23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

What I believe happened, is that University of XXXX charged me too much each quarter and semester. As well as their highly paid professors to teach us students online. The University of XXXX at first had me in another program or was going to change me program to reduce my balance. But that did not happen. So I stay in the program that I enrolled in. I did not go to this college to be a doctor or lawyer. But the debt balance should not be this outrageous highly. I am not working in that field because most employers are hiring for younger people. I have refinance and consolidate this high balance of {$110000.00} debt. This is a house payment or mortgage. Which I have neither at this time. This debt continue to appear on all of my credit report and there is no way to hide it on my report. It is too much. I can not get any loan to help me or give me a leg up or a hand up. There is no hope for me in this situation. I am not able to pay this debt off. The previous college that I went to did not cost me this amount of money. There haves to be a way to have this debt reduce down to {$30000.00} NOT up to {$200000.00} or a XXXX dollars in debt. Some of these loan servers and providers have placed me as a victim so I could finish my education on time. When I finish graduating from University of XXXX they said my debt was not that high. I believe the financial department and their admission office and other financial services at University XXXX XXXX had too many students with too many debt and it got mixed up with my debt. I want my debt reduce to a point that I can pay back. Or remove this debt period. It should not be this high. I do n't believe that this debt should be this high. Each private loan provider and federal aid provider itemized the debt and raised the debt with principle and interest rates that most American and students attending college could not pay back in a timely manner. It would take years to pay off this debt. This college charge me way too much. It should not have been that much. I was only there for less than 2 years. What the XXXX did University of XXXX Arizona do to me. I am not working fulltime but only part time and it is not even worth it. Please look into this matter and investigate what happen. Thank you.
Product: Credit card

On XXXX XXXX someone made XXXX atm withdrawals. I did not realize this had occurred until about XXXX that night when I checked my balance on the Chase app. Weird part is that the card was in my wallet. Once I found this out in contacted Chase immediately and filed a claim. Yesterday, XXXX XXXX I found out my claim was declined because they can not prove fraud. Chase 's excuse is that they ca n't prove I did not give someone my information or allow them to use my card. I informed them that it was not me, I would never give my card and PIN to anyone and I was at work all day and I ca n't be 2 places at once. They were extremely unhelpful and are giving me an extremely hard time because they said the card was in my possession. They refuse to give me money back. I filed a police report for identity theft along with getting a written letter from my job along with my HR manager contact information stating I was in deed at work and I in fact work in NJ. I told Chase I thought this was ridiculous and they made this determination with not looking into anything further because my debit card has a Chip. I told them I am telling them it was not me and if they can not protect my money or offer me anymore assistance what 's the point of even doing business with them. I know it was only XXXX transactions for {$500.00} but it 's my money and no one has the authorization to take my money from me. I am utterly disgusted and upset and may be contacting my family attorney for legal advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint previously regarding a 30 day late reporting on my credit by XXXX from XX/XX/2019. XXXX refused to remove the late because they feel they notified me by mail on a statement that I did not receive. 

My statements with XXXX are not always received on a monthly basis and they are sometimes received late. I do not recall receiving this specific bill. 

Additionally, on the bottom of the bill in tiny writing, it states that my account " may be '' transferred to Capital One. Even if I had received this statement the writing on this notice is very small and seems to be a general notice only affecting certain customers. 

I don't think it's fair for this 30 day late to stay on my credit just because they have a record of mailing out a notice. There is no record of me receiving this notice and I am stating here with penalty of perjury that I did not receive this notice. 

Please reconsider the removal of this late that is tarnishing my great credit record.
Product: Credit reporting or other personal consumer reports

There is income information still showing on all three credit agencys. My credit and social security information is hack and among the social security breach that occurred. 

Equifax and XXXX are reporting capital incorrectly. They reporting this delinquent when my balance was paid off several years ago. 

I have filed and turned in a police report and and agencies are still closing to hinder my progress to purchase a new vehicle and home. 

Everything I call or go online to dispute or submit. Equifax XXXX and XXXX seems to only send me to a link to siren up and pay for services.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for XXXX XXXX XXXX and FCRA Provisions To Whom It May Concern, I am writing to dispute inaccurate and fraudulent information appearing on my credit report resulting from the recent XXXX Data Breach of XX/XX/year>. This breach exposed sensitive personal and financial information, compromising my identity and resulting in unauthorized activity and inaccuracies on my credit file. 
Under Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to block fraudulent information from their credit reports if they are victims of identity theft.The Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. Additionally, I invoke the provisions of the Uniform Commercial Code ( UCC ), specifically UCC 1-308, which allows me to reserve my rights and request immediate removal of the inaccurate entries. 
The disputed accounts and items are as follows : XXXX XXXX  Account # XXXX & XXXX XXXX  XXXX Account # XXXX & XXXX XXXX XXXX XXXX Account # 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  Accounts # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  XXXX  XXXX Account # XXXX Inquiries XXXX XXXX XXXX  Credit Card XXXX XXXX XXXX  Credit Card XXXX XXXX XXXX  XXXX XXXX  Credit Card XXXX XXXX this XXXX XXXX XXXX will find the following documentation to support my claim : A copy of my credit report with the disputed items highlighted. 
Documentation proving the breach of my personal data in the XXXX incident. 
A copy of my government-issued ID and proof of residence for verification purposes. 

As required under the FCRA ( 15 U.S.C. 1681i ), I request that you conduct a thorough investigation of these items. If you can not verify their accuracy, they must be promptly deleted from my credit file.

Additionally, under UCC 1-308, I reserve my rights without prejudice and demand full compliance with my dispute, ensuring no further harm arises from the breach. 
I expect a written response within XXXX  days, as mandated by the FCRA, confirming the results of your investigation and detailing the actions taken. Should this matter not be resolved satisfactorily, I am prepared to escalate my dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant agencies. 
Thank you for your prompt attention to this matter. Please contact me at ( XXXX ) XXXX or XXXX if you require additional information. 


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

XXXX MUST CONDUCT LOAN REVIEW WITH TRANSUNION AND TO FIND OUT HOW TWO ACCOUNTS WITH THE SAME XXXX XXXX ACCOUNTS NUMBERS ARE ON TRANSUNION CREDIT PROFILES. 

DUPLICATED ACCOUNTS ARE MOST LIKELY THE BUREAUS ERRORS. A AUDIT MUST BE CONDUCTED UNDER THE PRIVACY DECLARATION ATTACHED.
Product: Mortgage

Quicken Loans, Inc. XX/XX/XXXX Complaint is about the company 's method of handling escrow shortages, and their refusal to keep my monthly payment the same, even after I paid the escrow shortage. 

I received a bill for an escrow shortage, and promptly paid the bill. Then I received another notice indicating that my monthly payment will still increase because of a future escrow anticipated adjustment. I agree to pay that amount now, so my payment could remain the same. 

I was told that this could not be done, and that if I wanted to keep my monthly amount the same, then I should look into a tax exemption or find a new insurance company with lower rates. This was because of a Quicken Loan , Inc. policy enacted in XX/XX/XXXX. Personally I think this is a financial fiasco dreamt up to keep more money in their pockets. 

There is no reason why I should not be able to keep my mortgage payment the same if I pay the escrow due amount. I am retired and on a fixed income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquiries I never authorized. I've disputed with the bureaus on several occasions and they refuse to assist me with getting them removed. The accounts are as follows XXXX XXXX XXXX & XXXX XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXNone of these were done by me or with my consent. I haven't shopped for a car or credit with any of these companies.
Product: Debt collection

This issue began last year,XX/XX/XXXX around this same time. I got into some financial troubles so fell behind on payments however each time I was contacted ( at this time only once per month ) I spoke with the rep and expressed my desire to NOT have the credit line closed and that I would make payments to catch up. Fast forward to XX/XX/XXXX, I made a {$300.00} payment towards a {$580.00} balance, it was only AFTER the payment was submitted and my credit report updated did that company then state the account was closed by consumer and they would not reopen, Ever since making that payment I have since been called on a DAILY BASIS! After SEVERAL requests to not be contacted and that I would cover the balance as soon as possible, They have since continued to call and recently started to contact my family members in regards to this account. They refused to remove the report stating I asked for the account to be closed which is a blatant lie, yet they continue to harass me day after day by leaving voicemails constantly.
Product: Vehicle loan or lease

I applied for a vehicle loan on XXXX.com where it estimated my rate based on credit score to be 4 % through a company called AutoPay. I completed the application and shortly afterwards got a text message saying my application was approved. I replied to the message asking what my rate would be, they replied with 2.44 % for 37-63 months or 2.04 % for 0-36 months. I agreed to these terms and decided to proceed at 48 months at 2.44 %. I later received a message from the representative stating that they were responding with the wrong numbers, wasn't sure if my application would be approved, and if so the rate would be nearly 4 times higher. I asked that a supervisor reach out to me. I received a call from a supervisor who stated they were giving me someone else 's rates and they would not honor the numbers quoted. I asked if this was the case to close my application and remove the inquiry from my credit report at which time they stated that wasn't possible.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is fraudulent though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNT : XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX Balance : {$330000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$51000.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Student loan

I took out several federal student loans to complete XXXX XXXX. The loans were then transferred to Navient to be serviced. I enrolled in the pay as you earn repayment program after advice from a friend. Once I was enrolled in this repayment program I enrolled in autopay to pay the amount required by the repayment program which was {$86.00}. I was alerted by the company that it was time to renew my repayment program on XXXX XXXX, XXXX. I submitted my application and received a confirmation letter that my application had been received on XXXX XXXX, XXXX. There after I was waiting for my application to be processed. I had not heard of approval of my application so I called the company on XXXX/XXXX/XXXX to inquire on the status. I was told that the company had what they needed and it was being processed. They granted me a forbearance request to postpone payments while my re-application for my repayment plan was being processed. On XXXX/XXXX/XXXX {$2200.00} was auto-debited from my account. I called the same day to inquire about the status of my account. I was told my application for the income based payment was stalled because of missing paperwork despite the fact that the company had told me it was complete on XXXX/XXXX/XXXX and never sent a notification that the application was incomplete. I requested to have my money returned and I was told it was a several week process. I submitted the necessary paperwork and was approved for the repayment program on XXXX XXXX, XXXX. I did receive a refund on XXXX XXXX, XXXXafter calling the company several times to push the request through the system. In addition to the financial hardship of being without the {$2200.00} for approximately 2 months I received a notice from Navient that I lost a 0.5 % loan reduction benefit for not making 12 monthly payments. Had the process worked as intended I would have made the payments from the income driven repayment program.
Product: Checking or savings account

I recently received some emails from Bank of America stating I opened two account with them. One of them was for savings and the other apparently for sales. It seems like someone is using my SSN to apply for this, I wish to take further actions. I called Bank of America and I was told I will receive a letter any time soon.
Product: Debt collection

Rent Recovery Solutions has a debt owed to XXXX XXXX XXXX that I have never had a lease with and I am not responsible for the money owed.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX about an account that didn't belong to me on XX/XX/year>. They would not assist due to I could not verify the information. Then I received a statement dated XX/XX/year> stating I owe {$880.00}. This happened after I disputed the information through the credit agencies. 
They explained that they could not assist due to I had already disputed the information.
Product: Payday loan, title loan, or personal loan

I took out a loan with Justice Finance in XXXX Texas. I lost my job and was unable to keep up with payments. Since I have been unable to make payments, they have been contacting relatives, who have nothing to do with the loan, and disclosing information pertaining to the loan, as well as making disparaging comments. The last time I spoke with them, I informed them that my Father had died, and that I was in the process of making arrangements for the funeral, as well as that I was still unemployed. This week they contacted my Mother, and made the comment that I owed them money, and that " I had the nerve to say that I was dealing with a funeral. '' I NEVER gave consent for them to discuss my loan or circumstances with anyone other than myself.
Product: Vehicle loan or lease

My XXXX  XXXX XXXX was involved in an accident that was not my fault. Toyota received a settlement check from my insurance company in XX/XX/2018. As of today they have not send the info needed to my gap insurance company. Apparently it is a copy of the check they received from the insurance company. I hired an attorney to help me resolve this issue and my attorney says they called Toyota several times in the past three weeks and Toyota says the hold up is an internal issue at Toyota and the check copy has not been uploaded. My attorney told them that this is negatively affecting me and Toyota just says they can't do anything about it. Their departments that upload paperwork are not located where they are so it's just tough luck and I have to wait. It's now been several weeks and we asked them for a timeline and Toyota just tells my attorney there is no timeline.
Product: Credit reporting or other personal consumer reports

Bounce AI isn't the orginal owner the account was bought and they have obtain my personal information with my permission. 

I didn't authorized Bounce AI to obtain my information, my rights to privacy were violated under the FDCPA & FCRA. I want them to remove from my reports.
Product: Credit reporting or other personal consumer reports

I am contacting you to raise serious concerns about several issues with my credit report. After reviewing my file, I discovered multiple inaccuracies, including incorrect account listings and inconsistent billing information. These discrepancies are jeopardizing my financial security, and I urgently request your assistance in resolving them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with Equifax. please delete an remove all data that invalid information. this is hindering my report. update the info listed.
Product: Prepaid card

I currently own XXXX American Express prepaid gift cards, in the amounts of {$50.00} and {$100.00} that I received within the past XXXX  months. I have trouble using both of them either online or in stores. I have gone online to the AmEx website, registered and checked balances, and both cards are loaded fine but I keep getting declined when trying to purchase items. I have had issues at stores like XXXX, XXXX, and XXXX. This is not the first time I have had issues with American Express gift cards either. It is very frustrating to have {$150.00} worth of funds but not be able to use any of it, anywhere.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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  has violated my rights. Or a list of inquiries : 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: 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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXI Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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: Credit card or prepaid card

Im in the XXXX as an XXXX, got to my first XXXX XXXX and started to buy essential items for general living. The credit card company let me go over my limit by around {$300.00} and didnt contact me whatsoever and now I am struggling to pay off the credit card and also maintain my well being and buy essential items such as food, clothes, and military gear.
Product: Debt collection

Pas due/Monthly Payment There should not be a past due or monthly payment reporting. 
mail.c Account Status : This field should report as closed if the account has been charged-off. 
Account Balance This amount should be reporting XXXX if it has been sold. 
Date of Last Payment/Date of Last Activity The DOLP ( XXXX XXXX ) and DOLA ( XXXX XXXX ) MUST report on ALL charged off accounts. In fact, they must report on ALL accounts reporting on your credit report. 
High Balance This amount should be higher than the " current '' balance that is reporting on all charged offs. If the charged off is a credit card, this field MUST be reporting. Such a thing is mandatory and required.