a late payment, with tacked on late fees, and they are going to proceed to ruin my credit. I have always made my payments on time, or in excess of the amount necessary, unfortunately I am not in a financial position to do so at this moment. I feel their practices are predatory and are designed to financially punish students through deceptive practices, rather than assisting students to successfully repay their loans, and it is through their deception that payments go into default or show up as late on credit reports. Researching a deferment shouldn't take 8 days. They have obviously studied the laws and worked diligently to try and work loopholes in the system that work against the citizens in favor of their own corporate greed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, 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
Product: Vehicle loan or lease

I reached out the Flagship credit acceptance regarding inconsistency in statements compared to the portal and payment amounts paid through a customer service rep. Every time I call regarding what is my TRUE amount I need to pay, every representative give me inconsistencies in my why I am charged certain fees. I have been late in the past and made extra payments to make sure my account is current but everything I make a payment- sometimes more than the amount due, my new statements show I what " unpaid '' late fees. When I call regarding these fees, I'm being told that payments I'm making, some of them are going towards the principal and some are going towards interest. However, my payment amount is on average {$580.00} a month. I was told you get a 11 day grace period anything after is a {$25.00} dollar late fee applied for that month. I would pay extra, for instances in the month of XX/XX/XXXX, I made 3 payments averaging XXXX dollars to cover " unpaid '' lates fees. Then on the portal my account would be " current. '' The next statement rollout for the next month, it would say " unpaid late fees '' with the same amount. When I call to question this, I have a hard time getting a manager on the phone or a call back to explain after all the extra payments, why is my account still considered " late '' and the same amount of unpaid late fees is shown on my statement. When I was able to speak to a manager on XX/XX/XXXX, on a recorded line I was told my payments wasn't actually going towards what is shown on my statements. Because a lot of my payments are going toward interest, Flagship itself isn't getting paid and so the amount I'm actually paying including late fees is not a true balance because the money is not being applied to late fees. I was told I was going to receive a call back from her manager, however she never collected updated contact information to follow up.
Product: Payday loan, title loan, or personal loan

I am trying to refinance my first Mortgage to reduce my interest rate only, no cash out. My new lender ( XXXX XXXX  XXXX ) sent USBank a letter of Subordination as we have a HELOC with USBank including personal checking, savings. The Heloc was opened end of XX/XX/2019. And it has a current credit limit of XXXX. The balance is about XXXX. USBank is refusing to do the subordination for my refinancing unless I agree to pay down the Heloc with a new limit of {$47000.00}. My home has not changed, the amount of my mortgage and Heloc has not changed. The reason they state is that the new home appraisal for the loan is less than at the time if the Heloc. Of course the entire market is depressed. I dont know why they can not just allow the subordination as is with the current Heloc. I have been trying to pay down the Heloc and this reduced refinancing rate would allow me to pay off USBank faster. This matter is the only thing hanging up my refinance. My lender and I have tried multiple times to discuss this case with the mortgage department without them budging. This is not costing USBank anything to submit this subordination as originally sent. This is usually a curtesy thing with refinancing a first mortgage. I am a long standing customers of US bank. In the past I have had and payed off other Lines of credits and loans. I have a good credit rating with no defaults on loans and no bankruptcy. I do not know why USBank is making this an issue. USBank knows I dont have {$40000.00} in the bank to pay them. If it wasnt for the pandemic, my home would have been the same or increased in value. My husband and I are working and I am a first line responder. The people we have talked to at US Bank are : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Product: Credit card

XXXX XXXX I was I was taking a trip from XXXX, Tx to XXXX XXXX in the XXXX XXXX XXXX from my location it was a 26hr flight I was very restless and didnt have any phone services throughout that timeframe. During my travel I had a XXXX wallet with my credit card inside of it that I lost at the airport someone found it and accumulated charges in the amount of {$8600.00} Once I got phone service I immediately contacted the bank to notify them what had taken place and I also reached out to the airport to report the lost. Navy federal denied the claim without providing reasoning they stated that I didnt provide them enough evidence I sent the flight confirmation, police report, the report from the airlines for lost luggage, Im not sure what more evidence I can provide to support the claim I did not authorize the transactions nor was I in the United States at the time of incident also my card was not in my possession I have acted in good faith, providing accurate information and cooperating fully throughout the claims process. Navy federal have still denied claim after I gave them all the proof that was requested
Product: Money transfer, virtual currency, or money service

Coinbase tech support contacted me, same day, as the complaint I recorded on Coinbase tech support page. The original issue was problems logging in. Tech support said they needed access to my computer. When they did they did suddenly the first week of XX/XX/2021 ; my Coinbase account was drained of over {$3000.00} invested in XXXX. I registered a complaint ( ref : XXXX ) When I returned the call of the tech, named " XXXX '' ( phone # : XXXX ). He said that this was standard procedure and the money would return after the lockout was solved. [ I suspect Coinbase or associates just outright STOLE MY MONEY ] Now weeks later the response to my login is " the account is suspended and I should contact " tech support ''. This is a vicious cycle! 
Coinbase.com has only responded to my complaint with bot responses. NO ACTION!
Product: Credit reporting

I have credit monitoring and noticed a " collection '' noted with TransUnion. The information is as follows : XXXX account reported on XX/XX/XXXXXXXX account reported on XX/XX/XXXX ClosedAccount # 1 $ XXXXBalanceXXXX XXXX2 XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXXOpened DateXX/XX/XXXXLast ReportedIndividualResponsibilityPaid collectionThis information is completely inaccurate. I 'm not sure what it even represents and would like it removed from my TransUnion credit report
Product: Credit card

I had an US Airways card with Barclays and have not carried a balance in years. I missed the statement that had my annual fee and they subsequently charged me XXXX late fees and interest on an annual fee and compounded interest on the late fee, this violates Reg Z and CARD Act. They reported me 120 days late and have caused severe damage to my credit report. Again, no purchase was made it was all money compounded on a {$75.00} annual fee that came out to {$250.00}. I have paid this because at the time I did not understand my rights, I want a refund and all late notices removed from my credit.
Product: Debt collection

Midland credit a.k.a. portfolio services created fake payment agreement for a debt they purchased provided false payments and information in order to extend statue limitations, and refresh payment dates. same collection aka duplicate records. Why does The reporting agency allow this false information ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney 's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney 's fees reasonable in relation to the work expended and costs
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the accounts are accurate, with out 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, Equifax '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. 2025-CFPB-0002 ) against them for similar violations. I request the CFPB take action to ensure Equifax comp [ lies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that are marked inaccurate : XX/XX/XXXX XX/XX/XXXX- ACCT # XXXX XXXX XXXX XXXX - ACCT # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ny XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account XXXX :XX/XX/XXXXXXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Product: Checking or savings account

XXXX. Suspected fraud on or about XX/XX/XXXX. Began reaching out to the companies who made the charges on my accounts. I was told they either didnt know, could not provide the information, or call banking institution. 
XXXX. Kept close eye on account. 
XXXX. Reason for suspicion was I accepted a position on good faith and this firm had my personal and banking information for direct deposit. Only worked here 16 days. On XX/XX/XXXX a partner of the firm was indicted on XXXX, impersonating a public official etc. 
XXXX. Contacted bank several times to review charges. Due to a security breach I was having difficulty accessing my account. I had to change phone numbers and could not receive authorization code. Advised bank of new number and the reason. Was told that someone would contact me. No call. 
XXXX. Reported issues to local law enforcement. 
XXXX. XX/XX/XXXX - card not authorized. Contacted bank and was asked a series of questions because I no longer had the number associated with the account. Asked could I retrieve money and advised account was on hold due to fraudulent activity of which i previously reported. Told that a fraud team would investigate and contact me in 2 or 3 days. Never received a call so I contacted the bank and account was open again. This repeated every other day until about XXXX. On this date I was told that my account was back open again so I asked had my number been changed on the account and it was not. Had talked to fraud team the day before. I always had to call. I never received anything in writing. I requested electronic bank statements and did not receive. Finally told that one might reach me in XXXX weeks. I am still reviewing charges. Due to the fraud I have had to provide my drivers license everywhere. I eventually got an account opened with XXXX XXXX because I have a credit card and XXXX auto loans. It still took days to get it opened. I have late billshaving to XXXX to family and friends that have cards. I still do not have a card. No answers to my questions or I need a subpoena. I really need some help. I have expended an enormous amount of time. I do possess some documents to support my complaint. I only have the last XXXX digits of the XXXX and card ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted disputes to all XXXX credit reporting agencies, in which a debt I did not recognize came back on my report. I sent a letter for debt substantiation directly to the debt collector listed with no response about said debt. In which the request for this information must be provided or the alleged debt shall be deleted.
Product: Debt collection

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

VW CREDIT XXXXXXXX {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB is not providing any document bearing my signature, where Capital One proves with documents, that there was any individual responsibility from me ( which was never signed at all ). I do not agree CFPB closing the complaint without investigating properly, and asking for legal evidence for complaint XXXX-XXXX
Product: Debt collection

I don't recall having a contractual relationship with TRANSWORLD SYSTEMS INC Account Number XXXX.
Product: Credit card or prepaid card

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX XXXX XXXX ) I am Attaching identity and proof of address. Also, there are several inaccuracies reporting on this account
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Dear Equifax, I am writing to dispute inaccurate information on my credit report that violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( b ). Specifically, there are multiple child support accounts listed on my report, which should not be classified as credit transactions but as judgments. This is supported by case law, including Maria E. Pintos v. Pacific Creditors Association and Kevin D. Miller v. Trans Union LLC.

According to FCRA laws 15 USC 1681 ( a ) ( 2 ), credit bureaus must maintain accurate and reliable records. Therefore, I request the immediate deletion of these child support accounts from my credit file. As per the case Kenneth McCready vs. Linebarger Goggan Blair & Sampson , LLP, judgments are not considered credit transactions, making their inclusion on my report illegal and adversely affecting my credit score. 

I request the following : Documentation used to verify the disputed accounts. 
The name, business address, and contact information of the person who verified these accounts. 
Specific details on the verification process used. 
Blacks Law Dictionary defines verify as confirming or establishing the truth. This requires your company to produce documentation proving the account ( s ) in dispute belong to me and ensure the reported information is accurate. This should be verifiable in a court of law if necessary, with someone who has firsthand knowledge authenticating the documents under oath and penalty of perjury.

I trust that Equifax, as a Consumer Reporting Agency, understands its responsibility to ensure report accuracy beyond merely repeating information from other sources. Per federal case law and the National Consumer Assistance Plan, credit reporting should be accurate and facilitate error correction. 

Please address this matter promptly and remove the inaccurate information. I look forward to your confirmation within 30 days. Delete DEPT OF JUSTICE Child Support Account : : # XXXX Account # XXXX Account # XXXX Thank you for your attention to this important matter.
Product: Student loan

I have made my XXXX payments towards public service forgiveness. I have had XXXX payments approved as of XXXX. I made my XXXX payment as soon as I could and submitted the paper work on the Department of Education 's website. DOE reviewed it and did not give me credit for XXXX, XXXX or XXXX. I have called several times asking for information as to why. I also submitted an online complaint and request for reconsideration but was denied. They can not tell me why those months are not being counted but are insisting I submit the exact same paperwork again and maybe it will get fixed. I have asked to speak to a supervisor but have been refused every time. I was told I would get a call back but never did. I have a job offer that I am waiting for my loans to be forgiven to accept. Any undue delay will cause me to lose out on this once in a lifetime opportunity and I will be reaching out to an attorney to seek damages if it comes to it.
Product: Debt collection

No. 

XXXX. 

I never agreed to any such terms and conditions. 

The matter is reported to the authorities. 

Redress for damages XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX # XXXX ). 

Redress for damages XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). 

Redress for damages XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). 

United States Department of Education, et al, get these illiterate, ignorant, incompetent, perjurous, panhandling frauds out of my inboxes, and issue me my earned XXXXXXXX XXXX XXXX XXXXXXXX degree and diploma. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX All Rights Reserved XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as XXXX and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Product: Debt collection

I am filing this report of identity theft here are the dates and what was loss. creditors and account number etc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I discovered this theft recently and I will upload all my documents via the credit bureaus wesbites I didn't apply for XXXX XXXX XXXX under the XXXX XXXX XXXX and XXXX these items must be removed from my credit report