23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attended school at The XXXX XXXX of XXXX from late summer of XXXX until summer of XXXX. During that time I accrued over {$40000.00} in debt to attend one year of school. The application process through XXXX XXXX was ambiguous and non-informative. The only times of urgency for the loan were when it seemed like the deal was going to fall through. I was never explained the terms of the loan or how it could possibly effect my future, even with a cosigner. I was merely given a very large financial document to read. Being XXXX years old at the time, I feel as though some sort of council or assistance should have been given. Some aspect of coaching. I was instead urged on by the school financial officer to do whatever I could to get the loan. 

Fast forward to post year of school and there was absolutely no assistance in repayment. The only offer I was given was forbearance on the loan. I was never explained to that the interest would keep accruing, or if I was, it was quick and almost a side note so that I would n't catch it. The calling center was always outsourced to XXXX, I was rarely ever connected to a person that could fully understand me. I took advantage of my full 72 months of forbearance and then had to start paying things off. Again I was greeted with misinformation and no assistance on repayment. No IDR plan offerings, no refinance or anything. I could make interest only payments is what was offered. And that is where it sits today, I can make interest only payments or pay the full amount, which is only maybe a {$60.00} difference. 

I feel I was lied to, blindsided, and taken advantage of just so some junky for-profit school and loan company could make tens of thousands of dollars off of my youthful unknowing. I am now unable to afford a house for my family, I had to go back to school in a different career in order to even attempt to try and have a normal life and rack up even more debt. I currently have no way out other than to pay the payment in full every month in order to keep my credit score from tanking and to also avoid the consistent calls and pestering. 

Quick to collect money, stuck in a tar pit when it comes to helping.
Product: Credit reporting or other personal consumer reports

I have student loan debt from attending XXXX school at XXXX  XXXX XXXX XXXX and XXXX University. I have been practicing as a XXXX XXXX XXXX XXXX since XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and due to my student loan debt of {$54000.00} being reported by XXXX to XXXX, XXXX, and Experian, I am not able to purchase a home or consolidate my debt because my debt to income ratio, is too high. My student loans are in good standing which should be a positive rating, deflected on my credit report ; however, it is not and as a result I am being discriminated, against when attempting to buy a home. I feel this is unjust, unfair treatment to receive especially when I am a care giver. I am an essential personnel within the XXXX XXXX I sacrifice my love for my job and have to rent an apartment in an urban community because of my student loan debt being reported as such.
Product: Credit reporting or other personal consumer reports

I believe my information may have been part of a data breach I have inquiries on my credit report that I dont recognize
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Information Services LLC. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in auto pay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 


Account Number : XXXX Account Number : XXXX Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishes correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles XXXX and XXXX ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. 

These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the XXXXXXXX XXXX requirements
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Summary of Accounts being challenged in list form : XXXX XXXX XXXX - Account Number:XXXX Please supply information on how you have verified this item. 

XXXX XXXX XXXX - Account Number:XXXX  Please remove inaccurate reported late payments and update to paid as agreed XXXX  XXXX - Account Number:XXXX  Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting!
Product: Credit card or prepaid card

Authorizing the CFPB to investigate how Consumer payments to XXXX/Synchrony Credit card accounts are being applied on customer accounts over a twelve month period.
Product: Debt collection

A Door to Door salesman came to our house via a new cable company we had heard of in our City. They made an offer for our Cable and Internet Service that would save us over {$100.00} per month. We went ahead with this plan and called our former cable company, XXXX XXXX, and they said to return all of their equipment to cancel our service with them. We did so on XX/XX/XXXX and we asked them if we owed anything on our account and were told they did not know but they would contact us if we did. We never received an e-mail nor any billing in the mail from them so we assumed we did not owe anything and forgot about it all. 

Then in the last week of XXXX we received a letter not from XXXX  XXXX but from a Debt Collection company, Credit Management LP, stating we owed {$160.00} to XXXX  XXXX. From this, we knew this would affect my husband 's credit report and we had never received a previous billing via mail or our e-mail prior to receiving the letter from the Debt Collection Company. 

Our son immediately got on the phone and called XXXX XXXX and asked them why this amount owed was sent to a collection agency when a ) we had never received a bill prior to this notice and b ) that the account was sent to a third party collection company in less than 2 months of our cancelling our service. 

The representative on the phone stated they had mailed two billings but we never received them and had been actively looking for any notification about an amount still owed. If we had known that this amount was due soon after we closed our account, we would have reviewed it and taken care of it but now it has been sent to collections and we both want to ensure this is not reflective on my husband 's credit report prior to our paying it and want to know why we were never notified of this debt before it was sent to a Third Party Collection. 

My son has suggested that this is in retaliation for our canceling our service and I am unsure if this is the reason but what I do know is if we had owed anything, then we should have received a billing in the mail and/or been contacted by XXXX XXXX before it was sent to collection and we also want to inquire as to why it was sent to collection in less than 60 days of our closing our account.
Product: Checking or savings account

I can not get some details from my bank, but on or around XX/XX/XXXX, someone ( not me ) opened 2 accounts in my name at BB & T ( now Truist ) Bank. I do not know what type of accounts these are, but I assume they are not credit accounts because they have not shown up on any credit bureau report. They may be checking or savings accounts. At some point, these 2 accounts went into default for amounts {$130.00} and {$180.00}. My business checking account ( which I legitimately opened more than 2 years ago ) was offset for the amount that was owed on these defaulted accounts, which is when I found out they existed. At no point was I made aware of these by BB & T, even though the address that was used to open the account was one of my previous addresses ( over 3 years ago ). I have filed a report with BB & T, but the resolution estimate is more than 4 weeks.
Product: Checking or savings account

I received a text message proportedly from CHIME asking if I made a purchase for {$400.00} using my CHIME card. I replied NO. I received another text stating that a CHIME representative would be in touch with me shortly. I then received a call from a private number ( area code XXXX ) and then a call from what appeard to be the CHIME customer service number. The individual stated that my card was being accessed in XXXX, Texas ( I live in XXXX, GA ) and there had been 3 attempts. The individual stated that my account would need to be closed and another account would be opened. This was the only way to stop this fraud. I was then asked to move the money in my account to the new account. When I did this, all my money was taken. The individual hung up. I immediatedly called CHIME and reported what had happened. They of course had no record of this. The opened a claim to investigate what happened and asked me to send screen shots of the texts and the call list. Before I could even send the screen shots I received an email that my claim was denied. I immediately called back and was told they would re-open the claim and I head hear from someone in the fraud departement. I do not believe this has happened. I have heard from NO ONE! I have contacted local law enforcement and have filed a police report. I really thought my money was protected with CHIME. I am not longer certain. This individual posing as a CHIME representative took over {$740.00} from me. I am very upset at the lack of concern from CHIME and the lack of investigating this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2017, I disputed information on my XXXX XXXX account. I guess since the company didn't respond Transunion deleted my account. Fast forward to this year the account with XXXX has bee paid and doesn't report to my Transunion report. 

So almost 5 years of perfect payment is completely gone. I've called Transunion and they said to tell the institution to reinsert the account. 

XXXX XXXX has tried to reinsert the account and has been contacting Transunion and they refuse to add the account. 

According to FCRA, They're supposed to report accurate information. The creditor has said they have tried and have failed because Transunion is refusing. 

This is now causing me issues because I can not take out along for XXXX, leaving me miserable on a daily basis. 

If Transunion continues to refuse to add account legal action may be taken. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$490.00}. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 

XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is CITY OF XXXX XXXX. 
I paid off this account but its still showing that I owe a balance. 

XXXX account from XXXX XXXX XXXX with account # XXXX and a balance of {$3500.00}. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX  XXXXXXXX XXXX XXXX  on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 


XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfacation with the continued inaccurate reporting by XXXX XXXXXXXX Account Number : XXXX on my credit report. Despite filing a detailed complaint regarding a inaccurate and inconsistencies, it persists in reflecting on my credit profile. This marks my third dispute concerning this matter, and I am deeply troubled by the lack of resolution. 

It is imperative to note that the inclusion of this account on my credit report is both misleading and detrimental to my financial standing. As such, I am formally requesting the escalation of this issue for thorough investigation and prompt resolution. Additionally I Insist on receiving verifiable documentation to substantiate any reported late payments associated with this account. 

I implore you to take immediate action to rectify this situation by either providing irrefutable evidence or expeditiously removing the inaccurate information from my report or removing the account as a whole from my credit report. I trust that you will uphold your duty to ensure the accuracy and integrity of consumer credit reports. 

Thank you for your attention to this matter. I anticipate your prompt response and resolution of this ongoing issue. 

Attached is my identification and a sworn affidavit to ensure my identity.
Product: Credit card

XX/XX/XXXX My card was hacked and several TVs were bought. I reported the incident around XX/XX/XXXX. I had paid a {$1500.00} payment in to my card, and after the charges were reversed there was a credit balance of over {$1000.00}. I submitted a request for refund of balance and it said a check would be mailed. I never received the check. I called and the first person I talked to said that the new card should have been sent but wasnt and she saw where the refund request was made but the check was not sent. I called twice more with basically the same answer. I finally received the new card a few days ago, but no check. 

Here is email conversation : XX/XX/XXXX XXXX XXXX XXXX Dear XXXX : Thank you for contacting First National Bank.Our records indicate that these issues were addressed with a phone representative on XX/XX/XXXX.If you need further assistance, please contact us at XXXX.Sincerely, XXXX XXXX.Customer Care Senior Specialist XX/XX/XXXX XXXX XXXX XXXX XXXX Hi , I spoke with someone last week about my new credit card that was coming because my other one was hacked. They told me to get ahold of someone if it had not arrived by today. Also, they said my refund check was being mailed out, and I have not recieved it yet either. 

Here is the last one : XXXX From : XXXX XXXX Sent : XX/XX/XXXX XXXX Ref No : XXXX Subject : Three attempts Concerning : XXXX Dear XXXX : Thank you for contacting First Bankcard. 

I see you have spoken with customer service in regards to this issue and this has been explained to you on XX/XX/XXXX. 

If you have more questions you will have to speak with our Fraud Department at XXXX. 

Sincerely, XXXX XXXX. 
Customer Care Senior Specialist XX/XX/XXXX XXXX XXXX XXXX XXXX I have called three times and sent messages twice trying to get the refund that I had coming to me from FNB credit card. My credit was hacked and my account was shut down and I was to be issued a new card back on XX/XX/XXXX. Every time I called I was told it was going to be taken care of only to call next time and find out it wasnt. The credit to my account has been removed from online, but still no refund check. The refund was for over XXXX dollars. I will have to contact XXXX if it isnt fixed. 

The last phone call I made was on XX/XX/XXXX and was told that The check had not been issued and that it was being reviewed or something by the fraud department. However, they have since removed the credit balance from my account?? 

I just want my refund that the statement showed as a credit. The account # XXXX and I do not have access to that account anymore so I cant download the last statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to reach out to the XXXX in regards to late payments that are showing on my credit report because I knew that I was in forbearance and the late payments should have never been reported. I was told there was nothing they could do for the information was correct stating that they reached out to me several times. I never received anything from XXXX in regards to me being out of forbearance. After searching through my emails, it was brought to my attention that my loans originated with XXXX XXXX and XXXX took them over fall of XXXX therefore my late pays from XXXX of XX/XX/XXXXdo not fall under XXXX they fall under XXXX XXXX and should be removed. How can XXXX Report to the credit bureaus late pays that were never really theirs? They are reporting false information. As of today I am current on all my student loans.
Product: Credit card or prepaid card

I currently work XXXX XXXX XXXX XXXX XXXX XXXX and they have available a prepaid debit card XXXX XXXX XXXXXXXX XXXX XXXX which is operated by Payfare. On XX/XX/XXXX my debit card was charged {$86.00} by a company called XXXX but this charge was not familiar to me and I had never heard of XXXX. I immediately contacted XXXX XXXX customer service to report my card lost/stolen and ordered a new card. I was instructed by customer service to attempt to resolve the charge dispute with the merchant ( XXXX ) first so I did call them and spoke to a rep for about 30 minutes and found out that not only was I charged {$86.00} on XX/XX/XXXX, but I was previously charged {$110.00} on XX/XX/XXXX but never noticed the fraudulent charge to my debit card. After speaking to the XXXX rep we found that the charges came from the payment of a smartphone ( XXXX ) and service payment for a family member that had previously visited my residence during that time period. So obviously this family member obtained my debit card information without my consent and used it to purchase the smartphone. What they did with it I don't know. But XXXX said that they could not refund my money and that I need to file a dispute with my card company. So I contacted XXXX XXXX again with a completed dispute form and screenshot of my call log to prove that I contacted XXXX. After submitting this information via email a representative sent a reply stating " your claim does not qualify for a refund as the transaction ( s ) does not fall within the Zero Liability Protections outlined in the cardholder agreement, which can be found in your app under Legal from the main menu of the XXXX mobile app. '' After reading XXXX that same part of the cardholder agreement, it clearly states that zero liability applies when someone transfers money from my account without my permission. They told me, Zero Liability coverage does not apply where you do not use reasonable care in protecting your card from loss or provide access to your card to another individual. Although the person responsible is a relative I used the same amount of protection that I would use in public. I don't leave my card out in the open, it's in my wallet inside my desk drawer that's located in my study where only I am allowed. I will include a screenshot of the cardholder agreement section that they are trying to twist around in their favor.