23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX my student loans entered repayment. I received statements for payment from all of my student loan holders except for one : College Loan Corporation. I never received one statement from them. All of my other student loans were paid as agreed. Eventually I contacted that company because I decided to consolidate my loans to make repayment easier. At that point I was advised my account was in default. I was awed because I received NOTHING from them. The loan was paid off almost immediately, XX/XX/XXXX. Now I have a delinquency on my credit report which I is unfair. Me not receiving the statements ever was extremely deceptive and predatory. The loan has been satisfied for five years with any applicable fees covered.All I ask at this time is for my good name to be restored and my credit repaired due the College Loan Corporation 's error.
Product: Debt collection

I had called ( XXXX ) on XXXX XXXX, 2017, trying to take care of my Federal Student Loans. I  spoke to a guy who said his name was XXXX. Through our conversations about my student loans, I thought he or his company ( Helping Hand Consultants ) was affiliated XXXX. So when he asked for my personal information to set up payments I assumed he had to have the information to do what was needed in order to start payments. In the end I had given him all my personal information to include ; name, phone number, address, social security number, credit card information, work information, and signed over my XXXX account power of attorney. After some research and talking with XXXX I realized I made a mistake and that " XXXX '' should have never asked me for my personal information. I was supposed to pay {$330.00} for the next 3 months and then {$0.00} there after. According to the information on the document I signed their information is as follows- Helping Hand Consultant XXXX XXXX XXXX , XXXX XXXX XXXX XXXX CA XXXX XXXX ext XXXX
Product: Credit card

On XX/XX/2024 I submitted a dispute to Capital One for a charge I had made on my credit card. The dispute was for a refund from a merchant who failed to provide zoo tickets that were to be included with a hotel package that I had booked and paid for with my Capital One credit card. The merchant agreed to issue the refund for failure to provide the zoo tickets and claimed they had issued it back to the credit card. I followed up numerous times with the merchant and they kept claiming it had been issued but it never was so I filed the dispute with Capital One. With my submission I included all of the documentation and correspondence to support my dispute including the direct correspondence with the merchant stating they would, and did, issue the refund. Despite that, on XX/XX/2024 Capital One found in favor of the merchant with the reason 'The merchant provided the following information to support the transaction : Notification that goods were as described and received in good condition. ' That is obviously false because I did not receive the zoo tickets that were included with the hotel package that I booked. The documentation the merchant provided to Capital One was merely a copy of the original hotel receipt. They didn't address or provide any documentation that would support a denial of my dispute and claim for the refund they had promised in writing. Capital One grossly mishandled my dispute by not addressing the core facts and claims that I included with my dispute submission and documentation. As a result, I as the consumer have been harmed and they may have a systemic issue in their disputes process that may harm other consumers like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with Those reporting agencies./// These company ( EASTERN ACCOUNT SYSTEM, XXXX XXXX XXXX, XXXX XXXX XXXX ) willfully violating the FCRA. Without my direct written consent these reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may NOT furnish negative information to my consumer credit report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan for a vacation. My trip got cancelled I was refunded everything except the hotel stay. From XXXX. I contacted them about as well as affirm. I was getting the run around with XXXX so I disputed the charge with affirm for the hotel stay. I never stay at the hotel but was still charged XXXX. Affirm sided with XXXX. And I was told that I'm responsible for a balance of $ XXXXeven tho I have proof I didn't stay there. They ignored my evidence and sided with XXXX. I feel like I was not treated fairly as a customer and I was unable to appeal affirm 's decision.so I'm stuck paying on a loan I repped benefits from.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I entered a agreement with carvana to ship a vehicle from XXXX north Carolina to XXXX ma On Sunday XX/XX/year>. I was emailed the title and vin number and charged a shipping fee of {$1000.00} XXXX for the car. On Tuesday XXXX XXXX i checked on the shipping of the car and saw that they relisted it. 
I called carvana and asked if my car would still be shipped to XXXX and if not they could refund me my money because they did not ship the vehicle like i paid for. The guy told me i was out of luck and that i should read the terms and conditions. 
I can understand if i canceled but they didnt render the service and still wanted to keep my money
Product: Money transfer, virtual currency, or money service

Payment for transaction XXXX / {$100.00} for bitcoin was made on theXX/XX/XXXX/17 and it still sitting in pending. I have tried to contact and email support on multiple occasions and received no response. Coinbase case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute against Capital One to all 3 credit reporting agencies. Capital One advised XXXX to DELETE Capital One account from my credit report. XXXX has deleted all information about my Capital One account as if the past 5 years of excellent credit with them did not exist. Capital One does not have the right to have any information deleted from my credit report!!! And the credit reporting entity should not have deleted information without consulting me first.
Product: Debt collection

Good morning, XXXX XXXX XXXX from called from Brett Borland Law Office in XXXX, GA. I assume she found my business number on my website and called it. That is illegal. She ordered me to return her phone call by XXXX XXXX that day. She is not my lawyer. I do not have to answer to her. As a courtesy, I instructed her to call my mobile phone one time and one time only as a VM. I asked for her identification information and she became irate and started yelling at me. I had to end the phone call. I only asked for her phone number and address. She began to badger me for my birthday to identify me. She called me. I keep asking for her address that's all. 

I believe this relates to the complaint I just filed against XXXX and XXXX XXXX XXXX late yesterday. 

If she is calling about a debt, she can mail it and send it in writing. 

Thank you.
Product: Credit reporting

I submitted disputes with all XXXX credit bureaus on XXXX XXXX, 2015 regarding incorrect information on my credit report. The only response that I received was from XXXX and it was a letter stating that they believed they received a suspicious request regarding information on my personal credit file. I followed up with XXXX and was told to submit another dispute. I submitted another dispute on XXXX XXXX, 2015, addressing the lack of response from Equifax and XXXX and also addressing the letter from XXXX regarding the information I was disputing. I still have not received a response from any of the credit bureaus with regards to the results of their investigations and it has been well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that I be sent verification via signed documents showing the validity of the XXXX debts listed on my report! Not only have I never received documentation Ive not received a written letter of outcome of investigation by mail as requested for the outcome of each dispute. I have requested these documents or the removal XXXX different occasions yet the documents or completion of dispute letters in writing have been provided. 

Under the fair credit act I have a right to request and receive validation and response within 30 days it has now been XXXX months I believe my civil liberties have been violated, and Im prepared to go to the attorney general to seek a remedy.
Product: Credit reporting or other personal consumer reports

I disputed the information on my credit and received a credit report informing me that the incorrect information listed on my credit report was corrected and deleted along with the inquiries. My information was compromised by XXXX XXXX XXXX information leak. I have been fighting strenuously to get the information corrected while XXXX XXXX XXXX XXXXXXXX. I DO NOT NEED THE EXTRA STRESS! After I was notified by XXXX that the information was deleted, my credit score DECREASED substantially!!! They deleted 2 major items on my credit along with a lot of inquires and it went down almost 100 points. It's not making sense!! My credit score should've definitely increased!!!
Product: Mortgage

I had a house fire to my apartment building XX/XX/2021. I have been issued money through my insurance company. Due to me having a mortgage Carrington Mortgage company was added to my claim loss. Carrington has cashed checks from the insurance company, and has advised me the check bounced. Proof was submitted to Carrington the check cleared. However, Ive paid my contractor, and Carrington has stopped payments on checks thats already cleared their bank, and has been giving me problems not wanting to reissue the funds in order for me to complete the repair process. 

I have advised Carrington on several occasions to set up an inspection for my unit so that more funds are released, but its like pulling teeth for them to send out an inspector. I was advised all checks that I send into Carrington is put into a Escrow Account, and I am reissued a check through Carrington. One would think, the mortgage company would just endorse the check from my insurance company and mail it back out to me. Carrington instead puts my money into an account I know nothing about. Carringtons failed to release my funds, in order for me to complete my house fire claim. I have been without rent for 10 months due to their negligence. 

XXXX at Carrington went so far and requested bank statements from my insurance company to verify this check didn't bounce. The insurance company had already provided XXXX a copy of the cleared check and the date the check cleared the bank. This has put me in a bad position with my contractors, XXXX stopped payment on a check of mines, and she should have never done that, considering the check had already cleared in Carringtons system.
Product: Debt collection

I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in Henson v. Santander Consumer Financial USA, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer on the basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
Product: Credit reporting or other personal consumer reports

Starting on XX/XX/year> I sent numerous letters and called each credit bureau to remove all the hard inquiries, auto loans, repossessions, collections and student loans from my account because I did not apply for any new credit and was a victim of a credit breach that leaked my social security number to the dark web. XXXX, XXXX or TransUnion did not properly investigate these items and kept them on my credit illegally. I have sent numerous letters and have contacted each credit bureau and they have been unwilling to help. I have even called the creditors and they verified that they did not report those items and informed me to call each bureau to get it corrected.

These bureaus have illegally placed negative items on my credit report and have sense hindered me from having a high score and purchasing a new home.
Product: Debt collection

On XX/XX/XXXX I spoke directly and have proof of email thread with Exit Documentation from FL College since I was not able to attend courses, unfortunately my mother got sick which later on passed from XXXX causing for me to work full time and it be able to take educational courses. 

Ive attempted to speak with school directly which has routed me to speak with the collection agency directly have tried several times to reach an agreement explaining the exit and reasons for such. 

According to collection agency Im being charged other fees since I did not attend courses which is unlawful and unfair to any XXXX citizen. Charging {$3800.00} to my credit report as an unpaid, collection account. 

If I was not able to attend educational courses and signed exit documentation as provided by school representative why am I being charged {$3800.00}. 

Seeking assistance to bring this matter to a prompt conclusion as Ive been trying since XXXX to resolve this case. 

Thank you in advance for your prompt attention towards this matter. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Pulled my credit reports and noticed several unauthorized hard inquiries on each of my credit reports. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also " knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person ''. Please remove all unauthorized inquiries from each of my credit reports including XXXX, Equifax and XXXX. Each unauthorized hard inquiry is listed in the attached FTC Identity theft report which was filed on XX/XX/2024. Please send me a copy of my updated Credit reports once these unauthorized hard inquiries have been permanently removed. Please see attached FTC identity theft report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all 3 credit bureaus and the company itself. I spoke to XXXX XXXX XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX also said they can't find anything on this account. Please help
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only. neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

We are in CH XXXX Bankruptcy. We are making our monthly payments on an interest only loan of {$3600.00}. When the bank applies the payment it only applies, {$2600.00} in interest and {$530.00} in escrow. Where is the balance of {$450.00} going? It does not show on the activity since your last statement. It is not going towards Principal. But when I look at the Payment Summary it has Interest, {$3100.00} and Escrow, {$560.00} which equals my payment. Also the Trustee is making payments. These are showing as debits on our account, not credits. Where are these payments being applied. Also where is my interest payment from my Escrow Account from 2016? We also overpaid our property taxes and this also showed up as debits on our account. An incorrect Escrow Analysis was done an a distribution of over $ 6K was made to the trustee. Now after I requested an Escrow Re-Analysis our Escrow Account is now short, and now our house payment has risen to {$3700.00}. I placed a call to the bank and was told that a court order was issued for the $ 6K from the Trustee found out that was a lie. I called the bank several times they kept telling me I could not talk to them because I 'm in Bankruptcy. I have sent the bank two letters requesting an accounting of my account. I can not even get an accurate XXXX for my 2016 taxes.
Product: Debt collection

My roommate had created damages in an apartment that we co-inhabited. I was not residing at the property at that point of time, and one day i was made aware that a collection had been placed on my credit report. I had no idea this debt was required to be paid by me until it was already added to my credit report. To not create any further issue, I paid off the collection, but I did not have any chance to dispute it.
Product: Vehicle loan or lease

I bought a car from XXXX in XXXX of XXXX. I made a downpayment of {$9900.00} and financed the rest of the costs. 
On XX/XX/XXXX I signed a contract with XXXX setting up auto pay on the loan. I have included the entire contract, attached here. The relevant pages are XXXX and XXXX. 
On XX/XX/XXXX I received a confirmation from Bridgecrest, stating that the auto payment was set up. The email is titled " Enrollment in Bridgecrest Autopay. '' It was sent by Bridgecrest customer service. I have included a copy of the email, attached here.

That's the last I heard from Bridgecrest. I see now that they never deducted any money from my account. They say they sent me emails regarding payments past due, but I did not receive them. Perhaps they went to my spam folder. 

On XX/XX/XXXX, Bridgecrest repossessed my car. They towed it off my street. I was stunned. I thought the car was stolen. I have a near perfect credit score. I've never missed a payment on anything. 

I've spent hours since trying to sort it out. First with the police, then with XXXX and Bridgecrest. Bridgecrest blames XXXX and XXXX blames Bridecrest.

I would like Bridgecrest/Carvana to repair the damage done to my credit. I would like Bridgecrest/Carvana to contact all the relevant credit companies and to send me copies of letters sent. I would like the fees and fines I paid to Bridgecrest refunded to me. Additionally, I would like to be reimbursed for my time and travel. 
I had to travel from my apartment in XXXX to XXXX NY to retrieve my car. It took all day. 

My credit score, which was XXXX, is now XXXX. XXXX and Bridgecrest 's mistake could impact me for the rest of my life.