23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I thank you XXXX XXXX for the XXXX dollar check but the truth be told XXXX isnt close to the amount of money I am out in this ordeal. I have waited a long time for this refund of losses. And I thought this wasnt going to prove this difficult. I waited until the date you all asked for in court and 10 months more and have a fraction of the money I feel is rightly owed to me and I would still ask you to please look at this again and please be fair with the refund. I thank you for what you have sent already but I would still want outside mitigation at this time even with the XXXX extra. I understand the economy is poor right know but I have been waiting 15 years for this. 
Please Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In acordance with the fair credit reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OR 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 state a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, personal loan, or advance loan

I was told that my insurance would not cover a dental procedure and pressured to take on a loan the dentist is involved with. The monthly installment payments were not disclosed to me to be {$150.00} per month. When asking the company to provide signed documentation of the installments amount when their establishment refused to lower the payments they stated that they do not keep that type of information on record. I continue to pay what I can afford XXXX dollars per month. This company calls my phone several times a day usually 2-3 times at a time. They first call displaying their identity 2 times then block their identity coming in as unknown beginning as early as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Equifax and XXXX several times that the XXXX XXXX XXXX and Consumer Adjustment accounts that they are reporting in my credit history, do not belong to me. Notifications to Equifax and XXXX were sent XX/XX/2023, XX/XX/2023 and XX/XX/2023 via certified mail. I have not in any way received goods or services from these companies and I have provided my FTC Report, Identity theft Affidavit signed with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all Equifax and XXXX. I have requested the original contracts from the original creditors, XXXX and Equifax bearing my wet ink signature in which up to now, I have not received, and it has been more than 60 days since I requested this information.
Product: Credit reporting or other personal consumer reports

I was really upset to find unauthorized inquiries on my credit report this morning without any clear reason. I regularly review my report, and this is the first time Ive encountered this type of issue. Even after refreshing the browser multiple times to check if it was an error, the unauthorized inquiries remained. This entire situation is extremely frustrating, and I am asking for the documents I sent to be reviewed carefully to prevent this from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for mortgage refinance with XXXX XXXX XXXX and the banker ( XXXX XXXX ) told me that XXXX score was XXXX ( lower than the other 2 credit bureaus ) and that the SS number didn't match and the employee listed was XXXX yrs old. The end of XXXX I submitted a dispute to XXXX asking them to recheck the XXXX XXXX accounts listed as still owed. These accounts were submitted to a collection bureau and all XXXX accounts have been paid off for more than 2 years. XXXX replied that the Info was correct and in the process of reporting it, all 3 credit bureaus interpreted the reply as new debts sending my scores to the pits. I lost the refi as a result. 
XX/XX/20 XXXX XXXX Equifax XXXX XXXX XXXX XX/XX/20 XXXX XXXX Equifax XXXX ( & XX/XX/20 XXXX ) XXXX XXXX There were no changes to my credit activity except the inquiry. Each of the 3 bureaus reports reflect good history. I reached out to all 3 credit bureaus and they stated they could not do anything. How can I get this fixed without my scores getting another hit.
Product: Student loan

Dear CFPB, I am writing to file a complaint against MOHELA regarding their refusal to provide me with affordable payment options for my student loans. Despite my repeated requests and explanations of my financial situation, MOHELA has not offered any viable solutions. They have also ignored my request to release my deceased cosigner from my student loan. My cosigner passed away, and despite providing the necessary documentation, MOHELA has not allowed me to remove her from the loan. 

Details of the Complaint : Loan Servicer : MOHELA Issue : Lack of affordable payment options Attempts to Resolve : I have contacted MOHELA multiple times to request affordable payment options, but they have not provided any solutions. 
This situation is causing me significant financial stress, and I am unable to manage my loan payments under the current terms. I kindly request the CFPBs assistance in resolving this matter and ensuring that MOHELA offers me affordable payment options. 

Thank you for your attention to this matter. 

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

Experian, XXXX, and XXXX- I demand you to comply. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 

The items in the mailed letters attached should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply. 

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Debt collection

I sent a debt validation letter to COMMONWEALTH FINANCE, they failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 

I have also completely paid my medical bill with the XXXX XXXX XXXX, I have nonidea who COMMONWEALTH FINANCE is and what they are trying to collect from me, i do not have a contract with.
Product: Checking or savings account

XXXX XXXX XXXXXXXX XXXX {$8.00} ommitted, missing -- - CITIBANK account after purchasing gas XXXX XXXX  for {$25.00} XXXXXXXX XXXX XXXX  Other complaints have been made for theft @ CITIBANK XXXX XXXX XXXX  Only one customer service representative to address account.

They were cleansing -- a coffee scent They have the tellers completing IRA paperwork Could not find paperwork Mash potatoes and gravy XXXX XXXX XXXX XXXX XXXX XXXX, the teller, will ask the clerk at the desk for the paperwork and they could not find the sheets or forms and did not know the codes to access the computer. 
XXXX was trying to put her son in my XXXX to cleanse him. 
Stated we clean with your soul. 

The clerk at the desk discriminated based on hair texture and will then state you are here just for cleansing we are the ones stealing your money from the account. 

A XXXX could be heard on a loudspeaker stating to 'us you were not a XXXX ' that is why we treated you this way. 

Germans are for cleansing and diluting. 
I could not believe you are a XXXX. 

Filed several complaints for discrimination from Citibank on behalf of their representatives. 

They were performing vodoo as they held the paperwork. Representative stated we are trying to put our XXXX on you cause we get and work at bank.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

I have an issue with chime bank specifically there credit builder card On Wednesday XX/XX/XXXX there were XXXX atm withdrawals in my card totaling XXXX dollars plus fees I was almost a hundred miles away with my team for work and when I noticed it I immediately froze my card and contacted the issuer. 

I submitted a police report and immediately forwarded all documents from police and my itinerary from my traveling. 

Dispute was opened and I contacted them several times checking status over the next 60 business days it was said to be till they could find resolution. 

On the final day left in the dispute I called them as was told that the files that I submitted were there but werent sent to the investigators. 

My claim is was initially denied for their lack of follow through. 

I had to reopen the claim with the documents sent to the investigators on the hope that they may reopen it. 
It was subsequently denied again with no reason.
Product: Credit card or prepaid card

On XX/XX/2021, Chase decreased the limit significantly on all 5 of my credit cards issued by them. This was due to an error on my credit report where I was being reported seriously delinquent on an account. The error has been cleared up on my credit report. However, Chase says I must request a limit increase to have my limits restored. It would appear as in inquiry on my credit report. As I was decreased due to an error, they should restore the credit limits on all 5 of my cards without a hard pull to my credit reports, but they are refusing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Debt collection

XXXX XXXX, My name is XXXX XXXX XXXX. I am co-owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am writing this email in utter shock and disbelief with the trajectory of events that were prompted by XXXX XXXX threads. 
Last XX/XX/XXXX, ( corrected date ) I attended a course in New Jersey. I was in contact with my XXXX representative who no longer works at your company. I was also in contact with XXXX. Prior to going to the course I called both my rep and XXXX to confirm that our account was paid and confirm my enrollment in the course. I was told everything was all set and the account was paid and up to date.I was assured that there was no issue and that I should attend the class as planned. I explicitly expressed that if it were not paid and up to date that I would not attend and that I would perhaps enroll in an upcoming one one in the future. Again, I was reassured and told to go by both XXXX and my rep XXXX XXXX. 
Approximately three months ago I received one email and one phone call stating that we indeed owed {$2000.00} for the class. I expressed my concerns with this finding and contacted XXXX. Again I was told that there was no issue with the account. 
I never heard back from your accounting department again after this. 
Fast forward to today, XX/XX/XXXX, I received numerous phone calls from a collection agency by the name of DCI ( Debt Collection International, XXXX XXXX XXXX, XXXX FL XXXX XXXX ) on behalf of XXXX. Both myself and my business partner have reached out to XXXX and XXXX XXXX ( sp ). We were promised a call back from someone by the name of XXXX XXXX. We never heard back back from anyone at XXXX. Im not sure why such a reputable company would hire a company like DCI. 
Everyone in our office has been severely victimized by these people today including myself. They have made physical threats as well as using XXXX XXXX XXXX hostile, and violent language to me, my business parter, and our office manager. They have called family members of my business partner who have no involvement with XXXX The threats and harassment by DCI representatives XXXX XXXX, XXXX ( would not provide last name ), and another team member ( who would not provide a first or last name ) were so severe that we had to contact our local law enforcement. They also stated that they have our bank information, my medical license, and address. They are also threatening to negatively impact our business via internet bullying. I have provided them with our attorneys name and information at their request. They have yet to contact him. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX
Product: Debt collection

Over a month ago I reached out to Convergent Outsourcing about a debt they claimed to be mine. I explained to them this was not my debt and disputed the debt as well as requested evidence that this debt was mine. When I asked for the evidence they had to prove this debt was mine they said they needed to reach out to XXXX. They had not already verified this debt which in the state of NJ is illegal. Regardless, I requested documentation and proof that this debt was mine. This was on XX/XX/XXXX and I was advised by Convergent Outsourcing to call back XX/XX/XXXX. They disputed the debt and I waited for my documentation. I waited till XX/XX/XXXX to call back as I had not received any documentation providing evidence of the debt. When I called I informed the collection debt agency that legally they had 30 days to prove this debt which they were unable to do so. In this event I instructed them to report to the credit bureau that this is not my debt, to rectify this on my credit report and to remove the debt from my name. Convergent Outsourcing explained that XXXX has not reached out to them about the claim and that they would document my call. When I requested for them to remove this debt and contact the credit bureau they said " You can call the credit bureau if you'd like, this debt will not be removed today until XXXX contacts us back ''. Which I responded " tough luck, legally you had 30 days and it is not my fault XXXX has not reached out to you ''. They did not remove the debt and have still failed to provide evidence or documentation that this is my debt.
Product: Student loan

On XX/XX/2022 I started a consolidation application with XXXX XXXX. They have reached out several times ( now 4 since XX/XX/2022 ) to American Education Services ( my current holder ) for my loan payoff information and AES will not respond with what they need. This is almost 30 days later and time is of the essence. 

Also I asked that AES update my file to show that in that forbearance period due to consolidation and they have failed to do so. 

AES should be sanctioned and made to follow through with my request.
Product: Debt collection

Credit Bureau Systems has withheld verification information and thus fraudulently represented a debt, for which they are claiming I am liable. Credit Bureau Systems failure to provide pertinent information regarding their claim, which I am entitled to under the Federal Fair Debt Collection Practices Act, has resulted in my inability to resolve the dispute in a timely manner, despite repeated requests ( both by phone and certified mail ). 
When asked, during our most recent phone conversation for the information I requested, and am entitled to under Federal law, the Credit Bureau Systems employee ' responded by saying the Hospital network ( and originator of the alleged debt ) " ..had been hacked, so I ca n't do that '' and then hung up the phone. Their harassing tactics have delayed a resolution, as a XXXX, they have impeded my education. I can not pay for schooling without federally obtained loans, and they have been withheld, pending a resolution of the collection claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I challenged the accuracy, compliance, validation and reportability of this listing. Please validate and provide method of validation to investigate this account with XXXX XXXX XXXX and ask them to provide me with the validation associated with this account. I will also like to request the account number because on each report it shows differently. Another request I noticed is that every month the company keeps reporting it as a Charge off ( CO ) which is resetting the account activity and re-setting the delinquency date creating different last activity dates on each report. After an account is charged off it is a dead account and no interest or activity should be completed on the account. Each credit report is showing a different last activity date which I attached in the complaint below. Lastly, I also noticed the difference in term duration on the loan for each report which I also attached below. In the absence of any such documentation, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2021. A consumer transaction in which a Finance Charge was involved. XXXX XXXX XXXX defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XXXX took cash. The Finance charge is supposed to include insurance, but XXXX XXXX XXXX XXXX made me purchase insurance separately.
Product: Mortgage

M & T bank inherited my mortgage from XXXX on XXXX the time of the takeover, I had a modification agreement with XXXX to pay {$1600.00} per month.I was led to believe that this agreement continued with M & T and paid timely per month.On XXXX/XXXX/15 M & T sent a letter indicating that they were holding {$13000.00} of unapplied funds for me.This was later followed by another letter on XXXX/XXXX/15 indicating that {$15000.00} was past due.The letter further indicated that they were refusing my XXXX payment of {$1600.00} and stated that they were starting foreclosure proceedings.I have been making unsuccessful attempts ever since to resolve this matter with them.They have refused my payments and my house is schedule for a sheriff sale.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$3000.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in the light of the recent.CFPD highlighting significant issues with the platform. Despite using Zelle numerous times and reporting this discrepancies, my financial institution and Zelle failed to investigate my claims seriously. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XX/XX/XXXX findings indicate that Zelle has not only neglected, but has allowed offenders to exploit the system, while leaving users vulnerable to the scam. This lack of accountability and transparency is unacceptable and raises serious concerns about customers safety
Product: Checking or savings account

Several accounts have been opened in my name and fraudulent activity has occurred on those accounts, I have been a victim of identity fraud, I have been denied several accounts due to the person or persons impersonating me.

According to FCRA Section 605B It is illegal to report information on my credit report without my permission thank you please remove this from my credit report.
Product: Debt collection

On XX/XX/XXXX a gentleman from XXXX XXXX XXXX called me and told me he is calling to collect a debt. He stated I owe {$920.00} for my mortgage payment that was due XX/XX/XXXX, which has a 15 day grace period. I told him I have already made the payment and he told me I did not make it. This is a brand new loan with the 1st payment being dueXX/XX/XXXX. OnXX/XX/XXXX, I made a partial payment of {$470.00} and onXX/XX/XXXX I made the other partial payment of {$470.00} for my {$920.00} due XX/XX/XXXX. On XX/XX/XXXX, I made a partial payment of {$470.00} and onXX/XX/XXXX I made the other partial payment of {$470.00} for my {$920.00} due XX/XX/XXXX. On XX/XX/XXXX I made a partial payment of {$470.00} for my {$920.00} due on XX/XX/XXXX The agent told me the way I make my payments ( I make a half payment each time I get paid on the 15th and 1st for the following months payment due ) is unacceptable and I can not make my payments like that and XXXX XXXX XXXX will not accept them. He told me he was coming after me for my mortgage payments. He was aggressive and told me I need to make my XXXX mortgage payment now as he is a debt collector and that I did not make my payments like I need to. I explained how I make them 1/2 at a time and he said it was not acceptable by XXXX XXXX XXXX and I need to pay now. I asked on 8 different occasions to speak with a manager and he finally transferred me. He was rude, uncouth, and aggressive trying to collect a debt that was not owed.