23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing to express my deep concern and hardship in repaying my student loans. Currently, I am required to make monthly payments of {$1300.00}, which is a substantial portion of my monthly income, as I bring home approximately {$3000.00} a month. This financial burden has become overwhelming and unsustainable for me, making it exceedingly challenging to cover my basic living expenses, let alone save for my future. I have diligently tried to manage my finances and fulfill my responsibilities, but the current loan repayment terms are pushing me to the brink. What makes the situation even more challenging is that I have the inability to refinance or consolidate my student loans due to a low credit score. My credit score suffered due to issues repaying credit card debt, primarily stemming from the burden of this student loan payment. I kindly request your assistance and guidance in exploring alternative repayment options or potential loan forgiveness programs that could provide some relief in my circumstances. Your support in addressing this issue would greatly alleviate my financial stress and allow me to plan for a more secure financial future.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federally protected consumer rights have been violated in accordance with the Fair Credit Reporting act ( FCRA ).

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 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see my " feedback '' to the lack of accurate response from New Rez to my complaint. It appears that the CFPB just takes the word of the bank without verifying the information. New Rez has ruined my XXXX credit score and I am unable to get it fixed. Their customer service is horrible. The deposited a payment in XXXX of 2021 and did not credit it toward that months payment. They did not notify me of their mistake until the end of XXXX and by the time I send the XXXX payment ( which then was a double payment for XXXX ) they had already reported a 30 day late. They would never respond to me personally after XXXX year of trying. They finally responded to the CFPB without answering the question of what happened to the payment made in XX/XX/2021. I promptly paid off that mortgage after I realized how bad the service was. I would like to get my XXXX XXXX restored. Please see the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies are not complying with their own policies in a timely manner.
Product: Credit reporting

I recently pulled my credit report from Transunion and noticed the following accounts were listed on my reports as a collection/chargeoff. I immediately disputed this information with Transunion and the results of the investigation came back as " verified ''. I did not have an account with any of these companies during this time period. All of these companies incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. With XXXX continuing reporting this account as negative on my credit report it makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless these debts are immediately removed from my report.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most non affiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Money transfer, virtual currency, or money service

I wanted to learn about trading and investments. I was recommended to get in contact with this firm. 
XXXX was my personal consultant. 
She was very nice and helpful in the beginning. 
When I finally made some Money and wanted them out from them-I started getting those excuses and lies about the reason why my money still didnt hit my bank account. 
First, they made me to pay {$5700.00} taxes which they got within three hours. They promised that my money will be on my account after that within a few hours as well. 

Its been a week since I cant the money out. They froze somewhere. No one can tell me the truth. XXXX, XXXX, XXXXall those people cant help me and kept promising that it takes time. 
Please, help me!!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

CPFB complaint # XXXX was filed on XX/XX/XXXX regarding this matter. I purchased a car at XXXX XXXX XXXX XXXX XXXX  with a loan from Credit Acceptance Corporation. The car was a lemon and had numerous problems, which caused me to be upside down. I made a decision to have the car repossessed with Credit Acceptance 's agreement. Credit Acceptance never honored the agreement so as of XX/XX/XXXX, I spoke to XXXX in the XXXX XXXX and XXXX at XXXX, extension XXXX, who advised me that the car is noted to have been at the XXXX XXXX XXXX XXXX XXXX location at XXXX XXXX XXXX, XXXX, NY. Credit Acceptance said that they decided to not repossess the vehicle and that they could not provide anything in writing regarding the account status, the vehicle whereabouts and their decision to not repossess the car. However, they did say the ownership of the vehicle was still mine and that they could offer a settlement of {$2100.00} to close the account. For XXXX years, I have contacted both companies, Credit Acceptance Corporation and XXXX XXXX XXXX XXXX XXXX and they failed to cooperate with me. I have contacted XXXX XXXX XXXX XXXX XXXX multiple times and have been given the runaround. I spoke to both administrative staff and sales managers, all promising that someone would get back to me. On XX/XX/XXXX, a person by the name of XXXX called me and left a message. 
When I returned his call, I was told by a receptionist that he no longer works there. At this time, I do not know where the vehicle is located, and I am afraid the vehicle could be used for illegal or unauthorized purposes. I was advised by my legal attorney to pursue legal action against them, since I still hold title to the vehicle.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 and XXXX XXXX XXXX XXXX are reporting my transaction & experience with them. Reporting my transaction & experiences is in violation Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Money transfer, virtual currency, or money service

I recd email saying I ordered XXXX XXXX and if I didnt to call cust. Service ( XXXX ) to cancel and get refund. I called and they canceled subscription but that I had to talk to banking Dept. for refund. I spoke to XXXX XXXX ( XXXX ) and he said he would give a direct refund and to click on link he was sending and to open my bank acct. I clicked the link and he immediately took remote control of my laptop.he said to put in refund amt. of {$550.00} on dos screen that came up and I saw my checking receive {$55000.00}. He got angry and blamed me for incorrect amt. and said I had to return their money in their particular way which was wire transfer. He initiated a transfer of {$54000.00} ( XX/XX/2021 ) and it would take XXXX hrs. I problem came up that their bank in XXXX only accepted a certain limit daily so they returned half to ny checking and he initiated second transfer ( {$27000.00} XX/XX/2021 ) which he said would be another XXXX hrs. I couldnt get ahold of him. He had told me that the XXXX XXXX  had blacklisted my social security number and everything associated with it and that they would take my savings if I didnt pay them back. I went to the bank to stop everything and they showed me my accounts and they had been drained in the amt of {$81000.00}. I was in total shock and panic and my mind couldnt think straight. The bank put in a claim and froze my accounts. They told me to come back to fill out papers and I did. The bankers were all busy and I sat for about an hour then someone handed me a form and said to quickly fill it out. I sat and tried to write down what happened and handed it to someone and no one looked it over or mentioned any urgency or accuracy requirements. I went to the bank every other day to get status and I knew something was wrong and I finally looked over my statement and realized it was being mis interpreted and asked to amend my declaration because I knew it needed to be clarified. They would not let me submit anything. I went to police and made a complaint and report of the defrauding and went to bank and gave it to them as evidence and I also went to a computer tech store to have them get back access to my laptop. They wiped the laptop clean of any of the hackers files and wrote a report stating I was hacked and laptop had been taken over linked to the XXXX XXXX  icon. I brought this to bank as evidence and all the bankers said they felt with my proof that I didnt do the transfers that I would be covered by the banks insurance. The bankers were also all witnesses to what came out of my mouth stating I did not do the transfers. The claims Dept. stated to me o the phone that they knew I didnt do transfers but it was still denied. I submitted a file to the OCC CAG and they tried to resolve this with the bank but the bank again denied it. I am now responding to OCC CAG with a letter of disagreement and my reasons for this and that I had legal rights to amend and clarify my statement.
Product: Debt collection

The entity claims I owe them money for a debt I do not owe and had never paid on but on my credit report they have been throughout the course of ten years making it appear to where I started and setup a payment with them and have been making payments to them which I have not ever once. I have not even contacted them throughout the span of ten years. Everyday I get harassed by phone calls all from different yet local numbers ( too many to count ) to disguise the true nature of who was really calling my house. They will get on the phone trying to bait me by impersonating someone other than a debt collector. They sent a fear factor letter in the mail threatening to take funds out of my check. Since I have known them to be irrelevant I have to step up and now and take action towards them and ask for proof of any transactions they claim I have made to them so they can be made fools of I can be left alone. I have stressed and endured harassment long enough over this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My EX-WIFE used my name, social security, personal finance information ( she would have had access to because of current alimony modification court proceedings ), to ATTAIN A " JOINT '' XXXX   XXXX REFINANCE on HER home. I have no doubt she forged my signature ; this is something she does repeatedly, to include on tax paperwork. 

I have contacted the company XXXX XXXX in XXXX XXXX ) and am disappointed thus far by their slow reaction. I have also contacted XXXX to have this person 's home removed from my credit. 

I even included my divoce decree which clearly stated that I have no liability, responibility or ownership of her home. This was XXXX years ago. I have not seen, spoken to or had ANYTHING to do with this woman in YEARS. I have a legal " no contact '' order against her. Yet now I somehow " jointly '' own a XXXX year refinance with her?! 

HOW can a loan company be this open to fraud, deception, and ID theft?
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I requested my free annual credit report from all three bureaus and I received it from XXXX and XXXX but none from Equifax. I further followed up with the bureau in particular on XX/XX/2023 via USPS again for a report and to date, I have received no response. 

It appears Equifax is furnishing a credit profile that is fraudulent and refuses to provide a report to dispute and exclude from my credit causing me harm from credit slander and defamation. Per 15 USC 1681, they are to provide a fair accurate report and not interfere with my general reputation. They are further liable per 15 USC 1692k civil liability and under 15 USC 1681n for willful noncompliance.

Failing to send you notifications about your credit report or score in violation of the FCRA. I further declare I am entitled to statutory damages based on Equifax 's conduct.
Product: Vehicle loan or lease

On XX/XX/2024, while shopping for a vehicle, XXXXXXXX XXXX XXXXXXXX assured me that, while reaching out to potential lenders for an auto loan, any inquiries would be SOFT inquiries. As it happens, they were not. I decided not to take out an auto loan and purchased the vehicle outright. Upon later checking my XXXX  files, I learned that the XXXX of XXXX credit department had sent my credit information to several potential lenders listed below : 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

To Whom It May Concern, I am writing to file an official dispute concerning inaccurate information on my credit report ( Account Number : [ Your Account Number ] ), and to address the ongoing failure by Experian to conduct proper and legitimate investigations into my dispute, as required under the Fair Credit Reporting Act ( FCRA ). 

It has come to my attention that Experian has consistently engaged in sham investigationsa practice that has been thoroughly exposed in multiple lawsuits and has resulted in your company being held accountable for violating federal consumer protection laws. Specifically, the case of [ Case Name, e.g., XXXX XXXX Experian ], as well as numerous consumer complaints, has highlighted your pattern of failing to properly investigate disputes, relying on incomplete and erroneous data, and ultimately not taking reasonable steps to correct inaccurate information. 

The information currently on my credit report is not only incorrect but is damaging my financial standing. Experians refusal to properly address my disputes or investigate them in good faith is a direct violation of my rights under the FCRA and the Consumer Financial Protection Act.

I am demanding that you take the following immediate actions : Thoroughly investigate my dispute in good faith, as required under the FCRA. This investigation must include direct verification with the relevant creditors and provide substantive evidence supporting the accuracy of any disputed information. 
If Experian can not provide valid verification, you are required to remove the inaccurate information from my credit report immediately. 
Provide me with a detailed response outlining the steps you took in conducting this investigation and clear documentation supporting any findings, per my rights under the FCRA. 


PLEASE REMOVE FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If this matter is not addressed promptly and correctly, I will have no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 
Pursue further legal action, including potential lawsuits for damages caused by your failure to comply with federal consumer protection laws and properly investigate my dispute. I will also consider seeking punitive damages for the harm caused by your refusal to meet your legal obligations. 
The law is clear : Experian is required to conduct a thorough, timely, and accurate investigation. Your current practice of conducting incomplete investigations is a blatant violation of my rights, and I will not hesitate to take legal action if this matter is not resolved immediately. 

You have 30 days to resolve this issue, as required by the FCRA. Should you fail to do so, be prepared to face not only formal complaints but the full weight of legal consequences for your continued disregard of consumer protection laws. 

Sincerely, XXXX XXXX Thank you for your prompt attention to this matter. I expect a response within 30 days, as required by law. 

Sincerely, XXXX XXXX LAST XXXX OF XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello im complaining to the public record who illegally entered and shared information without my permission to the credit bureaus. XXXX XXXX and XXXX have a partnership. I request to have this attested. My personal information should not be shared. I request it be removed from my report.
Product: Debt collection

Good afternoon, I checked my credit report 2 weeks ago and noticed 2 false collections accounts with a collection agency I never heard of or from. I disputed both accounts and was denied with no proof of this debt or any attempt to collect this debt. 
Both accounts are with Firstpoint Coll Resources for  {$330.00} for a visit to XXXX XXXX in XX/XX/2016, 3 years ago. I have paid all of my medical bills and have insurance. I also never received written notification or any communication about this debt. I do not owe this debt. 
The same company submitted another false account of {$91.00} for XX/XX/2016 as well. 
These are not debts I was ever notified of or given any proof of owing. Which is required by law. I have paid all medical debts and do not owe this debt. 
Thank you for your assistance in looking into this and disputing with this company.
Product: Debt collection

Global Payment Check Services requested documentation to support my claim of fraud. They are requesting a police report and notarized XXXX of forgery referencing this specific check. Please advise as to what documentation you need. The documentation you are requesting are not the steps my credit union provided me to dispute this matter, nor did it go to the extent of a police report.