23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I read that you have recently completed a lawsuit against XXXX and believe I should be one of the students whose balance should be forgiven under that lawsuit. I graduated from University of XXXX in XXXX with XXXX student loans. I paid off my small XXXX loan fairly quickly. The XXXX Federal Subsidized and Unsubsidized loans were for about {$83000.00} at that time and were with XXXX XXXX. I was counselled to consolidate the loans, which led to them getting BIGGER- they went up to {$87000.00}. I became deathly ill in XX/XX/XXXX and was hospitalized for 6 months. At that time the loan balance was at {$72000.00}, as far as I can tell ( it is hard to get reliable records from XXXX going back that far ). While I was in the hospital my XXXX XXXX XXXX mother contacted the loan company on my behalf and was counselled to put me in forbearance. It took me several years to recover and get back to work, during which time the interest accrued on the loans. When I started full payments again in XXXX the balance was at about {$89000.00} ( I don't have an actual record of what they say I owed at that time ). I am now XXXX years old and trying to retire and I have been paying on this student loan for 22 years. I have paid over {$100000.00} and still owe {$45000.00} in accrued interest. This interest accrued during my illness due to the forbearance. Had my mother been told the results of her decision, we could have come up with a way to continue paying the loan and avoiding all this excess. However, neither my mother nor I had any idea there was any hope of an alternative that could avoid this disaster being piled upon the disaster of all those years of XXXX. Furthermore, through the intervention of my Congressional Representative 's office, I have talked extensively to XXXX who took over the loan in XXXX, trying to XXXX get full records of the loan since its inception, XXXX get a clear explanation of how interest was figured on the loan, since sometimes the interest payments got bigger instead of smaller, and XXXX where {$900.00} worth of payments I had made over a 9 month period in XXXX had gone, as I couldn't find them on the documents Navient finally sent me. After several months I believe it was resolved that the {$900.00} was correctly applied, but questions XXXX and XXXX never got properly answered. 

The bottom line is I have paid off the loan WITH INTEREST and now only owe interest that accrued because of bad advice that my mother received to get a forbearance that led to the loan ballooning while I was ill.
Product: Credit reporting or other personal consumer reports

My credit report is missing all of the accounts and history that it should have on it. My credit report should have approximately 64 accounts on it, dating back almost 15 years. I logged in on XX/XX/2023 and found that no reports are listed and I have almost no credit history whatsoever. 

I should have my credit history showing all of my credit cards, student loans, mortgages, auto loans, and personal loans.
Product: Credit reporting or other personal consumer reports

I recently went over a copy of my credit report and noticed accounts that are fraudulent. I would like for these accounts to be removed, they are hurting my credit.
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : LAST LATE DATE XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : LAST LATE DATE XXXX XXXX XXXX XXXX XXXX XXXX {$300000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : LAST LATE DATE XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX {$6000.00} {$81.00} {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX {$60000.00} XXXX {$130.00} XXXX - {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$300000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE DATES : LAST LATE DATE XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My bank, The XXXX XXXX, uses Ingo Money for Instant Check Cashing services. I followed all of their steps to the letter. The last step is to write VOID on the check and take a picture of that. I did so. And then they rejected the now voided check so Im left with a check thats completely unusable, can not be cashed, and then when trying to contact the company, they hung up on me twice without answering even though it was within their business hours. 

Theyve done this repeatedly. They have a rating of 1.6 out of 5 for a reason. They and their parent company need to lose all FDIC protections because theyre predators.
Product: Debt collection

This debt collector, HCI Healthcare Receivables Management Company, in spite number XXXX, having absolutely no proof that the debt is mine, continues to attempt to collect a debt account from me for services on XX/XX/2019. They have reported it to credit reporting agencies and now I'll have to take the next step, contacting the reporting agencies directly. I was not there and they do not have my signature or any proof that this is my bill. If this is not corrected and soon, I will additionally sue this unethical debt collector and Consumer Financial Protection Bureau for failing to help me. This has been an ongoing issue and I am sick of it. I've complained about this numerous times and the response I get is always 'the collection agency says you owe it ' in spite of having absolutely NO PROOF. No proof. Not my bill. End of story.
Product: Debt collection

I have an issue with this agency and is doing this complaint on how this company reported an account to XXXX. NATIONAL CREDIT SYSTEMS didn't allow me and the joint person on this account notified by mail, email, or phone call. The information reported in inaccurate. I tried to make numerous to have the creditor to contact me about the accuracy and amount of this debt. XXXX XXXX, XXXX totally ignored my attempts to resolved the issues and went straight to NATIONAL CREDIT SYSTEMS and had the collection agency to immediately report this to all of the credit bureau without following the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports and noticed there was fraudulent activity. Here is the unauthorized accounts : XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX - XXXX XXXX - XXXX ACCT BALANCE {$150.00} Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum Accuracy. I have reached out to this creditor and theyve all said they dont even recognize my information given in their system and that theyll remove the credit lines off my report but they still there. This all is a violation of the Fair Credit Reporting Act, and any item appearing on my credit report that has no proper verification or evidence provided to me alleging these accounts belong to me, is illegal. I am enforcing credit laws 605B and 1681B, do your due diligence, send debt validation with original docs of agreement with identity proof that " that was me. So in the end, y'all can remove these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. 
Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. 
All versions of names except my only Name " XXXX XXXX ''. 
All other versions are in violation. 
There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, South Carolina XXXX. 
ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. 
There are CHARGEOFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 
There are multiple Hard Inquiries on my credit report that are NOT authorized, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX There are multiple Soft Inquiries that are NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. 

The Student Loans being reported on my credit MUST be removed. Student Loans on credit report is a violation of the Family Educational Rights and Privacy Act of 1974 ( FERPA ) The school agreed that they will not provide transaction history to any 3rd party. 

16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they Violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Refinancing due to divorce. New title company has asked for payoff information 3 times by email and 1x by fax. I personally called Wednesday XX/XX/XXXX and requested payoff on both 1st and 2nd mortgage. Friday XX/XX/XXXX the title company received two payoff letters on the 2nd mortgage. Saturday an overnight letter was sent to XXXX Michigan and was received by XXXX XXXX at TCF Bank. As of Tuesday XX/XX/XXXX neither myself or the title company have received any payoff information on the 1st mortgage.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Financial Protection Bureau [ CFPB Mailing Address ] Attn : XXXX XXXX, Complaint Subject : Opting Out of Authorization and Request for Corrections Dear XXXX XXXX, I am writing to inform you, as a federally protected consumer under the FCRA, that I am opting out of any and all authorizations provided under 15 USC 6802. This opt-out includes written, unwritten, verbal, and non-verbal authorizations and is effective immediately and indefinitely. 
Upon reviewing my credit reports, I have identified several issues that require your attention. It has come to my notice that third-party reporting agencies are disclosing my private information to all three credit bureaus, violating my Privacy Right under the Privacy Act of 1974. 
Additionally, there are charge-offs listed on my credit reports, which I believe should be considered a " Certificate of Indebtedness '' and removed, as income can not be reported to my credit report according to the law. 
I would like to bring to your attention that all my bank accounts are insured under 15 USC 1681, and I have not received any interest or payment. I provided a security under 16 CFR 444.1.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  XXXX  ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I received an email this morning stating that I applied for, a was approved for, an {$800.00} loan through Uprova. I have not applied for a loan through them and the banking information attached to the documents is not my information. 
The name and address are mine but I DID NOT apply for this loan and do not want to be responsible for it.
Product: Credit card or prepaid card

XX/XX/2019 American Express sends me a letter. I have enclosed a copy of the letter to the consumer financial protection bureau along with American Express as I believe you will be in contact with them. The letter for the XXXX American Express business card is requesting that I go to my bank and obtain the bankers name title hours of availability and signature, confirmation of my home address, main number to the bank branch, and extension or personal lying to the banker when applicable. The letter states that I am to gather the information on my personal bank which is XXXX XXXX from my banker and fax it to American Express to continue the application. Then today I received a call from XXXX in the new application department she advised me that more than likely it would be approved and then phoned me again to advise me that its theres no need to get the banking information because it was declined for frivolous reasons and reasons that go against the fair lending credit back and discrimination being a mailbags is slightly effeminate being categorized by the bank through telephone conversation and then the bank declining the application. I was advised that they will forward the application to a higher level of approval to get the card out as promised. My personal fraud alert due to the XXXX breach was verified along with my personal information prior to me receiving a call that the card Was not approved.
Product: Credit card or prepaid card

Chase is marketing credit cards to those of us with good credit like it's going out of style. Be careful - the marketing is not clear. IF you already have a SWA Chase personal card, do not apply for the new one online. This has sent me through a XXXX triangle, wasting my time and therefore money. 

It appears in the middle of XX/XX/2018, Chase expanded their undisclosed 5/24 rule to include ALL co-branded cards, not just SWA, yet the marketing machine continues to ignore this policy and the Agents on the phone are not well trained. I am contacting the credit bureau b/c two of the cards opened are not mine - that is the silver lining here. 

However, the issue with incessant marketing of their branded cards to customers, plus this confusing 5/24 rule and lack of Agent phone training, is false advertising. The information is still relatively opaque, as Chase never comments on the 5/24 rule, but multiple reader and community data points suggest denials due to 5/24 for cards previously exempt. 

CFPB staff, please help educate consumers and hold the big banks accountable for deceptive trade practices. I do not believe this is intentional on Chase 's part, but the second to last Agent did encourage me to file a complaint here, so be it. 

Thank you! 

XXXX
Product: Checking or savings account

On XXXX, four accounts were fraudulently opened at Sun Trust using my social security number, Dob, and address. Contrary to the information on your website, Sun Trust has refused to furnish copies of the applications used to open these accounts. I need this information to provide to the XXXX XXXX XXXX Police who are investigating this problem. My Case number with Sun Trust is XXXX XXXX. Sun Trust continues to tell me that the information is confidential and I am not entitled to it.
Product: Debt collection

XX/XX/2020, I had initiated a dispute of alledged debt collection for the amount of {$1900.00} out of which they were willing to settle for {$950.00}. In that letter, I cited the collection agency 's obvious violations of FCRA and FDCPA which requires to provide me with " validation '' that is competent evidence bearing my signature, showing that I have { or ever had } some contractual obligation to pay such claim. 
XX/XX/2020, the Collection Agency sent to me a nine page print out of bill statement, claiming that was their only bases for the verification and validation of the alleged debt. 
XX/XX/2020, I responded to their letter and yet calling the company out on another violation : FTC opinion letter from Attorney XXXX. XXXX XXXX, which contends that a printout of a bill or itemized document does not constitute verification. And they again failed to provide me " verified '' proof bearing my signature. 
I am filling this complaint with hope that The CFPB will intervene in this matter in reaching a quick resolve. 
Thank you.
Product: Debt collection

On XXXX/XXXX/XXXX i received a call from XXXX from the number XXXX, the caller said he was calling about a debt from XXXX and when i asked for more info or to send me something over the mail he laughed and it said i was in position to demand anything and they were going to sue me. I hung up and then he called my employer asking him how it was possible he would employ someone like me? I called them again and he just said he had every right to do what he did because he called my work number and not my personal number. A guy by the name of XXXX XXXX XXXX promised to look into the issue and all he did was have the first caller call me again to work, thats 3 times in one day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I made a deposit to Skrill of {$550.00} from my personal XXXX XXXX XXXX account. The transaction took place within 5 days without any id verification. 

When I requested a withdrawal of my funds to the same account. I was asked to verify my date of birth. In order for Still to verify date of birth they requested to send them ID card. After I sent ID, they asked me to send a picture with government-issued document. I made a picture of myself holding a passport. 

Then I was asked to send a bank statement and my account was locked. I called them several times, and was told that mm account was under investigation. 

This is clearly a scam and fraud.
Product: Student loan

I received information from Mohela about new transfer of loans in XX/XX/year>. This was after I received information from XXXX that made me believe my loans were forgiven and wiped. I had cried happy tears. Not even a month later, I start to receive conflicting letters from Mohela saying they were my new servicer or lender. I barely was with XXXX. I was sent a bill for almost XXXX XXXX monthly. Not even two weeks later, I received another letter stating not to pay anything because account was transferring. I also received this month, XX/XX/year>, information saying my loan is in forebearance. I am so confused.