23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with California Business Bureau for some time now. There is a collection for XXXX XXXX XXXX XXXX. I call them to settle this on my credit report it shows {$540.00} then they tell me it {$900.00} ARE YOU KIDDING ME. Then am told that they will only deleted it if I paid in full. This is insane that the credit report said one thing then when you call it XXXX dollars more. I feel they are just tryin to get more money from me. I am willing to settle on the {$540.00} with a deletion since this is old and almost to the 7 years past stats. I do not feel that this is an unreasonable request.
Product: Student loan

I attended XXXX XXXX back in XXXX / XXXX fresh out of XXXX XXXX like hundreds of thousands of others did my age. When I realized XXXX XXXX was taking loans out in my name without my authorization, I immediately stopped going to the school. 

Years later, the federal government closed XXXX XXXX due to massive Fraud. It is widely known by the public that XXXX XXXX committed fraud against ALL their students. I filed a defense to repayment claim with the federal government and the recent federal court case that was won, forced the feds to process all these defense to repayment claims that had been sitting for years. They approved my claim for XXXX XXXX and expunged all my student loans related to this school. 

I have been in bankruptcy on and off for the last 10 yeasr of my life due to this. But when I exited bankruptcy after my student loans were forgiven, i was shocked to see private student loans from Navient, that are from XXXX XXXX. I never knowingly took out any private student loans with them and had no idea these loans even existed until I exited bankruptcy. 

I filed a motion to have the loans discharged through Navient since XXXX XXXX literally frauded every single student they ever had, and figured that they would clear them out. Navient came back to me and said no they would not get rid of the loans and that I needed to pay them or they would sue me/ ruin my credit. They flatly refused to offer me any explanation as to why they denied my motion for discharge. 

Back in XXXX a former student of XXXX XXXX sued Navient for this same reason and won. This case, known as XXXX v. Navient, brought attention to the issue of predatory lending practices in for-profit education. XXXX XXXX won this case. So there is a precedent. 

I am currently attempting to hire the same law firm that helped XXXX XXXX back in XXXX but it is proving to be almost impossible. No one wants to help me fight this. I will not pay for loans that I didn't take out. I will live with bad credit forever before I pay for fraudulent loans.
Product: Money transfer, virtual currency, or money service

Klarna, a buy now, pay later service, was a service I had used to purchase a customized mask for cosplay purposes. This specific item would have taken multiple months to create even going past the 100 Day policy to file any claims with Klarna. 

The reason I mention this is because 3 months after the purchase ( as well as frequent update checkups by the merchant ), I was unfortunately scammed after being ignored by the merchant. 

I was in an irritating back and forth cycle with Klarna and XXXX, going from customer service representative to another. Each telling me that the other party was responsible for my refund. 

Klarna opened a claim for me in XXXX XXXX, and I had complained that I recieved no email to submit my proof backing up my claim of being scammed. 

Their response was to close and re-open my claim, but to my suprise I found out that XXXX had already given a response to the claim, supporting my refund, but since It was closed, XXXX assumed my issue was already resolved. 

A Klarna agent misinformed me with the presumption that I was able to open another case once It was already closed, which is untrue. 

I ended up filing a claim against Klarna in which I recieved a temporary credit of {$500.00} The investigation reached a decision that was not in my favor. The aforementioned temporary credit was revoked from my checking account, but Klarna still had re-opened my payment plan claiming I still owed them the XXXX XXXX 

I was just paid today on friday the XXXX, and discovered I was charged XXXX $ a 2nd time, even after my temporary credit was revoked. 

I can not even learn from being scammed and instead of losing my money once, Ive essentially been charged twice for the same order due to Klarnas Impatience.
Product: Checking or savings account

I had listed an item on XXXX for {$1000.00}. The seller had offered to pay me in a check. As I had received the check and cashed it into my account, a few days later the scammer had done some sort of hacking which led to a deduction of {$2900.00} from my account and I am left with a - {$240.00} in my checking accounts. I have no money on me, cant pay a single bill, cant pay for college, cant get food, no transportation, nothing. Kindly please get back to me. 

Scammers XXXX account- XXXX Phone number- XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Bankruptcy Account : US BKPT CT AL XXXX 15 U.S.C 1681 Section 602A States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( my full social security Number was shared as well as other info. ) 15 U.S.C 1681S2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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: Debt collection

Medicredit is a collection office whom reported me to credit, lowering my credit score, holding my plans to sign contract to build my new home. The original account name is not under my name But one of the Medicredit representative wrote I stated that I changed my name and therefore acquiring the debt. I never stated I changed my name. I always had the same name. When I confronted this office about the fraud their representative did, they refused to speak to me. I want them to remove that Fraudulent Debt reported in my credit line.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my loan was discharged under proven XXXX as submitted and accepted from my XXXX. In XX/XX/XXXX, Social Security returned a favorable decision in the court in XXXX, VA, backdated to XXXX XXXX when application was first submitted. Ongoing communication with the servicer XXXX has proved futile to correct my credit reporting as a severe derogatory item on my credit report.
Product: Debt collection

On XXXX I paid my bill with Att off completely and CLOSED the account. I transferred all my devices to XXXX. XXXX had to unlock all my devices for me to switch them to XXXX network. On XXXX all my devices were activated on my XXXX account. My bill was paid to zero. If I didnt pay my bill owed they would not release my devices. They have now sent me to collection saying I owe them {$68.00} for my watch still being active on their services but it was not. Ive contacted XXXX back in XX/XX/2020 when they sent me a bill and told them that account was closed on XX/XX/2020 they said theyd fix it and apparently they never did. It is now on my credit report and I dont owe them nothing. The new creditor calls me all day harassing me. Ive told them I have proof and was willing to send it in. Theyre not trying to hear me. I need help getting this cleared up.
Product: Debt collection

Loan matured XX/XX/XXXX. 
Loan extension was requested prior to maturity but terms of modification were never disclosed to me. I was not willing to pay trial payments without knowledge of the modification terms. 
In XX/XX/XXXX, I requested a payoff amount to pay loan in full. I received a payoff quote charging me interest up to the end of XXXX which is way pass the maturity date. I requested to have an updated payoff with interest up to the maturity day. the investor stated this is not allowed. I checked the credit agreement today on XX/XX/XXXX and no where in the agreement it says they can charge interest past maturity. in fact, there is language that talks about a balloon payment at maturity where all interest and principal is due up to that point. that is all I want to do - I want to pay the account accurately and in full up to the maturity date. they stated if I pay less than that then the account will reflect as settled and non paid in full on my credit history. I do n't agree with this. in addition, today 's representative " XXXX '' stated that there is default language in the agreement that states they can charge interest pass the maturity date. this is a lie as nothing is stated in the agreement regarding default. he proceeded to hang up the phone when I asked for the language he was referencing.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX XXXX  TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX Account number : XXXXXXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX Account number : 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 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 XXXX XXXX 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Syncb/Paypal on XX/XX/2019 and I have no recollection of doing any business with Syncb/Paypal. I contacted Syncb/Paypal, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Product: Debt collection

I am filing this complaint in regard to an inaccurate item on my credit report which is negatively affecting my credit. Despite my efforts to resolve this matter directly with the reporting agency, it remains unresolved. I am requesting immediate investigation and removal of this item, as it is incorrect. 
Name : XXXX XXXX Account : Caine & Weiner Amount : {$1400.00}
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX OF XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX :
Product: Money transfer, virtual currency, or money service

It is never going to be fixed until PayPal will be sanctioned for its unfair practices to hold onto my money. I spent almost a month to transfer my money to XXXX XXXX without success. Every time I repeated the link process it was stating : successful, but PayPal just resisted to make money available as an external account on my XXXX account. 
Now I transferred my money to my Bank on land and first they began to look for any way to hold onto my money too. Finally, after I told them that I am going to complain they promised that it will take one day and it was done. For the second transfer, in their email PayPal said that the money will be there in one day, but it was not at the same day as it supposed to be, I believe sent virtually in minutes or as stated in email on XX/XX/XXXX, in one day. Today XX/XX/XXXX and my money isn't in the bank yet and my purchase that I planned is jeopardized as I need to make a transfer from the bank. The email arrived that I got a message from PayPal that I can only see partially because PayPal does not allow to see the entire conversation and only part that fit inside the frame on the laptop screen inside smaller frame on PayPal page. There agency was talking about 6-7 days for transfer. This is unbelievable how easy they deceive, take an advantage and make me nervous at my ages. I got so sick at the PayPal games that I need to get a medical assistance. 
I was going to pay for a purchase and now it is fell.
Product: Student loan

On XX/XX/ I signed a note disclosure statement with XXXX Bank. The amount financed was for {$20000.00}. The annual percentage rate of a cost yearly credit was 10.470 %. The finance charge was listed as {$47000.00}. My total amount that I am to pay to the lender after the payments scheduled is {$67000.00}. My concern comes in form of the variable rate ( APR ) that I was forced to sign. On my disclosure statement, I was to chose one index rate that determines the APR. At that time the LIBOR Index Adjusted monthly was most favorable. However, based upon a recent article the LIBOR index will no longer be used. At this time, I feel my lender misled me with harmful information that affected my financial decisions. 

https : //www.consumerfinance.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



The lender no longer services my account. My payments are based upon a variable rate. On my signed document I was to chose ( 1 ) annual percentage rate option
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous communications regarding the correction of a late open account. This marks the multiple formal attempt to address this matter. 

As previously discussed, there is an error in the opening date of one of my accounts, which is negatively impacting my credit history. Despite my repeated efforts to rectify this issue, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial standing. 

It is crucial that immediate action is taken to rectify this matter and ensure that my credit report accurately reflects my financial history. I urge you to prioritize this issue and expedite the process of correcting the late open account. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX XXXX  XXXX Balance : {$5400.00}.
Product: Vehicle loan or lease

I submitted my credit app to XXXX XXXX at XXXX XXXX and told him only submit it to FORD CREDIT ONLY FOR NO PERSONAL GUARANTEE BUSINESS LOAN. He took my app and fraudulently submitted me to tons of banks now preventing me from obtaining credit anywhere due to HIGH AMOUNT of inquires. This is anti trust and Ford is offering other companies with similar credit to my business loans. Under Missouri state law I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data. I never gave permission to send application anywhere accept Ford. And ford forced me to go to dealer to submit commercial application. They are responsible. Auto Dealer Fraud. Buying a car can be a fun and exciting experience. ... Auto dealer financing fraud describes deceptive and unlawful practices used by automobile dealers. This type of fraud can occur at any stage of the vehicle purchase process, from advertising to negotiation of vehicle pricing and financing terms. Please see attachments for XXXX XXXX Whom ford never had permission to Submit credit to.
Product: Credit reporting or other personal consumer reports

XXXX is not removing the fraudulent accounts on my credit report XXXX XXXX XXXX XXXX XXXX 's XXXX And other XXXX accounts XXXX XXXX
Product: Mortgage

Our mortgage got sold to Shellpoint Mortgage a few years ago. My sister and I have paid our mortgage on time every month. Shellpoint adds hundreds of dollars a month in arbitrary fees making it impossible to keep it paid up. Last XX/XX/XXXX they sent a letter saying they were going to foreclose on our house due to these fees. I got the money ( over {$2700.00} ) to pay them. In XX/XX/XXXX of last year they sent me a letter saying we were paid up.Then in XX/XX/XXXX of this year the payment statement said we had extra fees of {$660.00}! It has increased every month since then. I have talked to them and sent letters to no avail. This week they sent us a letter similar to the one we had last XX/XX/XXXX saying they were going to foreclose due to these fees again. They say now we owe {$5400.00} in fees. I don't have any money to pay that and shouldn't have to. I have talked to a lot of people I know and they don't have these kinds of fees to pay and we have never had them either until we got Shellpoint as our mortgage company. 

In 2006, we made a big mistake in trusting the husband of a co-worker who promised us to get us into a fixed rate rather than the adjustable rate. We met with him 3 times. He ended up giving us another adjustable rate which we didn't know. He also had our house ( that is old and falling apart ) appraised for three times more that it was worth so increasing our payment by a lot of money. We did not get money from his refinancing but we found out years later that he had two checks written out for him with our money for over {$50000.00}. I tried to get help with this mess back then and NO ONE would help us. We have lived in this house for over 25 years and we will never own it and we have paid a fortune for it! When we bought it, it was for {$120000.00} and when he refinanced it, the loan was for {$380000.00}. Our lives have been miserable since this happened. We have our mother and adult nephew ( who doesn't work ) living with us so it is important to have a place for us to live! We have tried everything we know how to do to keep this house.
Product: Debt collection

I received a debt collection alert on my credit report for an alleged debt of {$160.00} placed on my credit report by a company called XXXX XXXX XXXX. I have no knowledge of this debt and I have never received any notice of this debt or any chant to dispute the debt which is a violation of my FCRA rights. I have no knowledge of this debt and there isn't even an account number for the debt for me to call and ask for information about it. This debt is not mine and I have no knowledge of it.
Product: Credit card or prepaid card

To our surprise, Chase is being charging us 23.99 % on the credit card and when I called them, they claimed that they had told me this when I signed up for the card which is n't true because I recalled the guy telling me 13 %. Then they said they wanted to check the recording and came back to tell me they did n't said 13 %. when I said I was recording the call and they will provided it to the State Attorney General office, they suddenly left and came back to tell that they ca n't talk if I am recording.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - and XX/XX/XXXX I wrote each credit bureau and asked them to verify the debt. I don't recall getting a response or updated credit report as requested so I sent a letter directly to XXXX. 

On XX/XX/XXXX I asked XXXX for debt validation because they were reporting a charged-off account to credit bureaus. As a result of doing some research, I learned that UCC laws may not have been followed making this reporting unverifiable and inaccurate. I faxed a debt validation letter to XXXX XXXX attached with proof of fax delivery ) and after 30 days I have not had a response from XXXX or from Equifax Experian or Transunion and the account in question is still being reported ( I saw the information on both MyFICO and Identity XXXX XXXX attached ). I want this deleted because ( 1 ) the XXXX reporting is inconsistent or incomplete ( 2 ) XXXX did not respond in 30 days AND ( 3 ) XXXX provided no documentation they met UCC laws.