23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My interest rate went up, when I was supposed to have a fixed rate. I pay through automation, so do n't login online hardly ever. The only communication I got was an e-mail to go in and look at my messages. It said a change in the interest rate but no details about up or down, so I had to call. 
When speaking to the rep, they blamed " XXXX bank '' since they bought the loans from them ( 4 years ago ). I also have XXXX loan with XXXX bank, and have no issue with them. If they own these loans, one would think they would be responsible to speak on them. 
I was set up for reduced payment plan, due to needing 1 month of assistance, but have been paying my normal owed the whole time. Due to paying " more than minimum, '' the rep claimed my payment wo n't be going up. I asked how not, if my rate went up a whole 1 %, and then the answer became, " well maybe not too much then. '' " Not too much '' turned into, maybe a couple dollars, then I figured out {$16.00} likely, which is not a couple dollars. I asked for the new minimum so that I could make bill adjustments accordingly and prepare, and they said they could not tell me my new minimum. So they are making it impossible for me to plan at all. 
I am going on maternity leave in a couple of weeks so they suggested I also Forbear ... they told me I have 1 year for the life of the 20 year term to forbear and I used 6 months right out of school, so that would leave me with XXXX days left ( not even 3 full months ). I asked where my other 3 months and 3 days went and they had no answer, and then said I have to wait a couple weeks ( close to my due date ) to set up forbearance for XXXX. 
When I stated that all of this was controversial information and no concrete information was given to me, and it 's not making me confident they are acting legitimate, they told me if I was unhappy, I should find a new lender and consolidate. 
Discover is NEVER there for you, and when I call them for anything, every rep has different information. Nothing is consistent. They make it impossible to save any money, and impossible to confidently pay these things off. I set up automation years ago to save money, and in XXXX I was supposed to hit the term where my interest would go down, therefore payments, because I have consistently worked to pay timely. Now they jack up the interest, so all my hard work toward saving this summer is down the drain. My payment is more than my mortgage, and at this point, I can not put this bill before my child 's healthcare and above my mortgage payment.
Product: Mortgage

On XXXX XXXX, XXXX, I began to pay extra toward the Principal Deferred Balance.  Since then, I have paid a total of {$2000.00} and Wells Fargo has failed to deducted the paid amounts from the Deferred Balance. Or in the alternative, Wells Fargo has also failed to deduct the extra payments from the 'Outstanding Principal Balance '', which would have caused a recalculation of the 'total ' owed and a new monthly payment amount would be less. I have addressed the credit several times and Wells Fargo has refused to credit my account accordingly. In fact, Wells Fargo has not shown to which balance the extra funds have been applied to. Rather, Wells Fargo has shown that making extra payments toward the Deferred Balance is not allowed and yet it refuses to refund my extra payments that I have made. My contract does not forbid me from making extra payments toward the 'Outstanding Principal Balance '. Wells Fargo has accepted by extra payments that were clearly marked " Principal '' and has failed and refused to deduct said amounts from the total balance. Wells Fargo has not applied the extra payments toward any balance and it has not given my account credit, it has not recalculated the total due nor has it recalculated my monthly payment. Instead, it has taken my money and it continues to charge me the same interest rate and amount amounts in spite of the lesser total balance that was caused by the additional payments. On XXXX/XXXX/XXXX, once again, Wells Fargo refused to apply credit for the payments, readjust the balance and give me credit for the interest it charges since XXXX/XXXX/XXXX and in the alternative has refused to refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two days ago I submitted a complaint to all three credit bureaus regarding their failure to raise my score after their investigation and removed inquiries. I further explained that when the fraud inquiries happened my credit scores all dropped over 5 points each but when they were finally removed my score only went up one point. I received confirmation that the CFPB submitted my complaint and just today I was alerted from Credit Karma that my scores all dropped today by 14 points each. I checked and there was no reason for this to happen, there are no new inquiries or any payment errors. The Credit bureaus dropped my scores on purpose as retaliation for my complaints
Product: Credit card

Scammer people I keep make payments they never report it to the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Account showing incorrect balance. No update since XX/XX/2022. Contact institution as a courtesy to update my credit reports. Was told this is only down every 3 months or so for installment loan. I have significantly paid this loan down from {$10000.00} to just over {$5700.00}. Institution told me to file a dispute.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATION/XXXX  # XXXX 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 of 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT NUMBER # 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
Product: Debt collection

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Product: Debt collection

I never paid for this company for anything there are stalking my credit it's not mine I told them To cancel before I don't kno anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am sending my second request to three Credit Bureaus about the information they reported in my credit file that are seems to be an error or a fraud. In regards with this, I am asking for your help to remove those items which are fraud and these items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; 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 ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX .
Product: Credit reporting or other personal consumer reports

Notice to Agent is notice to principal notice to principal is notice to agent. I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. FICO or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( ME ) and the Person ( XXXX XXXX XXXX ) is a violation of 15 USC 1681a the definition of the consumer report does not include XXXX or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned. You have furnished transaction information on the following accounts : XXXX XXXX XXXX XXXX 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Delete the following late payments from my consumer reports : XXXX XXXX XXXX XXXX Thank you in Advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite making this attempts to resolve these issues directly with the credit bureaus and creditors, I have been unsuccessful in removing the following accounts : I have disputed these accounts multiple times with the credit bureaus ( Experian, XXXX, and XXXX ) and have contacted the respective creditors directly. Despite providing supporting documentation and evidence that these entries are inaccurate, my disputes have not resulted in the correct of these accounts from my credit report. The continued presence of these negative accounts on my credit report is causing significant financial harm and affecting my ability to secure credit and improve my financial situation. I believe my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, and I am seeking for your assistance in resolving this matter. These accounts should be promptly correct immediately : XXXX XXXX XXXX XXXX Balance : {$260000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security breach announced in XXXX 2017 and my information including social security number, credit cards, driver 's license etc. was compromised.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

To Whom It May Concern, I am submitting this formal complaint against Aqua Finance regarding their deceptive lending practices and potential violations of consumer protection laws. My husband and I, along with many others, have been misled and financially harmed by their predatory financing schemes. 

In XXXX XXXX, while I was XXXX XXXX  pregnant, my husband and I purchased a water softener system and were offered financing through Aqua Finance. We were explicitly told that the total cost of the system, including financing, would be {$5500.00} plus 17.99 % interest. Based on these terms, we agreed to the financing and signed the paperwork. 

Now, five years later, after faithfully paying {$110.00} per month, we contacted Aqua Finance expecting to have our loan fully paid off. To our shock, we were informed that we still owe $ XXXX amount that is entirely inconsistent with the original loan terms and our payment history. 

We firmly believe that Aqua Finance engaged in deceptive lending practices, including but not limited to : Misrepresenting loan terms : The total cost and interest rate were not accurately disclosed at the time of signing. 

Unclear and misleading contracts : The documentation was presented in a way that obscured the true financial obligation. 

Predatory repayment structures : After paying approximately {$6600.00} over five years, we should not still owe thousands of dollars.

Additionally, a growing number of consumers have reported similar experiences with Aqua Finance, indicating that this is not an isolated incident but a pattern of systemic abuse. Many others have been misled, trapped in cycles of excessive interest, and left with financial burdens far beyond what was initially disclosed.

We respectfully request that the FTC investigate Aqua Finances business practices, lending disclosures, and repayment structures. We also ask for guidance on any legal recourse available to us and other affected consumers. 

We appreciate your prompt attention to this matter and look forward to any updates regarding the investigation. Please let us know if further documentation is needed.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items : 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
Product: Credit card

I called my credit card company on or around XXXX XXXX to inquire why my card had been declined when I tried to use it. The informed me that someone had tried to charge {$5000.00} of electronics in another state. They let me know that they would send a new card in 7 to 10 days. Instead of receiving a card, I received a letter from the credit card company informing me that they had processed an address change. The address was in a city called XXXX, Texas which I was unfamiliar with. I immediately called the credit card company to inform them that I had not moved. They issued me yet another card. In the meantime, I requested that a fraud alert be placed on my credit report. When I received the credit information from XXXX, I noticed that it was mailed from XXXX, Texas which is apparently the site of XXXX headquarters. This leads me to believe that the theft of my card information occurred at XXXX by an employee. Why and who else would have access to my information and have my card sent to an address in the same town just minutes away? I have not yet contacted XXXX.
Product: Checking or savings account

On late XX/XX/XXXX early XX/XX/XXXX I was a victim of debit card fraud. 
Someone illegally used my debit card to make several purchases to company called XXXX. The amounts were {$1200.00}, {$1400.00}, {$1600.00} & {$1500.00}. I immediately reported this to my bank Chase on XX/XX/XXXX at XXXX. 
Chase closed my debit card and said they would investigate. Then on Saturday XX/XX/XXXX chase allowed another transaction in the amount of {$1200.00} to process through my closed debit card. They said oh it was your digital wallet { I still have no idea what a digital wallet is } That charge was refunded a few days later. 
However, after giving them two weeks I contacted Chase XXXX Department again on Friday XX/XX/XXXX at XXXX ; after over an hour of being on the phone with me they said that they could not prove fraud and that I would have to give them proof that I did not make the charges. I have over 25 years of history with chase showing that 99 % of the time I only charge my debit chard {$200.00} or less. The only time the amounts are higher are for plane tickets purchased in XXXX and my daughters tuition. { I always called chase prior so they would know I was charging a higher amount than normal } Chase representative then said here is the company phone number that the charges were made and said I would have to contact them. As of Monday XX/XX/XXXX I have now spoken to the fraud department twice at this XXXX company and for the second time have said they will get back to me in XXXX hours. 
This is an absolute disgrace that I am fighting to get the stolen {$5800.00} from my account and that Chase just brushed this off. In addition I had a {$120.00} alert so chase is supposed to notify me of any transaction over this amount. They failed me on multiple levels.