23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX, I had communications with my loan servicer ( XXXX ) about not wanting to be placed into in-school deferment status of my loans as I intended to continue to make income-based repayments. Despite these communications, I had multiple periods of in-school deferment status placed on my account, which made my payments ineligible to be counted for the Public Service Loan Forgiveness . 

Under the instruction of FedLoan Servicing, I submitted a retroactive waiver to remove my in-school deferments from XX/XX/XXXX onward. Despite calling XXXX and receiving confirmation of waiver receipt and assurance it would be applied to my account, it was not. I submitted a second waiver in XX/XX/XXXX, which was marked as approved XX/XX/XXXX by XXXX. However, I continue to have two periods of in-school deferment status on my account per both the FedLoan Servicing website and the Federal Student Aid government website, and the payments made during those periods have those been made ineligible for the PSLF service. 

Additionally, a prior period of in-school deferment is now showing as a status of administrative forbearance. During that period, I qualified and made payments of {$0.00} per my income-based repayment plan which should also count towards PSLF but are still marked as ineligible due to the erroneous forbearance status. 

If these incorrect statuses were updated appropriately as they should have been over XXXX  years ago, I would now qualify for public service loan forgiveness as I would have made XXXX qualifying payments. I have faxed and uploaded to the XXXX portal letters describing the above errors over the past several years and have called in XX/XX/XXXX and again in XX/XX/XXXX to see what additional information is needed from me to correct this error. Both XXXX customer service representatives have provided incorrect information : either that they could not view this information in my account, and that they could not remove the in-school deferment status despite the approved removal waiver. They also could not tell me why I had a period of administrative forbearance and offered no rectification even if provided with evidence of loan payments during that period.
Product: Debt collection

They never responded to my previous dispute of debt, but now are mailing letters which clearly show the original creditor and current creditor ( i.e. a debt being collected ) without having to open the mail. I was severely embarrassed about this and called. After XXXX calls totaling over 1 hour of time, I was told to do what I had to do as they were n't willing to stop their illegal tactics,
Product: Credit reporting or other personal consumer reports

I notice a charge off from XXXX XXXX XXXX reporting on my credit reports. A charge of is considered a certificate of indebtedness. According to the Internal Revenue Services, if debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, i must report the canceled debt on my tax return for the year in which the cancellation occurred, which is considered income. Income can not be reported on my credit report so the charge off must be removed. 

My credit utilization is reported on my credit report. It illegal to report transaction history according to the Fair Credit Reporting Act. As a consumer, I value the accuracy and fairness of the information in my credit report. Could you please provide insights into the specific legal provisions, especially under the Fair Credit Reporting Act ( FCRA ), that govern the reporting of transaction history? Additionally, I would appreciate any clarification on how the inclusion of transaction details aligns with privacy regulations.
Product: Credit reporting or other personal consumer reports

My information was hacked on the web due to the leak Trans Union things on my account that has not been removed. Other accounts are showing up that are not mine. My bank account has been hacked. I need all these things removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some hard inquiries on my   XXXX   and   XXXX   reports that should not be there. I am in the process of purchasing a home and these should be removed. I placed a fraud alert on my credit file that indicates if anyone who runs my credit should call me and that was not done and this violates my right as a consumer. The following hard inquiries are showing on my   XXXX   report! Regional management  XXXX  and  XXXX ,  XXXX   XXXX   XXXX ,   XXXX   XXXX    XXXX ,   XXXX    XXXX   XXXX ,   XXXX     XXXX   XXXX . The following hard inquiries are showing on my  XXXX  report and show be removed.  XXXX   XXXX   XXXX ,   XXXX   XXXX    XXXX . I have already contacted the credit bureaus twice and they were no he lp. Pleae help me get these  removed. Thank you!
Product: Debt collection

I am a consumer as identified in FDCPA XXXX XXXX XXXX a ( XXXX ) and I have a right to privacy pursuant to XXXX XXXX ( a ) ( XXXX ). 

XXXX XXXX XXXX XXXX is in violation according to the XXXX XXXX for comprising my information to InDebted. I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. 
Also Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the XXXX XXXX. The FTC is one of the federal agencies that enforces provisions of XXXX XXXX XXXX and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the XXXX XXXX, which requires all financial institutions to maintain XXXX to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''
Product: Credit card

The complain is for an non-authorized credit card payment on XXXX of {$1700.00}. 

At the end of XX/XX/XXXX I called XXXX to see how much money I needed to pay, in order to pay off an old purchase I had with them under special financing ( 1 year without interest ). On my conversation with their agent I was told I had to pay {$550.00} in order to avoid paying interest for my purchase. The agent himself suggested to make this payment online ( web system ) as it is usually faster ; then he asked me based on their standard procedure if I wanted to make that payment of {$550.00} over the phone that I clearly rejected. 

I proceeded to an online payment of {$550.00} ; few days later I noticed that XXXX not only charged me the {$550.00} as expected, but on top of that they had another transaction of {$1700.00} ( not authorized ). The irrational of the story is that I paid in total more than my overall balance, leaving with me with an extra {$500.00} credit! 

I called them and reported the non-authorized transaction ; they were able to see that I did the {$550.00} online and said that the {$1700.00} were authorized over the phone. They also saw the irrationality on the payments ( paying more than I owe ), but they said they need 5-10 business days to return my funds. 

Then I called my bank ( XXXX ) trying to straight this out, as I did n't had these money and i was left with a negative balance ; my bank said that they payment will be rejected as I did n't have enough money on the account ; this happend and I was able to see the transaction cancelled. Few days later though XXXX charged me again the {$1700.00} which are now taken off my bank account. In continue to my conversations with XXXX, they said they will need again 5-10 business days to resolve this and there was nothing they could do to speed up the process, even if they realize that I did not authorized the payment! When I asked them to listen to my conversation over the phone that is supposed to have the authorization, they claimed that I need a court order for that. 

The outcome of the whole story is that they can charge people uncontrolled, and even if they admit to be wrong, they will still refund in irrational time-frames ( half a month ). I think this is unethical and suspicious ; I strongly believe that it is illegal to take someone 's money without an authorization and on top of that use those money up to 15 days without offering at least a compensation for their own mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 3 months, I have been disputing the inquiries listed below for unauthorizations of pulling my credit reports with the credit bureaus and the businesses that have inquired. I have never given permission, written or oral, to any other these companies. I have enclosed documents that I have received in the mail stating that each individual company was unable to locate any information indicating that particular company made an inquiry on my credit file. 
XXXX XXXX XXXX / XXXX XXXX XXXX, XXXX XXXX / XXXX, TX XXXX / XXXX / Inquiry Date XX/XX/17 XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX, CA XXXX / XXXX / Inquiry Date XX/XX/17 XXXX XXXX / XXXX XXXX XXXX / XXXX, PA XXXX / XXXX / Inquiry Date XX/XX/17 The inquiries listed below have also been in dispute for unauthorizations of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus along with the companies that inquired. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. I have enclosed documents of mail receipts and letters I have sent to these businesses. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, Inquiry Date XX/XX/2017 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, Inquiry Date XX/XX/2017 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX, XXXX, Inquiry Date XX/XX/2017 After my own investigation, this business is no longer operating. It shut down months ago. Address listed on credit report is invalid. I received returned mail on the address listed because it was unclaimed. Mail was unable to forward because there was no other address listed to send the letter. Copy of returned mail is enclosed. 

The listed unverified inquiries have been proven invalid. None of the businesses can provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. 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.

Please help me delete these inquiries from my credit reports immediately. I am tired of fighting with the bureaus and businesses about these inaccurate inquiries on my credit reports.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX Balance : {$6400.00} ; XXXX  XXXX Balance : {$4300.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX  XXXX Balance : {$160.00}.
Product: Credit reporting or other personal consumer reports

To XXXX XXXX XXXX, This letter serves as a formal dispute and demand for debt validation regarding the account you have reported on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to provide proper validation of any debt you are attempting to collect or report. 

DEMAND FOR PROOF OF DEBT OWNERSHIP You are a third-party debt collector with no permissible purpose to collect or report this debt unless you can prove legal ownership or an assignment contract from the original creditor ( T-Mobile ). To ensure compliance with federal law, I demand the following : 1. Proof of Debt Ownership Provide a legally binding debt assignment contract proving that you own or have the legal right to collect on this debt.

2. Original Signed Contract Provide a copy of the original contract bearing my signature, demonstrating that I agreed to this alleged debt and its transfer.

3. Itemized Statement of Charges Provide a full breakdown of how the alleged balance was calculated, including interest, fees, and payment history from the original creditor. 
4. Proof of Securitization Status If this debt has been securitized or sold, you are attempting to collect on an unlawfully transferred debt that you do not legally own.

5. Permissible Purpose to Report Provide documentation proving that you have a legal right to report this debt under 15 U.S.C. 1681b.

NOTICE OF FCRA & FDCPA VIOLATIONS If you fail to provide proper debt validation, you are in direct violation of : 15 U.S.C. 1692g ( b ) Failure to provide verification or cease collection activity. 15 U.S.C. 1681b ( f ) Unlawful reporting of information without a valid permissible purpose.

15 U.S.C. 1692e ( 8 ) Illegal reporting of false credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX accounts has violated my rights. 1 5 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 bought a recreational vehicle and financed it through XXXX XXXX XXXX over nine years ago. I lost my job and missed payments. they would not work with me once I started working again. However, they keep re aging this account and adding to the balance. They refuse to remove it from my credit and it has been almost ten years
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to access for Equifax credit report through XXXX since the pandemic has began. Every time I attempt to get my report I am told that I would need to mail in a form along with required documents or call into Equifax directly in order to get my report. Once the report is mailed to me, I find the questions I am being asked have nothing to do with my report and all of the personal information asked of me is correct on my report. I have also called into Equifax directly and advised of the situation as late as this week ; I spoke with someone at Equifax who verified all of the information as correct and assured me that I would not have any problems going forward. Today, I go to access my Equifax report through XXXX and I am still having the same issue. When I try to access my reports from XXXX and XXXX using the same information there is no problem.
Product: Debt collection

Credit acceptance is trying to charge me over {$8000.00} to a car that I didnt purchase. On my credit report it says Im the co buyer. I did co buy anything. The buyer name is XXXX XXXX. I dont know who that is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some unauthorized inquiries on my report that I don't recognize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I write to you with deep concern and dissatisfaction regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This letter serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights.

Account Name : XXXX Account # : XXXX I am writing to dispute the accuracy of information contained in my consumer credit report. Upon recent review, I have identified discrepancies that violate the Fair Credit Reporting Act ( FCRA ), particularly Section XXXX, which requires consumer reporting agencies to ensure maximum possible accuracy of the information in a consumer 's file. Specifically, XXXX is reporting XXXX late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, while Equifax is reporting XXXX late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These inconsistencies suggest inaccuracies in the reporting of my payment history. I request an immediate investigation into these discrepancies and demand that any incorrect information be corrected PAID ON TIME in accordance with my rights under the FCRA. Please provide the results of your investigation, along with an updated copy of my credit report, upon completion. 
Furthermore, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( XXXX ) with my wet signature. 
Moreover, I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by [ XXXX ]. Therefore, in accordance with Section XXXX ( a ) ( XXXX ) of the FCRA, I demand a thorough investigation into these disputed late payments, along with written confirmation of the investigation 's completion and details of any actions taken to rectify this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a dispute letter to Equifax. In this letter, I disputed all inaccurate personal information. In my dispute letter I verified my identity by attaching a copy of my drivers license. In my dispute letter I included my full social security number as well. Equifax refuses to update my personal information because they claim they can not verify my identity. I am submitting this complaint because Equifax is not cooperating with the dispute process. 

Equifax refuses to correct my personal information and they did not even acknowledge the account that I disputed which is a violation of my consumer rights. 

I just want the errors to be removed from my credit report because it's the law! 

Attached to this complaint I will include a copy of my drivers licesne, social security card and the dispute letter that I sent to Equifax on XX/XX/2024.
Product: Credit card

I have been with Bank of America for a very long time I had my savings and checking Ive never overdraft or caused any problems. I had a credit card that started off with a {$300.00} balance was increased to {$800.00} always paid on time never late and the each and every time I go to apply for an increase in my credit card they always denied me, and Im not understanding I get a mortgage I get a car loan I get other credit cards without any problems but Bank of America for some reason keeps denying me I make good money. My credit is fine. My bills are paid so Im not understanding why they keep denying me. I can't help but feel that they're not doing their due diligence when verify my information or they are discriminating against me somehow.
Product: Money transfer, virtual currency, or money service

So my name is XXXX XXXX and I made my PayPal account XX/XX/XXXX or XX/XX/XXXX of XXXX and I got a donation from an XXXX XXXX XXXX XXXX of XXXX dollars they sent it to my PayPal and I ordered the PayPal card so the money can be directed straight into my PayPal card once I activated it. On XX/XX/XXXX I called PayPal to activate my account to which they said that my account was frozen and I was upset because I got no email or no phone call confirming this was gon na take place and they never gave me a reason as to why my account was frozen in the 1st place. They told me to wait 180 days which is illegal because its not a bank so they cant hold anybody money and I need help
Product: Checking or savings account

Wells Fargo purposely charges your account in the order so they can charge you more overdraft fees!
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/2017, XXXX XXXX negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX XXXX XXXX to help. To this date, XXXX XXXX XXXX  have not been successful either. Please resolve.