23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been paying on this loan since XX/XX/2011 my loan went from XXXX to now XXXX they not applying any of my payments to the principal, I've had some late fee and deferments, but I have paid over XXXX on this loan and they find a way to add it to my principal, I talked to them about it and they told me something about capitalize interest, that I don't understand, I can pay XXXX a month for the next 10 yrs and still be @ the same balance I don't think it's right, my balance would be lower.
Product: Vehicle loan or lease

Dealer was very pushy and refused to let me read the contract on his computer screen. After signing contract with dealer consumer contract was transferred without my knowledge. I found out credit was extended through Ally Financial. I made the first payment online using my debt card before due date. I then submitted a negotiable instrument transferring my interest in note to Ally to apply interest to the principal. Ally received payment instrument and instructions for the trustee and did not comply with the RICO Act, TILA, CFPA, or the UNIFORM COMMERCIAL CODE. Ally did not present the instrument and did.not have a qualified third party dishonor the instrument in writing nor did they allow me an opportunity to Cure the Dishonor Ally placed my account in fraud status and has refused to allow me to make payments as I had made first one. This was not in the original contract and I as Beneficial Owner have not agreed to any such changes. Again a violation of Regulation Z and the RICO Act. I requested a Billing Dispute but have not been offered remedy by Ally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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, credit repair services, or other personal consumer reports

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


Account name : XXXX Account NumberXXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX  XXXX Account XXXXXXXX  Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

- In accordance with the fair credit reporting act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account XXXX 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 if of information, Other than the record of conviction of crimes which antedates the report by more than 7 years - 15 U.S.C 1681-2 ( A ) ( 1 ) A person shal not furnish any information relating to consumer to any consumer reporting agency if the knows or has reasonable cause to believe that information is in accurate XXXX Trans Union and XXXX Call 3 reporting agencies falsely reported on my credit report they reported an an accurate balance on a repossessed vehicle not including the price that they auctioned off the vehicle for resulting in my credit report showing false numbers my debt owed I have proof from the lender that the balance is in accurate on my credit report which I will include in my complaint On the XXXX XXXX letterhead page it clearly shows my remaining balance is XXXX meanwhile all three credit bureaus are reporting my current balance as XXXX Also this account name is in proper this account name should be listed as a credit sales agreement due to the fact that the dealership did not give me a loan directly they sold it then the highest bidder approve me of the loan Also the original balance is clearly XXXX When all three credit bureaus or falsely reporting it as XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to access credit report through Equifax. After navigating their automated phone system to finally talk with an agent, I was asked to give pieces of information to verify my identity. After giving all the correct information I was then disconnected saying my identity could not be verified, leading me to believe there are serious issues on my credit report including possible identity theft. Of course, there's no way for me to access and check because I am locked out giving my complete and accurate information.
Product: Credit reporting or other personal consumer reports

I am so beyond frustrated, I have been trying to address the errors and solve this problem with your agency and corporations and debt collectors and have continuously been ignored. I am now having to escalate things, because I am not being treated fairly and my complaints continue to be disregarded. I am needing to escalate things to a legal complaint, because these errors are invalid and unverified yet continue to stay on my report without knowledge of accuracy or my permission.
Product: Checking or savings account

I was a victim of fraud/theft and they stole {$2000.00} from my debit card, some transactions utilized my Pin and some didnt. I reported the fraud to my Chase Bank branch in person the very next day. Chase refuses to return the funds. I have been waiting for over 20 days and nothing. I am now in the negative on my account by {$740.00}. I have never been treated with less care at a financial institution ; ever.
Product: Debt collection

Exeter Finance LLC has sold my information to a debt collector without my permission. Exeter finance is still attempting to collect the debt from me along with the debt collector it sold the debt to, XXXX XXXX. Both are being reported with the credit bureaus. Exeter has written off the debt and has failed to provide me with the 1099-C. The debt has exceeded the statutory of limitations of over 7 years. This goes against the Fair Reporting Act and is a violation of my consumer rights and should be removed immediately from all three credit bureaus reporting, due to improper and inaccurate reporting information.
Product: Student loan

My credit report shows a ffel consolidated loan..done online XX/XX/XXXX..student database shows it. But I did not initiate this..my original loan done back in XX/XX/XXXX..and made 4.5 years of payments..does not show up..on student database ..nor does any of my payment history..this has been very frustrating ... and wrecked my credit including IRS deferment of 2 years refunds..

I am trying to discover the actual lender..student database shows Chase..Chase said it purchased loan from you ... I need the computer location address..and any other information from original application..
Product: Credit reporting or other personal consumer reports

-To whom this may concern : I recently went over my credit report after receiving a credit alert that made me realize I need to look at my credit. After doing so I noticed several issues that I am not aware of. I listed the accounts below that were opened fraudulently and ask that you please help me remove them. 

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 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: Mortgage

In XX/XX/XXXX, I purchased a {$25000.00} lifetime license from XXXX, a company promoting an advanced voice conversational AI platform. This license included full platform functionality, an outbound sales dialer, a database of XXXX exclusive leads, and white-glove support, along with a 100 % satisfaction guarantee contingent upon meeting specific engagement metrics. 

Problems Encountered : Platform Instability : Shortly after the purchase, the platform exhibited significant issues, such as dropped calls, unresponsive voice agents, and unreliable AI responses. 

Misrepresented Capabilities : The AI was advertised as having real-time internet access ; however, it operated with a six-month data lag, rendering it ineffective for current information retrieval. 

Feature Withdrawal : The promised outbound sales dialer was discontinued without prior notice or explanation. 

Undelivered Leads : Despite assurances, the XXXX exclusive leads were never provided. 

Lack of Support : The dedicated support channels became inactive, and company representatives ceased communication. 

Refund Request and Company Response : After fulfilling the engagement requirements, I requested a refund based on the satisfaction guarantee. The company deferred action, citing an upcoming " XXXX XXXX '' release, which never materialized. Subsequent attempts to contact the company were unsuccessful, leaving the issue unresolved. 

Interaction with Synovus Bank : Initial Contact : In XX/XX/XXXX, I approached Synovus Bank, which financed the purchase through a Home Equity Line of Credit ( HELOC ), to dispute the transaction, citing fraud and breach of contract. 

Bank 's Response : Bank representatives informed me that disputes beyond a 60-day window were ineligible, referencing Regulation E, which pertains to electronic fund transfers.

Appeal : I highlighted that the Truth in Lending Act ( TILA ) Section 1666 ( 15 U.S.C. 1666 ) requires creditors to address billing errors, including undelivered services, even beyond 60 days when fraud is involved. Despite presenting this information, the bank maintained its denial. 

Current Status : As of XX/XX/XXXX, I have not received an official denial letter from Synovus Bank. After multiple communications and an appeal, the bank has verbally denied my dispute without providing a detailed written explanation. 

Desired Resolution : I seek the CFPB 's assistance in : Compelling Synovus Bank to conduct a thorough investigation into my dispute, in compliance with TILA requirements. 

Facilitating a resolution that includes a refund of the disputed amount due to XXXX 's fraudulent practices and breach of contract. 

By providing this detailed account, I aim to illustrate the challenges faced and the necessity for regulatory intervention to resolve this matter.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing to file a complaint against Fair Collections & Outsourcing ( FCO ) concerning a collection account reported on my credit report without prior notice or validation and failure to respond to a letter verifying payment to the original creditor. 

On XX/XX/XXXX, I was alerted by my credit monitoring service of a new account in collections on my credit report and that my credit score dropped XXXX points. This was the first time I received any information about this alleged debt. According to the report, FCO claimed that I owed an amount to my former landlord. 

Immediately upon receiving this notice, I requested a debt verification letter from FCO to substantiate their claim. They provided a statement of accounts dated XX/XX/XXXX, with itemized expenses and an alleged amount due. However, I had previously settled this amount due in XX/XX/XXXX. Furthermore, I contacted my former landlord to verify the status of my account and was informed that I had no outstanding balances with them. 

To resolve the matter and clear my credit report, I sent a certified mail to FCO, providing evidence and a receipt that the amount had already been paid to the original creditor. This communication was sent well over 45 days ago, and I have yet to receive any acknowledgment or response from FCO. Despite the lack of communication from their end, the collection account continues to be updated monthly by FCO to the three major credit reporting agencies.

This reporting and handling of the alleged debt by FCO has not only been incorrect but has also adversely affected my credit score and financial standing without justification. I have been declined a housing opportunity because of this erroneous data. The lack of response to my attempts at communication and resolution is also concerning and goes against the standards of fair and transparent debt collection practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX | XXXX : XX/XX/year> I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against : XXXX, EQUIFAX, XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 3 credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened below.

Account Number Amount Number Status These accounts have resulted in several fraudulent hard inquiries, fraudulent collections, and late payments appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that All credit reporting agencies block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( 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
Product: Credit reporting or other personal consumer reports

In the FCRA 15 USC 1681 section 602a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Experian, and XXXX are consumer reporting agencies, I am the consumer. It is my right to make sure my nonpublic personal information isnt share which is backed by 15 USC 6801. It states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers Nonpublic personal information. XXXX and XXXX XXXX XXXX XXXX are financial institutions by definition under that title. According to 15 USC 1681 section 604a section 2, In general any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to which it relates. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and definitely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, XXXX XXXX XXXX XXXX, and XXXX, whether it be verbal/nonverbal, written, or implied is revoked. According to 15 USC 6802 ( b ) ( c ) A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise the non disclosure option. XXXX and XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. XXXX USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. These accounts are adverse items they are reporting without my consent which is unlawful. 15 USC 1681 ( s ) ( 2 ) ( A ) ( 1 ) ( A ) states 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. According to 15 USC 1681 ( e ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. 20 USC 1232 ( g ) ( b ) protects the privacy of students education records and prohibits information such as financial records from being disclosed without written consent of the consumer. 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time. I am opting out of your reporting services
Product: Student loan

To Whom It May Concern, I filed a XXXX Complaint after having trouble with obtaining some information about private student loans listed on my credit report dating back to XX/XX/XXXX. I requested copies of the original promissory notes and full payment history for all accounts involved. I received applications and no payment history. 

In my complaint, I mentioned there are duplicates listed on my credit report. Where XXXX claims there are XXXX loans, there are XXXX-XXXX listed. She stated maybe XXXX XXXX ( the loan servicer ) listed them also, but they are under no obligation to remove them. 

I also mentioned that due to the age of the alleged loans, they would have been removed ages ago due the 7 year requirement. My last date attended for Ohio State was in XX/XX/XXXX and any student loan I had, went into repayment in XX/XX/2006. Since no payments were made ( to any of my loans ) they would have all been defaulted by XXXX after 270 days of non-payment. 

These loans were taken out ( starting in XX/XX/XXXX ) XXXX years ago it is unethical to have it knowingly duplicated ... AND listed as a current debt. Please research into this as I am securing an attorney to help with the intentional and blatant violation of the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, 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
Product: Credit reporting or other personal consumer reports

All three credit bureau have several collection reporting they were once removed now added back on XXXX XXXX XXXX XXXX funding collection credit bureau is update report stating verified with no proof of validation sent to that I requested its been more than 30 days I been asking for validation I been a victim of three data breach recently from XXXX XXXX, XXXX XXXX, and XXXX I want proof my identity was stolen and I have no sign agreement with these collection agency
Product: Credit reporting or other personal consumer reports

There are some corrections needed on my information in my credit report
Product: Credit card or prepaid card

shop your way credit card-Citi bank has serious problems : 1. charge too much interest during Covid-19 time,2 rude account manager During Covid-19 time, I tried to pay off my most credit card bills after getting government relief help. After I made several payments, I find that I paid the same much high interest as before. I called the customer service and even talked with the account manager. He, the account manager is crazy. He told me that whatever Covid virus, He is not going to care about any virus, or he is not going to fix the wrong interest problem on my account. The wrong interest accounting for related balance occurred about at least 3 times. I told him that after I made payments, my interest should be charged less. He is not going to fix that ridiculous interest. I really made the payments towards balance. He yelled me the same way with people who did not make payments. The interest is super high and not correct which keeps posting on my account. My balance is only {$1600.00}, however they made me pay {$50.00} for the balance of {$2400.00}. Wrong interest happened at least 3 times!!!