23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The name and location of the school I attended during the time I borrowed the private student loan in question : The Ohio XXXX University, XXXX, OH. 

The issue at hand : The current situation I am facing surrounds National Collegiate Trust ( NCT ) and their attempts to collect on a series of private student loans totaling more than {$30000.00} that they can not provide any information to me about. NCT has recently filed suit in my hometown court of common pleas ( XXXX County, Ohio ) with regard to this matter and I do not know who to turn to since lawyers in my region will not get involved in student loan consumer disputes. I was actually told that these situations do not bring them any money in fees, they are an uphill battle to wage and they simply are n't worth the time. I have a real legal situation here where I am being harassed ( as well as my co-signer father who filed for bankruptcy a few years ago ) for payment and I have no way of remedying this situation on my own. NCT refuses to cooperate with me at any step along the way and I deserve a chance to validate this debt and act accordingly. I do not know who owns the loans in question, who services them, or who is able to collect payment on them. NCT has previously informed me that they occupy none of these roles ... .that they purchased loans in bulk and can not provide detailed information on individual disbursements. Please help.
Product: Money transfer, virtual currency, or money service

I tried to add {$98.00} to my PayPal card ( XXXX XXXX XXXX  on the mobile app using XXXX XXXX. XX/XX/23 XXXX today. Transferring {$98.00} to said account. Theres a missing transaction. 3 hours later and the XXXX XXXX XXXX said it was status cleared to said account
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX/Comenity Bank reported a late payment past due 30 days on my credit report. I had no idea that I even had a balance on the card. I thought I had already paid the balance in full. So for two charges in XXXX totaling {$63.00}, I had to pay late feels totaling {$64.00}. I have had this problem with XXXX XXXX before ( XX/XX/XXXX ) because they do not offer auto pay as all other credits now offer. I've requested auto pay services from them several times to avoid this type of situation and they always say they don't offer it at this time. Comenity actually had to refund me late fees previously because they mistakenly charged me for balances already paid. Once again, I have a negative delinquency on my credit report from XXXX  XXXX for an amount that could have easily been paid in full if XXXX actually made the effort to call me and let me know that there was a balance on my account that was past due. They send statements via email as I opted for paperless statements but since I thought I had no balance I didn't look at the statements thinking I was free and clear. Comenity has been quick to charge exhorbitant late fees on top of the 24.99 % APR that they charge on purchases without making the effort to call me and bring this issue to my attention prior to reporting to credit agencies which will impact my credit for years to come for a negligible amount of money that could have been paid in full if they made the effort to call me prior to reporting delinquency. I have had this account open for 13 years since XXXX and the balances have always been paid, even if over time but they have been paid in full. Comenity continues to take advantage of consumers by refusing to institute auto pay, not making effort to call consumers prior to reporting to credit agencies. I will no longer be using my J. Crew card as the only reason I used it was for discounts but TWO marks on my credit history on top of late fees and high APR erases any benefit of discounts when using the credit card.
Product: Money transfer, virtual currency, or money service

Ive attempted to transfer funds from my new Chime account since XX/XX/XXXX but it wont allow an ACH to my bank without a debit card being activated. I didnt order a debit card and wont need one to use their services. 

On XX/XX/XXXX I spoke to a rep who said I needed to update to another app service to transfer funds and suggested XXXX. It appeared to me only another bank account could be updated, no XXXX option appeared. Upon contacting a representative again I requested to close the account. The request was processed but I was told Id receive a check in 30 days which is unacceptable. Chime should be able to transfer out if I can transfer in and seems the goal for them is to tie up your deposits.
Product: Debt collection

During XXXX  Pandemic crisis me and my family went through a financial hardship and it was devastating.. 

XXXX XXXX XXXX  provide me a XXXX Insurance on both XXXX XXXX credit Card, that it was Approved by Financial Institution, XXXX  Pandemic hit in XXXX  and went through a fiancial hardships. 
I request to opt in on both on my XXXX XXXXXXXX XXXX XXXX XXXXXXXX Insurance Protection and the Fees charges was been paid every month on time. 

I have a active Credit Card with XXXX XXXX XXXX  Account # XXXX and paying on time and they are Retaliating and Discriminating me because of my XXXX XXXX as a XXXX and my XXXX Status.. 
XXXX XXXX XXXX sold the debt of {$1800.00} to Resurgent /LVNV FUNDING LLC in XXXXXXXX XXXX XXXX XXXX with a ccount # XXXX I am XXXX XXXX  and Retired.
Product: Checking or savings account

Juno finance has frozen our accounts and we can not access our money starting on XX/XX/2024. There is some issue between XXXX XXXX  and XXXX, and apparently Juno was aware of this before the funds were frozen. I currently have {$30000.00} cash in Juno and want it back immediately. Juno blames XXXX for the funds being withheld. XXXX blames synapse for filing bankruptcy. Its been 3 months and I am still unable to access my funds. I am surprised FDIC/US gov is still not doing anything and doing blame game.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

On XX/XX/2020 I spoke with Capital One employee XXXX, employment XXXX regarding Capital One Bank using the incorrect code and not accepting document under MasterCard Charge back Guide concerning multiple transactions with XXXX card under MasterCard Charge back code XXXX. 

Capital One Bank are refusing to submit my email to XXXX as supportive documents to Master Card under the attach guide which is attached see page 98-100. 

The transaction done by XXXX are fraudulent transaction under MasterCard Charge back Guide line.
Product: Debt collection

I had a XXXX XXXX account that went bad in XX/XX/. The account was sold to a company called Spring Oak Capital. This account only reports on my XXXX account because I reached out to XXXX and XXXX and they verified that the original account was past the statue of limitations for reporting. XXXX refuses to do anything about the report. Spring Oak calls my wifes number numerous times and bothering her at work saying they are gon na sue if we don't pay. The statue of limitations for Texas to sue is 4 years, and reporting is 7 years. They continue to harass us. When I tell them that they are outside of the law, they inform me I don't know what I'm talking about. Eventually I just hang up on them. And yet they still call.
Product: Debt collection

This company was persistently calling me. I contacted RSI XX/XX/24 to ask them to remove my number from their system. I got push back from the representative saying this will impact my credit I continued to say yes please remove my number. I received another call today XX/XX/24.
Product: Vehicle loan or lease

On XX/XX/year> I took delivery of a new Tesla XXXX XXXX. The price of the vehicle, including taxes and fees totaled {$54000.00}. The amount of the deposit and payment from me at time of delivery was {$40000.00}. The amount financed should have been {$14000.00}. I have a contract that states such. Instead, Telsa contracted with XXXX XXXX XXXX and sent them a fraudulent contract with the amount financed as {$31000.00}. I became aware of the discrepancy when I got my first statement from XXXX XXXX XXXX. My first attempt at correcting the problem was by certified mail to XXXX. I have written several times to Tesla , Inc, XXXX XXXX XXXX and the Attorney General of the state of XXXX XXXX. On XX/XX/XXXX I received of check from Tesla for {$17000.00}. with an explanation of " Overpayment refund. '' I returned the check to Tesla explaining that I did not agree to borrow {$31000.00} and would not make payments on that amount. I made the XXXX and XXXX payments on account based on the contract I agreed to, {$200.00} per month. On XX/XX/XXXX, as a sign of good-faith, I made a payment to make up the difference of what they say I owe and the amount I paid for those XXXX months. On XX/XX/XXXX I was notified that a 'late payment ' was reported to the credit bureaus. My credit score has been in excess of 800 for many years, When I checked my FICO score it had been reduced to XXXX, a decrease of XXXX points. Short of hiring an attorney to resolve this situation, I think I've done all I can to communicate with Tesla and XXXX XXXX, to no avail.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my XXXX credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into the accounts listed below and their removal from my credit file. I am requesting a thorough investigation of these matters and the removal of the listed accounts from my file within 30 days of receipt of this letter as required by FCRA. To assist with this process, I have enclosed a copy of my identification to prevent any delays in the investigation. Since you have everything you need to investigate this, I will not accept any stalling letter assuming that anyone besides myself have initiated this dispute. I am writing on behalf of myself and without any influence from unmentioned or unauthorized parties. Any response outside of a proper and full investigation into my claim may result in assumption of willful negligence. That may result in litigation. 
Thank you for your prompt attention to this matter. 
Accounts in Dispute : XXXX. XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX XXXX o Account XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX and XXXX XXXX. XXXX XXXXXXXX XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX Bankruptcy Dismissed o Reference Number : XXXX Legal Basis for Dispute : Under 15 U.S.C. 1681i ( a ), I am entitled to dispute inaccuracies in my credit report and request an investigation. Additionally, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to ensure the maximum possible accuracy of the information included in my file. 
Supporting Documents : I have included a copy of my government-issued ID, proof of address, and a copy of my XXXX credit report highlighting the disputed items. 
Requested Action : If the disputed accounts can not be verified as accurate, please remove them from my credit file in accordance with 15 U.S.C. 1681i ( a ) ( 5 ). Additionally, provide written confirmation of the investigation results and any corrections made. 
Thank you for your prompt attention. I expect resolution within the required 30-day timeframe. 
Sincerely, XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Credit Report ]
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/ 2022 I did an annual review of my credit profile, upon reviewing current credit status there are several inaccurate items and inquires reporting. Per the FRCA policy Transunion is currently in violation of several of my consumer rights per 15 usc 1681b Permissible purposes : ANY consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the CONSUMER to whom it relates ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Subject of Complaint : Request for Assistance with Inaccurate Credit Reporting and Debt Validation Complaint Details : I am filing this complaint to address the following issues related to my XXXX credit report and the reporting of an alleged debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Inaccurate Personal Information on Credit Report : I have previously requested XXXX to update my personal information to reflect my correct details, including my name, date of birth, Social Security Number, and address. Despite multiple written requests dated XX/XX/year>, and XX/XX/year>, the incorrect information remains on my credit report. This discrepancy has significantly impacted my ability to purchase a home, as creditors are basing decisions on inaccurate data. 
Debt Validation Issues Related to XXXX XXXX : An alleged debt from XXXX XXXX  with Account # XXXX in the amount of {$11000.00} is reported on my credit report. I have sent formal debt validation requests to XXXX, per the Fair Debt Collection Practices Act ( FDCPA ) requirements, requesting documentation such as : Proof of assignment showing that the debt was transferred from the original creditor. 
Detailed breakdown of the debt amount, including any fees or accrued interest. 
A copy of the original agreement bearing my signature. 
To date, XXXX has not provided adequate documentation to substantiate this debt. Under FDCPA regulations, I requested that all collection activities cease until validation is provided. My attempts to resolve these issues with XXXX have not been successful. 

Impact on Creditworthiness and Financial Well-Being : The inaccurate information and unvalidated debt continue to harm my credit score and impede my financial plans, including securing housing for my family. 
Resolution Requested : I request that the CFPB intervene to ensure XXXX : Corrects the inaccurate personal information on my credit report. 
Provides appropriate documentation or removes the unvalidated XXXX XXXX debt from my report. 
Supporting Documentation : Copies of my previous requests to XXXX ( XX/XX/year>XXXX  ; XX/XX/year> ). 
Identification documents ( Drivers License, Social Security Card ). 
Previous credit reports showing disputed information. 


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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts below XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020, Bank of America decided to discontinue me as their customer and blocked my access to account and funds. I was given absolutely no prior notice or any warning about any activity that might lead to this conclusion by the bank. We are going through coronavirus pandemic and literally locked at home due to stay-at-home orders by the state of Illinois and the federal government. Me and my wife went to a grocery store and found out at the register that our debit card is not working. I can provide you receipts for denial as well. 

I called bank of America and after 3 hours of wait, somebody answered the phone and told me that bank has the right to close my account at any moment. He also said that for me to access funds, I would have to wait 3 to 5 business days or I would have to call hardship customer line in the morning and explain my situation and they may be able to give me access to funds by the next business day or two. I told them that I need to put food on the table for my family and I do not have any other bank account. At least, give me access to my debit card so that I can buy food and buy medicine for my wife but even the supervisor could not help me because the hardship department that would handle my situation is closed for the day. 

My wife is XXXX XXXX XXXX. She needed food and medicine and bank of America literally snatched our most basic needs from us. I am not sure if it was bank of America 's intent to bring us out on the street and start begging from people sure because that is where we found ourselves on the night of XX/XX/2020. We are in a national state of emergency and our area has been declared as a disaster region by the federal government. I have been out of work for the past 3 months and have not received any assistance as of now. I have very limited funds in my account and the bank stopped me from accessing it. On top of that, I am not sure if any banks are open right now and are accepting new customers so that I can go there and open a new account. In a situation, where it has been mandated by the Federal government to help consumers to the maximum extent possible, bank of America literally waged war on me and my family by blocking access to funds. 

This is not only unjust and inhumane, it is also illegal during the national state of emergency and I want to pursue my case to the highest level possible. What if something happens to my wife and my XXXX XXXX? Bank of America should be brought to justice for this illegal practice so that they are careful next time about committing crimes against humanity.
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 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 reporting or other personal consumer reports

I received the resolution letter from Bank of America - Case Number XXXX. 

Bank of America completely disregarded that their banker, XXXX XXXX, was completely unaware of the actual use of funds for the XXXX XXXX she recommended to me. I was very clear the funds would be needed for working capital to expand my business, I am not remodeling, buying a warehouse, or physical equipment. I ONLY submitted the application after verifying with XXXX XXXX that my use of funds fit this product. Bank of America customers CAN NOT submit loan applications at their own free will, you MUST have a banker assigned to you in your region for loan applications.

Every Bank of America representative states " on a recorded line '' great, so pull every phone call between XXXX XXXX and XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. 

I have an extra inquiry on my XXXX credit report due to a Bank of America employee, specifically a Small Business Vice President. Clearly this individual does not have the correct knowledge or internal guidelines to recommend funding to ANY Bank of America customer. 

The simplest option was removing the inquiry of XX/XX/XXXX from my credit report, since Bank of America does not wish to do so a lawsuit will have to be filed.