23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been applying for IDR plan for months and getting denied. I have a household size XXXX, and my husband and I are both unemployed and they are trying to make me pay {$470.00} a month that I can not afford. Ive submitted documentation several times and they have yet to lower my payments and deny me. They have predatory lending practices and FedLoan Servicing Inc. Ive gone into foreclosure and had my vehicle repossessed and submitted documentation they say they never received and still wont lower payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I sent dispute letters to Equifax and XXXX about a bankruptcy listed on my personal credit report with several errors. They both came back as verified and accurate so I sent the information to the Bankruptcy court to get the issues fixed. However I was given a letter directly from the court staying they do not give any information for credit agencies good or bad. They do not report to any Credit agencies. So this means this information wasn't verified like they said it was.
Product: Credit card or prepaid card

At the beginning of XX/XX/2018 Chase closed all of my credit card accounts without prior notice or permission and refused to refund two {$95.00} annual credit card fees that had been charged less than two months prior. Despite meeting all of the spending conditions to earn a welcome bonus of XXXX XXXX on my now-closed British Airways Visa card, Chase refused to release the points to my British Airways account. XXXX points earned on the now-closed Iberia Visa card were also forfeited. I suspect that Chase closed the accounts to avoid paying out the XXXX points, while keeping the combined {$190.00} in annual fees. If a credit card issuer can close a customer 's account for any reason, refuse to refund the annual fee, and forfeit the earned points, how can any consumer be confident that they can actually use the credit product they've paid for? I have been a loyal Chase customer for over four years and have made 100 % of my credit card payments on time and in full. I was very disappointed by the unwillingness of the customer service representative and her manager to come to a fair resolution for this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters to Experian now twice about things I saw on my report that were not right. Now I'm frustrated and stressed and read through some stuff online that they were supposed to get back to me in 30 days or take the items off. I need this stuff taken off now as it has caused me alot of stress and I'm trying to buy a house.
Product: Mortgage

I was granted a loan forbearance by Shellpoint/NewRez pursuant to the CARES Act. This forbearance expired on XX/XX/XXXX, and I was advised that Shellpoint elected to exercise the loss mitigation option of adding the forborne amounts to the end of my loan. 

Upon conclusion of the forbearance period, I was granted a deferment by them on XX/XX/XXXX. The deferment agreement specifically states that my next payment is due on XX/XX/XXXX, and that the payment amounts between XXXX and XXXX will be added to the end of my loan ( i.e. due upon either payoff or loan maturity ). I fully intend to resume loan payment as on XX/XX/XXXX, as my hardship will have ended by then. 

Despite the above, I continue to receive communications from Shellpoint telling me that my loan is " delinquent '' and " past due '' and asking me to contact them for " options on how to avoid foreclosure. '' I have spoken with customer service representatives at Shellpoint on XXXX occasions now, and they keep reassuring me over the phone that they will not take any adverse actions and that my next payment is not due until XXXX, but that they " can not suppress collections letters. '' I think that Shellpoint continuing to send me correspondence that my home is going to be foreclosed on despite having contractually agree to a loan payment deferral until XX/XX/XXXX constitutes an unfair, deceptive, and abusive practice under the Dodd-Frank Wall Street Reform and Consumer Protection Act, and is also a violation of the Fair Debt Collection Practices Act. 

I would like the Bureau to order Shellpoint/NewRez to cease sending me letters telling me that my home will be foreclosed on while the loan is in deferment. 

Thank you.
Product: Credit card

It is very simple. Citi closed XXXX of my LONGSTANDING credit card accounts because I did not use it enough for them to make money off of me. They did not warn me in any way that they were going to close my account. By closing the account, without warning, they have messed with my credit history and therefore my credit score. I could have EASILY used the card had they provided me with some sort of warning. Once again, a huge company is thinking of its ' bottom line and completely disregarding their affect on the consumer!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Note that creditkama, stated that if I applied to XXXX XXXX there wouldn't be a hit on my credit score and that was a lie because my credit score dipped from XXXX to XXXX. I contacted XXXX XXXX and Creditkama, because they both lied and when I made a complaint my score went down another two points. Note that I checked the box on Creditkama.com not to send me anymore credit card offers, but they continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report 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 card

Signed up for US BANK XXXX rewards card during XXXX XXXX, using their XXXX promo site at XXXX. At the sign up bonus given was XXXX plus extra for each XXXX XXXX won. Total bonus should be just around XXXX XXXX XXXX sign up bonus and around XXXX Olympic bonus ). I called US bank in XXXX ( only call made that month XXXX to confirm everything is good with all promo and a female service rep was able to confirm. Now 4 months later US bank is claiming I dont qualify for XXXX extra since they do n't track correct enrollment. I consider this complete fraud and false advertisement on US BANK part. Also after googling my issue, it seems quite a few customers had same issue with US bank not honoring its own promo.
Product: Mortgage

First, where is the form to report discriminatory practices generally? : Your form is designed to keep the real problems from being reported! In doing so, you are assisting the fascists banks you are supposed to protect us from. You cant tic tac toe everything! 

There is a disturbing trend with large U.S. banks most notably Bank of America ( BofA ) and XXXX using their enormous market power to discriminate against customers based on lawful firearm-related business activities. ( Ok, I paraphrased text from the XXXX ) However, this is a major problem and one I have already informed my congressman ( XXXX XXXX well see is he actually listens to his voice mail! ) It has always been important that banks and financial institutions be neutral turf, staying outside the political issues of the day. As important for these institutions to keep their activity legal, and not knowingly support criminal actions, it is more important that they do not BECOME legal authorities themselves. This approach was most effectively used by XXXX XXXX in the XXXX to align XXXX to his authority. And it went way beyond his attack on XXXX XXXX citizens. We must learn from his evil. 

This is even more important in the age of digital currency and electronic transfers. Our financial institutions have become, for better or worse, the circulatory system of our society. To cut anyone off from that system, no matter how extreme ( and lawful manufacture, transportation, sale and possession of firearm is in no way extreme! ) is to create a subclass in America. Believe me when I say that this fascist approach to social change will not end with the firearms debate. We already are seeing attacks on churches, business, clubs, and other organizations who do not fit into the correct social platform. This must end. This is what gives the XXXX rule of Think Progressive their unjust power. 

It is your job to enforce neutrality on our financial institutions, now matter how popular their actions may be with certain segments of society. Our true core values are at stake! 

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

My information was exposed in a data breach. My credit report was obtained without my knowledge.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late 2. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late 3. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Update to Open/Never late 4. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete from my credit report. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete from my credit report. 


8. there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I mistakenly sent XXXXXXXX XXXX  ( ~ {$1500.00} ) from my XXXX XXXX  to a Coinbase wallet that was labeled as supporting XXXX. However, it was not clearly indicated at the time that XXXX was only supported on the XXXX XXXX not XXXX. 

Since then, I have been in continuous contact with Coinbase for over XXXX years requesting retrieval of my funds. 

Initially, Coinbase claimed my XXXX was not retrievable. 
Later, Coinbase introduced an asset retrieval service but stated that XXXX assets were not supported. 
Eventually, they confirmed XXXX asset retrieval was supported, only to reverse their stance again, citing security reasons. 
Despite this, in XX/XX/XXXX, Coinbase moved my XXXX from their receiving wallet to another Coinbase-controlled wallet, proving that they have full custody and the ability to move the funds. 
I have provided clear proof that I own the sending wallet and have repeatedly requested the return of my XXXX However, Coinbase has continuously failed to provide a valid reason for withholding my funds, stating that they either " dont know '' or " cant tell me due to security reasons.
Product: Credit reporting or other personal consumer reports

I want to be clear : I did not authorize this company, nor did I apply for any credit or financial products with them. I have reviewed my records thoroughly, and at no point did I initiate any contact with this company or agree to have them access my credit. This inquiry is completely fraudulent and has no basis in any legitimate transaction or agreement.
Product: Debt collection

On this day of XX/XX/year> RC/Resurgent Recievable added a collection account onto my credit report XXXX XXXX XXXX the collection account total of XXXX dollars. 
I reached out to RC/Resurgent Recievable to dispute this collection immediately because this perticular collection had been taken of my credit report earlier this year somehow it appeared back on my credit report.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX filed fraud/unauthorized charge report w chase customer service. Chase granted provisional credit. 

XX/XX/XXXX : chase refused to grant refund saying essentially you snooze you lose. And take a hike. None of our concern that you were a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I want to file a complaint under : Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) I filed a motion to vacate a judgment ( Maryland Rule 2-535 ) the amount of which was incorrect, by Upstart XXXX XXXX who assigned or sold the debt to Velocity Investments LLC . and a law firm who is also involved that I have had no business dealings with at all. 

The court granted the motion that was filed. 

An attempted lien was filed that was rendered void, because it was filed by the law firm before the motion to vacate decision was handed down by the court in XXXX XXXX XXXX XXXX Maryland. 

The current status of the case is : Satisfied I am a XXXX  now. ( XXXX ) and anxious and unsure now, as I wasn't notified or aware of the case. Therefore I filed the motion. Now, a notification is at my wife 's ( estranged ) house stating I needed to pick up some court order from the sheriff by XXXX XXXX. 

Key Violations Under the FDCPA I am reporting : Abusive language of liens being levied. 

False Representation : Misstating the amount owed, claiming unauthorized fees. 

Unauthorized Contact : Communicating with third parties about my personal information and debt without my permission. 

Improper Legal Actions : Challenge of the lien 's recording that was attempted before due process was complete. ( Motion to Vacate Judgement ).
Product: Credit reporting or other personal consumer reports

CFPB, I've reached out to TransUnion numerous times about an account. XXXX XXXX XXXX about the negative remarks that's on my consumer report. Settled less then the full balance is considered a negative account. If the remarks aren't removed from the account then I'm requesting that they delete the account. I have rights to challenge any information list on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have 2 companies, Assetcare & Capio Partners, reporting the same debt on my credit report. The debt theyre both referring to was initially stated as being started in 2020 ( per the Assetcare INITIAL report ). I disputed the debt from Assetcare about 2 months ago and the debt remained, but the date then changed to reflect that the debt was acquired in XX/XX/XXXX. I tried to then dispute again due to the inaccurate information change, but the debt came back verified. Today, XX/XX/XXXX I got a notification that Capio Partners is reporting the same debt from the medical company. So that leaves both debtors reporting the same debt. I feel like this has to be a scam. Please look into this.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card or prepaid card

This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly. 
CAPITAL ONE BANK USA ***** Opened XXXX XXXX, XXXX Balance {$670.00} CAPITAL ONE BANK XXXX ***** Opened XXXX. XXXX, XXXX Balance {$460.00} CAPITAL ONE BANK USA XXXX Opened XXXX. XXXX, XXXX Balance {$460.00} CAPITAL ONE BANK USA XXXX Opened XXXX XXXX, XXXX Balance {$670.00} CAPITAL ONE ***** Opened XXXX XXXX, XXXX Balance {$670.00} CAPITAL ONE ***** Opened XXXX. XXXX, XXXX Balance {$460.00}
Product: Vehicle loan or lease

XX/XX/2024 Car was repossessed and I had made a payment arrangement because the car was my only way to get to work and now I have no way to get to work I asked for an extension to come up with the past due amount
Product: Debt collection

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ATTN : CONSUMER SUPPORT SERVICES Subject : Dispute of Charge-Off Account XXXX XXXX XXXX ( Account Number with XXXX XXXX XXXX- XXXX XXXX XXXX *Dear XXXX XXXX XXXX, I am writing to formally dispute a charge-off account associated with XXXX XXXX XXXX  that has been reported to my credit file. The account number in question ends in XXXX and has a total balance of {$1100.00}. I believe this account does not belong to me, and I am requesting that you investigate this matter in accordance with XXXX XXXX XXXX XXXX. 

I have never opened an account with XXXX XXXX XXXX, nor have I authorized any transactions related to this account. I kindly ask that you provide me with the following information : XXXX of the debt : Please provide documentation that proves I am responsible for this account, including the original credit agreement. 
Details of the account : Include the date the account was opened, the original creditor ( Commenity Bank ), and any other relevant information. 
Under the Fair Debt Collection Practices Act, I have the right to dispute this debt and request verification. I expect a prompt response to this letter within XXXX days. If you can not provide the necessary documentation, I request that you remove this charge-off from my credit report. 

Please be advised that if this matter is not resolved within XXXX  days, I will be forced to pursue further legal action, including litigation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting

I submitted a complaint regarding XXXX XXXX disputing a debt. They responded saying that they requested from the XXXX credit bureaus to remove the debt. 
After receiving the response from XXXX, I submitted a complaint regarding Equifax. I received a response from Equifax that listed the wrong Creditor name and account. 

PLEASE SEE TRANSCRIPT FROM EQUIFAX : ***Equifax has reviewed your complaint and its records regarding your dispute. Please be advised the disputed XXXX XXXX XXXX XXXX account number XXXX has been verified as reported with your Name and Current Address to be correct as reported on the credit file. Equifax can not take any further action at this time. Please contact the data furnisher for any additional information. Written confirmation has been mailed to you. *** AS YOU CAN CLEARLY SEE THEY HAVE LISTED THE WRONG CREDITOR ON THE COMMUNICATION ABOVE. WHICH PROVES ONCE AGAIN THIS IS NOT MY DEBT. I NEED THIS REMOVED FROM MY CREDIT! EQUIFAX IS DISGUSTING!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just reviewed my credit report and noticed the following inaccurate collection item ( s ) : XXXX XXXX XXXX and these inquiries XXXX XXXX XXXX XXXX XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number.. 
Finally, please remove all non-account holding inquiries over 30 days old, plus delete all late payments and add a promotional suppression to my credit file. 


Sincerely, XXXX XXXX XXXX