23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I cosigned a Sallie Mae loan for my son because they would not approve him without XXXX. So according to Sallie Mae XXXX now XXXX ) after a co-signer has paid on a loan for 2 years they can be removed from the loan. I have been paying on that loan ( under a special program so that I can actually afford to make the payments ) for over 2 years and when I contacted them about removing my name, now they say well, we have to make sure the primary will be financially able to make the payments. Well it 's not my problem if they ca n't afford to make the payments, I have done my just do by struggling to make the payments for 2 yrs just to be told I ca n't be removed if the primary can not make the payments. That is very very unfair. I have a family, a daughter in college and it is a real struggle to continue to make these payments so my check wo n't be garnished. I am writing because I am hoping I can get some kind of help having my name removed from this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. I have provided documents that can prove it.

By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, Please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Inquires 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, credit repair services, or other personal consumer reports

In XX/XX/XXXX I noticed that their was an incorrect reporting on my Experian credit report. This negative reporting according to Experian 's online access stated that this account was negatively noted on XX/XX/XXXX and on XX/XX/XXXX, two days later my score dropped by 34 points. Although I was not aware of this reporting until XX/XX/XXXXl I immediately notified the Furnisher of this error and I was informed that this error would be removed within several business days. I contact Experian and informed them of this upcoming correction and was informed to wait until the system updated and it would be corrected. After observing my account daily on XX/XX/XXXX the correction was made and the negative reporting was removed. Although it decreased my score by 34 points immediately after reporting, Experian only raised my score by 2 points once it was removed and corrected. On XX/XX/XXXX I contacted Experian 's Consumer Affairs Department and spoke with a representative by the name of XXXX, who attempted on numerous occasions to justify what was clearly improper scoring record  keeping towards my account as a consumer and basically dismissed addressing the matter. Their had not been any factors which could justify decreasing someone's account by 34 points due to a negative reporting and once corrected only increasing the score by 2 points. What this bureau has done should be illegal and addressed immediately because their actions is reeking havoc on my credit history and if not addressed I will get legal counsel involved to address my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7000.00} Status Account charged off. {$5800.00} written off. {$7000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Account charged off. {$8900.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$52000.00} Status Account charged off. {$52000.00} written off. {$52000.00} past due as of XX/XX/XXXX. 




XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family quit removing the stuff Experian no one asked you to remove stick to the request nothing more!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX DISPUTES INQUIRES LISTED FROM THE BELOW COMPANIES ARE NOT FROM ME, I HAVE SENT SEVERAL DISPUTES AND YOU JUST REFUSED TO DO ANYTHING BUT SEND ME A CANNED STATEMENT, FEDERAL LAW STATES THAT FCRA MUST REMOVE INACCURATE INFORMATION FROM A CONSUMERS FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE NOT MINE, REMOVE FROM MY FILE AS STATED IN PRIOR COMPLAINTS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Settled debt with Zwicker & Associates P.C. ( XXXX ) for less than full amount on XXXX/XXXX/15. They took payment and told me that I would get a letter noting this after 21 business days had passed based on what some bank told them they need to do. I have called them @ XXXX a total of XXXX times requesting this letter and have been told that it was mailed but have not rec 'd it. After calling again today XXXX/XXXX/15 ( XXXX XXXX-ext XXXX ), I was told that XXXX of their attorneys has to approve the letter being sent but they would not allow me to speak with this attorney for clarification. I asked for a supervisor ( XXXX XXXX-ext XXXX ) but was told he was too busy to speak with me. I believe that I am getting the " run around '' and would like to file a complaint as this seems to be an unfair debt collection practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting and Acct # 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 HAS violated my rights. 

15 USC 1681 Section 602A. I have the right to privacy.

15 USC 1681 Section 604 A Section 2- It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.
Product: Payday loan, title loan, or personal loan

I am not completely certain of the amounts but I known it was less than {$2000.00} taken out in XXXX. I had been sick with c-diff and had to have a fecal transplant. I did not qualify for short term XXXX so I received no compensation for my time contagious and very ill. I was XXXX XXXX XXXX  and XXXX XXXX. I needed help getting back on my feet. I was very timely with payment and offered a larger credit line. Shortly after this time I fell even more XXXX XXXX. Ive been diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As you can imagine I not only struggle most days to function on a basic level let alone the ability to hold a job. My car was repossessed on XX/XX/XXXX. They are claiming I owe {$10000.00} to regain possession of my car when the car itself holds a XXXX value of {$1000.00}. I spoke with the company in XXXX and they explained due to the pandemic they were forgiving my loan. I put this in the back of my mind as I was barely functioning in daily life. Ive been trying to regain my life and independence back after several XXXX XXXX XXXX that triggered these XXXX XXXX in the first place. I have struggled and remained as optimistic as possible but this situation stands to ruin my life. It is my belief that this company takes advantage of individuals in extenuating situations beyond the borrowers control with the expectation to gain extreme financial wealth at the expense of individuals who are so to say down on their luck, scared, sick, and not completely aware or competent enough to understand the risks associated and the financial ruin they impose. 

*The company that holds the title to my car and has repossessed it, holding it at a rate of 9 times greater than the value of the car in question after stating they were forgiving the loan due to a worldwide epidemic and current economic crisis : Loan Max XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove XXXX XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX ; XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX BalanceOwed : {$34000.00} XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.
Product: Credit card or prepaid card

Big Illegal or unknown or illegal charges ( above {$50.00} up to {$500.00} ) were made on my Walmart Credit card, XXXX and other credit cards ... ... .mostly by by foreign entities. 


Walmart Credit card and XXXX are not removing these charges even after multiple requests ... ... .and are piling heavy LATE FEES & INTEREST FEES etc ... ... .inflating the amount to be paid by several 1000 dollars. Then Walmart Credit card and XXXX are passing on these INFLATED ACCOUNTS to COLLECTION AGENCIES like XXXX XXXX XXXX XXXX ... ... .who are forcing us to pay these inflated amounts ... ... .and taking good customers or consumers like me to court. 

CPFB please order Walmart Credit card and XXXX to tell their COLLECTION AGENCY ... ... XXXX XXXX XXXX XXXX XXXX... to STOP harassing me ( by asking me to pay these INFLATED ILLEGAL amounts ... ... ..amounts INFLATED with ILLEGAL, UNKWON CHARGES, LATE FEES, INTERES FEES ETC. ETC. ) ... .and close my Walmart Credit card and XXXX XXXX ... ... FOREVER ... ... like XXXX, XXXX XXXX  etc. did for me!
Product: Credit card

I went to a Dentist to get a quote for XXXX implants I was told it would be {$50.00} dollars. Without telling me they charged me {$500.00}. I was in fear for my life so I paid and immediately called the credit card company. I am a XXXX XXXX XXXX senior American citizen.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital One to set up an arrangement for my account. After speaking to multiple people I finally reached the credit department and they agreed to set me up on a payment plan for XXXX a month. I have yet to receive a letter so therefore I called to check the status. I spoke to a young lady that told me that my invoice would reflect XXXX and that is the statement that I would be responsible for. I made the payment of XXXX but they debited my account for XXXX, which the funds for that was not available for. In addition to the unauthorized payment, they place a 30 day late on my credit report. I have never been late paying them in addition, they totally confused me with the debit out of my account. I request to have my payment of XXXX removed and the 30 day late mark removed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is related to Equifax 's data breach. My personal information has been exposed and they failed to exercise even the most basic of due diligence by failing to notify me. I was unaware of the problem until I heard about it in the media. I have confirmed with them that my data has been exposed but have not agreed to their arbitration.
Product: Credit reporting or other personal consumer reports

I reached out to experian about an address that doesnt belong to me that I never heard of till I saw it on my report. The customer rep told me to call every company to see who reported it. That is not a option due to the fact that none of my accounts Ive made have that address ever.
Product: Credit card

Dear cfpb, I am writing to file a complaint regarding the fraudulent dispute of funds by Apple Credit Card, charging both the merchant and the customer. 

After receiving an XXXX product that I found to be not worth the price paid, I attempted to return it to the merchant. However, the merchant refused to provide a return address and label, insisting on unreasonable grounds. Consequently, I had no choice but to file a dispute with Apple Credit Card regarding this transaction. 

Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/XXXX  Merchant name : XXXX Disputed amount : {$250.00} Credited amount : {$250.00} Despite clear evidence, Apple Card Goldman Sachs confirmed the dispute as successful and sent me an email confirming the Dispute Status : Completed ( Disputed charges will be removed ). The temporary credit received, including any interest charges, was supposed to be permanent. However, if XXXX also issued a credit for this disputed transaction, the permanent credit might be reversed. 

As I never received the credited amount, I already filed a complaint with cfpb against Apple Card Goldman Sachs for failing to transfer the disputed amount to me. 

Shockingly, after my complaint, Apple Card Goldman Sachs maliciously deemed the dispute unsuccessful, thereby fraudulently retaining the funds. Today, I received an email stating Dispute Status : Completed ( Disputed charge ( s ) will remain ). The temporary credit of {$250.00}. 

This corrupt and dictatorial behavior by the bank is unacceptable. 

I urge the authorities to oversee this matter promptly. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXXXXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
DPT ED/XXXX Account # XXXX has violated my rights. 
DPT EDXXXX Account # XXXX violated my rights. 
XXXX ( original XXXX XXXX  ) Account # XXXXhas violated my rights. 
XXXX XXXX ( original XXXX XXXX  XXXX ) Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX XXXX XXXX  Account # XXXX has violated my rights. 
XXXX XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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

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 the 3 credit bureaus 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 remove these filesXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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  Balance : {$3000.00} ; If the credit bureaus feel there is a possibility these items 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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: Credit reporting or other personal consumer reports

Self Inc misused my report and recently closed my account despite multiple attempts to dispute items years prior and now that I have financial strain due to XXXX family members they seem to have closed my account and negatively affected my credit report
Product: Payday loan, title loan, or personal loan

I have a loan through a finance company called Covington Credit. I took out a loan late last year with them. I did initially have some trouble making payments. However, I was able to work with the company to get the account current. My problem started around XXXX of this year.I have a representative payee who manages my XXXX XXXX from Social Security. In XXXX of this year, my representative payee changed. This also changed the way payments would be made to the company. I told this to the finance company early in the process, so that there would not be any issues with the payments. Since that change happened, the company has not cooperated with the new representative payee. They have continued the collection process on my account, including adding late fees and interest, and reporting late and missed payments on my credit report. I have explained the situation to several different employees with Covington many times. I have spoke with the company over the phone, in person, and in writing about the issue. Each time I communicated with the company, I gave them contact information for my new representative payee. My representative payee has told me that they have communicated several times with the company and that they were uncooperative. I also had a troubling call in early XXXX with a woman named XXXX with Covington Credit. She had said that they have no intention of working with the new representative payee and that the company would be charging off my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX verifying that I XXXX XXXX XXXX XXXX XXXX this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Debt collection

I have received bills demanding payment from 7th Avenue and Montgomery Ward which tell me that my credit report WILL show a negative rating unless they receive my payment by a certain date. The most recent statement demands {$60.00} by XX/XX/22. The letter states : " Every month we report the negative information on accounts to the three major credit reporting agencies, XXXX, XXXX and XXXX. If you want your credit rating to be positive, you need to send your payment. If we don't get your payment in time, your credit report will show a negative rating. A negative rating can have potenially bad consequences, including : Inability to get a CAR LOAN ; refusal of a JOB, Inability to get a HOME LOAN, Inability to RENT HOUSING. '' I'm not exaggering " car loan, '' " job, '' " home loan '' or " rent housing '' as the letter actually shows capitalized letters. 
I have contacted the company multiple times to ask for help with the account and explained by situation each time, but they have refused any assistance when I was unable to pay.
Product: Credit reporting or other personal consumer reports

I am submitting to inform you that I am scheduled to update my credit reports within the next 15 days. It is my sincere hope that the items listed below will be removed by the conclusion of this period, in accordance with FCRA Section 605b, which mandates the removal of items listed on an identity theft report with reference number 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  EQUIFAX 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 Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX
Product: Student loan

I paid my student loan account in full on XX/XX/2023. I paid it on time and am now being told that my payment was delinquent this on XX/XX/2023. They will not answer their calls or emails despite multiple attempts this week to do so at different times. I was not late on this account.