23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was contacted by PHEAA in regards to a wage garnishment placed on my paycheck due to outstanding debt XX/XX/2019. They said they were representing AES and the US department of Education in regards to my student loans and that to resolve " all '' of my student loan debt and it was all, I asked several times, I would need to complete an aggressive repayment plan which I completed. Before completion, I was informed by a different agency that all of my student loan debt wasn't included. I am now working with XXXX and XXXX to settle the debt I thought was already settled. I can pay the full rehabilitation needed to be paid in full to rectify credit standings with XXXX and XXXX. 
I was approved for a construction loan until this debt ( that I had aggressively paid on time through rehabilitation ) was flagged on a report. I am not saying I don't owe the debt. My issue is if I am told all my federal student loan debt was included by an acting representative of the US Dept of Education only to find out it is not, is fraudulent and very misleading. I have asked for guidance with this and have been sent to the various subsidiaries of US Dept of Education super conglomerate only becoming more confused. 
I am now paying 11 percent interest on a loan because I was unable to get a construction to mortgage loan, because I trusted the word of PHEAA and AES.
Product: Debt collection

The collection agency IC Systems is showing on my credit report with the original creditor XXXX XXXX XXXX. I have not had any service with XXXX XXXX XXXX for over 8 years, and at that time I paid the final bill in full, and there was no money owed. I sent a letter to the company requesting validation of the debt, and have not received any response from them, and it has been over 30 days.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 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

XX/XX/XXXX I submitted disputes to Experian, XXXX and XXXX to get several issues resolved to no avail. 
All companies listed are in violation of the Privacy Act of 1974, Fair Credit Reporting Act 15 U.S.C 1681b and the Federal Educational Rights and Privacy Act ( FERPA ) 15 U.S. Code 6801 - PROTECTION OF NONPUBLIC PERSONAL INFORMATION ( a ) Privacy obligation policy 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 those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

15 U.S. Code 6802 - OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party Most Important is the violation of [ 16 CFG 313.3 ] DEFINITION ( o ) Personally identifiable financial information ( 2 ) Examples ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discovered recently I was being charged monthly {$11.00} for an unauthorized XXXX XXXX credit card from Chase Bank from a Chase Bank account that was closed on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I contacted Chase and informed them I did not authorize the XXXX XXXX Card and I did not receive a card or activate same. I was advised by Chase on that date that they would close the XXXX XXXX card as a possible fraud issue. On XXXX XXXX, XXXX Chase Cardmember Service sent a letter advising the credit card account is past due in amount of {$35.00}. Including past due amount and the current payment due. " Failure to pay this amount could result in your account being closed. '' On XXXX XXXX, XXXX my credit score dropped from XXXX to XXXX, a XXXX point drop, per XXXX XXXX web site. On XXXX XXXX and XXXX, XXXX XXXX customer service advise via e-mails there were no outstanding balances and " Customer was not aware of prime membership charges. '' On XXXX XXXX, XXXX Chase Cardmember Services advised via a letter regarding account ending in XXXX, " We closed this account to prevent fraud. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

someone use my identity and open auto loan, auto insurance, credit card and cable service I am a victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

I made a transaction with XXXX XXXX  on XX/XX/18 and posted a payment in full on XX/XX/18. It was after I made a payment in full I thought the transaction was over, but apparently the bank account number they had was incorrect. This caused my payment to not go through. They did not alert me or send me any notice the payment had not gone through, which is a breach of their fiduciary duty to me, the consumer. They let the late payment sit for months without any contact to me that I was late due to a bank error from XX/XX/2018 until in XX/XX/2018 they flagged me for collections and reported me to the credit bureaus as a 30 day late payment. This flagging my credit reports is the only way I found out I even had a late payment. It was then that I called and immediately paid in full and the representative reversed all late fees and admitted it was an error on XXXX XXXX 's part. I have now been in a dispute with them because they refuse to remove the error from my credit report and it is affecting my ability to obtain a mortgage. I have no late payments on my report other than this one made in error and I have always had a clean report. XXXX XXXX is trying to bully me into letting this go, but their representative already admitted fault in that they never contacted me one time during the span of 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am submitting a complaint against XXXX and Experian for a FRAUDULENT XXXX account. I have sent numerous letters including an FTC advising this account is not mine but they have ignored my request. I also saw a ton of FCRA violations ( different open dates, closed dates, activity etc ) From my understanding under the FCRA everything that reporting has to be 100 % accurate! This is impacting my score and needs to be removed ASAP! I have hired a FDCPA lawyer due to your negligence
Product: Debt collection

Hello I have reached out to the credit bureau regarding account # XXXX for this account 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.

Santander also had a {$550.00} million dollar lawsuit against them stating, Santander will resolve allegations that the bank violated consumer protection laws by putting subprime borrowers into loans that carried a high probability of default. 

I need this removed from my credit report immediately. 

This account has also been on my report for more than 7 years.
Product: Debt collection

i have told them to cease and dissist all calls, but they still call and this debt was not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting additional evidence for a current complaint that is under investigation. XXXX. As stated before on XX/XX/XXXX my Equifax svore dropped XXXX  points. As a result of them removing my XXXX XXXX XXXX account from my credit report. This was done without my request or authorization. Since then I've been checking my credit more often. And to my dismay, Equifax has continued to re submit the same false statement on my report. They've adjusted the dates. I checked my XXXX  report. For reference as to what my actual report should look like. And their information is correct. Equifax has blamed XXXX XXXX for the false statements on my report. The fact that, i can check my transunion on XXXX XXXX and their information is accurate. Shows that the fault is clearly with equifax.
Product: Credit card or prepaid card

I have a XXXX Visa Credit Card issued by Commenity Bank. 
I received an email from XXXX, the retailer, selling a XXXX XXXX instant pot. At the top of the email it said, Horray! you have an available credit line of XXXX. 
This email came unsecure with my available credit amount in it. 
I contacted Commenity Bank on XX/XX/XXXX at XXXX at XXXX and explained my concern of my available credit being sent in unsecure email and I didn't authorize this and I would like my privacy updated. 
She transferred me to XXXX XXXX customer service. ( I found out they are a division of XXXX ) I explained my reason for the call, she said she couldn't do anything for me. 
I called XXXX XXXX three times at XXXX XX/XX/XXXX at XXXX est, XX/XX/XXXX at XXXX est and XX/XX/XXXX ( twice this day ) once at XXXX and once at XXXX. I was transferred to their corporate customer service. I had to leave a voicemail. I never received a call back. 
I do not want Commenty bank sharing my available balance with XXXX so XXXX can blast that out in an unsecure email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  resident. I have disputed numerous times a Chapter XXXX Bankruptcy on my credit. I have been a XXXX  for 7 years. I called ohio bankruptcy and they stated they do not provide 3rd party  agencies such as Transunion, XXXX XXXX and XXXX do not provide the whole social security number. Bankruptcy does not verify information over the phone nor through the mail. The address on this Chapter XXXX is not that of my address which is my Nevada address. I disputed this bankruptcy with transunion stating this bankruptcy is not mine and the address of the bankruptcy does not match nor do transunion or pacer show the full social security number. Transunion removed the bankruptcy some time before and reinserted the bankruptcy without my knowledge of doing so. This is my final attempt to rectify this situation before seeking legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending numerous letters to Equifax for them to remove the account that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, XXXX seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

first of all i am NOT a career disputer if i dispute its because i have been wronged and i protect my rights I dont want any scripts in the answers here. I have been an american express customer a long time. I bought tickets to go to XXXX with daughter with this card. I have disputed the purcchase because there was a problem with security at the theater and i missed most of the show and as such preserved my tickets so i can get a refund or another show. They cotninue XXXX  to send their policies despite me disputing this twice now they keep sending their policies. which in no way address the fact that due to a local issue at the theater i was prevented from seeing the show. I want my money back and refuse to pay this. Twice now i have disputed this on my every day card and twice now its been closed in their favor. NOT handled right very frustrating. refund or i am done here. and i still wont pay it not for a show i missed due to security issue not my fault. Policies and procedures cant violate my consumer rights.
Product: Money transfer, virtual currency, or money service

Funds in my Venmo account were being transferred to a XXXX XXXX account that was not mine. From XX/XX/XXXX to XX/XX/XXXX, XXXX deposits for the sum of {$21000.00} were made into the XXXX account which is NOT mine. It appears that someone hacked my Venmo account and changed the bank from my XXXX XXXXXXXX XXXX to their XXXX XXXX. On XX/XX/XXXX the Venmo account somehow returned to my XXXX XXXXXXXX XXXX account. I have filed a case with Venmo on XX/XX/XXXX. I've not heard anything from them on the issue todate. I have reported the case to the XXXX, XXXX  XXXX Police Dept. I have filed with the Ohio Attorney General 's office, Internet Crime Complaint Center, my personal attorney, my accontant. I have also changed every password on accounts and established Identity Theft Service and accquired a pin for my taxes.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent ( XXXX ) ( XXXX XXXX XXXX ) Has violated my rights. 

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

15U.S.C 1681 Section 604A Section 2 It also States a Customer Reporting Agency can not furnish a account without my Written instructions.
Product: Debt collection

I am filing this complaint against Midland Credit Management ( MCM ) for violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
On [ Date ], I filed a CFPB complaint against MCM regarding [ Briefly state the nature of the original FCRA violations ]. Since filing that complaint, MCM has : Refused to engage in any communication with me : I have attempted to contact them via phone and fax since XX/XX/year> but they have not responded. This refusal to communicate violates the FDCPA, which requires debt collectors to cease collection activities during a dispute. 
Continued to report inaccurate information : MCM is still reporting fictional 120-day late payments, and incorrect delinquency age to the credit bureaus, despite my dispute. 
Continued collection attempts : MCM is still attempting to collect on this debt, despite the disputed information and their refusal to communicate. This is also a violation of the FDCPA, as they are required to stop collection efforts while a debt is in dispute. 
Under the FCRA, I have the right to dispute inaccurate information on my credit report. Furnishers of information, like MCM, have a legal obligation to investigate disputes and correct inaccuracies. Their refusal to communicate and continued reporting of inaccurate information is hindering my ability to exercise my rights under the FCRA. 
Furthermore, the FDCPA prohibits debt collectors from engaging in deceptive or unfair practices, including continuing collection efforts on a disputed debt. By ignoring my dispute and continuing collection attempts, MCM is violating my rights under the FDCPA.
Product: Mortgage

Early in XXXX applied for a regions bank home equity loan. Loan office was very inefficient and delayed the process stating that bank underwriters where not very responsive. The officer quit employment and moved to Indiana I was then introduced to new Bank officer XXXX XXXX. She said individual left and best to start whole process over, allowing her credit for transaction. I inquired if anything different and she said no. Process was completed and I was told there was a penalty for early termination except for sale of property. I sold property XXXX XXXX and title company send pay off figures which should have been XXXX. I was then informed that a penalty would be charged. I sent XXXX XXXX an email with information only to be told that the document required the penalty due to regions changing the contract during my application. If done before as i attempted their would have been no penalty. Attached e mails XXXX stated that she was wrong in her statement to me of no penalty at any time do to sale of property. She forwarded to bosses only to be told Federal lending laws prohibited the waiver. This response even after XXXX XXXX told Bank she misspoke and misled me. If the request was processed properly by bank loan officer I would not have received this penalty
Product: Debt collection

I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations.

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
Product: Student loan

I was handling my student loan by deferring them but I just received a letter stating my private loan was in default and XXXX XXXX has just taken over it but the loan that they have is not XXXX that I gotten out for myself. Now their threatening to take my earnings but I have n't finished school yet and wo n't til next year. I paid a XXXX dollars but I do n't believe it is my loan.
Product: Credit reporting or other personal consumer reports

Dispute of XXXX  Due to Identity Theft ( FCRA 605 ( b ) ) Dear All Credit Reporting Agencies, I am writing to formally dispute the inclusion of a XXXX  on my credit report. This XXXX  was filed fraudulently in my name without my knowledge or consent and is a result of identity theft. Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting its immediate removal from my credit report. 

I have enclosed the following documentation : 1. Identity Theft Report : A copy of the FTC Identity Theft Affidavit and/or a police report detailing the fraudulent activity.

2. Proof of Identity : Copies of my government-issued photo identification and a utility bill or bank statement as proof of residency.

Under FCRA 605 ( b ), a consumer reporting agency is required to block information resulting from identity theft from appearing on a consumers report within four business days of receiving : 1. Proof of identity, 2. A copy of an identity theft report, 3. Identification of the fraudulent information, and 4. A statement from the consumer affirming the fraud. 

This is my formal request to investigate and remove the XXXX  from my credit file. I also request written confirmation of the results of your investigation and an updated copy of my credit report showing that this fraudulent information has been removed. Failure to comply with FCRA obligations may result in legal action to enforce my rights. 


Sincerely, XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Signed contract for XXXX dollars under net credit : deposit under different name.debits violating contract of biweekly debits on payment day; pulled a day earlier. Phone calls saying they can help me : because I was denied ; left voicemail XXXXdebits taken without permission since had to discover net credit was enova deposited funds ; very deceptive practice and acting without my consent by debiting since under contract I was not approved .will provide denial of credit
Product: Vehicle loan or lease

The loan company are overcharging me for the repossessed and they are not applying the payment to my account. I been making payment and instead my account going down is going up with more charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.