23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I could not afford my student loans when I got out of college in 2010 because I could not find a job despite applying for hundreds. When I first got into college I had grants and federal aid but had to apply for the rest through XXXX XXXX privately and got a loan at about 4 % inrerest. I did n't even know what interest was as a XXXX year old high school XXXX! As the years went on, they gave me a harder time getting student loans and by the end they were at 10, 11, 12, even 13 % interest rate!! How can anyone charge so much for an education?! It is so criminal! Navient took over my loans and I had to file for forbearance for multiple months before I finally got a job. Once I got a job, o still could n't afford my payments so I called in and they lowered them! I did n't realize it but I was paying interest only for the last two years and barely able to afford it at $ XXXX/month for only my private loans. This past XXXX my interest only payments apparently ended and they payments have gone up $ XXXX/month to now $ XXXX/month ( again only my private navient loans, I also pay federal and dept of education loans ). I have begged them to lower my interest rate so I can have a chance of even getting close to paying them off! I have called and asked them to do income drive repayment plan but I make {$48000.00} a year and apparently this is too much! However, this is before taxes and does n't take into account my mortgage, car payment, gas, lother loans, food ( which I can barely afford ). I have been with my boyfriend for 8 years and want to get married and start a family more than anything in the world but I am afraid I will never be able to due to the criminal behavior of navient and XXXX XXXX! I have tried to consolidate through other companies but thanks to the interest rates my debt has built up so quickly I do n't get approved! Other than forbearance, I still find a way to make my payments every month while I fall behind in everything else. My education should not be ruining my life like this.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$1700.00} ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and disputed my personal information with transunion more then 3 times and everytime my information is not correct or removed! 1. My name is XXXX XXXX! No other name should appear. 2. Only address is XXXX XXXX XXXX, XXXX IL XXXX, no other address should appear 3.phone number is XXXX no other number should appear! 4.only emplyrr is XXXX XXXX , no other employer should appear!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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. 
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 XXXXXXXX Balance : {$0.00}
Product: Vehicle loan or lease

On XX/XX/, Santander denied me a car loan and violated my ECOA and Tila rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX  Santander Consumer USA Inc . 
Consumer Relations Department XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Adverse Action Notice under the Equal Credit Opportunity Act ( ECOA ) and the Truth in Lending Act ( TILA ) Dear Sir/Madam, I am writing to express my deep concern regarding the recent denial of my pre-approval for a car loan with Santander, as communicated to me in writing on [ date ]. As a diligent consumer, I am fully aware of my rights under the Equal Credit Opportunity Act ( ECOA ), USC Title 15 Chapter 41, and the Truth in Lending Act ( TILA ). It is my belief that Santander 's denial of my loan application constitutes a violation of these federal statutes.

Under the provisions of ECOA, lenders are prohibited from discriminating against any applicant based on their race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. TILA, on the other hand, mandates that lenders provide consumers with specific disclosures and explanations regarding credit decisions. 

In light of the above, I am requesting that Santander provide me with an adverse action notice as required by both ECOA and TILA. This notice should clearly state the following information : 1. The specific reasons for the denial of my loan application, including the factors that adversely influenced Santander 's decision. 2. The credit scoring model used by Santander, if applicable, along with the information sources used in generating the credit score.
3. Contact information for the credit reporting agency that supplied the credit report used in evaluating my loan application.

4. A copy of the credit report upon which Santander based its decision, as per my right to request such information under the Fair Credit Reporting Act ( FCRA ).

5. A statement informing me of my right to obtain a free credit report from the aforementioned credit reporting agency within 60 days. 

I would also like to remind Santander of its responsibility to comply with the provisions set forth by these statutes. Failure to provide me with the requested adverse action notice within the specified timeframe may compel me to pursue further legal actions to protect my rights as a consumer. 

I kindly request that Santander promptly addresses this matter to ensure compliance with the law. I expect your full cooperation and look forward to receiving the requested adverse action notice within 30 days of your receipt of this letter.

Please consider this letter as a formal request for the adverse action notice, and kindly acknowledge receipt of this correspondence. You may reach me at XXXX if you require any additional information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 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 a 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 card or prepaid card

Lost and Stolen card used without my permission filed IC3 Report with FBI and FTC report number XXXX Would like to have balance to be {$0.00} and taken of credit report also since its against the law to have on credit report
Product: Debt collection

I dont owe this debt. This company will not provide original debt contract
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the fair credit reporting act XXXX Account # XXXX Navy Federal Credit union. Has violated my rights. 

15 USC 1681 Section 602 States 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 an open end consumer credit plan as late for purpose.
Product: Debt collection

Today I was notified of a writ of garnishment by XXXX XXXX XXXX of XXXX Or. XXXX. I had just paid off and completed a garnishment so was confused as to why this was being garnished again as I do know that at the time of the original garnishment all fees need to be applied. When I contacted them I asked them about the debt. They informed me that the garnishment was from the remaining balance of a prior garnishment in 2001. ( this would be 17 years of interest on a small amount ). When asked why when I called previously to discuss the other garnishment and asked if there was any outstanding amounts owed I was told no. During the conversation with the representative when asked about consumer rights was informed that its optional for them to follow those guides. The Fair debt collection act and oregon law states 7 yrs and 10 yrs respective to collect on a debt. This is not the first time this has occured as the previous garnishment was also from over ten years ago. Additionally, when I pushed for the information on this 2001 garnishment I was informed that it was to far back to look up what the debt was for.
Product: Credit card

The is a credit card with XXXX XXXX on my credit report through this collection agency LVNV. For the debit amount of {$570.00}. Again they have already collected the proceeds on this account and are trying to milk proceeds from me as I dont know the law and proper procedure. I would like for this company to stop reporting this account on my credit report because they have already received the proceeds for this account. And to never be able to access my credit report again. This company just refuses to remove this account from my credit report. I thank you for helping me get the my other collection accounts removed. I really appreciate it. If you are not educated to know what to do these collection agencies will milk you dry and thats how they stay in business. Please help me get this last account removed from my credit report, they know they have already collected proceeds for this account and are trying to collect more. Please and thank you for all your support in assisting me through all of this.
Product: Credit reporting or other personal consumer reports

This is a request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) that states I should receive the information I am requesting in 15 days. 
I received results on XX/XX/year> via CFPB Portal a after I submitted dispute via CFPB XXXX XXXX on XX/XX/year> based on the fact that my PRIVACY RIGHTS are being violated because the listed laws below have been violated. 
The results stated in response to both accounts listed below that I disputed states : ( THE ITEM BELONG TO YOU ) Trade : XXXX XXXX XXXX Additionally, this account is reporting a Horrible inaccurately amount reporting a balance of XXXX on an account with a XXXX Credit Limit and should be removed in its entirety because it is also in violation of my privacy as it should not be reporting on my credit report in the first place. 
Trade : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
My dispute was based solely upon my privacy rights being violated NOT whether the accounts belong to me or not. The ( 2 ) accounts are illegally reporting blatantly without my PERMISSION in violation of my PRIVACY!

Both accounts should not be reporting on my credit report in the first place without my CONSENT.

Both accounts are in violation of FCRA 602 which states I have a right to PRIVACY.

Both accounts are in violation of FCRA 604 ( a ) ( 2 ) which states a credit reporting agency can NOT furnish an account without the written instructions of the consumer.

Both accounts are in violation of Section 6802 which failed to inform me that my non public personal information would be reported to a third party and failed to get principals permissable purpose.

Both accounts are in violation of Section 6803 of this title ( b ) the consumer is given the opportunity before that time such time information not be disclosed to such third party and ( c ) the consumer given an explanation of how the consumer can excercise that non disclosure option by reporting negative information without notification and consent of the consumer. 
Both accounts reporting are in violation of 15 U.S.C. 1681 ( a ) ( 2 ) Exclusions Except as provided in paragraph ( 3 ) the term consumer does not include ( i ) reporting containing information solely to transactions and experiences between the consumer and the person making the report.

Again, I request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) All the records that will reveal the procedures used that led to the accounts to be Verified/ Updated as stated according to the results I received on XXXX  online via CFPB # XXXX. Additionally, I am requesting the names of the persons you spoke with and their Business Name, Address, and Telephone numbers within 15 Days in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) or remove the accounts.
Product: Debt collection

In XXXX, I opened an account with XXXX. Due to their complete data outage and my relocation to an area with already spotty service, conditions in the original contract were not able to be upheld, I decided to terminate within my rights. I was advised by a XXXX service representative that due to my status as an XXXX XXXX Military member and my protections under the Service Members Relief Act that I would not have to pay a termination fee. In XXXX, a collection agency attempted to collect on the {$260.00} that was waived 4 years prior by XXXX. I filed complaints and disputed the charge and it was dropped for a period of time. Every 2-3 years, another collection company would try to collect on this invalid debt, posting it as a newer charge/account which is entirely against provisions in the Fair Debt Collection Practices Act. Credence Resource Management has also failed to adhere to the provisions set forth in the Fair Debt Collection Practices Act by failing to notify me of the collection in writing. According to the Fair Debt Collection Practices Act, Credence Resource Management must tell a debtor : 1 ) the amount of the debt, 2 ) the name of the creditor, 3 ) the fact that unless the consumer disputes the validity of the debt within 30 days, the debt will be considered valid, and 4 )  that the consumer can ask for verification of the debt. I never received any type of notification from this company, in fact, I was never given any type of notice after I had already filed other disputes that were settled in my favor through the CFPB [ Case number : XXXX ] and through the individual credit reporting agencies. Credence Resource Management has also posted this collection as a new charge/account to the credit agencies, even though the original debt is now passed the State statute of limitations.
Product: Credit card or prepaid card

To whom it concerns, Wells Fargo received a cash payment on my credit card account on XX/XX/2019. Yet, they still show that I owe a balance of XXXX, after making a payment of {$370.00}. The bank representative, XXXX, advised me that it takes 1 to 3 days for the payment to hard post to the account. 

However, in the interim ; I'm still accumulating interest on the erroneous balance of {$710.00}. The representative affirmed this during the call. I contend that this is fraud having been committed by Wells Fargo bank on the consumer. 

Additionally, Wells Fargo is also inaccurately report this erroneous balance to the credit bureaus, as they have in the past. 

I would like the FTC to investigate this matter,
Product: Payday loan, title loan, or personal loan

Fifth third bank/ MB financial I have two motorcycle loans. they are paid off in XX/XX/2021. Received letter of forced insurance applied and demanding {$8000.00} additional. I called their call center number. They could not resolve. ( Off-Shore call center ). Went to a local bank and provided insurance for the term of the loan. They accepted and realized I also overpaid on the loan by 1 month. The Bank officer said he would take care and resolve. 
Today it is 4 months ... After numerous calls and promises they still are " Working on it '' they notified the credit agency and as a result lowered my score. 
The call center still calling demanding money. They will not address the overpayment. One department does not talk to the other dept. I have a Bank officer out on vacation. VP at the bank will not return any of my calls or emails. I see this as a bad faith issue where they hope I just pay and go away. 

The fifth third bank bought MB financial. This is an internal mess and they are having problems with their accounting systems and culture of being respectful to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also sates a consumer reporting agency can not furnish an account with without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

THIS IS A CFPB COMPLAINT, NOT A DISPUTE OF CREDIT REPORTING, BUT A COMPLAINT AGAINST EXPERIAN. 

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian for multiple violations of federal laws, including the Fair Credit Reporting Act ( FCRA ), for inaccurately and unlawfully reporting an unverified bankruptcy on my credit report. Despite repeated efforts to resolve this issue, Experian has failed to act appropriately. 

Additionally, due to the recent CFPB lawsuit against Experian on XX/XX/year>, I feel that this action validates my complaints. XXXX practices have caused significant harm to my credit and financial opportunities, as their responses to my earlier disputes stated that accounts were verified, yet they failed to provide any details about the investigations conducted. 


Summary of Violations Experian has violated the following laws : XXXX. 15 U.S.C. 1681b ( 2 ) : Permissible purposes of consumer reports Experian has no permissible purpose to report an unverified and inaccurate bankruptcy. 

XXXX. 15 U.S.C. 1681q : Obtaining information under false pretenses Experian falsely claims to rely on XXXX for this bankruptcy information, which XXXX has confirmed is not accurate or provided by them. 

XXXX. 18 U.S.C. 1028A : Aggravated identity theft By falsely reporting this bankruptcy, Experian has effectively damaged my identity and financial reputation. 

XXXX. 15 U.S.C. 1681c-2 : Blocking of information resulting from identity theft Experian has failed to take action to remove the inaccurate item, even after being provided proof that the bankruptcy is not valid or verified. 


Key Facts Experian claims that XXXX is furnishing the bankruptcy information ; however, XXXX has provided me with written proof that they are not reporting this bankruptcy. 

XXXX has initiated disputes on my behalf more than XXXX times over the past XXXX years, with no response or correction from Experian. 

Despite multiple notices, Experian continues to report this inaccurate bankruptcy, causing significant harm to my credit score and financial well-being. 


My Demands XXXX. Immediate Removal : I demand that Experian immediately remove the inaccurate and unverified bankruptcy from my credit report. 

XXXX. Compliance Assurance : Experian must demonstrate compliance with federal laws, including the proper verification and handling of reported information. 

XXXX. Accountability : If Experian does not resolve this matter promptly, I will pursue further legal action to seek remedies for the damages caused. 


I have attached supporting documentation, including correspondence with XXXX, to substantiate my claims. Experians ongoing failures and negligence have negatively impacted my credit and financial opportunities. I trust the CFPB will take appropriate action to hold Experian accountable and ensure compliance with the law. 


Thank you for your attention to this matter.
Product: Mortgage

The original reason I fell behind dates back to XXXX in which there were 2 misapplied payments that the servicer refused to correct. After that, the payment increased on top of that creating difficulty to keep up with the payments. I have never received any approval for a loan modification to seek assistance. I have applied for all retention options to retain the home but have been denied. I have demonstrated affordability going forward but still never received any Loan Modifications in the past. We are both XXXX and I am in a XXXX XXXX There was XXXX XXXX, XXXX XXXX XXXX XXXX were unnecessarily XXXX In closing, given my current situation with my hardship and the fact I have never received any assistance to keep my home despite all of my hardships mentioned in this communication, I don't understand why I am not being presented with an opportunity to keep my home when are income supports the ability to afford it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used to open up an account with Money Lion, I never heard of MoneyLion and never have done any business with them. There is a {$500.00} MoneyLion account on my credit report. 

I am a victim of Identity theft and would like to have this removed from my account right now.
Product: Credit reporting or other personal consumer reports

I have tried numerous times now to dispute with Bridgecrest the inaccurate reporting of data to my credit reports. As of today they continue to violate the FCRA and I intend to seek damages if these accounts are not deleted asap, I currently owe Bridgecrest no money so I have to take the continued reporting of incorrect information as an attempt by Bridgecrest to defame and slander with the intent to prevent me from getting credit elsewhere.
Product: Debt collection

I believe the ticket was paid back when it was due. Now 20 years later I get a notice that I must pay this ticket. When I call the collection agency, they tell me to send it to them in writing. Then they send me a letter telling me to prove it. When I call back to explain that I have denied owing this bill ( ticket ) they will not let me talk becuase Their script is important, I again state that I do not owe this bill
Product: Debt collection

Today XX/XX/21 upon checking credit, i see a new collections on my profile from SPRING OAKS CAPITAL LLC for XXXX XXXX XXXX. Which i never had before nor inquired about. Already made a complaint with XXXX. Tried calling them & they wont answer.