23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Complaint : Unauthorized Access to My Student Loan Information by DOGE I am filing a complaint regarding the unauthorized access and review of my student loan information by DOGE. I never consented to DOGE looking into my student loans, income, or any other personal financial details. They have no legitimate reason to access or use my sensitive data, and this is a blatant violation of my privacy. 

Furthermore, any efforts to dismantle the Department of Education ( DOE ) and interfere with student loans without borrower consent are completely unacceptable. My personal financial information should not be in the hands of DOGE or anyone else who has no legal or ethical right to it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : 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 ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$XXXX} XXXX/XXXX  Date Opened XX/XX/XXXX Balance {$XXXX} XXXX XXXX  XXXX XXXX XX/XX/XXXX Balance {$XXXX} XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX/XXXX  ( XXXX  ) XX/XX/XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX  XXXX  ( XXXX  ) XX/XX/XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX  ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please be sure to review the attached files below. I am a victim of identity theft i would like for my complaint to be handled with proper care. Im asking that once the review is completed please provide me with an updated copy of my report thanks
Product: Student loan

This school is no longer in existence after countless promises of job placement and top tier support. It's now 10 years later and I haven't made a dent in my loans. I am a graduate with honors and have made on time payments since the end of my 6 month grace period. Sallie Mae has not offered any help but extensions and forbearances that will only help them in the long run. Regretfully, I have chose some of those options in times of need over the last decade. I am looking for information on how to proceed with elimination of payment to unrendered services.
Product: Mortgage

We began a loan application process with Wells Fargo several months ago beginning with a pre-approval for purchase of a new build home. Around early XXXX all parties were ready to close with loan approval in hand. XXXX delayed the closing process because there were a few minor punch list items for the builder to complete. This delay in closing happened at least XXXX more times throughout XXXX due to XXXX having issues with minor work that needed to be completed. Due to the WFs continuous inability to close on the approved loan, enough time had passed where XXXX apparently needed to repull credit. This final time, due to an erroneously reported past due cc payment, XXXX now says that we are not approved for financing when we were approved just the prior week. They backed out of approval at the last moment and have left my family with the prospect of being homeless. We were never given any indication that once we were approved that this approval could be pulled. This is unfair and unethical as we XXXX done everything the lender has asked during their significant delays.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Discover Bank regarding their refusal to process a dispute for a purchase I made using my Discover Cashback Debit Card. Despite my clear eligibility for a dispute under federal regulations, I am being denied a resolution, leaving me without recourse for my missing merchandise. 

On XX/XX/year> I placed an order with XXXX ( a seller ) and did not receive the merchandise. I have repeatedly contacted XXXX, who keeps redirecting me to the parcel XXXX and my bank. The parcel XXXX, however, has confirmed that they are unable to assist, stating that I must resolve the issue with the seller directly. Despite my efforts, XXXX refuses to refund me due to high volume of assistance. 

Under the Electronic Fund Transfer Act ( XXXX ), I understand I have the right to dispute unauthorized or incorrect electronic transactions, including instances where merchandise is not delivered. However, when I contacted Discover Bank today, they informed me that they do not process disputes for missing or undelivered merchandise, which I believe is in violation of consumer protections guaranteed to me under federal law. 

Discovers refusal to investigate and resolve this matter places undue burden on me as the buyer. I have exhausted all available options with the seller and parcel XXXX. As a financial institution, Discover Bank is obligated to protect its customers and act in accordance with federal regulations. 

I respectfully request that the Consumer Financial Protection Bureau investigate Discover Banks refusal to file a dispute for my missing merchandise. I also ask for assistance in ensuring that Discover fulfills its obligations under federal law and resolves my claim for a refund. 

Thank you for your time and attention to this issue. I look forward to your assistance in securing a resolution.
Product: Credit card

XXXX Account # XXXX XX/XX/XXXX, XXXX- XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE and 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX Name of original agency : XXXX apartments Name of collection agency : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I feel that Ditech is discriminating against me based on the type of loan I qualify for by offering bi-weekly payments to some borrowers but not to others. By them not allowing me to make bi-weekly payments on my loan based soley on the type of loan I was able to qualify for it significantly impacts my financial ability to pay my loan off as quickly as other borrowers who have better qualifications. I spoke with XXXX, employee # XXXX at Ditech who refused to allow me to pay my loan bi-weekly because of the type of loan I qualified for.
Product: Credit reporting, credit repair services, or other personal consumer reports

i found these following hard inquiries that i did not approve of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX  XXXX XXXX please make sure to look at the dates because I have a hard inquiry link with one of my recent credit card that i opened up and dont want you to delete it so it wont mess that account up.
Product: Credit reporting or other personal consumer reports

I did not authorize any of these inquiries and they were obtained fraudulently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i looked at my report and i noticed there was a credit card in the amount of XXXX $ on my report which inturn i reached out to company asking for immediate removal so i got a police report from local sheriffs office and ftc.gov before retaining a lawyer for further litigation which is my next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw that there were multiple inaccurate information reporting on my credit. I have reached out to the credit bureaus for help and there has been no relief.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received my Transunion consumer report File # XXXX and it's still not addressing the violations. I DID NOT made a request for verifying or validating of any debt. My request is that Transunion still reporting my transactions & experiences with XXXX. I am requesting for 3rd time to have the transaction & experience remove according Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX Fraud Management to dispute cell phone account # for amount of XXXX XXXX XXXX XXXX. Company took my info and said it would be marked as fraudulent. checking credit report today XXXX XXXX XXXX and there is a collection opened XXXX XXXX, XXXX ( 4 months ) showing this XXXX account in collection by a collections company XXXX XXXX XXXX. There is no coverage in my area for XXXX cell service. I have been in my home since XXXX XXXX XXXX and I use XXXX and XXXX service for the last 20years. Seems as if the Credit company and the collections company should do a better job at verifying info before posting it to your credit file.
Product: Credit reporting or other personal consumer reports

they keep sending emails to me, but the results are blank on the pages and saying here is your results
Product: Credit reporting or other personal consumer reports

I currently have a XXXX  account, but on my credit report, its showing that i have a collection account from XXXX in collection. Per 605b, this account does not belong to me and is a fraudulent account. Please start an investigation and delete this account from my credit report. 
The company that is reporting is the following : ( 1 ) XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Amount : {$3200.00} Original Creditor : XXXX  ( 2 ) XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked over my credit report and I see several addresses I do not live at listed on my report. My name is XXXX XXXX XXXX The following address are not mine and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Debt collection

On XX/XX/20 I sent correspondence to First National Collection Bureau , Inc. stating that I was a victim of identity theft ( 08_07_20_Signed_Identity Theft Letter to a Debt Collector_First National Collection Bureau ). 
The letter was sent Certified Mail Return Receipt, and was in First National Collection Bureau, Incs possession as of XX/XX/20 ( XXXXFirstNationalCollectionBureau Return Receipt_item sent XXXX ). 
The letter explained to First National Collection Bureau , Inc that I am a victim of identity theft. In addition, the letter informed First National Collection Bureaus responsibilities under the Fair Credit Reporting Act ( FCRA ) ; which requires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
First National Collection Bureau was asked to provide me with the records I requested ( XXXXSigned_Identity Theft Letter to a Debt Collector_First National Collection Bureau ). 
Again, First National Collection Bureau was in receipt of this request on XX/XX/20. The 30-day deadline for me receiving the required documents has passed as of XX/XX/20. 
Section 609 ( e ) ( 1 ) of the FCRA, 15 U.S.C. 1681g ( e ) ( 1 ), requires a business entity to provide an identity theft victim with application and business transaction records evidencing any transaction that the victim alleges to be the result of identity theft. The business entity must provide such records not later than 30 days after the date of receipt of a request from a victim. 
The FTC also has issued guidance to businesses seeking to comply with FCRA Section 609 ( e ). Each guidance document states that businesses must provide records directly to victims upon request.

It appears that First National Collection Bureau , Inc.s failure to provide the requested documentation does not comply with the requirements of the FCRA XXXX Therefore, please provide me with copies of the application for the account and the transaction records concerning this fraudulent debt. Relevant documents should include, but are not limited to, the following types of records : Application records or screen prints of Internet/phone applications Billing statements Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Signatures on applications and accounts Any other documents or records associated with the account Again, since I have not received these records, I believe your company is in willful violation of 609e. 
If you believe you are not required to provide any part of the documentation requested in this letter, please provide me with a written explanation of your position within 14 days of the date of this complaint.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items 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
Product: Credit reporting, credit repair services, 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 with out my written instructions 15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit card

I have a problem with Capitol one and high interest. I have called them a few times to ask for a reduction on my interest rate or even just a few months of no interest to help get my balance down. I pay on time and pay more then in minimum payment. With interest they take more then half of the minimum payment. I am XXXX and live on a XXXX XXXX Along with the high interest, the credit report used by Capitol one is of no benefit to my credit score. My credit score with Capitol one creditwise is great but it doesn't seem to help my XXXX  score get better. I am unable to get a XXXX interest card to transfer the balance. My credit card balance is under {$2000.00}, but I can't get help to save money in paying living on a fixed income. If I can get my interest rate and balance lower, I will have enough money to buy more food for the month to survive. At the most they charge {$41.00} in interest and my minimum is {$54.00}. I wish I could use some of that money to eat food. They are not willing to work with me and help my debit. I feel Capitol One has to charge high interest to pay for celebrity endorsements. I am sorry I signed up with them.
Product: Mortgage

We have a licensed loan originator who has 0 respect for law or compliance and has been named as a top originator in the country several times. The public is being harmed as well as United States Tax payers. 

It has been brought to our attention that this loan originator has been buying business from real estate agent and giving TV 's, Refrigerators, and other things of value for business in return and has been done publicly via XXXX and other social media sites.
Product: Credit card

Someone forged a mortgage against our property and it has left me in financial ruin. 

We fell behind on a payment from Capital One for XXXX weeks, and now they have increased the late fee by {$11.00} from last month and they are demanding the payment for XXXX AND the payment for XXXX for {$840.00} now. The due date is the XXXX of every month and just the payment from XX/XX/year> is owed, but since I do not have the payment for XXXX months now, the account will go into default status and will incur additional late fees on XX/XX/XXXX. 

I can't even see what the minimum for XXXX is anywhere, and the minimum amount due across all statements and online reporting is including the payment for XXXX. 

They offered a plan to catch up for {$600.00} per month for three months, but wouldn't tell me what the amount due is just for XXXX, stating " The minimum due of {$840.00} includes interest '' The payments were just shy of {$400.00}, and now that we're trying to pay that, the minimum is {$890.00}, or we're 30 days late? 

And they decided to increase late fees from {$29.00} last month to {$40.00} this month with no notice? 

We're climbing out of a bad spot, but how can we get caught up with the payments being a moving target? We don't want to default, we want to honor the debt and we take pride in our credit. 

We can't get caught up at this rate. 

When interest rates went down, Capital One 's interest rates went up. How does that work? 

We have had this card for over XXXX years in good standing, and we're taken back at how they're handling a circumstantial set back that has only happened once in XXXX years. 

What is possible?
Product: Credit card or prepaid card

I had a loan out from XXXX XXXX. Then I just received a Wells Fargo credit card. I was told I could balance transfer the XXXX XXXX XXXX to WF credit card at NO interest. I was having a hard time trying to use the credit card, so WF said they would send a check, but then when XXXX XXXX got the check, they said it wasn't valid. So, back trying to use my card, then it went through. Now, I'm getting interest charges on that transaction. Then I got in touch with WF and said they couldn't do anything. 
I'm trying to go into my WF cre0dit card account to find the dates this transaction and my account is now closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to reach out to Experian, they have not given me access to my CONSUMER REPORT and XXXX  REPORT. I have attached screenshots as proof.