23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I signed up for {$1500.00} cc amount. I used up that amount and they are charging 299 % interest. $ XXXX interest per day. First month charge of $ XXXX interest To me this is usurious interest The name of the company is cash net
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

RE : Complaint Regarding Unresolved Equifax Data Breach Settlement Claim Dear Consumer Financial Protection Bureau, I am filing this complaint regarding the ongoing and unjustified delays in processing my claim for compensation related to the XXXX Equifax data breach. Despite following all necessary procedures, including providing updated personal information that verifies my eligibility, Equifax has failed to resolve my claim or provide any clear timeline for compensation. 

Summary of Events : 1 ) XXXX : I was a victim of the Equifax data breach. 

XXXX ) XX/XX/XXXX : I filed a claim for out-of-pocket losses and time spent as part of the class action settlement. 

XXXX ) Equifax 's Responses : Over the past year, I have received vague responses from Equifax stating that they can not locate my records and can not provide a timeline for reviewing my appeal. After providing my updated surname and the last six digits of my Social Security Numberinformation that should have confirmed my eligibilityEquifax continues to stall without explanation. 

Despite my compliance with every request for additional information, Equifax has delayed issuing the compensation I am entitled to under the settlement. Their inability or unwillingness to resolve my claim in a timely manner is not only causing financial hardship but also exacerbating the emotional distress I have suffered as a result of the original data breach.
Product: Credit reporting or other personal consumer reports

I enrolled online in BOA auto payment. I signed up to pay the monthly minimum but not to exceed {$300.00} with any one payment. My monthly payment amount was around {$150.00}. BOA did NOT withdraw payment because the $ 300 MONTHLY PAYMENT amount I set was not sufficient to pay THE ENTIRE BALANCE!!! They said, " this e-Bill wasn't paid because the amount due exceeds the maximum amount you set for AutoPay. '' This happened twice and resulted in a XXXX point drop in my credit score. After contacting them repeatedly they CLAIM they have re-enrolled my in aoutpay but there is NO indication of this on my online account and they ARE LYING!!!!. THEY ARE A PREDATORY BANK LOOKING TO CHARGE UNWARRANTED LATE FEES AND PENALTIES
Product: Vehicle loan or lease

I bought a new XXXX XXXX XXXX from XXXX XXXX in XXXX, KS in XX/XX/XXXX. I received a loan from Kia Motors Finance. I then paid the vehicle off in XX/XX/XXXX. I wrote a letter to the company certified mail to : Kia Motors Finance Attn : Release of Title XXXX XXXX XXXX XXXX XXXX, CA XXXX Post Office Article # : XXXX Company receive date : XX/XX/XXXX I went to the Kansas DMV on XX/XX/XXXX and the company still hasn't released my vehicle title. I've been waiting on this title for over a year. My advice to everyone is DO NOT get a loan from this company.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Product: Mortgage

Submitted request for VA XXXX, and have experienced delays, misunderstandings, reassignment, escalation, and ignorance of VA XXXX guidance under VA XXXX XXXX in regards to my VA XXXX review. Was told last night that VA XXXX request is denied, and that they have no knowledge of Principal Reduction Alternative outlined in VA XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Agency Act XXXX, XXXX XXXX XXXX XXXX  : XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end customer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Experian had failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

I've already submitted a complaint with you ( case XXXX ). MOHELA has not take any action and I'm still waiting on the refund of my over {$15000.00} they erroneously sent to my ex-husband. Kindly review the prior case and open up this new complaint to reach out to MOHELA and get my money back. They are non-responsive and have done nothing in over a XXXX. I've provided them proof of payment by sending them copies of my bank statements showing the money that was paid to them came from my personal bank account and they still haven't responded. These stalling tactics are unfair to me. I have reached out and filed complaints with both the Department of Education and the Federal Student Aid Ombudsman and nothing has happened in over a XXXX. They keep referring me back to MOHELA, who in turn is non-responsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit ran today XX/XX/20 because I'm trying to refinance my house but I was unable to do so because there is an account from XXXX XXXX for an amount of {$1200.00} in negative standing appearing on my credit. This account does not belong to me and I never allowed anyone to open this account in my name. I do not have any written/verbal contract with this company nor did I benefit anything from this account such as money, goods, services or any other benefit and I never made payments towards this account. I am not affiliated to this company in any way and I have never authorized them to run/access my credit. I have already filed a police report regarding this suspicious account in hopes of getting it resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate item on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information contained in my credit report. Additionally, under 15 U.S.C. 1681a ( 5 ), I am entitled to a credit report that is free from inaccurate or unverifiable accounts.
Product: Mortgage

Despite requesting a two-month forbearance to address my financial situation, they granted me XXXX months without my consent, and now I find myself XXXX months behind on payments due to their inefficiency in processing my requests. 

Here 's a brief summary of the events leading up to this situation : - In XXXX, I requested a two-month forbearance to stabilize my financial situation. 
- To my surprise, the company extended the forbearance period to XXXX months without seeking my approval or consent. 
- In XXXX, when I reached out to terminate the forbearance, I was advised not to do so, which led to further delays in my payments and increased financial distress. 
- Throughout this period, I have encountered countless obstacles, having to jump through hoops, fill out forms multiple times, and deal with representatives who seem unaware of proper procedures. 

The constant miscommunication, delays, and lack of a single point of contact have caused significant hardship for me and my family. This has negatively impacted my credit, financial stability, and overall well-being. 

I have attempted to resolve this matter through direct communication with the company, but the response has been unsatisfactory, leading me to consider filing a lawsuit to seek appropriate resolution. 

I urge your office to investigate this case and provide guidance on how I can obtain fair and prompt resolution. I believe that [ Name of Lender/Financial Institution ] has violated my rights as a consumer and failed to handle my forbearance request appropriately. 

Enclosed with this email, you will find relevant documentation, including records of communication, forbearance requests, and any other pertinent information to support my case. 

I kindly request your assistance in ensuring that my concerns are addressed promptly and that I am provided with a one-point contact to resolve this situation without further delay. 

Your attention and assistance in this matter are greatly appreciated. Please feel free to contact me
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. I was going through my records & noticed that some items which do not belong to me were still in my credit report. Since Im a stickler for research, that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 
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Product: Student loan

MOHELA transferred loans to new StudentAid MOHELA platform in late XX/XX/XXXX. There is a line item in the account history from XX/XX/XXXX : XX/XX/XXXX Capitalized Interest {$1000.00} MOHELA told me on the phone ( talked to representative then supervisor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they can not identify any qualifying events for capitalization in XX/XX/XXXX. Also stated this capitalized interest was " from prior servicer ''. However the principal of my loan has increased from the initial disbursement, and MOHELA. 

Call reference number XXXX XXXX XXXXXXXX Online records of prior account statements are no longer available. I asked to have physical copies of all statements from prior account be mailed to me. The supervisor stated she would arrange this. It has been flagged for further investigation. 

I am concerned other borrowers may be similar affected by inappropriate interest capitalization and would like the CFPB to investigate my case and others.
Product: Debt collection

Transword System Inc XXXX XXXX has yet to reply back after calling him several times in regard to account XXXX XXXX I receive an check from the insurance company in the matter to clear this matter up and pay TSI Inc
Product: Payday loan, title loan, or personal loan

I paid off my {$15000.00} loan on XX/XX/XXXX. I called Northwest XXXX Bank at the time and spoke with service rep, XXXX, to see if there were additional charges to completely pay off the loan. She told me {$7.00} would completely pay it off. I made the payment and I asked again if there were any additional charges and she stated, " No, there is nothing additional. '' One year and six months later, I recently my credit report and discovered that an additional {$91.00} in fees had been added to the loan on XX/XX/XXXX, which significantly lowered my XXXX XXXX. I contacted Northwest XXXX Bank and spoke with Loan Officer, XXXX, who basically told me she couldn't help me and that I had to pay the additional {$91.00} to close the account and they would get back to me as to whether they could adjust my credit report once that was done. I paid the {$91.00}. I have not gotten an answer yet as to if they will notify the credit bureaus that a payment was made. I have a feeling that it will be " business as usual '' and it will just be reported during their next reporting cycle. My credit score will suffer until then.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error. I have notified trans union of this error several times, and they refuse to update my credit report to report accurate data. Instead they send a letter to explain what inquiries are. I am full aware of what inquiries are, I am also aware of what I did and did not authorize which is why I reached out to Transunion to rectify this issue The FCRA states that the only permissible purpose for pulling someones credit report is Firm offer of credit Insurance Employment Court Order The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX  - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX  - XX/XX/XXXX 5. XXXX - XX/XX/XXXX 6. XXXX XXXX  - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX  -XX/XX/XXXX 10. XXXX XXXX XXXXXX/XX/XXXX 11. XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX -XX/XX/XXXX 13. XXXX XXXXXX/XX/XXXX 14. XXXX XXXX - XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX16. XXXX XXXX -XX/XX/XXXX17. XXXX  - XX/XX/XXXX 18. XXXX -XX/XX/XXXX Please remove these inquiries from my credit report immediately.

Respectfully, XXXX XXXX
Product: Credit card or prepaid card

I have had complete fraud on my account and need ALL my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, all of my debt collection accounts were disputed and removed and my credit usage decreased below 30 % from my Experian credit report. However, my credit score did not increase by much higher points.
Product: Debt collection

XXXX, XXXX XXXX XXXX XXXX contacted me today and left me a voicemail ( attached to this complaint '' stating the following. This is civil claims processor XXXX here with the county. We're calling in regards to a requested summons that was issued this morning from the department of check and arbitration. They have requested that we do have you served between 24 to 48 hours at your residence or place of employment. If you would like to resolve this matter on voluntary terms, you need to speak with the plaintiff immediately at XXXX XXXX XXXX XXXX. If they do end up granting you an adjournment and you resolve the matter voluntarily, make sure they fax us over the stand down order. We need that legal document as soon as possible. If we do not receive that legal documentation, make yourself available. Thank you. Good luck. And you have officially been notified. : This is a total violation of the fair debt collections practices act 1692 d Any conduct the natural consequence of which is to harass, oppress, or abuse any person 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken 1692 e ( 15 ) Documents are not legal process forms or do not require action by the consumer
Product: Debt collection

I lost my job and went 3 months without pay. I still paid until money ran out. I told manager twice about my situation. He agreed for me to pay what I can when I get paid. So I paid at times I had the money. It may have been {$50.00} or {$100.00} but I have been paying them. I am behind on the loan and I know and understand this but I am paying when I am able and they are accepting the money. They continuously call my parents home phone which I and they have asked repeadily to stop because I do not live there and they have nothing to do with the loan. They even have my new address in which they have sent mail to me. They call me continuously telling me they can no longer accept the {$50.00} payments that I must bring the loan up to date. This ridicious because I have lost a job and started another that the income is less than half of what my job was at the time of the loan. I pay what I can which is more than paying nothing but yet I am still threatened and my phone is constantly ringing from these people which is nothing but harrassment. I want them to stop call me and stop calling my parents home and not to call my job.
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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.