23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I did not expect the interest rate of the loan to be over 70 %. I have probably paid off my loan but because of the very high rate, my principal is barely moving. They did not tell me this when I open the loan or explained to me in clear detail what I was signing up for. Net Credit is charging way over the usury rates. I'm paying over 70 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer complaint narrative I went to XXXX XXXX XXXX on XX/XX/2018 to purchase a car, After selecting a car to decide about the price he asked me to provide my details and gave the details to him and I told him " I wan na go for lunch and I will be back in 20 minutes and Do not run my credit before make an agreement about the price '' and he told me be sure we do not run your credit, but after I came back in 15 minutes I saw a paper that they run my credit and I got 3 hard enquiries which I have not approved. 
Equifax on XX/XX/2018 by XXXX, XXXX XXXX, XXXX on XX/XX/2018 by XXXX XXXX, XXXX on XX/XX/2018 by XXXX XXXX. I did not buy any thing and i did not get a loan. 
Please do the needful! 
Best Regards,
Product: Debt collection

To whom it may concern, Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me In your response, you have failed to provide such information within 30 business days. According to the FDCPA and HIPAA Collection Laws the requested information above is not a matter of your discretion to provide, you MUST comply with my request. In failing to do so you are in violation of my rights. 
I am demanding a cease of the following account ( s ) 1. Delete account from credit report 2. I request copy of Purchase Agreement if cant be provided delete from credit report y law XXXX Please send confirmation once complete. 
Best Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

i have inquiries from these company, these inquiries not is mine, not recognize. 

XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Request for Investigation and Deletion of Incorrect Charge-Off XXXX XXXX XXXX ( XXXX ) I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness. 2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. According to the IRS, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. This omission could lead to potential risks of tax noncompliance. 3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information. 4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights. 5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information. Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for written confirmation of this deletion. Please note that I am prepared to take further action, including legal recourse, to rectify my credit report and protect my rights.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as not sending consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as not sending consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

I have a hard inquiry on my credit report from consumer porfolio services. I never authorized this company to run a credit check or report. I spoke with a dispute representative and he wanted to verify my social security number and full name. I let him know I was not comfortable giving my social security number as credit reports and social security number have a fraud alert on them and I never applied for or authorized anyone apply for their services. I asked why he could not verify my information with out my social security number. Representative said he can only verify me and verify company that did submit the application by by name and social security number. I did give this information so I coyld find out where this application came from consumer portfolio services said they received again with my authorization. I was given the name of an auto dealership that I had not been to nor have I spoken with anyone at this dealership. I did let Representative know i did not ever authorize tgis dealership to run my credit report and told him that this dealership did call me and leave a voice message several days ago but i never spoke with them and did not consent an application be sent to any lenders. Representative said that I needed to contact dealership and ask them to send a letter of deletion to Consumer portfolio services stating I did not apply at there company. I asked why I had to do this and why after identifying myself and stating to him I never authorized Consumer portfolio services or the dealership to run my credit report for an auto loan and ask for this to be removed and reported to credit bureaus that I did not authorize this. Representative said they need proof from dealership? I expalined that I am the party that is reporting to your company I never authorized this and ask for this to be removed immediately. Representative refused to note this and report back to credit bureaus this information I I stated to him. He said it doesn't matter if I tell him I did not authorize he would need a letter stating this from this dealership. This is fraud and I as the person reporting this to Consumer portfolio services who made a hard inquiry on my credit report without my consent. This is illegal as my rights as a consumer I should not have to do anything thing else other then reporting this information to Consumer portfolio services who did not have consent. I was advised by credit bureaus to report this to the company who made the hard inquiry and they need to remove this as it is considered fraud as consumer portfolio services did not have my consent. Credit bureau did say if I feel this is fraud after speaking with this company to contact them today and file a fraudulently inquiry. Credit bureau said that I only would need to contact consumer portfolio services and report I did not consent and consumer portfolio services would have a legal obligation to remove this from my report. I will send a certified letter stating the facts to Consumer portfolio services as well as credit bureaus and if this is not resolved immediately I will contact my attorney to take legal action.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint about an inaccurately reported late payment by JPMCB Auto. This payment was made on time, yet it is being falsely reported as late, unfairly damaging my credit score and creating unnecessary stress.
Product: Credit card

I have a Venture XXXX card from Capital One. My rewards are unusable since there is a system glitch with authentication regarding my phone number. 

Its a known system issue that plagues many but they are not transparent nor proactive in fixing the errors. Some users must wait a month for functionality to return but given no reason or resolution I can not afford to wait a month with no explanation
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

Inaccurate Information : XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered an accounts that are not mine and is the result of identity theft. These fraudulent accounts have already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. 

I have contacted the bank associated with these accounts via phone call, and they have confirmed that the accounts was fraudulent and have removed it from their records. Despite submitting the required FTC report, the accounts continues to appear on my credit report with your bureau. 

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

Knight Adjustment # XXXX is reporting a debt I do not owe. This debt was for an XXXX Machine which was returned shortly after I acquired it. This debt is also past the statute of limitations and it should not be owed.
Product: Student loan

I graduated from XXXX XXXX  in XXXX with approximately {$92000.00} in Federal Loans   with a combination of unsubsidized and subsidized loans. I consolidated them into one loan with a very low interest rate ( approximately 3.00 % ). AES-PHEAA was my servicer, but then XXXX appeared on my documents. Prior to that it was the XXXX XXXX XXXX XXXX ( XXXX ) I believe. During that time, filed for bankruptcy and then after it was discharged, I had a medical issue and was unable to work and was receiving XXXX from a XXXX insurance policy that I bought previously ( which only lasted 2 years ). To avoid default or late payments, I filed forbearances, deferrals, and the hardship exception ( once after calling them back and telling them that I qualified for it because I did not realize I did and went on forbearance ). Over the course of those years, I was never offered the Income Driven Repayment Plan for a possible $ XXXX  monthly payment not even during the bankruptcy. I am not sure if interest was charged over the 5-year chapter XXXX bankruptcy ( converted to Ch. XXXX XX/XX/XXXX ; discharged XX/XX/XXXX ). ( I had no income and needed the XXXX money to pay for medical insurance and living expenses ).  Over the course of approximately 7 years, {$50000.00} in interest was added to my school loans. I now owe {$140000.00} even though I graduated with {$92000.00} in loans. It seems crazy to be charged half of what I owed in interest for 7 years at a 3 % rate while trying to recover medically and returning to the work force. I am currently with FedLoan Servicing, have consolidated Direct Loans, and I am working toward the Public Service Loan Forgiveness ( PSLF ) Exception to try to have some of this interest forgiven. However, I have 7 years to go before forgiveness is an option. I am a XXXX XXXX XXXX working in a low income XXXX XXXX  which qualifies for PSLF. My payments just went from $ XXXX/mo to $ XXXX/mo because of my salary. I don't believe that I owe an additional {$50000.00} in interest. I need someone to review these accounts to see if there were any deceptive practices or other causes of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion nd XXXX  are fraudulent on my following accounts XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX  XXXX fraudulent on my credit Account # XXXX XXXX, XXXX fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to retrieve my credit report from any of the agencies, whether 0nline or telephone. Impossible after numerous tries. 
When I ask for a password I am denied. When other verification & security questions arise, I am told that I have failed the verification. 
I seem to be locked out of all of my accounts. Also there seems to be a permanent freeze on these accounts.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX **** Balance Owed : {$230.00} XXXX XXXX **** Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$19000.00}
Product: Credit card

Received a letter today from Home Depot in reference to my credit card which I am in good standing with and have been for many years.

The letter states that, " We've noticed that you have not used your credit card in 10 months and our policy is to reduce credit limits that are 12 months inactive ''.

The letter " threatens '' to reduce my credit limit of {$10000.00} to {$5000.00} if I don't, " Simply make any purchase using your The Home Depot Consumer Credit Card by XXXX ''. 

I currently owe nothing on that credit card as I have made a concentrated effort to relieve myself of debt. I simply use it as needed on My own accord. 

A credit reduction would surely negatively affect my Credit Score, that's the way it works.

This is, by definition is, EXTORTION!! 

How is this allowed to happen? Americans are " drowning '' in debt and this kind of action should never be allowed. SHAME ON THEM!
Product: Mortgage

XXXX This is the follow up concerning the above opened case. I was called aXXXX XXXX XXXX by XXXX of Wells Fargo mortgage saying that she came on behalf of XXXX XXXX to see with me what we can do as we have to close next Tuesday. She asked me if I would to close on Tuesday XX/XX/XXXX or i want to report i confirmed Tuesday XX/XX/XXXX. She said I need to complete XXXX documents she will forward ibsaid I am waiting for that because we need to close on Tuesday. Few minutes later I checked my emails she didn't send it called her back and she promised to send in XXXX min XXXX later I called her back stating I didn't receive yet. She promised again. After XXXX hours we received her emails my wife and I without the attached documents... later she would apologize about that and said ... see the attached shot screenshot. 
The problem is they waste time maybe because the rate lock will expire on XX/XX/XXXX and they will increase everything. That's not fair. Finally she said we will wait for XXXX XXXX to return on Monday. The question is : why she called me today? And why she didn't send the attached documents for us to fill out and send her back in order to closes next Tuesday? I think she doesn't have anything anymore to ask me as we already submitted everything they asked at least XXXX times. She told about the contract again and XXXX... it's too much
Product: Student loan

When I applied for student loans I was going to school for a art degree in graphic design. It was a struggle getting in contact with my financial aid counselor and information was not clearly explained about how this loan would affect me pursuing a degree that pays a college grad starting out XXXX - XXXX a year. Signing up for federal and private loans is the worst thing I have ever done. Ive been in forbearance for two years and I have no idea how Im ever going to pay my loans back. I pray every day that they are forgiven. Between the cost of living and the amount Im scheduled to pay ( at one point the amount owed was XXXX ) while working it seems impossible. In XXXX of 2019 I had XXXX in unpaid principal and XXXX. Please make it make sense.
Product: Credit reporting or other personal consumer reports

ID Theft Insurance - XXXX XXXX XXXX XXXX Transunion : Unauthorized Use of Credit Information-Resulting from Identity Theft due to an illegally issued false Evivtion while in Hospital with Theft of Property and all personal belongings : Debit Cards Bank Statements Credit Cards Cash Funds Checks Money Order Receipts Billing Statements Laptops And All Personal Documents and Belongings XXXX XXXX XXXX XXXX- Caused Damages and Undue Hardship XXXX to Current. 
ID Theft Victim : XXXX XXXX XXXX Monetary Reconciliation Requested. 
Reimbursements Refunds and Claim Disbursements via Mailed Check to Consumer. 

XXXX XXXX XXXX XXXX Collection Account : XXXX {$15000.00} ID Theft Restoration and Account Balances and Funds Recovery XXXX Credit Report : Inaccurate Reporting of Information Debt Collection Removal : XXXX XXXX XXXX  {$440.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$350.00} XXXX XXXX {$12000.00} Reimbursements Credits and Fee Reversals Corporate Account Check Disbursement for Unauthorized Account Payments -Issue Credits and Refunds : XXXX  Balance {$440.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$12000.00} - Disputed Amounts XXXX ( {$0.00} ) Balances Owed. 

Refund for Outstanding Debts and Payments Drafted from Accounts. 

Refunds for Charges Deducted for Bank Account Requested due to ID Theft while Hospitalized. 

Balance XXXX : {$0.00} Delete from Credit Files XXXX 
Discharge Balances. 
Refund Premiums Deducted from Bank XXXX. 

XXXX : Debts not owed -XXXX XXXX XXXX and Account Record for Deletion Total Installment {$28.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$2200.00} XXXX Report XXXX XXXX XXXX 2024 Identity Theft Reported Inaccuracies : XXXX XXXX XXXX {$2200.00} XXXX XXXX {$130.00} Credit XXXX Bank XXXX XXXX {$350.00} Sterling Point XXXX Apartments {$2900.00} XXXX XXXX XXXX XXXX {$12000.00} Transunion Credit Report : Credit Collection - {$2200.00} XXXX XXXX - {$130.00} XXXX XXXX XXXX. {$350.00} XXXX {$12000.00} Transunion ID Theft Disputed XXXX XXXX Collection Accounts : XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$12000.00}
Product: Debt collection

I have advised this company that this debt is not owed, however, they have place this on my credit report for the second time. I have shown proof of such, which was ignored. Due to the fact that the dates are incorrect as well as the balance on my credit report my next step will be to file suit.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. 

I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 
I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.