23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX I attended XXXX XXXX School ( XXXX  ) XXXX, PA for an 18 month degree in XXXX XXXX. Later becoming XXXX XXXX College. 
Graduating in XX/XX/XXXX and the school closed in XX/XX/XXXX leaving me with no records and debt that was way more than they agreed to. As well as many empty promises such as employment placement. 

In XX/XX/XXXX I took a SUBSIDIZED CONSOLIDATION LOAN with AES for {$7100.00} as well as a UNSUB CONSOLIDATION LOAN {$10000.00} a $ XXXX loan will cost me {$34000.00} when its all said and done, for a school that no longer exists. 

I was looking to get some sort of relief from these loans, 5 % seems a bit much for a student loan. I have a great credit score, and I find it unreasonable that my rates are so high. 

Any help would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to recent media attention I pulled my credit report and noticed several accounts and inquires that are not mine and that do not belong to me. I would Like these accounts below taken off my credit report immediately I've also filed a police report and FTC report.

Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Balance : {$1300.00} Account Type : Student LOAN Account Name : XXXX XXXX XXXX XXXX Account Balance : {$16000.00} Account Type : Collection Account Name : XXXX XXXX Account Balance : {$59.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX .

Account Balance : {$2100.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX XXXX

Account Balance : {$510.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Balance : {$300.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$250.00} Account Type : Collection Account Name XXXX XXXX XXXX XXXX   Account Balance : {$100.00} These companies have put inquires on my account that I did not authorize.

XXXX XXXXk on or around XX/XX/2017Below these addresses are not associated with me and I have never lived at. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo is foreclosing on my second mortgage when I have repetedly requested copies of payments made agreements made with XXXX and XXXX statements NONE OF WHICH I HAVE YET TO RECEIVE. I am now receiving harrasing letters phone calls from the collection law firm that Wells Fargo has hired to foreclose on my loan
Product: Credit reporting

I am outraged that Trans Union continues to reinsert an account that has been paid in full, closed, with a zero balance. My account with XXXX has previously been reported as having a balance of over {$190000.00}, only to have me report the inaccuracy, followed by Trans Union correcting the record, only to have Trans Union subsequently re-report the account as open with over a {$190000.00} balance, only to have me once again send in documents to prove that it is closed, paid in full, with XXXX balance. I am angry and tired of having to go back and forth. For the last time, I an attaching documents proving that this account is closed, paid in full, with a XXXX balance. The next time Trans Union fails to properly report this account I am filing suit in federal court for the XXXX XXXX of Virginia.
Product: Credit card

I was the victim of identity theft. I notified CitiBank that I was a victim of identity theft and that there were several fraudulent transactions on my account that I did not authorize. On XX/XX/year>, they replied that the merchant furnished them information confirming merchandise was delivered to my home. The merchant provided information for transactions on my account from six months before the fraud and identity theft occurred. I informed them that I never received any merchandise and I did not authorize the fraudulent transaction. There were four other fraudulent transactions from the same vendor that were refunded, however, CitiBank refused to refund this charge for {$25.00}. On XX/XX/year>, they informed me that they closed their investigation. On XX/XX/year>, pursuant to the Fair Credit Reporting Act, I requested copies of business records that are itemized in this complaint. CitiBank never responded to this request. CitiBank also added derogatory information to my credit bureau report for all three credit agencies even though my account was always paid on time. I believe this was a retaliatory act, since it related to the identity theft fraud.
Product: Credit card

For several months now I have noticed on my statement from Synchrony Bank that there is no minimum payment. They increase each months payment to suit them. The card in question is Walmart and I have realized that this bank has many of the day to day cards people use. At the moment I use this card for monthly food but did not expect the monthly payment to increase for doing so. Attachments
Product: Mortgage

My husband got hurt in XX/XX/XXXX we were unable to make payments due to not receiving workers comp in a timely matter. I kept in touch with bank of america home loans the entire time from XX/XX/XXXX to XX/XX/XXXX when they wanted a reinstatement amount to reinstate the loan..which was close to {$15000.00}. and we have made payments on time since XXXX XXXX.. XX/XX/XXXX got a notice that our mortgage would be serviced by XXXX XXXX XXXX. I called XXXX XXXX XXXX and they told me that my loan was still with Bank of America Home Loans.. I called Bank of America Home loans and they ask me three different times did I file bankruptcy I said no.. All of mortgage information was wiped off my XXXX XXXX  XXXX account online.. I did file a complaint with XXXX XXXX XXXX of what I found and they haven't answered back. Our mortgage has been reporting to credit bureaus that our loan closed XX/XX/XXXX and showing a XXXX balance and it shows they had not reported for years on our mortgage and its showing under negative information on our credit reports .. I am sending the credit reports showing it says Bank of america closed ... I filed a complaint with XXXX and told me they would look into it and get back with us.. After filing complaint I got a postcard from BOA Home loans for us to retrieve a message through a message system. the message was we are sorry we forgot to inform you that your loan closed in XX/XX/XXXX. Well the problem is we only modified our loan once. and that was XXXX XXXX..Consumers are only allowed to modifiy their loans once in length of the loan ... but this message and along our credit reports show our loan closed XX/XX/XXXX and have been showing negative since that date with no reporting of us making payments since XX/XX/XXXX on time ... their was no modification done because there had already done a modification ... WE BELIEVE BOA AMERICA HOME LOANS WROTE OFF THE REMAINING INTEREST AT TAX TIME BECAUSE WE WERE UNABLE TO MAKE OUR PAYMENTS FROM XX/XX/XXXX TO XX/XX/XXXX WHEN THEY TOOK A LARGE AMOUNT TO REINSTATE OUR LOAN CLOSE TO {$15000.00} AND WE HAVE BEEN MAKING PAYMENTS ON TIME EVER SINCE. HOW CAN THEY CLOSE OUR LOAN AND REPORT XXXX BALANCE SINCE THAT TIME AND ITS SHOWING NEGATIVE AGAINST US ... THEY ARE STILL COLLECTING FROM US BUT SHOW A CLOSED ACCOUNT WITH A XXXX BALANCE. i FEEL LIKE WE ARE BEING SCAMMED THEY WROTE US OFF AS A BAD DEBT OR THEY COLLECT FROM PMI OR SOMETHING..THEY SENT THE POSTCARD TELLING US THEY FORGOT TO TELL US.. SO IF THATS THE CASE WE WANT OUR MONEY BACK THAT WAS PAID IN XX/XX/XXXX TO PRESENT.. THEY CAN NOT WRITE OFF A LOAN AND STILL COLLECT. ALSO WHEN THEY SENT OUR MORTGAGE THIS XX/XX/XXXX THEY CANCELED CONTRACT.. IF MY LOAN IS STILL WITH BOA WHY IS ALL OUR INFORMATION BEEN ERASED FROM MY BANK OF AMERICA SIGN IN.. SOMETHING IS NOT RIGHT WITH THIS I FEEL LIKE THEY ARE COVERING UP AND STILL COLLECTING MONEY FROM US..HELP FEDERAL TRAD COMMISSION GAVE ME YOUR WEB ADDRESS AND ASK US TO FILE COMPLAINT WITH YOUR COMPANY ...
Product: Credit reporting or other personal consumer reports

XX/XX/year> These Credit Bureaus are not following the FCRA laws. They reporting inaccurate information to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist from Contact Regarding account number : XXXX Dear XXXX XXXX, I am writing to formally request that you cease and desist all communication with me regarding the above-referenced debt, including but not limited to phone calls, letters, emails, or any other form of contact. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

Please be advised that I am requesting you to stop all further attempts to collect this debt, and I ask that you refrain from contacting me again. If you continue to attempt to collect this debt after receiving this notice, I may file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or my states Attorney Generals office.

Please confirm in writing that you have received this request and that you will comply with it. Per Section 623 ( A ) ( 1 ) ( A ) ( B ) you have been notified and you are not allowed to report moving forward. Also per section 15 USC 1681i ( a ) ( 6 ) ( b ) ( iii ) Im also requesting the procedure used to determine the accuracy and completeness of the information that is reporting. If you continue to report this debt you will be in complete violation of the law. I am also requesting that you provide me with written verification of the debt, as required by law, if you have not done so already. 

Thank you for your immediate attention to this matter. 

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

I am writing to file a complaint against the three major credit bureaus ( XXXX, XXXX, and TransUnion ) for their failure to provide me with a history of disputes as requested in a letter dated XX/XX/2023. Despite my request for the information, the credit reporting agencies have refused to provide me with a history of disputes, in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I sent a written request to all three major credit bureaus for a history of disputes, including any investigation results, that I have submitted to the credit reporting agencies in the past 36 months. However, instead of providing me with the requested information, the credit bureaus only sent me a copy of my credit report, which does not contain the requested information. I followed up with the credit bureaus to request the history of disputes again, but they have continued to refuse to provide me with the information. As a result, I believe that they are in violation of the FCRA, which requires credit reporting agencies to provide consumers with a free copy of their credit report and a history of disputes upon request. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action against the three major credit bureaus for their failure to comply with the FCRA. I have attached a copy of my original request for a history of disputes, as well as any other relevant documentation that I have regarding this matter. Thank you for your attention to this matter. Please let me know if you require any additional information or documentation to support this complaint.
Product: Vehicle loan or lease

I received a letter " Notice of Right To Cure '' from XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX through regular mail delivery at my home address mailbox. The letter is dated XXXX XXXX, XXXX, yet I received the notice on XXXX XXXX, XXXX, an obvious gap of six days due to XXXX internal delays and mailing said notice by regular mail delivery not by express, registered, nor certified. 

Subject of the letter Account XXXX. XXXX Retail Installment Contract dated XXXX/XXXX/XXXX, Covering XXXX XXXX XXXX XXXX XXXX XXXX XXXX The letter states " XXXX XXXX, XXXX, is the last day for non-payment of an amount due {$1300.00} to cure the default if I do n't pay by the due date we may exercise our rights under the law. These rights include the right to repossess the Vehicle. If you object to us taking possession of the vehicle, you may notify us in writing, no later than 15 days from the date of this notice ( Which I previously stated in this complaint, I received the letter XXXX XXXX, XXXX, not by registered or certified mail service. ) demanding we proceed in court. '' I responded to this letter in a reasonable and timely manner by mailing my response in a " Certified Letter, '' on XXXX XXXX, XXXX ( within 15 days of me actually receiving the notice ). USPS tracking system verified my letter was delivered to XXXX on the date of XXXX XXXX, XXXX. In the letter, I objected to repossession and demanded XXXX XXXX XXXX proceed in court.I have not received further written communication from XXXX XXXX XXXX since I received the said notice nor since I responded to it in writing. 

On XXXX XXXX, XXXX XXXX violated my right ( 15-day Rule to Respond ) to proceed in court by  repossessing the said Vehicle from my residence. This action by XXXX violates State of Wisconsin Statutes. 

In my opinion, based on the above-outlined experience with XXXX XXXX is a Predatory Lender seeking to rack up as much money from its clients by charging them racketeering high-interest rates when other lenders have refused to offer reasonable finance charges to those with challenging credit histories yet full employment status.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : 1. Account Name : [ XXXX XXXX XXXX XXXX ] Date Listed : [ XXXX XXXX, 2021 ] 2. Account Name : XXXX XXXX XXXX XXXX Date Listed : XXXX XXXX, 2021 Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated 30-day investigation period.

Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Credit card

Macy 's credit card website is designed to confuse its credit holder. I enrolled paperless statement, but the website does n't offer download monthly statement in PDF file. It is extremely difficult to read Macys ' credit card statement in an excel format. I have asked the electronic PDF statement, but no avail. I had to unenroll paperless, and wait for the us mail.
Product: Debt collection

Canceled XXXX subscription. Several months later, XXXX withdrew a monthly payment from my checking account. A call to XXXX resulted in an immediate refund. Several months later, I began receiving letters from debt collectors trying to collect the refunded amount. There is no debt. XXXX confirmed over the phone that there is no debt. However, Enhanced Recovery Company , LLC, XXXX ERC and/or Enhanced Resource Centers continues to claim the debt is valid and verified. Company has yet to provide any proof of validation or verification besides a simple printed output from their computer system. No proof from XXXX was provided, more than likely because it does not exist. This is in addition to sending letters to previous addresses, in and attempt to intimidate and embarrass, although they have receive correspondence and verification of my current address.
Product: Payday loan, title loan, or personal loan

My federal protected rights as a consumer and original creditor has been violated. I mailed written instructions to company to cease and desist on communication on collection of debts or I will take further legal actions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX continues to violate FCRA Laws and UCC LAWS, I am currently in litigation with XXXX XXXX related to acct # XXXX XXXX XXXX XXXX I have retained attorney XXXX XXXX XXXX XXXX. 

We are proceeding with lawsuit pertaining to Full Purchase Refund : Recovery of the total purchase amount due to significant issues such as defects, non-delivery, or failure to meet contractual terms. 

Reimbursement of Out-of-Pocket Expenses : Compensation for any additional costs directly incurred as a result of the issue, including fees, costs, and other expenses. 

Damages for XXXX XXXX : Compensation for the emotional distress and mental suffering caused by this situation. 

Misrepresentation : Claims based on false or misleading information provided by the other party, which induced us to make the purchase.

Fraud : Allegations of intentional deception by the other party for financial or personal gain.

Punitive Damages : Additional compensation aimed at punishing the wrongdoer and deterring similar conduct in the future. 

Any Additional Claims Uncovered During XXXX : This includes any further claims identified during the pre-trial discovery process, where evidence is exchanged and examined. 

In the interim, XXXX XXXX has received several certified mail rescinding the contract, since XXXX, which they have chosen to ignore, the opt out request, from all reporting agencies, along with the Revocation of Power of Attorney, and have placed my account in repossession status. I did not give any consent.

I would like repossession and the all late payments removed, actually the entire XXXX account removed from my report on all three bureaus and any other consumer reporting agency. as I have returned the vehicle XX/XX/XXXX. 

This is completely unfair and ruining my chance as securing another vehicle while litigation occurs. I have never been late on any auto payment with XXXX until the vehicle shut down on me in mid traffic earlier this year. I do not deserve to be unsafe and penalized. Ive stopped payment and made it clear to XXXX, they offered a repurchase agreement and XXXX in monetary relief, ( see attachment ) which Ive declined, and decided to sue for what is lawfully due to me. Its unlawful to penalize me for a lemon, especially when Ive made several efforts through CFPB and XXXX directly through all their channels. 

Its a shame as a secured creditor I am being used and abused and mentally strained above it all. Please make this right!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dispute of Incorrect Balance on Credit Report Dear TransUnion, I am writing to formally dispute an error on my credit report, which I obtained from your agency. My XXXX XXXX XXXX account balances are wrong and need to be updated correctly as well as my credit score. My Current Balance is $ XXXX, Available Balance is {$200.00}. 

I believe this discrepancy is due to lack of proper investigation. 

I'm attaching a Screenshot for proof of documentation. 

I kindly request that you investigate this matter and correct my credit report accordingly. Please inform me of the outcome of your investigation results through email. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

XXXX XXXX, Citibank and XXXX are aggressively pushing Citi AAdvantage cards with XXXX, XXXX or XXXX bonus miles if you sign up and meet a certain spending limit within a rapid time period. They actually hand out the applications forms on flights, there are ads all over airports and there are constant pop-ups on their website. What they DO N'T tell you is that if you 've opened another card in the past 18 months, you are ineligible for the bonus miles. Recently, I opened a card over the phone and the agent ASSURED ME I would get XXXX miles if I spent {$3000.00} in a month. I did it but the miles never appeared. I called multiple times and was told they were looking into it. I finally got a supervisor called XXXX in Kentucky who told me I would not be receiving the miles. This is the height of deceptive advertising. The credit card company has no record of the people in their accounts opening department telling me I would receive the miles ( they say they do not record conversations! ). The company is also enticing people to spend money rapidly on a credit card ( for the miles ) and furthermore they will not simply close the card down and transfer the credit limit to another existing card in a seamless way. Closing the card and losing the credit line adversely impacts your FICO score. Consumer BEWARE.
Product: Credit card or prepaid card

Synchrony bank closed my credit card account without my authorization after I made a payment for over {$1500.00} with them. No one ever told me the account was closed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following accounts from my Experian credit report, as they were recently deleted from my XXXX credit report following a dispute and investigation : XXXX XXXX {$800.00} Account Number XXXX XXXX XXXX Investigation Completion Date : XXXX  Status : Deleted from XXXX report. 

XXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} Account Number XXXX XXXX XXXXXXXX Investigation Completion Date : XXXXXX/XX/year> Status : Deleted from XXXX report. 

Following my dispute with XXXX, these accounts were thoroughly investigated and deemed unverifiable. As a result, XXXX has completely removed these accounts from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I now request that you, as a credit reporting agency, take the same action to ensure the accuracy and integrity of my credit report.

Additionally, I have filed a complaint with the Federal Trade Commission ( FTC ) to document and report these issues further.

Consumer Protections Under the FCRA : FCRA Section 611 ( 15 U.S.C. 1681i ) : Requires that inaccurate or unverifiable information be promptly deleted from a consumers credit file. XXXX has determined these accounts are unverifiable, and as such, I am exercising my right to have them removed from my report with your agency. 
FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Mandates that information suppliers provide only accurate and complete information. If XXXX has deemed the information unverifiable, it is your obligation to follow suit and remove these accounts. 
Required Action : I request confirmation of the removal of these accounts within 30 days or less from the date of receipt of this letter. Failure to comply with this request may leave me no choice but to pursue the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Seek legal recourse as allowed under : FCRA Section 616 ( 15 U.S.C. 1681n ) : Provides for legal remedies in cases of willful non-compliance, allowing consumers to sue for damages.

FCRA Section 617 ( 15 U.S.C. 1681o ) : Permits legal action for negligent non-compliance. 
These accounts deletion by XXXX demonstrates that the information is not only inaccurate but also unverifiable. The burden now lies on you to ensure my credit report is fair, accurate, and compliant with federal laws. 

I appreciate your prompt attention to this matter. Please notify me in writing once these deletions have been completed.