23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I refinanced with lend key last month and received their best advertised rate at the time. Today i received a prescreened advertisement via us mail advertising a " pre-approved '' rate as low as 0.00 %. 
Upon proceeding to their website and entering in the my information, i was quoted a rate no where near the advertised rate. 
Seeing that i qualified for their best rate advertised last month, I am highly doubtful that the advertised rate of 0.00 % is actually being offered to anybody. 
I think this is a bait and switch tactic and misleading advertising practices.
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. 
Court : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED 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
Product: Debt collection

Lowe 's ( Synchrony is the what comes up on the caller ID ) has called at least daily since we were just 4 days late with our payment. They call during the day but also between XXXX at night! We have a young family and this is incredibly disruptive. We are aware we are late with this payment and I told them we would pay as soon as my paycheck is in, which is this week, but they have not stopped. We have now had the phone off the hook for the past few days because it 's gotten so bad!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with FORD MOTOR CREDIT. I have always made my payments on time. For some reason, I realized that there were XXXX days late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of XXXX days late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid.
Product: Credit reporting or other personal consumer reports

This is in direct response to the ineffectiveness of the Investigation of the credit reporting agencies. My name is XXXX XXXX XXXX and this is not a third party. At this moment I would have to demand all attached accounts be removed immediately. I have given them well over 60 days to investigate this matter and they have not done an accurate investigation. I have attached all those accounts in question with proof. 
Please review.
Product: Checking or savings account

On XX/XX/2023 my taxes were electronically deposited. {$43000.00} I went to send a wire transfer to a friend of the family who is also our tax agent for my mother of {$16000.00} to her personal bank. The teller XXXX at US Bank XXXX XXXX XXXX asked what was the money for and an explanation for the tax refund while asking personal questions about myself in a casual conversation. He marked down that my refund was a payment from my publishers by accident. The misinformation got the account closed. I tired on numerous occasions to resolve it, was even told by an agent I was being investigated by the IRS, until ultimately decided to wait until after tax season to contact IRS. They responded in XXXX stated they didnt know why US bank was withholding the funds. I emailed that to a bank branch XXXX and she requested more information from the prevention department. After ignoring me for 2 months, I speak with XXXX at the XXXX XXXX location and she explains that they will not return it and to call the IRS to get them to request a return. I asked for documentation she refused, told me to stop calling and hung up in my face. I just want my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 hard inquiries on my Equifax credit report called XXXX/XXXX. I never had a relation with this lender and don't have any accounts with them. I submitted a dispute with Equifax in order to have them investigate the information based on the fact that it doesn't belong to me but Equifax refused to do their job and basically cancelled my dispute. My dispute number is XXXX and I filed my dispute on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

To whom it May concern I hope this letter finds you well. I am writing to kindly request your consideration regarding a 30-Day late payment recorded on my account. I acknowledge and deeply regret this incident and wish to address it proactively. As a loyal and committed customer of XXXX XXXX, I would like to highlight my exemplary track record of timely payments in the past. This late payment in was an isolate event and does not reflect my financial commitment. I sincerely apologize for any inconvenience it may have caused. I eamestly request your kindness and consideration to remove those late payments from my payment history. I greatly appreciate your understanding and support in this matter.

I provide below the details of my account for your reference : Account Number : XXXX As an additional measure. I commit to setting reminders and preventive measures to avoid similar situations in the future. I am deeply committed to maintaining a trusted relationship with XXXX XXXX and take responsibility for ensuring my payments are made in a timely manner. 
I sincerely appreciate your attention and consideration toward my request. I look forward to a favorable resolution and continuing to enjoy the services and benefits that XXXX XXXX provides to its valued customers. 
Thank you. 
Sincerely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across thislaw today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/blockany items not later than 4 business days. Ive already included this in my previous complaint & I am including itagain., XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Remove both accounts from my credit report as they have been involved in a data breach
Product: Debt collection

Wells Fargo Debt Settlement amount {$7100.00} Auto paid Full XXXX Amount received {$1400.00} ; Wells Fargo assigned to assigned to Bankruptcy that was filed XXXX, which was allocated to me by bankruptcy court stated it did not apply to XXXX debt Requested information on amount disbursement was told by customer service of CPI settlement Auto was repossessed, clarified with Wells Auto Finance information was incorrect. 
Requested inquiry, still waiting on response 6 months date no response Wells Fargo XXXX insurance cost me $ 4000out of pocket in XXXX due to incorrect VIN number of my vehicle. I thought for a moment they tried to do the right thing but that was short lived with this process again
Product: Credit card

[ Rod ] [ XXXX XXXX XXXX ] [ XXXX, TN, XXXX ] [ XXXX ] [ XXXX [ XX/XX/year> ] Subject : Formal Complaint Regarding Debt XXXX Violating Consumer Protection Laws Dear XXXX, I am writing to file a formal complaint against several debt collectors who are violating my rights as a consumer under both federal and state laws, as well as specific provisions of the Uniform Commercial Code ( UCC ). These violations include unlawful practices that are not in compliance with consumer protection laws. 
The specific issues I have encountered include : 1. Unauthorized Withdrawals/Collections : Debt collectors have attempted to withdraw funds from my account without my consent, which is a violation of UCC 4-403 . This section states that a bank must honor a stop-payment order from the account holder, and any withdrawal without my authorization constitutes a breach of t
his provision.

2. Failure to Provide Proper Validation of Debt : According to UCC 3-501, the collector is required to provide proper presentment of the debt and the original instrument that bears my signature. Despite my requests, the debt collectors have failed to provide any valid evidence or validation of the debt they are attempting to collect.

3. Misrepresentation and Deceptive Practices : The actions of these debt collectors also violate UCC 1-201 ( 19 ), In accordance with the Uniform Commercial Code ( UCC ), specifically UCC 3-501 and UCC 9-406, I hereby formally notify you that I do not consent to any further communication from you regarding this matter. Additionally, I dispute any claims of indebtedness and reserve all rights related to any alleged obligation to owe or pay you anything.

Please consider this letter as a definitive statement on the issue and cease all further communication and collection efforts immediately.

Despite my prior communications and attempts to resolve this issue amicably, I have yet to receive a satisfactory resolution. Specifically, I request the following fair actions be taken : 1. Refund of Any Overpayments : I seek a full refund of any amounts I have overpaid or incorrectly paid to your agency. I request a detailed accounting of all payments made and the corresponding amounts due, as well as an explanation of any discrepancies.

2. Correction of Credit Records : Any negative impact on my credit report resulting from this dispute should be corrected to accurately reflect my current standing and to remove any unjust marks.

3. Cease Further Collection Activities : I request that all collection activities and communications cease immediately, as this matter should be resolved in accordance with the fair and accurate handling of my account.

I expect a written response within [ reasonable timeframe, e.g., 15 days ] detailing the actions you will take to address these concerns and rectify the situation. If these issues are not resolved to my satisfaction, I will consider further steps, including contacting relevant regulatory bodies or seeking legal recourse.

Thank you for your prompt attention to this matter.

Sincerely, [ Rod ]
Product: Student loan

I consolidated my loans, they put loans in there that I did not want consolidated. They are very deceitful, dishonest and convince you to forbear because the monthly payments are so high that it is not possible to be a single, working, educated woman starting your career. It is completely disgraceful and not only is it hurting the United States Economy, by not allowing the millennials to be able to buy a house, but to continue to be indebted forever to loans. It is nearly impossible to be able to survive with student loan debt. It is stressful to have to owe {$250000.00} + and know that you are going to have to be paying for the rest of your life and then having a company be deceitful, raise interest rates, make it seem like consolidating or forbearing is a good idea. They take advantage of the American consumer who is not nearly as educated and knowledgeable about student loans. 
Furthermore, I recently had an issue where my father sent payments in to the loans that he is a co-signer on and they stated that they did not receive one of the payments, which was sent out the same day as the other one. Then they tried to blame it on the holiday, which was two weeks prior. I lived in XXXX and know how long it takes for a payment to get from XXXX to the XXXX ( XXXX ). Also, they called me every day multiple times and said it was going to affect my credit. I had to explain the runaround to every person and when some lady with half a brain finally found out what happened to the payment, it was misapplied. Misapplied? How many times have my payments gone into space or been misapplied? Makes you wonder who we are sending hundreds of thousands of dollars to. They are crooks and should be shut down by the United States government. My loans for XXXX were probably around {$25000.00} and my parents have already paid in access of this. They have requested multiple times for a payment book, a paper trail so we can verify what is getting paid every month and they refuse. There have been numerous times where payments have been applied to wrong accounts or went missing. I am a hard-working, newly-admitted attorney who should be able to save for my future and buy a house, but I am inundated by student loans with astronomical interest rates and continue to get XXXX by this provider.
Product: Debt collection

I XXXX XXXX am trying to avoid filing bankruptcy. Previously by writing to my creditors I explained my personal situation, where another person I trusted ran up my debts without my knowledge. I could have filed for bankruptcy earlier this year, but have decided to try another avenue. I seek settlements of the debt posted in this report for 20 % of the charged off amount with terms. Accordingly, I would appreciate a quick response as I will agree to settle these collection as they are accepted. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Dispute of Inaccurate Credit Information - Reference to Federal Laws and FCRA Violations Dear Consumer Financial Protection Bureau, I am writing to formally dispute the accuracy of certain information that appears on my credit report, as furnished by the credit reporting agencies. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and referencing federal laws that pertain to my credit information. I kindly request that the Consumer Financial Protection Bureau investigate, intervene, and delete all information that is not 100 % accurate per consumer law on my credit report as soon as possible. 

Additionally, I previously submitted complaints to the CFPB ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) requesting deletion of all inaccurate information and monetary compensation for each violation in accordance with the FCRA, other Federal Laws and regulations. 

The specific inaccuracies I am disputing pertain to the following charged-off accounts, which have been reported on my credit report : XXXX XXXX XXXX XXXX XXXX charged off XXXXXXXX XXXX XXXX XXXX XXXXXXXX charged off XXXXXXXX XXXX XXXX XXXX XXXXXXXX charged off ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX charged off ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX charged off XXXX. XXXX # XXXX charged off XXXXXXXX XXXX XXXX XXXX XXXX charged off XXXX. XXXX XXXX XXXX XXXXXXXX charged off XXXX. XXXX XXXX XXXX # XXXX charged off XXXX. XXXX XXXX XXXX XXXX charged off XXXX. XXXX XXXX # XXXX charged off I dispute the accuracy of these charged-off accounts, as well as the reporting of income information on my consumer report, which is in direct violation of my rights and has caused serious harm to me and my family. 
Furthermore, I am seeking monetary relief of {$1000.00} per violation for the following dating back to XX/XX/XXXX to present : 1. Defamation of Character.

2. Negligent Infliction of Emotional Distress.

3. Violations of 15 U.S.C 1666 ( b ).

4. Violations of 15 U.S.C 1681.

I kindly request that the Consumer Financial Protection Bureau intervene and ensure that the credit reporting agencies promptly investigate these matters and delete the inaccuracies on my credit report. Please provide guidance and assistance to ensure that my rights under the FCRA are protected and that I receive the monetary relief to which I am entitled. 

In accordance with the FCRA, I expect a thorough and timely investigation into these disputes, and I request that the Consumer Financial Protection Bureau work towards a resolution of these issues. Attached is my consumer report for you review. 

Thank you for your attention to this matter, and I look forward to your prompt response and assistance in resolving this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I previously got into fixing my credit on my own and I sent a debt validation to this debt collector, and they never reached out or contacted me in any way to show me any proof that this debt belongs to me.
Product: Mortgage

XX/XX/2015 Suntrust Bank in XXXX notified me that they had placed a new insurance policy on my home for something like {$16000.00} a year! I was shocked and scared. They said my insurance policy had expired. I knew this was not true and had to get with my insurance agent to work this out with them. My insurance agent documented to them my policy had been transferred but NOT cancelled. At no time did I not have insurance. Suntrust agreed and took the forced lender policy off my house. HOWEVER, last week I get a escow notice from them that my escrow is now increasing my monthly payment by {$1000.00} a month. I called them and was on hold for 30 minutes before talking to anyone. Once I did talk with Suntrust they said they had started an escrow on my account because of the forced lender insurance policy in the fall. After discussing this issue with them for 2 hours it is still not resolved. I have a no escrow loan with Suntrust in my documents. Suntrust has now put me in an escrow status because of a mistake they made XX/XX/2015. Also, I have NEVER been late on my Suntrust mortgage payment and have a credit score of XXXX. What Suntrust is doing is a systematic issue at their company and putting their customers in a bad situation. Can the CFPB help me with this?
Product: Debt collection

This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT OR INQUIRIES or none of that. I XXXX XXXX yes the real deal XXXX XXXX, not anybody else but me XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to at all. I am a victim of identity theft and I believe my information is being used by very very bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is damaging and is hurting my ability to purchase a home for me and my baby girl. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my daughter a house one day. please resolve this matter quickly and I mean very quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.

15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed and yes this is real me XXXX XXXX, I did not have anybody else involved when I prepared this letter so that means no unauthorized person has typed this for me. IT WAS SOLELY ME XXXX XXXX who is sending you this so no stall tactics please or I will use it in my litigation case.
Product: Student loan

In took 1 quarter at XXXX XXXX. In that quarter I had a subsidized loan for {$1000.00} and an unsubsidized for {$1300.00}. 
In 2018 my wages were garnished to repay XXXX XXXX. I've spoke with them and they agree my debt is 100 % paid. 
Also in 2018 my federal tax refund was offset by XXXX Department of Education for {$2300.00}. This account is XXXX years old, over those 11 years I have also made monthly payments. I'm not 100 % certain of a total amount at this time. As my account keeps getting forwarded to new servicing agency 's. XXXX XXXX then XXXX XXXX and now Mohela. I've tried many times to resolve this issue with Mohela. I've call customer service, I've sent emails and documentation prove of my paid debts yet no one can assist me and I am still paying every month. 
According to Mohela I still owe {$920.00} for the subsidized and {$1200.00} for the unsubsidized. 
U.S. Department of Education says I have a zero balance and need to contact mohela. They will not help. 
I do not know where to go from here. Who would have know a {$2400.00} loan would cost so much and take 11 years to repay. At this rate it will never be paid.
Product: Credit reporting

I have placed a fraud freeze on my credit reports. Recently, I attempted to get a new credit card. The freeze worked exactly the way it should ; XXXX sent me a letter saying they needed a pin, or for me to release the freeze to continue. 

The problem is with Equifax. Through their website, they asked for indentification from me, but did NOT request the pin I have recorded from them. Immediately after, they refused all further contact by phone or internet : " We 're sorry ... we can not process your online request concerning an Equifax security freeze. To assist us in processing your request please submit in writing the required items outlined below. '' I am not comfortable with sending information that is already sensitive in the clear, and especially when it includes the PIN that is the master key to my credit report with XXXX. 

But I have no other option.