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

I don't even remember accepting a loan with this company XXXX XXXX XXXX and I received a call saying they were coming after me for fraud. I asked them to send me a contract or some type of information and the lady told me no. She is a mediator and the call was to see how we can get the debt resolved. I told her the debt was not mine, she insisted that is was and would not send proof. I eventually hung up on her. She did state that the debt was from XX/XX/XXXX and I have not received any information regarding this prior to now. I have been at the same address since XX/XX/XXXX. The called me and threatened me through an automated system and told me that that served as notice and that if I did not contact them today, they were going to sue me and the call hung up. So, I returned the call, they verified my information and told me what I mention above. I don't know these people but they sure know me.
Product: Student loan

I have been trying to get an accurate count of months in repayment from my loan servicer, Aidvantage. I consolidated in XXXX ( only in order to qualify for the XXXX and XXXX income-based loan programs from the Federal Govenment ). In XX/XX/XXXX, I asked Aidvantage to get information from XXXX so that it could see the origination of my underlying, initial loans which originated in XXXX -- so that they could make an accurate count of the months I've been in repayment towards the eventual XXXX or 25 years of repayment loan forgiveness. On XX/XX/XXXX, Aidvantage sent me a letter, saying that as per my request, here 's the correct information -- and it only goes back to XXXX, with 8 months of repayment noted. On XX/XX/XXXX I called Aidvantage, and they told me that they had no information about my underlying loans ( prior to consolidation ), and that only my previous servicer, XXXX, had that information. Aidvantage also told me that a true accounting of my months in repayment could have only been updated with a XXXX XXXX request, but the XXXX XXXX request could only be requested up until the summer of XXXX. Note : I have not been in public service, I am not seeking XXXX XXXX XXXX XXXX. After this call with Aidvantage on XX/XX/XXXX, I called XXXX -- and XXXX told me that they had already sent all of my underlying loan information ( before the XXXX consolidation ) over to Aidvantage -- so Aidvantage definitely has it. XXXX said they could not re-send it to Aidvantage, but could send my underlying loan records by mail to me by late XX/XX/XXXX. I asked XXXX to do this. I believe I am not getting accurate information from Aidvanatge about my student loans -- both in what information about my loans that they have, and in what months of repayment accounting my loans are overall qualified for.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXX/XX/XXXX
Product: Mortgage

XXXX XXXX XXXX ( XXXX ) unilaterally up-adjusted the monthly payment on my fixed-rate loan. Then it rejected my auto-payment because it was in the incorrect amount. Then it charged my extensive fees for being late on my payment. 

I don't believe it had the contractual authority to up-adjust the monthly payment on a fixed-rate note. Nor do I believe the late fees are justified. 

I was unable to access my account online or reach anyone telephonically. I therefore believe this is all just a loan-servicing scam to route people to incurring additional fees and charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I decided to dispute numerous Items with the credit bureaus since I found multiple errors on my credit reports. The dispute was sent by certified mail to TransUnion ( XXXX ), XXXX  ( XXXX ) adn XXXX  ( XXXX ). But by today XX/XX/XXXX The companies have still not responded, yet still reporting errors on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep tabs on my credit from all three bureaus. I have applied for a home equity loan and to my shock discovered that the credit they report to me is different than what they report to a lender. Point in case. Equifax reports via XXXX  and independently that my score is in the XXXX range, depending on the day ( depends on my use of credit ). It says : You currently have no negative information on your credit file. None of your accounts have a severe delinquency or a derogatory status Few or no instalment accounts with delinquent or derogatory payment status. Balances on bankcard or credit card accounts not too high compared to limits. 

The credit report from XXXX matches the XXXX report from XXXX XXXX 

However XXXX reported to the lender same day on a special report generated for " lenders '' that my score is XXXX and that i have " serious delinquency '' which I will attach. That means that if I get the home equity loan, I will pay a higher interest rate. The derogatory is from the US Treasury, dated 2017, for {$650.00} which they say I paid late. I do not remember paying anything late. I am certain there is a mistake but the phone number on the " derogatory '' matter is disconnected so I can not complain to them. I tried to dispute the derogatory report bur Equifax would not allow me to do so because " You currently have no negative information on your credit file. '' Why is there such a discrepancy between the information Equifax sells me and the information they sell the possible lender. That has to be illegal How long is it going to take me to clear this up? Will I lose the home equity loan? By the way the same derogatory information does not appear on XXXX- the report to the consumer and the report to the lender match.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised the following case # XXXX has been open since XX/XX/2022, approximately 55 days. 

I did not request a re-investigation. I requested Experian to provide a description of the procedures used to investigate /verify the following accounts, Pursuant to 15 USC 1681 i ( 7 ) Description of reinvestigation procedure. 

To date Experian has not been able to provide proof for the below accounts or provided me with a description of the reinvestigation procedures. 
XXXX XXXX XXXX XXXX Account Number XXXX As a consumer I know that pursuant to 15 USC 1681 I ( 5 ) Treatment of inaccurate or unverifiable information that is not verifiable is required to be deleted, with that being said DELETE the aforementioned accounts as it is past the 30 days DELETE NOW or I will seek monetary relief
Product: Money transfer, virtual currency, or money service

Crypto.com allowed to transfer my money using digital wallet to XXXX XXXX XXXX XXXX  and it is crypto scam. Crypto.com knew that the digital wallet was suspicious and belonged to crypto scammer.
Product: Vehicle loan or lease

We bought our car from global lending services in XXXX XXXX  for {$18000.00} it is now XXXX XXXX XXXX  and our payoff balance is {$16000.00} after us making {$470.00} payments since XX/XX/XXXX. When I asked them to explain they claimed it was put towards late fees along with charging extra fee amounts knowing my husband was serving overseas during that time
Product: Student loan

My online account with Edfinancial says that I owe {$0.00} and I do not have a due date. They have not sent me any statements in the mail or published any statements online for me. 

I have recieved pdfs with my monthly payment amounts stated directly in the inbox controlled by the US dept of education. This inbox link is buried deep in the Edfinancial site and is hard to navigate to. Edfinancial has sent me no instructions on this, I found it on my own. My Edfinancial web portal has not been updated to reflect any of this information within the pdfs. I have been making manual payments based on the PDF info, but the web portal still reflects no due dates and a due amount of {$0.00}. This feels misleading. 

I have not recieved any formal payment reciepts from Edfinancial, and I am unable to properly print my payment history ( all that shows up in the print function is the date and total payment, not which loan it was applied to ).
Product: Debt collection

In accordance with the Fair Credit Reporting Act, Bank Of America, 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 ( a ) : It also states a consumer reporting agency can not furnish a account wthout my written instructions.

15 U.S.C 166b A. Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

I am not liable for this debt with Bank Of America. I do not have a contract with Bank Of America, they did not provide me with the original contract I requested.
Product: Credit reporting or other personal consumer reports

I requested XXXX to give me verification of this account to prove it is mine. I also asked for the same verification from the XXXX and Equifax. I have yet to receive it at all. Also the account has been charged off for awhile and according to the FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) its considered income by the irs and income can not be reported on your consumer report! This needs to deleted immediately! You have already deleted it and there is no way in 3 days letter you proved that it was verified and put it back on. THIS INFORMATION IS INACCURATE NOT MINE AND A FRAUDULENT ACCOUNT! It needs to be removed at once. Im going to have to sue after this because this is ridiculous. They are not upholding the consumer law my rights Also all these inquiries ARE NOT MINE!!! Remove them at once! How many times have I requested proof and how many times must I say they are not mine a fraudulent. Remove them at once!!!
Product: Credit reporting or other personal consumer reports

Re : Formal Dispute of Account Balance - AMEX Account Ending in XXXX To Whom It May Concern : I am writing to formally dispute the reported balance associated with the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. The balance reported for this account is incorrect, and I am requesting a thorough investigation and correction. 

This account was charged off by American Express ( AMEX ) and is now under the purview of XXXX XXXX XXXX for collection. A charged-off account is recognized as a financial loss for the original creditor, and, under generally accepted accounting principles, AMEX should no longer report any balance due. Therefore, the balance should reflect XXXX, and any continued reporting of this balance by AMEX is misleading and inaccurate. 

Furthermore, I have noted that AMEX has been engaging in a predatory and fraudulent practice by continuously re-reporting late payments every month on this closed and charged-off account. This is not only a violation of the FCRA but also an unethical and deceptive tactic aimed at damaging my creditworthiness. These actions undermine the integrity of credit reporting and constitute fraudulent behavior on the part of AMEX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I also request that XXXX XXXX XXXX provide full validation of this debt, including : XXXX. Documentation proving the accuracy of the amount claimed. 
XXXX. A detailed explanation of why AMEX is reporting a balance despite the account being charged off. 
3. Proof of XXXX XXXX XXXX XXXXgal authority to collect this debt. 

If AMEX and XXXX XXXX XXXX can not substantiate the claims regarding this account, I respectfully request that : XXXX. AMEX immediately update its records to reflect a XXXX balance on this account and cease any further re-reporting of late payments. 
XXXX. XXXX XXXX XXXX halt all collection activity on this account, in accordance with the FDCPA. 

Please respond to this dispute within the legally mandated time frame as required by the FCRA. Additionally, I demand that you refrain from reporting this debt or any associated balance to any credit reporting agencies while this dispute is under investigation. 

Your prompt attention to this matter is appreciated. Please provide all correspondence in writing to the address listed above. 

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

I have a delinquent/collection account that was paid off and has a balance of {$0.00}, however it is still reporting to the CRAs. It is against the law to report a paid and XXXX balance collection. I have contacted the company numerous times and was told the account would be removed from the credit reporting agencies. This account has been paid off for years!
Product: Credit reporting or other personal consumer reports

Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of the disputed information on my credit report. As a result, inaccurate and unverifiable accounts remain unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, highlighting systemic failures such as not forwarding consumer-provided evidence to furnishers, accepting unreliable responses, and failing to properly inform consumers about dispute outcomes. These issues mirror my own experience, as Experian has neither corrected nor removed the disputed items on my report, despite the evidence Ive provided. This negligence has caused ongoing harm to my credit standing. I am requesting immediate corrective action to either amend or remove the disputed accounts. Experians failure to act violates federal law and infringes upon my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX  has been reporting wrong adress they stae your company has been giving them the adress the adress is associated with identity theft can you update this adress and send me copy that they have been notified or updated on my email XXXX, my infomation keep being stolen
Product: Student loan

I recently thought I wanted to consolidate my loans. On the same day I submitted the request I called to inquire about a step in the process, at which time I was informed it would NOT be in my best interest. I spoke with two people that day, both of which said the request wouldn't go through if I stopped at this point. One even said that if it does go through, just call and they will reverse it. 

Well the request went through and when I called they said they will not reverse the consolidation. The woman I spoke with just kept saying, " heh sorry about the miscommunication ''. Now I have a loan repayment not in my best interest and lost a year of my public service forgiveness. To make it worse the interest rate is higher than other companies that offer consolidation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, DEBT RECOVERY SOLUTIONS added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am not responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, DEBT RECOVERY SOLUTIONS has violated my rights as a consumer, and I am requesting legal actions to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I kindly request that the CFPB investigate these matters and ensure that the inaccurate information is corrected or removed from my credit report. 

Please confirm receipt of this letter and keep me informed of the progress of your investigation. I appreciate your prompt attention to this matter. 

" SEE ATTACHED FILES '' Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

n 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 


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. 

XXXX XXXX XXXX Balance {$12000.00} Balance updated XX/XX/year> XXXX XXXX XXXX  XXXX Original creditor XXXX XXXX  Balance {$3500.00} Balance updated XX/XX/year> XXXX XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX Balance {$2100.00} Balance updated XX/XX/year> XXXX Funding XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is in violation of the below laws on the accounts mentioned, and I want them removed immediately after they failed to respond to my demands in the required 30-day time to respond. 

XXXX XXXX, Account # XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX, ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions 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

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


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 or other personal consumer reports

Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX
Product: Credit card or prepaid card

I am a permanent resident of the United States of America since XXXX XXXX. I am a XXXX XXXX XXXX XXXX in my final year and a XXXX XXXX. My husband is a XXXX XXXX. Our annual income is over XXXX $ a year. Although we have many credit cards including an unlimited XXXX XXXX XXXX XXXX ( my Fico is XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX ),  XXXX with limits over XXXX $ and many more store cards, we have been constantly declined by XXXX : - XXXX XXXX, XXXX - XXXX XXXX, XXXX - XXXX XXXX, XXXX The agent XXXX ( ID XXXX XXXX XXXX ) in Arizona, XXXX XXXX XXXX partnered with Citibank stated that the reason would be a " rejection by the system '' because of the " limited credit history ''. Although I have a very high credit score, the fact that I am a permanent resident makes me vulnerable by the XXXX automated credit card processing. Such an automated decision is a violation of the federal law, because it would decline any new permanent resident, although a specific situational case by case decision must be met in order to be complaint with the consumer protection law.
Product: Student loan

My student loans were transferred to mohela service in past few months. I was advised by mohela to re certify or update my XXXX XXXXXXXX plan in XXXX of 2024 which i did. My payments have been in ~ {$580.00} range. Beginning of XXXX they collected ~ XXXX from my bank account as it was set up as autopay. I called right away and was told my loans are going though transition and to call back once that is done which i did, I spoke to supervisor and she said that i do not need to fill another application, i will get me refunds and to make another payment of my monthly regular payments and she will put my loans in forbearance to review my account. Nothing happened, i sent message through account and i called over XXXX times no one can tell me whats going on. XXXX weeks ago i spoke to another supervisor and she said that she doesnt see any of this on my account except i was put in forbearance and no review yet. I was on phone with her for over on hour she promised that my case will get esclated, she will file another review and request someone to call me in 5 days and none of this happened. Now my account says i am due to pay XXXX on XX/XX/XXXX. I filed two complains over a month ago with studentaid.gov and no one has reached out to me. I am really tired and sick of this i have not had any issues with my loans in past and never had to go through this. I am A XXXX XXXX  worker who now have to worry everyday and XXXX about this as if i dont pay it my loans will go into default