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

I've had this car auto loan for two years and been doing fairly well with making payments at timely fashion and I just don't feel with two years worth of payments aren't going to my principal rather to the interest rates... this past year along I struggled because I don't know why every month my payments almost doubled than the typical amount.
Product: Student loan

I graduated from school in XXXX and began repaying my student loans upon graduation. I paid my student loans for 3 years before doing a federal consolidation of my loans in XXXX. Currently, my loan provider states that my repayment start date was in XXXX. I would like the date adjusted to reflect the XXXX repayment start date.
Product: Debt collection

On XX/XX/XXXX XXXX I received a call from a collection agency regarding a bill that I have multiple issues with. 
1 ) I never received a statement from original creditor as I had moved and had informed them of this, which they made no attempt to obtain my new address. 
2 ) The last time I spoke to original creditor I requested my account to be closed, told then to keep the {$20.00} balance and then I cut up my debit card. Never used account again. 
3 ) The first time I was informed of this debt it had been sold and I was informed by XXXX of their collectors that I could not dispute the bill. ( this was around XX/XX/XXXX ) 4 ) The next collection agency called me XX/XX/XXXX informing me of bill. I gave them my current address and requested bill and advised the company I was disputing bill but wanted a letter to respond in writing. never received letter. 
5 XXXX Now I have reached the last incident. XX/XX/XXXX Again was contacted by a different agency. Updated my address AGAIN. advised the collector I was disputing the bill and that I wanted a letter. He then informed me that because I was verbally disputing the bill I was not entitled to a letter from them.
Product: Student loan

Formal Complaint Against MOHELA for Failure to Implement Public Service Loan Forgiveness ( PSLF ) To Whom It May Concern, I am writing to formally file a complaint against MOHELA for their failure to implement the Public Service Loan Forgiveness ( PSLF ) as mandated by federal law after my completion of 120 qualifying payments. Despite fulfilling all the requisite criteria set forth by the Department of Education and the PSLF program, I have been met with administrative hurdles, lack of clarity, and ultimately a failure to forgive my loans as promised.

Chronological Overview of Events Initiated loan repayment plan on XX/XX/XXXX. 
Completed 120 qualifying payments as of XX/XX/XXXX. 
Submitted PSLF application on XX/XX/XXXX. ( Several prior attempts as well. ) Application on hold pending processing as of XX/XX/XXXX. 
Attempts to Resolve the Issue I have reached out to MOHELA 's customer service multiple times to resolve this issue. Each time, I have been given vague or contradictory information, complicating the process further. Despite supplying all necessary documentation to prove my eligibility, my application for forgiveness continues to be denied. 

Violation of Federal Law I believe that MOHELA 's actions are not just an administrative error but a violation of federal law concerning the Public Service Loan Forgiveness program. They have failed to honor the commitment made to borrowers who dedicate their careers to public service.

I kindly request that the CFPB investigate MOHELA 's business practices related to the PSLF program. I also request that actions be taken to ensure MOHELA complies with federal regulations and proceeds with loan forgiveness as stipulated in the PSLF program.

I am prepared to provide further documentation or testimony if required. I look forward to a prompt resolution to this serious issue.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report XXXX reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Today I received an email from XXXX XXXX informing me of a new account opened in my name. I checked my credit report and I see there I XXXX accounts opened with XXXX. I see one is for {$1000.00} and the other for {$870.00}. Those accounts were opened by a fraudster. I tried calling the number shown on my credit report but it says i need to call during business hours.
Product: Debt collection

According to 12 CFR 1006.34 ( b ) ( 5 ), collection agencies are required to provide validation information upon request. If they havent done so, you can use this as a basis to challenge the validity of the collection. 

12 CFR 1006.34 ( c ) ( 4 ) ( i ) outlines the dispute process, which should be provided to you before any negative information is reported to consumer reporting agencies which is didnt. 

I would like to see the information between the debt collector and original XXXX  XXXX
Product: Student loan

I have been working on straightening out my finances and figuring out where I can do better in terms of student loan interest rates ( potential re-financing ). I currently have a XXXX loan that I am paying as agreed. This loan was taken out with XXXX University, and as of XXXX, the loan was transferred to Heartland ECSI as the servicer. I can access account details via the website, including monthly payment amounts and breakdowns of how much goes toward principal vs. interest. However, the actual interest rate amount is nowhere to be found via the account dashboard. I accessed the " Live Chat '' option to get this information on XXXX XXXX, XXXX - the interest rate was provided to me without any issues, but when I asked the representative where I could find this information myself on the website, I was told that I would need to basically contact my school for a copy of the promissory note in order to find it. 

Given that they have the ability to provide dollar figures and breakdowns, it should not be any more work or difficulty to provide borrowers with the full account information on the account dashboard. It seems very shady that a simple number that I could figure out myself is not transparently provided, especially as one often needs this type of information for many purposes to be provided directly from the loan servicer or account website. As this is a very basic piece of information for my outstanding student loan amount, Heartland ECSI should not be making us borrowers jump through any hoops to access our own account information. I am attaching a transcript of the live chat where the representative explained the actions that I would need to take in order to find my own student loan interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

last month on the XXXX, i sent out letters to all three credit bureaus in regards to inquires i did not authorize or have any acknowledge of. I was appling through a first home owners program a few months back and thats when i was denied. when i requested my credit report i found over 16 inquiries on my report. XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ). IN return the credit bureaus stated that my request for deletion could not be completed due behind my letters looking like they were sent from a credit agency on my behalf which i clearly sent these letters myself. i was also told by the bureeaus to write a letter disputing the inquries and a complaint from the CFPB, FTC OR POLICE REPORT along with providing a copy of the CFPB complaint with a copy of my license and proof of address. i requested a copy of the reinvestigation and a list of people i spoke with also. As of today XX/XX/XXXX, i have gotten no updates or satisfaction so on XX/XX/XXXX i will repeat the same process again to all three credit bureaus
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Inaccurate Information on Credit Report - Request for Removal of Charge-Offs under 15 USC 1681e ( b ) Dear Sir/Madam, I am writing to formally lodge a complaint regarding the presence of inaccurate charge-off entries on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in a consumers credit report. Unfortunately, this has not been adhered to in my case. Upon reviewing my credit report from XXXXXXXX XXXX XXXX, I have identified the following erroneous late payments : XXXX. Creditor : XXXX XXXX Account XXXX and Account Number : XXXX XXXX. Creditor : XXXX XXXX  Account Number : XXXX. XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX These entries are incorrect and have negatively impacted my credit score and overall financial health. I have previously contacted the credit reporting agency to dispute these inaccuracies, but the issue remains unresolved. According to 15 USC 1681e ( b ), consumer reporting agencies must ensure that they follow reasonable procedures to guarantee that the information they provide is accurate. The continued presence of these inaccurate charge-off entries suggests that the credit reporting agency has failed in its duty to uphold this standard. Furthermore, it is essential to highlight what the IRS classifies as a charge-off. According to the IRS, a charge-off occurs when a creditor writes off a debt as a loss for tax purposes, indicating that the creditor does not expect to collect the outstanding amount. However, this accounting action does not relieve the debtor of the obligation to repay the debt. The IRS 's classification underscores that a charge-off is more about a creditors accounting practices rather than a definitive statement on the status of the debt itself. Therefore, the continued reporting of these charge-offs as unresolved debts on my credit report is misleading and detrimental. I am requesting that the Consumer Financial Protection Bureau intervene in this matter to ensure that the credit reporting agency in question complies with its legal obligations under the FCRA. Specifically, I request the following actions : 1. A thorough investigation into the procedures used by the credit reporting agency to verify the accuracy of the reported charge-offs. 2. The immediate removal of the erroneous charge-off entries from my credit report. 3. Confirmation in writing that these charge-offs have been removed and will not reappear on my credit report in the future. I appreciate your attention to this urgent matter and look forward to your prompt resolution. Should you require any further information, please do not hesitate to contact me. Thank you for your assistance. Sincerely, XXXX XXXX
Product: Checking or savings account

I started with a {$150.00} balance on XXXX. I withdrew {$20.00} from the ATM and made an online purchase for {$29.00}, which left my account balance, {$100.00}. Those charges for the ATM withdraw and purchase were pending but the money was in my account. My car/house insurance came out of my account the following day for {$110.00}. Leaving me with a - {$10.00} balance. I was charged an overdraft fee of {$36.00} for the {$10.00} that I was negative. On XXXX, the pending charges from XXXX, in which the bank had already held for payment and I had the money for on XXXX, posted and I was charged XXXX for each of those. My gym membership ( {$21.00} ) also came out that day and I was charged a 4th overdraft fee for that. I went into the bank and spoke with XXXX XXXX on the morning of XXXX. She could only refund one of the 4 overdraft fees totaling {$140.00}.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Best Buy/Citi Bank Regarding Inaccurate Reporting of Late Payment and Request for Goodwill Adjustment I am writing to file a formal complaint against Best Buy/Citi Bank regarding their inaccurate and harmful reporting of a late payment on my account, which has severely impacted my credit score and overall financial well-being.

Despite my continuous efforts to resolve this matter directly with Best Buy/Citi Bank , they have failed to properly address my concerns. This negligent reporting violates the Fair Credit Reporting Act ( FCRA ) and has caused significant distress and financial damage. 

XXXX XXXX XXXX  Background 1. **Account Information : ** - Account Name : Best Buy/Citi Bank - Account Number : XXXX 2. **Issue : ** - The late payment reported on my account was inaccurately reported and has adversely affected my credit score. 
- I have already paid off the account in full. 
- I have repeatedly requested a Goodwill adjustment, acknowledging that while it is not obligatory for the creditor, Best Buy/Citi Bank did not take the proper steps in handling my situation.

Violations of the FCRA Section 623 ( a ) ( 7 ) : This section requires furnishers to notify consumers if they report negative information to a credit reporting agency within 30 days. Best Buy/Citi Bank did not notify me of the reported late payment within the required timeframe, leaving me unaware of the negative impact on my credit score until it was too late to address it proactively.

Impact on My Life The inaccurate reporting of this late payment has had devastating effects on my credit score, which in turn has affected various aspects of my life, including : - Denial of credit applications- Higher interest rates on loans and credit cards- Difficulty in securing housing - Emotional distress and anxiety due to financial instability Attempts to Resolve the Issue I have contacted Best Buy/Citi Bank multiple times , providing all necessary documentation to support my case and requesting a Goodwill adjustment. Despite acknowledging receipt of my documentation and understanding my situation, they have refused to make the necessary corrections or adjustments to my account. Their lack of cooperation and failure to act in accordance with the FCRA has left me with no choice but to seek assistance through the FCRA Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. The account came back verified and updated however no changes were made to my account. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date XX/XX/year>. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please update this account immediately as paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER SUING OR SETTLING WITH FEDERAL TRADE COMMISSION EQUIFAX NEVER STOPPED DOING FRAUD. PREVIOUSLY ALSO THEY REQUEST DOCUMENTS SUCH AS A COPY OF A DRIVER 'S LICENSE, AND A SOCIAL SECURITY CARD FROM CONSUMERS TO SELL TO MARKETERS. 

PREVIOUSLY ALSO EQUIFAX REQUESTED 100 TIMES FROM ME TO FAX OR GIVE MY DRIVER 'S LICENSE NUMBER AND THIS TIME ALSO EQUIFAX DID NOT SHOW MY CREDIT REPORT AND ASKING TO SEND A COPY OF MY SOCIAL SECURITY CARD OR DRIVER 'S LICENSE AND SAID YOU CAN DO WHATEVER YOU WANT AS REPORT TO FEDERAL TRADE COMMISSION, XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU. BUT UNTIL WE RECEIVE A COPY OF YOUR INFORMATION WE CAN'T SHOWED YOU A COPY OF YOUR CREDIT REPORT.
Product: Checking or savings account

On XX/XX/year>, I went to the park with my dog at night and did not notice that I dropped my wallet, which contain multiple credit cards to debit cards and my drivers license. On XX/XX/year> I received a message from Wells Fargo bank, asking if I recognize some transactions. I immediately replied I didnt and called Wells Fargo as well as realized that I did not have my wallet in my bag and therefore froze all of my cards and ordered new ones. I spoke with a Wells Fargo representative on XX/XX/year> Disputing the charges and was provided with a claim number. I did not file a police report because I didnt think I had to since my wallet was not stolen it was lost. I also found one of the numbers for the merchants in which a fraudulent purchase was made and I contact them to let them know that I did not authorize that amount gave them the last four digits of my card and gave them my full name, they found the order with all those identifiers and canceled it, and gave me my money back. I dont know if this affected the investigation, but I needed my money to pay my bills. Despite all of this, I recently received a letter from Wells Fargo bank stating based on the information available to us, we found the charges were made by you or someone who had your permission as a result the ( amount ) temporary credit to your account, will be deducted 10 business days from the date of this letter. I called today to dispute these findings.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Applied for a wells Fargo credit card and was denied they told me the reason was that I had a card with an unpaid balance. I have never had a credit card with Wells Fargo Bank. 
My ssi number is XXXX
Product: Mortgage

My husband was out of work for over 18 months. We fell behind on the mortgage by a few months. The bank told us we could make partial payments which we did but they did not tell us the funds would not be applied to the mortgage until a full payment was received. My husband started work XX/XX/XXXX. We fell over 120 days ( since they were not applying funds ) Now they will not accept payment, our credit is plummeting and the debt mounting. We have applied for modification 3 times starting in XX/XX/XXXX.  Chase has consistently made errors on the application, not returned phone calls, is vague when answering questions, difficult to reach and only offers 2 solutions -- foreclosure or short sale. Chase 's latest letter XX/XX/XXXX does not even give a reason for the denial of a request for mortgage assistance. Chase did not include my income on the application even though they had my pay stubs. Chase also has our net income at XXXX cents a month. When we questioned this, Chase told us that it did not matter.???? What is going on??? Chase has been incompetent in handling this application and has made a difficult situation worse. We can now afford to pay the mortgage and what should have been an easy solution has now become a mountain.
Product: Credit reporting or other personal consumer reports

XXXXn- XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> These inquiries were not authorized by me.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNT : XXXXXXXX XXXX number : XXXX
Product: Debt collection

I was not mature enough to make that decision and was sent a credit card I never applied for. I was on XXXX and tried it ( the credit card ) to see if it worked because it came in the mail. It did I have since been in rehab trying to get my life together. 
I have much better judgement now and pray that I will be released from this debt.
Product: Student loan

I have several variable student loans with Discover which are supposed to follow the PRIME rate index. Every time the PRIME rate had an increase, Discover updated my monthly payment immediately. However, this time the PRIME rate decreased from 5.50 % to 5.25 % on XX/XX/2019 and Discover has not updated my overall interest rate and it is still charging me with the 5.50 % old PRIME rate.
Product: Credit card or prepaid card

I have an XXXX credit score. We have two accounts already with Synchrony Bank. 
About 2 months ago I applied for a Sams Club card with Synchrony Bank, and received a card and activated it. I called and requested a card for my wife so she could use the card. 
Customer service said it would take 30 days before they could send one. I told them if they could not be accomodating, to close the account.Was told there had been an address change. We have had the same address for 21 years. On XX/XX/XXXX, I made an application again and when I called customer service was told it was rejected. Could not get a reason why and didn't know how to get card. I wrote letters to the president of Synchrony and Sams Club, with no reply. I spoke to 6 different departments over 30 minutes and got no answers. Apparently Synchrony Bank customer service is in disarray Still would like to get the credit card, but someone must get Synchrony to correctly service consumers.
Product: Credit reporting or other personal consumer reports

I have not given you written permission to put anything on my credit profile according to 15 USC 1681 b2.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST CREDIT COLL 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.