23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have 8 private loans obtained by Sallie Mae back in XXXX. I was an XXXX XXXX at XXXX XXXX XXXX  and needed additional funds to pay for my XXXX degree. I remember the interest rate being a fixed interest rate at 4.5 %. The total borrowed amount was around {$39000.00}. I went to graduate school after XXXX and my loans were placed into deferment. Upon completing graduate school in XXXX, my payments fluctuated often. Upon looking into the loans, I realized that Navient ( who was and is now servicing my loans ) was charging 10 % interest. I established a payment with them to keep my credit in good standing. I also asked for my initial loan documents to see why my interest rate has changed. After years of battling back and forth, I have only received my initial application with the terms for the loan, but the terms and conditions are not specific enough to understand if they are allowed to change my interest rate and other issues in terms of repayment. I was even told by multiple representatives that I would have to go into delinquency to get a payment plan established even when I was proactive in trying to receive payment plan. To date, the loans are over {$83000.00} in total and the interest rate is constantly fluctuation ( as high as 10 % and currently at 9.5 % ). My current payment plan will end in XX/XX/XXXX. I have applied for a new payment plan ; however, with the changing terms and conditions, it is not likely that I will be able to afford the payments. Given the issue of changing terms and conditions, I am submitting a complaint to CFPB. To date, I have paid back somewhere around {$20000.00} ; however, the overall amount keeps increasing given the interest rate changes so an end to paying these loans are not in site. I would like assistance in this matter. My current payment is {$470.00}, {$460.00} of which goes to interest.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ChexSystems XXXX XXXX Attn : Consumer Disputes XXXX XXXX XXXX XXXX, MN XXXX Subject : DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS IDENTITY THEFT CLAIM To Whom It May Concern, This letter serves as a formal and final demand for the immediate removal of fraudulent accounts appearing on my ChexSystems report , which were opened without my authorization. This is a case of identity theft, and you are now on notice that failure to act will result in immediate legal action. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX ( 15 U.S.C. XXXXXXXX XXXX, you are required by law to block and remove fraudulent information from my file within XXXX ( XXXX ) business days of receiving this dispute. Your failure to comply will constitute willful non-compliance with federal law. 

Fraudulent Accounts That Must Be Deleted Immediately : XXXX Credit Union XXXXXXXX XXXX  XXXX for Account XXXX , Charge-Off : {$810.00}, Closure Date : XX/XX/XXXX XXXX. XXXX XXXX Bank Reported for XXXX  Activity, Charge-Off : {$860.00}, Closure Date : XX/XX/XXXX XXXX. Bank XXXX XXXX Reported for XXXX, Charge-Off : {$1100.00}, Closure Date : XX/XX/XXXX I am demanding immediate deletion of these accounts because they are fraudulent, unverifiable, and damaging to my financial standing. If these accounts are not removed within XXXX ( XXXX ) business days, I will take the following actions without further notice : File a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the TXXXX XXXX  Generals Office. 
Pursue legal action against ChexSystems for willful non-compliance under FCRA XXXX and XXXX, which allow for actual, statutory, and punitive damages. 
Hold ChexSystems financially liable for defamation and reckless reporting of false information. 

Enclosed Supporting Documents : Government-issued ID ( to verify my identity ) Proof of address ( utility bill or bank statement ) Identity Theft Report ( documenting the fraud ) This is not a request ; this is a final demand. You are now legally obligated to investigate and permanently remove these fraudulent accounts within XXXX ( XXXX ) days. Failure to do so will trigger legal and regulatory consequences against ChexSystems. 

I expect written confirmation of the removal immediately. If I do not receive a response by the deadline, I will escalate this matter aggressively. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX
Product: Student loan

My trellis has place tax offsets to working class people who are affected by Covid 19 and the winter storms in Texas. As we tried to communicate with them they have the audacity to continue their collection efforts despite the current climate. They have bordered on illegal collection practices and refuse to correct wrong doing in their part.
Product: Credit reporting

Previous deleted items were added onto my credit report without prior written notification Per FRCA Section 611. All items must be removed. 
XXXX : XXXX/XXXX/16 XXXX : XXXX/XXXX/16, XXXX/XXXX/16 XXXX : XXXX/XXXX/16, XXXX/XXXX/16
Product: Debt collection

{$37.00} on XXXX XXXX XXXX I paid for gas through XXXX XXXX XXXX XXXX XXXX. No way to check if account is up to date. XXXX XXXX XXXX  ( 5 days later ) an email from debt Collector Checkredi. I inquired about debt and agreed to pay owed {$37.00}. They took card and charged additional {$35.00}, total {$72.00}. They also informed me there is no way to check or update payment info in app, and that this was my opportunity to update now. This is an organized extortion system between XXXXXXXX XXXX XXXX XXXX XXXX and CheckrediXXXX  They make it nearly impossible and very impractical to know for sure, if ur account is up to date before transacting. Its ridiculous and Ive already gone ahead to dispute the additional {$35.00}. I also communicated that Im a victim of identity theft, filed with the FTC XXXX XXXX XXXX and that the account in question which I wasnt able to validate because of the shady practices between XXXX XXXX and Checkredi was remnant left over from the identity theft I was experiencing on that account. Also the website the provide to deal with this matter with ur login credentials from the XXXX XXXX XXXX does not work at all. The whole thing is a ploy.
Product: Credit card or prepaid card

In XX/XX/XXXX, my husband XXXX XXXX and I closed his accounts with HSBC. Despite that, we received a statement in XX/XX/XXXX for an amount we own as we accidently charged the HSBC card for a transaction we made. We paid the balance, called and went to a branch ( XXXX, NYC ) to confirm the accounts are not all closed. The banker and the call center representative confirmed all accounts are now closed. 
A YEAR later, XX/XX/XXXX, we received a statement in the mail informing us the card is closed. However, at the same week we received a later showing we have an amount due on the card. When we called the call center we were surprised to find that not only we have an amount due but that the bank has moved our account to COLLECTIONS! Which obviously impacts our credit score! we did NOT receive any notification of this amount  previously or were aware of such charge ( as we were told the card was closed ). 
We called the bank multiple times, each time the representative told us to call a different department ( from general to recovery to collections to disputes ). This is absolutely outrageous! Firstly because we did NOT use the card! Secondly, because even if we did, as the bank confirm the card was closed, the transaction should have been rejected! and THIRDLY, if a charge was made, we should have been informed BEFORE the case went to COLLECTIONS! HSBC has been harassing my husband who is a doctor and a resident at a hospital with a very limited time! they DAMAGED his credit score!! and they have accepted a charge on a CLOSED account!
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX XXXX Account name : XXXX # XXXX XXXX  # XXXX Account name : XXXX XXXX  XXXX Account name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

For The Past two years I've been trying to remove old Addresses from Equifax credit report. I've sent leases, utility bills and everything i could to prove that these address dont belong to me .but they always re appear with no explanation. 


The address in question goes as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Money transfer, virtual currency, or money service

On about XX/XX/21, I received a debit card in the mail for XXXX. I never opened an account with them, nor do I have an app, yet I received the card. I sent an email to them and they notified me that the account was closed and an alert was placed. I then received a card in the mail on XX/XX/21 from XXXX XXXX. I do have the Cash App downloaded and I use it, but I never requested a card. I have contacted them but am waiting for them to call me back.
Product: Credit reporting or other personal consumer reports

Inquiries in my report not authorized to open a vehicle account and credit cards. I contacted the companies and it has not been removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to the Trans Union XXXX, XXXX. He said that they can charge me to know my score. I advised him that they are sharing XXXX with creditors and I should know my credit score without it being held for ransom so that I can make informed decisions related to an interest rate I am being charged based on a score that creditors know and I need to pay for. Seems as if this is a violation of FCRA as I am entitled to see what perspective creditors see without being guaged to pay for it. Almost seems like the basis of a class action Lawsuit. He said thats the way it is and my attorney can better explain. Other reporting companies ( Experian/Equifax ) provide without requiring a ransom payment.
Product: Credit card

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a Consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX ACCOUNT NUMBER - XXXX
Product: Checking or savings account

My family and I have all had a similar experience recently where Chase has decided to close our accounts, mostly without notification, and subsequently said that the balance would be mailed to the address listed on the account. On XX/XX/XXXX, I discovered that my Personal Checking account was shut down because of a failed XXXX payment. I was not previously or since notified of its closure. My mother went to a Chase branch, as all of her accounts had been locked out. She was told by the bank teller that the balance of MY checking account was to be sent to our home, but could not explain why her name was on my account ( college checking, not high school/minor ). It is currently XX/XX/XXXX, and I have still not received the balance of my account and there is still no notification of the closure of my account. Today I went to withdraw my money from my savings account, as I am moving banks, and I went through most of the process before the manager had to override due to the quantity of money. After this, she pulled me aside to tell me that they were mailing me the balance of my account, but claimed that it was only {$0.00} anyway. The account had {$10000.00} in it, as per my app ( I have photo evidence ). To my knowledge, I have never made a withdrawal from this account, so the amount given is very obviously wrong to me. I was informed at the branch that the savings account had been shut down, which I had once again not been at all notified of. 
My entire family has endured similar account shutdowns, without notification or a given reason. These accounts were able to be recouped in value by cashiers checks, as they were emptied before they were closed but after they were locked out for supposed fraud.
Product: Debt collection

XX/XX/XXXX XXXX I called Called customer service to request documentation of a charged off account from XXXX which had been settled. I specifically asked for documents that showed the dates and amount. I was transferred to recovery services and spoke with a representative that stated that the document would be sent out via postal mail within 5-7 days. XX/XX/XXXX XXXX No documents received- I called recovery services again to request the same documents and spoke with XXXX XXXX and was told I would receive the documents via fax as well as postal mail. I should receive both -Fax within 2 days, postal mail within 5-7 days. XX/XX/XXXX I called recovery services and spoke with a Supervisor. Last name XXXX, and requested the documents again via fax as well as postal mail. XX/XX/XXXX received a letter stated that I completed a settle with no dates no amounts. XX/XX/XXXX Called customer service - Spoke with XXXX to ask who could provide the documents with the details requested, and was told to contact recovery services and given a number which led me back to customer service again. I then spoke with XXXX and repeated the same story and requested information, but not able to be put in contact with anyone who actually has the requested documents. 

XX/XX/XXXX I received an email from XXXX XXXX stating should would be the person handle my complaint. However, I was not given an email address in the provided contact information which resulting in me calling and leaving many voicemails over the course of this issue everyday without response until Friday XX/XX/XXXX. During the call I expressed exactly what I needed as I have done with various reps on behalf of Bank of America. I also expressed that this has put me at risk of losing my employment and has prevented from working, putting my employment at risk as the Documents are required by XXXX for documentation on a XXXX for form. 

I was under assumption was that I would receive some type of documentation or communication as what I have been asking for is not very complicated and is listed below -the total amount owed -what was the amount agreed to be paid in the settlement? ( how much and when? ) -was it paid? how much and when? 
- is the debt resolved? 

I called again on Wednesday XX/XX/XXXX, and again on XX/XX/XXXX without response only a number that goes straight to a voicemail as it done over the course of this issue. I would also like to add that the lack of communication and a system that is set up to keep it this way is incredibly frustrating. Their automated phone system does not allow you to talk to anyone unless you have their exact extension, and the only one that I have been provided has yielded no results, just straight to a phone that goes directly to voicemail no matter what time of the day that I call, leaving me to file another complaint. This is the same for the email system as well which does not go directly any individual, but just a department email address.
Product: Debt collection

Please see the attached letter that has been sent to you countless of times with no response or communication. I have filed police reports and a federal trade commission complaint form regarding account number XXXX. 

I am a victim of identity theft as well as a XXXX XXXX XXXX. By law, you are required to remove the mentioned account immediately from my credit report. I will be resorting to legal counsel if this is not resolved immediately.
Product: Debt collection

My credit card information was stolen by an ex boyfriend and he used it and put me into debt when I couldnt pay it. Now I get repeated phone calls, and I had blocked numbers because Ive gotten over 15 to 20 calls a day being harassed about it, and he used it and put me into severe debt when I couldnt pay it. now my credit score is ruined because of him using several credit cards of mine that I did not authorize.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

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

XXXX XXXX XXXX called on XXXX and left a threatening voicemail that I need to " act accordingly ''. 

I called on XXXX  and spoke with XXXX XXXX, stating that the debt in question had been paid years ago. 

I was told that if I don't send them the money today they are going to report me to XXXX XXXX, have my bank account closed, Report the debt on my credit report, file a judgement against me and file fraud charges against me that would result in my arrest. 

This debt is over XXXX yrs old and was settled many years ago.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : XXXX XXXX Equifax for Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am filing this formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness. 
Details of the Reported Late Payments : Equifax : Late payment reported in XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations XXXX 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reported in XX/XX/XXXX is inaccurate and has not been corrected despite multiple disputes. 
15 U.S. Code 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in this case. 
Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors are required to send periodic statements at least XXXX days before the payment due date. The inaccurate reporting of the late payment suggests noncompliance with this requirement, violating consumer rights to timely and accurate disclosures. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The erroneous late payment on this account violates these protections. 
Resolution Sought : Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation from Equifax that this correction has been made. 
If this issue is not resolved promptly, I will escalate this matter further, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Im sending out this complaint because its been 3 months since I havent received my unemployment card
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries done ALL the same exact day! 

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 

some gave me the run around over the phone because they couldn't find anything so they kept switching me to multiple department and no one could help me figure out why they pulled my credit without my consent, nor could give a proper answer. 

Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete it. 

here are the inquiries to immediately remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX / XX/XX/2023 I also mail certified with return receipt the dispute to the credit bureau Experian who's reporting this wrongfully enclosed a copy
Product: Credit reporting

I am being billed for an item I have no knowledge of, until I received a letter from the collection agency. I was out of the country for a period of time and I believe someone that resided with me at the time, created an account with out of my knowledge.attached is my credit report