23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loan has been serviced by six sharks since XXXX. Originally {$5000.00} total ( one subsidized, one unsubsidized ), it was issued by XXXX  XXXX XXXX. At that time I made some payments while still attending college. The second lender was XXXX. Then XXXX XXXX XXXX who really gouged me. Then XXXX XXXX and XXXX. I have been in college on and off the entire time. In XXXX I was called repetively at work to repay my defaulted student loan. I had already attempted directly to make payments toward my loan previously but received contradictory and confusing information. This time was no different. But I had a steady paycheck and I wanted to pay. I was informed that I could not start paying on my loan directly unless I wanted to pay the entire balance. Otherwise I must pay {$5.00} a month to another company XXXX for 9 months in order to show my repayment worthiness. Meanwhile my loan interest is growing and they garnish my tax return to the tune of {$3000.00}. In XX/XX/XXXX my combined loan amount is {$5400.00}. By XX/XX/XXXX the entire amount us {$8100.00} and appears to accrue about $ XXXX/month but sometimes they double up and give me two statements for the same month where the interest is more like $ XXXX/month. What happened between XX/XX/XXXX and XX/XX/XXXX? In 32 months I accumulated + {$2700.00} in debt. About $ XXXX/month. Hmmmm ... I didn't go to school for math but this seems deviant. 
After a year of making payments I am able to make payments directly to my loans again plus so much interest. Only I don't see where my {$3000.00} garnished tax return has made a dent my now over {$8000.00} debt. Only the Department of Treasury sends me paperwork about home much was taken without permission. I had a XXXX XXXX XXXX at home and was a single mother. This really hurt. So where did the money go? How was it applied? The loan servicer never sent any paperwork. Even today, after overpaying for 4years, I still wonder where my payments go. I understand the 6.8 % APR and that there is interest upon interest but I have now paid for this loan twice and still owe over {$3000.00}. Why? What do they really do with my overpayments anyway? What was the purpose of the lawsuit if not to protect people who have been abused by their predatory practices?
Product: Credit reporting

this accounts was disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified letter was received on XX/XX/XXXX, return receipt in attachment investigation still in process takes more than 30 days, no any answers
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy .

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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

On XX/XX/2021 I was alerted of a credit inquiry on my credit for the US Small Business Administration ODA. I contacted the SBA and verified I did not submit this request and it was an attempt of fraud utilizing my credit. I have placed credit freezes, filed police report, contacted credit bureaus, and submitted fraud alert with indentitytheft.gov. Would like this inquiry removed.
Product: Credit reporting or other personal consumer reports

WHEN I DISPUTED INACCURATE INFORMATION ABOUT MY CREDIT TO THE CREDIT BUREAUS, THEY ALWAYS COME BACK WITH MY DISPUTE AS BEING VERIFIED AND UPDATED ... THEY NEVER FIX THE PROBLEM AND IT'S HINDERS ME FROM EXPLORING MY CREDIT OPTION FOR GETTING APPROVED FOR LOANS BECAUSE OF THE NEGITIVE INACCURATE INFORMATION THATS REPORTING ON MY CREDIT .... EXPERIAN AND TRANSUNION AND EQUIFAX DO NOT INVESTIGATE AND NOR DO THEY CARE ABOUT FIXING THE PROBLEM FOR THE CONSUMER.. ACCORDING TO THE FAIR CREDIT ACT.. 15 USC1692C I ALSO HAVE A HOSPITAL BILL THATS REPORTING ON MY CREDIT... IT IS ILLEGAL FOR CONSUMER REPORTING AGENCIES TO REPORT MEDICAL BILLS TO THE CREDIT BUREAUS ACCORDING TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) THE RULE WENT INTO EFFECT 60 DAYS AFTER PUBLICATION IN THE FEDERAL REGISTER ON XX/XX/year>.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. two fraudulent accounts unauthorized identity theft : fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I asked yall back in XXXX to remove this account. I have sent the dispute letters and court documents to you and the credit bureaus, from the court of law that States that this is a Error being reported on my credit report regarding, this company XXXX XXXX account # XXXX Im not responsible for this and it has been filed with a bankruptcy and has been dismissed in court and without prejudice. 
This account has been removed from the owner 's credit profiles. also needs to be deleted completely now!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are in violation! I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law Equifax and XXXX are consumer reporting agencies and I am the Consumer According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I received notice that the account XXXX XXXX XXXX XXXX was removed from my XXXX credit report. However on XX/XX/24, I received another notice that this same account was re-added to my account. I asked for certification of this account belonging to me but I was never given this certification. Also there are inaccuracies for this account across all the 3 credit report. I am asking this account be removed from my XXXX and Experian credit reports.
Product: Debt collection

THIS IS MY SECOND COMPLAINT AGAINST NATIONAL CREDIT SYSTEM! I HAVE RECENTLY SENT THEM AN AFFIDAVIT TO CEASE AND DESIST ALL COLLECTION EFFORTS, AND TO STOP REPORTING ON A FRAUDULENT DEBT THAT I HAVE KNOW KNOWLEDGE ON AND ALSO NO CONTRACTUAL AGREEMENT BETWEEN MYSELF AND ALSO THEIR COMPANY. I ALSO DON'T THINK THAT NATIONAL CREDIT SYSTEM HAS A LICENSE IN THE STATE OF TEXAS WHICH IS MY THIRD CONCERN WITH THIS COMPANY! AGAIN NATIONAL CREDIT SYSTEM IS IN VIOLATION OF THE FAIR DEBT COLLECTIONS PRACTICES ACT FOR TRYING TO COLLECT ON A DEBT THAT IS THE RESULT OF IDENTITY THEFT!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX
Product: Vehicle loan or lease

back in XXXX i disputed this information. This account is also XXXX years old and needs to be deleted anyway. XXXX XXXX stated that they will delete and cancel contract. They deleted it off XXXX but not the other credit bureau. i attached a screen shot of the deletion.
Product: Debt collection

I received two bills from XXXX billing and collection. Date on letter was XX/XX/XXXX. I received the notice XX/XX/XXXX. Responded to both notices I received. Document for medical imaging was paid through a financial assistance program through the hospital XXXX. in Idaho falls. For XXXX XXXX XXXX. I was under payment arrangement with hospital. Hospital failed to contact me sent bill to collections. Asked collection agency to validate both debts. Never received any confirmation. I went into company approximately XX/XX/XXXX I asked them to send me a letter validating the debt. I was told they don't send letters out and if I wanted written communication I would have to leave a self addressed stamped envelope. Said they would communicate via email. Gave them my email. They have not communicated with me at all. I don't see how this is fare practice. I would also like to fine a complaint about mountain view hospital. I pay my bills. I tried contacting them to continue our payment arrangement. I left messages. They failed to contact me and sent my bill to XXXX billing and shipping. Who are rude and don't even validate
Product: Credit reporting or other personal consumer reports

I was XXXX for my bankruptcy XXXX  XXXX in XX/XX/2019. My bankruptcy is being reported without my permission " Permissible Purpose '' 15USC 1681b ( a ) ( 1 ) ( 2 ) : Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

No written instructions were given/submitted to anyone. My bankruptcy should not be on my consumer report with XXXX, XXXX, and XXXX. This violates my consumer rights and should be removed immediately. I have reached out to the bankruptcy court ( see attachment ) they have confirmed that they do not report/verify bankruptcies to the credit bureaus. 

I have included communications from LexisNexis  who have been reporting to XXXX about my bankruptcy without my permission. As you see in the attached correspondences that their customers which include companies in various industries such as financial services, insurance, government and healthcare have a permissible purpose to access my information. this is a direct violation to my consumer rights.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Accounts XXXX Credit # XXXX, XXXX Bank # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 604 A it also states that a consumer reporting agency can not furnish a account without my written instructions. 

Delete these accounts
Product: Credit reporting 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. 


I told XXXX, XXXX, and Equifax to reinvestigate this account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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 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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  - XXXX XXXX  - XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX TAB | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX failed to respond to a complaint and is in violation of FCRA section 611 part, [ A ] [ 1 ], complaint number XXXX from XX/XX/2018. XXXX fine is due, furthermore i have a screenshot showing the account was paid 100 percent by individual,
Product: Student loan

I have multiple payments on my account that are determined to be ineligible toward PSLF due to the reported reason of 'You Do Not Have a Bill Due For this Payment Period. ' However, PSLF does not state that a bill needs to be due, but instead that 120 payments are required to be made toward the loan.

I have 2 federal loans - a direct unsub loan & a direct sub loan. I get one bill each month that includes both loans. One of the 'ineligible " payments is dated XX/XX/XXXX with the above reason - 'You Do Not Have a Bill Due For this Payment Period. ' However, the payment counted toward my direct sub loan but did not count toward my direct unsub loan, despite both having on

ly 1 bill that includes both loans. Two of my ineligible payments from XX/XX/XXXX continue to state 'Pending Manual Review ' despite it being 8yrs later. 

Attached is the information for my ineligible payments as well as documentation demonstrating payments, despite reports of not having bills due for the period. My loans have traded hands multiple times and so I do not have my full history of payments ; however the ineligible payment in and of itself demonstrates that a payment was made. 

Thank you for any help in this matter.
Product: Credit card

I started receiving late fees at the beginning of XXXX of XXXX. My same payments have been delivered consistently for months. From what I see, when my bank says they delivered the payments ( which are automatic and occur every month ), the posting on Synchrony 's app happens at the same time. The issue is, they're charging me late fees based on the time it takes THEM to process my account. I have proof from my bank, on the dates the transaction happens, and when the payment was delivered and they have matched up to the dates on Synchrony 's mobile app. Except, in XXXX, my payment was delivered by the XXXX of XXXX, the due date is the XXXX, and Synchrony processed it on the XXXX, thereby charging me a late fee. Because of this late charge on their end, they've continued to charge me late fees every month as a result. Again, when I review Synchrony 's mobile app, every date that they have received my payment matches to my bank account directly and I can provide this proof. However, i'm being punished because they processed a payment, that they've had since the XXXX, on the XXXX, when my due date is the XXXX. I also had this issue last year. I was paying them on their due date, and every month, they received the bill from me on their due date. However, even though dates aligned from what I can see, I've been charged months worth of late payments because I didn't send them their payment at the beginning of the month. This all sounds very questionable to me. I would have liked to see the differences from last year too, but I can only view up to XX/XX/XXXX through the mobile app unless I request to go paperless, but I really don't trust this bank at this point.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX  is reporting an account I never opened. I told them to close the account immediately and provided identification information requested but yet they constantly choose to do otherwise.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 rule 1002 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: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Payday loan, title loan, or personal loan

I borrowed XXXX and have paid XXXX so I feel as though I have more than fulfilled my loan. The apr is 784 %! Please help