23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a former student of XXXX XXXX and XXXX was found guilty of fraud and misconduct by the United States Federal Government. My private loans are with XXXX, who recently released a School Misconduct Loan Forgiveness application. I filled out the application and spent hours providing as much detailed information and supporting documentation proving I attended a school that conducted in misconduct and was found guilty of misconduct. 30 days after submitting my application, my application for loan forgiveness was denied. My federal loans, which I had refinanced with another provider, were already forgiven and my private loans should also be forgiven. I am reaching out to you for assistance with obtaining a resolution, as I understand I am not the only one who has had their application denied. I have been stuck in Interest Only Repayment, as that is the lowest monthly payment I can afford. The interest rates keep fluctuating, so my payments have nearly doubled over the past 2-3 years, making it difficult to pay my other bills. I have had to lean on friends and family to help when I need it. This year I will have made nearly {$10000.00} in interest only payments, which is about XXXX - XXXX of the principal balance
Product: Debt collection

APPLE CARD/GS BANK USA ACCT XXXX XXXX DATE OPENED : XX/XX/XXXX {$2700.00}. This account has been written off/ charged off therefore i request that it be removed from my credit report immediately, i am no longer responsible for it. It has been written off on XXXX of XXXX in the amount of {$2700.00}. And i also have not received my 1099-C letter from this company.
Product: Student loan

I was given a deferment now they are going back on their word and requiring me to pay {$14000.00}. Ive already contacted the XXXX  about the school because they didnt provide me with the education that I was supposed to receive. Now they are being very predatory and deceiving with the loan. The school was XXXX XXXX based out of CA and I recommend nobody attend.
Product: Debt collection

I received a message from XXXX XXXX about a new account that has been added. It came from MOHELA it added on XXXX in XXXX  loans. I disputed this and will be contacting the company. I havent been to XXXX  in years. I dont who is in debt for XXXX but it is not me. This is very fraudulent activity. I would like for them to be held accountable and remove this off my credit! It says the account was opened XXXX XXXX I have no clue on why this has happened. I havent stated XXXX  or been to XXXX  in years!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my TransUnion credit report and noticed I have unauthorized inquires that I don't recognize. I submitted a dispute with TransUnion and received a response back and they haven't did any investigation into this matter. Per the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I have the right to challenge questionable information that I have found on my personal credit report. Also in my letter i sent to TransUnion I told them that I was invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information from the investigation of the inquires stated below : 1. The date you contacted the creditor 2. The contact information for the creditor XXXX. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth? 
I have not received any of these items requested from TransUnion. I have attached the response from TransUnion and there are not following the law and is reporting inaccurate information on my credit report. Furthermore, TransUnion violated the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). Again, TransUnion haven't sent me any supporting documents showing they did any investigations as I requested per the the Fair Credit Reporting Act Section 611. TransUnion has not provided me with that information that i requested
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$550.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Checking or savings account

After several months with Chime I had to finally come to the CFPB to get my refund back after my car was broken into and my bank account stolen. I tried for almost XXXX months and multiple attempts to reconcile with the company. Finally on XX/XX/XXXX the CFPB was given a response from chime. In that response Chime determined that an error had in fact occurred after this investigation and that a refund had been issued as well as an email informing me of all this. As of today XX/XX/XXXX I have yet to receive my funds back and the email sent to me on the XXXX was instead another denial. I have again opened a dispute with Chime and submitted screen shots of the response provided to the CFPB. They have again told me it could take up to 90 days to complete this investigation. Chime fully lied to the CFPB about refunding me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Tranunion, XXXX, and XXXX informing them that charge offs are considered income and should be removed off of my consumer report immediately and permanently.
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 XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 1

5 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

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX  XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX  XXXX are inaccurate and must be removed.
Product: Debt collection

XXXX amount XXXX. I dont owe this collection agency anything. I never signed nothing with them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a complaint with the CFPB ( complaint # XXXX ) about inaccurate information on my credit report for Possible finance. Despite multiple attempts to resolve this, there are still negative remarks on my TransUnion report, last updated in XX/XX/XXXX, and my XXXX report, last updated in XX/XX/XXXX. I am requesting the removal of all negative remarks from this paid account, as this issue persists since last year. I've attached the latest credit report and proof that the account was paid.
Product: Debt collection

Between XX/XX/2018 and XX/XX/2018 Douglas Chancellor Meyer placed a collection on my credit report for {$310.00}. I have had no correspondents or communication with this company. Nothing was sent to me in the mail to dispute or confirm/verify that this account is mine. I have never did business with this company. THIS ACCOUNT IS NOT MINES.
Product: Credit card or prepaid card

I have a credit balance on my card due to a refunded purchase. Despite repeated requests for a refund, AMEX has not complied
Product: Debt collection

I have been told over and over again that I owe this debt and it has yet to appear anywhere let alone no notice from original company the said owed debt is owed to. I have lists of phone numbers the company calls from.
Product: Credit reporting, credit repair services, or other personal consumer reports

^^Dear Government, My name is ****XXXX XXXX** I am repeating my complaint about incorrect information that exist in my credit report. I have been trying to reach out for some changes over a year but it never works. There are some " '' inaccurate '' '' addresses and employment information that are reported in my credit report. I and our association have no relationship with these records and assume that it would cause unexpected affect to my credit report. Here are the addresses and employment information that need to be corrected : ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO _XXXX XXXX _LOCAL XXXX XXXX  XXXX   XXXX, NY & & & & & & & & XXXX **ADDRESSES REPORTED _XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened on XX/XX/2023 with XXXX XXXX XXXX using my identification when I was hospitalized. This is fraudulent and was done without my consent.
Product: Debt collection

I received a notice from XXXX on XX/XX/XXXX indicating that I have an account in collections. When I checked my XXXX report, I saw an account in collection from Transworld System Inc/94 in the amount of {$230.00}. It says the recent balance was as of XX/XX/XXXX, and it said that it was opened in XX/XX/XXXX. The accouont number is XXXX. I never received a notice of this debt and was not given my right as a consumer to dispute this debt. It has now tarnished my credit. I want this removed from my credit report and I want a notice sent to me so that I can review the debt.
Product: Credit reporting or other personal consumer reports

Experian XX/XX/year> XXXX XXXX XXXX {$1000.00} Experian never investigated the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my information to open fraudulent accounts which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below XXXX XXXX XXXX - XXXX Inquiry XXXX XXXX - XX/XX/2021
Product: Credit card

Received a credit card in the mail from capital one that I did not apply for and there was a charge on it that was made in XXXX.
Product: Checking or savings account

My name is XXXX XXXX and I am a customer of BMO bank with account number XXXX and email address as XXXX associated with my profile with BMO The security of my account has been compromised and funds stolen UNAUTHORIZED by an unknown person. 

I recently noticed that a different device has got into my account and funds have been sent out of my account unauthorized without my approval. 

I have tried to mark these transactions as unauthorized in the mobile app but I am not able to log into my account and each time I call the fraud center and the customer service to take my dispute so that they can refund me, the bank will tell me that they can not take my dispute yet because they are still investigating. 

I am wondering if the bank is happy that my account access has been compromised and my funds taken out unauthorized without my consent. 

Prior to this, I kept on receiving emails that my BMO account has been logged into another device in XXXX and other locations and I do not know how this happened because I am only in XXXX Location which is new York. I don't know how and why my account is always accessed in different locations that I do not know anything about. 


These unauthorized access to my account is fraudulent in nature and has caused a lost of over XXXX Dollars in transactions through XXXX to a person whom I do not even know or met. This is very uncalled for because I am a senior citizen and I am on social security monthly and I need my money back for drugs and shopping as this action has rendered me very broke. 


I have informed the bank about this situation and contacted to reimburse me for these unauthorized fraudulent activity done on my account, but I haven't heard back from them in regards to this. 

All the money sent out of my account in XXXX are unauthorize and I wasn't the one who made the payment. 

The bank has asked me to go and verify myself through notary and I have done it so as to have access to my account, but I am still denied access and no refund. 

I am starting to suspect that an insider from BMO is the XXXX behind this account compromise because I had reached out to BMO to resolve this issue including top management executives of the bank but no resolution to my issue yet. 

To put things right, I would need BMO to reimburse me for the unauthorized transactions and for them to ensure that my account is only access on my XXXX and in my location which is XXXX XXXX in New York.
Product: Credit card

Ten days after returning from a vacation rental in XXXX, XXXX, published as a " calm house, ideal for families '' XXXX XXXX XXXX XXXX ) I received an email from XXXX stating that I would be charged in 3-4 days XXXXXXXX XXXX for breaking the stove hood and scratching the TV. In the message, the host says we spoke via telephone of both breakages that same day. Of course, that was a lie as were the breakages. My family did not use either. We don't even own a TV in the US. He was looking for a free XXXX Euros out of a family of Americans that had already landed back in America, far from XXXX. This was a trip to celebrate the end of my XXXX treatment. It was such a farce and the dishonesty of it all left a nasty feeling throughout my body. 

I immediately called XXXX and saw that they entry level representatives would not be of much help. They spoke in circles. I called Chase right after and canceled my card pleading to take off this charge as it was fraud, I had not authorized anything and the host was committing a crime. He had submitted receipts to XXXX from 4 and 2 years ago respectively and when I asked XXXX about this, they didn't seem to care. The photo of the " TV scratch '' was a close up and could have been from any TV, their own personal one, even. It was not dated. The stove hood video had no date either. The host was indeed mischievous and when I tried to submit an honest XXXX review I see that it will not be published. I see there are only two 5 star reviews from last year leaving me to believe that it is all a scam. 

I have called nearly every day - both XXXX and Chase- for an update and there is none. XXXX keeps saying they are reaching out to the host for an explanation of the old receipts and undated photos. When will it end? The investigation has gone no where and I am frustrated and am not going to pay an exorbitant amount of money to someone who I did not authorize this payment to. I have spent hours trying to resolve this issue over the course of weeks. 

I ask that you help me in this matter and correct this wrongful action. I see that Neither XXXX  nor Chase take their customers seriously.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5100.00} Late/Closed XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$9000.00} -Late/closed XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} - Open
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$940.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$330.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 my Coinbase account was restricted, they asking for my SSN which I dont have, I cant buy nor sell my cryptocurrency, all I want to do at this point is retire my funds transferring the money to my bank account which is in their system, the very same bank account that I used to buy crypto, my  funds are around 4K to 5k dollars as right now, I invested around 3.5 k dollars, all I wan na do is to get my money, they are keeping my funds hostage ( basically they are stealing my money, is this legal? ) I have tax Id number and Ive paid my taxes every year that I had income, I hope they dont get away with this scam letting people like my self opening accounts not requiring ssn to do it and then freeze the account asking for ssn and keeping the money, please help!
Product: Credit reporting or other personal consumer reports

XXXX and they also own Equifax now and XXXX paid customer {$24.00} month membership includes real time XXXXXXXX XXXX XXXX XXXX XXXX is XXXX XXXX customer US Social Security # based consumer USPS address changes, age, Algorithm info, XXXX  and online search engine history, credit inquiries et mas For sale to and also buying from multiple individuals persons. ONLINE APPS, WEBSITES, AGENCIES BANKS, NCUA FEDERAL CREDIT UNION, PAYDAY LENDERS, HEALTH IBSURERS, CAR. LIFE INSURESERS, HEALTHCARE SIMULATION PAID HUMAN FIELD MONITORS for huge US and Foreign currency amounts and has XXXX XXXX XXXX category and Seperate FICO SCORES ONLY BANKS, MORTGAGE COMPANIES AND INSURERS XXXX SEE XXXX POINTS LOWER THAN PAUD SCORES EXPETIAN CONSUMERS RECEIVE FOR {$24.00} A MONTH.