23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing because of difficulties accessing the Public Service Loan Forgiveness program. I am currently a post-doc at XXXX and have been since XXXX. In XXXX, I sent in a PSLF verification form but received no response. In addition, my loans were not transferred from XXXX XXXX to XXXX  as required. This year, in early XXXX, I again sent in my PSLF verification, both by fax and by letter. I have again received no response. The PSLF form is correctly filled out : it was filled out by XXXX, whose HR department knows the requirements and explicitly confirmed in email she properly signed the document. 
I worry the continuing non-response will jeopardize my ability to participate in the program. Without being part of XXXX or MOHELA, I can not track the status of my PSLF applications or receive feedback concerning whether they have been accepted. I have other, older PSLF forms ready from earlier in my career but I do not want to fax and mail more documents that get me no closer to my goal.
Product: Payday loan, title loan, or personal loan

Prosper when I originally talked on the phone didnt say the APR would be 17 % I have been struggling since they said it was around 12 %. Also I never signed anything to get the loan I applied and they gave it me right away so I didnt really have an option to back out. Plus they took another {$1500.00} dollar feel so gave me {$23000.00}. Overall I never wanted the loan and struggled to pay it back I wanted to see if I was approve but they gave it to me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX : {$3500.00} ; XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists of, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in XXXX  color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.
clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in XXXX  color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in XXXX  color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Product: Credit reporting or other personal consumer reports

I'm deeply distressed and frustrated to discover numerous fraudulent accounts on my credit report, severely impacting my creditworthiness. As I'm in the process of buying a home for my family, this unfair situation is incredibly concerning. Despite my efforts, I've encountered difficulty in getting these accounts removed. Moreover, given that my information was part of the XXXX & Equifax breach several months ago, I expected better protection of my consumer report. 

I feel let down and violated, as my privacy and fair treatment, as guaranteed by federal law ( 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ), have been compromised. This situation is causing me significant emotional and mental stress. It's also unlawful for these companies to furnish people 's information to third parties, constituting neglect and fraud. 

I've already reported this matter to both the local police department and the Federal Trade Commission. Legal action against these companies and credit bureaus for the damages incurred seems inevitable. This ordeal is not only impacting my financial well-being but also this is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Product: Vehicle loan or lease

For the past week Ive been getting calls from this company that is XXXX XXXX XXXX and they are saying they are going to repot my truck and this was on XXXX so I set up to pay them through XXXX XXXX and they gave me all the numbers so I could do it by XXXX, so I went in on that day and put in the numbers they gave me and paid the money and then today XXXX I get another call stating they dont have the money and are going to take my vehicle once again, but on the XXXX XXXX side it says it went through and all the numbers are the same.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

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

Due to the numerous counts of data breaches that I have been subject to and the severity of each one directly involving my PII information, I have endured Delinquent and Derogatory marks to such a degree that I can not recover. 


For the past 7 years the data furnishers, collectors, and credit bureaus have directly given me a false identity. They have set up reports and made scores from information that is so far apart from me for so long that I literally can not defend myself. 


To paint a much vivid picture and give a complete understanding. It is a common act of human nature to live a lifestyle beyond one 's financial means and be consumed in unmanageable debt. Then try to point the blame at something or someone else. 
************************************************* But the entire 7-year span that I am referring to, I have filed countless disputes with credit bureaus, banks, credit card companies/grantors, and data furnishers. I have filed police reports, called random numbers that are linked to any activity on my reports, begged and pleaded with strangers, and have lost hope. When I dispute anything on my report it comes back validated by furnishers. When I call furnishers and ask where they get info and demand them to correct the fraudulent information, I'm then told there are laws that limit the data they are allowed to delete. 

It's like I'm fighting a battle 3 against 1. I do not understand how a credit bureau can deliver the information that they compiled of my life to criminals and then even tell me the criminals for sure have it posted the dark web then turn around again and tell me the low score on my report along with the XXXX inquiries is me being irresponsible with my credit and life decisions. 

There are laws such as 15 U.S. Code 1681 that are being violated by Equifax and XXXX because they did not protect the reports they have on my life.
Product: Vehicle loan or lease

ON XX/XX/XXXX I spoke with a representative from the settlement department of Credit Acceptance about a pay off on an XXXX XXXX XXXX .I am the co -signer on this vehicle for my Grand daughter. Upon the purchase of the vehicle I was sold a warranty incase anything happened to the vehicle I can use it to cover the cost and get discount on services etc. However we were faced with large out of pocket repairs on the vehicle. Every company I went to didn't except the warranty company that was sold to me by credit accepatance as A GARANTEE protection. I will show the recpts where I had an out of pocket expense of {$2400.00} because they didn't except services from this particular company because they have a bad reputation of not paying providers. I reported it to the dealership and I was told to try many different locations and then have it towed there. I noticed this contract was under the truth in lending act and no way should I have ever been in this position and my rights under the truth in lending retail installment contract has been violated. I am XXXX  and is living on limited income and I don't deal with Debt. When I had to pay the out of pocket expense the account became delinquent. Credit Acceptance has done nothing to help us regarding the Bogus warranty that was sold to me under the truth and lending act that was attached to the installment agreement. I explained the matter and requested if I can pay {$15.00} as a settlement to pay off this car. They told me the car is {$22.00} and some change and my pay off is {$20.00} and change because they dot settle. also the interest is compounded .I asked about a payment plan however they will give you a payment plan but the interest will keep accruing on the portion that is not being paid which it will keep you almost close to the balance.of the original finance amount. its like you will never pay the car off and you will be paying compounded interest. i was told the warranty i was sold and never was able to be used could be cancelled however i would not get any money back from a warranty that was not accepted anywhere. If they did this to me im sure they doing this to all their customers. They are trapping people in this retail installment agreement and almost forcing unrealistic terms that people are having issues with. Credit acceptance is not taking any of the responsibilty of what they are having the consumers sign. We also never recv 'd a truth in lending seperate paper explaining our rights under the truth in lending act. that was another violation under U.S. CODE 3952 PROTECTION UNDER INSTALLMENT CONTRACTS FOR PIRCHASE OR LEASE.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

Out of curiosity from an ad I saw, I clicked on Prosper 's " Check Your Rate '' link of its website. It CLEARLY states " Checking your rate will not affect your credit score ''. After doing so, I never took any further action. NONE!!!!! I NEVER submitted a loan application!!!!! 

Daily since then I get emails from Prosper with incentives to apply for a loan such as a credit on my first payment. I have IGNORED each and every email. AGAIN, I have NEVER taken ANY action on this. I have NEVER applied for a loan.

Today after weeks of these emails, I suppose Prosper got tired of me not responding and sent me a credit declined memo. How can I be declined credit for which I NEVER APPLIED?!?!?

THIS IS FRAUD!!!!!!!! I now have a ding on my credit because of Prosper 's FRAUDULENT processing of a loan application. I NEVER APPLIED!!!!!! I ONLY CHECKED MY RATE BASED ON PROSPER 'S PROMISE that " Checking your rate will not affect your credit score ''!!!!!
Product: Credit card

Thank you for taking the time to read this. I have several accounts with Affirm Inc I will list them below : XXXX XXXX XXXX XXXX For some reason the bills were never received I had moved. but once I realized I had fallen behind I quickly got these accounts paid off completely.
Product: Credit reporting or other personal consumer reports

Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please remove immediately the following accounts : XXXX XXXX XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

Ohio XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Ohio XXXX XXXX XXXX XXXX XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Ohio XXXX XXXX XXXX XXXX XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Ohio XXXX XXXX XXXX XXXXXXXX XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX. XXXX, XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX crdt XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding the unauthorized closure of my roofing companys merchant account and the subsequent withholding of my funds. 

In XX/XX/year>, XXXX required me to verify my account, which I promptly completed. Despite full compliance, XXXX terminated my account and all communication without explanation. I later received notification that my funds would be held for 90 days. 

This action has caused significant financial hardship to my business. The withheld funds were intended for an interest-bearing account, resulting in financial loss. Additionally, delayed access to these funds has led to late payments, negatively impacting my business XXXX XXXX. 

XXXX  actions appear to violate consumer protection laws by unfairly holding my funds and causing financial harm. 

I am seeking the immediate release of my withheld funds, appropriate compensation for the financial damages incurred, and a resolution to this matter. 

I have attached copies of relevant documentation to support my claims. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I opened my account with Citibank less than 4 days ago and I have not been able to use the funds I deposited. I wanted to know why I cant even view my debit card number or even send a XXXX payment. I was told that my account was placed on a fraud hold. When I asked why I was told the reason is in a letter which will be sent to my address which I am currently not there because its the holidays. The said letter takes more than a week to arrive. Meanwhile I am still not able to access my funds until that letter is received. I have asked to close my account, transfer my funds, and all Ive been told was that I have to wait more than a week for that letter to arrive. I wouldnt even get a reason for the fraud hold all I was told was that that letter includes the reason and that I need to call back. I have never had this experience with any bank, ever, I am having my funds withheld from me for no apparent reason. No one I have talked to can give me a reason as to why my account is being restricted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit agencies to have these unauthorized inquiries removed from my report and there has been no adjustments to my report. Here are the hard inquiries listed below. 

XXXX XXXX XXXX NA. - XXXX XXXX XXXX CO XXXX XXXX XXXX -XXXX XXXXT 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: Mortgage

I paid a mortgage for many years ..As a result of the pandemic Mr Cooper Mortgage gave a 12 month payment deferral..I sold my house and paid the loan finding that they illegally charged a late fee during the deferral ...
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, 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.