23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I took out this loan assuming it was from a bank. I fell behind on payments and started to review the loan. The online statements which they dont send out, only show a balance and fees. No interest yet it looks like they are charging interest in excess of 200 % or more. I found out today that XXXX XXXX XXXX are not licensed to lend in my state. Net Credit has also stopped lending now in Washington XXXX. I also found out that company was downgraded by the FDIC in XX/XX/XXXX after they were found to make predatory loans and charge illegal rates in states they were not liscensed to lend in. Yet, they stated lending to me a loan in XX/XX/XXXX and made other small loans after that. The loans I took out with them totaled {$4500.00} over the course of 17 months. The fees alone in XXXX were {$2400.00}. I made {$4100.00} in payments during this time. My balance as of XX/XX/XXXX is {$3700.00}. In total {$370.00} went to principal in 17 months. This seems like a bank using predatory lending. My account is in collections. They call daily multiple times and they are reporting the account as delinquent on my credit report. The company should be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$5100.00} ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference.

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history.

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-XXXX XXXX XXXX Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 



XXXX. Right to Privacy ( Section XXXX of the FCRA, 15 U.S.C. XXXX ) In accordance with Section XXXX of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX 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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

West Texas Central Collect ; As I have not heard back from you in over 60 days regarding my notice of dispute dated XX/XX/year>, and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 usc 1692 ( e ) and 15 usc 1692 ( f ) in this alleged matter. 

What is your authorization of law for your collection of information? 

What is your authorization of law for your collection of this alleged debt? Please evidence your authorization to do business or operate in the state of Texas. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three primary credit-reporting agencies. You are Failure to respond within 15 days of receipt of this registered letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Credit Reporting Act. 

After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriff 's office in your county and I will begin the process of attaching property or funds to satisfy the judgment. 

This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Signature, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I looked at my credit report and noticed many accounts and other items that doesnt relate to anything I have done
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts being reported on my consumer report. I never gave consent to the furnishing of this information. I have attached the XXXX identity theft reports and dispute letter that was sent via post mail since XXXX. I demand this information be deleted immediately, it is well past the XXXX days given under the Fair Credit Reporting Act 15 USC 1681c-2.
Product: Debt collection

I have received an alleged " Collection Notice '' on XXXX/XXXX/2017. Debt is from XXXX c/o Credit Management LP. Allege due amount is {$200.00}. I have immediately contacted the XXXX ( my internet provider and the ONLY XXXX that I have brought service from ). Their security department told me that they do not own " XXXX '' and have not heard of this company before. They also verified that my account is still in good standing and there are no debts sold. I then Immediate contacted Credit Management LP with the phone number that provided on the allege " Collection Notice '' Which is XXXX. I have refused to provide my names and any of my personal information when I called. Instead, I gave them the reference number, client number and Creditor account number that they provided on the allege " Collection Notice '' and told them that I do not own such debt and please remove all my personal record from their records and do not contact me ever again regarding this fake fraud debt. If this fraud/scam continues, I will contact my lawyer and seek litigation against their company. First time I called them and said the above statement, they immediately hung up on me and the second time I called, I said a very similar statement, the lady on the phone said " Thank you '' and hung up on me again. I have kept a very close eye on my credit report. So if there are anything fraud is happening I will go above and beyond to seek legal actions to protect my rights and my properties. and to ensure there are no more victims falling for this scam.
Product: Debt collection

The collector contacted my brother in law today on XXXX/18 to try and collect my debt even though they have my phone number and address and i have confirmed it for them via telephone multiple times. I do not owe this debt and have tried to dispute it.
Product: Debt collection

I have a {$37.00} debt to a company called XXXX XXXX and is in collections by Credit Management? Or what ever it is. I have been trying to contact a XXXX XXXX in XXXX Mt. but phones have been disconnected and I have tried to find the name of the collection agency on the internet ... and???? What is going on? I have never used XXXX XXXX and do not know what services they even provide!!!! Some one please let me know ... It is only {$37.00} and I will pay it if I know what the bill is for!
Product: Checking or savings account

Wells Fargo bank has been notified that my account has been fraudulently charged and they refuse to resolve the situation. I have reached out to the fraudulent merchant, made a claim with wells fargo, made a police report due to the identity theft, Filed a complaint with the FTC, and will be obtaining a lawyer. Wells Fargo and XXXX XXXX are allowing people to be scammed and fraudulent purchases to be made and they are not holding these people accountable nor are they resolving the issue as far as the legal right to a chargeback.
Product: Student loan

After I graduated from college, I was unemployed for 8-10 months. During this time I would get a lot of harassing calls from Navient. They set my monthly payments to $ XXXX for my student loan payment. I was unemployed and there was no way I could pay that amount. So I called and called to get a better rate, during this time they sent me to a debt creditor. Now I am a college graduate with a credit score of 500 ( due to Navient student loan ) and unemployed. So this put me on hold from getting my Federal Clearance. Now I ca n't get this good job on the XXXX and I ca n't receive a Top Secret Clearance because of my poor credit score. 
Navient then sent me to a debt collector called ( XXXX ). XXXX was the worst headache of my life. They first tell me, I ca n't become current in payments until I make ( 9 ) consecutive payments/months. So this means my credit will be awful for at least a year. So I begin to make the payments, now my total loan amount is creeping up daily. After the third payment, they stop collecting my money. I call daily trying to make a payment, they then tell me I have to start my program over because I missed payments ( payments they REFUSE to take out of my account ). 
So then I consolidate my loans, so no more XXXX. So I become current in my ( {$83000.00} loan ). Mind you my school fees were $ XXXX, so I have no idea why I am paying {$83000.00} and this is not including my Masters Loan. So I am trying to set up a payment plan Navient. The payment they tell me is $ XXXX, so we come to an agreement to pay {$230.00} after I sent them my monthly bills and income. Now I am still unable to acquire a Top secret clearance, my loan is increasing Daily, and now they only take the money out for the first month. Then I check my statement again and they never continue to take the payment, so my credit score will never increase and this is just a big head ache. I just wanted to go to school and become successful, I never thought the result will mess my credit up so I can now never receive a Clearance, buy a house or a car.
Product: Credit card

Subject : Urgent : Credit Limit Reduction Impacting Rent Payment To whom it may concern, I hope this email finds you well. I am writing to express my concern and seek clarification regarding a recent adjustment to my credit limit. I observed that on XX/XX/year>, my credit limit was reduced from {$5900.00} to {$4600.00}. This adjustment is perplexing to me, especially considering that I had just made a payment of {$1900.00} on XX/XX/year>. I assumed that this payment would contribute towards maintaining or even increasing my credit limit, given my consistent effort to manage my credit responsibly and the fact I pay my monthly rent every month. 
What adds to my concern is that the reduction nearly negated the effect of the {$1900.00} payment, which I had planned to utilize for my upcoming rent payment due on XX/XX/year>. As you can see from my monthly statements, I regularly use my credit card to pay my rent. This reduction in my credit limit has now jeopardized my ability to fulfill this obligation as planned. 
Additionally, I would like to inquire if there is any possibility of reconsideration or an expedited review of my account, considering the upcoming rent payment deadline. 

I reached out to the credit card company today XX/XX/year> @ XXXX @ XXXX by phone and they informed me that a letter would come by mail regarding their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves a collection dispute. I have never heard of this company that have listed an item on my report for collection. I do not have an account with them and have never had an account with them. 
i disputed this item on Experian credit report. They could not provide info on the validity of this collection account, how ever they reported it as accurate without any difinitive proof. 
they merely rubber stamp what the collection company said without investigation an proof. 
I demand strict proof!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had originally had a medical/health debt to XXXX XXXX XXXX, that debt was sent to Bull City Financial who I paid, who then took my debt to XXXX XXXX XXXX, so not only did I pay Bull City Financial, but the amount I paid XXXX XXXX was inaccurate. Bullcity shows I do not owe them but I owe XXXX XXXX, but won't fix my credit report. I sent a dispute to XXXX and showed them more than enough proof. They ignored my attachments and said I still owe Bull City.
Product: Checking or savings account

XX/XX/XXXX I am sent an email to show proof of my wealth, same day I wrote back explaining my business and asking for specific documents required while submiting an earning statement, and uploading my personal bank statements, documents rejected. XX/XX/XXXX I submit my tax returns and was told it would be reviewed manually, XX/XX/XXXX documents rejected. XX/XX/XXXX wise asks for more proof, I uploaded my earning for the past 3 months, now paused all incoming deposits, and all documents rejected. After I finally submitted the right document on XX/XX/XXXX, those documents were accepted I was told the relevant team will need XXXX business day to review the documents. Since XX/XX/XXXX I have been calling wise multiple times a day, the customer service are from 3rd world countries, barely any english and they all read a script. There are no supervisors, I have talked to 2 by some miracle and was hung up by one of them. Customer service has no power at all to do anything once so ever on my account. Since XX/XX/XXXX I have had thousands of dollars held by wise, no proper communication, my account was deactivated with money in it. Here is the best part, in order for me to recieve my money i was told the relevant team must review my case first...... so I basically got robbed. This has caused extreme ramafications, I am currently behind on payroll, invoices, credit cards, and I have no personal money as it was all invested in my business account with wise. I can show proof for everything I have stated here, not one single lie told. This is affecting my way of life, I am relying heavily on your support! 

XXXX XXXX Thank You XXXX XXXX
Product: Credit card

RE XXXX XXXX CITIBANK CARD : XXXX : RE MY XXXX XXXX CARD, activated as of XXXX : Ca n't login - no such card info. ( Set up wXXXX XXXX via phone ; all I have to do is login XXXX and link accounts if I want them linked ) .Could n't login - message said no such card information on file by XXXX. Called XXXX XXXX card XXXX XXXX & was disconnected 3xs. 
Tried to login to my XXXX XXXX - said information provided does n't match XXXX info ; received a message I tried to login too many times, have to wait at least XXXX hours to try to login again. Called XXXX ( my regular XXXX number, waited 10 min ; tried to talk XXXX XXXX XXXX who was next to impossible to understand. He said he could n't help me - call back in XXXX5 hours because they were " updating all accounts. '' Told me to call XXXX for help with my CitiCard login problems! ABSURD. NOT AS ADVERTISED. INADEQUATE ASSISTANCE. Need to use this XXXX XXXX card that replaced XXXX XXXX XXXX for bill pay and to buy truck gas.
Product: Checking or savings account

Robinhood has frozen my account for over a month, restricted me from XXXX withdrawal or transactions and no Custumer service is available to take care of it
Product: Checking or savings account

When I open my account there was no fee but then they started charging me {$10.00} if money not getting deposited into my account over {$500.00}, but I end up transferring {$500.00} in the account and I'm still charged {$10.00} a month.
Product: Student loan

When trying to refinance my student loan with the aim of achieving a more manageable monthly payment, Navient re-fi quoted a rate of 7.55 % as a " lure '' to proceed with an application, only for the end result of my application being a rate of 9 % ... During the eligibility process we gave them correct data, but this seems to be pure misleading of consumers to get them to file an application and hope they will just accept it. Navient has been in this business for quite a bit and they should have better financial models/ to provide a more accurate interest percentage in advance of going through the actual application and a hard credit pull. We spoke to XXXX, XXXX on XX/XX/2023.
Product: Credit card or prepaid card

I had a credit card with Bank of America. In XX/XX/XXXX I paid the remaining balance of XXXX. I just recived a bill from Bank of America for XXXX with a threat of a XXXX late fee at 29.99 % interest on a XXXX balance shown on the bill I have recived. So in short Bank of America is fraudulently charging me XXXX on a XXXX XXXX balance? 

My full name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX # XXXX Confermation number XXXX CP # : ( XXXX ) XXXX
Product: Checking or savings account

Capital One decided to close my checking account in XXXX, but I still have not received the funds in the account, nor any updates, and they have locked my phone number from using XXXX on another bank account.
Product: Credit reporting

I am a XXXX veteran who has been the victim of ID theft numerous times. I have sent Equifax several valid police reports asking them to remove and or block fraud accounts on my Equifax credit report. they will not do anything to address this issue. I am in the process of filing a lawsuit against them for failure to comply with the law. I wish this matter to be resolved prior to having to go this route. Equifax also will not update my credit file to reflect the correct information that should be reporting. The following accounts are still listed and are fraud and need to be removed ASAP. 
XXXX
Product: Student loan

In 2017, i was contacted about refinancing my loans to get one payment with a lower interest rate through a company called XXXX. They were a third party company that does everything to get your loan transferred to a different company. That company was XXXX. Not only did they lie about where {$100.00} a month was going ( should have been going to my student loan ) they were putting that in their pocket. When i wrote in a letter to cancel my subscription the mail got forwarded back to me and when i called the number no longer existed. My XXXX  payments were $ XXXX  monthly for a year. When it was time for a new recert of my IDR and many hours of talking to XXXX on the phone it turns out that the XXXX people told them that i was single with XXXX dependents. Which is not true. Im married with XXXX  dependents. XXXX  didnt want to deal with it anymore and transferred all my loans over to FedLoan Servicing. FedLoan is now trying to charge me $ XXXX/month. Which i can not afford, when before i consolidated i was only paying around ~200 using XXXX XXXX and XXXX  before the consolidation. The whole system is extremely XXXX up.