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

To Whom It May Concern at Consumer Financial Protection Bureau, I am writing to formally dispute the negative reporting on my credit report concerning my account with the Higher Education Service Corporation ( HESC ). Below is a summary of the issues that have led to this dispute : Higher Education Service Corporation ( HESC ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Account XXXX XXXX XXXX XXXX XXXX Loan # : XXXX Loan # : XXXX Change of Payment Address : HESC changed their payment address without adequately notifying me. They claim to have sent an email on XX/XX/23, which I have not received despite thorough checks of my email, including spam and junk folders. 

Misdirection of Payments : Due to the lack of communication about the address change, my payments were sent to the old po box and were not applied to my account. This led HESC to place my account in a 60-day past-due status.

Negative Reporting to Credit Agencies : As a result of the misdirected payments, HESC reported negative feedback to all credit agencies, including XXXX, XXXX, and XXXX, severely impacting my credit score and financial standing. 

XXXX XXXX : I immediately corrected the outstanding balance once I became aware of the issue. Despite this, HESC has refused to retract the negative reporting, stating that " no servicing error has occurred. '' Good Faith Attempts : I have made all payments in good faith based on the information available to me. I have also made immediate efforts to resolve the issue upon becoming aware. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and remove the negative reporting from my credit report as it is unjust and impacts my financial credibility. I have acted in good faith and expect the same from HESC XXXX, XXXX, and XXXX. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

We received a notice on XX/XX/XXXX from Seterus, Inc indicating we were in default and owed {$3200.00} to cure the default as of XXXX/XXXX/XXXX. The XXXX/XXXX/XXXX letter also indicated that Seterus, Inc had filed a Notice of Intent to Foreclose. The letter indicated no legal action would be filed for 45 days from XXXX/XXXX/XXXX. I notified Sererus XXXX XXXX XXXX XXXX at XXXX and by fax at XXXXby phone, by fax and by mail that we would be able to pay the default amount in two installments in XXXX and XXXX. The amount needed to cure the default as of the XXXX/XXXX/XXXX notice is {$3200.00}. I indicated in my voice mails, my fax and my letters sent XXXX/XXXX/XXXX that I would make two installments of {$1600.00} in XX/XX/XXXX and XXXX to cure the default and prevent foreclosure. I also indicated that I would pay the regular monthly mortgage payments of {$950.00} in XX/XX/XXXX and XX/XX/XXXX in addition to the {$1600.00} to pay the default amount and bring our account current. I got a call back on XXXX/XXXX/XXXX from XXXX at Seterus at XXXX that my fax was illegible I recontacted him and XXXX XXXX XXXX indicating what the fax was asking and also indicating that I had mailed a copy of the letter and the fax material. The copy I mailed to XXXX XXXX and XXXX were legible. Essential I indicated to them that we were offering the abnove proposal to bring our account current and to avoid foreclosure. I indicated I planned to make the above payments but wanted a breakdown of how the default amount was arrived at. THe person I contacted at Seterus, INC on XXXX/XXXX/XXXX was XXXX XXXX XXXX Consumer and Government Affairs ph XXXX fax XXXX. 
I mailed correspondence ( the fax material ) to ( 1 ) Attn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and ( 3 ) XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

Portfolio Recovery is starting to call me and put this debt on and off my credit for an auto loan in AZ that was repossessed about 13 years ago. Last payment was closer to 14 years. They still call constantly and I have had no new loan with them since. I keep disputing this debt and it comes off and within months it is back on.
Product: Credit card or prepaid card

I am in my XXXX 's and have had credit cards since I turned XXXX. Usually XXXX or XXXX, plus XXXX. Every month of my life I have paid every single credit card bill in full. I do not believe in credit/ debt. I buy cars and houses in cash. I got a Bank of America VISA because they are the XXXX  XXXX partner. From day one, their customer service was so bad that I had to force myself to not cancel. 
A mistake was made in a payment one month ( I made payments by phone and when I called in I would read the bank account # 's over the phone to an agent ). One month, they were entered incorrectly : two digits were switched ( I found this out later when I was on the phone with customer service diagnosing why " payment did not go through '' ). It's not clear whether the agent typed them in wrong or whether I read them out and accidentally flipped two. It was the same bank account I used every single month to pay, but each month they made me provide the info again and their system did not seem to notice the two numbers were flipped. As soon as it was brought to my attention I of course paid the bill in full. as always. But they refused to forgive the interest of about {$1000.00} which had accrued in the interim few weeks between the mistake and the resolution. I never used that cc again. My CFPB complaints and letters to the CEO and Board of Directors went ignored - no one ever engaged or responded. I recently paid them over {$4000.00} ( now with accrued interest ) to make it all go away. They are the worst possible kind of anti-customer culture. Truly shocking.
Product: Student loan

I have 2 Federal Student loans that are showing delinquent payments on my credit report from XX/XX/XXXX - XX/XX/XXXX. These accounts were General Forbearance from XX/XX/XXXX - XX/XX/XXXX. These accounts should not show this incorrect information as it is causing me issues in obtaining a first time home buyer mortgage.
Product: Debt collection

Franklin collection services has added {$160.00} in collection debt to my credit report from XXXX XXXX XXXX XX/XX/2020. I never received any notice prior to today when my credit score was noted down XXXX points. I have previously disputed this charge with XXXX XXXX The debt is removed and put back on serveral times and these people are trying to ruin my credit. I cancelled my account with XXXX XXXX in XXXX of XXXX I paid what I owed. The XXXX XXXX customer service said they couldn't stop my service until my billing cycle ends. I reported I must turn service off now. 3 weeks later my service was discontinued and then I got a surprised bill for {$160.00}. XXXX XXXX refused to stop service when I wanted, then they charged an additional monthly payment. I cancelled it because of COVID-19 and I was out of work.
Product: Credit card or prepaid card

Wells Fargo Opened a credit card account in my name and let someone charge over {$4000.00} worth of debt in less than a Month. I have been trying to resolve this issue for the last 9 months and they refuse to help me.
Product: Checking or savings account

I submited a claim with my bank for some transactions made with my debit card that was not authorize by me. 
XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX All of this transactions were made by my debit card of my account at Bank of America. 
As soon I noticed this fraudulent transactions I locked the card trough the app on XX/XX/2021 and after that I submitted the claim XXXX being denied after few days later. I submitted an appeal explaining the same situation here and also that my XXXX were I have the mobile app was at the technician during that period that may be the cause of all of this fraudulent transactions.

The appeal was also denied so thats why im filling this claim form. 
Also my card was saved at XXXX, XXXX, and other internet service were can be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. It's designed to protect the integrity and privacy of your credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in your credit report and provides you with remedies if a credit reporting agency or information furnisher violates your rights. In accordance with the Fair Credit Reporting act.

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.

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX  Account number XXXX - Experian reported that I had 2 late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. Also, stated that I made payments in XXXX and the other companies don't show that. 

Account name XXXX XXXX XXXX Account number XXXX -XXXX reported that I had 2 late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. 

Account name XXXX Account number XXXX XXXX reported that I had 2 late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. 

This information is inaccurate and the XXXX  account is stated closed on my credit. I will like for this account to be deleted off my records for being inaccurate and closed. Experian, XXXX, and XXXX has violated my rights by reporting inaccurate information. Also, these agencies reported self account name under three different types of account names.
Product: Student loan

I recently have been receiving emails requesting my information regarding a co-signer release affidavit form through Navient. It should be of note that I have been receiving these requests for years from Navient. Among these requests I feel as though Navient deceived its borrowers by capitalizing on low income/impoverished homes who didnt have a strong sense of financial literacy. To date, my private loans continue to compound via crippling interest. I continue to make payments in the hopes that I will be able to make progress. I would appreciate the CFPB to investigate the former and current proceedings that Navient is doing. I believe that myself and thousands of others have been exploited by this private lender, and have nothing to show but debt.
Product: Mortgage

I am re-filing a complaint against ( original CFPB complaint XXXX number ) SPS Servicing XXXX. 

Loan Account Number : XXXX Select PortfolioServicing, Inc. XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, Customer Relationship Manager, ( XXXX ) XXXX Ext : XXXX Letter sent to CFPB XX/XX/2020 in response to closing case number XXXX " I remember the Loss Mitigation form from SPS, and I completed as I thought it was related to extending my Forbearance. If that was not the case, then that should have been explained to me. There was plenty of opportunity to clarify how it differed because I called and wrote. 

Again, based on the CARES Act, I had the option to request additional 6-month forbearance and I made several requests way before XX/XX/XXXX. I made my first request for forbearance on XX/XX/XXXX when I sent 2 additional 6-month forbearance request letters via the website to Relationship Manager, XXXX XXXX, via the website after speaking with XXXX XXXX at XXXX XXXX CST on that day. I also spoke with Ms. XXXX who said it was not time to request a forbearance so soon. 

Again, on XX/XX/XXXX, I called and made another request on XX/XX/XXXX. I followed up with phone call and another request for forbearance extension on XX/XX/XXXX and again XX/XX/XXXX ( a letter ). There were at least three written attempts via your website requesting additional 6-mo forbearance extension. All correspondence would have been sent to the Relationship Manager, XXXX  XXXX. 
It is not XX/XX/XXXX, even though SPS has attempted to run out the clock. I am filing another complaint with CFPB and will be contacting them Monday, XX/XX/XXXX. '' I have the documentation to prove that I requested a 6-month additional forbearance well before XX/XX/2020, as provided by the CARES Act : Request letter from XX/XX/2020, XX/XX/2020. 

SPS is not acting in good faith and based on CARES Act rules, as I made 6-month forbearance extension request in a timely manner. If CFPB can not help me, then legal remedy may be taken by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report, I found that part of the information was inaccurate. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting items as unconfirmed information without supplying evidence within the legally required amount of time. The following false information in my credit report must be investigated and omitted : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDITXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICE XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you in regards of a credit decrease in multiple credit cards. I had a limit decrease with XXXX XXXX furniture credit from XXXX -- > XXXX. I have been a card holder with them for XXXX  years and I have had good payment history with them other then a few months back. I paid off my amount that way I avoid anymore late payments. Once I paid off the amount I owed they lowered my limit. I reached out to them and they didn't give me an answer on their end. I was told to reach out to the credit bureau to resolve the issue. I reached out to XXXX XXXX credit and they informed me it wasn't on their end. They advised me to reach out to you guys since they cant give me an explanation on why they decreased my credit limit. During the time that this incident happened the same thing happened with comennity bank Forever 21 where they decreased my credit limit. I am not wanting to make any big purchases. However, this has made a negative impact on my credit for the decrease of credit limit. This has made it hard for me to be able to move forward with purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$3500.00} on the XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My son came down with medical issues and I suspected it was due to mold and the neighboring tenants smoking near my apartment. My son has XXXX XXXX and the smoke was seriously harming his health. I contacted the Apartment Complex Manager however, they didn't do anything to address the issues so I contacted the City and when the apartment complex found out that I did this, they forced me to move out. I found out later that they charged me for three ( 3 ) months rent for time I was not living in the apartment. I have attached email correspondence for reference. The apartment complex broke the lease, I did not. This was through no fault of my own. They broke the law for not fixing a material defect and allowing other tenants to smoke near my apartment unit, as well as unlawfully evicting me and kicking me out, and for unlawfully charging me for rents that I do not owe. I do not have an outstanding balance due and therefore there is nothing to collect and/or charge off. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. I have contacted the  bureaus to remove this however, I have not been successful.
Product: Checking or savings account

I just spoke with Ally Bank about fees for more than six transfers from my savings account. I understand the Federal Reserve Board suspended Regulation D due to the pandemic. However, Ally bank informed me by telephone that on XX/XX/XXXX, they resumed imposing fees for excessive transfers and provided no justification for this.
Product: Student loan

Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to My academic records and personally identifiable information ( PII ). My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. My IRS tax transcripts, which were obtained and used without proper authorization. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Debt collection

I notified company to dispute debt claim to be owed to them. I have requested for them to verify proper validation and yet to receive a response.
Product: Checking or savings account

Hi CFPB. I got a disaster experience from CITI bank. I am under a big potential loss of XXXX dollars and more citi 's thank point loss. 

So I currently have 4 credit card of citi banks. It is just fine. CITI always sends useless promotional emails which I usually ignore. On XXXX  XX/XX/XXXX, I received a promotional email from CITI that they wants me to open saving account, 3.4 % yield, and if I keep XXXX dollars for 60 days, they will give me XXXX $ ( it will be 3.4 % +0.9 % *6= 8.8 % yield ). Please see attachment ( citi_promisied_saving_account_they_lied.pdf ). 

I opened my CITI saving account on XXXX and I have transfered XXXX dollars at the same time to XXXX saving account. Please see attachment ( now_citi_managed_to_get_my_money.pdf ) Then you know what happened? 

They closed my saving account on XXXX after they received my XXXX dollars. Please see attachment ( this_is_how_citi_makes_money.pdf ) At the same time, they block my entire citi accounts. I not only lost access to my XXXX dollars saving account but also all my credit cards. 

I use a few days to give XXXX dollars to CITI and CITI can steal my money for years until they return me a check which they never promise a data and paying no interest for it. 

At the same time, they can easily ruin my credit score by not allowing me to access my credit card online account and not allowing me to use any cash back I have earned.

I spent hours to go through CITI 's customer service, thank you for the rude customer service, hours wasted by moving me from one and the other department in a cycle way again and again, and even the launghing in the phone call which makes me totally not able to understand what is the customer service that CITI trained for, I decide to file this claim at CFPB. The only fault I made is that I trusted CITI, but know I do not believe it is fair for me to take such big loss.