23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Since my repayment started almost 1 year ago the payment has been too high for me to afford. I called them as soon as I knew what the amount would be per Month but they told me there was nothing I could do and that I made enough to make the payment, which I did not. After losing my job 3 months ago I started to get behind on payments but still they told me I had no other options for repayment all I could do was put them in forbearance which would cost {$150.00} per loan or default on the loan. I started receiving calls multiple times a day when I was behind and when I would answer they continued to tell me I had no options. Finally after being 4 months behind on my payments, racking up a lot of late fees and them raising my interest rate on each loan by almost 1 % they said I could do a different repayment plan. That took my payment down a lot but I had to make 3 months payments on time before I was actually enrolled in the plan and the plan only lasts for 12 months. I enrolled in the plan, made the payment on time this month and they continue to charge me late fees on all of my loans. They also reported to the credit bureaus again that I was still late even though I made the payment on time. They told me nothing would change in their system until I made those first XXXX payments on time so it still shows I 'm now almost 5 months behind even though I made a payment and that means they will still report to the credit bureaus that I am missing payments plus charging me those late fees.
Product: Debt collection

I am writing to express my dissatisfaction with the lack of communication from your organization, Online Information Services, subsequent to my initial interaction with Online Information Systems. Despite multiple attempts, including correspondence sent via certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX ) and subsequent follow-up correspondence ( tracking number : XXXX XXXX XXXX XXXX XXXX ), I have received no response. 

As a diligent consumer, I have made considerable effort to engage with your entity in resolving any outstanding matters. However, the absence of any acknowledgment or response on your part is concerning and does not align with the standards of professional conduct expected in such matters. 

In light of the aforementioned circumstances and in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically outlined in 15 USC 1692c ( c ), I must assert my right to refuse payment on the alleged debt. Furthermore, I request that any associated trade line related to this matter be promptly removed from my consumer report, along with any accompanying remarks, to ensure accuracy and fairness in my consumer profile. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint of Consumer Rights Violation under the Family Educational Rights and Privacy Act ( FERPA ) and Relevant Federal Regulations Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Experian, XXXX and XXXX regarding the violation of my consumer rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 USC 1232g ( b ) which protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school., and other pertinent federal regulations. I believe my rights have been violated in the following ways : XXXX. Reporting of Charged Off Closed Account as Income : Experian, XXXX and XXXX has continued to report a charged-off closed account on my credit report. This account is considered income according to IRS publication [ Specify IRS Publication ]. Reporting income on a credit profile is illegal and a clear violation of FERPA. 
XXXX. Reporting Collections on Sold Accounts : Experian, XXXX and XXXX is reporting collections on accounts that have been sold to third-party companies with whom I have no contractual relationship. This is in direct violation of my consumer rights, as the original creditor has transferred the debt, and I should not be held responsible for a debt with which I have no agreement. 
XXXX. Reporting of Late Payments in Violation of 15 USC 1666B : Experian, XXXX and XXXX has also reported late payments on my credit profile, which is a violation of 15 USC 1666B. This law protects consumers from unfair credit reporting practices, and reporting late payments inaccurately damages my creditworthiness. 
XXXX. Failure to Provide Opt-Out Options : None of the financial institutions or credit reporting agencies, including [ Name of Credit Reporting Agency ] XXXX have provided me with my opt-out options as required by 15 U.S.C. 6802 and 12 CFR 1016.1. This omission has deprived me of my right to control the sharing of my personal information. 
I have taken the necessary steps to resolve these issues with Experian, XXXX and XXXX directly, but my efforts have been unsuccessful, and the violations persist. As a result, I kindly request the Consumer Financial Protection Bureau 's assistance in investigating and rectifying these violations of my consumer rights. 
I have attached relevant documentation supporting my claims, including copies of credit reports, correspondence with Experian, XXXX and XXXX and any other pertinent records. 
I understand that the Consumer Financial Protection Bureau is responsible for addressing and resolving consumer complaints related to violations of federal consumer protection laws, and I look forward to your prompt attention to this matter. 
Thank you for your assistance in addressing these violations of my consumer rights. Please do not hesitate to contact me if you require any additional information or documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with 3 credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX {$2100.00} ; XXXX XXXX Balance Owed : {$0.00} ; US DEPT EDXXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$570.00} ; XXXX XXXX XXXXXXXX BalanceOwed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XXXX Owed : {$870.00} ; ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, TN XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Mortgage

I requested numerous time to Navy Federal Credit Union for a modification, refinance or short sale of my home from XX/XX/XXXX through XX/XX/XXXX and believe deceptive debt- collection practices I lost my home and ruined my credit.
Product: Credit reporting

I filed a modification with XXXX bank and I was under the agreement and paying, The mortgage company reported on my credit report that foreclosure proceedings had started which was in correct. I sold my home XXXX XXXX during a normal sale and closing procedure and XXXX took 3 months to send release of Lien and also is still reporting that I was in foreclosure which is keeping me from purchasing a new home, the law states that you have to wait 3 years if a foreclosure took place in order to obtain another FHA loan, I need this updated and also the correct information reported, My modification took 18 months to complete and never was properly handled.
Product: Debt collection

I had a credit account with Paypal credit. I could not pay the balanced owed, so in XXXX of 2020, Paypal wrote off the debt as bad debt. A charge off. My credit score has gone down.The only way I can improve my credit is to give the past due bill to paypal, and not a debt collector.Paying a debt collector will not improve my credit and I will still owe Paypal. How can I owe XXXX XXXX collection agency any money when I did not incur the debt with them? How can I be sued when Paypal has written the debt off as bad debt? XXXX XXXX isn't listed anywhere on my credit report. I did not even know I was being sued until a summons appeared on my door. I never entered into an agreement with them.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( 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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The information I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following INACCURATE ADDRESSES. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

This is the pmt history : Principal Interest Fees Pmt Amt Balance Payment XX/XX/year> {$36.00} {$160.00} {$0.00} {$200.00} {$6000.00} Payment XX/XX/year> {$100.00} {$140.00} {$0.00} {$250.00} {$6000.00} Payment XX/XX/year> {$240.00} {$54.00} {$0.00} {$300.00} {$6100.00} After making payments above the amount due, instead of paying towards the principal, it was only added to the interest rate. I have made three payments on a loan that was for {$6200.00}. So fay I have paid {$700.00} towards the loan and the current payoff amount is {$6000.00}. 
SO out of the {$700.00} paid, only {$190.00} went toward the loan. When I called to ask about it, I was told, " that is how this company works, just pay the amount due. ''
Product: Credit reporting or other personal consumer reports

There have been several accounts on my credit report that Ive disputed over the past XXXX years that Equifax failed to investigate properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX credit Amount XXXX Open XX/XX/17
Product: Prepaid card

Rushcard : I lost my card on XXXX I was told a replacement card would be sent but could take XXXX business days to receive. On XXXX XXXX marked the 10th business day and I had not receievd the replacement. I attempted to call and with all of the issues occuring due to the system glitch I have yet to get a hold of anyone that could help me with the replacement of my card. At this point XXXX deposits of XXXX each are sitting on the card with inability to use as they told me the card was blocked. I did later not sure how or why was able to use my card via XXXX ( saved on my account ), but because I can not remember the card # and or XXXX digits on the back I 'm only limited to purchases on XXXX. The transfer option is not available ( a friend also has XXXX and was willing to help by giving me the funds after transferring to her ). I was able to addmyself as a payee and submitted a partial payment as a test to see if the payment would come. BUT this was only 2 days ago, and the scheduled time for arrival is 5 business days. We shall see if this option works in any way. Needless to say with {$1000.00} sitting on a card I ca n't acess has put me in a tight spot as my other cards are used for paying bills and in doing so am left scrambling to purchase other things. The service has been nothing but disspppointing, with NO ONE I have spoken to having no access to view my account, so they say, because many others have had the ability to check. There has been no effort to provide me with any updates other than those found on their site and it 's even more dissappointing that they are lying about being back up and running. I expect there be much more offered by the company than waiving of fees for a few months. That 's absolutely ridiculous to think that will resolve any issues they have caused for the thousands affected.
Product: Checking or savings account

I have filed three complaints on Suntrust closing my checking. They closed my checking illegally. I had refunds issued by companies to that account, including from XXXX. The bank has never sent me a check for it- they didnt deny the funds from the refund but have not sent to me. It's been 30+ days. The dates and amounts to my checking refunded from XXXX to the closed account by the bank- they never told me they were closing they just closed it, held funds, refused to give me money until there wasnt activity on account but never warned me to stop using it. Scam. But the refunds were never sent to me : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX among other various active disputes for fraudulent charges to my account on both business and checking accounts. Suntrust never followed up, never issued me a refund and kept the refunds that were indeed issued to me.
Product: Credit card

Our XXXX business account was accessed by someone unknown to us on XX/XX/23. At this point our permissions were removed from editing the credit card information or removing it from the account. The unknown, unauthorized user then used our stored credit card information to run advertisements directed to their businesses and websites. 
We reached out to XXXX  as soon as we discovered the issue - that same day that the unknown, unauthorized user gained access. 
When we reached out we were told that the charges would be flagged as fraud but that was the only way to dispute it through our credit card. 
We have previously done business with the merchant, XXXX, but in these cases the services were purchased by the unknown, unauthorized users, not us. We did previous business with the merchant but these charges that were accrued by the unknown users were in no way authorized by us. 
Our disputes with Barclay were not accepted because we previously did business with XXXX. 
We have had extensive conversations with the XXXX support team where they have acknowledged that our accounts were in fact accessed by someone unknown and they were using our credit card that was tied to the account. It took XXXX almost a month to remove the unknown, unauthorized users from the account and return our access.They confirmed that someone else was in our account using our credit card information to purchase services. 
We have been extremely proactive in trying to prevent further charges from day 1. We contacted the vendor first, then your team. We literally were stripped of any access to stop the charges from being made. 
We provided extensive documentation and acknowledgement from XXXX to Barclays showing that these were in fact unauthorized charges by unknown, unauthroized users. 
The dates these charges were incurred on our Barclays account were XXXX in the total amount of {$18000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.Experian has neither corrected nor removed disputed items despite the evidence I 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: Debt collection

I am being threatened with Administrative Wage Garnishment by Transworld Systems , INC. On behalf of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an alleged debt that is almost 7 years old. The Notice of Intent was sent to an address to which I have never been affiliated, and opened by other persons, not myself, constituting disclosing the fact that I allegedly owe a debt, the amount of the debt, to whom it is allegedly owed, who I am, and other personal information. 

The address to which the Notice of Intent was sent belongs to relatives, which is how I was notified of it's improper delivery. I only became aware of the Notice of Intent this XXXX XXXX XXXX XXXX when the letter was sent on the XXXX XXXX XXXX XXXX and my response was required by the XXXX XXXX XXXXXX/XX/2023. I was not afforded proper 30 days under applicable code to respond to the Notice of Intent. 

This is a blatant violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit card or prepaid card

Absolutely atrocious customer support for nearly TWO weeks that completely failed to resolve a transaction dispute with full proof and uploaded claim info. 

Bank of America continously closed my claim with generic responses. Yet, literally every person I talked to agreed it was a very easy closed cased, offered their sympathies, and made notes on my claim to ensure it was " properly handled ''. 

Either this is fixed and my claim is handled properly or I promptly shut down every one of my accounts. 

If I walk into a store and buy X and they hand / ship my Y that's entitled to a refund. Similarly, if I pay for something and the provided service by the company is extremely unprofessional and sexual harrasment that does as well. 

Your handling of this has been absolutely disgusting.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there are unauthorized inquries that I do not recognize reporting.
Product: Credit reporting or other personal consumer reports

Credit report deletion letter In accordance with the Fair Credit Reporting act the following listed creditors listed below 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 account without my written instructions. 


Name : XXXX XXXX XXXX Account # XXXX Balance updated : XX/XX/XXXX Amount : {$600.00} Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX XXXX XXXX XXXX Sold to XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX Account # XXXX Balance Updated XXXX XX/XX/XXXX Amount : {$0.00} Name : XXXX  - Purchased by another lender XXXX XXXX XXXX  Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00}
Product: Debt collection

I am a victim of identity theft and I sent my dispute to this company on XXXX.XXXX.18 attached with relevant documents for their verification but to my surprise these company is still reporting these fraudulent account. -- - this is not my account. I am not liable on this account. Delete this from my credit report.
Product: Debt collection

I received a call from a collection company called XXXX XXXX  XXXX in XXXX SC. They called my mom and told her I owed money and she had a warrant on her desk for me. My mom called me and told me to call this number because they had a warrant for my arrest. I called the lady said she was the district attorney and had a warrant on my desk for failure to pay, I think this was in XXXX, Ive paid over {$500.00} for 3 months up until now, I tried calling all of the numbers associated with this company and they never answer and there is no voicemail. Thats when I knew something was wrong. I cant get in contact with them because I cant afford this last payment. I looked up the address on the site XXXX and found that it was an apartment complex called XXXX  XXXX. Ive came out of pocket so much money thinking my loan was being taken cared of but it wasnt. I still owe so much and it should be paid with what I sent XXXX XXXX XXXX. They promised receipts, and I never received them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Uniform Commercial Code Article 9-210 I am requesting accounting of the alleged debt. 

This information has has violated my rights under the FCRA. This has caused mental stress, loss of opportunities, Credit loss to say the least. I am unable to purchase a home for my family. 

By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof, update my payment history, remove negative remarks and change to PAANL status ( Paid as Agreed, Never Late ).

I will be seeking { {$5000.00} } in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I contacted the company they refused to validate the debt, or remove the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX My Account have with them currently. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/2022 XX/XX/2022 Im still Current Member with Attnt, Internet and Phone Line.Attnt stated it should already be removed off of my account since I had already paid it since XX/XX/2022. So, I called and then try to dispute it with the credit companies nothing was removed.