23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX XXXX XXXX charged my credit card {$1200.00}, which has exceeded over my limit for {$600.00}. My income has changed since and now I am working for XXXX XXXX XXXX  and I am making {$11.00} per hour. I can not make the {$600.00} payment that Citi is demanding. I can only make the {$49.00} minimum payment until can secure a debt consolidation loan. I just started this position with XXXX XXXX XXXX making {$11.00} per hour and I get paid every two weeks, That's {$880.00} before taxes and I still have other financial obligations such as rent, insurance and daily expenses. Citi is harassing for a with calls and emails for a bill that I am unable to pay due to my low paying job. I am only able to maintain the minimum monthly payment for {$49.00} per month that I make on time.
Product: Student loan

Hi. 
In XXXX I went to XXXX College in XXXX, with a promise that they will find me a job at the end of the program. That is what they advertised and why I chose this college. I took out a large loan and completed the program ( which was a total joke- no one finished any of their homework, the teacher never fully checked our work and taught us nothing. We paid for this certificate, and learned absolutely nothing even though I graduated with XXXX  ). 
Then they found me an internship at XXXX XXXX XXXX, who told me they are in need of an XXXX  like me, and after I completed 1 month of full-time work for them, they apologized and stated they cant afford to hire anyone right now. I was upset and went back to XXXX who said that it wasnt their problem anymore, as they already found me 1 job ( which by the way I was great at and they loved me. A few months later I found out that the counselor from XXXX had a deal with that doctors office and kept sending new interns there every month, with a promise that they are hiring, who were all told that they cant hire at the end of their 30-day internship. Such a scam! ). Needless to say, this ruined my chances of applying for another job because they all saw that my internship didnt hire me and questioned it. I had no way of paying my loans, I was XXXX years old. I got a small minimum-wage job and paid my loan for the first few years. 
Then in XXXX, I received a letter from the US Department of Education stating that my loan is eligible to be forgiven if I went to XXXX XXXX and took the XXXX  program from XXXX, because XXXX was being sued by several people for fraudulent dealings, false advertising and empty promises. I was ecstatic and submitted my application. I kept calling and checking the status of my application for FOUR years! They kept saying that it is still pending, meanwhile my loan was in forbearance AND accruing interest!! They assured me I will get an answer shortly, since my best friend that did this program with me had her loan fully forgiven already. 
I finally got a response from them saying that I am NOT eligible for loan forgiveness because I missed the eligible window by a few weeks ( apparently I went to college just a few weeks later or earlier than the eligible date-span ). Which cant be true because my best friend went to the SAME program on the SAME dates and had her same loan forgiven. 
I dont mean to add in a sob story, but after completing that program back in XXXX, I also dealt with several health issues, XXXX XXXX treatments and several XXXX. I have so much medical debt and I am absolutely not able to pay back this loan regardless. Especially since I never used this certificate in the first place. I reached out to FedLoan and US Department of Education several times in the last few years, who both give me fake reassurances and help with absolutely nothing. 
I hope that you can see my unfortunate situation and how unfair it was. This is my last resort. I am literally begging for help. I can provide any and all proof of my certificate, internship, even medical bills and proof of surgeries, if needed. 
Thank you SO MUCH for taking the time to read this.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today 's date XX/XX/2020, I just paid directly to Equifax to obtain a copy of my credit report. they informed me that they removed the inquiries in question but in the current report I just obtained they are all still listed. Also, I faxed a letter over to them at a number Equifax supplied to remove a 10 year Chapter XXXX bankruptcy from my credit report to which I have a letter from their sister company XXXX XXXX stating they have removed the bankruptcy from their ( XXXX XXXX ) database. I have attached all the supporting documents.
Product: Debt collection

This account is in litigation and a court hearing is pending as this property was not in livable conditions. At the time we went to court, the XXXX XXXX XXXX XXXX XXXX told me to not dispute the conditions of the property because they would make the repairs and did not make the repairs, so the City condemned the property, and we were forced to move out immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that a collection account was placed on my credit report by XXXX  on XX/XX/XXXX by a debt collector CENTRAL PORTFOLIO CONTROL. I was previously contacted by CENTRAL PORTFOLIO CONTROL in XX/XX/XXXX for a debt that did not belong to me. I contacted CENTRAL PORTFOLIO CONTROL personally at their call center and verified that they have the wrong person. They were unable to validate any account or provide any signature at my request. I sent them a cease and desist letter via certified mail with return receipt on XX/XX/XXXX. In response to my cease and desist letter, the debt collector placed a fraudulent and negative account on my credit bureaus report. Prior to this my credit score was over XXXX and I have no negative entries on my credit, nor do I owe any money to this debt collector. I have asked the Credit Bureau Agency to remove the fraudulent account and this has not been done.
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 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, US DEPT OF EDXXXX 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 XXXXXXXX has violated my rights 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX with account # XXXX opened on XX/XX/2019 and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/2019 and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

XXXX XXXX XXXX
Product: Mortgage

This is continously happening as we further conduct research in regards, to our properties. Our home located at XXXX XXXX XXXX, XXXX Georgia XXXX was purchased in XX/XX/XXXX. The orginial lender was XXXX XXXX which funded the original purchase amount located in the attached documents. The mortgage was later sold to XXXX. We understood the home had an ARM, however the payments were increasing astronmomically. I questioned the mortgage company in regard to this situation, but did not receive a sensible response. Approximately, 3 weeks ago a Realist Report was pulled only to find someone refinanced our property. We have NEVER refinanced any of our properties. Please investigate asap. We are finding others were taking advantage of our good credit ratings and committing mortgage fraud. The company which supposely refinanced our who by SOMEONE, is unknown to us. The house was refinanced in XX/XX/XXXX??? How can this be happening. This is crazy and if we had not researched we would have never caught it. Documents are uploaded. 
The load was sold to Carrington from XXXX. Carrington is in currently holding a fraudlent loan and we WILL not be responsible for it. Also, a REINSTATEMENT for a loan we never took out in XX/XX/XXXX?
Product: Credit reporting or other personal consumer reports

On 3 occasions I have requested for fraud alerts to be removed and Experian credit reporting agency stated it was removed but Im getting denied bank accounts because the fraud alert is still there. When call it only says to send a letter which have done 3 times. This is costing me time and money, Im tired and frustrated with this.
Product: Credit reporting or other personal consumer reports

, I am writing to express my concern regarding the unauthorized reporting of my personal information on my consumer report. As a consumer, I am protected under 15 USC 1681a ( 4 ), which grants me the right to privacy. This implies that my non-public information should remain confidential per 15 USC 1681 ( b ). The unauthorized reporting of my information has violated my rights. In accordance with 15 USC 6801, the Privacy Obligation Policy, Congress has mandated that every financial institution has a continuous duty to respect its customers ' privacy and safeguard the security and confidentiality of their non-public personal information. It is my understanding that AFFRIM INC has not upheld this obligation, thereby infringing upon my right to privacy. The Financial Institutions Safeguards, as outlined in section 6801 ( a ), require each agency to establish appropriate standards for financial institutions under their jurisdiction. These standards pertain to administrative, technical, and physical safeguards to ensure the security and confidentiality of customer records and information, protect against anticipated threats or hazards to the security or integrity of such records, and guard against unauthorized access or use of such records or information. I am deeply concerned that my non-public personal information has been reported to consumer reporting agencies, especially given the numerous data breaches these agencies have experienced. This is not only an inconvenience but also a violation of 15 USC 6801 ( b ) ( 3 ). 15 USC 6802 outlines the disclosures financial institutions should provide consumers before reporting any information to which I sent out a opt out letter certified mail on XXXX  ( aprox 20 days after this account was open ) formally requesting all my personal non public information not be shared as per 15 USC 6802 of the Gramm-Leach-Bliley Act to which went disregarded And it was place on my consumer report anyway to which is a Direct violation FCRA.
Product: Debt collection

IMMEDIATE ACTION REQUIRED : EXTREME VIOLATIONS OF FCRA AND XXXX - DEMAND FOR IMMEDIATE DELETION AND LEGAL ACTION 15 USC 1681 et seq. 
As congress does not back the reporting of my personal/non public information. 

This is NOT a request. This is a DEMAND for immediate action regarding egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), as codified in 15 USC 1681 et seq. My previous communication regarding the unlawful reporting of my personal, non-public information has been ignored, demonstrating a blatant disregard for federal law. The allotted time for dispute resolution has long since expired, and I have yet to receive ANY of the following : Proof of purported " Congressional findings '' justifying the reporting of my information. This is a critical point. I have received no evidence whatsoever to support this claim, which I believe to be fabricated. 
Confirmation that creditors were properly informed of my dispute. This failure constitutes a further violation of the FCRA, designed to protect consumers from inaccurate and disputed information. 
Let me be unequivocally clear : the unauthorized use of my information by creditors, third-party debt collectors, Experian, XXXX, and XXXX constitutes a clear violation of my rights. The use of my data as a separate transaction between second and third-party entities for profit is not only unacceptable but constitutes identity theft and, if this practice continues, will provide grounds for accusations of securities fraud. This practice directly contravenes the protections afforded by 15 USC 1681 et seq. and related statutes. 

As a federally protected consumer under the FCRA, I am now formally opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I, the consumer, may have purportedly given you, pursuant to 15 USC 6802. This is a DEMAND for IMMEDIATE REMOVAL of my information.

Furthermore, I remind you that 16 CFR XXXX applies in full, given that any relevant contract was written after 1969. This, coupled with the provisions of TILA and established contract law, solidifies the illegality of your actions. As previously stated, XXXX CFR XXXX applies due to TILA and contract laws on contracts, especially if the contract is written after 1969. 

Your failure to provide the requested proof and properly inform creditors within the legally mandated timeframe constitutes a clear violation of my rights under the FCRA. This negligence will not be tolerated. I expect IMMEDIATE action to rectify this situation. Failure to comply will leave me no choice but to pursue all available legal remedies to the fullest extent of the law, including but not limited to : Pursuing legal action for damages related to these violations. 
All final documents have been attached presently and previously.
Product: Student loan

Per the attached letter from the Texas Higher Education Coordinating Board, I took out a total of {$18000.00} in loans and repaid {$41000.00}. The CFPB should do what it can to fine or shut this program down. This type of lending is NOT setting people who need help to complete college up for success.
Product: Debt collection

Upon being notified about alleged debt, I was given 30 days to respond and dispute validity of such debt. I responded within three days period and advised of my intent to dispute said debt. I also provided additional information pertaining to another medical insurance that was supposed to cover medical payments. Approximately one week later I received similar later advising me of same. I responded to this communication in timely manner and once again disputed said debt and provided additional information pertaining medical coverage responsible for the payment. Third communication from the debt collector arrived on or about XXXX XXXX ... This time a payment was demanded and no mentioning of correspondence sent by me was mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

under section 1666 of title 15 may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
These late payments are a violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) of the Fair Credit Reporting Act. These late payments are " Billing Errors '' pursuant to 15 U.S. Code 1666b of the Fair Credit Billing Act. These late payments are a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act. These late payments are a violation of 15 U.S. Code 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

" T

he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my writte n consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, w hich allows for {$1000.00} per violation, for each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm upset because I went to purchase a car and did not qualify. This has been ongoing now for some time again there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX  : XXXX XXXX  : XXXX, XXXX Equifax : XXXX, XXXX : XXXX. XXXX XXXX XXXX Equifax : XXXX, XXXX  : XXXX, XXXX XXXX XXXX   Equifax : XXXX XXXX  : XXXX XXXX : XXXX, UNIVERSITY XXXX XXXX Equifax : XXXX.
Product: Debt collection

The date of this debt is XXXX XXXX XXXX in the amount of XXXX I didnt didnt purchase anything from these people and I never lived at the address and didnt receive any Merchandise from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed these accounts before but did not get any results in connection to my identity theft claim. My identity has been compromised and the following accounts are hindering my true credit identity. Please block the following accounts are provide me with physical documentation that they are true accounts. These accounts I have absolutely any knowledge of, 1 ) XXXX XXXX/ 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 )  XXXX XXXX/ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Under the Fair Credit Reporting Act XXXX and XXXX I am requesting my Credit File. 
( 1 ) When did Experian contact the creditor ( 2 ) The information the creditor gave Experian ( 3 ) A description of the use to determine the accuracy provide you with ( 4 ) Did the creditor provide Experian with my name, XXXX, Address, XXXX for the XXXX Account ( 5 ) Did the creditor supply you Experian with the open date of the XXXX account and Delinquent dates of the account and complete credit history ( 6 )  Why did Experian retaliate against me and decrease my XXXX XXXX by XXXX points for filing an dispute. My score went up by XXXX points for less credit usage then XXXX days later after the dispute was released Experian decreased my XXXX XXXX by XXXX points when they already had decreased my XXXX XXXX 11 points when they let there client XXXX XXXX XXXX enter an Fake Account on my credit report? I already have the updated credit report from Experian.
Product: Checking or savings account

These two numbers, XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX, have sent me a text message attempting to defraud by having me, and potentially some legitimate America First customers, click the fraudulent link. 

They are not from America First Credit Union. Please identify who these scammers are and shut them down. 

Text message : American First Credit Union : We're restricting your account untiI we can verify recent updates made on account, Visit XXXX XXXX XXXX XXXX to verify.
Product: Checking or savings account

I called CIT bank over two days over 5 hours on hold finally got through and they disconnected my call I'm unable to get online with all attempts so I continued to call with no response form CIT This bank has XXXX + of my money and I want it out of that bank and Im unable to do this Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been sending disputes to Experian since XX/XX/2019 and was only able to get 'notice of disputes ' when I gave up and just disputed online. What most consumers don't know is that we forego certain consumer rights when disputing online. Experian has yet to respond to my certified mail disputes ... its been almost 5 months ... wayyyy over 30 days.
Product: Checking or savings account

Wells Fargo open an account unauthorized in my name a checking account I had no idea until I got an email stating that I had an account open.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lgged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

This is the follow up complaint.I 'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>