23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am eligible for the Public Service Loan Forgiveness program but Fedloan Servicing customer representatives erroneously told me to consolidate my student loans in either XXXX or XXXX, thereby wiping out all the years of payments I have made before this consolidation occurred. According to the law Congress passed in XXXX, if a XXXX  has worked in a low income schools for 10 years and has made 120 loan payments, they are eligible for student loan forgiveness. Fedloan Servicing has an exclusive contract with the federal Department of Education and to date has rejected 99 % of PSLF applicants including myself. They sent me a notification yesterday that so far, I have only made 73 qualifying payments and have 47 more to go, making me eligible for loan forgiveness in XXXX. I have been paying this loan off for almost 20 years since the year XXXX. I have been a XXXX XXXX XXXX XXXX  serving XXXX XXXX XXXX XXXX for 17 year. I know I qualify for this program. Fedloan Servicing has given countless people like myself wrong information and routinely rejects applicants from loan forgiveness when they in fact qualify. The first round of applicants were eligible for loan forgiveness in XXXX. Less than 1 % of people who applied have had their student loan debt forgiven.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must block these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1200.00} XXXX FIN XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$1600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX  XXXX  Original Creditor : XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

recently I looked at a copy of my credit report and noticed several inaccuracies on my account this account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy here is the item I am asking you to verify accurate XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

To Whom it may Concern, I am writing to bring to your attention an urgent matter and to express my deep concern about the recent freezing of my bank account I opened last XXXX with Chase Bank. On XX/XX/XXXX my bank account was frozen for Unknown reason, on XX/XX/XXXX I went to chase bank located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX and spoke to the Manager and called the XXXX Number unfortunately, they couldnt explain to me why the account was frozen. I was told to wait until I received an explanation letter from the Bank. Now its been almost XXXX days and I didnt receive any explanation letter. This action has caused significant financial hardship for my business and for me and my family, and I would like your intervention to ensure that my rights are protected. 
I have always been a law-abiding citizen and have never been involved in any illegal or criminal activities. However, my bank account was frozen without any warning or explanation, leaving me unable to access my funds or pay my bills. This has caused significant stress and anxiety, and I am deeply worried about the impact this will have on my financial stability and well-being. 
I understand that there may have been a legal reason for my account to be frozen, but I believe that this action was taken without due process and without adequate communication. I have not been given a clear explanation of why my account was frozen, nor have I been given an opportunity to contest the decision. 
It is unacceptable for innocent individuals to be subject to unjustified freezes of their bank accounts without any explanation or justification. 
Enclosed a statement from chase showing my bank information and the balance which I cant have access to it. 
I would appreciate your assistance in resolving this matter as soon as possible. Thank you for your attention to this important issue, and I look forward to hearing from you soon. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Me and my family tried renting a house we saw a listing on an app that said it was secure we set up a time to go see the house the same number texted us to go in and we saw the house in person so we didnt think anything of it, the person was impersonating a landlord, they texted us and sent us a application for the home we did it and they said we got approved instantly, me and my family were desperate to look for another home due to money issues we accepted and they then sent us a lease agreement online and since weve never rented a house before we thought it was normal we talked on the phone and everything seemed good, we didnt think anything of It so we signed and were told we were going to get the keys the next they, we were blocked the next day and never got the house we gave out personal information as well. We contacted my bank Wells Fargo and XXXX since we did the transaction there they said we couldnt get the money back and said to only send money to trusted people but the person completely fooled us and gained our trust it was an honest mistake and they need to help us I dont know what else to do this happened about 11 days ago.
Product: Credit reporting or other personal consumer reports

On XX/XX/, I sent my FTC report and my license to XXXX, Equifax, and XXXX. I will be filing a civil suit for reporting fraudulent accounts on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted my dispute for XXXX/XXXX and bank statement showing that I paid the collection agency ( XXXX XXXX  ) for this creditor ; therefore this balance should be XXXX. However on XX/XX/XXXX Experian continued to report this debt on my credit as charged off. This shows that they did not do a proper investigation and continuing to not follow FCRA guidelines after me providing proof. Attached is proof of payment and dispute letter
Product: Credit card or prepaid card

On XX/XX/2020 Bank of America closed my oldest credit card account ( of 13 years ). This has caused my credit score to take a hit specially because the credit limit was very high and the card carried a {$0.00} balance. 

On my credit report, it says that the credit card was closed at the customers request. I never requested one of my oldest cards to be closed. In addition, I contacted BofA by phone on Saturday, XX/XX/XXXX and then a manager reached out to me on Monday, XX/XX/XXXX. Both times, the customer service rep COULD NOT re-instate the card that they closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name XXXX XXXX XXXX XXXX XXXX  name XXXX XXXX  The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this NEEED EVRTHING REMOED IMMEDIATELY WITIN 14 TO 30 DAYS THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX am a federally protected consumer and I am making this complaint against Great Lakes for committing identity theft. I have never given Great Lakes any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9 the assignment of a default note is illegal both the assignee and the assigned are both liable for violation under 15 USC 1692 a 12. Great Lakes has committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 before which the FTC defines as debt parking. on XX/XX/XXXX and affidavit was sent to great informing them of the fraud the was committed in the allege contract. Great Lakes has sent XXXX contracts for the same alleged debt with XXXX different balances and signed XXXX  years apart. XXXX responded on XX/XX/XXXX and stated the would remove the account and reduce the balance to {$0.00}. XXXX Months later Great Lakes and the consumer reporting agencies has fail to ensure maximum possible accuracy to my report while investigating bring harm to me and my financial reputation by failure to update the XXXXnformation.
Product: Credit reporting or other personal consumer reports

FTC REPORT # : XXXX I demand to know who verified these accounts, and the method of verification. Please also be advised that a verbal confirmation from XXXX XXXX does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( 15 ) business days, I will take further steps to preserve my rights.

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. Again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ).

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my credit report that I have no knowledge of. I contacted XXXX XXXX to verify the account information, but they said they have nothing on file. I gave them the account number reflected on the credit report starting with the numbers XXXX and ending in XXXX which they said they have no record of the account. Then I asked them to run my social security number and they told me that they did not have any accounts attached to my social security number. So they are unable to verify this account but yet they are reporting to the credit bureau. I believe this is a fraudulent account and I would like help getting this resolved. 

sincerely
Product: Debt collection

Modern Adjustment Bureau. The bill in question was inflated by the doctor before collection company got it. Original amount of medical debt was highly inflated and no backup of was provided from collections company. Original letter states my credit will be ruined because of this debt. I offered to pay what I thought was the correct amount in XXXX 2020, they refused. I made a second attempt in writing in XXXX 2020, and specifically asked for any backup where the interest rate they were charging, was ever agreed to by me. They have been charging me in excess of 100 % interest rate on this bill. My calls to the company were never answered and never returned, so I have not been able to have a conversation with anyone about the situation. 
Modern Adjustment Bureau originally billed {$300.00} plus {$33.00} interest. Then they inflated the bill to {$410.00} in XXXX of 2020, XXXX last statement I received XXXX, and said they would settle for {$400.00}. The amount on my credit report is well over that and it goes up every month. 
I should not have to pay a mark up of 100 % on a medical bill that was disputed. This is ridiculous. Im not denying I owe a debt. Just that the amount they want is not right. 
My credit HAS been affected. I am trying to get it clear and this is creating a negative impression for me. Please help me, I am at my wits end with this company.
Product: Credit card or prepaid card

: ADVERSE ACTION DATED XX/XX/2021 Recently, I XXXX XXXX XXXX was denied an extension of credit by Bank Of America. On around XX/XX/2021, I applied for Small Business Credit Card. XXXX As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S. Code 1691 ( C ) and you assume civil liability pursuant 15 U.S. Code 1692 ( K ). Bank Of America has violated my federally protected consumer rights : 15 U.S. Code 1642 15 U. S. Code 1681M 12 CFR 1002 Since the letter you sent me dated XX/XX/2021 is both a proof and evidence that I have been discriminated against, you are also criminally liable. Bank Of America should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Product: Debt collection

I have sent several letters to the company to verify debt and they will not send anything to me to verify today is the XXXX day since I sent the first letter. I have always had two insurances, that is why I am asking verification.
Product: Credit card or prepaid card

On XX/XX/2018, I received a phone call from Iberiabank Corp. XXXX XXXX . Their agent suspicioned a credit card application was a fraud and called me before issuing anything. 

I have no written documents from them. 

The bank had a great deal of information about me including : correct name and address, Social Security Number, Credit Report and Date of Birth. Possibly more but that was enough to convince me I have a problem.
Product: Credit reporting or other personal consumer reports

XXXX, EXPERIAN, AND EXPERIAN KEEPS REPORTING INACCURATE INFORMATION. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Checking or savings account

Made a payment using my debit card had enough money in the account. The charge was placed on hold once the charge went through other things came out and I was assessed a overdraft fee plus insufficient fund fee, but I had the money in the account which caused my account to go XXXX  of dollars Overdrawn and Im playing catch-up as we speak. call bank they stated they were only able to refund XXXX overdraft fees out of probably XXXX or more..
Product: Credit card

Denied due to too many inquiries I had XXXX inquired which states on my report by XXXX 0 inquiries in last XXXX I have never applied anywhere in 10 yeaes documentedcwuth all 3 credit bureaus Credit denied due to amount of credit available My available is 109 % Denied due to open bank accounts I only have 1 XXXX mortgage and a debit card its XXXX that is all I have Denied due to owed credit I own a XXXX balance store card XXXX  and XXXX XXXX balances I gave XXXX credit cards All statements for denials are untrue and are priven through all 3 credit reporting agencies
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
I told/informed Experian, XXXX, and XXXX to XXXX and or remove these accounts : FRAUDULENT EXPERIAN, XXXX, XXXX ACCOUNTS XXXX XXXX. XXXX XXXX XXXX {$2000.00} * Account # : XXXX * Date Opened : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX {$190.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$710.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$710.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$940.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. ONLINE INFORMATION SER > {$2200.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX FRAUDULENT HARD INQUIRIES : XXXX. XXXX XXXX NA * Date Opened : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX * Date Opened : XXXX, XXXX, XXXX In addition to, the Credit Agencies XXXX everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the XXXX business days allowed with the XXXX & in accordance to Consumer Law ( FCRA ) XXXX U.S.C XXXX & XXXX U.S.C XXXX ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to XXXX XXXX XXXX ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : XXXX U.S.C. XXXX ( A ) ( XXXX ) [ 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 ], XXXX U.S.C XXXX, XXXX U.S.C XXXX, XXXX U.S.C XXXX, XXXX U.S.C XXXX, & XXXX U.S.C XXXX, XXXX U.S.C XXXX, XXXX U.S.C XXXX, XXXX U.S.C XXXX.
Product: Checking or savings account

I am writing to express my dissatisfaction with Wells Fargo Bank regarding my denied dispute claim for unauthorized transactions. 

On XX/XX/year>, I logged into my account through online banking and noticed XXXX transactions that I did not authorize : XXXX for {$1500.00} and another for {$2400.00}. 

I immediately called the bank and filed a claim to dispute these unauthorized transactions. The representative advised me to close my account and put a stop on my debit card, which I agreed to do, and subsequently opened a new account. 

During my conversation with the representative, I observed a transfer of {$4000.00} from my savings account to my checking account. It seems that someone, who spoke XXXX, called in and transferred funds between my accounts. At that time, my checking account had insufficient funds, and the XXXX unauthorized transactions occurred immediately after that transfer. 

I am very disappointed with Wells Fargo because someone was able to transfer funds between my accounts despite being told by the representative that there would be a series of questions to verify my identity. I do not speak XXXX and have never called to transfer funds between my accounts ; I always use the Wells Fargo app for online banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have filed several on line disputes with Transunion, XXXX and XXXX about a collector called XXXX XXXX XXXX. The account is not my account, and have requested that this information be removed on XX/XX/2020, XX/XX/2020 & XX/XX/2020 and on all times the agencies listed above did not respond correctly.
Product: Credit reporting or other personal consumer reports

the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.