23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

During the baseball playoffs I came to see an advertisement from XXXX. At the beginning of the broadcast the main message was get a personal loan from us and be on your way out of debt. Now at XXXX pacific time its just a student loans. They are misleading, and are only available to the privilege ones. I was turned down by them but I was re-directed to a different company, I fallowed and after that I was sent to a different company ( recommended ) and from there was link to a different company, in short, I was not able to get anything/ anywhere, yet my credit score dropped cause of all their suggestions. Time to make things clear, separate the people ... look forward to hear from you
Product: Credit card or prepaid card

Comenity bank dental finance keeps taking credit from me. My account is in good standing it's down to {$1400.00} they took, even more, this time the XXXX time this year. It doesn't matter if I make more payments I will still lose all my available credit & only have {$15.00} from {$200.00} available credit. I am being treated this way because me being a single female. I am being discriminated against. My credit score is getting even lower. They try to get by saying it's the credit bureaus. They don't give the credit they just report what creditors report to them. It's them unfairly taking credit away from me. All my other credit accounts are current also. I don't know why they are treating me this way at this rate I'm never going to get a higher credit limit.
Product: Student loan

I am now 4 months into paying my student loan debt to Nelnet and they still do not have a payment schedule available. I have tried calling and escalating this request to no avail. I am unable to efficiently do my financial planning if I do not know my month to month charges. They refuse to provide any correspondence or receipt of my request and they have given me conflicting information on my request when I call. Also the last call took an XXXXr and XXXX XXXX minutes for them to pick up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so frustrated with all three credit bureau, I been writing since 7 month ago been asking for them to dispute all this unknown item on my credit report nothing I been ask for prove from all three credit bureau no prove was sent I wrote all the collection company nothing was done I am in need of help
Product: Credit reporting

I recenctly filed a complaint with cfpb to have a bankruptcy to be removed from my Equifax credit report. When the investigation was complete the bankruptcy was removed and XXXX negative items were added. This could be coincedental I found it odd right after a complaint. I 've since disputed the items that do not belong to me but it seems Equifax has no sense of urgency of getting the items removed. I reached out to the creditors and the social security numbers do not match on these accounts that were added. There are duplicates that 's on my credit report this caused my score to drop XXXX pints in XXXX day. They never verified the social security number they just added this to my report. I took the time and contacted each new item on the report and the last four of the social security numbers does not match mine.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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

XXXX XXXX XXXX {$76.00}, {$350.00}, {$770.00}, {$330.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Vehicle loan or lease

My spouse filed XXXX XXXX bankruptcy without my knowledge, and just for herself. 
The vehicle secured by the loan from BMO Harris is included in the bankruptcy and in the repayment plan. They are attacking MY credit and trying to force me to pay it outside of the bankruptcy proceedings by reporting me as late / delinquent, even though the bankruptcy payments are being made by my spouse and they are receiving funds as agreed within her deal, which has nothing to do with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act CAP1/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 an account without my written instructions. 15 U.S.C 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. 


In accordance with the Fair Credit Reporting act CAPITAL ONE 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 an account without my written instructions. 15 U.S.C 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. 


In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions. 15 U.S.C 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.
Product: Checking or savings account

I was defrauded by a company I thought was XXXX XXXX. 
I was attempting to get a refund for charges being made after I cancelled my account. 

After some discussion they said it was a Two Step authentication process. 
They had me open XXXX and get a code. I did. It seemed authentic. 
Then we agreed they would use XXXX to transfer the money owed. 
I had never used XXXX, so I wasnt sure how it worked. I assumed like XXXX? 
I have computer people that access my computer remotely, so I thought it was ok as I assumed these guys were legit. 
I gave them access to computer, but NOT the codes sent to my phone. ( BOA said I gave them those codes so refused the claim ). 
Before I knew what was happening he was making tranactions through XXXX that I thought was putting money owed into my account, but he emptied it instead. 

I know if sounds foolish and stupid in hindsight. Im usually so skeptical, so I cant believe it happened. 

I have been a client of BOA for almost 35 years. Ive never filed a claim. The one time I need their help and they refused. 
I called multiple times and they kept saying they had my wrong email address. I gave them the correct email but they never sent and explanation. Instead I received only this letter ( attached ) with no option to appeal or no recourse. 
The explanation is based on the phone call I made to the fraud department and that persons perception or interpretation of what I said. 
The facts are not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 i paid for and registered with Rental Kharma Inc.. The company was to report my previous rental history to the credit agencies to improve my score. They did not provide these services, i requested a refund and they didnt refund my initial {$75.00} registration fee i paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

went to dealership was told in house financing but ran my credit with other companies without telling me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have requested information on my credit report to be blocked that is the result of XXXX XXXX  to be BLOCKED and an updated copy of my report to be emailed to me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX credit card {$490.00} shows closed; charged off bad debt. This card was opened and used fraudulently by someone who moved into my old residence at XXXX XXXX XXXX XXXX XXXX XXXX. I did not open, use are physoically have this credit card. This needs to be rmeoved from my report with Transunion.
Product: Bank account or service

Hello to whom this may concern, My name is XXXX XXXX and on XXXX XXXX 2015 I received a letter from Bank Of America stating that they were forgiving my second mortgage debt. I ' am currently in the middle of a refinance transaction and am trying to get the forgiven lien from my property title. I have contacted Bank of America several times now trying to additional information for the title company but I have ben told that they might take any where between 30 to 90 days. This effects my current transaction and locked interest rate. If I do not get anything from them soon I might be subjected to new interest rate pricing or not qualify at all. What I would like is for Bank of America to provide me with a letter to satisfy the lien and have it removed from my title. 
Thank you, XXXX XXXX
Product: Student loan

A company calling themselves XXXX that works with a larger company called XXXX XXXX misrepresented the terms of a loan consolidation agreement they were offering. I was only told of an additional fee for their services they would charge but was never informed of an additional loan being taken out under my name nor a new account and password through the FSA. 

They illegally created an FSA account and opened a loan through XXXX without any prior consent from myself. FSA immediately informed me that I should be concerned because it is illegal for someone to create an FSA account under another person 's name. When XXXX first contacted me I immediately expressed my concerns about moving forward and he told me to look his company up and that his company was called The Obama Student Loan Forgiveness Program and that they were associated with XXXX. According to the FSA that is a common name used to scam individuals. 

After hearing this information I contacted the Department of Education as well as XXXX who both confirmed that it was in fact illegal to create an FSA account and loan without my knowledge and direct consent. When I reached out to XXXX they told me it was very common for scam companies to use their name and once again confirmed it was not legal for a company to create an FSA account/loan using my name without direct consent. 
I contacted both the XXXX XXXX XXXX XXXX and XXXX with complaints and requested to have it terminated but was denied.
Product: Checking or savings account

Chase bank made me close two of my bank accounts and two of my three safety deposit boxes I had jointly with my mother in XXXX XXXX. I closed my savings and personal checking, and they let me keep my business account. I closed two of my safety deposit boxes. I had a meeting with XXXX around XX/XX/XXXX, XXXX they said at that time I signed a card and surrendered another box. I might have signed something, but I did not go into the box and empty it. The last person to sign off that card was XXXX. But I was not physically with him emptying the box on that day. Nobody has the right to empty the box without me or my mother present. Video surveillance should show that. The bank wont talk to me about it, or show me any of the sign in cards. 
On Wednesday XXXX XXXX my mother, went in to get something out of her box and they said there is no box. 
I asked XXXX to see all of the signature cards. XXXX said signature cards are thrown away after one year. As I was leaving I went back and told him it had been a little less than a year he changed his answer, and said they were thrown out at beginning of year, every year. He gave me a copy of the sign in card of the box that was closed in XXXX. 
He said the box was drilled, and he signed off that it was empty. no initials on card XXXX. 
XXXX also claims that he couldnt open it because he doesnt have the PIN number. he said that you have to have a pin number to open a box. I was told by the manager that that wasnt true either. She said sometimes you need it if youre going through their computer system instead of signing a card.
Product: Mortgage

1 ) Several weeks ago I called Chase about removing my PMI payments and was informed about a special program whereby an appraisal can be waived if there is a significant positive difference between the current market value of my home and the price I paid ( XXXX estimates today 's value as {$230000.00} and I paid {$160000.00} ). I think this is significant. Accordingly, I requested an application be filed to have my PMI removed. 
2 ) Chase responded a week later with a form letter and an appraisal application. No mention of the above program for which I asked to be considered for. 
3 ) Again, I called Chase and complained there was no mention of the program that I requested I be considered for. This representative was also familiar with that program and said she would resubmit my request and specifically ask that they address this special program ( it had a name but I have forgotten it ), when responding. 
4 ) I called again 10 days later and I was told that that request was never made, that was no record of my call and the representative said " that no such program exists. '' I have gotten conflicting information from Chase Bank.
Product: Debt collection

I ( a natural person ) was issued a false debt that was mailed to me. I have sent a affidavit of truth proof of validation exhibit and have not received a response. The alleged debt is a defamation of character which is in violation of of title 15 USC 1692b ( 1 ). Also within the collection the credit card company is adding interest to the alleged debt which is in violation of title 15 USC 1962f ( 1 ) below I have attached the statement
Product: Debt collection

This is the second time XXXX XXXX has reported that I owe a debt to Exeter Finance. I disputed this last year and it was deleted for lack of verification and now it is back on my credit reports with a new date of opening of XX/XX/2018. I have contacted this company twice by phone at XXXX and once by certified letter sent to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, MN XXXXXXXX. It was finally deleted off all 3 credit reports and now it's showing back up as a new debt again. I have never had an account or owed anything to a company called Exeter Finance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically, CashApp, failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S code 1618B - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) 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 relate. 

I, XXXX XXXX XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXl XXXX XX/XX/XXXXXXXX XXXX  Report Number : XXXX
Product: Debt collection

Upon reviewing my credit report with all three XXXXcredit bureaus I was informed that I have late or missing payments which I do not owe, and have been reported for more than a year as deliquent. Attempts to get written verification proved unsuccessful as the complaintant stated, " they did not have to prove anything to me. '' I am trying to purchase a home and this situation is preventing that from happening due to FALSE information being listed on my credit reports.In other words, this debt is NOT mine! 

Please assist so that I will not have to pay for legal help in this matter.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 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 of 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 would like to report a Fair Credit Reporting violation. 

My Credit Acceptance Corporation balance for XX/XX/XXXX was {$6100.00}. 

The Credit Acceptance Corporation Account deleted from XXXX credit file : XXXX XX/XX/XXXX ; after numerous disputes. 

The Credit Acceptance Corporation account was re inserted into my credit files XX/XX/XXXX, over one ( 1 ) year after the deletion of XXXX XX/XX/XXXX. 

The re insertion included a higher balance than the original balance of {$6100.00}, Credit Acceptance Corporation reported to credit bureaus. 

The re insertion balance increased to a balance of {$6600.00}. 

I received no notice of re insertion of this account from XXXX, XXXX  or Credit Acceptance Corporation for the XX/XX/XXXX XXXX insertion of the " deleted '' Credit Acceptance Corporation, previously disputed late payments/repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX Not only is the account incomplete, its also inaccurate. 

Why are there so many missing fields of information? Did XXXX not supply that information to you? 
XXXX and Experian are both reporting payment history while XXXX XXXX is not. Was I late? When was I late? I don't recall ever being late on my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update the following 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
Product: Student loan

XXXX XXXX XXXX in XXXX, XXXX, was part of a network of schools involved in lawsuits for misleading students about the value of their education and career prospects. The parent company, XXXX XXXX XXXX ( XXXX ), faced government action and settled by forgiving over {$500.00} XXXX in student loans. As part of these issues, all XXXX campuses, including XXXX, were closed by XXXX 

Given the fraudulent practices and the resulting closures, I request that all associated debts be cleared and removed from my credit report, as repayment would be unjust under these circumstances.