23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I filed bankruptcy in XXXX but my lawyer would not include my student loan because Sallie Mae told me it was not eligible. I didn't even get the chance to ask a judge. I was told there is no Income-driven repayment plan available for me and that my loans would never be discharged after 20-25 years. I remember that day clearly because any ounce of hope I had left of being relieved of this burden left me in an instance. I attended XXXX XXXX XXXX XXXX XXXX XXXX at the Cooking and XXXX XXXX of XXXX which has since been closed down due to misleading students when it came to their private student loans. I submitted an application for loan forgiveness through the Borrow Defense program but I was denied. I submitted an application for reconsideration in XXXX of XXXX but have never received any other correspondence. My original loan amount in XXXX was {$33000.00}. As of today, almost 20 years later, I have paid over {$51000.00} back and I still owe over {$49000.00} due to interest and fees. That is just in private student loan. That does not include my federal student loan. The latest I ever was on a payment was 2 days short of going into default. I begged family members for money to make a payment to avoid going into default. Today I find that was a crucial mistake given the new settlement that I may have been eligible for if I had just let it go. My grandmother was my cosigner because my credit score was too low to get the loan on my own. After constantly being late and missing payments, my grandmother was so upset that she stopped talking to me. Unfortunately, we were unable to mend our relationship before she passed in XXXX. This is the story of thousands of private student loan borrowers, not just myself. It really is sad that this has happened to so many Americans who were just trying to better their lives. Now I sit alone because I'm so far in student loan debt that I can never get out. Which means I can never buy a home, or build a family. I can never get married with this financial burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. Information is inaccurate on report
Product: Credit card

I was signed up for Capital One Walmart card, XX/XX/XXXX2024. I had no issue using the virtual card, before the hard copy arrived. In the process of the hard copy arriving, the mail delivery for my condos were being routed to the post office. I retrieved my hard copy and now my account is restricted. I have faxed over, my identification and my social security 3 times to capital one. Each time, they are saying they never received. They gave me until XX/XX/XXXX to send over my social or my account will be CLOSED. I have paid my account balance, even paying more than requested. My account shouldn't have ever been closed. I have other accounts with capital one that are fine. I have a deadline and Capital one representatives are all telling me different things. I need my account to be unrestricted, I have sent over the information more times than one. I have the copies. Thank you
Product: Credit reporting or other personal consumer reports

I tried to obtain my three free credit reports on XXXX. Was able to easily obtain my XXXX nd XXXX reports. It would not allow me to obtain my Equifax report. 

I then signed up for all three websites ( XXXX, XXXX and Equifax ) to freeze my credit reports. I could do this on all sites and see my credit score. However, I then tried to obtain my free credit report on Equifax and it would not provide it. Not sure they are having techinical issues or what?

Tried to call, but could in no way talk to anyone and just get dumped around and hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit profile that i did not apply for. ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Company is reporting a debt on my credit report, a letter was sent certified mail demanding proof of debt. However the certified letter was returned to sender, the address the company is reporting to the credit bureau is inaccurate. 
Letters were sent certified mail on XXXX/XXXX/XXXX Letters sent to credit bureau on XXXX/XXXX/XXXX informing them of the inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX 2016 Balance : {$20000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I 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. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Vehicle loan or lease

I Am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I XXXX XXXX XXXX, Consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit for the full amount of {$82000.00} by CAPITAL ONE AUTO FINANCE , INC. I was notified of this transgression of my rights, specifically- 15 usc 1601- The Truth In Lending Act by CAPITAL ONE AUTO FINANCE, INC Via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21! According to 15 USC 1605- The sum of all charges are included in the finance charge & The finance charge does not include charges of a type payable in a comparable cash transaction. I was told by XXXX XXXX & CAPITAL ONE AUTO FINANCE , INC that I had to put a downpayment down for {$38000.00} for the credit transaction to be approved when Im fact cash transactions arent included in finance charge. According to 15 USC 1602, I as a natural person possessing an open-end credit plan was harmed by CAPITAL ONE AUTO FINANCE, INC Adverse action taken against me denying my rights of which Criminal damages pursuant to 15 USC 1611 ( 1 ) ( 3 ) are to be fined not more than {$5000.00} or imprisoned not more than one year, or both. CAPITAL ONE AUTO FINANCE, INC is now criminal liable to pay me for the damages.
Product: Payday loan, title loan, personal loan, or advance loan

Requesting that United Consumer Financial Services adjust my loan interest rate to the XXXX XXXX cap that Louisiana statute RS 29:312 states and refund me the overage amount.
Product: Credit card or prepaid card

I am tired of my bank declining all my credit card application for the same reason they refuse to approve me I dont appreciate this
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX limited I am writing to bring to your attention the repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ) by Michael Wayne Investment Firm regarding the reporting of my insurance payments. Since I financed my vehicle on XX/XX/XXXX, your firm has failed to consistently and accurately report my payments to the relevant credit reporting agencies. As of the date of this letter, only 7 payment reports have been made, despite my having made timely payments over the past 22 months. 

The failure to accurately report my payment history constitutes multiple violations of the FCRA, which mandates that consumer data be reported accurately and in a timely manner. These violations have directly harmed my ability to secure financing, resulting in the denial of both a {$50000.00} and a {$30000.00} vehicle loan, and have caused significant emotional and financial distress. 

In accordance with the FCRA, I am seeking statutory damages of ** {$1000.00} for each instance of inaccurate or missed reporting**. Based on the 15 months of missed reporting, I am hereby billing Michael Wayne Investment Firm for a total of XXXX XXXX XXXX ( {$1000.00} per violation ). 

This letter serves as a formal demand for payment of these statutory damages. I expect full payment of the aforementioned amount within **30 days** of receipt of this letter. If no resolution is reached within this period, I will be forced to pursue further legal action to recover these damages, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies in court. 

Please contact me within **10 days** to confirm your receipt of this letter and to provide a timeline for the payment.
Product: Credit card or prepaid card

I have a great credit score, low debt and great salary since I work for a XXXX XXXX I was excited about applying to the new Capital One Venture X card. They denied me and didn't provide a reason. When I called their 1800 number they don't have a department that deals with applications so that an actual human being and not a computer algorithm can look at my application and realize I've never been late or had any credit problems, that I have a very good salary and that I would be a great customer.
Product: Credit reporting or other personal consumer reports

These accounts that I am sending you are to be deleted since they are not mine. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I noticed this problem on XX/XX/XXXX " I am writing to delete the following information in my file. The items I need deleted are listed in the report .I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Account name : XXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$970.00} Account name : XXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$1300.00} Account name : XXXX XXXXXXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$1000.00} Account name : XXXX XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$310.00} Account name : XXXXXXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$300.00} Account name : XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$720.00} Account name : XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$54.00} Account name : XXXX XXXX XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$1300.00} Account name : XXXX Account number : When account was open : XX/XX/XXXX Account balance : {$3700.00} Hard Inquiries Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Incorrect Addresses reported to be deleted : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Incorrect names to be deleted please XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

There is a line of credit on Curacao store ... Wich my social secury number was used with out permission.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX [ XX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Inaccurate Credit Report Entries Due to Data Breach Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against National Credit Systems for their failure to address fraudulent entries on my credit report following a data breach that exposed my personal information. 

Summary of the Issue : On XX/XX/year>, I was notified that my personal information was compromised due to a data breach. As a result, fraudulent accounts and unauthorized inquiries appeared on my credit report from XXXX XXXX XXXX I exercised my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) by disputing these inaccurate entries with the credit bureau ( s ) on XXXX. However, despite providing all necessary documentation, including a breach notification and proof of identity, the disputed items have not been removed or corrected. 


Relevant Laws : As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which requires that
Product: Credit reporting

On XX/XX/2015 I reported to Equifax the following, recorded XX/XX/2015. You 'd think SOMEONE with a working brain would have fixed it XXXX IN XXXX AS FORMER RESIDENCE IS NOT TRUE I AM FILING A LAWSUIT ON XX/XX/2015. Fortunately in spite of their incompetence, I was able to get the home loan. But this false identity theft address is STILL on my report after 2 years!
Product: Credit card or prepaid card

On XX/XX/XXXX my Comcast phone stopped working. On XX/XX/XXXX I found out my phone number was stolen ( ported to different carrier ) and my Capital One MasterCard was stolen. Someone had managed to call them ( using stolen phone number ) and get them to send a new card to their address. This is a card that I have not used in over a year and sits in a locked box in my house ( it is still there ).

Capital One called me about attempted fraud, but will not fix the issue until I prove my idenity. The only acceptible way for them is for me to send them scanned copies of my drivers license. While I understand their need to verify my identity, I am not comfortable sending them copies of my document, since they already have a data breach by sending my card to someone other than me and I therefore do not trust their security. I attempted with many phone calls to negotiate any other way to prove my identity ( go to a physical Capital one branch and show my ID, go to the sherriff, federal agency or similar and do the same thing ) and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Highest Balance : {$12.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

I have asked on numerous occasions via phone and email for a signed copy of the original contract, itemized payment history, and proof of right to collect. The company has only provided me a final bill and directs me to call the original creditor. I requested these things, XXXX, XX/XX/XXXX, and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I contacted all three credit reporting agencies and advised them the information they have reported is in accurate I wanted to know the offset ledger of the true bill and to see the 1099c of each and every account thats hurting my credit profile. All three major credit reporting agencies are in violation under the securities exchange act 1934. My debt has been pre paid by the United States of America inc. Collateral with my social security bond.they also violated provisions articlXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Im the GRANTOR of my TRUE ESTATE a secure party creditor im set free and clear of all liens debts tithes held under the color of law all other encumbrances established by the United States of America inc., they also violated fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im owed and entitled to exemptions treaties bonds insurances and guarantees including indemnity and full faith and credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received a copy of my credit report that shows 5 different listings of loan balances from Dept of Ed/ XXXX on all the credit bureaus with the following amounts listed : {$37000.00}, {$2000.00}, {$2100.00}, {$1400.00} and {$4300.00}. I have no knowledge of theses accounts as they do not belong to me. I sent in disputes and received a packet dates XXXX2019 with prommissary notes enclosed with 4 different signatures thats not mines. I'm requested Dept of Ed/XXXX  removed ALL Listings from my Experian, XXXX  and XXXX credit files.
Product: Checking or savings account

Ever since I applied to have a checking account with bank of america i have been getting charged with overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTIFIED THE DIFFERENT CREDIT BUREAUS THAT MY SOCIAL SECURITY NUMBER HAS BEEN USED BY OTHER PERSON, USING MY CREDIT AS THEY WANT, THEY FAIL TO VERIFY IDENTITY AND I AM HAVING BAD REPUTATION, FOR THINGS I DO NOT EVEN OWN. I HAVE PLACE A POLICE REPORT, THIS PERSON REPORTS DIFFERENT NAMES, ADDRESS WHERE I HAVE NEVER LIVED AND HAS BAD DEBT, ALL UNDER MY SOCIAL SECURITY NUMBER. THE CREDIT BUREAU AGENCIES HAVE FAILED TO PROTECT MY WELL BEING, AND DUE TO THIS I BEEN HARRASSED, SEND TO COLLECTIONS, DENIED CREDIT. THIS PERSON HAS A MORTGAGE, CARS LOANS, DEBTS IN BANKS BUT I DO NOT HAVE ANY OF THIS.
Product: Money transfer, virtual currency, or money service

I'm trying to get help with an order that paid for through PayPal but here 's how it goes with the process, I selected, 'I received an item or service that was different or not as described '. That's very correct, the listing for the product did not have the sizes of the fittings or even the size of the pump and when came was the wrong size fittings and the pump much bigger than expected. So with that selection I had to 'Select the type of issue ' and none of the options have anything to do with the item not being as described, the shorthand list is : damaged item, defective item, missing parts, different item, counterfeit item, empty box, unrelated item, non functioning item. Basically you can not move forward without selecting one of those but the problem is the merchant could easily dispute any of those selections. One has to wonder if this isn't PayPal just trying to make it difficult to initiate a dispute or create the ability to reject the claim! For reference, this involves XX/XX/XXXX transaction with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, There is currently an inaccurate item being reported on my credit report from Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX I have contacted this company at the address listed below on my TransUnion credit report which is : XXXX XXXX XXXX XXXXXXXX . XXXX XXXX XXXX, CA XXXX As you can see, I have enclosed a photocopy of my mail being returned from the post office due to an invalid address. 

Given that the furnisher has provided false information to TransUnion about me, and provided TransUnion with a false address, I demand that the item they are reporting be removed immediately.