23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit and reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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: Student loan

I am in my final year as a XXXX student full-time enrolled while also completing an internship ( school requirements ) in which I am making $ XXXX/hour. My XXXX private student loan that I obtained during my final year of XXXX serviced by AES informed me that I am due to make full payments starting in XX/XX/2020. However I do not complete my program until XX/XX/XXXX. I submitted a deferment form and AES denied it saying that I have used up all my deferment period. They have billed me {$580.00} per month and that is beyond my paycheck. I requested a forbearance, they stated that I am not qualified for that. At this time, they are threatening to report my late payment to the credit bureaus and I am unable to make this payment as my paycheck does not support at this time. Im a full-time student and I can not afford to pay approximately {$600.00} a month in student loan payments. I reached out to my school to assist me and they informed me that they are unable to. I would like to know what my options are.
Product: Credit reporting, credit repair services, or other personal consumer reports

" To whom it may concern '' As a consumer I should not feel the way I do! Terrible, Appalled, and Disgusted! It doesn't seem fair at all that the 3 bureaus ( XXXX  ) ( Equifax ) ( XXXX  ) continually go against laws that Congress has put in place for the consumer! My children my wife and myself should not be made to suffer for the bureaus lawlessness! I'm coming to you because of who you are, THE CONSUMER FINANCIAL PROTECTION BUREAU. The ones who help consumers by making rules more effective and enforcing laws so consumers can take control over there economic lives!

According to 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Accuracy And Fairness Of Credit Reporting. Even if we just look at # 4 There in complete violation of my right to privacy! I've been over looking this for far to long and I'm sick and tired of it! Furthermore under 15 USC 1681b Permissible Purposes of consumer reports, I never gave them any written consent to report anything on my consumer report. I've called these bureaus numbers of times XX/XX/2021 even way before this date, written letters as well! It's always the same lie as if they can validate a debt. I am the consumer they can not validate a debt, to validate a debt is to access an action. I'm the only one who can validate a debt and any debt on my report is not mine! It's not true! According to 15 USC 1692a ( 3 ) I do not owe any debt and I am not obligated to pay any debt!!! Furthermore, Constitution Article 1 Section 10.

Another lie they told was they did an investigative report before. Well according to 15 USC 1681a ( E ) they have to do interviews with my neighbors, friends or associates. They never provided any information associated with me the consumer! I told the 3 bureaus that Medical Information is not supposed to be furnished on my report there a HIPAA Violation of the Fair Credit Reporting Act. And yet they still stand! XXXX XXXX has some for {$290.00} others are {$240.00} {$280.00}. XXXX has one for {$910.00}. XXXX has one for {$7300.00}. Again I've called written letters e.c.t. I want all these derogatory marks removed from my credit report at once. Thank you for your help. I am greatly appreciative!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover credit card company lowers my credit score so that I can sign up for IDENTITY THEFT PROTECTION, or CREDIT SCORE MONITORING. 
My credit score used to be 830 to 850 and now is only XXXX. Today I checked XXXX XXXX and my credit score is XXXX. 
I called Discover and they lied about me being with no debt and that was the only reason. 
What a joke! I have no debt, no late payment, and paid my balance in full before the due date, they lower my credit score just  because I have no DEBT. 
I told Discover that I will file a complaint to CFPB and they told me to go ahead. 
Please help! 
Thank you so much for taking the time!
Product: Debt collection

On XX/XX/2022 I was taken to the emergency room from my employer XXXX XXXX XXXX, the emergency room my then health insurance coverage was XXXX XXXX. Because it was a emergency XXXX XXXX paid for the billed received from XXXX  XXXX XXXX, XXXX. However the physician portion was billed incorrectly, they billed Medicaid which was not my insurance carrier. I have repeatedly attempted to get this resolved with countless calls to XXXX XXXXXXXX, and they refer me to different billing entities XXXX, called this number and they referred to XXXX which then referred to XXXX I have been disconnected, hung up on and treated extremely rude by all that I have reached out too. 

My final attempt was today to all the above numbers and XXXX when I asked to speak to a manager or supervisor and was transferred to XXXX who was extremely rude and condescending. I explained thoroughly the billing error to which he stated I could not tell him what needed to be done. Refuse to confirm with me my XXXX XXXX member number to make certain that they had the correct information so that they could bill and collect on the outstanding, he stated that they are a collection agency and collect not bill, XXXX XXXX washes their hands and says the agency has to be the one to bill. Bottom line XXXX XXXX  has in likelihood written this off and given it to the collection agency to collect cents on dollar, I will not and emphasize will not allow my credit to be harmed over inefficient billing by the hospital.
Product: Student loan

I am writing to complain about Navients educational loan unfair tactics used to keep their payees in perpetual debt. I understand there is a class action complaint in process. I would like to learn what I can do about my situation and be included in the class action process as well. 

Some background, in XXXX, my two education loans were consolidated under Sallie Mae at a six percent interest rate and eventually managed by Navient. The original principle amount was ( {$51000.00} ). Over the past twenty years, payments were made totaling {$63000.00}. As of today, XXXX XXXX, my balance is {$40000.00}. Meaning, after making over 160 monthly payments over the past sixteen years of {$63000.00}, the principle on my loans has only reduced by {$10000.00}. Ridiculous!! 

Part of the reasoning that the principle does not decrease very much is most of the monthly payment goes towards the interest. Also, additional interest has been capitalized on top of the balance due to a few periods of time when loan was on deferment or forbearance. There were times I simply did not earn enough money to pay rent, bills, and student loan payments and I fell into a vicious cycle. Sallie Mae or Navient never gave me an option that worked with my income/debt ratio that was realistic. I had to go bankrupt in XXXX due to having too much debt and not enough income. That only resulted in credit card debt being excused, not education loans. 

Over the past few years I have been able to make inflated payments due to increased income. Only then was I able to reduce the principle a little. My efforts should have gone further than a few thousand dollars towards principle. The interest structure on these loans is what is preventing the borrowers from getting to payoff. 

Currently, I am unemployed and afraid of not being able to keep up with the momentum of payoff. I fear that will result in more interest being capitalized and the balance increasing again. 

As it stands today, I will need to make a monthly payment of at least {$460.00} until I am XXXX years old. So, I will have to hold off on retirement or win the lottery or something to get this debt off my back. It wouldnt be so bad if my payments went towards the principle. I honestly think the finance companies should not make the huge profits off of educational loan debt that our system allows for them to. 

I am anxiously waiting to see what President Biden and Congress will pass for our indebted education loan borrowers in perpetual payback, if anything. So far nothing in the works seems to pertain to my situation. 

I am asking for guidance from the CFPB. Can you guide me towards a resolution or direct me towards the current efforts that may improve my situation. Anything would be appreciated. 

I have attached files showing loan history and balance information and a transaction payment list for the life of the loan with Navient.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XX/XX/year> hard inquire from an pre approved card I never received XXXXXXXX XXXX XXXXXX/XX/year> hard inquire XXXXXXXX XXXX XXXX XXXXXX/XX/year> hard inquire from an pre approved card I never received
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX XXXX XXXXXXXX XXXX Disputed Information : Balance : {$3600.00} ( unverified ). 
Account Status : Open ( requires validation ). 
Account Type : Derogatory. 
Remarks : " Account information disputed by consumer, meets FCRA requirements '' investigation required. 
Original Creditor : XXXX XXXX XXXX requires verification of debt transfer and assignment. 
Dispute Codes XXXX : Not mine. 
XXXX : Claims inaccurate information account balance. 
XXXX : Claims inaccurate information account status. 
XXXX : Consumer states inaccurate information. 
XXXX : Disputes other information. 
Compliance Condition Code : XXXX : Consumer disputes ; investigation in progress. 

Reason for Dispute The reporting of this account contains inaccuracies and unverifiable information, which I dispute as follows : The balance of {$3600.00} requires validation. I request detailed documentation of the debt, including : Itemized breakdown of the balance. 
Proof of debt ownership by XXXX XXXX XXXX XXXX 
The account status is listed as " Open '' and " Derogatory, '' which is inconsistent with my understanding of the account. 

The remarks indicate that the account " meets FCRA requirements, '' but no supporting evidence has been provided. 

The original creditor is listed as " XXXXXXXX XXXX XXXX, '' but no documentation of the transfer of ownership or assignment to XXXXXXXX XXXX XXXXXXXX XXXX has been provided. 

Requested Actions Validate the debt and provide supporting documentation, including : Original contract with XXXXXXXX XXXX XXXX 
Proof of assignment or sale to XXXXXXXX XXXX XXXXXXXX XXXX. 
Complete payment history and breakdown of charges. 
If the debt can not be verified, remove this account from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Correct any inaccuracies in the reporting, including account balance, status, and remarks.
Product: Credit card or prepaid card

Good afternoon, I have a credit card from American Express and today I received an email from them stating that they have lowered my credit limit from {$18000.00} to {$7000.00} effective today. I currently have a balance of approximately {$6800.00} dollars. The only reason I put that amount of money on this card was because they had extended this {$18000.00} line of credit to me and I decided to use more than I usually do even though I know they will charge me interest ( these past months I have had to incur in more expenses than normal ). I am however paying off the card off in the following XXXX months ( as was my original plan ). However they informed of this credit limit decrease today without prior warning. Had I known that they would do that I would have never, ever opened a card with them. I opened this card in XX/XX/XXXX and I have never missed a single payment on the card and until recently I had always paid the full amount ( in the past few months however I have been making minimum payments to this card so I could take of other necessities ). Not only did they lower my credit limit which will affect my utilization rating and subsequently lower my XXXX XXXX, which will in turn increase my cost of borrowing should the need arise. Also what happens if with the interest they charge me, my balance goes above the credit limit? I would have to pay additional fees that would not have been charged had my credit limit been unadjusted. Not only that but when I call the customer service line to discuss what happened, they tell me that they had a solution for me which was for me to make a payment of 50 % of what I owed before early XXXX of this year, they would restore my credit to {$18000.00}. 

I truly feel that tactics like these should be illegal ( not to mention just horrible business practices because I will be closing my account as soon as I have finished paying off the balance ). How can a company tell me I have a credit limit of X and then all of a sudden lower that limit to Y without any prior warning whatsoever? What's the point of giving me {$18000.00} credit if in reality as soon as I reach less than half of it they will lower my XXXX XXXX and put me in a precarious position which would plunge me into even more debt should I not bow down to their demands. I can not believe that what they did is legal.
Product: Vehicle loan or lease

I took out a loan with the Bank of America to purchase a new vehicle in XXXX. The loan was for15 years. In XXXX during the recession I received a 90 day extension. Unbeknownst to me I was charged {$7.00} per day interest for the 90 days but they added it daily for an additional 12 years till the end of the loan adding {$1400.00} of interest after I thought I paid the loan off in XX/XX/XXXX. I paid this loan off over 15 years of on time payments. Never on any statement showed I owed this additional interest. The bank of america has never sent anything in writing nor can produce any eveidence that they told me about this interest, In fact no one from BOA can go back to the original loan docs or evidence this additional interest charged. This is a scam and has created a financial hardship. I can not receive the title until I pay this extortion fee fee of {$1400.00}. Please help me. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

RE : Capitalone bank N.A. case no. # XXXX This is to inform you that Capitalone bank has removed the double charge by XXXX on my credit card. Thanks to CFPB. However, they still have not credited my account over {$800.00} that I have already made on the account balance of {$1600.00} to pay down the debt. I contacted Capital one bank and they said my $ XXXX payments will be credited to my account when the case is closed. Unfortunately however, Capital one bank have sent me a wrong billing statement due XX/XX/22 based on {$1600.00} instead of about $ XXXX balance that I am actually owing. ( statements enclosed ). 
I am appealing to CFPB to mandate capital one bank to credit my account the monies I have already paid on my credit card & stop charging me high interest rate based on wrong account balance. 
I am thanking CFPB in advance for assistance in resolving this very important matter. 

Yours Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently found out I have been a victim of identity theft, someone stole and fraudulently used my information to open accounts without my permission and knowledge. The following accounts are sed accounts opened under a fraudulent application. 
On XXXX : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX US BANKRUPTCY COURT Opened XX/XX/XXXX On Equifax : XXXX Opened XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX On XXXX : XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX U.S. BANKRUPTCY COURT Opened XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance {$370.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I tried to have a freeze lifted on my credit report with Experian. When I tried to log on it would not allow me to and told me to contact Experian by phone. When I contacted Experian by phone I was told someone else had created an Experian account with my social security number. Despite answering all the questions to authenticate my account, I was advised I needed to fax or mail to a po box a copy of my social security card, my driver 's license, and a piece of mail showing my full name. There was no option to securely and quickly provide these documents to Experian other than by antiquated means. 

Meanwhile, this fraudulent account remains active with Experian and this other unknown person has access to my information through this account. I am not having this issue with XXXX or XXXX. I am concerned that Experian is not taking appropriate, immediate action to suspend that other account placing my confidential financial information at risk. Experian has allowed someone to create a fraudulent account and is not taking immediate action to correct it. I have spent over two hours on the phone with Experian with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine and needs to be removed asap someone was using my information. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This account is fraudulent is placed on my credit report. With out my permission. I am a victim of identity theft. ( " According to FCRA Section items saying " Potentially : 605B it is illegal to report anything on my credit negative report without my XXXX. For the reason select permission. 
Please remove this negative " Other Reason '' item. Thank you '' ) attached FTC report also a copy of the law 605 B
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. 
Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

With the recent CFPB complaint exposing serious problems with the platform, I am writing to formally voice my concerns about Zelle 's dispute resolution practices. Both Zelle and my financial institution did not sufficiently look into my claims, even though I used Zelle multiple times and reported inconsistencies. They told me it was not possible to track these transactions and that there was no way to reclaim lost money. In addition to failing to safeguard customers, Zelle has let repeat offenders to take advantage of the system, leaving users open to deception, according to the CFPB 's findings. Consumer safety is seriously threatened by this intolerable lack of transparency and accountability.
Product: Debt collection

I am disputing a debt that Harris & Harris is attempting to collect because they have failed to provide debt validation as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

In XX/XX/year>, I sent a debt validation request via certified mail to Harris & Harris, requesting proof that I owe this debt to XXXX XXXX. Under FDCPA law, they are required to provide verification of the debt before continuing collection efforts. However, they have not responded to my request, but they continue to send collection notices in violation of the FDCPA. 

Since Harris & Harris has failed to validate the debt, they should not be reporting it to the credit bureaus or attempting further collection efforts. Their continued collection attempts without proper validation violate federal consumer protection laws. 

I am requesting that : Harris & Harris cease all collection efforts until they provide the legally required validation of the debt. 
The debt be removed from my credit report as it remains unverified. 
CFPB investigates Harris & Harris for violating FDCPA laws by continuing collection efforts without verification.
Product: Debt collection

I have requested under FCRA 611a5A verification of this debt owed, furthermore, I have the right to dispute inaccurate information. I assets that I have never given XXXX consent to furnish or obtain my information. Therefore any reporting by XXXX is done without my consent and is in a violations of my rights under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I paid the late payments {$600.00} and they put charge off in my credit report that's not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ Fortiva Credit Card ] : Thank you for making your XXXX payment to Fortiva Credit Card. Your payment confirmation code is : XXXX Payments received on weekends, holidays or after XXXX ET will be applied the next business day. 

Your payment will be drafted and posted on XX/XX/2022. I paid this bill they told me they would fix it i told them. that i had all the information now i am getting charge late fees and they will not fix it, I have been paying them on line and never had a problem till now please help me here I do not know what else to do
Product: Debt collection

I have repeatedly tried to explain to this agency that this debt does not belong to me. They refuse to remove. They have said the debt was validated however 1 ) they never could show an original contract where I signed or an agreement with me.
Product: Student loan

I was issued student loans by Navient and did not have a parent to cosign. I instead used my grandparents, who are both unemployed. As a result, I was offered loans of XXXX %, XXXX % and XXXX %, which total {$600.00} a month in private loan payments. I was told today that I no longer qualify for XXXX on my Federal loans and I will need to pay {$290.00} a month. That brings my grand total to {$890.00} a month. I was not told that I was no longer qualified for the program, instead I had to call to find that out. The representative told me that I had to go into my inbox on the website and click " previous website '' to find that information. This is deceptive because the name of that link does not indicate you would find important documents within it. The " messages '' feature which is big and bold on the front page does not contain any pertinent information. I was told that I could put my loan into forbearance, thus racking up even more interest ( which I did in XX/XX/2016, as well as several times in the past ). This company is hindering my ability to live comfortably, start a family and buy a house. I have made every XXXX of these ludicrous payments, despite not being offered any help on how to make these loans more manageable. I believe the initial private lending practice was predatory and the federal loan process is not offering me a reasonable payment.