23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I paid four of my five student loans in full with a refinance through XXXX. I left one student loan open because the interest rate was lower than my refinance. I owed a very small amount on " loan sequence 2 '' and had pre-paid a couple of years of payments on that loan. XX/XX/XXXX I decided to start re-paying the debt that was pre-paid through at least XX/XX/XXXX because I would like to start a family and thought I should get rid of that loan first. When I made the {$92.00} payment, all four of the closed loans re-opened. I called onXX/XX/XXXX to complain to XXXX as the 4 loans should have been paid in full. I told XXXX XXXX that I wanted the loans which re-opened with credit to be reapplied to the total debt owed and DID NOT WANT checks sent to me. I was told no little checks would be sent. I received two checks for about {$2.00} each about one week later. After two calls and multiple escalations I was told my loan would be entered into a " lead review '' which would take two weeks maximum. After two weeks, I called again and I was told the process could take up to 30 days. Meanwhile, the amount owed increased. I continue to call XXXX and the problem is not fixed. XXXX is now reporting my credit as OVER 260 DAYS PAST DUE which is a LIE and IS Seriously affecting my credit. I had to buy a new car and was not able to get the promotional rate. MY LOANS ARE REPORTING AS ALMOST IN DEFAULT WHICH IS A LIE. MY CREDIT IS REPORTING AS HAVING SERIOUS DELINQUENCY WHICH IS A LIE. EVERY TIME I CALL XXXX they demonstrate a complete inability to assist me. The first person who answers informs me my loans are significantly past due and in risk of default after multiple escalations I finally reach someone who has a clue and says it normally does not take this long to correct. It has been a month and a half and my credit is messed up. 

Additionally, XXXX never explained to me the consequence of paying the income based repayment. My loans therefore capitalized as follows : on XX/XX/XXXX - {$10000.00} and on XX/XX/XXXX -  {$550.00} ( despite on time regular payments since the first due date XX/XX/XXXX. I made regular on time payments until XX/XX/XXXX. On XX/XX/XXXX my interest capitalized {$17000.00}. This added a total {$28000.00} to my amount owed. I then made on time payments until XX/XX/XXXX and I paid 4 of my loans in full in XX/XX/XXXX
Product: Debt collection

I am writing to formally report a case of identity theft and fraudulent activity involving an account opened with XXXX XXXX XXXX in the amount of {$1800.00}. I have recently begun receiving bills for this account, but I can confirm that I did not initiate or authorize this account. This is a clear case of fraud, and I am seeking assistance to rectify this situation and remove any adverse effects on my financial history. 

Creditor : LVNV Funding LLC Original Creditor : XXXX XXXXXXXX XXXX Account Balance : {$1800.00}
Product: Vehicle loan or lease

On the 21 day of XXXX XXXX, I went to XXXX XXXX XXXX for a consumer credit transaction. During the consumer credit transaction I produced my credit card which was my social security card and my driver 's license for the consumer credit transaction. Pursuant 15 USC 1602 ( l ) Thetermcreditcardmeansanycard, plate, couponbookorothercreditdevice existing for the purpose of obtaining money, p roperty, labor, or services on credit. I filled out an application for an extension of credit, during the credit sale a contract has been offered without adequate disclosures. The contract that was signed with Capital One to purchase a XXXX XXXX XXXX, at the price of $ XXXX wish to cancel that contract.I was not made aware that XXXX XXXX XXXX took my credit to capital one and capital one took my credit to get a loan. I did not authorize that transaction, nor did i have any knowledge of what XXXX, XXXX, Pursuant15USC1602 ( f ) Theterm credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment a nd XXXX XXXX XXXX used my credit to get a loan in my name which in according to 18 U.S. Code 1028 is Fraud. Fraud vitiates the most solemn contracts, documents, and even judgments. U.S VS. Throckmorton On 7/21/21 I hereby exercised my right to rescind the agreement under the provisions of 15 U.S. Code 1635 - a certified letter was sent to the company and the receipt of return was sent back on XX/XX/XXXX .Right of rescission as to certain transactions, and ask that you return my downpayment of {$4500.00} and the amount that has been paid to date on the fraudulent loan within 20 days after receipt of the notice of rescission, as required by law.By law capital one auto financed has violated my rights as a consumer by not responding to my demand which was received by the company on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Tx XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

I discovered several violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws regarding the handling of my credit report and personal information. These issues include the following : Willful Noncompliance : Under 15 U.S.C. 1681n, I believe credit information was accepted and reported about me without proper verification of its accuracy. This constitutes willful noncompliance, which is punishable by civil liability.

Failure to Disclose Opt-Out Rights : Per 15 U.S.C. 1681a ( d ) ( 2 ) ( A ), my right to opt out of having my personal information shared was not disclosed to me. This omission violated my consumer rights.

Furnishing Inaccurate Information : Several accounts and inquiries were reported without proper validation, potentially violating 15 U.S.C. 1681s-2. This is deceptive and creates inaccuracies on my credit report.

Unfair Debt Collection Practices : Creditors or collectors engaged in actions violating the Fair Debt Collection Practices Act ( FDCPA ), including harassment and reporting false debts without my consent.

Improper Disclosure of Debt Information : My personal debt information was shared with third parties, violating 15 U.S.C. 1692b, which regulates acquiring location information and prohibits unauthorized disclosures.

Inaccurate Late Payments : " Late payments '' were reported without clarity on what constitutes lateness, violating 15 U.S.C. 1666b, which requires accurate timing and reporting of payments.

Unauthorized Credit Report Entries : Some entries were made on my credit report without my written consent, in violation of 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ).

I provided specific examples of incorrect personal information and unverifiable accounts, such as addresses and accounts listed on my credit report. Ive asked for these to be corrected or deleted under the FCRA and related laws.

These actions have caused harm to my credit standing and personal well-being, and I demand a prompt resolution. If the violations are not addressed, I am prepared to pursue legal remedies under the FCRA and FDCPA.
Product: Credit card

In XX/XX/2023, Bank of America sent me a credit card bill in the amount of {$1600.00}. I promptly paid the bill on XX/XX/2023. Shortly afterwards the bank closed my account. I then received a refund on the closed credit card account in the amount of {$1600.00}. This amount now shows as a credit of {$1600.00} on the account. 

I contacted the bank about 2 months ago and an associate told me that since the account is closed, the bank will issue me a check to pay me back {$1600.00} ( Case number XXXX ). However, I received a mailed response from Bank of America on XX/XX/2023 informing me that they can't return my credit card payment with no explanation for not returning my money. 

Adding a layer of gravity to this financial saga is my ongoing battle with a severe illness spanning XXXX arduous years. This health struggle has introduced unforeseen financial burdens, making the bank 's refusal to return my money not just disappointing but morally questionable. 

Let it be underscored Bank of America 's actions tread the murky waters of Unfair, Deceptive, and Abusive ( UDAAP ) standards. This maneuver inflicts substantial financial injury upon the consumer, corroding the foundation of consumer confidence and casting a shadow over the integrity of the financial marketplace. The refusal to rectify a situation that is both morally and ethically imperative is a testament to the dire need for reevaluation and accountability within our financial institutions. Thank you.
Product: Mortgage

Wells Fargo diverted funds that were earmarked for my line of credit loan. Wells Fargo claims that 6 years ago, I missed an insurance payment and deducted {$440.00}, from my loan payment. I've disputed the claims, and received an XXXX page packet of useless information. I've noticed that my complaint is moved from person to person at WF and, they all have the same phone number. 
By diverting the funds from my loan, Wells Fargo is guaranteed to earn interest on the {$440.00}. Over 15 years this interest could be {$400.00} or more. Conflict of interest. 
I haven't been able to get the exact amounts, or dates. As far as I can tell, on XX/XX/2021 Wells Fargo deducted {$300.00} from my loan payment. On XX/XX/2021 Wells Fargo deducted {$140.00} from my loan payment. 
I have excellent credit. Wells Fargo is trying to say that I've made every payment that I've ever owed except for this one. Obviously false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00}
Product: Credit reporting or other personal consumer reports

This account has been showing on my credit report for over a year and I have been requesting information on who applied for account phone number, payments made, payments schedule, contract, names on account. I have not received XXXX response from them. I started disputing with bureaus and they continue to show verified. When asking for proof and documentation I have not received from company or bureaus. 
This process has been stressful with no help of getting a resolution. I will be contacting the XXXX and will be looking into legal help. I have tried to do everything in order to clear my name. Not one time have I received a notice or call from this company about any sort of payment, nor do I show them on my bank statements at any time.
Product: Checking or savings account

I opened my bank account with a promotion that stated I'd receive {$400.00} if I had {$1500.00} in deposits in the first month. I had well over {$1500.00} in deposits but the they switched one of my deposits to the next day and yet I still met the qualifications but didn't receive the bonus. Got a call from corporate telling me I was eligible they would fix it. Week or so later the bonus went in my account I made a purchase went back afew days later the deposit was gone and I was over drafted. Called the bank got the run around for days then was told i didnt have enough deposits but did then was told I didn't use the promo code when I signed up but I did. I used a XXXX add to sign up and copy and pasted the code. So now my account is over drafted and they say I'm responsible and they never gave me the {$400.00} bonus when they did an then took it back. This is the second time I've had a major problem with this bank and now I'm over drafted and can not close the account. Thus is my business account and it is cost me jobs not being able to order parts or anything I need my bank for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I retired in XXXX of XXXX. I then paid off my mortgage, automobiles, credit card, etc. and did not have any more creditors between my wife and I. My XX/XX/XXXX credit scores ranged from XXXX to XXXX. For an unknown reason, my wife 's ( Retired XX/XX/XXXX ) credit report in XX/XX/XXXX came back at " XX/XX/XXXX when her credit rating has always been at or above my credit rating. One explanation for this from XXXX XX/XX/XXXX was " Delinquent credit obligations ''. We have been married for 43 years and have always paid our bills on time if not early. 

can you help me with my wife 's credit score?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting agency removed an account off my credit report. The account is XXXX XXXX/XXXX XXXX. This account is an account that is in excellent standing I dont no why they removed it off my report. Having this account report on my credit report helps my credit worthiness.
Product: Mortgage

I have a loan that if I pre-pay in XXXX years, would give me a penalty. 
For the first year of the loan, I didn't realize nothing was being paid towards the principal, but as we know, most loans have interest only in the beginning. Anyway, since the principal of the loan didn't seem to be moving, I decided to pay a little extra for the principal - XXXX per month. It went well for that year. 
They seemed to have sold their mortgage to another company. 
Now, if I pay an extra XXXX per month, they ding me with a XXXX dollar fee, saying I am pre-paying the mortgage. However, I tell them putting extra towards the principal is NOT technically pre-paying the mortgage but they insist that I am pre-paying my mortgage. 

So who is right? 

Thanks
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I sent out a certified letter to all credit bureaus in regards to these accounts with XXXX and Navient. total alleged debt with XXXX is about {$140000.00}. Total alleged debt with Navient is about {$20000.00}. Both of these Federal loan companies have been reporting inaccuracies with different open dates, transactions and payments or non payments on my credit report for over 15 years. According to U.S cod 1681 a definition of rules of construction sec 2 exclusions except a provided in paragraph 3 the term consumer report does not include these terms. Containing information solely as to transactions. between the consumer and the person making the transactions report shall be excluded. XXXX and Navient are in violations of my rights as a consumer by including transactions on my credit report. U.S. code 6802 They failed to give me documentations to opt-out reporting to a non-affilated 3rd party prior to them reporting to all credit bureaus They are also in violation of the ground mission bleil act of 6801. This has caused tremendous pain on my life a mother supporting her family. I would like these loans and transactions off of each my credit report with XXXX, XXXX and XXXX. I would also like to seek for damages due to the violations for almost 20 years of my life of pain and suffering
Product: Student loan

My federal student loans were forgiven through the PSLF program ( I'm an XXXX XXXX military member XXXX XXXX  ), and I received confirmation from Mohela via a memo dated XX/XX/2023 through my account 's digital mailbox ( memo attached ) stating that I met the requirements for the PSLF. The amount for the 2 forgiven loans ( {$18000.00} ) is still showing on my credit report because Mohela has not contacted the reporting agencies to confirm that those loans should be struck from my records. Being XXXX XXXX military and moving to a new base every 3 years, it will negatively effecting my ability to plan for and get approved for our next home loan. 

Additionally, I made additional qualifying payments toward the PSLF program while my application was in review. A Mohela representative ensured me that I would receive a refund check from the US Treasury for the amount of those additional payments that I made to my federal loans. I have not received it. 

Its been almost a year since my package was approved and processed, and these two simple administrative issues are still unresolved.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires the removal of any inaccurate accounts from my credit report. Could you please verify the documents? Some of the listed accounts have inaccuracies in reporting, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting 3 Bankruptcies on my credit report that do not belong to me. 

Experian uses XXXX for its bankruptcy and public records information verification.

Experian repeatedly claims that they have verified the bankruptcies showing on my credit report with XXXX. 

I have verified thru XXXX thru a report on me ( XXXX XXXX XXXX ) dated XX/XX/XXXX I have No Bankruptcies thru XXXX. 

The report I received from XXXX clearly shows I have no Bankruptcies. 

Experian is showing Bankruptcy XX/XX/XXXX XXXX Bankruptcy XX/XX/XXXX XXXX Bankruptcy XX/XX/XXXX XXXX I am not asking for a reinvestigation. I am attaching proof that I don't have any bankruptcies. 

I am asking for the immediate removal of these bankruptcies showing on my credit report. 

Do not and I repeat do not reinvestigate these bankruptcies you have done so prior and continually are dishonest about the results. 

If these aren't immediately removed I will file lawsuit against Experian for all damages caused
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : STATE OF MI OFFICE XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 reporting, credit repair services, or other personal consumer reports

My student loans were serviced by great lakes on behalf of us dept of edu. They closed the accounts due to transferred them to another loan servicing company XXXX. The closing of the loans reported to the credit bureaus equifax and XXXX due to transfer which dropped my credit score drastically. Months later the loans were re-added to my credit reports with these bureaus and my score then dropped drastically again so it now looks like ive just opened this new debt with student loans and it is hindering me from obtaining new credit ie : a new apartment because it makes me look irresponsible which I believe is unethical.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In an attempt to clean my credit account with the 3 major credit bureaus. I filed disputes with ( XXXX  ) ( XXXX  ) and ( Experian ). 

XXXX  : was very helpful in removing a bankruptcy that was dismissed and had several inaccuracies. 

XX/XX/XXXX: unfortunately never properly investigated this matter and refused to remove it before the 7year suggested period. 

Experian : unfortunately never properly investigated this matter and refused to remove it before the 7year suggested period.
Product: Debt collection

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 usc1681.Self Financial Lead/BA account number CR0000.violateed my rights.15 u.s.c.1681-2 ( 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.