23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a student loan from XX/XX/XXXX ( from 20 years ago ) and have paid many XXXX of dollars towards it. This past year alone, I paid nearly {$4000.00}. Last year I paid over {$5000.00}. The servicer is American Education Services. The principal balance is almost exactly the same since it was originally issued. This means that all that I have paid ( $ XXXX ) has gone towards interest and not the principal balance. The interest rate is quite high, 7.625 %, and with a large principal balance ( $ XXXX ), the monthly payments are high and I have done my best to pay them every month. However, sometimes I might miss a payment, or need to go on forbearance for a while ( after losing a job, etc ). This has resulted in any headway I made to be lost ... I have another student loan with a different servicer ( Navient ) that is from XX/XX/XXXX. The interest rate is much lower. The principal balance is about half of the original amount now, after 10 years of making payments. It was easier to keep up with those payments because of the lower interest rate ( 2.5 % ) and smaller principal balance ( $ XXXX ). In summary, I do n't think students should have to pay such high interest rates. In cases like mine, it can make it nearly IMPOSSIBLE to pay off the principal balance. Also, I do n't think in times of financial hardship, the interest rate should be allowed to accrue. Hopefully student loans can adopt these ideas in the future so other students wo n't have to suffer like me. 
Thanks, XXXX XXXX. I love XXXX XXXX!
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX 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: Credit reporting or other personal consumer reports

This information does not belong to me and since it is not mine, it prevents me from obtaining loan capacity.
Product: Checking or savings account

I signed to my account yesterday and tried to make a transfer to XXXX XXXX XXXXXXXX ( to the same account used to find the Citi account. The system did not allow me to do that and gave an " XXXX '' error, indicating that I should call the bank I did call the bank and indicated that I also wanted to close the account. The representative did not seem to understand me and we ended the call. 
Called today and seems that I was routed to the right person : they informed that the account was " under investigation '' and that I could not do any transactions until the investigation is over ( estimated between 30 and 60 days ). 
I have {$10000.00} in the account that now Citi gets to keep ( I am sure without interest ) until they complete an investigation that I don't know what it is about.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
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 Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$12000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Dear Sir/Madam, Subject : Dispute of Inaccuracies in Credit Report Pursuant to FCRA 15 U.S. Code 1681 ( b ) ( 2 ) I am writing to bring to your attention a matter of significant concern regarding inaccuracies present in my credit report, even after providing evidence to credit bureau agencies . Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681 ( b ) ( 2 ), I have taken appropriate steps to rectify these errors, yet they persist. 

Despite submitting evidence to the credit bureau agencies, the following inaccuracies continue to be reflected in my credit profile : Inaccurate Addresses : XXXX. XXXX XXXX XXXX, XXXX, MICHIGAN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MICHIGAN XXXX Inaccurate Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The sole accurate and correct information pertaining to my address and name is : - XXXX XXXX XXXX These inaccuracies are not only damaging my credit profile but also could potentially impact my financial standing and credibility. Despite submitting supporting proof to the credit bureau agencies, the incorrect data remains, which is a direct violation of FCRA guidelines.

I respectfully request the Consumer Financial Protection Bureau to conduct a thorough investigation into these persisting inaccuracies in my credit report and take the necessary steps to ensure their immediate rectification in accordance with the FCRA guidelines. 

Enclosed, please find copies of the evidence previously submitted to the credit bureau agencies for your reference and review.

I kindly request your prompt attention and resolution to this matter and seek confirmation of any actions taken within the stipulated timeframe mandated by FCRA. 

Thank you for your immediate attention to this matter. Please do not hesitate to contact me at if further clarification or information is required. 

Sincerely, Enclosures : Copies of previously submitted evidence to credit bureau agencies Please ensure to enclose copies of any proof or documentation you submitted to the credit bureau agencies, highlighting the discrepancies for the CFPB 's review.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject XXXX Request for Removal of Unauthorized I identity theft Hard Inquiries Dear XXXX, XXXX I am XXXX to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, and these are negatively impacting my XXXX XXXX. 

The unauthorized Identity theft inquiries are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XX/XX/year> To Whom It May Concern : This is my final communication regarding your claims that the information below has been " verified '' and that the information being reported by the furnishers is 100 % accurate. 
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 have repeatedly asked for your evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnishers.

Furthermore, I have requested your method of verification and you have not complied which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ) and 15 U.S. Code 1681e ( b ) which states " 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 '' and you have neglected to provide me which such information either time I have requested it.

In absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number.

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for " negligent non-compliance ''. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX account ( XXXX  account number XXXX )
Product: Credit reporting or other personal consumer reports

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

15 U.S. Code 1666b - ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

15 U.S. Code 1692c - Communication in connection with debt collection. at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 U.S. Code 1602p - The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

On top of the US code that has been violated, I have reasonable suspicion that there is various information within the report as inaccurate and hereby demand that the negative items impacting my credit reporting is hereby removed swiftly and promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello; last year i reach out to capital one requesting an explanation why they ding my credit ; they blame me for applying for car loan which was incorrect ; it turns out not only was my identity used and they provided another XXXX dollar credit ; but they lied about it ; now on my credit when I ask for an increase they only increased my six year account by XXXX ; I don't understand how someone who isn't really me could get a account and still use my credit without my consent and lower my score ; I need help
Product: Credit reporting or other personal consumer reports

I am disputing these inquiries on my credit report because it is inaccurate and unauthorized by me and by law they need my permission to put thing on my credit report according to FCRA SECTION 605B. I ask that these items be removed immediately. 

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 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: Debt collection

FAIR COLLECTIONS & OUTSOURCING CONTACTED MY WORK PLACE THAT MY CREDIT WOULD BE RUINED. XXXX IS THE FIRTS TIME I EVER HEARD OF THIS COMPANY. THE NEVER SENT ME A LETTER NOTIFYING THAT THEY WOULD BE REPORTING ON MY PERSONAL REPORT. THIS IS A VIOLATION OF MY RIGHTS. HOW CAN THEY USE MY SOCIAL SECURITY NUMBER CONTACT MY JOB ABOUT SOMETHING I KNOW NOTHING ABOUT. I AM SUFFERING FROM XXXX IN THE MILITARY AND THIS HAS STOPPED MY GRADLOAN TO COMPLETE SCHOOL.
Product: Checking or savings account

I always order something online and I forgot to protect my money and finally my bank sends me a new debt card
Product: Credit reporting or other personal consumer reports

To freeze your credit report on Experian the company requires an individual to sign up for a {$15.00} per month subscription. This is discriminatory against individuals from lower income because it means that their credit will be more likely to be subject to unsolicited advances from lenders that they might otherwise not want.
Product: Debt collection

Because 15 USC 1681b clearly states they ( company ) must have written consent from the consumer ( 1 ). Your company obtained this account without my consent as the consumer and that is going against 18 USC 1028A as aggrevated identity theft. I will continue to fight for my rights to get these accounts you have in your possession removed. I will now be reporting your company to XXXX XXXX XXXX XXXX as fraud due to acknowledging my consent without my permission. Company did NOT do as I asked. I also would like to know how did the particular company come back verified as accurate when this company did not have my written consent in which they were sold this account debt. I also would like to know whom did they speak with Personally in regard to this debt? 
I WANT THE CFPB TO PUBLISH THIS
Product: Checking or savings account

I was coerced into buying gift cards because my identity was supposedly hacked. 

The card was charged for {$700.00} at XXXX on XX/XX/year> and I disputed it with the bank. They wouldnt cover the {$700.00}. I never buy gift cards so this is unusual account behavior The institution I use is first Horizon Bank as my financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$5700.00} with XXXX, XXXX  and Transunion credit reporting agencies. I requested verification of the debt and account however XXXX XXXX   failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit card or prepaid card

I got a card at Macys it was {$100.00} I used to make the payments on time but I got layoff due XXXX and thats why I cant keep pay it, I dont have a job right now
Product: Mortgage

OCWEN Mortgage company raised our percentage rate which resulted in a XXXX % increase in our mortgage payment per month. It is forcing our family to sell the home, potentially at a loss. What adds insult to injury, is that OCWEN claims that they notified us 30 days prior, but I check out mailbox every day, and we received the updated bill 16 days before the due date. How is a family of XXXX supposed to be able to survive with evil mortgage companies like OCWEN existing in this world? We originally signed our mortgage with XXXX XXXX who then sold our mortgage to INDY MAC who then sold it to OCWEN. For 10 years we have never had a missed or late payment. I blame all of the companies involved that is forcing us out of this home and holding our good credit rating at ransom. This is extortion in the modern age.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX never late INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine
Product: Credit reporting

Transunion customer service US handling would not help and take care of the negative inquiries reporting to my credit report. 
which are XXXX and XXXX I will like them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit scores have been affected by the derogatory information on my credit file by several creditors. I have never given the creditor permission to report any information to my credit report, the information reported is not updated correctly, and according to the Fair Credit Reporting Acts Section 609 ( a ) ( 1 ) ( a ) I've asked for my original creditors agreement showing my original signature. Equifax has complied but XXXX XXXX and XXXX has not followed the laws.