23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Problem Description : XXXX XXXX has improperly reported or utilized my credit card utilization data in a way that negatively impacts my credit score, without proper notice or adherence to federal privacy regulations.

Legal Basis : 1. 16 CFR Part 313 ( Regulation P ) : Under 16 CFR Part 313, XXXX XXXX is required to protect the privacy of my financial information and must provide notice and an opportunity to opt out of sharing my information with third parties. I believe that XXXX XXXX has failed to comply with these privacy requirements in the handling and reporting of my credit card utilization data. 
2. 16 CFR 443.2 - Improper Use of Consumer Reports : According to 16 CFR 443.2, consumer reports must be used only for purposes allowed by law. If XXXX XXXX has used or reported my credit utilization data in ways that are not legally permissible or without my consent, this constitutes a violation of this regulation. 

Impact on You : The improper handling and reporting of my credit utilization data by XXXX XXXX has caused significant harm to my credit score, which has affected my ability to obtain new credit or favorable terms on existing credit.
Product: Student loan

I qualified for XXXX in XXXXXXXX XXXX  2024 ( i made XXXX qualifying payments ). My Student Loans were ultimately forgiven under XXXX in XX/XX/year>2024. However, during the time between XX/XX/year> and XX/XX/year>, Mohela continued to demand monthly payments even AFTER making the XXXX qualifying payments. ( No payments were made during XXXX forbearance ) I reached XXXX payments as of XX/XX/year>2024. I continued to pay through XX/XX/year>2024, XXXX monthly payments of {$410.00}. They owe me roughly {$3700.00}. I have contacted Department of Education who referred me back to Mohela. Mohela says its up to the Treasury Department to process. 
I have been asking for this information since XXXX, over XXXX months now. 
Please assist. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was sent out illegally to other agencies and it has affected me a lot. As a military personnel, this has hindered me from purchasing a home, and obtaining other financial obligations. According to the FCRA ( Fair Credit Reporting Act ), Illegally these unverified and unauthorized items MUST be removed immediately. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX  XXXX XXXX 4. XXXX  XXXX XXXX 5. XXXX  XXXX XXXX With all the issues that have happened with these illegal items added, that has really placed me in a bad situation. XXXX. I have XXXX & XXXX, and with this happening it has really place me in my head knowing that with this happening its preventing me to accomplish things.
Product: Credit reporting or other personal consumer reports

Dear Target/TD Customer Service , I am writing to request the removal of a credit inquiry that appeared on my credit report from Target/TD dated XX/XX/year>. The inquiry is listed under TARGET/TD ( Retailer ) and was not authorized by me. 

I did not give permission for this inquiry and believe it to be inaccurate. This inquiry is adversely affecting my credit score, and I would like it to be removed from my credit report as soon as possible.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used WorldRemit ( WR ) Services to transfer to my mom in XXXX {$100.00} of which WR charged me {$2.00} ; The total of {$100.00} was immediately debited from my account through the WR app. On the same day WR notified me that the transaction was pending because the recipient had reached the limit allowed. This transaction remained pending for a couple of days and, on XX/XX/XXXX I requested a cancellation of the transaction ( case # XXXX ) ; I received an email from WR confirming my request to cancel the transaction and that I would be refunded withing 7 working days. On XX/XX/XXXX I emailed WR to follow up on the status of my Refund and I received no response. On XX/XX/XXXX I emailed WR again to follow up on the status of the refund of which they send me a copy of the refund letter. I raised a complaint with my bank ( XXXX XXXX XXXXXXXX ) and told them that I was looking for a refund of {$100.00} ; they could not find it however they did a temporary credit of {$100.00} ( XX/XX/XXXX ) while they were investigating/searching for the credit. On XX/XX/XXXX the bank returned to me to advise that they could not find the credit from WR and they reversed the transaction. I then notified WR that the bank could not locate the credit ; WR asked me contact XXXX pay, XXXX cash to XXXX  for this refund which I did. I emailed WR a copy of the letter from bank advising that there was no credit and I also sent WR a copy of my bank statement to show them that there has been no refund to my account. WR then asked me to contact the bank to obtain a signed letter ; I asked for a signed letter from WR to prove that they credited the money and I never received a signed letter from WR but they expect me to get a signed letter from the bank. On XX/XX/XXXX WR has asked to contact the bank to explain to them about XXXX transaction. I emailed WR to explain that it is not my responsibility to tell the bank how to do their job. 
After several emails and phone calls to WorldRemit, as at today XX/XX/XXXX I have not been refunded of my {$100.00} from WorldRemit. I am disgusted, mad, frustrated, upset and I am recurring to you to see if I can get any help on this case. I am a single mother and {$100.00} is a lot of money on my pocket. Its unfair how I have been treated by WorldRemit in order to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} 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
Product: Debt collection

Account Resolution Services Balance {$100.00} In my transcript from the collection agency ARS, they did not include my HIPAA Disclosure. You have violated my HIPAA rights and I demand you remove this from my credit report. I will take the necessary legal actions if this is not removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1..Last activity and 2. Last payment which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 

Name XXXX Equifax XXXX activity XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed. 

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED. -
Product: Debt collection

I have tried to contact different debt collectors multiple times for a debt that states XXXX XXXX XXXX i have tried to contact the debt collector XXXX XXXX XXXX only to be transferred and hung up on multiple times so I then try to disputed it with the credit agency XXXX and they tell me that they verified the debt and it will stay I can not seem to have anyone tell me what the debt is for yet i to have to deal with the consequences of it is unfortunate and unfair
Product: Credit card or prepaid card

Hi my name is XXXX. I'm contacting you guys because my husband already contacted you guys about his debit card being skimmed at the gas station and now I believe my card was skimmed at the same gas station. I have a XXXX dollar charge at a XXXX gas station and now I have a XXXX something dollar balance. My husband had a XXXX $ charge at a XXXX as well. I'm struggling with this pandemic as it is and now we both have to wait to get our money back. We want whoever is responsible for our money being stolen from us held accountable and our money returned as soon as possible!
Product: Vehicle loan or lease

I purchased a used car XX/XX/XXXX with the first payment due XX/XX/XXXX in the amount {$470.00}. The finance agreement was for 72 months which ended XX/XX/XXXX. I paid an additional 4 months with the last payment send in XX/XX/XXXX which covered deferred installments during the life of the loan. I completed the 72 months and the contract amount of {$34000.00}. 

When I called to get information on my account, the automatic system stated that I had a payment of {$3100.00} due XX/XX/XXXX. When I called to get access to my online account information, it was described to me as an " end of contract '' payment. I requested an explanation of the additional charge with their online customer service with no response ; I sent XXXX Priority Mail letters to their XXXX, NC headquarters for the President, XXXX XXXX XXXX and their COO - no response to date. I submitted a review with Consumer Affairs which was forwarded to the company for a response - no response to date. I reported this as a fraud claim with FTC today. That's when I found this website for finance problems.
Product: Mortgage

I was sent a letter from Wells Fargo regarding my mortgage on my property at XXXX XXXX XXXX XXXX, AZ XXXX to refinance my loan, the letter stated that if I sent them XXXX that could be my payment instead of the usual XXXX All I had to do was to start those payments, I did that in XXXX as requested by the letter. Now, I get the check back saying that that was n't enough money for my mortgage so my mortgage could be in default. I sent that amount to start my mortgage loan modification. I am sending you the letter I received. I did not receive any more phone calls. Now I have a letter with a check in it that they have not accepted. I have never seen anymore incompetence then these people on mortgages. I get a different loan perservation officer everytime I turn around. I have dozen of letters from different names. The loan officer does not live in my state. I can not contact anyone in my state to help me. They just refer me out to some XXXX number. This is ridiculous. This is my home and I have worked hard to keep it. They have done nothing but add to confusion and misrepresent their offers by mail. If I do talk to someone by phone, they dont even know what is going on with my loan preservationist. I am beginning to wonder if that person really exists. I am tired of dealing with incompetence and fraudulent behaviors and it has caused me great grief and stress to keep dealing with different people all the time. I am sending you the letter I received and a copy of the check that was returned to me. I am tired of all this misrepresentation and fraud.-+
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to XXXX XXXX XXXX. 
There is a collection with XXXX, XXXX  and Trans Union concerning a loan that I had with XXXX XXXX. The collection was on my credit report for 7 years and was removed because of the time frame had expired. By law, they had to remove this collection and was removed in late XXXX or early XXXX. It has since been re-established on my credit reports as of XX/XX/XXXX. 

I believe this is a flagrant and intentional violation of Federal law. I am requesting you look into this issue on my behalf and hold the company responsible for their error.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report in light of my rights under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, due to the recent data breach involving XXXX, I am deeply concerned that this misinformation may be a direct result of unauthorized access or compromise of my personal information. The following accounts are inaccurate and require immediate attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. CBNA - Best Buy - XXXX XXXX. XXXX XXXX - XXXX XXXX. Macys - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inaccuracy Description : These accounts are reported as delinquent when no such payments are due. Requested Resolution : I demand this item be verified or immediately removed from my credit report. Given the data breach, I have reason to believe that errors on my credit report may be related to identity theft or unauthorized use of my personal information. Under the FCRA, you are required to investigate and verify the accuracy of all disputed items, especially when they may result from a security breach. I demand that you investigate these inaccuracies and provide written confirmation of your findings within the legally mandated 30-day timeframe. If the disputed items can not be verified as accurate, they must be deleted immediately. Failure to comply may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) or legal action. Given the circumstances surrounding the data breach and the potential misuse of my personal information, I expect this matter to be treated with urgency and diligence.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & XXXX XXXXXXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the accounts below are showing inaccurate information and delinquencies. There should be nothing late nor listed with the wrong name or account information. 

XXXX/XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX/XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the Experian, XXXX XXXX and XXXX has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!
Product: Credit card or prepaid card

I lost my job in XX/XX/2020 due to the pandemic. 

I reached out to credit card company to inform them that I was struggling to make payments. they assured me that any late fees that were applied would be credited back into the account and no payment would be due until I was able to make payments. 

Ive tried to resolve this issue but the reps just tell me they cant due anything and I have to pay the {$150.00} in late fees.
Product: Mortgage

I have a complaint against Amerihome Mortgage company. I paid my homeowners insurance out of pocket because I get a substantial discount by doing so. I am trying to find out how I can get reimbursed for the payment I made out of my escrow. I have uploaded my new homeowners policy to them along with the paid receipt and nothing from them.I have been asking the same question for almost 3 weeks now! My first message was sent on XXXX XXXX. No one responds to my messages. You have to go through 5 minutes of prompts when you call customer service, and after that you get to sit on hold for 30-45 minutes, and if you are lucky enough to have someone answer your call, They don't know XXXX! Even tried the chat button and a girl named " XXXX '' suddenly abandoned me on the chat without answering my questions. This banks customer Service in non-existent. Do they not have some obligation to correspond with their clients? 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX US DEPARTMENT OF EDU Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX LATE PAYMENT  Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

XX/XX/XXXX To Whom It May Concern : Starting XXXX of XXXX, I took advantage of the Covid Relief plan available through XXXX XXXX. During this time my payments were suspended with the understanding that the payments would be shifted to the end of the loan. In XXXX of XXXX, XXXX XXXX sent me a letter that stated I could modify my loan to 40 years instead of 30 years and that would bring my loan up to current. I took advantage of that offer and went to the XXXX and XXXX location of XXXX XXXX in XXXX, VA and signed appropriate documentation. On XX/XX/XXXX I was notified finally that Specialized Loan Servicing was taking over my loan from XXXX XXXX and my payments on my mortgage from XX/XX/XXXX to XX/XX/XXXX were being held while this problem was sorted out. I have reached out and spoken to a Loan Counselor, Mortgage Specialist and Lawyer about how to handle this situation. Finally, I was able to get through to Specialized Loan Servicing by phone on XX/XX/XXXX and the man on the phone reminded me that it was a recorded line and told me to download the Mortgage Modification Form and fill it out and send it back because the XXXX XXXX Modification had not transferred or been processed correctly. I would love to get this sorted out, I want to keep my house and I am able to make payments now as I have exhibited since the end of my forbearance with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Edit Federal Trade Commission : IdentityTheft.gov FTC Report Number : ( to be generated ) I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX, MO XXXX USA Phone : XXXX Email : Personal Statement XXXX XX/XX/XXXX Accounts Affected by the XXXX  Credit Card Opened by the Thief Company or Organization : the company Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Names : XXXX Addresses : XXXX XXXX XXXX XXXX XXXX ga Credit Inquiries XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 


XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 

* Check the box to sign your identity theft report : I understand that knowingly making false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

PreviousFinalize IdentityTheft.gov is the federal governments one-stop resource for identity theft victims. The site provides streamlined checklists and sample letters to guide you through the recovery process. 

Visit ftc.gov/idtheft for prevention tips and free resources to share in your community. 

Privacy Policy XXXX XXXX # : XXXX Under the Paperwork Reduction Act, federal agencies are not allowed to collect information from the public without a valid XXXX control XXXX. 

Create a Personal Recovery Plan Browse Recovery Steps Know Your Rights Sample Letters Warning Signs of Identity Theft What To Do If Your Info Is Lost or Stolen Credit Bureau Contact Info Other Helpful Contact Info