23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attended XXXX XXXX in XXXX, Ca and had private student loans through Genesis Lending Services ( that have now been taken over by XXXX ). I want to verify if my loans should have been a part of the settlement made in XXXX 2015.
Product: Credit reporting or other personal consumer reports

I have a charge off from Santander consumer USA on my credit report that is 5 years old. XXXX in my state for auto loan is 4 years. I was sued by a debt collector and decided to settle and pay a lump sum for this to go away and continue to grow my credit. I reached out to Santander to remove from my credit as it was paid and they told me to contact my debt collector. The debt collector is not reporting on my credit only Santander. They said Santander HAS to be the one to remove this from my credit reports. Santander says they cant as they cant pull up any info on me using my social security number. It appears I do not even have any account with them. I want this off my credit as I paid it with a cashiers check.
Product: Vehicle loan or lease

XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$20000.00} {$20000.00} XXXX XXXX XXXX {$0.00} Paid, closed 12 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$0.00} {$33000.00} Payment Info Status Paid, was a  repossession Updated on XX/XX/XXXX Past due amount - Original loan amount - Monthly payment -
Product: Credit card

Transunion XXXX showed up on my credit card bill several times and NONE WERE AUTHORIZED. My credit card issuer has disputed/refunded what was paid but this scam is apparently very widespread as I viewed the pages and pages of complaints online. You should check into this because if it is a legitimate business, they should be penalized significantly. If it is a scam, with as many illegal transactions as this entity has been involved in, they should be able to be tracked down and prosecuted. Then my credit card issuer notified me that another unauthorized transaction for an escort service was attempted for {$39.00}. So the XXXX must be related. 

Unauthorized transactions on my credit card : XXXX XXXX XXXX TU *TRANSUNION XXXX CA {$19.00} XXXX XXXX XXXX TRANSUNION XXXX XXXX CA {$19.00} XXXX XXXX XXXX XXXX *TRANSUNION XXXX CA {$1.00} XXXX XXXX XXXX XXXX *TRANSUNION XXXX CA {$19.00}
Product: Credit card

Ordered, merchandise, took to long to receive it. Tried to cancel the bank saying the can't help me get the money back
Product: Credit reporting or other personal consumer reports

I wish to file a complaint against Credit Collection Services for their non-response to a dispute letter regarding an incorrect entry on my credit report. Despite settling the account with XXXX XXXX XXXX XXXX, the negative entry persists. 

I sent a dispute letter on XX/XX/2023 ( XXXX XXXX # XXXX, received XX/XX/2023 ), requesting specific documents under the Fair Credit Reporting Act and Nevada 's Uniform Commercial Code. Their failure to respond within the XXXX legal timeframe violates the FCRA. 

I request CFPB intervention to ensure removal of this unverified entry from my credit report, in line with my right to fair and accurate credit reporting.
Product: Credit card or prepaid card

XXXX 'S Minimum Payment Has DOUBLED Although BALANCE HAS DECREASED. 
( I PAY MORE THAN THE MINIMUM REGARDLESS ). 
IT JUST DOESN'T MAKE " CENTS " AS TO WHY?? 
THE MINIMUM PAYMENT HAS BEEN INCREASED? 
( IS THIS THE " KICKBACK '' FOR CASHING IN A " REWARD? ''
Product: Debt collection

Would not identify themselves with phone call at first. Threatened to sue me for illegal activities associated with taking out the loan because my bank account was closed, etc. I filed for ch XXXX bankruptcy and it has been discharged in XX/XX/XXXX. This debt is from XX/XX/XXXX I think & is included in ch XXXX. I phoned my attorney & asked them to send information to this collector to stop the harassment. They are calling me everyday.
Product: Credit card

I paid the credit card in full & closed my account with Comenity Capital Bank XX/XX/year>. I received a notification through XXXX XXXX that I had a charge to that credit card. I immediately called them & tried to pay off the balance & was told the charge was for interest & I could not pay it due to the account being closed. The representative advised me to dispute it through XXXX XXXX or XXXX which I tried numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   DID NOR DISCLOSE THEIR METHOD OF VERIFICATION. DID NOT PROVIDE ME A COPY OF MY WET ORIGINAL SIGNATURE OF THE CONTRACT THEY SHOULD HAVE ON FILE TO CONFIRM THE ACCURACY OF THERE REPORT. THEY WILLFULLY REPORTED NEGATIVE HARMFUL WRONG INFORMATION ON MY REPORT WHICH HAS CAUSED ME NOT TO GET THE LOANS FOR HOUSING IM SEEKING FOR BEING XXXX XXXX   XXXX VETERAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

my account has been used in a attempt to commit fraud I have no known prior knowledge or debt with this company Are you familiar with something called 15 U.S.C SEC 1681 ( A )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, Could you please check on these and get back with me? I saw on a credit site and board where this lawyer said you have 30 days to complete this investigation. Please Investigate the following accounts and remove them if anything is missing or not correct on them
Product: Credit reporting or other personal consumer reports

Equifax is intentionally adding closed credit account and collections to my report there is two company 's reporting the same info the credit card company reporting payment history when the account was sold to a collections company in 2020 I'm being negatively effected due to this issue, I call and can't speak to anyone just voice promts steering me towards online dispute information. This company has ruined my job prospects due to the errors in my report I am exhausted trying to get in contact with them please help
Product: Credit reporting or other personal consumer reports

Dear CFPB, This complaint alleges that the Department of Education ( DOE ) has violated the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in its collection of a student loan debt from me. 

Specifically, the DOE has : Failed to Provide Validation Information : In violation of 12 CFR 1006.34 ( b ) ( 5 ), the DOE did not provide me with the required validation information regarding the debt before placing a collection account on my credit report. This information is crucial for me to verify the debt 's legitimacy and dispute it if necessary.

Denied Opportunity to Dispute : Contrary to 12 CFR 1006.34 ( c ) ( 4 ) ( I ), I was not given a chance to dispute the accuracy of the debt before it was reported to credit bureaus. This right to dispute allows me to ensure the information on my credit report is accurate and protects me from potential errors.

Used False or Misleading Information : The DOE 's actions constitute a violation of 15 USC 1681-S 2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ) by using false, misleading, misrepresentative, and deceptive means to collect the debt. They reported the debt without providing the legally required disclosures.

Disclosed Personal Information Without Proper Notice : The DOE allegedly violated 15 U.S.C. 6802 by disclosing my nonpublic personal information to a credit reporting agency ( CRA ) without providing me with a compliant notice under 15 U.S.C. 6803.

Furnished Report Without Consumer Authorization : Additionally, the DOE 's actions potentially violate 15 USC 1681 ( a ) ( 3 ) by furnishing a consumer report to a CRA without my explicit authorization for a credit or insurance transaction I did not initiate.

Potential FCRA Section 607 ( a ) Violation : The DOE 's interaction with the CRA might also be in violation of 15 USC 1681-B ( f ) by failing to ensure the CRA verifies the purpose for obtaining my report and limiting its use.

These actions by the DOE have resulted in : Damage to my Credit Score : The inaccurate or unverifiable debt has likely negatively impacted my credit score, making it difficult to obtain loans or favorable interest rates.

Unnecessary Stress and XXXX XXXX The DOE 's collection practices have caused me significant stress and XXXX due to the uncertainty surrounding the debt and its potential consequences.
Product: Checking or savings account

Hi, On XX/XX/XXXX, I have opened a Citi XXXX Account package ( with new checking and savings accounts ) by using an online promotion of receiving {$700.00} and met all the criteria of the promotion to deposit {$50000.00} new-to-Citibank funds into the checking or savings account within 3 days of opening the account. I had taken that promotion and opened the account over the phone with a Citibank customer service ( Note- promotion I can see even now ongoing ). Till XX/XX/XXXX I was asked to wait in order to receive the {$700.00} fund credited to my account and I had called 2-3 times on XXXX, XXXX and XXXX and everytime the customer agent confirmed me that I had met all the criteria for the promotion and I should receive the bonus fund. In fact, they always asked me to maintain the fund and not to move my deposit so that I get the promotional credit. Suddenly when I requested to report a case on XX/XX/XXXX, Citibank team came back to me stating that there was never a promotion applied to my Citi account package and I will not be getting any promotional credit. On XX/XX/XXXX, I spoke again with their customer service agent and got the same response. I have maintained that high balance for past 7 months for no reason, so I'm really frustrated now and feeling helpless. So I am requesting for any help or support in this matter if possible. 
Thanks in advance.
Product: Mortgage

Applied for a home equity line of credit. I am XXXX  years of age. I have my assets within a revocable trust. US Bank, after I completed all other steps, would not accept my Trust without explanation and stated I would have to draft another Trust. I am an attorney who drafts Trusts and litigate Trusts disputes in California. My Trust meets the appropriate standards.
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my credit that I did not apply for anything with them and would like for them to be removed from my Equifax account the first XXXX is XXXX XXXX XXXX it was reported on my Equifax account on XX/XX/2023 and the second one is XXXX XXXX XXXX also reported on my account on XX/XX/2023 I would like both of these inquiries removed immediately!
Product: Credit card or prepaid card

{$1000.00} was stolen from my XXXX account and Bank if America is saying that it was not fraudulent. The transaction happened an hour away and I have never been to that county or town. They are not answering their phones even when I call as soon as they open ( XXXX EST ). They hang up on me after one hour of waiting and I never get to speak to a representative. I had an additional {$520.00} stolen as well that I did not bother reporting because of the previous incident. The only reason I'm reporting the {$1000.00} is because Bank of America is saying that it was not fraud and they are charging me for it. I requested all documentation on XXXX, while the {$1000.00} incident occurred two months ago. They are trying to make me the culprit in the situation when I'm the victim to theft and then making me pay for it. So essentially I'm losing an extra {$1000.00} and I am so confused as to why when it wasn't my doing.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX  XXXX XXXX - XX/XX/year> 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

As much I appreciate the deletion of some of the disputed acccounts and information that resulted due to identity theft, I am disappointed to see that there are still items left on my Credit File. I am submitting this CFPB Complaint to request that you remove the remaining accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I was a victim of identity theft and the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Under the Fair Credit reporting Act section 605b, I an requesting the deletion of the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$4400.00}. If you found any documentation claiming that the disputed accounts belong to me, I will have to to ask you to send me copies of such documents. If you are unable to provide such documents, immediate deletion of the disputed accounts and information is to be expected.
Product: Student loan

One of my friends told me about a company, Premier Student Loan Center, that completes your student loan forgiveness documentations for you. I contacted them about their service on XX/XX/2018. I was told that the company was a document preparation company and that is why I had to pay for the service to be done. On XX/XX/2018, I paid the first installment of {$190.00}. I paid the same amount on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. On XX/XX/2018, I was charged an automatic payment of {$190.00}. On XX/XX/XXXX, I was charged {$40.00} for the Income Driven Loan Forgiveness that I was told that I was signed up for. All in all, I have paid {$1100.00} towards my installment for the program and {$40.00} to the program that was supposed to be for my student loans.The red flag that made me question their services was when I checked directly with the XXXX XXXX XXXX XXXX as to why my payments to them were {$0.00} yet I was paying {$40.00} towards my loans. The representative said that the company was most likely a scam and they falsify documents so that my monthly payments are {$0.00} yet I am paying them and making it seem as though it is going towards my loans when it isn't. The representative said I could be penalized individually and possibly receive jail time or not have my loans forgiven period as a result of dealing with this company. They lied about my personal information for lower payments saying that I have 5 children, I am divorced, receiving government assistance, etc. I have no children. I have never been married. I do not receive any form of government assistance. They lied so that my documents would seem as though I could not afford any monthly payments. The paperwork that I signed with them initially stated that they would provide complete and truthful information which was a lie. They also stated that they have a limited money back guarantee being that I can get my money back since the documents were inaccurate. As of today, XX/XX/2018, I am calling my bank so that they revoke authorization of further monthly payments and working to get my money back. I have already applied for the forgiveness program the correct way with accurate information and I am waiting to be contacted by them. I just don't want anyone else to get caught up by this company that is once again called Premier Student Loan Center.
Product: Credit card

In accordance with the Fair Credit Reporting Act COMENITY CAPITAL BANK/ULTAMC XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 any purpose.
Product: Debt collection

Repeated phone calls from different numbers and NEVER leave a voicemail, but whenever I call the numbers back whoever answers doesn't say a company name they just say they're on a recorded line. After looking to see what " debt '' they may be trying to collect I haven't had ANY accounts with companies listed.
Product: Debt collection

BLITT AND GAINES , P.C . sent me a letter sating I owe {$1800.00} and the amount from that creditor is {$1600.00} they are Attempting to charge an amount greater violates the Fair Debt Collection Practices Act ( " FDCPA '' ) and the XXXX Fair Debt Collection Practices Act.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, FL XXXX ) has been reporting on my credit report as a collection notice in the amount of ( {$320.00} ). This collection has been reported as a unpaid balance in collections. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. Collections is not from original creditor. I do not owe Enhanced Recovery Co L ( account # XXXX ) for the amount of {$320.00} I never heard of ( Enhanced Recovery Co L. ) I never did a contract with them.
Product: Vehicle loan or lease

We had fallen on hard times, due to my health issues, tried to work things out but the numbers kept changing drastically and without true explanation other than this is what we have. 
The repossessed the car and sold it and yet we are still paying full price for it again...
Product: Mortgage

Nationstar sent regular monthly letter regarding our monthly interest rate, payment, etc. According to the letter, our interest rate for the following month is staying the same ( XXXX ) however they still raised our principal payment by {$160.00}. How can this be.? The interest rate is the same, our principal balance is being reduced by {$3800.00}, yet they are increasing our payment????? The payment should go down as the principal has gone down. When I called Nationstar to explain the incorrect math, I was told it was based on a calculation that Nationstar made up. It looks like a huge SCAM to me. Mathematically, it is not correct that our principal payment portion would go up {$160.00} when the interest rate has not changed and the principal balance has decreased. I believe Nationstar is scamming me and I would like it investigated. Nationstar can not provide a logical answer. They said they would send my question to their research department, which means, as always, that my question will go into the XXXX Nationstar hole and get buried. In the meantime, they will continue to scam me and all of their mortgage holders. I would like a reasonable answer to this increase. I doubt Nationstar can perovide one because they are scamming me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act to conduct a reasonable investigation of disputed information on my credit report therefore leaving inaccurate and/or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnished, accepting unreliable sources 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 that I provided causing an ongoing harm to my credit standing. I am requesting immediate corrective actions to remove and/or amend the disputed accounts being that Experian inaction violates federal law and my rights as a consumer.
Product: Debt collection

XXXX XXXX I was approved on an individual basis for an American Eagle credit card through GE. According to Regulation Z page XXXX ( under XXXX years of age ) and page XXXX ( under limitations on fees ), I was approved on an improper basis. I was under XXXX at the time, with no income, job, or assets. My ex fiance at the time was also approved for a card on an individual basis in which he was much older than me with his own business, house, mortgage, car payments. He paid for everything minus what little cash I obtained from doing paper work for his business at the time to pay on this credit card with an APR of more than 25 %. I feel that I have paid enough interest and actual payments on this debt to cover the whole {$2800.00}. I was n't actually earning my own income until XXXX. In the meantime I had gone to school and obtained my own job. I now am a XXXX student only able to work 10-15 hours/week, car loan payments through my bank, a personal loan I paid off 2 years ago for an internet scam I was involved in, monthly rent, electrical bills, phone bill, tuition loans I have through my college. Not to mention I am on government food service assistance. This debt that I was more than loyal to for years should be relinquished. There is no way I can afford this amount whether it be in small payments or not. I have paid my share and feel that I was approved for this credit card in error from the beginning, based on my ex fiances assets and credit score. As if being a XXXX student is n't stressful enough, I have been stressing about his debt that is hurting my credit score!