23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I accessed the Credit Karma app using my XXXX and there was a credit card offer where Credit Karma claimed I had a 100 % chance of being approved, but on the off-chance I wasn't approved they would give me {$50.00} from their Credit Karma Guarantee . I applied for the XXXX XXXX and was denied. I reached out to customer service and their initial response advised it could be several days for the credit card lender to notify Credit Karma that I was denied and if I was eligible for the Cards Karma Guarantee, I would receive an automated email from Credit Karma. 

I reached back out on XX/XX/year> to customer service and this time they advised that I was eligible for the {$50.00} payment. The email response claims I would receive another email with steps on how to redeem the payment. 

I reached back out on XX/XX/year> asking about the email for the payment information and its as if I had never contacted customer service before. The new representative sent me an email with the same information the rep sent me back on XX/XX/year>. I responded to the new representative 's email with a screenshot from the XX/XX/year> and as of today have not heard back from anyone. 

With the way Credit Karma 's outsourced customer service representatives have treated me I think it would be safe to say the promise of a {$50.00} payment was simply to get more people to enter their personal information for them to have and did not ever intend to give anyone any money.
Product: Mortgage

My mortgage lender failed to submit payments for my property taxes, leading to accumulating late fees. I have contacted them several times, both via phone and email. When contacting them via phone, they requested that I email the tax bill so that it may be addressed. However, they failed to pay the bill or respond to any of my emails. As a result, I ended up paying for the taxes with my own credit card. 

Additionally, they have failed to respond to my messages regarding the annual payment of my home insurance, which is due on XX/XX/20. I would like to avoid late fees and may therefore make the payment on my own ; however, this would mean that I would be overpaying my mortgage ( given that it is inclusive of the insurance payment ) and am unsure how or if I would ever receive the refund or have my monthly mortgage bill adjusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX requesting validation of a debt they said I owed them in the amount of {$1300.00}. The original creditor was XXXX XXXX. XXXX XXXX replied back to my request on XXXX XXXX, 2017 and stated that this was a business loan secured by me with a personal guarantee and this was why the could put it on my personal credit. When I asked for the personal guarantee that I supposedly signed they could not produce it. XXXX XXXX went as far to say they were not a 3rd party collection agency and that the FDCPA rules did not apply to them. I could n't get anywhere with XXXX XXXX, so I decided to contact Transunion XXXX/2017, XXXX2017, XXXX/2017, XXXX XXXX/2017, XXXX/2017, XXXX/2017 and XXXX  XXXX/2017 to help me resolve this issue with XXXX XXXX. All XXXX bureaus gave me the run around and all I wanted was an honest investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 4 written requests to each of the 3 credit agencies XXXX, XXXX, and TransUnion to verify items on my credit report. 

In the results of each companies investigation and subsequent investigations, they stated in writing that they " verified '' these items and are being " reported correctly '' but did not provide me with any verifiable proof according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) & under Section 611 ( 5 ) ( A ) of the FCRA. 

Letters were sent to XXXX  on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX  on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 TransUnion on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 Each letter was signed and sent with a copy of both my driver 's license & passport card.
Product: Credit reporting or other personal consumer reports

I sent a letter to Experian on XX/XX/year>, asking them to reinvestigate these accounts listed. They did not reply within 30 days. I wanted to make sure that everything is 100 % correct and accurate. I requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7. 

XXXX XXXX XXXX. 
XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXXXXXX XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 


XXXXXXXX XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

XXXX, XXXX. 
XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 


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

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXXXXXX XXXX XXXX  Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It may concern I am filing this complaint against the credit bureau Experian. My complaint consists of Experian not properly investigating and reporting the XXXX XXXX that is currently reporting a {$4900.00} balance on my Experian credit report. The company XXXX XXXX, which is located at XXXX XXXX XXXX XXXX, XXXX IL XXXX, and contact number ( XXXX ) XXXX-XXXX. According to XXXX XXXX they sold this account to an unknown collection agency over four years ago in XXXX, but they are currently reporting the information to XXXX, and Experian as an open account which is Illegal. I contact XXXX XXXX on XX/XX/XXXX, by phone and asked the representative who I spoke to give me the collection agency information in reference to get this account resolved, and the representative decline to give me the current collection agency any information about this account. I disclosed to the XXXX XXXX rep. that this information is repeatedly reporting on my XXXX and Experian personal credit file, and I have the right to request this information, then the XXXX XXXX rep hung up. I contacted Experian numerous of times about this XXXX XXXX account that is illegally being reported on my Experian report. Experian response was that they investigated the dispute for the account, and they determined that the information is accurate. Experian is being misleading and untruthful, again this account was sold by XXXX XXXX to an unknow collection in XXXX, with being said it is illegal for XXXX XXXX to continue to report this account to Experian or any other credit bureau. Experian need to remove this XXXX XXXX account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX Balance : {$3900.00} XXXXXXXX XXXX  XXXX Balance : {$2900.00} XXXX  XXXX Balance : {$75.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018 I financed loan with XXXX XXXX a total of {$1900.00}, unfortunately I lost my job and got pregnant. My XXXX has been very hard for me and could not go to work, due to complications, such as ; stationary XXXX, XXXX XXXX XXXX, excruciating XXXX XXXX and XXXX. My husband talked to them on several occasions to be patient with us and explained the situation about my illness and my expired residential card which I need to find a job. This item also has a cost of over {$500.00}. They said that they would take the next step, which is a lawsuit. A constable dropped off a card with the case number and left it on the windshield of one of our vehicles. No papers were served. My husband called to find out what was going on and the person on the phone said that papers were to be served and that was the procedures XXXX XXXX takes.
Product: Student loan

I really have both Federal and Private loans via XXXX XXXX from XXXX XXXX. They promised me the world and well it all feel short. I realized everything was wrong when my teachers did n't nothing but leave the school because they did n't want to work for them. I was stuck!! Every time they would tell me I needed to come and sign up for my next classes I had no idea i was signing up for more loans. They told me they would help me get a job ... they sent me an app for a XXXX at XXXX : ( They said i could transfer my credits if i wanted to later on ... Wrong none of my credits could be transferred. They did stuff so fast there that you never knew what you were about to get into. When I went to just visit the location to see if I would like it they told me to take a test because I did n't have my SAT scores back yet. I took the test they said I passed I was excited told them I would think about it next thing I know I 'm some how signed up to start school the next month ... .... They are all scams!!! They knew a XXXX year old could never repay the amount of money they asked me too and at that time I had no idea what I was doing because they always lied to me. I have had XXXX XXXX workers ask me if i had a dying family member that could write me into their will so I could make my XXXX a month payment ... I had one tell me to go XXXX someone to be able to make a payment .... Now all of my credit is horrible and I ca n't really do much about it due to the fact I do n't make XXXX a month extra to pay them. I just need help
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting act. The account list below 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  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 that a consumer reporting agency can not furnish an 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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries I do not recognize : XXXX XXXX XXXX XXXX XXXX/XXXX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX EQUIFAX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX2022 Also, I have included my credit report showing the inquiries mentioned above. XXXX is charging me for two inquiries on the XXXX XXXX date of XX/XX/2022 it was duplicated please help me correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # 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 an account without my written instructions
Product: Credit card or prepaid card

XXXX was originally managed by XXXX. XXXX announced it would no longer be overseeing XXXXXXXX XXXX XXXX company. The new company/bank overseeing XXXXXXXX XXXX XXXX  is Comenity Bank . 

We noticed our new credit cards were not arriving. When we called Comenity to inquire regarding new credit cards, we were first informed they had to cancel our orginally issued credit cards because someone had attempted to register them fraudulently. Another representative failed to support that story and instead acknowleged that the company had never sent the cards and would be reissuing new cards. 

They never sent a last statement with updated balance even though they noted in a prerecorded message that new statements with current balance was mailed. 

We called in and were able to obtain our balance in order to make current payment. 

During a follow up call, we inquired regarding our rewards and informed them we would like to obtain our rewards. 

The representative hung up our telephone call. 

When we called back, they informed us that we needed to set up an account with them in order to obtain our rewards. They noted that in order to set up our new account, we needed to have our new credit cards. 

We informed them that we have yet received our new credit cards. They informed us that our new credit cards were on backlog. 

When we asked that our rewards be issued directly as a deposit to our bank as that is an option, they informed us that the Rewards page was down and they could not assist. 

We requested to speak to manager. We were unable to get one on the line following a prolonged wait.
Product: Credit card

Provided me with a deceptive pay off amount, and tried to collect more money than the quoted payoff amount. They refuse to work with me, stating in XXXX of 2023, to check back after XX/XX/2023, for a payment arrangement, in XXXX of 2023, contacted Avant and told me to check back after XX/XX/ 2023 for a payment arrangement, stating that they can not provide me with one. I started with a {$300.00} credit limit, and they total balance on the account is currently {$700.00}. They refuse to work with me as the consumer on getting the account resolved. Have asked for a settlement to get account paid and closed and still no help. The account currently continues to negatively affect my credit with fees even though I have tried to every avail to work with Avant in getting the account situated. I told them on numerous occasions the minimum payment they are asking for of almost {$400.00} is out of reach and wanted an arrangement, instead they try to instruct making small payments, which will do nothing to the overall balance of the account as it constantly is collecting late fees and outrageous interest fees.
Product: Student loan

In XXXX, I enrolled in a XXXX program at a university overseas to further my education. After much back and forth with the financial advisors at the university ( whom of which swapped often so I had to constantly repeat my requests ), I found that they no longer accepted overseas financial aid ( i.e. pell grants ) and federal student loans weren't accepted due to my institution being overseas. Due to the requirements of the student visa I was already granted upon receiving the XXXX  from the institution, I needed to pay the semester 's tuition upfront - around XXXX. Correspondence round this time wasn't given in a timely manner and tuition deadline was fast approaching. Ultimately, I was told my only option was a private loan with Sallie Mae as they were the only US company the school dealt with. 

Sallie Mae 's interest rates were astronomical, but I felt I had no choice as I couldn't pay the entire amount of tuition, health care upfront and support myself all at once. I went ahead with this for the entirety of my degree - final amount to pay back was XXXX. 

I worked as much as I was allowed to due to visa requirements. When XXXX began, I was stood down from my job due to the country 's strict covid restrictions. For nearly 2 years, the country was in lockdown and only essential businesses ran. I kept Sallie Mae up to date with my circumstances and asked repeatedly for options as it was the same year I would begin to pay back my loan. Their only option was to delay payments for a few months but made sure to disclose that the interest would still accrue. I obviously didn't want to do that as it didn't actually benefit me. Since my wife was considered essential, she continued to work. She ended up paying for all our personal bills - rent, utilities, food, etc. All the savings I had were put towards the loan payments. During a time of incredible hardship- Sallie Mae should be ashamed of themselves. 

Once I was allowed to return to work, I updated them again to ask for options as now my monthly payment had gone from {$300.00} to {$750.00}. At this time I was attempting to pay back both loans I had with them at the same time in order to make up for lost time during lockdown but the financial burden it put on me made it incredibly difficult. In addition to rent, utilities and food i also needed to pay for to survive, I had this looming debt hanging over me. I was often met with very little sympathy and felt completely hopeless for 2 years. Despite making my monthly payments, I felt like I never got anywhere with them. 

In XXXX, I was finally able to refinance and consolidate my XXXX loans from Sallie Mae with XXXX. My interest rate went from 21 % to 7 % and I've since been able to pay off 53 % of my balance. I'm much closer to financial freedom, no thanks to Sallie Mae. I continue to make my payments, often paying 3 times as much just to make up for the damage Sallie Mae has done. However, I can't ignore the fact that Sallie Mae absolutely took advantage of me during covid and my rare circumstance.
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. 

Bankruptcy : # XXXX, Bankruptcy : # XXXX, Bankruptcy : # XXXX, Bankruptcy : # XXXX, Bankruptcy XXXX, Bankruptcy XXXX XXXX, XXXX XXXX # XXXX, XXXX  XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX US DEPT ED # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, 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: Credit card

I received my credit application denial from Citibank on XX/XX/2023. The denial came in response to my application for a consumer transaction submitted XX/XX/2023, with the purpose of utilizing a portion of my unlimited credit. After careful consideration of the circumstances, I believe that this denial may potentially contravene the provisions outlined in the Equal Credit Opportunity Act ( Title 15 Subsection 1611 ).

I am concerned that my application denial may be based on criteria that are not in accordance with the regulations set forth by the Equal Credit Opportunity Act. I would like to request a thorough investigation into the matter to ensure that all relevant laws and guidelines were appropriately adhered to during the decision-making process. Furthermore, I would appreciate receiving detailed information regarding the specific reasons for the denial of my credit application.