23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was recently transferred to Mohela for XXXX servicing. 
Mohela will not allow me to set up additional payments under auto-pay that target a specific loan. 
i.e. base payment is {$220.00}, but I want to pay {$250.00} a month and make sure that the extra 30 hits a specific loan. They instead take the {$30.00} and split it equally across all of the loans. Their solution was that I need to call in every month to make the extra payment on a specific account. 
This is not a complicated process for them to implement online and every other bank in the world can handle this simple request. 
The ONLY reason not to do it is because they know over the long run they will make more money in interest this way. This is intentionally making the process of paying off debt sooner more tedious. 
This is one of the deceptive practices that should be rooted out immediately. 
Plenty of documentation if available online over consumer psychology that shows people will forget to call in because its extra steps. They know it and are using it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letter back in XXXX then again in XXXX but no changes this is destroying my life. There are too many loopholes and stategies in the system I am XXXX citizen Father of XXXX who works extremely had for everything I have today. This Collection was placed months ago but with work and not monitoring the credit I didnt Know of it. I believe this could have been one of my fellow family members using my information but I personally never lived in New york. This account is not mine simple, information on the account is the following : XXXX XXXX Date opened : XXXX XXXX Status date : XX/XX/2021 XXXX charge account-collection
Product: Debt collection

I was contacted about an outstanding balance for an account with an energy company " XXXX XXXX '' based in Texas which has gone into collections and has already impacted by credit score. The amount is roughly {$500.00} unpaid from XXXX of XXXX, the collection attempts began in XXXX of XXXX. I contacted the three credit agencies to freeze my accounts, one of which investigated and determined it to be fraudulent and requested I contact the company directly. They advised me to file a police report and a report with the FTC ; I was then directed to CFPB.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding my credit card account ( account number ending in XXXX ). From XXXX to XXXX [ year ], I was XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( XXXX ) due to a XXXX XXXX XXXX During this period, I was XXXX  unable to manage my financial obligations, resulting in missed payments on my XXXX account. 

I have been a responsible and diligent customer of XXXX for many years, maintaining a positive payment history prior to this XXXX XXXX. However, due to my unforeseen and unavoidable XXXX XXXX I was unable to make timely payments. 

I am requesting a goodwill adjustment from XXXX to remove the late payment marks from my credit report, considering the extraordinary circumstances of my XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unfair reporting of their credit information. While the FCRA does not specifically address XXXX XXXX, it does emphasize the importance of accuracy and fairness in credit reporting
Product: Debt collection

Citibank, N.A/ The Home Depot account XXXX was charge off date XX/XX/year> which means they file a 1099c on taxes as a profit loss which means they should of send me a 1099c so I could of file on my taxes that I never receive
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the numerous attempts I have made to rectify fraudulent items on my credit report with 3 Credit Bureaus. Despite my continued efforts to have these fraudulent entries removed, they persist, and they are causing significant damage to my financial well-being.

Over the past several months, I have made multiple attempts to dispute and remove these fraudulent items from my credit report. These fraudulent entries are not only inaccurate but are also severely affecting my credit score and my ability to access favorable financial opportunities. Despite providing the necessary documentation, I have received several responses from your bureau indicating that these fraudulent items have been verified as accurate. 

I want to emphasize that these fraudulent items are indeed inaccurate. I have attached the relevant documentation supporting my claim. It is crucial that these discrepancies are resolved urgently to prevent further harm to my financial reputation. 

Enclosed, please find the following documents : A copy of my credit report with the fraudulent items highlighted. 
Copies of documents proving the fraudulent nature of the entries. 
Any previous correspondence I have received from your bureau related to my disputes. 
I kindly request that you conduct a thorough investigation into this matter and promptly remove these fraudulent items from my credit report. Doing so will help restore my creditworthiness and prevent me from being unfairly penalized for fraudulent entries that are not my responsibility. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect that this dispute will be resolved within 30 days. I also request that you provide me with a written response detailing the results of your investigation, confirming the removal of the fraudulent items, and a free copy of my updated credit report. 

Please acknowledge the receipt of this letter within 15 days and keep me informed of the progress throughout the investigation process. I am asking for your assistance to remove the following fraudulent items in mycredit file : XXXXXXXX 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 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
Product: Money transfer, virtual currency, or money service

I am on Digit and they are stating that they are unable to transfer funds/link my acct with my checking acct. please fix this issue.
Product: Credit card

I had extremely awful experiences with AMEX the team members like XXXX, one of the floor supervisors and XXXX, who attacked me as I tried to explain the situation. I was requesting a partial refund for my platinum card as I only used it 2 months out of the year. The platinum card that I am requesting for a full refund or partial is the card ending XXXX. I am being charged for a full service of membership even though I only received 2 months worth. I tried reinstating but nothing worked. I am requesting a refund. Thank you. I am requesting the company to reinstate my account or partial refund which they did not provide and closed my previous report.
Product: Credit reporting or other personal consumer reports

Equifax continues to let collection agencies to report as credit accounts. I have disputed numerous times only taking one day to respond to a dispute. They have let these accounts report for years and let them act as credit accounts.
Product: Credit reporting or other personal consumer reports

My private information was used in data breach as well as I am victim of labor XXXX  a adverse Letter has been filed and sent with no response from XXXX XXXX XXXX below accounts showing inaccurate information and according to fair credit section 605b I was promised accuracy, and it is illegal to report information on my credit report without my permission. Please remove these items from my credit report Immediately. 

Public Record XXXX XXXX XXXX Inaccurate information Quality Acceptance Llc closed XXXX Inaccurate information Quality Acceptance closed XXXXXXXX XXXX Inaccurate information XXXX XXXXXXXX closed Inaccurate information XXXX XXXX closed Inaccurate information XXXX XXXXXXXX XXXX XXXX closed Inaccurate information XXXX bank closed XXXX Inaccurate information I requested copies of contracts and original signature for verification I didn't get a reply back but a remaining resolution of inaccuracy, reporting on my credit report as valid.
Product: Debt collection

Contacted First federal credit XXXX to send proof of debt validation with proof of signature that the debt is mine and they responded they sent a hospital bill which doesnt clarify the debt is mine with no proof of signature
Product: Credit card

XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have XX/XX/XXXXas soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Debt collection

This company states I owe a debt to them. I have no knowledge of any debt owed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX am the victim of identity fraud company name XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX BANK XXXX, XXXX, XXXX XXXX XXXX, have fraudulent accounts on my credit profile that needs to be moved immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. Theses are the accounts that Ive marked as inaccurate XX/XX/year> XXXX XXXX XXXX  {$260.00}.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the XXXX person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

ACCOUNT : XXXX XXXX XXXX, AMOUNT {$210.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$600.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$1200.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX AMOUNT {$2700.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$840.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$3600.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$1200.00}, ACCT # XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, IL. XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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: Debt collection

Recently around XX/XX/XXXX I checked my credit report to see what my score was and notice that I received a notification in the early part of XXXX. Upon checking the notification it mentioned a collection account that I have no knowledge of in addition have not received any notice that shall be sent pursuant to the FDCPA. Since I did not receive said notice, that is a blank violation of the FDCPA and this company is liable under 15 USC 1692k. This notice would have gave me an opportunity to dispute any information or dealings with this company prior to the negative item being reported on my credit report which is a violation of the FCRA. This item being reported is not only a intrusion of my privacy, a violation of federal laws, it as well ruining my reputation. Since my consumer rights have been violated I am forced to take legal actions via suit or the matter can be settled outside of court.
Product: Checking or savings account

This complaint has never before been submitted. It's not a double Subject : Formal Complaint Military Account Misclassification & Wrongful Fees Dear CFPB Representative, I am filing a formal complaint against Chase Bank for failing to properly classify my account as a military account, despite my status as a 100 % permanently and totally XXXX veteran. This failure resulted in excessive and wrongful fees totaling {$600.00} from XXXX through XX/XX/year>. 


-- - Denied Access to Military Account Benefits Chase initially instructed me to visit a branch to switch my account to a military account. However, when I complied, the branch manager denied my request and refused to disclose the reason. This constitutes : 1. Failure to provide military benefits to a qualifying XXXX veteran. 


2. Unfair and deceptive banking practices. 


3. Obstruction of federally protected rights under military banking policies. 



This refusal directly prevented me from accessing benefits that I rightfully qualify for as a veteran. 


-- - Wrongful Fees Charged Due to Military Account Misclassification Because Chase refused to classify my account under military protections, I was wrongfully charged fees totaling {$600.00} from XXXX through XX/XX/year>. 

Under federal protections for military members and veterans, Chase should have : Waived fees for military-designated accounts. 

Ensured my VA benefits were protected from improper charges. 

Provided the benefits associated with military banking policies. 

Allowed me to switch to a military account without obstruction. 


Chases actions caused unnecessary financial hardship and violated the protections granted to veterans under military banking policies.

-- - Requested Actions I formally request the CFPB to investigate and enforce military banking protections and order Chase to : 1. Reimburse all improperly charged fees totaling {$600.00} due to misclassification of my account.

2. Properly classify my account under military protections and ensure all future fees are waived accordingly.

3. Investigate Chases systemic failure to comply with federal laws protecting veterans ' benefits.

4. Investigate Chases discriminatory and deceptive refusal to allow a qualified veteran to switch to a military account.

5. Compensate me for financial losses, time spent, and the undue distress caused by Chases failure to provide military banking benefits. 



As a 100 % permanently and totally XXXX veteran, I rely on my VA XXXX benefits for essential living expenses. Chases wrongful actions have caused me financial hardship and unnecessary stress. I expect immediate restitution and a full investigation into Chases handling of military account benefits. 

Please confirm receipt of this complaint and provide a timeline for corrective action.
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 XXXX XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX Account # : XXXXXXXX XXXX XXXX  XXXX Account # : 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted three credit disputes with Experian on XX/XX/2023 we have dated time stamped recite. Experian failed to investigate 2 of the disputes submitted as of XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XX/XX/2023. 

I physically when to a XXXX dealership to purchase a car with a check in hand, with my prequalified letter from my bank proving the check off {$55000.00} was used to purchase a car. 

XXXX bait and switch the contract by forging my name to their in-house deal contract without my knowledge, and proceed to run my credit to multiple financial institution deflating my credit score to low XXXX to appending a high percentage rate of 15.70 % to the price tag of {$28000.00} blooming the price of vehicle to {$44000.00}? 

Leaving me to defend the excessive inquiries and now reporting to my credit with derogatory remarks as of XX/XX/2023.
Product: Debt collection

Capital Accounts attempted to collect a debt. I did not owe the debt and asked for more information. I received a letter from them on XX/XX/18 confirming that the account was cancelled and has been removed from three national credit bureaus. I received another call about the same debt on XX/XX/18 and told them the account has been cancelled. I faxed over the letter that they sent me stating that the account was cancelled. I asked for a response in writing, which I did not receive. They called again today trying to collect the debt.
Product: Debt collection

Responding to Navient recent letter to collect a debt. I have no debt to Navient. Those student loans you typed on your letter of indebtedness page 2 of 9 are not mine. I never had loan with Sallie Mae Trust. Send Sallie Mae Trust license number. Send a copy of each Promissory Note loan listed on page 2 of 9 : XXXX {$3100.00} XXXX  {$4200.00} XXXX {$5900.00} XXXX  {$4400.00} XXXX  {$6900.00} XXXX {$7500.00} XXXX  {$2900.00} XXXX  {$5600.00} XXXX {$5800.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$7000.00} What does Sallie Mae XXXX mean and where is the entity located. If you can not supply a copy of the all the Promissory Notes then you do not have an Debt to collect. Sent page 2of 9 Section D1 Holder Name and Mailing address. Also what is the legal name of Sallie Mae Trust and 2004 location.