23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On or about XX/XX/22 to XX/XX/22, XXXX charges were made to my Barclays account by a dentist : {$1000.00} for the future cost of a crown, {$99.00} for some " club '' that they have which supposedly lowers the price of your services, and another {$99.00} which I presume was for the visit, which pretty much entailed having XXXX of their nurses glue the broken crown to the other half that remained in the mouth, and which promptly broke off again that evening at home. They glued the broken crown because their facilities did not have a lab that could do a temporary crown. Once the crown broke again, I knew I was not going back, called them the next day, canceled the crown, and demanded all my money back. I then disputed the charges on my bank card. Eventually, the dentist sent me a check for {$1000.00}, but nothing for the other {$190.00}. Barclays has embarked on a course of action that is at least inappropriate, if not illegal. They have added and removed these amounts at whim, without consulting with me, and the latest thing they did was send me a package ( more like a book ) of papers about the issue, I'm assuming. My eyesight is impaired and I can not be expected to read it. On information and belief, Barclays was aware of my eye condition before but, if not, I made sure to remind or notify them again tonight, when I tried to reach Barclays again. Unfortunately, or conveniently, the right department was closed tonight. Instead of a book, I need them to make sure that the {$1000.00} ( if paid by me on the account ) was reversed, and that I get my XXXX {$99.00} charges returned as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical Collection ; XXXX XXXX XXXX in the amount of {$490.00}. 
Per new law, medical collections under {$500.00} should not be reporting. This collection is in violation of that law.
Product: Student loan

I am writing to formally request the discharge of my student loan debt due to a significant breach of my personal and financial information, which occurred without my authorization. Under the Privacy Act of 1974, The Higher Education Act, and the Family Educational Rights and Privacy Act ( FERPA ), my student records are legally protected, and your institution has a duty to safeguard this information.

This breach constitutes a clear and serious violation of these federal protections, exposing me to financial harm, identity theft, and other consequences beyond my control. As the responsible party, it is your legal and ethical obligation to rectify the situation and mitigate the damages caused by this failure to protect my private data.

Given the severity of this breach and the direct impact on my financial security, I am formally requesting that my student loan debt be discharged in full as an appropriate remedy for this violation. Additionally, I request written confirmation of the steps being taken to address this breach and ensure compliance with federal laws in protecting borrower information. 
Please consider this matter with the utmost urgency. I expect a prompt written response detailing the actions you will take regarding my request for loan forgiveness.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inquiries and ask for their removal from my credit report. Item No. Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.
Product: Credit reporting or other personal consumer reports

I am addressing my ongoing concerns regarding the inclusion of an inquiry in my credit file, resulting from the identity theft incident I reported. This is my fourth complaint and follows up on my prior communication dated XX/XX/XXXX. I request the expungement of the inquiry record associated with the alleged identity theft from my credit file. Enclosed is the new FTC report # XXXX for your reference. Please proceed with the removal of the outstanding inquiry from my credit file : EXPERIAN : XXXX XXXX XXXX XXXX
Product: Credit card

On the date as of, XX/XX/2023, I completed an application for a consumer credit line and was denied access to said credit line. Immediately after the delivery of this information I had received, I called the American Express Customer Service Line for Credit Services, phone number provided here : XXXX ( XXXX ) XXXX, that was provided for the dispute of such actions and related issues and was directed to the supervisor of their department. After expressing to him my rights as a consumer, expressing my knowledge of my application being turned into a promissory note that HAS value no matter what, and has been deemed lawful money on demand, I was told that I did have a claim and gave me the correspondence postage information, and directed me towards the legal department of American Express. 
I have sent written correspondence as stated in terms and conditions and as stated by a representative of the company. I have yet to hear back any kind of correspondence when they are holding a security that I have provided to them for the opening of my open ended credit account which hasnt been opened yet. the credit line that shouldve been provided to me. Because I have given something of value, a security, and have not received anything in return. Which is bottom line securities fraud, for my open ended consumer account which should have been opened. I am an investor, per their prospectus, I have provided a promissory note, and that is a security which provides all collateral necessary for the opening of the open ended credit account. This company is prolonging their process, for a matter that shouldve already been handled by now.
Product: Debt collection

Ocwen as a servicer for XXXX XXXX XXXX XXXX XXXX is illegally and fraudulently foreclosing on my property using a XXXX assignment as nominee and assignee for XXXX dated 5 months after XXXX failed and the XXXX member relationship as well as nominee status ended. I have all documents from public records that proof my claims and a very detailed report written by me with attached documents. I am also aware and have it from the federal courts where OCWEN and XXXX were doing the exact same thing using the same ammo to another home owner. The federal court proceeded to rule the documents presented by Ocwen and XXXX void ruling in favor of the home owner See XXXX XXXX  XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX - Dist. Court, XXXX  Texas 2015 - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Is Reporting 9 Accounts On My Consumer Report With Multiple Inaccuracies. As Well As 15 USC 1681 Section 602 A. States I Have The Right To Privacy. And 15 USC 1681 Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions. I Have Not Given Them Written Instruction Nor Was I Notified Of These Accounts Before They Reported Them On My Consumer Report.
Product: Credit reporting or other personal consumer reports

My account with ( 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 my 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 in ( MONTHS REPORTING LATE ) 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 ) 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: Money transfer, virtual currency, or money service

My cash app is telling me my account is still restricted but from the company 's reply to my last complaint there sayings it's been reinstated
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XX/XX/2024 To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Product: Checking or savings account

USAA currently has a hold my XXXX  compensation check I deposited in to my account XXXX XX/XX/year>. They will not give specifics on what was returned or made my account negative. USAA has not been putting holds check prior to this incident, nor have they providing anything in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, equifax, XX/XX/XXXXrefuse to correct info on my report even though it is paid in full. I have email confirmation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have the credit reporting agencies update/remove personal information that is incorrect. 
On XX/XX/XXXX, I sent a letter to Transunion requesting they update and remove incorrect personal information. It has been more than 30 days since I submitted this request and after reviewing my credit reports on several occasions the incorrect personal information still remains on my credit reports i.e. also know names as, old employer. 
I also called Transunion on XX/XX/XXXX to once again have this personal information removed and the agent assured me that it would reflect on my report with 24-48hrs. It has been almost a month and the incorrect personal information still remains.

This is creating issues with applying for lines of credit as lenders are using invalid addresses and personal information hence suffering from personal in the form of being unable to secure small business loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 




1. USDOE/XXXX Account Number : XXXX 2.XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed items is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.
Product: Payday loan, title loan, personal loan, or advance loan

My wife and I took out an installment loan from Tower Loan on or around XX/XX/2023. At the time of the loan closing, we were not informed of the available methods of making payments, nor were we given the monthly due dates. About a month later, we started receiving numerous phone calls from Tower Loan asking for their first payment. When we told them that we had never received a statement, the response given to us was that they don't send them out. Instead, they just call their borrowers over and over until they make their payments. Tower Loan does not have an online portal that accepts payments, and can only receive payments at their office. We then set up an automatic monthly payment within our own bank that would mail a check to Tower Loan 's location near us on a monthly basis. About a month after this, we started receiving numerous phone calls from Tower Loan, claiming that we had not paid them. I checked my banking records and confirmed that the payment had indeed been sent out. They claimed they never received it and that I needed to stop the check on my end. I did so, and now Tower Loan is claiming that they attempted to deposit the check ( the one that they earlier had said never arrived ) and are trying to charge us a stop payment fee in addition to late fees. XXXX I pointed out that the stop payment was at their request and provided proof that we had sent in the payment, Tower Loan said that they would consider removing the fees. At the present, however, they have not responded. 
The fact that they do not send statements, leaving us without knowledge of the remaining balance, interest that has been charged, and any fees assessed seems to be in violation of 1026.5 ( b ) ( 2 ) and 1026.7 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit reports several fraudulent accounts that are a result of my identity being stolen, and also it appears that my address and other personal information is also incorrect fraudulent and false addresses have been used to open up accounts that I do not recognize and have not authorized. I have sent correspondence regarding this issue I am attaching that correspondence to this complaint .that includes identity theft report and police report detailing what happened and the fraudulent accounts this information should have been removed or blocked when it was first mailed to the credit bureaus I am including it here so that it can be reviewed and the appropriate action can be taken and these accounts be removed and blocked From my report
Product: Money transfer, virtual currency, or money service

I had both a USAA checking and a savings accounts for the past 3 or 4 years. I have been attacked by attempted cyber security breaches for the past year. On XX/XX/XXXX  I was called by a person who claimed to be a USAA agent seeking to help me with the cyber security attacks, they acted like any other USAA agent, and had all of my information just like any other USAA agent I had ever interacted with in the past. They were actually a hacker who either drained both of my accounts, or assisted in draining both my savings account and checking account of the entirety of a combined roughly XXXX US dollars. A few days later I was called by an actual USAA agent informing me of ; all of my money being stolen, USAA refusing to do any further business with me including the closure of both of my accounts, and that USAA 's anti-fraud department would start a fraud-claim investigation which would be finished in an estimated 7 days. I was told that once the anti-fraud-claim investigation was completed that all of money would be refunded in a check that would be sent to me via a check in the mail. Once those 7 days where up I called USAA again, this time they gave me a different story, saying that the fraud claim would now take 60 days to complete instead of 7, but that I would still get my money reimbursed once it was over. During my final call to USAA on XX/XX/, I was informed that my anti-fraud claim had already been resolved on XX/XX/. I was never called or otherwise informed of this until I called USAA on XX/XX/. The anti-fraud department decided that no fraud could be detected and that I shouldn't get ANY of my money back. During the entirety of this event my XXXX  XXXX XXXX  and I was put out of the job as a result, leaving me destitute and unable to do much of anything. The savings account was drained through ATMs in Texas, I live several states away and could not walk there let alone walk with the XXXX XXXX. The checking account was drained with multiple online purchases, none of which I received. My mother, aunt, and brother can attest to my condition at the time. I did not engage in any fraudulent activity, and I deserve my money back.
Product: Student loan

I pay {$400.00} a month on a {$60000.00} loan. Of that {$400.00}, {$50.00} goes towards the principal and {$350.00} goes towards interest. I have asked to change the amount applied to the principal, the response being the only way to change is to pay more money a month. Which I ca n't pay, because my student loans are {$800.00} a month and I make {$XXXX} a year, I have a XXXX. I have asked to lower my payments because I ca n't pay them without causing financial hardship ; they have refused, except to offer to continuously extend the life of the loan so they reap more money on interest. My credit has been negatively affected because I could only pay {$100.00} towards my {$400.00} loan payment when just out of XXXX and making $ XXXX hour in XXXX . They would n't accept the {$100.00} and preferred to send me to the creditors. 

How they distribute paying off my loans is also morally and economically disputable. The loans that accrue the less money are paid off first. Most of the money from the monthly payments is paid to the smaller loans with the lowest interest rate ( {$2000.00} with 4.25 % ) and {$50.00} is attributed to the the {$13000.00} loans at a 3.25 % interest rate. This has happened to XXXX loans ranging from {$10000.00} to {$13000.00}. Loan consolidation is not an option, so my current payments go towards the balance on XXXX independent loans. Due to the fact they would not accept a lesser payment and my credit score was significantly negatively impacted, I do not qualify for another private loan to purchase these private loans and consolidate. Therefore, I am left powerless to rectify a negatively life impacting situation.
Product: Checking or savings account

Unauthorized Withdrawal for the amount {$240.00} for the second time this month. XX/XX/2020 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to convey my DISSATISFACTION with your recent assertions regarding my accounts. I hereby CONTEST THESE CLAIMS DUE TO THE ABSENCE OF SUBSTANTIAL FACTUAL EVIDENCE TO SUBSTANTIATE YOUR ALLEGATIONS. Therefore, I strongly urge you to promptly COMMENCE A COMPREHENSIVE INVESTIGATION INTO THESE MATTERS WITHOUT DELAY. These claims have cast a significant cloud over my financial status and have the potential to inflict substantial harm on my creditworthiness. It is crucial that we expediently and accurately resolve this situation to prevent further adverse consequences. XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please remove these accounts ASAP.
Product: Money transfer, virtual currency, or money service

I want to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was was impossible and that tracking these transactions was possible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

I started making monthly student loan payments XX/XX/XXXX. My loans were consolidated and transferred to Fedloan on XX/XX/XXXX. 
I have been employed full time and have made monthly payments every month since ( XX/XX/XXXX ). My correct payment count towards PSLF should be 77 as of today ( XX/XX/XXXX ). 
According to the Fedloan website I have only made 43 qualifying payments. 

I first contacted Fedloan on XX/XX/XXXX in an attempt to rectify this discrepancy. I have subsequently contacted them on multiple occasions without a response or explanation.
Product: Credit reporting or other personal consumer reports

Sensible Auto Lending Accont had been sold. In which I didnt sign contract with new lender. 
XXXX XXXX XXXX took me to court in which I was awarded judgement. 

I sent court order to credit bureaus and requested deletion of account from reports. Instead my request was not honored and is going against consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}