23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Writing with regard to the way in which income based repayment plans ( IBR ) are calculated for federal student loan repayment. There is significant variation the cost of living across the country and thus determination of how much one can " afford '' based on their income is not an accurate representation of what is affordable because where I live, i.e., XXXX XXXX XXXX, California, the cost of living is markedly higher than the majority of locations across the USA. Furthermore, the cost of living has doubled in the past year not only due to inflation factors, but also the cost of rent, utilities, gas, and basic everyday living supplies is markedly higher. Thus the calculation of my student loans has jumped to {XXXX} per month based on my income, however, this is markedly a higher percentage of my income when integrating the cost of living. 

Federal guidelines in determining IBR repayment is biased against those residing in higher cost locations and is causing me increased burden to manage my basic living expenses. Furthermore, it appears being single has an added burden of cost that is biased in that everything costs more for a single income earner compared to a partnered individual who shares the cost of living with 2 incomes. This is an added financial burden. 

The only other option would be for me to be in deferment which would further exacerbate
Product: Vehicle loan or lease

I received a loan for a vehicle through Bridgecrest. I do not receive a paper monthly statement to see the interest rate and breakdown of interest and when I log online to look, there is no interest rate posted for my loan. When I call, they say the interest rate is not viewable through the online portal. While this is not a variable rate loan, I should be able to confirm the appropriate rate is being used to calculate my interest without having to call in since they don't send paper statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
BANKRUPTCY file # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made countless requests to have this outdated account removed from XXXX XXXX Account number : XXXX my credit report. I have NEVER received a response from Equifax. This is a closed account as of XX/XX/XXXX, which stays on your credit report for up to 10 years since the date of the last activity. The Date of Last Activity is XX/XX/XXXX. ( see screenshots ) Negative information such as late payments or collections generally stays on your Equifax credit report for up to 7 years from the date of first delinquency. Equifax seems to keep updating this account as if this is current information. As of today, this account is 15 years and 5 months old. The Status date : XX/XX/XXXX is ( incorrect information being reported ) which will be impossible. I was XXXX XXXX XXXX XXXX XXXX. I lost all my cars and houses in XXXX. Equifax has not properly investigated the account. I want this old outdated account removed immediately from my credit file. I would like an updated copy of my credit report to reflect the deleted information.
Product: Checking or savings account

I am seeking the mileage reimbursement rate starting XX/XX/XXXX for travel to healthcare providers. This information does not appear to be listed on the OptumBank web site, the XXXX web site or in any documents issued to XXXX XXXX XXXX XXXX. 

In XXXX, the rate was {$0.00} per mile. The XXXX rate may be higher, lower or the same as the XXXX rate. 

I called Optum Bank and the rep said " We do not have information about the mileage rate. '' Please post the mileage rate conspicuously on the Optum Bank web site and let me know where it has been posted. 

Thank you.
Product: Credit reporting or other personal consumer reports

Hello, I need to address an issue with the personal information on my credit report, as it is inaccurate and has been causing significant challenges with my credit applications. This has been incredibly frustrating and is creating unnecessary stress.
Product: Mortgage

To whom it might concern, I have a case issue with Wells Fargo Bank, Home Mortgage Department.

I declined the mortgage ( This is not the case ). While applying, I paid for appraisal services, and I ask the bank to transfer the appraisal to the new lender. Bank official refused to transfer it at the first place. I attempted to request this transfer from more senior people. I was provided with 2 lines of the letter ( attached ), no signature, no sign from whom, nor the indication and confirmation regarding compliance with AIR ; the letter was obviously declined by the new lender.

Once I asked Wells Fargo to provide the required letter, this stands thy follow AIR rules and regulations. They officially refused to do this. It means they are not in compliance with Appraisal Independence requirements, so appraisal report they ordered is not in compliance with Appraisal Independence Requirements. So I waster my money on the useless paper, which could neo be used by any lender and by the bank itself.

This is the report I paid for, and at this moment I do not have time to do another appraisal.

Please advise how do I make them comply with this the law. I get his transfer letter.
Product: Credit card

Amazon has been charging me {$9.00} for XXXX  years for a music service that I did not request or have. 
In fact, XXXX years ago I canceled this service that they try to push on to me. And then they put the service back on my amazon credit card without my permission XXXX months later. 
When complaining about the charges I asked customer service can you tell if I use your service? They stated that the records show that I do not and I have not used that music service.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I contacted Transunion that there was inaccurate information on my credit profile and asked for it to be removed and nothing was done it has now been 60 days and the item is still there, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once. 

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

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX  My correct address is : XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is insensitive to my age and health situation and is denying me credit and filing incorrect credit reports with missing information or old information that is not relevant this is clearly affecting me XXXX and XXXX and placing my health at risk and denying me a XXXX credit card through XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was made on time. My records show that the payment was submitted in XXXX and XXXX, XXXX, well before the due date. I have attached bank statements and payment confirmation receipts as evidence of this timely payment. 
Additionally, I did not receive any prior notice or warning of a delinquency, further suggesting that there was an error in processing or crediting my payment. 
This inaccurate late payment entry has resulted in unjust negative consequences on my credit score, affecting my ability to secure favorable credit terms.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 I got an email stating my account had been closed due to an overdraft. I set up direct deposit at my job and it was never processed correctly. I never used my card for anything except for the money I deposited and used. I contact wells fargo several times and no one listened or responded to my claim. I was in the hospital from XXXX Fighting for my life from XXXX. I didn't reach out at that time because I was unable. My account being closed has caused me to struggle. 

Account ending in XXXX
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.ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 U.S.C. 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
15 U.S.C. 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE 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. 1681 -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

My student loans were discharged on XX/XX/2023 due to total and permanent military XXXX. XXXX is the only credit reporting agency who has removed the student loans from my credit report as instructed by XXXX and the Department of Education. I have contacted XXXX and Experian on several occasions and provided them with documentation and they still will not remove the loans. This is preventing me from being able to obtain a mortgage or anything else. They keep giving me the run around saying their is nothing they can do.
Product: Checking or savings account

I went in person to XXXX XXXX. ( XX/XX/XXXX ) to file this dispute I then received a letter stating that the merchant did not violate any XXXX rules and regulations. They never provided me any information as to why they denied my claim or why they closed my case. They claim the merchant provided proof that it was a verified charge. I did agree to the charge but I never received my product or the service I paid for. 

I ordered a XXXX and the service was sub par absolutely horrific. It should last XXXX month. I asked the merchant to just give me XXXX and she said she could fix it. She did something and charged me again. XXXX times from XX/XX/XXXX to XX/XX/XXXX a total of XXXX and I still had to go to another hair salon to fix what she didnt do correctly. 

I have been ripped off and XXXX is allowing it. They have a fiduciary responsibility to me. They never provided me with any substantial information regarding my dispute. 

On XX/XX/XXXX I paid for a XXXX. I gave permission for the amount of XXXX ( XXXX charged to the card and XXXX in cash ). I never received the customized XXXX.. I want my money back immediately. 

TRANSACTION : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX XXXX Case Ref No. : XXXX. I feel like these credit card bank companies should give me XXXX time courtesy for what I went through. I want the case to be re-opened. I'm a senior citizen and XXXX on a fixed income.. She took XXXX  my XXXX income. I did not receive any documents from XXXX regarding the case. I never got the service that I paid for. 

I have been ripped off by this merchant by XXXX Im on a fixed income. I never got what I paid for. 

I want at least XXXX of my money back XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

I spoke with XXXX people at XXXX XXXX. The XXXX was a man who was very threatening and said my husband would go to jail, etc if I did not pay back his debt that we did not know about. The XXXX was an aggressive woman who actually called me a XXXX after she threatened me. I was legitimately very scared after they threatened my husband and myself. We do not even know what this debt is for and when I asked the man he said he did n't know. Now my husband 's credit report was hit with a civil judgement.
Product: Debt collection

I have contacted this company on several different occasions regarding the company fraudulent attempt to collect a debt. 

The FDCPA provides debtors with a means for challenging payoff demands, and for determining the validity and accuracy of asserted debts. 15 U.S.C. 1692g.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

I requested that this company provide proof of ownership and the company refused to do so. The court has recognized that a consumer should not have to pay a debt to one party only to find out later that another party is the true owner XXXX XXXX XXXX XXXX XXXX. Adequate proof of ownership is essential because debt buyers purchase large portfolios of accounts. A debt buyer must prove it has been assigned an account through proper documentation specifically related to a particular account at issue. XXXX XXXX XXXX XXXX XXXX XXXX This company failed to provide such documentation.

The courts have held that a memorandum or other statement from the debt buyer of 3rd party collector that it has received assignment of account at issues is insufficient. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested a copy of the original authentic contract to verify the validity, terms and conditions of alleged debt. 

I requested a full authentic billing statement that would show the attempted balance is correct. The company failed to provide such information. 

Without being able to proof ownership, a contractual obligation, or certify a balance this company is in default of the Fair Debt Practice Collection Act.

I provided affidavits of truth as well in an attempt to resolve this matter as permitted by the Federal Civil Procedure Code and the company failed to provide a rebuttal and is currently in default.

Furthermore I have never provided the " original creditor '' with any permission to provide my information to a debt buyer or 3rd party collector. This company is infringing on my right to privacy.
Product: Student loan

I have repeatedly contacted Nelnet for assistance in designing something that will allow me a payment that I can afford. The information that I have been given has been completely misleading, several times, and in actuality false. I have continued to contact them, never getting any assistance. I was told to consolidate my Parent Plus Loans - this was last fall. After I had been told previously not to do so. I questioned Nelnet thoroughly about this and was assured it was the right thing to do. And then my payment more than doubled. I was then told that it was because I had consolidated. Which was the advice given to me by the Nelnet load advisor. 
I have been through XXXX different sets of paperwork, all different, all needing the same information. I have called and spoken to 6 different people, none of who could tell me the same thing - except they had a " program that I qualified for '' in front of them. Each time I was given false information. Each time Nelnet could keep getting interest accrued on my account. The last person, a supervisor named XXXX approved a Mandatory Deferment, based on my net income, not gross income. I asked several times if that is what she meant and I was assured that it was. I again completed paperwork, only to find that AGAIN I did not qualify for any help - and my payment would stay the same. I have been clear with them that it was because of their misleading information and seemingly untrained staff who give out false information that I feel as if they have conned me. At this point, while they say I can pay the 20 % of my income, I can not. And I have repeatedly said I would pay {$100.00} per month. I am being financially crushed. I am a XXXX year old widow. I helped my daughter complete college with the Parent Plus Loans. I went to college when she was young to better myself. I am not better off at all, if anything I am worse off. I need assistance and a solution.
Product: Debt collection

Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.XXXX XXXX XXXX XXXX XXXX
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 Report. 

The XXXX Credit Bureaus are reporting inaccurate information on BEST BUY/CBNA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

Midland Credit Management sent me a letter saying I owe a debt and are harassing me with many phone calls, this is a complaint, they need to seize all communication with me, my place of work, or with family, they also need to validate this debt. I do not owe this company any money I have no contract with this company and haven't received any product or services from this company.