23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Today, I received two electronic letters from MOHELA detailing my new loan repayment plan. The loans have been unconsolidated, the number of remaining payments have changed, and the interest has been re-added to the principal.

Last week, I was informed that my loans were being placed in forbearance while MOHELA reviewed them and would potentially lower my monthly payments.

These communications are misleading and have caused unnecessary duress. I am also an educator in the public sector working towards PSLF, and all of my payment history has disappeared and is nowhere to be found on either MOHELA or Studentaid.gov. Studentaid.gov still reflects the correct remaining balance. This is an absolute XXXX Fix it, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following :. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account :. Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or TransUnion } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
Product: Checking or savings account

XX/XX/XXXX check for {$27.00} mailed at corner mail box XXXX made credit card payment with balance of about {$2300.00} left in checking account XX/XX/XXXX attempted to take out {$1000.00} form checking not enough funds to cover called bank said between my signature and the rest of check definite difference in printing style appears to be fraud went to bank partially closed out account to allow some funds entered into account XXXX XXXX  filled out affidavit i believe opened new checking went back to check on progress waiting for refund 7 days later told still doing investigation waited again still investigation waited more went to branch still investigating week later told filled out affidavit wrong branch manager said XXXX  it was filled out correctly later called XXXX XXXX  with branch manager talked to fraud XXXX  kept checking with the back room than gave us update then back room then update still investigating XXXX XX/XX/XXXX this is way too long to be without my funds how do i pay my credit card to them w/o my funds
Product: Credit reporting or other personal consumer reports

For the past few years I have been going back and forth with XXXX XXXX with the way they handled my loan.I was involved in an accident and my insurance company came and got the car from my possession.During this process insurance company needed the title to get rid of the car and XXXX XXXX and insurance company were both asking me for the title that I didnt have because XXXX XXXX had the title.I was charged almost XXXX for this title that I didnt have and because of me not sending the title I was given a voluntary repossession on my report even though the loan is XXXX percent paid off.when I spoke to XXXXXXXX XXXX they agreed they made a mistake on there end but Im still left with this repo on my account I ask it to be removed from my account due to there mistake.This has been going on for a few years and they just realized they made a mistake.If you look at there replys from my old complaints they were asking for a title that once again they always had in there possession
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to 15 USC 1681 section 602 ( a ) states I have the RIGHT TO PRIVACY. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX in the amount of {$930.00} XXXX XXXXXXXX XXXX Account # XXXX in the amount of {$250.0XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX in the amount of {$600.00} XXXX XXXX XXXX XXXX  Account # XXXX in the amount of {$1200.00} in the amount of {$970.00} are in Violation of the LAW. 

15 U.S.C. 1681 section 602 ( a ) section ( 2 ) A consumer reporting agency can not furnish an account without my written instruction 1681b. Permissible Purpose of consumer reports ( a ) In General subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer, to whom it relates.
Product: Credit card

I had filed multiple disputes with CHASE CARD SERVICES for Unauthorized Use of my Account while being incarcerated, Again Unauthorized Use, Identity Theft, Fraudulent Charges, NOT THE OWNERSHIP OF THE ACCOUNT.

Every single Time I dispute these Unauthorized, Fraudulent Charges, CHASE respond by sending me a letter stating that they verified that this account belongs to me- CHASE BANK own policy XXXX Liability Protection - XXXX Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information.

However, Every single Time I dispute these Unauthorized, Fraudulent Charges, CHASE bank act like they Don't Read my Dispute - So here, I'm requesting that CFPB investigate whether CHASE CARD SERVICES does comply with the requirements set forth in the FCRA. The Dispute is about unauthorized use of My Account by an Unknown Person while being incarcerated. I Dont want CHASE to respond by stating that this Account Belongs to me, If this Account didn't belong to me, I won't be disputing those unauthorized charges.
Product: Credit reporting or other personal consumer reports

I have noticed that I have had hard inquires on my consumer report that does not belong to me. as well as Bank account listed by the following companies XXXX XXXX, XXXX XXXX Per 15 USC 1681 please remove the following accounts below. 
XXXX XXXX  Account ( open ) XXXX XXXX XXXX {$23000.00} XXXX XXXX ( open ) XX/XX/XXXX XXXX It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. Collections 15 US. Code 1692c and Hard inquires 15 US.code 1602p All must be removed. I am also opting out of all secondary bureaus holding any negative information must come off reported by XXXX, XXXX, Equifax This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. 




And it must happen within XXXX business days. Due to me filing my XXXX Report. This law states that if you file a police report through the XXXX, it must be removed.
Product: Credit card or prepaid card

Attached are messages sent by the consumer to the company. The consumer applied for a credit card online using a generic online offer of {$150.00} after spending {$500.00} in the first 60 days. 

Advertised here : XXXX XXXX XXXX XXXX XXXX After 60 days had passed on XX/XX/XXXX, the consumer contacted the company to ask where the offer was and when it would be applied. The company claimed that a different non-advertised offer was on the account and would not honor the offer on their website claiming they " could not review it ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX collection. add a derogatory mark on my credit report per credit XXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX collection.

i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX collection did not verify my debt validation, and which shows XXXX XXXX  collection has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX XXXXXXXX # 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 record of conviction 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: Debt collection

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 XXXXCorporation Thats the link to their business. They are closed down and have done this to many others. This is not a debt I am aware of and every month it increases by {$1.00} or {$27.00} its very random. I try to dispute but nothing ever happens.
Product: Mortgage

On XX/XX/2022, I received the closing disclosure from Loan Depot stating that the bank attorney fee was {$1200.00} and the title search was {$290.00} in Section B. These fees I believe in Section B should never change from the initial loan estimate until closing. A change circumstance was never done and then on XX/XX/XXXX, I received an amended CD that put the fees to bucket C. This was 10 days after the initial closing disclosure. I believe as per TRID this is a TILA, RESPA violation and I am owed a cure of {$1500.00}. I believe that the fees in section B should never change in the first disclosure until closing.
Product: Checking or savings account

On XX/XX/XXXX, I realized there were a bunch of debit charges from XXXX to my checking account at TD Bank. The debits were small, and I only caught it because I finally reviewed the number of debits and realized that these were not from my XXXX account. I called XXXX and the charges were not associated with my account, they advised me to go to my bank. I then went to the bank XX/XX/XXXX, and they went back the 60 days and ultimately calculated over {$840.00} in small transactions were debited from my account. He entered the dispute claim, closed my debit card, and issued me a new one. claim XXXX. I received notification from the bank on XX/XX/XXXX that the claim was denied, and an error did not occur since there were more transactions during the time I reported the card lost/stolen. I called the TD Bank fraud line ( ref # XXXX ), and we realized new charges were still going through even though the original debit card was supposedly cancelled. He said to call the cops and go to the bank to get another card, since my new one was now compromised. He closed the new card. I went to the bank the next day, where the teller, called the fraud line and said they had not closed my initial card properly and it was still active until I called the night before. The teller, re-entered the dispute, claim XXXX and XXXX including the new charges, and issued me a new bank card. XXXX I received a letter from TD bank that the claim was denied again because I accessed the mobile app and should have known the charges were going through. XXXX returned to the bank and the teller placed a third dispute, now totaling {$970.00} with all the charges. Claim- XXXX. 
I called the TD Fraud dept XX/XX/XXXX spoke with XXXX and she said that since I accessed my mobile app, that I should've known the charges were going through. 
This is assumed and untrue. I had 3 accounts on my mobile app, and I did access my account, but to see if my tax return had hit my account but was not reviewing individual charges prior to the initial dispute time. I did not authorize any of the charges. There are over 50 charges being disputed from one company, and that type of activity is not common on my account either. I've never filed a dispute in over 30 years of having this account.
Product: Credit card

On XX/XX/year>, I initiated a claim on the XXXX travel insurance portal ( chasecardbenefits.com ) regarding a trip insurance matter. I provided all the required documentation as instructed by the website. However, the process has been fraught with mismanagement, delays, and privacy concerns that have severely impacted my ability to resolve the claim in a timely and fair manner. 

Details of the Issues : Lack of Transparency and Communication : After submitting the claim, I noticed an issue was flagged on the portal. However, I was not provided with a specific denial letter or explanation regarding the status of my claim. 
Upon calling the insurance adjusters number, I was given inconsistent and incorrect information. Initially, I was told no adjuster had reviewed my claim. After spending over an hour on the call, the agent informed me that an adjuster had indeed reviewed it but could not explain the denial. 

Delayed Responses and Poor Follow-Up : I was told that an agent would call me back the following Friday to address the issue, but no call was ever received. 
After three follow-up emails, I finally received a call from a new agent, who stated that the doctor 's note I provided was insufficient. 

XXXXnvasion of Privacy and Lack of HIPAA Compliance Assurance : The agent demanded that the doctor 's note specify the exact illness of the traveler. This is an unreasonable and invasive demand that violates my right to privacy, especially as the Chase portal does not specify whether the submission process is HIPAA-compliant. 
I question Chases authority to request such sensitive information and its failure to provide clarity on how it protects this data. 

Deliberate Delays Impacting Claim Resolution : Chases drawn-out process seems designed to hinder claim resolution. The delays make it increasingly difficult to secure an updated doctor 's note, as healthcare providers are less likely to amend documentation for older cases. 
It has now been over 30 days since my initial claim, and I still have not received a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX A XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

This is about the Macy 's AMEX card owned by Citi Retail Services. 1. You get no chance to pay your bill before they charge you {$2.00}, just because. 2. I called and complained and Macy 's gave me the {$2.00} back. I then had a {$4.00} credit. I purchased something about two months later on a Saturday and paid the bill ( minus the {$4.00} - through my bank online when I got home - $ got to Citi on Tuesday or Wed. I get an email notice from my bank showing a balance due that was {$2.00} higher than what I sent. I just received the paper bill and it shows that I only have a {$2.00} credit. What happened to the other {$2.00}. There is nothing on the bill showing they charged {$2.00} for anything. Yes I can call and complain and Macy 's will credit the account but that 's not the problem. Someone needs to stop this death by fee that AMEX/Citiretail is doing. You do n't have a chance to pay the bill before they hit you with a fee. If you do n't realize it, which is easy with ebills, they charge a fee on the outstanding fee on the next bill. It also does n't help that you ca n't access your account information at the Citiretail website that Macy 's directs you to. It just clocks out.
Product: Debt collection

friday XX/XX/2020 at XXXX as I reviewed credit report noticed company ( a ) had placed a collection notice on my account and had no amount owed, called said company and they advised they no longer had file and the file was sent back to another collection company when asked how was I to resolve they gave me phone number to other company when attempted to contact second collection company all I get for 2 days is various names and extensions no live person!?!?!? 

very sceptical and no knowledge of above referenced matter
Product: Credit reporting or other personal consumer reports

I have already tried to dispute these several account with the credit bureaus but they're a not doing their job. I haven't received any proof regarding their information they are inaccurately and negatively reporting on my credit reporting file for these accounts. This is very fusturating because I know for a fact they are violating FCRA laws and Metro 2 compliance standards. I have challenged these items time after time and still they are harming my credit reporting. I need them to do a proper investigation and remove all information that is not correct and provide me with physical proof. These are the accounts listed below I have attached my credit report and letters 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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested the credit bureau to investigate the inaccuracies in this account, XXXX XXXX XXXX XXXX to ensure accuracy. On XX/XX/XXXX, the credit bureau sent their investigation results stating the account was verified and updated. This can't be correct as the DATE UPDATED remains incorrect. In their credit report of XXXX, the DATE UPDATED isn't the same as the DATE UPDATED in XXXX. 
Under The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, you must provide the names and business addresses of everyone with whom you verified the information. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting or other personal consumer reports

XX/XX/year> attempted to get help from an agent and was told not available for my problem. they sent a code to me but I never received it and therefore was unable to access my account. I currently have a freeze on my account and need to be able to make changes when necessary.
Product: Checking or savings account

This is my XXXX time complaining again in cfpb for my citi bank closed account full fund not received. Suddenly citi bank closed my account without letting me know the reason and giving me my fund. They XXXX  me a lot with my money. After claiming in cfpd first XXXX times, they gave me half potion of my money. I had XXXX on my account but they only gave me XXXX but rest XXXX they never gave it back to me. Everytime i call them they never gave me correct information and everytime i call them they make me wait XXXX hours and hang up on me. Last time I claimed at cfpd, citi bank contact me and told me they think XXXX} doesn't belongs to me and they will give that money to XXXX. I have tried to contact XXXX so many times, the informed me they never received any money from the citi bank. Those money I got it from unemployment in XXXX time. All I want my full money back from citi bank, which is XXXX. I have started XXXX college and I'm paying out of pocket XXXX for my college. I didn't get any fedaral help or scholarship. I really need to get my money back from citi bank. They need to tell me where is my XXXX because they never gave me right 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. 


XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.