23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX Hello Consumer Financial Protection Bureau : I am a XXXX XXXX XXXX and was finally accepted by the Public Service Loan Forgiveness Program in XX/XX/XXXX. At the time, my loans totaled {$25000.00}. My monthly repayment was at {$40.00}. 

But it has progressively increased and now it has climbed to {$290.00}. I called the servicer, Fedloan, multiple times but no luck ( long wait and no callback ). And when I called this week, I heard a message about customer centers closing down due to Covid 19. Yesterday, I tried to send an email on Fedloan 's website, but it failed. My email was dropped. 

I am very concerned as the amount past due increases. As a XXXX XXXX XXXX, I have had only a 3 % pay increase per contract ; I did earn extra income XXXX XXXX XXXX but it went to buying a car to replace my 14-year sedan that was beyond repairs. 

In short, I am filing a complaint on the poor customer communication provided by Fedloan, and more importantly, on the way how repayments are calculated because what has happened to me is unfair and impossible for me. 

I look forward to hearing from you soon. 

Thank you! 
~XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

My loan was with Saxon in XXXX. Saxon sold to Ocwen. We had a variable loan and knew we had to refinance to a fix, but at the time the market crashed and the value of our home plunged. The county blocked jumbo loans to refinance. We were stuck. Saxon sold to Ocwen. This was when all our problems started. Our loan started out around 2.5 %. Every six months Ocwen raised my interest rate. The contract stated the cap was 2 % over the federal, At one point, the interest rate because 9.7 %. We were struggling to make the payment. Three times we filed for modification - denied. We had to file Chapter XXXX bankruptcy in XXXX. During this time Ocwen 's record of payments were not accurate. Ocwen sold to PHH Mortgage. We now had a bigger issue. Payments were not being recorded correctly. In XX/XX/XXXX, my husband passed away. With the life insurance, the bankruptcy was paid off according to what Ocwen had filed that we owed. I was discharged and the case was closed. Or so I thought. They didn't honor the discharge. They have rejected my payments by returning them. They have threatened to foreclose. Even after sending proof that all payments were made, they refuse to accept the proof. I've asked them repeatedly to explain how the payoff was applied to my account. As of yet, no answer. The amount of interest paid in XXXX was not accurate ; they refuse to give me answers again. There is a list of 20 issues of concerns and supporting documents too large of a file to upload, so a CFPB agent suggested that I mail the list of concerns and supporting documents by mail. My agent was SO knowledgeable and supporting, that I cried from renewed hope.
Product: Debt collection

American Express has been filing for many years to investigate fraudulent transactions and have refuse to work with me the customer to correct anything. their abusive staff and agents don't even know how to communicate and engages in threatening behaviors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 accounts on my credit report that should have a XXXX balance. 

1.XXXX $ XXXX Closed account switched to XXXX, provided them with policy numbers .... payments were automatically deducted from my account. Opened XX/XX/2016, XXXXXXXX XXXX Company 2XXXX XXXX XXXX {$420.00} Closed account when we moved to XXXX, paid balance in full, it had to be in good standings to transfer and start a new service. XXXX XXXX XXXX  3.XXXX XXXXXXXX XXXX XXXX {$690.00}, I submitted at the time of visit all my insurance information. The bill was covered in full with 100 % medicaid.XXXX XXXX XXXX XXXX 4.XXXX XXXXXXXX XXXX {$45.00}, again, should have been billed to medicaid.XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$13000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$4800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX ***************** {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$890.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Original loan was created by us Dept of Education on XX/XX/XXXX. I filed for Chapter XX/XX/XXXX. At some point during the Chapter XXXX my loan was transferred to Fedloan Servicing. My Chapter XXXX was fully discharged XX/XX/XXXX with all debts satisfied. Fedloan shows that I owe them {$870.00} on the loan and the court shows paid in full. Payments from the court were paid to US Dept of Education. When I spoke with a rep from Fedloan Servicing, I was informed that it was not their fault the payments were sent to US Dept of Education and they were not recovered to them and it was not their responsibility to research this matter and that I pay it or it will go into default. My credit report shows the original loan from US Dept of Education was rendered and that it is closed. Fedloan Servicing shows the original loan amount and dates as US Dept of Education but the account is past due. I have disputed this with the credit bureaus with no success. This is also preventing me from rebuilding my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX  Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} XXXX XXXX  Balance : {$330.00} XXXX XXXX  Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$140.00} XXXX  XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I.Q. Data International Inc. has attempted to collect the incorrect amount of {$1000.00} dollars from me when the correct amount is {$240.00}. I have documentation from the apartment complex who spoke with XXXX XXXX at I.Q. Data International and confirmed the correct amount.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/year> I paid my XXXX mortgage payment with a cashier 's check for the full monthly payment at the Truist branch location in XXXX, MD on XXXX XXXX. Their receipt shows a post date ( PD ) of XX/XX/year> and a check date of XX/XX/year> ( CD ). Regardless, today, XX/XX/year>, I received a phone call from Truist Collections to make arrangements for my late mortgage payment. The gentleman explained to me any time after the XXXX of the month they can put the account in collections. 
I paid with a cashier 's check ; there should be no delay. Their account statement says payments received after the XXXX will be hit with a late fee. There is no way this should be in collections. It appears as though they are intentionally trying to put people in collections.
Product: Credit card

We initially contacted Barclays Bank about a billing dispute of {$3900.00} on XX/XX/XXXX and responded to their letter immediately with explanation of the dispute to XXXX. On XX/XX/XXXX, I faxed to Barclays, XXXX a letter ( again ) with detailed documentation explaining the details of my billing dispute. We booked a reservation with XXXX in XXXX, XXXX for XXXX. The XXXX XXXX Wildfires broke on XX/XX/XXXX that continued on XX/XX/XXXX and XX/XX/XXXX. 10 days before our proposed reservation, I was in communication with XXXX and the Host. I emailed the Host to informed her that the Office of the Governor, State of Hawaii, issued a Third Proclamation Relating to the Wildfires ( enclosed copy of the Proclamation in the email ). The Proclamation declared a " state of emergency '' to the counties of XXXX. Communication was cut off and forced closure of roads and schools, evacuations in the XXXX XXXX, XXXX and XXXX ( this is the location of the XXXX condo ) area. The wildfires caused catastrophic damage and destroyed the infrastructure of XXXX NOT to mention the number of people who lost their lives and are homeless. The resources were very limited. ONLY ESSENTIAL TRAVEL TO XXXX. ALL NONESSENTIAL TRAVEL TO THE ISLAND OF XXXX IS STRONGLY DISCOURAGED AS INDICATED ON THE GOVERNOR 'S PROCLAMATION. I also received numerous cancellation notices from all the XXXX XXXX that we enjoyed dining. These restaurants were destroyed by the wildfires. XXXX XXXX and XXXX XXXX XXXX gave us immediately refund with no questions asked. Under these circumstances, how can you enjoy your vacation specifically in the " XXXX area ''? Ground zero of the wildfires and devastation. XXXX was destroyed and the local people are suffering not mention homelessness and lives lost. Total chaos! All the news media outlet was broadcasting the wildfires devastation for days as well as tourist trying to leave the island. XXXX people have flown out of the XXXX XXXX since XX/XX/XXXX. " Essential travel only to XXXX '' during our proposed XXXX reservation. In fact, the Governor of Hawaii, various non profit organizations as well as the XXXX people were asking for help such as food, water, shelter, etc. and financial assistance. How do you go and enjoy your vacation when there's devastation in XXXX where's you're staying and people suffering?
Product: Mortgage

the assignment of mortgage from XXXX financial services in XXXX 2000 ... ... to XXXX ... ... was decietful, erroneous, and fasely tailored with deception this assignment recorded in XXXX XXXX public records is missing my sister 's name. this is not a typo error as the original document recorded by XXXX has her name ... ..XXXX went bankrupt prior to the assignment and had its hud violations later XXXX had an automatic dissolution ... ... anyone can view these documents I wish I had years ago
Product: Credit reporting or other personal consumer reports

Here 's a draft dispute letter to the CFPB stating you are a victim of identity theft due to an unauthorized XXXX XXXX card account on your credit report, including relevant laws : [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] Consumer Financial Protection Bureau Consumer Response Center XXXX XXXX XXXX XXXXXXXX, VA XXXX Re : Dispute of Unauthorized XXXX XXXX Account - Victim of Identity Theft Dear Sir or Madam : I am writing to dispute an unauthorized trade line that has appeared on my credit report from all three major credit bureaus ( XXXX, Equifax, and XXXX ) for an account with XXXX XXXX XXXX XXXX. I am a victim of identity theft, and this inaccurate entry is a result of fraudulent activity for which I am in no way responsible. 

I have never opened or authorized any credit card or account with XXXX XXXX. This derogatory trade line is completely illegitimate and erroneous. Its presence on my credit report is clear evidence that my personal identifying information has been compromised and used criminally without my consent to open this account fraudulently. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumer reporting agencies must block the reporting of any information that the consumer identifies as resulting from an alleged identity theft, initiate reasonable procedures to prevent re-insertion of the item, and notify the furnisher of the information within 5 days.

Additionally, 15 U.S.C. 1681e ( b ) requires credit bureaus to maintain reasonable procedures to ensure maximum possible accuracy of credit report information. The presence of this fraudulent XXXX XXXX account blatantly violates these FCRA provisions. 

As an identity theft victim, XXXX XXXX account has already caused me significant financial hardship, distress, and damage to my credit standing through no fault of my own. I am demanding that you promptly investigate this issue, block the unauthorized XXXX XXXX account as resulting from identity theft per FCRA requirements, and remove it permanently from my credit report to allow me to begin repairing my credit. 

Please provide me with the written results of your investigation and actions taken within 4 business days as is mandated for identity theft disputes under the FCRA. Failure to remove this fraudulent item expediently will leave me no choice but to pursue all legal remedies available to me as a consumer victim, including statutory damages. 

Enclosed are copies of my credit reports highlighting the unauthorized XXXX XXXX account, as well as a copy of my identity theft affidavit. I am counting on your agency to enforce my rights and clear my credit report of any criminally fraudulent entries.
Product: Debt collection

I received another mail from california business bureau inc stating that that they are trying to collect the debt I owe at the XXXX XXXX XXXX the amounts are {$390.00} and the other amount is {$210.00}. They are making up those false charges. I don't know anything about it. Their number is ( XXXX ) XXXX. Last time they said that I owe {$130.00} and {$250.00} on the year 2017. They are making up false charges. They said that I already paid through XXXX and I asked them the number of XXXX  and they hang up on me.
Product: Credit card or prepaid card

On XX/XX/XXXX filed a written CARDHOLDER DISPUTE FORM with issuer for an unauthorized transaction in the amount of {$1.00}. Thereafter on XX/XX/XXXX, issuer responded saying that I will be refunded by mail with a new gift card in the amount of dispute. It is now nearly one month later and I still do not have the refund/new card. The case # is XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to resolve this issue with the loan servicer for quite sometime. They have changed names so much it's hard to keep up with them. Direct loans were the loan servicers for these loans and i have asked them to show me a wet signature showing that I requested these loans and received them. There has been no compliance with validating the debt and it has been ruining my credit for over 10 years. I would like them to remove this from my credit report due to the fact that, there is nothing validating the debt, I have tried to contact them to resolve the problem but the credit bureaus continues to say that the debt belongs to me. I am ready to take this to court if necessary because the response from the loan servicer has always been validating the debt without showing proof. It has affected my life mentally and physically. Pain and suffering is just the tip of the ice burg with what its done to my life. If they do not get this off of my credit report, that is the next step I am taking, no more no less.
Product: Checking or savings account

I opened a checking account online with Citibank on or about XXXX XXXX. I also made transfer from my main bank XXXX XXXXXXXX XXXX for {$25.00}. Also 2 direct deposits were made into the Citibank account via employer payroll. I also deposited a check from my XXXX XXXX account ( check # XXXX ) for {$600.00} into the Citibank account. 

I tried to log in and it wouldnt let me. I called them and they said my account was on hold being investigated and it would be 24-48 hours before reasonable answer they hung up on me. 

Meanwhile I had written a check from that account which will now bounce and cause overdraft fees from my XXXX XXXX XXXX account. Please HELP! I need my money to pay bills. I read there are thousands of similar complaints with Citibank, said it will take about 60 days to get my money back via check from Citibank. I asked why e I can take the freeze off the account. I called back was told my account has been closed by them, no reason given to me
Product: Credit reporting or other personal consumer reports

I am filing a Complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigations.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently respond 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, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

S 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 Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are reporting a late payment for account XXXX XXXX when the company stated that they submitted an update to the credit bureaus to remove the late payment. This response was submitted to me on XX/XX/2023. The company stated that the credit bureaus would update it within 30-45 days, but it will soon be 60 days and this is still not updated. The complaint ID is XXXX where you can see the attached letter stating that they would update the credit bureaus. I will also attach the letter along with my ID. I am demanding that this account is updated within 15 days or I will pursue legal action.