23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for the SAVE program through the studentloans.gov website. I self reported my income through mohela as I was unemployed at the time. Mohela automatically put me in administrative forbearance, I never wanted to be in forbearance. I requested to be taken off because I did not want to be charged interested. I was told it would take 5-10 business days. It has been a month now. Everytime I call to get it fixed I have to wait on hold for at least an hour. The other day I was on the phone for 4 hours trying to escalate my issue to leadership. I was told that I was not being charged interest by multiple employees even though I know that is incorrect. No one can give me an actual date when I will be off forbearance. I will have {$900.00} dollars of interest a month while I am in forbearance instead of getting the interest credit through the save program. If they did this to everyone who self reported their income they are likely racking up millions of dollars of interest. No one can take me off, no one can credit my account, no one can expedite the process, no one can give me an actual date when my request will be processed.
Product: Credit reporting or other personal consumer reports

Hello. 
I have sent numerous disputes to XXXX, Experian and XXXX in reference to several of my accounts not being reported correct. 
XXXX XXXX  : is a closed account. However, it's still showing a balance. The last activity dates are different, remarks and times late are different on each of the 3 credit reports, months reviewed are different, high balance is only displayed on XXXX, payment history is different on each report. It's also reporting I'm using 165 % of my accounts limit on all three reports. It should be reporting XXXX. 
XXXX XXXX : is closed. However, it's still showing a balance. The last activity dates are reporting on each report, Term source type is different, Status is also reporting different, rating differ on each report, comments and history is different on each report. 
Resurge receivable is closed. However, it's showing a balance. The last activity dates are different on each report. The rating and status categories are different. Last. The account details are displayed different from each of the bureaus. 
XXXX XXXX is reporting different last activity dates varying in years on XXXX and XXXX, status is showing open when the account is closed, credit ratings are different on XXXX and XXXX. 
XXXX  : Last activity dates are different on each report, remarks and times reported late are different, months reviewed, and high balances are different, payment history is showing different information on each report. 
XXXX XXXX : This account is only showing on XXXX it's reporting incorrect information, it's closed and showing I'm using 275 % of the account limit. It shows last activity was XXXX of XXXX. This card has been closed over a year. They refuse to properly investigate and remove this incorrect information. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was not opened by me it was no opened by me I went into the XXXX XXXX branch ask them for the paperwork showing this account was opened by me they could not produce any paper work they said I was opened online I told them I did not open this account. They just kept saying it was opened on line we don't have any signed copies of this lian
Product: Credit card or prepaid card

I had previously filed a complaint with the CFPB case # XXXX and have included the company 's response. Capital One didn't provide any documentation as proof of there decision and why the denied me. Capital One in there response provides all the denial letters and the reasons for denial. It's very disturbing that the CFPB would close my complaint without any investigation. I am providing proof that Capital One is denying me for other reasons besides my credit history. In there responses they state I have too many inquires which in there disclosures states two or more, that I have a collection or judgment, They also pulled my credit report on XX/XX/XXXX without my consent. When I spoke to the representative XXXX she stated they would use the information from the XX/XX/XXXX application. Capital One seriously needs to look into this further and provide the proof for there decisions. I am providing my credit reports from the credit agencies Capital One used for there decisions as proof and that everything Capital One states in there denial letters are not on my credit reports. I hope discrimination is not the reason for my denial for a Capital One credit card.
Product: Money transfer, virtual currency, or money service

Today is XX/XX/2022 the current exchange rate on several sites that I visit show the exchange rate from XXXX  dollar to XXXX XXXX Bank of America charge me XXXX which resulted in over {$150.00} loss to me
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/2023 - XXXX XXXX || Date of inquiry : XX/XX/2023 - XXXX || Date of inquiry : XX/XX/2023 - XXXX XXXX || Date of inquiry : XX/XX/2023 - XXXX || Date of inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

An account was opened with my SSN, DOB, and Address with capital one and I was not the person who did that.
Product: Debt collection

I sent a certified letter in XX/XX/XXXX requesting validation that the debt they are attempting to collect belongs to me due to prior being sent to collections for debts that were determined to belong to someone else, billing me for the balance of debt after insurance ( whose company I've never been covered by ) paid their portion. 

XXXX XXXX responded by sending proof that they purchased a debt, not naming who the original debt belonged to, nor showing my name anywhere. I didn't hear from them for quite awhile. When I was contacted again, I again sent a certified letter requesting verification and requesting them to contact me via XXXX mail. The signature on the return receipt was XXXX XXXX, dated XX/XX/XXXX. I have yet to receive validation the debit belongs to me and they have contacted me via telephone on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from XXXX from XXXX, XXXX or XXXX. I was contacted via telephone XX/XX/XXXX from XXXX by XXXX. 

I simply want verification that the original debt belongs to me, so that I can settle the debt if so.
Product: Debt collection

Title : Debt Validation Letter Date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD, XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 


Please fill out the following : Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account #. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date ( this alleged debt became payable ). 
Date of original charge or delinquency. 
Was this debt assigned to a debt collector or purchased? 
Amount paid if debt was purchased. 
Commission for debt if collection efforts are successful. 


Please attach copies of the following : Agreement with your client that grants client services the authority to collect this alleged debt. 
Signed agreement debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. 
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
All statements while this account was open. 
Have any insurance claims been made by any creditor regarding this account? 
YES NO Have any judgements been obtained by any creditor regarding this account? 
YES NO Please provide the name and address of the bonding agent for client services, in case legal action becomes necessary : Authorized Signature of Creditor : Date :
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XX/XX/2020, I filed dispute with TransUnion credit bureau for one of my installment account ( account # XXXX ) with XXXX  company because the balance was incorrect on my credit report. After the dispute completed on XX/XX/2020, it showed that my payment rating on this account was 120+ days late. I called the XXXX company to discuss about this account and they told me that they never report any late payment on this account to TransUnion or any 2 Credit bureau at all. They also told me that they send a new report to 3 Credit Bureau every month. I believe them because when I check on other 2 credit bureau ( XXXX  and XXXX   ), it shows that I never late and paid as agree. I filed dispute with TransUnion again on XX/XX/2020, it still processing. I tried not to think that TransUnion is the one that make a mistake about my credit report, but everything seems to show me that way. This error also cause me a big credit score drop. I also sent the payment history document for this account to support for my dispute. I still never hear back from TransUnion at all. By the way, before my first dispute on this account, my account was showed paid as agree and never late on my payment history. 

2. TransUnion also deleted one of my credit card account that I was added for authorized users for XXXX XXXX account. I called TransUnion about this error that they told me to go talk to the creditor of this account. I also called the creditor for this account that they told me that they always report my payment history to 3 credit bureau after my statement date. Before my first dispute with TransUnion on XX/XX/2020, this account was reported correctly and showed in my credit report, but after the result for the dispute on XX/XX/2020, everything was mess up on my credit report with TransUnion. I also check my credit report with XXXX  and XXXX, this account is showed in there. 

I also attached document to support my complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to all the credit reporting bureaus about a XXXX XXXX XXXX credit card that's been opened in my name and used apparently and I explained multiple times that I have been a victim of identity theft and that there has been many attempts to use my information for loans and credit numerous of times and that I never authorized a credit card account or any loans to be made in my name and now my credit score has been fraudulently decreased after all the time and hard work of getting my credit score to were it needs to be and now I'm suffering from fraudulent account on my credit score and having to take all these steps to try to fix this problem I don't have no credit card with XXXX XXXX XXXX and haven't tried to open a account with them so please help me get this took care of and get my credit score back to were it was before this mistake or before the identity of mine was stolen please
Product: Vehicle loan or lease

Never received certified letter of intent to repossess, documentation notifying me where the car would be auctioned, how much the car was sold for, after auctioned, of any other information. Company is also reporting inaccurate information about account on my credit reports, which is a violation of the FCRA. Equifax is reporting that account was paid on time XXXX & XXXX, the account was opened XX/XX/2018, and that its an installment loan. Experian is reporting that the account was paid on time in XXXX only, the account was opened XX/XX/2018, and that its an auto loan. Certified letter was sent asking for validation and never received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : WELLS FARGO DEALER SVC XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that TransUnion block fraudulent information appearing on my consumer credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). This request is due to identity theft and fraud, and I expect the inaccurate information to be blocked within 4 business days of your receipt of this complaint.

I have identified several accounts on my TransUnion credit report that I did not open and are the result of identity theft. These fraudulent accounts include : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts, which I do not recognize, have resulted in several fraudulent collections being reported on my consumer XXXX credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand that these fraudulent items be removed from my TransUnion credit report immediately. Additionally, I request that any related collection activity cease without delay. 
I have attached a list of the aforementioned fraudulent items and a copy of the FTC Identity Theft Affidavit and Criminal Complaint ( XXXX ) & ( XXXX ) as evidence that these accounts are the result of identity theft.
Product: Checking or savings account

I been having issues with my private bank for years. So it 's wise to say I been monitoring the financial violations on my accounts. And life. So using Uber was safe and affordable. Until I began to be charged with driver Cancellations. And not given accurate quotes. Even being placed with abusive drivers. I had to report to Law enforcement. So this last insult by  UBER  drivers. Has driven me to file a consumer complaint & seek legal actions for the emotional distress I endured from being a loyal member of  Uber  and these banking organizations. Since I know the injustice of the banking world to prove this claim is the cause of my consumer report. I would like  Uber  to credit the account they been taking funds from. When they state they credit me. I am unable to speak to a live representative for my credit. So this complaint is so Uber can refund my debit Card the funds and credit owed to me by driver and technological error. So I can file my complaints with my banking as well. For the overdraft fees etc ... Years of being violated has lead me to want to seek legal actions.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Particularly in the light of the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle number outs times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle was not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft since XXXX. Someone used my identity to open fraudulently many credit accounts, charged on these account without paying a cent. I have called all parties related to clear my name. It is very obvious that these accounts were not opened by me since they used addresses from California and I have been living in Kansas since XXXX. Also, the bad guy used one credit card to spend over {$9000.00} online purchase. If the credit company wanted to find out the truth, they could trace back to what address the online shopping items were shipped to. None of them were shipped to my Kansas address!! Someone even used a fake driver license ( with my name on it ) to open an account in CALIFORNIA! The bank accepted the fake DL without checking if that DL is legitimate or not! 
The bottom line is I called all the banks to explain my situation, filed police report, even sent my documents. I believe all the banks decided to remove the items from my credit accounts. 
BUT Experian still keeps them and still keeps my credit score low, claiming my bad credit history, which was, of course, due to identity theft! 
When I tried to dispute, Experian policy makes it almost impossible to reach. Experian policy dictates that if it is the result of identity theft, I must call, but when I call, I was placed on hold for endless playing of commercials. I can never get a human online. I used a pay-as-you-go phone. It always costs me to call around to clear my name and now I have to live with Experian 's poor service. Experian takes advantage of my vulnerable victim position. I believe such practice needs to have some consequences. Thank you
Product: Credit reporting or other personal consumer reports

They never sent the periodic statement along with the disclosures from section XXXX ( 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 to rule XXXX 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: Checking or savings account

I have a Discover credit card and Discover banking account. The Discover banking information was removed from the Discover credit card account as a payment method. The credit card company is still trying to take it from the bank account, even though I ( even though the payment has been made ( from an account that is not with Discover ) ) removed it, and I have a confirmation email saying the payment method was removed ( Wednesday ) Today, which is Friday my account is now XXXX, showing they have tried to take it out once again. 


I have tried to talk to fraud about this both from Discover bank and Discover credit card. The Discover credit card fraud lady, XXXX, said the last 4 numbers of my credit card is incorrect, which it is not.. Something is egregiously wrong, and they are not willing to solve it. 
Basically the credit card side is continually trying to take money from my bank account when the payment method ( which was the bank account ) has been removed ( again, I have the confirmation ) and it was not an automatic payment either. 

Also, 2 weeks ago from today I could not get into my bank account and they tried to blame it on me. 

I talked to them the week of XX/XX/XXXX XXXX. 
I received an overdraft notice on Wednesday, XX/XX/XXXX, and removed the bank payment method from my credit card account once again on XX/XX/XXXX. Today, which si XX/XX/XXXX, I received a notice saying payment I tried to make from the account wont go through? I have not tried to make any payments from this account (? ) I especially think something fraudulent is going on now because the fraud lady said the last 4 of the credit card number I gave her was incorrect, it is the same number on my card. Also, because I had to change my bank account number a couple of weeks ago, it would not let me in even though it was the correct number. I believe I also talked to them on XXXX as well. 
Also, when I opened the account online and I called in to ask questions one of the reps asked for my full social, which I dont give over the phone-especially since I have learned they are working from home. I complained and was given a new card, but that still does not fix things because I dont think they needed that I had the code or number from when I opened it ...
Product: Credit reporting or other personal consumer reports

My contact phone number is incorrect. My employment status is incorrect as I've been retired since XXXX the and yearly income is also incorrect.
Product: Credit card or prepaid card

Capital one had decided not to let my payments process for an entire month leaving my credit card completely depleted well past the date it needs to have a payment made for my credit report. It also doesnt let me use cash back and has recently made me confirm my bank account to prove. They are clearly mad because I never have to pay interest and get cash back. This it to far effecting someones credit is a big deal. When I called them and said I would report it they got completely stopped talking to me. This happened on XX/XX/23