23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have previously submitted a complaint about Meritize, however my complaint was closed because CFPB was under the assumption that it has already been handled. The vice president of finance from XXXX XXXX XXXX XXXX XXXX called me on XXXX XXXX to inform me that they submitted a refund and I only owe {$2000.00} for the loan on XXXX that Meritize was charging me {$20000.00}. I asked XXXX ( Vice president of finance from XXXX ) to review my loan from XXXX since they charged me XXXX when I only took 6 classes and 2 of those classes where minor classes. I have not had a response yet. I checked my account on XXXX  which is under Meritize and it doesn't reflect the refund at all! Meritize transferred over my loan from XXXX  to now XXXX. I logged on to my XXXX account and they are now charging me {$50000.00}. This situation is financial abuse and very unacceptable, this is one of the reasons why many people in the United States refuse to go to school and get a degree. I just want to get charged honestly and get charged for the classes that I really took. This has really been causing me sleepless night that this situation still hasn't been resolved correctly. I also was never informed about the National Emergency Forbearance that Meritize had and was under the assumption that it was automatic since it was a world wide pandemic. Please help me resolve this issue and before you close this complaint I asked that the complained has been truly resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to have Equifax fix this with getting my credit report and score online through the MyEquifax portal. It continues to give the following error. Please see attached
Product: Checking or savings account

I have tried to update the name on my checking account in the past, but Truist is uninterested in updating the name on the account without me driving hours to their bank. Now that I can no longer lock the account through their app and my financial safty is at risk, I want the account closed now more than ever. So today, XX/XX/2023, I tried to close the account in question. However, Truist will not close my account, despite me offer to furnish the court order denoting both names in question and the connection between them, and refuse to work with me to establish this connection.
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 : US Bankruptcy Court XXXX # XXXX, Account name : US BKPT CT TH # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : TN Child Support # XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : TN Dept of Human SVCS CS # XXXX Account name : 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 an 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 or 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, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found 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 incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX Wrong Addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I am writing concerning my credit report, which contains inaccurate and incomplete information that necessitates your immediate attention. I specifically wish to dispute the account : The basis for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX have already rectified these inaccuracies due to an identified error. I am perplexed as to how your bureau has verified these accounts while the other bureaus have updated them. Therefore, I request that you correct these accounts in my credit file, as they are inaccurate, erroneous, incomplete, or unverifiable. 

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

date open XXXX 2023 Loan type : XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX This company has violated 15 USC 1681a ( 4 ) Right to privacy.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required XXXX Report for you ( learned through more research both parties require ). Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Advised company via several letters that this debt is not mines and requested verification that the debt belongs to me. Have not received any correspondence and account still reflects negatively on my consumer reports.
Product: Credit card or prepaid card

On XX/XX/19 I opened a US Bank checking account because of advertisements I kept seeing about A ) a bonus for opening an account, but more importantly B ) it made me eligible for their Altitude Reserve card. 

On XX/XX/19 I was denied approval for the XXXX XXXX card and reconsideration was not able to help me in this matter. 

This type of bait and switch tactic should not be allowed. It is unethical to advertise in this manner when having the account was of no consideration, despite constantly being advertised how having a checking account with US Bank will make me eligible for the XXXX XXXX card.
Product: Money transfer, virtual currency, or money service

3 days ago i sent XXXX to XXXX dollares here to exchange it, there was not a message notifying me that the account was not able to recieve other way i would have use paypal, but they act in a very scammy way, they blocked my account i ok with that i do not need an account that is going to steal my earnings, so i asked them to give me my money and they decide to keep it and the last message says that they wont answer anymore, first time that a support solves in that fraudulent way, so is it fair that they are keeping my funds? who are they to steal from me i dont want o use AIRTM ANYMORE I DONT NEED IT, I WANT MY FUNDS DONT GET STEALED BY THIS SCUM
Product: Student loan

I dropped out around XXXX or XXXX, and I didn't realize after I drop out they are making me pay for the whole thing like I went the whole time. I didn't even go a whole semester. I wasn't learning anything, so I dropped out, and they charged me the whole thing. I don't think I should have to pay when I dropped out. My loan is over XXXX and I'm the only XXXXne working, my husband is going for XXXX. Im on a forbearance right now and interest it just getting added, making my loan even larger. My loan is through Nelnet. 
I hope you can help me with this situation.
Product: Mortgage

I received a HAMP modification 6 years ago. I have made timely payments and my account is in good standing. I made a large principal reduction on my own along with the incentives from the XXXX that owns my mortgage so I requested a recast of my loan. I was turned down but told that once I got my 6 year incentive payment they would recast. Then suddenly in XXXX XXXX I received a letter dated XX/XX/XXXX that stated my request for recast had been accepted and I would receive the documents within 2 weeks. I have called 9 times since then and each time I am told that they see the approval letter but ca n't understand why the docs have n't been sent. In XXXX I was told that I would have the documents within 30 days. the 30 days was up on the XXXX of XXXX and I still ca n't get anyone to answer me as to where the documents are. I expect a recast of my mortgage so that I can afford the payments. I am a working single mother who is trying to do the right thing but these payments need to be recast so that I can afford them. I have hired an attorney to pursue damages.
Product: Debt collection

Back in XXXX I disputed an account with Transworld Systems Inc. They did not respond to that letter. They are reporting on my credit, I believe it is my right to request information. They have since added another account to my credit for seemingly no reason at all. They have never sent me any information at all, ever. This is extremely disturbing. PLEASE HELP ME! THEY SHOULD NOT BE ALLOWED TO JUST REPORT INFORMATION ABOUT SOMEONE!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Debt collection

I received a call from someone saying they were near my house and about to drop off court papers that I should 've been made aware of a week ago. I told the person I was not aware of the papers and she gave me a phone number and a case number as well as a reference number which was the last XXXX digits of my social security number. I called and the person I spoke with said I owed money to " XXXX '' and that I 'd made payments and stopped making payments and now they were attempting to collect the debt. She grew increasingly combative and then hung up on me saying my recorded conversation would be presented in court. 

No one showed up at my house. 

I 've never had an account with XXXX. I called XXXX 's card services department and they do not have an account for me. This seems like an obvious attempt to scam me out of money. 

I also called my police non-emergency and they agreed that it was probably a scam. 

The company 's name is WRS. It looks like they have a legit website under World Recovery Services ( http : //www.worldwiderecovery.net/ ). The number I was given is XXXX. 

I did not give these people any money or personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Consumer Loan

I was unable to work due to health problems and was asked to return items i did and my credit would be clear of any defaults and it is still reporting to all credit bureus
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information have been involved in a data breach and there are XXXX negative accounts that is reporting negatively on my credit report i have file a report with the Federal Trade Commission ( FTC ) as well as filed police report of the incident the accounts need to be deleted off of my report I feel like this incident have really held me back financially and it need a resolution. the accounts that is reporting is credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I found out my information was breached on XX/XX/2022. I have placed fraud alert on my credit profile and filed a complaint with the XXXX XXXX XXXX
Product: Checking or savings account

I went to the atm to take out Money. And the atm did not dispense any money at all. And then an error message came across the screen. And my account was still charged all the money i tried to take out of atm. Happend XXXX. First was for {$400.00}. Second was for $ 390 % Thanks XXXX XXXX
Product: Debt collection

ORDERED LAB TESTS AT PRIMARY DOCTOR. LAB COMPANY WAS TO BILL MY PRIMARY CARE DOCTOR AT THE NEGOTIATED RATE, AROUND {$60.00}. LAB COMPANY BILLED ME DIRECT ( {$340.00}, NOT THE {$60.00} I AGREED TO PAY MY PRIMARY CARE DOCTOR ). I HAD OFFERED XXXX XXXX TO SETTLE THIS MATTER FOR HALF ( {$170.00} ). I SENT THIS OFFER TO QUEST MONTHS AGO. THEY NEVER RESPONDED TO ME. A COPY OF THE LETTER I SENT THEM IS ATTACHED. I HAVE NEVER AGREED NOR SIGNED ANYTHING TO PAY FOR THESE SERVICES TO THE LAB COMPANY. TRIED TO CALL THE LAB COMPANY 5 TIMES. SAT ON HOLD FOR OVER 30 MINUTES EACH TIME. WROTE LETTER TO XXXX COMPANY EXPLAINING I AM WILLING TO PAY THE NEGOTIATED AMOUNT AND FOR THEM TO CONTACT ME. THEY NEVER CONTACTED ME AND ONLY SENT THIS DEBT TO A COLLECTION COMPANY. I'VE ATTEMPTED TO HANDLE THIS WITH THE COLLECTION COMPANY BUT THEY TOO ARE NOT INTERESTED IN TALKING WITH ME. THEY HAVE NOW PUT THIS ON MY CREDIT REPORTS AND NEGATIVELY AFFECTED MY CREDIT SCORE.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

In XX/XX/XXXX I was receiving phone calls from a number I did not recognize and no messages where left. I called the number and a representive stated I owed a balance and they would be placing a negative mark on my credit report if I did not pay the balance immediately. At which time I asked the representative for or a verification of debt from the company to be mailed to my residence and as of XX/XX/XXXX, I have yet to receive any verification of debt or anything regarding the debt. I want this removed from my credit report and never be placed on my credit report again. I do not owe the bill.
Product: Credit reporting or other personal consumer reports

I am reaching out about the refund settlement from Lexington law and credit repair. My address has changed since the settlement went out and I need to give you my new address. 

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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX - XX/XX/year> 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/year> XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX  - XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX was mailed FTC report to verify all inaccurate accounts, addresses, and inquiries reporting on my consumer credit file. XXXX XXXX failed to provide legal validation off the alleged debts within the lawful time frame. XXXX XXXX is reporting invalidated information this action constitutes Fraud under Federal and State laws.
Product: Debt collection

I was never served I received a document last week showing that I went into default judgement for : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$7000.00} Open Date : XX/XX/year> Close Date : XX/XX/year> The cards I had with XXXX XXXX  had been closed as of XX/XX/year> my credit was bad and I wouldn't have been able to get approved for other cards, this is fraud and within XXXX month the limit was maxed, doesn't show on my credit report, never received mail or email correspondence regarding this card. 
Gurstel Law Firm, Sent this over with court file : XXXX, Their file number : XXXX, now I am in default judgement without hearing and are also charging me their court fees. I can attach pictures as needed is a big document.
Product: Credit reporting 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. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have a right to privacy.

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

15 U.S.C. 1681 c, ( a ) ( 5 ) 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 dates 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

There are multiple unauthorized, hard inquiries on my credit report that do not belong to me from : XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX Balance : {$2000.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX  XX/XX/XXXX
Product: Checking or savings account

I opened a Bank XXXX America checking account earlier this year. When I saw online advertisement in my area for XXXX dollar checking account promotion I wanted to open a an account. I opened that account and satisfy all requirements, and the bank has Repeatedly agreed that I met all requirments to receive promotion. 

Through my many efforts and phone calls I have not received my credit due. I logged a complaint with the bank, but no one followed up.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts on my credit report that were opened fraudulently in my name. Under XXXX XXXX. XXXX, I request the immediate blocking and removal of these fraudulent accounts from my credit report. These accounts were opened without my authorization, and I have never given written permission for them to be reported, as required by XXXX XXXX. XXXX ( a ) ( XXXX ). 

In accordance with XXXX XXXX. XXXX, please block these accounts from my credit report within XXXX business days and provide written confirmation of their removal. Additionally, I have frozen my credit profile to prevent further unauthorized activity.