23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX I submitted an IBR application thru FSA in order to have my REPAYE plan updated to the SAVE plan. According to FSA, my new monthly total was to be XXXX. On Mohela 's website on my account, the IBR was approved on XX/XX/XXXX. This reflected accurately on my account for a few weeks. I received a confirmation correspondence from Mohela dated XX/XX/XXXX confirming New Monthly Payment Amount of XXXX. One day, randomly, my account total changed to {$610.00}. I made 3 calls and sent multiple written correspondences to Mohela to change this total back to the approved amount of XXXX. I have yet to receive any return communication about this. On XX/XX/XXXX I reached out again regarding the payment amount. Call to Mohela and initially I spoke with XXXX (? ) who states on the phone that the monthly payment on their end is reflected as XXXX. I was then transferred to XXXX, an advance payment specialist. She reports to me that a new letter from Mohela was generated with a total of XXXX and sends a copy of this to my documents on my account. This letter was sent on XX/XX/XXXX at XXXX. THIS IS THE FIRST TIME I HAVE RECEIVED/SEEN THIS DOCUMENT. The letter was dated XX/XX/XXXX. I asked XXXX where this total is coming from and she reports that it is most likely due to my income tax. I reported to her that I have only filled out ONE IBR application and was approved for XXXX. We went through the self attestation questions again and sure enough, I was projected to pay XXXX per month. I am assuming the difference in XXXX to XXXX was because I guesstimated my annual income whereas the application with FSA pulled directly from my tax return. XXXX placed me on hold and verbally confirmed that the XXXX is a SYSTEM ERROR and has resubmitted to have my total return to XXXX. XXXX states that I need to wait 7-10 business days for this to reflect to my account. On XX/XX/XXXX I resubmitted the IDR directly through Mohela 's Repayment Calculator Repayment Plan Evaluator. On page 6 of 12 of this application documents, the payment is projected to be {$300.00} ( which is on par for what FSA approved me for ). I have since sent further communications to Mohela with not a single return communication to date. 
I have 13 months left of my PSLF and I want to start paying this down immediately. I want my payment through the SAVE plan to be accurately reflected on my account through Mohela. I have filed complaints with FSA, the FSA ombudsman, the WA State Attorney General 's office, PPSL, and FTC. 

**note- dates on attached document are incorrect. I applied for IDR on XX/XX/XXXX and approved XX/XX/XXXX ( not XX/XX/XXXX and XX/XX/XXXX. I wrote the wrong dates on my attached documents )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I checked my credit report and found that these companies submitted a request to view my credit report without my consent due to online applications filed in my name. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. 

The fraudulent inquires are from : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I have disputed with XXXX, Equifax , XXXX, about their practices of putting stuff on my credit report. I wanted proof from all on how they verified that these accounts belong to me. I have instances where one of the accounts stated they only verified that first XXXX digits of my SS # and the debt was listed on all XXXX of my accounts. I only proof that I will accept from all XXXX of these credit bureaus is a signature showing my name where I requested credit from each of these debtors. Using the first XXXX digits of my social security is not enough. If they ca n't or have not verified with a copy of my signature on the original loan, credit card or whatever I want the charges removed from all XXXX credit bureaus. I have attached the accounts in questions, XXXX ( XXXX credit cards ), XXXX XXXX ( XXXX credit cards ). As you can tell XXXX XXXX shows that I made a payment on XXXX and I do n't even have a credit card with them.
Product: Debt collection

I have received a statement from a debt collection company for an account I was not aware existed. The company is " XXXX XXXX XXXX, XXXX ''. This company states that Capital One Bank XXXX XXXX XXXX has a balance of {$500.00}, to be paid by me ( XXXX XXXX XXXX XXXX. I have not opened or received any credit from this bank or any other bank.
Product: Student loan

My casewasclosedout, ( case # XXXX ), due to me being hacked which causedmetobe unable to sign into my email address. I am reporting this issue because, I believe that Great Lakes, my new servicer, XXXX are possibly, being compromised or forced by the XXXX XXXX, ( which is currently suppose to be under investigation by " The Borrower Defense Ref.Cancellation DEPT, & Ombudsmen Grp ), for alleged, direct plus loan fraud. I was emailedby " The Borrower Def ... Dept. that any loans reported can be requested to be frozen until investigation is determined. I have requested this & been approved as the email proves that I attached even in the last case # I listed above. Sorry I was unable to get back to you. 
I've requested for Great Lakes Servicing XXXX  to release my consolidation application to my new servicers, XXXX. XXXX reported via mail that Great Lakes did not do so, when they sent the request ; therefore, this canceled my consolidation application. ( I need to have these loans renewed for forbearance or deferment! Please, investigate & order for this to be done, if possible. I have requested this several times on the Great Lakes website, via phones ... Still, nothing. I keep being sent CDs, when only one was requested about my consolidation, about everything but my application being released. 
Great Lakes stated to me via " recorded line '' on phone that they were authorized, ( bullied, it seems like to me ), by XXXX XXXX, to be made to add in direct loans from XXXX XXXX XXXX XXXX XXXX XXXX to my consolidation without my consent. They aren'tallowed tooverride the XXXX XXXX. I have a right to order & change my servicer as well as decide what loans I want to consolidate. 

Thank you Miss XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a right to privacy and I never gave any one written permission to report these accounts on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. the list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : Truist # XXXX Accoiunt name : XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  # 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 : If also state a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( 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 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX XXXX report I noticed negative reporting on several different banks I'm not familiar with. I sent a dispute letter to XXXX XXXX for validation of the negative accounts being reported. In response they sent a letter indicating the accounts were accurate and complete and verified. However, I did not receive any of the documents, I requested to verify and validate the debt and or negative accounts belong to me. 

XXXX Account # : XXXX, XXXX, XXXX According to the FCRA laws : 2. Right to Dispute Inaccuracies Section 611 : Consumers have the right to dispute any inaccurate or incomplete information on their consumer report. Reporting agencies must investigate disputes, usually within 30 days.

3. Notification of Dispute Results Section 611 ( a ) ( 6 ) : Once a dispute is resolved, the consumer reporting agency must provide the consumer with a written response detailing the results of the investigation and any changes made to the report. 

Early Warning violated by consumer rights according to the laws listed above by not providing written response detailing the response of the investigation and providing documents used to validate the debt. Please find attached all disputes sent to EWS and their response.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : 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 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 XXXXXX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
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. Account name : 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 has violated my rights. 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 or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, U.S. Department of Education Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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: Mortgage

A refinance was done multiple times in XX/XX/XXXX the owner being a XXXX man with a set income since XX/XX/XXXX was preyed upon and given a refinance over and above his income capabilities. We have modified this loan 3xs with XXXX and once again recently with Caliber Home Loans. Only to find out in the fine print its modified to a interest only loan. Nothing is ever disclosed to us. We were struggling and a post card was sent to us that we had a law suit with XXXX and needed to hire XXXX out in XXXX XXXX. We stopped our payments to XXXX it cost {$5000.00}. up front and XXXX a month for on going legal fees only to be told in order to get our modification we had to release XXXX from its obligations We now are paying a trial payment to Caliber and received nothing from the law suit nor the Real Estate law Center.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to formally dispute the reporting of certain charge-off accounts on my credit report. These accounts are inaccurately listed as charge-offs, and I request that they be updated to reflect Paid as Agreed. 

The accounts in question were discharged by the creditor, and I have filed Form 1099-C with the Internal Revenue Service ( IRS ) as required under federal law. The discharge of indebtedness is considered taxable income under the Internal Revenue Code ( IRC ) 61 ( a ) ( 12 ), and I have reported it as such on my income tax return. The creditor has also provided me with a copy of the 1099-C, which serves as official documentation of the cancellation of the debt.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies are required to ensure the accuracy and completeness of the information included in a consumers credit report. The continued reporting of these debts as charge-offs, when they have been discharged and recognized as taxable income, is neither accurate nor complete. Specifically : - **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ** mandates that furnishers of information provide accurate information to consumer reporting agencies. 
- **15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) ** requires the consumer reporting agency to modify or delete inaccurate or incomplete information once it has been disputed.

Since the debts have been discharged and are no longer owed, they should be reported as " Paid as Agreed '' or removed entirely from my credit report. Failure to update this information could be seen as a violation of the FCRA.

Please find attached copies of the relevant Form 1099-C, IRS documentation , and other supporting documents. I expect that this matter will be resolved promptly, and my credit report will be updated accordingly. 

I request that you provide written confirmation of the changes made to my credit report in response to this dispute within 30 days, as required by law. 

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

Sincerely, XXXX XXXX **Attachments : ** - Copy of Form 1099-C - IRS documentation
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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. 
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 Has violated my rights.

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 card or prepaid card

Citi/AAdvantage Platinum Select Card refuses to return a {$99.00} annual fee payment made automatically XX/XX/XXXX as AutoPay XXXX on my separate bank account, under Citi 's AutoPay system. After a number of calls yesterday, XX/XX/XXXX to their customer " service '' number, the situation that has emerged due to my desire to cancel the card and close the account while applying the above fee to my current billing, has not been resolved. This due to the complete refusal of Citi to consider my contention that there was a lack of proper notice of an upcoming annual membership charge in XXXX. So without notice beyond a routine statement, and in my view improperly using the AutoPay system that I unfortunately agreed to in the past, I am now stuck with a credit card that I do not wish to continue to own because Citi Cards refuses to return the annual membership fee. After spending an hour yesterday trying to cancel my card and get a refund, and being subjected to the endless series of " offers '' proffered for me to remain a customer ( and the insolence of a supervisor, " XXXX '' ), I got exactly nowhere. As there is no way to forward a specific complaint to anyone with authority at Citi, I am left with no alternative but contacting the CFPB. 
In my view, given the existence of an AutoPay system, a minimal effort on the part of Citi to communicate the upcoming yearly renewal is needed, instead of the " gotcha '' approach currently used, alleging the existence of a lenghty contract full of legalese which few people read fully, as intended by Citi. 
Furthermore, the extraordinary reputational risk Citi is willing to suffer though its underhanded tactics represents a clear financial stability risk for Citi, and thus the financial system as a whole. For my part, I will do my best to enhance reputational risk for Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my free annual credit report from Experian and they started charging me an annual fee. I tried calling Experian to resolve the problem, but I could not reach them and they did not return my call. I called the bank responsible for the credit card being charged and they recommended disputing the charge. I continued receiving charges from Experian after disputing the charge, so the bank changed the number on my card, but Experian found the new number and continued charging me. 

I believe Experian is in violation of federal law and should be ordered to cease and desist.
Product: Credit card

Two payments of last statement balance were made to credit card via phone in error, one on XX/XX/2023, the other on XX/XX/2023. Statement balance was due XX/XX/2023. Online access is very confusing. Have been unable to find these payments. Payment via phone willingly accepted both payments. Recently called and spoke to an outsourced ( apparently ) representative who did absolutely nothing to help me. She could not provide that payments were made. Citibank credit card bombards you with offers for personal loans and to make purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never was my addresses XXXX XXXX XXXX, XXXX XXXX, Ma XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Ma XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  MaXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN My online account gives- Oops, we're sorry! 
We have encountered an internal server error. Please note that your order has been canceled. Sorry about the inconvenience. 

Call us toll-free at XXXX Hours of operation : XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX to XXXX XXXX XXXX -- - Tried calling XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All direct to automated system which only has menu for freezing. 
There is no way to unfreeze credit report ---
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

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

this is not a duplicate dispute. I asked the equifax agency to delete a telecommunications collection from my account which violating FDCPA law which is 4 years for all collections. this account is from XX/XX/XXXX. there are 5 different dates appearing on this account and NONE of them are correct and no there information is valid or available. Equifax claims this was verified to be mine as a " credit '' account ... .this is a TELECOMMUNICATION COLLECTION, NOT AN EXTENSION OF CREDIT. date of last activity is inaccurate, it says delinquency first reportedXX/XX/XXXX, date opened XX/XX/XXXX date reportedXX/XX/XXXX and then again it says date of first delinquencyXX/XX/XXXX. None of this is legal nor does it make any sense to me.

This account is damaging : it looks like a credit account, it says collection account, it has re-aged dates and no information at all on anything else. so a XX/XX/XXXX account was delinquent inXX/XX/XXXX and still reported inXX/XX/XXXX? Senseless.
Product: Credit card or prepaid card

I submitted a billing dispute and followed Barclays instructions and disputed a XXXX XXXX airline charge, that had a {$600.00} variance that I wanted to be made whole on, based on a US Dept of Transportation enforcement action. 

I provided this information to Barclays on XX/XX/XXXX, after the formal 60 day billing resolution period. I received a form letter back from Barclays on XX/XX/XXXX, stating that since it is beyond the 60 day window, they can not help me. 

I called Barclays team ( Case ID # XXXX ) and spoke with XXXX  XXXX in the XXXX on XX/XX/20 at XXXX MST. She informed me that I would have to create another dispute letter to explain why I wanted Barclays to pursue this beyond the window of time. I provided all this detail in my original letter to the bank. ( XXXX ) The bank has an obligation to contact the merchant and obtain some type of acknowledgement in this situation.