23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The interest rates charged by Barclay Bank Delaware on credit cards exceeds 19 % and is usurious. I requested that the interest be lowered so that I could pay the card off in 3 payments and was told that it could not be lowered. I am a senior. The balance on my card is {$12000.00}. and {$3200.00} respectively. I have asked numerous times for a reduction and have been told that nothing can be done. I have been told by my attorney just to stop making payments on the accounts because they will not work with me. They have told me that settlement on the accounts, even if they are paid in full would ruin my credit. I want the interest reduced to 8 - 9 % on each card. I do not want them reinstated - the bank cancelled them because I did not pay enough money on them despite the fact that I paid more than the minimum and have done so for years.
Product: Debt collection

Equifax is reporting on debts I do not owe. XXXX XXXX and XXXX XXXX debts are not mine! Equifax continues to report and verifies these items. I have requested proof of verification on multiple occasions, and they fail to send me any information. My identity was stolen years ago and made a police report. My police report # XXXX. I have never signed any documentation to these creditors.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, no statute of limitations SEE MY WEBSITE XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX I have four borrower defense cases with the United States Department of Education against both of these lenders and the games that they have played with my information ( OBSESSED ID THEFT ) down to preventing me from getting my XXXX XXXX. Ive applied at several schools. They accept me and then turn around and compromise my ability to attend and slap me with all kinds of loans that were never paid to me, and now I cant even attempt to even attend any college because theyve done so much damage to my credit report theyve done so much damage to my identity. Its been all this internal ID theft, and they will not do anything right XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VICTIM ( since XXXX ) { XXXX XXXX Days to BLOCK ( SENT XX/XX/XXXX, still not done ) } XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX, EXPERIAN & US DEPT OF EDUCATION | XXXX XXXX  | US DEPT OF TREASURT | FEDERAL CORPORATE FINANCIAL FRAUD | XXXX & ALL CRYPTOCURRENCIES XXXX XXXX XXXX XXXX FEDERAL OMBUDSMAN | BORROWER DEFENSE CASES | US DEPT OF EDUCATION | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 is reporting XXXX XXXX  on my credit report, but this account and balance do not belong to me. I have disputed this multiple times with Experian, yet they continue to violate the rules and regulations regarding the handling of fraudulent accounts and identity theft. 

Once again, I am attaching the removal letter from XXXX XXXX  to request the removal of this account from my report. This situation is fraudulent, and Experian has not complied with the required time frame to investigate and correct this urgent matter. 

This needs to be addressed immediately.
Product: Debt collection

I applied for a loan via XXXX XXXX, and was approved on XX/XX/2020 in the amount of {$1400.00}. I the funds were directly deposited to my checking account. I had all intentions of paying this debt. I had an issue with my account and the payment was declined. I tried multiple times to log into my account to set up and discuss other arrangements. On XX/XX/2020 I sent an email to XXXX stating that I still had not received a reply to discuss my outstanding balance. I finally received a reply stating that the defaulted loan had been sent to Apex Servicing an outside collection on XX/XX/2020. 

My last paycheck had a garnishment of {$340.00}. I was concerned because I have not received any documentation about this garnishment in the amount of {$2000.00}. Per my payroll department the " Writ of Garnishment '' was received on XX/XX/XXXX via Apex Servicing. I contacted Apex Servicing XX/XX/2020, they said because I signed and accepted the loan, once defaulted Apex had legal authority to submit a " Wage Assignment '' to my employer, which they have to abide by. I would have to pay the balance in full to stop the " Wage Assignment ''. I told the operator I have not received anything in writing via mail from " XXXX XXXX '' or " Apex '' that this was going to take place at all. 

I was willing to set up other arrangements. The only way I even found out was because my pay had a large deduction, and I started investigating.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX Account XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Experian, and XXXX for failing to correct inaccurate information on my credit report. Despite requesting a re-investigation and filing previous complaints, the inaccuracies remain unresolved and continue to negatively impact my credit profile. 

The credit bureaus closed my previous dispute, yet the incorrect data is still reported. Ive made several attempts to have this issue addressed, but no resolution has been reached. This failure to correct the information is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : XXXX. FCRA Section 1681i ( Reinvestigation of Disputed Information ) : The credit bureaus did not properly reinvestigate the disputed information, leaving inaccurate details on my report. 

XXXX. FCRA Section 1681e ( b ) ( Maximum Possible Accuracy ) : The credit bureaus are obligated to ensure accurate information is reported, but the inaccuracies have persisted. 

XXXX. FCRA Section 1681i ( a ) ( 1 ) ( A ) : The required re-investigation was not initiated as per the law, and the errors remain unresolved. 

I request that the Consumer Financial Protection Bureau ( CFPB ) take action to investigate and ensure the bureaus comply with the law and correct the inaccuracies on my credit report immediately.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year>, all four major credit bureausEquifax, Experian, XXXX, and XXXX made it impossible for me to add a personal statement to my credit report despite my repeated efforts to contact each one of them over the past two weeks. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports and to add a personal statement explaining their side of the story if a dispute is unresolved. The persistent failure of these credit bureaus to facilitate this process violates my rights under the FCRA and has left me without a means to ensure that my credit report accurately reflects my circumstances. This stonewalling not only hinders my ability to clarify my credit history but also raises serious concerns about their compliance with federal laws designed to protect consumers. 

Moreover, XXXX, Experian, and XXXX have closed out all of my disputes filed directly with each of them without providing me any results or explanations for their decisions. This is a clear violation of the Fair Credit Billing Act ( FCBA ), which mandates that credit bureaus must investigate disputes and provide the results to the consumer. By failing to inform me of the outcomes, these bureaus have disregarded their legal obligations and left me in the dark about the status of my disputes. This lack of transparency is particularly troubling given the serious nature of the inaccuracies on my report, which include incorrect information fraudulently provided by XXXXXXXX XXXX  The continued presence of these errors on my credit report has unjustly affected my credit standing, undermining the purpose of the XXXX and FCRA. 

In addition to their failure to provide dispute results, XXXX, Experian, and XXXX have perpetuated the misinformation supplied by XXXXXXXX XXXX, despite clear evidence that refutes the bank 's claims. The FCRA requires credit bureaus to ensure the accuracy of the information they report. However, by maintaining false information on my credit report, they have further violated my rights under the FCRA. This persistent inaccuracy has not only caused undue harm and inconvenience but also highlights the systemic issues within these credit bureaus regarding their handling of consumer disputes and adherence to federal regulations. The combined failures of these institutions to investigate, resolve disputes within the legally required timeline, and provide necessary information underline the urgent need for immediate corrective action to rectify my credit report and prevent further legal ramifications.
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/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Student loan

Called yesterday XXXX/XXXX/XXXX to get help concerning student loans with are behind due to wife becoming XXXX and currently can not work due to neck and back surgeries which have not worked thus our House hold income has been reduced by XXXX. What a joke their customer service is. The first line agents know and do nothing, placed on hold each time she had to see if they could help me ( Multiple times ). With all there supposed programs they can not help people in trouble. Been laid off three times ( XXXX XXXX XXXX, caused by the US Government ). At the time XXXX XXXX said I only qualified for a forbearance, never offered any other program or help. Thus around a {$40.00} loan now over {$75.00} ( almost doubled, over {$30.00} in fees and compounded interest ), it is like the banker having the key to the vault, or a payday loan company. I see now why they did not offer me any other helpful programs, they are really just Congresses loan sharks running the system! They get to have their cake and eat it too. I graduated in XX/XX/XXXX, I am XXXX years old. I will never get to retire. The way it is gong I will be dead before these loans are paid off. I am not asking for a free ride, just some real help. Piling more and more fees and compounded interest is not help, it is just helping someone dig a deeper hole in watch one can not get out of at almost XXXX years of age. I am also a XXXX XXXX vet and yes used part of my old GI bill to start college, but the old bill was canceled and thus had to get loans to complete college, while raising a family of XXXX, working full time, and helping put my own kids in college. No Vet should be saddled with college debt at least for a XXXX Degree. Also why do they base the help on Gross income? The US Government takes almost a third of my income out for taxes ( my money that can not to be used to pay my bills ) and that does not count the USG 's requirement to have Health insurance ( More costs ). The US Government created this mess they need to provide real help and fix it. The system has already made enough money off me already. Also they call me at least three or more times a day all hours of the day up to XXXX XXXX.
Product: Debt collection

Issues on credit report are closed by the bank institution and dismissed or forgiving. Others, are medical or ambulance fees that were from a unaware circumstances and not negotiable but emergency.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 1681 c. ( 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. the accounts i am talking about are listed below : Delete all accounts 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

CBA claimed I owed them {$180.00} reported to my Credit file, no notice was sent to me regarding this debt. I found out when I checked my credit file and immediately sent them a certified letter on XX/XX/2018 requesting for information, my letter was delivered on XX/XX/2018 at XXXX XXXX, CBA re-reported the debt to my credit file on XX/XX/2018, however they have refused to communicate with me nor send me any bill or information regarding this debt. I called them several today XX/XX/2018 my calls forwarded to voicemail every time. 

I do not owe any money. 

A copy of my dispute to CBA is attached.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Money transfer, virtual currency, or money service

Coinbase issue. 
I purchased a fixed amount of bitcoin in XXXX ( approximately XXXX bitcoin ). I transferred it to my coinbase account. I haven't been able to log into my account soon after that date. 
I was asked to verify my Identity by submitting an ID such as a passport and a selfie. I followed all of the steps required but it didn't work. 
I attempted to resolve this issue by following the guidelines on the coinbase site. It didn't work. 
I reached out to coinbase support on the XX/XX/XXXX and on the XX/XX/XXXX I still haven't received any response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several phone calls to the fraud dept concerning this issue. I have also sent in dispute letters to verify and validate. I haven't received a response from either party.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card

Capital One XXXX Dear XXXX, I am writing to express my deep dissatisfaction and concern regarding the recent adverse action taken in response to my request for a credit line increase with your institution. On XX/XX/year>. I received correspondence from Capital One stating that my request for a credit line increase was denied, citing information allegedly obtained from XXXX. However, this assertion is not only inaccurate but also deeply troubling. 

I want to bring to your immediate attention that my XXXX credit report has been frozen for identity theft protection purposes. Therefore, any claim of utilizing XXXX for a credit pull in this context is unequivocally false. It is imperative to note that the adverse action letter sent to me contained erroneous information that does not align with the current data reported on the credit reporting agency platform. In addition, I have exercised my rights given to me under the FCRA and I have reached out to the Consumer reporting agency directly and was reassured that my consumer report has been frozen and the reasons you have claimed for denial of a limit increase is in fact fale. 

Under federal law, I am entitled to accurate and truthful information regarding the reasons for any adverse action taken against my credit request. However, the adverse action letter provided by Capital One included XXXX different reasons for the denial, none of which reflect the actual state of my credit report. This discrepancy is not only alarming but also violates the rights afforded to me by federal regulations. 

I demand an immediate and thorough investigation into this matter. Upon calling to inquire about this I was told to apply again. It is imperative that Capital One rectifies this situation by providing me with a detailed explanation of the inaccuracies present in the adverse action letter. Where did you get this information from and why are you falsely claiming it came from XXXX when I keep my report frozen and why am I being denied a simple limit increase, I did not request {$50000.00}. Furthermore, I insist on a reevaluation of my credit request based on accurate and up-to-date information from the appropriate credit reporting agency. 

Failure to address this issue promptly and satisfactorily will leave me with no choice but to escalate this matter to the relevant regulatory authorities. I trust that Capital One values its reputation for fairness and transparency and will take the necessary steps to resolve this matter expediently. 

I appreciate your prompt attention to this matter and expect a timely response within 30 days of the receipt of this letter. 

Sincerely