23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I graduated from XXXX XXXX in XXXX of XXXX with over {$170000.00}. After years of the school doing the following : Lied about graduation rates, job placement rates, and potential salaries on graduation ; Lied about available grants, scholarships, and financial aid ; Enrolling students regardless of their qualifications and ability ; Failing to properly inform students about loan options available and the differences between federal and private student loans ; Misleading students about the actual costs of education at XXXX ; Misleading students about accreditation and the transferability of credits. 

After graduating I exhausted all efforts to go on an income based repayment program but was denied, I took every forbearance I could but I still was unable to pay over {$1300.00} dollars a month and soon defaulted on many loans. 

The harassment from debt collectors was dozens of calls a day and ruined familial relationships with those that cosigned on loans for me. The repayment caused a huge strain on my marriage and is now a huge topic for my divorce. 

My interest rates were between 9 and 14 %. Even though I have worked hard to pay nearly {$100000.00} back I have only paid towards my interest and am still nearly {$300000.00} in debt. 

On XX/XX/XXXXXXXX  the XXXX XXXX sent the department of education XXXX XXXX XXXX Paper : A Borrower 's Investigation details the specifics of the predatory nature of the school, including 4,600+ pages of evidence they have collected against XXXX and CEC by the borrowers themselves. The evidence comes from lawsuits, settlements, congressional testimony, and federal investigations. Furthermore, the Ask Letter cosigned by 12 organizations including, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and others collectively recommends the broad cancellation of all XXXX XXXX loans. 

We are asking the XXXX  to support the borrowers by asking the Department to cancel their loans before the end of the year to ensure they receive cancellation before another administration takes office.
Product: Credit card or prepaid card

I have a pay pal account for years. In the month of XXXX and XX/XX/2021 thye did nit send me a bill. This wads their mistake I always get mailed bill for years. They kept sending me e mail bills were late. I went on line and found late charges and no mailed bill. I copied both and mailed a check and ask they remove late charges. The lady was not polite but did remove late charges. Never been late on any bill ever. What they failed too do is remove this from my credit report. My score for many years is XXXX plus almost prefect that I take pride in. Now thanks to them Pay Pal it is XXXX! I feel they should correct the data and get my score back. I told them one more error and we are done with them. This is unfair trade practices. They made the mistake yet they want to blame me. I am still waiting for a bill for this month? I wrote them a letter all they did was send me copies of bills that I printed on the internet and paid. Can you please ask them to just mail my bill and I will pay it. I am not paying late charges or interest for their mistakes. Please run a credit report on us and you will see I am being truthful. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .I just want my credit score back!
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of BLATANT identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Navy Federal Credit Union suppose to have covid programs. They are charging way to much in fee 's & now that I have covid they aren't been helpful.
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies, XXXX, TransUnion and XXXX have not responded to my dispute after I have tried to let them know that they are furnishing inaccurate information. According to the law 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

The Consumer reports must be accurate this is law! I sent out my dispute on XX/XX/2023, and they did not respond and did not delete the inaccurate information off my consumer report.
Product: Credit reporting or other personal consumer reports

This is my numerous 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 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 {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$320.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} ; XXXX XXXX XXXX XXXX XXXX  : {$3800.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$590.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Debt collection

After receiving an alert on my XXXX  consumer report from XXXX, I noticed that a company named Medical Data Systems furnished negative account information to XXXX on XX/XX/XXXX about an alleged debt, that I have no knowledge of ever owing them. I never heard of this company and have NEVER received any initial communication about this alleged debt. To furnish this information without communicating with me first, is a clear violation of my consumer rights. It is clear that this company is " Debt Parking '' this debt on my consumer report without even attempting to communicate with me. This is a clear violation of my consumer rights under the FDCPA and the FCRA. To use this unfair and deceptive collection tactic is a major violation, that should not be overlooked by the CFPB. This is the second company that has attempted to " Debt Park '' a negative account that I have no knowledge of on my consumer reports through the CRA 's. According to the CFPB, Regulation F ( effective date XX/XX/XXXX ) implements the FDCPA, prescribing Federal rules governing the activities of debt collectors. Even after this rule change ( effective date XX/XX/XXXX ) this company still chose to violate my consumer rights. This is no doubt a pernicious practice that needs to firmly addressed by the CFPB. 
Violation # 1 : According to 12 CFR 1006.18 ( d ) A debt collector must not use any false representations or deceptive means to collect or attempt to collect any debt. This company clearly violated this rule by " Debt Parking '', which is defined by the FTC as an unfair and deceptive collection practice.

Violation # 2 : According to 12 CFR 1006.30 ( a ) ( 1 ) A debt collector must not furnish to a consumer reporting agency as defined in section 603 ( f ) of the FDCPA 15 USC 1681a ( f ) information about a debt before the debt collector either speaks to the consumer about the debt in person, or by phone, or places a disclosure in the mail, or sends a electronic message to the consumer about the debt, and waits for a reasonable period of time to receive a notice of undeliverability. The company listed in this complaint clearly did not follow this rule, and decided to overstep the rule of consumer law and " Debt Park '' this debt on my consumer report anyway.

Violation # 3 : According to 12 CFR 1006.34 ( c ) A debt collector must provide a consumer with validation information such as a debt collector communication disclosure, information about the debt, information about consumer protections, and consumer response information. By this company 's complete disregard to follow this rule under the FDCPA and FCRA has resulted in neglecting my consumer right to dispute and my right to request validation of this alleged debt.

In this complaint, I've clearly pointed out three ways that this company has violated my consumer rights under the FDCPA and the FCRA. By using this unfair and deceptive debt collection tactic they have damaged my XXXX consumer profile. 
Medical Data Systems Account # XXXX Date Opened : XX/XX/XXXX Date Last reported : XX/XX/XXXX
Product: Checking or savings account

Ive had numerous fraud charges on my account and in my last claim which consisted of many XXXX orders that legitimately werent mine and Wells Fargo responded with letting me know they were closing my account and deemed it fraud on my behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to the 3 credit bureaus informing that an account is reporting that I have no knowledge of and I am a victim of identity theft. This account, XXXX XXXX XXXX continues to report on my credit report causing harm to my credit score.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with experian Credit bureau Checking into an existing problem I have XX/XX/XXXX report and in accurate information on my credit report I contacted them directly XXXX they have no records please update the system immediately my family is homeless behind this matter did they say this account was open in 2020 I thought Identity theft report since then Please validate this matter Im serious this is a serious
Product: Credit card or prepaid card

I've tried to make several purchases with my Indigo card. They have been declined. I have never defaulted with Indigo on any payments. Whenever I call I am told there are no holds on my card. Today I received a letter asking for my id to be sent to Indigo. I then called Indigo to request their email address as I don't have a copy or fax machine where I live. I do have my driver 's license on my phone to send them a copy but Indigo does not have an email address. Indigo is unwilling to allow me to send my driver 's license by email and therefore has refused to take the hold off my account with them. I have two credit cards with Indigo. The first card I had with them was paid in full including a yearly finance charge of over {$50.00}. I still am not allowed to use this account or the second account I have with Indigo. This could be solved if Indigo would accept my driver 's license per email.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account capital one # XXXX datesXXXX & XX/XX/XXXX account XXXX XX/XX/XXXX & XX/XX/XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : Creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.
Product: Mortgage

We started the Short Sale process on XX/XX/2021 and submitted all the necessary documents ( statements, pay stubs, W2s, Tax Income, etc. ) to First Bank of Puerto Rico. Then they requested more documents and we submitted them on XX/XX/2021. Then, First Bank of Puerto Rico send a letter requesting more documents, this time new documents that were not part of the initial packet. On every occasion we submitted the documents promptly. Again, on XX/XX/XXXX they requested more documents and were submitted the next day. We have been trying to constantly communicate with the Loss Mitigation Specialist but no success. Her info is : XXXX XXXX XXXX XXXX XXXX Loss Mitigation Specialist Mortgage Default Tel XXXX Ext. XXXX I called on XX/XX/XXXX and left a message with a person from First Bank that was going to reach out to XXXX XXXX but at this point we still haven't received an update. This process started more than 6 months ago and we still haven't heard a decision on our case. Thanks.
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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Mortgage

This is the third time I reach you to help me to cancel the pmi last answer I received was that my mortgage company offered an alternative cancellation of pmi if I did appraisal and my home value was XXXX or above and I did appraisal by Mr cooper before and my home value was XXXX so please please read the attached file this is the appraisal that I did before by my mortgage company and it was XXXX $ The attached file is the appraisal did by them Again the attached file is the appraisal did by Mr cooper ( my mortgage company ) Please please please read it the home value is more that XXXX $ you must cancel the pmi
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with comenity/Victoria secret for XXXX. On XX/XX/2020 Upon opening the cc account I placed an order for XXXX. I received the items on XXXX XXXX. I never received a physical credit card from them, just the bill. On XX/XX/2020 ... I received an update from my credit report stating that my account was closed. I did not close it and on top of it ... it was on mycredit report as a closed account and it caused my credit score to drop. 

I call Victoria Secret to find out why the closed the account and also called comenity. The provided me with a comenity dispute P.O. Box number ... and did little else. 

I asked both companies to remove the closed account ding off my credit report and they said they could not. Btw I paid the XXXX bill because I received the items and didnt want it marked as late.
Product: Debt collection

I called Citibank to notify them my husband has passed away, I would apply for a card in my name, approximate date XX/XX/2018. I was assured a final statement would be mailed to the home, same address for 27 years. I advised them the card was set up as " paperless statements '' with auto pay account in full each month. By XX/XX/2018 no correspondence or attempt to reach me by telephone to let me know the account was past due and sent to collections. My checking account indicates the amount to be debited on XX/XX/XXXX was not drawn by Citibank, therefore the card is delinquent. I have talked to a total of 7 customer service representatives, I have been disconnected, not provided with thorough accurate instructions on how to settle this account. I want late fees, interest and charges against my credit rating rescinded and I want to pay outstanding amount due. The resulting interaction with Citibank has consumed a minimum of two hours of my time with no result other than failed attempts at a resolution. Without a final statement how can I not prove there are unauthorized charges on the XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated. 

BELOW THE ACCOUNTS NEED TO BE update these has been paid. Please update it to PAID ASAP. 
XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit card

Dear Consumer Financial Protection Bureau : Hello! 

I am writing this complaint against Chase Bank. I have a credit card with them. 

I called Chase bank this afternoon, Wednesday XX/XX/2024. My call was in regards to a phishing charge I received via email from XXXX XXXX. The charge was allegedly for a XXXX security yearly charge. 

I DID NOT make this charge to my account, either online or at a physical location. 

I first spoke with a Customer Service Representative named XXXX ( phonetically spelled ). I told him my concern of a possible charge of {$410.00} being charged against my credit card acount. He looked up my account and said that as of the time I was speaking to him, around XXXX XXXX XXXX XXXX XXXX said as of today there was no charge of that amount. I asked him to put a note/alert on my credit account so they would know this was fraud. The phishing email said this would be posted to my account within 24 hours. I wanted Chase to be aware of my concern NOW ... not 24 hours from now!! He said he would have a representative from Chase 's CFG department help me and transferred me to that department. 

I then talked to XXXX from that department. She asked if I opened any links from an XXXX XXXX. I said yes, but not to a PDF link. 

She suspected this was a Phishing email. She said I could update my account through the Chase 's mobile app. i told her I do not do Mobile banking. She then wanted access to my computer and phone to verify my identity. I declined. I told her all I wanted to do was to have Chase put an possible alert on my credit account/ file that if they receive a charge of that amount, Chase would know that their customer /client alerted them of a Phishing charge /unauthorized charge and would erase that charge from any bill., to let them know that I have brought it to Chase 's attention and that I would dispute it. XXXX, the Consumer Fraud rep, declined to do that. All she kept saying was to update my mobile app. And I kept telling her that I do NOT do online banking! 


I asked XXXX, the Chase Consumer Fraud rep, if I could speak to a supervisor. She said she was a supervisor. I asked to speak to her supervisor, she declined. I told her I was going to call a Fedferal agency and hung up. 

I was NOT happy with Chase Bank. I have been a customer with them over 5 year. My experience with them this afternoon has been very poor. 

I wouldl appreciate any help from the CFPB in this matter. 

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

15 U.S. Code 1666i-1 ( a ) Opt-In Requirement for Over-Limit Fees A credit card issuer can not impose an over-limit fee unless the cardholder has expressly opted in to allow transactions that exceed their credit limit.

The opt-in must be a separate agreement, and cardholders must be given clear disclosures of the terms.
Product: Vehicle loan or lease

My car was totaled the insurance paid part of it in XXXX the fair market value which was almost {$10000.00} they filed the first claim with The Gap wrong first month because they didn't upload any documents which I had to fix the next month I had to go in and send them the correct installment loan because they sent somebody else 's with my account for a XXXX XXXX instead of the vehicle that I had bought I got that fixed they continuously said they had not gotten a check until the day another loan payment was due that they were trying to make me pay for a vehicle they had already received money for they made me pay {$400.00} extra to close the account and XXXX months later they get an {$800.00} check that they lied to me and said that it was canceled and then they said well they didn't know how to figure it out if they were going to send it back to the gap insurance so that they could refund me the money or if they were going to refund money they reopen my account for the third time after it had been closed and kept the check and said they don't owe me anything they did not take the interest off that they were supposed to and they continuously have light about what they're doing it was 3 months later that they got that check they said that it canceled it hadn't then they deposited and instead of refunding me my money because the account was already closed they kept it
Product: Debt collection

I am writing to follow up on my previous communication last time via mail, in which I requested validation of the alleged debt that I found from my credit report. 

COLUMBIA DEBT RECOVERY Original creditor : XXXX XXXX XXXX XXXX