23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My private student loans that are currently in repayment with Discover Student Loans have an astronomical interest rate and minimum payment. After having a huge mishap on their part because they were unable to inform me that I had missed a payment, decided to refinance with another loan carrier. In this process, I needed to contact Discover to print me a new statement that showed I was current with my payments and had no balance left over for the month so that I could send my completed application to the bank I was refinancing with. After telling me that they would send the new statement, I waited five days and never received it. They " sent me another '' statement. Another three days and never received it. I was then told that they could not even make me a new statement hat showed this information and that they would fax a lenders letter that showed the information I needed. I waited four days for that fax and called everyday. Those four phone calls ended with " it will be sent in the next 24 hours. '' Finally on day 4, I spoke to a supervisor who actively attempted to fax the letter himself. Of course, whether it was my fax machine or theirs, I 'll never know, but the fax failed. They then overnighted me the letter. I now have the letter, however the exact information that I was clear about needing is not on the letter. They are now overnighting me a letter that they claim has the information I need. Regardless, because this whole process has now taken almost a month, I have, once again, paid my minimum payment which is XXXX % my monthly income as a teacher. All I needed was up-to-date information about my loans and all the money I have been paying them. A month to receive that information is unacceptable.
Product: Debt collection

Could not provide original contract from company to verify the debt. 
One agent claimed they sold the debt to them, I asked them for proof of purchase ( to verify the own the debt ). Then another agent told me they are a subcontractor.

Original company says the balance is entirely paid off.

Debt is 2 years old and I received no notification that this debt existed.

They also could not provide a full payment history associated with the account, just this supposed balance.
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, account or item 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 account or information which is found to be opened due to identity theft. The dispute item 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 this files. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

If you feel there is a possibility this account 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 XXXX XXXX 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. CAPITAL ONE BANK USA XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As detailed in my prior CFPB complaint against Experian ( XXXX XXXX my personal credit file has been corrupted by fraudulent information that has caused innumerable financial problems to my detriment because of false names and identities intentionally included in my credit history by Experian. 

Experian 's response to my complaint of intentional fraud clearly exemplifies the premise of my complaint : Experian 's operating business model has a long established pattern and practice of intentionally including false and fraudulent information in personal credit files in order to promote their " credit repair '' scam. 

Experian will harass and relentlessly pressure every consumer who is forced to '' visit '' their website into paying monthly " fees '' for all eternity to " repair '' your credit file by removing the very same false and fraudulent data Experian put into it. This is the epitome of " conflict of interest. '' The title of Experian 's response ( Report Number : XXXX ) is classic : a request to remove fraudulent information is responded by including ADDITIONAL fraudulent information : ( XXXX XXXX XXXX XXXX XXXX Report number XXXX | XX/XX/2021 XXXX Print report XXXX XXXX Multiple fraudulent representations of my name attached to my home address has resulted in multiple fraudulent claims against me, for debts I do not owe, because of ongoing fraudulent representations made by Experian in my personal credit file records. 

IN ORDER TO PROMOTE EXPERIAN 'S " CREDIT REPAIR '' SCAM
Product: Debt collection

I never ordered at this company I contacted the debt collectors to dispute this charge XXXX
Product: Credit card or prepaid card

Citi has taken adverse action against me as a consumer and they have violated the Equal Credit Opportunity Act, 15 USC 1691c and pursuant to civil action liability under 15 USC 1692k and are subject to criminally liability as well due to the adverse action letter I received. 
I completed an application in good faith for the Citi Diamond Preferred XXXX but credit was not issued. My social security card ( credit card by definition under 15 USC 1602 ( l ) was used and I received no benefit. This is proof of fraudulent activity, unauthorized use of credit card, Citi failed to make any reasonable procedures to resolve this matter, all I received was an adverse action letter, which is attached to this complaint. This is a clear and standard daily practice of Citi. This has harmed my credit report and Citi released nonpublic personal information to the consumer reporting agencies as well.
Product: Checking or savings account

I would like to get my freaking money back. PayPal put my account on hold for no reason the. Stated I would receive my funds in XXXX. Now XXXX is almost here they decide to take my freaking money this is outrageous. Im demanding PayPal give me my XXXX  funds back immediately or I will take legal action. 

They owe me {$7300.00} immediately!!!!!!!!!! 

PayPal email : XXXX XXXX can not just take peoples funds like this. This is crazy how can you just ordinary peoples money with no explanation?!? 

If this is not handled accordingly I will be taking legal action soon as I get feed back from this complaint.
Product: Checking or savings account

Over the course of 3 months there has been multiple fraudulent charges made to my account. I have requested PNC Bank close my account, or change the account numbers on my account. They will do neither. My balance was positive, and they still will not close the account after asking multiple times. Due to fraudulent activity along with the issue of charges processing multiple days after posting to the account, and charges reversing just to be recharged and concur fees associated with said charges I do NOT want an account with PNC any longer.
Product: Payday loan, title loan, or personal loan

IN XXXX 2017 I TOOK OUT A LOAN OF XXXX WITH THIS COMPANY DID N'T NO THAT THEY CHARGE A XXXX  DOLLAR FEE IF APPROVED ON TOP OF THE LOAN WITH INTREST. AND FINANCE FEE OF XXXX BI WEEKLY .AND DID N'T SAY ANYTHING ABOUT XXXX FEE IF APPROVED. AND NOW ON THEY WEBSITE SAY THEY OPERATION CHANGE FREQUENTLY. AND THEY BEING USING DIFFERENT LOAN ID TO DEBIT MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

I have uploaded and sent letters for proof for account never late and paid in full closed. I have asked for response from companies reporting agent in form of a letter with company header. I have not received anything but items will remain on credit report and the response comes within XXXX. After asking for representative reporting and specific detail of explanation. In written form of a letter bearing the representative signature. 
Bankruptcy was not reported by courts. It's is personal information that was paid for from thrid party. My Bankruptcy was never in XXXX colorado. And I asked as well please remove cause location is filed wrong and called the courts and sent letters in from court explaining they do not report to to any credit bureau. 

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 Child Support # XXXX, Texas Attorney General : # 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 XXXX XXXX XXXX XXXX XXXX XXXX, US BANKRUPTCY 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: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  was responsible for validating the records associated with this account but failed to do so. The requested information included : A copy of the agreement granting authority to collect on this alleged debt. 
A signed agreement where I explicitly agreed to pay the creditor. 
Details of any insurance claims filed by the creditor regarding this account. 
Documentation of any judgments obtained by the creditor related to this account. 
The name and address of the alleged creditor. 
The name associated with the alleged debtor. 
The alleged account number. 
The address on file for the alleged debtor. 
The total amount of the alleged debt. 
The date the alleged debt became payable. 
The date of the original charge-off or delinquency. 
Verification that the debt was assigned or sold to the collector.

A complete accounting of the alleged debt. 
Details of the commission the debt collector would earn if collection efforts succeeded. 
The method used to verify and validate this information. 
None of this information was provided, nor was an explanation given for the fraudulent account being listed on my XXXX report after subsequently being removed from my experian for fraud. Under 611 ( 15 U.S.C. 1681i ), which governs the treatment of inaccurate or unverifiable information, it is evident that my credit and consumer rights have been violated due to XXXX XXXXXXXX XXXX XXXX failure and negligence. 
This account has been under review for over two years without proper validation in any instance. As such, this account must be deleted, and any association between XXXX XXXX XXXX  and my personal information must be removed, as the information is inaccurate, invalid, and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to submit a complaint in my personal credit report information that is questionable. I was never late on this account. It has been deferred because I'm still in school. Also, how can it be XXXX  days late without first posting XXXX or XXXX  days late? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record, etc. The following accounts are listed below : XXXX XXXX XXXX  : {$30000.00}, XXXX XXXX XXXX  : {$16000.00}, XXXX XXXX XXXX  : {$2800.00}, XXXX XXXX XXXX  : {$12000.00}, XXXX XXXX XXXX  : {$17000.00}, XXXX XXXX XXXX  : {$17000.00}, XXXX XXXX XXXX  : {$11000.00}
Product: Debt collection

Last week contacted to settle an amount to pay. He said he wouldn't work with that and needs the entire amount. He stated he would continue adding to the account for interest when not paid to ruin my credit. 
He hung up on me..called him back and he wouldn't answer..he then said he was going to have me arrest for harassing him by calling. 
My number is now blocked and the amount keeps adding every week.
Product: Credit card or prepaid card

I had called on XX/XX/2020 and told them that it was a suspicious that someone withdrawn my account of {$510.00} on XXXX so I put a claim in and they suppose to send me some forms to filled out and send it back to them.. never received anything as of right now.. have been calling the past 3 days and always on hold for more than 3 hours to the claim department.. never reach a love person.. need to talk to someone ASAP..
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2013 I am not sure how this happened, I believe 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 reporting or other personal consumer reports

Subject : Formal Complaint Against Credit Bureaus for FCRA Violations and Inaccurate Reporting Dear Consumer Financial Protection Bureau, I am writing to express my deep frustration with the three major credit bureausXXXX, Equifax, and XXXXregarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C. 1681 ]. Despite multiple attempts to correct inaccuracies, these agencies continue to report erroneous information, causing significant harm to my creditworthiness. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding these issues. 
Collection Account Dispute : The account with XXXX XXXX XXXX XXXX, reported on XX/XX/2024, is inaccurately affecting my credit score. I have no contractual agreement with this company, nor have I authorized them to access or utilize my personal information. Under FCRA [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. This has clearly not been observed. 
Inaccurate Late Payment Reporting : My credit report contains unfounded late payment entries, specifically noted in the XXXX report as of XX/XX/2024. According to the FCRA [ 15 U.S.C. 1681i ], upon receiving notice of a dispute, credit bureaus must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The failure to correct these errors indicates a neglect of this duty.

Unauthorized Information Sharing : I have not given consent for my personal and financial data to be shared or sold to third parties. This unauthorized dissemination violates my privacy rights under the FCRA [ 15 U.S.C. 1681b ], which restricts the purposes for which consumer reports may be furnished.

Immediate Action Required : I demand the immediate removal of all inaccurate accounts and erroneous late payment entries from my credit reports. I also request a comprehensive investigation into these violations and a written explanation of the corrective actions taken to comply with the FCRA. 
Should these issues remain unresolved, I will have no choice but to pursue further legal action for damages incurred due to this negligence. 
I trust that the Consumer Financial Protection Bureau will take prompt action to address these serious concerns and hold the credit bureaus accountable for their failure to adhere to federal law. 
Thank you for your immediate attention to this urgent matter.
Product: Money transfer, virtual currency, or money service

I have been a victim of a scam. I am unemployed and seeking work. I built a resume on XXXX XXXX and a company reached out for a virtual job interview. I accepted. The interview was at XXXX XX/XX/2020 and went til XXXX. I accepted the job offer and the company sent me an employee letter and XXXX to fill out. They sent a check over night for me to deposit and this would be used as my start up equipment. I was to begin training immediately after receiving my equipment. The check was deposited on XX/XX/XXXX. I was required to pay, using the funds once the check was cleared, to a trusted vendor that would send me all the programs needed already downloaded on the laptop. My bank has said theres nothing they can do once I started to suspect anything and XXXX has only sent an email saying they are not responsible. Hours after this happened while I was on hold with my bank for 1 hour I was losing access to mobile banking. Since I am unemployed and have only the government funds I receive for unemployment I now am required to use that money to live off of and start making payments to my bank for the transaction. I am upset because I disputed these transactions and us bank ran an investigation which no one contacted me to inquire about this and they do not have all the details so how did they complete the investigation? XXXX needs to take out their main add that they are backed by big banks so its safer than XXXX. And the banks need to help us as our financial institution. The scammers are getting too good for everyone to know how to handle these situations. Disappointed in everyone involved with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud. Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not. Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights. Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be zeroed out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. 

This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning CAPTIAL ONE, N.A. and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
Product: Consumer Loan

i applied for a loan with one main financial serval times because every time there an issue my score or my income is low and also same thing with my mother also they are the worst company everthey should not be in business.it what this company is pullingalso they act very nasty also
Product: Debt collection

This company has been harassing me for a debt that is not mine I have requested debt validation forms I have asked that the company provide original contract with wet ink signature I have sent the company copies that my identity was stolen I have sent the company cease & desist letters all to no avail. This company has been trying to link me to bank accounts that were overdrawn couple years ago & I have been going back & forth about the matter since XXXX
Product: Debt collection

Debt is from the college I attended for my XXXX  study. It is the fee to graduate. Was not notified that it would go to collection, nor was I notified that it was with a collection agency. No one contacted me. I called school to pay and was told it was with a collection agency. Paid the debt with the collection agency and it is still appearing on my credit report months later. I was told it would be removed from my credit once I paid it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Bankruptcy Date Filed/Reported : XXXX  Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX