23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a XXXX XXXX. I have been part of the Public Service Loan Forgiveness program for many years. When I came out of XXXX  school in 2009 with a XXXX XXXX in XXXX XXXX I had about {$92000.00} in student debt. I have been a XXXX for these last ten years paying as much as I can a month. Over {$500.00} per month for the last several years, my wife is in the same boat. The amount of money we pay each month is close to {$1000.00}, like having another mortgage. This has kept us from purchasing a home, but we were willing to pay because we are so grateful for our education. I pay currently {$540.00} a month, which is less than the interest on the loan. I'd wager that I have paid between 25K and 35K in the last 10 years, but my loan ( originally XXXX ) is now XXXX. All that money paid and my total has only gone up ... XXXX XXXX dollars. The promise of forgiveness has kept me focus on working hard and paying, even though my balance each month goes up after I send them 100 's of dollars. 

To see now that others have completed the program but are being denied forgiveness is totally terrifying. I feel that we were all lied to, and that our future is in jeopardy. The Attorney General seems to be the most focused on this outrage of anyone in the country, and I feel very lucky to be a Massachusetts resident. I need your help, and would like the support of the CFPB to protect my family, and make sure that the promises were made to us over ten years ago are kept. 

We became XXXX to help make our communities better, we ignored the chances to make more money in order to give back, because we believe in public service, just like you who are reading this. The ability to be free from these debts after our 10 year commitment, and the chance to by ourselves a small house somewhere and get a dog should not be outrageous dreams that are unattainable. 

Please let me know what I need to do, and I will do it. And thank you so much for this chance to fight back and not be bullied by these crooks.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE ADDRESSES  PLEASE REMOVE THANK YOU XXXX XXXX XXXX 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

A resolution was agreed upon by both parties which I have in writing. The XXXX XXXX of XXXX XXXX XXXX, wrote an agreement that all interest would stop unless I default. I have not missed a payment, and have proof. Yet, this company has continued to include interest, and I almost owe more than when we settled in court. I am a widow of one year and this XXXX $ a month has been a hardship, and to now find out all my monies went into their pocket. Thank you. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is reporting a debt on my credit file that needs to be removed. I recently took a look at my file and noticed that this debt is reporting on my file. I called and immediatley settled the debt with them. I however, never received any calls or notices about this debt which violates my 30 day right to dispute under the FCRA and the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I should only have one address & phone # on my report and I would like a reporting freeze on my credit from all credit reporting companies, it is within my legal right to have my information frozen and not given out at all, so please be so kind as to honor this request
Product: Credit reporting or other personal consumer reports

This account was marked as charged off on the date XX/XX/2022. Since then, it has consistently been reported as charged off every month. This constitutes an update in the payment history. A charged off account should NOT have an active payment history. This erroneous information inaccurately extends the statute of limitations. Despite my two requests, you have failed to properly investigate this account, resulting in a violation of my rights due to negligence. I demand the deletion of the following account details : Account Name : XXXX XXXX Account Number : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

It's disheartening to note that these companies have failed in their legal obligation to address these disputes, as required by law. 

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

I review a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit. and due to that i cant not get a car to go to work or even rent a good place for me to stay and thats really hurting my ability to help my family and myself. Like right now if it wasn't for my girlfriend i would probably be sleeping outside. and I had reach out multiple times just to get sent around actually just recently send over a dispute. Please help me take these information out of my report as I can't even keep a job cause no transportation. and I do have a Policy report from when I lost my documents the case number is XXXX from XXXX XXXX police department please reach out to them if you need anything and also if you need to Contact me please Contact me via email XXXX XXXXXXXX as I don't have a physical address right now due to all this. I put a picture of my green card and my tax return from 2023 you can us XXXX to verify my identity if needed thank you I would really appreciate it if you can help thank you. 

These are the Informations need to be removed Equifax : XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plus the information reported does not match any of the other agency for both Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Vehicle loan or lease

I am a victim of XXXX  XXXX and have had drastic changes in my income. 
I took advantage of the free XXXX XXXX XXXX pulling and thank goodness I did. I realized the Capital One Auto Finance is have has been reporting me late on my credit file since the pandemic. 
I believe bc I am XXXX XXXX I called and spoke with them and they advised I need to take this up with the three-bureau. Well, I have not had any success in this and so I was told to file a complaint to have the latest removed from all three bureaus XXXX, XXXX, XXXX.
Product: Checking or savings account

I had a NSF check, it was run through Telecheck. The check did clear on the second submission. Tellecheck decided to put a freeze on my checking account. When I called them I was informed there was an outstanding service charge that they had submitted to my bank for payment as soon as it cleared I could continue right checks at Telecheck merchants. I was never informed of this charge, until I called them. 
I tried to write a check at a merchant and it was declined. again I called them, and their response was '' because of the history on your account, checks will be authorized at our discretion ''. My checking account is being held hostage.
Product: Credit reporting or other personal consumer reports

I am not responsible for the XXXX account on my credit report. My husband removed me as an authorized user months ago. Everytime I dispute it with equifax they close the dispute without explanation. It's ridiculous. A simple check with XXXX would prove I am not responsible for the account. I have provided proof from penfed where I was removed as an authorized user months ago and they ignore it. They never read the disputes I file with them. I am considering legal action against Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

Account status incorrect showing delinquent account when it's not Those participating in this fraudulent innacurate reporting. 
XXXX Transunion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Has placed fraudulent, inaccurate information on my credit report. 
after reaching out to the company as well as credit reporters no action was taken. I correct balances have been reported. XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payments for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

On the US Bank, it shows that we have around XXXX in available credit. but when we try to use it it keeps on being denied. When I called i was advised that the payment is still processing. Yet when I a payment is made it states that payments from US Bank checking accounts are processed immediately. Today XX/XX/XXXX my employee tried using the card at a hardware store in XXXX XXXX. It got declined. The purchase was for {$50.00}. 

On XXXX XX/XX/XXXX when I spoke to reps they both advised that the payments have not gone through, yet the XXXX on the app still showed we have XXXX available. Because of this deceveness we ended up using the our debit card and had a purchase of XXXX. Our vendor advised us that the debit payment had not gone through. But now our funds are tied up in a pugatory in which we dont have access to it and our vendor did nit get paid. To add insult to injury, not we are being charged overdraft fees.
Product: Money transfer, virtual currency, or money service

I was purchasing a puppy which was {$900.00}. I sent the money to the person I was making a purchase. within 8 hours I did not receive further communication. I called XXXX and told them I thought I was scammed and fraud happened. Then they come back and say they can not get my money back from Chase Bank which houses the fraud account used to steal hundreds of thousands. It seems like these banks are promoting theft and fraud and they do not do anything about it as a consumer, this is not fair. You think your money in a bank is protected but I can see they are not. Chase Bank is allowing scam artist to house their money. When other backs try to get their stole money from these scam accounts, they reject them. Chase Bank needs to be investigated by the government if this is their practice. It's a fake website to act like people can purchase puppies then they steal people 's monies and send it to their Chase Banking account. It's like Chase is promoting these thieves and I want my money back. XXXX disputed it twice and chase still has not released my {$900.00} from the scam account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : XXXX and XXXX XXXX Date opened : XX/XX/XXXX Balance : XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

XX/XX/2015, I noticed that Ocwen Loan Servicing was not accurately reporting monies paid towards my mortgage loan. I notified Ocwen on several occasions to remedy the inaccurate payment history reporting. I then contacted Ocwen 's Ombudsman. 
By letter dated XX/XX/2015, the Ombudsman representative writes, " Unfortunately, Ocwen is unable to resolve the technical issue which is causing the online history to reflect only partial information. Therefore, in an effort to resolve your concerns and ensure you have the details of your payment history, I have enclosed a detailed accounting of your account. '' With that said, if I lose the Ombudsman 's document and my bank records, Ocwen will hold me responsible for monies already towards my account. 
Your assistance is requested ; I should not be denied accurate reporting of monies paid towards my mortgage account on any and all Ocwen payment history systems.
Product: Credit card or prepaid card

Working with American Express to resolve an error in the payment system. Stating that the XX/XX/XXXX or XX/XX/2018 payments were not made. I have documentation showing the payments we're made on time and more than the amount requested. American Express will not speak with me or return my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am deeply upset about the erroneous items found on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. If everything is not reporting 100 % accurate it must be removed.
Product: Payday loan, title loan, or personal loan

We had a hardship and got the loan for XXXX and wasn't informed of interest rate until after it went through. By the time we make the payments we will have been charged around XXXX the interest rate was above XXXX is what im seeing now
Product: Checking or savings account

On XX/XX/XXXX I file a claim with Wells Fargo regarding an transaction that was deducted from my account for {$340.00} for XXXX XXXX. I cancelled my debit card twice per Wells Fargo after cancelling the first debit card, I received the same transaction for against for the new debit card. I contact Wells Fargo about the transaction on the new card, I was told myself or someone I knew was making the transactions. I explained that was impossible I have the card, how would someone have access to the account when I just received the new card. I 'am XXXX old and do not own or play XXXX  nor was their anyone in my household that have a XXXX Wells Fargo refused to refund the {$340.00} the claim was closed. I contacted Wells Fargo fraud department, I emailed the CEO of Wells Fargo I did not receive an response. I have been with Wells Fargo since since XXXX. I need assistance with retrieving my {$340.00} from Wells Fargo. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. 

Account Name : XXXX XXXX Bank, Account number : XXXX This account has been paid in full but you still have a report saying i owe {$1300.00} which is not true account current balance at {$00.00} contact XXXX XXXX Bank and verify this information. account payment reference number : XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX This account has been paid in full but you still have a report saying i owe {$2700.00} which is not true account current balance at {$00.00} contact bank and get accurate information Account Name : XXXX XXXX XXXX XXXX Account number : XXXX This account has been paid in full but you still have a report saying i owe {$100.00} which is not true account current balance at {$00.00} contact bank and get accurate information
Product: Vehicle loan or lease

On or about Saturday, XXXX XXXX XXXX I went to the XXXX Dealership located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, to purchase a new vehicle. I was interested in getting the XXXX XXXX, XXXX XXXX XXXXXXXX, but I was informed by XXXX that the passenger door window was damaged and needed to be replaced. I placed a {$500.00} deposit to hold the vehicle until the repair was completed, at which point I would purchase the vehicle. On Tuesday, XX/XX/scrub>XXXX XXXX XXXX I traded in my XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and received {$7000.00} towards my purchase of the said XXXX. I used the trade-in value, along with my {$500.00} deposit, as a down payment towards the said XXXX on XX/XX/scrub>XXXX XXXX XXXX 

On or about Sunday, XX/XX/scrub>XXXX XXXX XXXX I was coming back from work around XXXX XXXX I parked the said XXXX on XXXX XXXX that day. It was raining. The next day, Monday, XX/XX/scrub>XXXX XXXX XXXX  I walked to the said XXXX vehicle around XXXX XXXX XXXX XXXX to the gym when I noticed that the speakers were not working. The area around the passenger was flooded where the passenger door window was fixed by the XXXX dealership, with water running to the back seat behind the passenger. The engine was not wet. Only the passenger side was flooded with water, and the trunk was slightly damp. That day, the vehicle was towed to the XXXX XXXX XXXX to determine the source of the water intrusion. I was then told to wait 2 days for the report as XXXX XXXX XXXX informed me that they were gon na provide a report of the water intrusion. However, I never received the report. On Wednesday, XX/XX/scrub>XXXX XXXX XXXX I went to where I purchased the vehicle at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, to break the contract. XXXX XXXX, XXXX XXXX, stated that the contract can not be broken. However, after showing the XXXX XXXX, XXXX XXXX, the videos and photos, he went to the his office to later inform me that the car was a total loss. He advised to file a claim with my insurance. I filed the claim on Wednesday, XXXX XXXX XXXXXX/XX/year>. After speaking with my claims resolution XXXX, I was informed that XXXX reported the vehicle had been submerged in water. This is not the case. I asked my insurance company, XXXX, for evidence of the water intrusion that XXXX provided, but XXXX only provided more photos of the vehicle with all the windows fogged up. However, there was no report. I was unable to get a second opinion to test the vehicle myself, as I trusted my insurance company to find the source. 

I have more photos and email exchanges but I can not upload due to the files being too large.