23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My federal student loans are now managed by MOHELA. During the pandemic I put about {$36000.00} on my loans. I then realized since I am in PSLF I do not need to do this, and I took advantage of the COVID student loan payment refund prior to XX/XX/2023. I did receive confirmation from MOHELA this was submitted and approved. In about 2-3 weeks my loan balance went back up to where it was prior to these payments.

I then asked for information on when I would receive the refund and for how much exactly. I was told twice they can not give me the refund amount and that since U.S. Treasury handles refunds, they can not give me more information. I tried to find contact information for Treasury regarding this issue, and could not. I am a federal employee and am familiar with navigating government, and I could not find anything to help. I asked MOHELA again and they answered my question with nonsense that made it clear the person did not read my question- they said I was past the cutoff, but I had already been approved and was asking about the status ( this message is attached ).

I messaged again and asked for contact information and I have been ignored since. I tried to call but the wait times are so long I can't get through. I now have about {$36000.00} floating around for the last 3 months with no way to track it, know the exact refund amount, or contact anyone to check the status. This is insanely unacceptable and scary - MOHELA was able to increase my balance instantly but refuses to provide me with information or a third party contact to track this refund. This is money I could put into the economy and it is essentially being held hostage with no ransom information.
Product: Mortgage

HSBC sent a letter of intent to foreclose on a property that was sold to and being serviced by another lender, XXXX XXXX. HSBC would not return my calls. I sent a letter to the local attorney by certified mail, responding to a notice ( asking who owned the loan, who serviced the loan, and total amount due on the loan ) and the attorney never responded in writing or returned any of my repetitive messages. HSBC filed a document with the XXXX XXXX XXXX XXXX XXXX with someone else 's name as an owner on my mortgage foreclosure documents. Someone named XXXX XXXX was signing off on my mortgage foreclosure and I don't even know her. The proof of affidavit was delivered and signed by XXXX XXXX. She was never on the loan that I acquired and never on the deed. Something wrong has gone on which is why I am unable to get any answers. Please help us.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I discovered the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to exercise its grave responsibilities to report with fairness, impartiality, and respect for the consumer XXXX XXXX right to privacy, On XXXX XXXX XXXX manually disputed USBK COURT XXXX XXXX Docket number XXXX. On your website https : //www.service.transunion.com it states to learn the identity of the third-party vendor ( if any ) that collected the public record item ( s ) in this section, please visit https : //www.transunion.com/legal/public-records. I visited the site and it states in Bold Black letter Public Records. In the paragraph following it states that TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. 

On XX/XX/2023, I received dispute results from XXXX dates XX/XX/, it states in detail that XXXX filed my dispute regarding the following data with this listed entity. The listed entity the dispute was filed with being TransUnion Consumer Relations. The letter also stated as of the date of this letter XXXX has removed the dispute information from my file. 

However, TransUnion is STILL reporting a Bankruptcy on my consumer file. On TransUnions website, it states that XXXX provides TransUnion with this information about bankruptcy. 
XXXX has disputed the bankruptcy with TransUnion informing TransUnion that Bankruptcy XXXX has been deleted and TransUnion continues to respond stating that, Bankruptcy XXXX has been verified as accurate. How? 

If the FCRA states that credit reporting agencies must report with fairness, impartiality and respect for the consumer rights, and TransUnion states that they obtain information from XXXX this is proof that this account should be blocked, deleted, and removed. Who is TransUnion verifying this Bankruptcy with? Themselves? XXXX has stated its been removed. 
Bankruptcy XXXX is reporting inaccurately and needs to be DELETED from XXXX XXXX consumer file. I am also aware that TransUnion MUST report fair and accurate reporting amongst ALL THREE BUREAUS. XXXX and XXXX have BOTH deleted Bankruptcy XXXX and updated my consumer credit report please see attached documentation. I am demanding TransUnion to block, delete, and remove this bankruptcy. This is my last step before filing a Complaint for violating the law in federal court. 


Public Records USBK COURT XXXX XXXX Docket # XXXX
Product: Credit reporting or other personal consumer reports

did not sent any evidence of properly re-investigating the debt validation
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX AccountXXXXhas violated my rights. 

: XXXX XXXX XXXX XXXX Account Number ( XXXX ) : XXXX XXXX XXXX Account Number ( XXXX ) : XXXX XXXXXXXX XXXX Account Number ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX. Account Number ( 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.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I was involved in a scam/ fraud due to imposter & authorized push scam/ fraud of {$500.00} payment through XXXX. Immediately after I sent payment I contacted my bank and told them about what happened and they told me its unlikely I will get my money back.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : XXXX am writing to dispute the following incorrect information on my credit report : 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional XXXX years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( XXXXXXXX XXXX XXXX XXXX ) XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have 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
Product: Credit reporting or other personal consumer reports

All the accounts listed are reported without my content. 15 us 6802 states none of my non-public information should be shared without my consent. An opt-out disclosure was never presented or offered to me. This is in complete volition of my rights and I demand the accounts to be deleted immediately.
Product: Checking or savings account

I am writing to seek your assistance regarding an urgent matter involving my Bank of America Business Checking Account. On XX/XX/XXXX, I deposited a check for {$100000.00} from my mother, which was drawn from her XXXX account. Unfortunately, Bank of America flagged this check as counterfeit and subsequently froze the funds. 

As a result, the money has been inaccessible to my business, causing significant financial losses. I have contacted Bank of Americas helpline multiple times, but they have not provided any effective solutions. Their representatives informed me that they can not proceed until the check 's maker verifies the funds. 

To resolve this, my mother traveled from XXXX on XX/XX/XXXX, and we visited several Bank of America branches to verify the funds in person. Despite our efforts, the staff were unhelpful and suggested that my mother recall the funds under fraud from XXXX, despite the fact that there is no indication of fraud. 

This situation has become increasingly distressing, as my business relies heavily on these funds. I would appreciate your guidance and intervention in this matter to help expedite the resolution and restore access to my funds.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX OF XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law for this matter to be resolved promptly. 

XXXX XXXX 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 card or prepaid card

In XX/XX/2020 I placed a deposit for a motorcycle rental in XXXX XXXX XXXX XXXX. Due to continued COVID travel restrictions, I have been unable to travel to XXXX XXXX since making the purchase. When I contacted American Express, I was told that I should attempt to first deal directly with the merchant. After months of negotiation, the merchant remains unwilling to provide a refund, and given the travel restrictions imposed on XXXX XXXX by the U.S. government and XXXX XXXX government I haven't been able to travel to XXXX XXXX. I will unable to ever use this motorcycle rental deposit at this point however, American Express is now unable to provide a refund because more than 60 days have elapsed since the purchase was made.
Product: Money transfer, virtual currency, or money service

My friend wanted to go to a concert and arranged payment of {$110.00} with a fraudulent seller of tickets through my personal PayPal account since he had my cellphone on XX/XX/2019. 

I did not authorize the payment, and, within an hour of him submitting the money transfer, contacted PayPal directly to dispute the charge as it was an unauthorized payment that should at no point be cleared on their end. 

They replied back that they would not collaborate as it was sent as a gift. I am seeking remediation through a higher power that sees nuances in such cases and can assist further.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Capital One closed my credit card stating they received documentation from the credit reporting agency that the account was opened fraudulently. This account was opened in XX/XX/XXXX and I've never had not one problem regarding fraud/cap one until now. The fraud case was closed and now capital one has added a new card number and late payment history when I had no control over the process. The noble thing to do was to inform that the case was closed and payments will resume as scheduled but I never had access to my account while this was taking place. Fast forward to today and I am in the process of buying a home and the late payments are ruining my chances of getting this home for me and my family. I called each credit bureau and they removed the late payments until a few days ago they were added back. Please assist me regarding this matter is this even legal for to be treated/handled like this?
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 XXXX 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, Equifax 's 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

On 5 separate occasions I requested a copy of the consumer disclosure report to which the company refuses to provide the entitlement under the FCRA. 4 attempts using the online portal and 1 attempt by calling consumer support. Still they refuse to provide the report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction of an inaccurately reported late open accounts on my credit report. This is my attempt to address this issue, and I am becoming increasingly concerned about the lack of response and resolution. It is imperative that this error be corrected immediately to reflect my accurate credit history. Despite my previous three attempts to resolve this matter, these accounts continues to be inaccurately reported. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct inaccurate information on my credit report. This error is affecting my credit score and overall creditworthiness, which is unjust and unwarranted. Kindly assist me to conduct a thorough investigation of these accounts and correct the information immediately. I request that you provide me with written confirmation of the correction within 30 days of receiving this letter. Kindly help me correct these accounts for no more late payment : XXXXXX/XX/XXXXXXXX XXXX Balance Owed : {$260.00} ; CAPITAL XXXX XXXX Balance Owed : {$300.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XX/XX/XXXXXXXX XXXX Balance Owed : {$680.00} ( Date Opened ) = XX/XX/year>XX/XX/XXXXXXXX XXXX Balance Owed : {$330.00} ( Date Opened ) = XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I had Federal Direct Student Loans, serviced by XXXX, that were fully discharged ( now a {$0.00} balance ) by the Department of Education XXXX DOE ) through their one-time XXXX adjustment in XX/XX/2023. However, XXXX continues to report a positive balance of over $ XXXX to the major credit reporting bureaus through the last XXXX monthly feeds, affecting my credit scores and ability to seek a mortgage. The DOE website shows my student loan account as {$0.00}, and I even received a refund from them for overpayment. Even XXXX shows on their website my student loan account has a {$0.00} balance, that it's in good standing, and that I do not owe any payments. 
I submitted disputes with the credit bureaus regarding the incorrect student loan balance with documentation in XX/XX/2023. XXXX even agreed with my dispute, changing my balance to {$0.00} and resulting in an increase of over XXXX points to my credit score. However, when XXXX 's last feed came through, XXXX reversed themselves, changing my balance back to $ XXXX and decreasing my credit score over XXXX points. The other credit bureaus, after concluding their investigation, just cited XXXX 's feed, leaving my student loan balances as they were. 
I fear without assistance ( CFPB ombudsman ) XXXX will continue to misreport a positive balance to the credit bureaus for the foreseeable future.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not update these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute the debt for First Credit Services in the amount of {$100.00} and to request validation of the debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

According to the FDCPA, I am entitled to request verification of the alleged debt, including the original creditors information and proof that I am legally responsible for the amount claimed. As such, I request the following : 1. Validation of the debt, including a detailed accounting of the amount owed and the original creditors name.

2. Proof that you have the legal authority to collect this debt.

3. Copies of any agreements or contracts bearing my signature that confirm my obligation to pay.

Until you provide this information, I request that you cease all collection activities, including reporting this debt to any credit bureaus, as unverified debts must not be pursued under the law. Additionally, any further attempts to collect without proper validation may be considered a violation of my rights under the FDCPA. 

If this debt is found to be valid, I am prepared to discuss potential resolutions. However, if you can not provide sufficient evidence, I expect this matter to be closed, and any negative credit reporting removed immediately. 

Please respond in writing within 30 days of receiving this letter. Failure to comply with my request will result in me pursuing further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. I look forward to your written response.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan from Best Egg. I received an email with an offer, clearly stating in large letters, " This offer expires XXXX. '' ( I have attached a screenshot for reference. ) The email presented both unsecured and secured loan options, emphasizing the secured loan as the better choice due to my homeownership. The secured loan terms were significantly more favorable. 

After considering the offer and consulting a relative in the lending industry, I decided to proceed on XX/XX/XXXX. However, when I logged in later that day, the original secured loan offer had disappeared, replaced by a less favorable one with a higher interest rate. 

Customer service explained that secured loan offers sometimes expire and suggested I reapply. While I did receive another secured loan offer, its terms were still worse than the original. 

Since the email explicitly stated the offer expired on XXXX XXXX XXXX with no indication that secured loan terms could expire earlier, I find this misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit card or prepaid card

I was making my regular monthly minimum payments to Cabela 's and Cabela 's sold my account to Capital One. My minimum payments rose to over {$500.00} and I couldn't afford to pay that much. My balance was {$8000.00}. After several attempts to get Capital One to work with me, they refused and closed my account, sending it to a collection agency, XXXX XXXX XXXX , XXXX. My on-line access was closed so I am unable to login to print out my monthly payment history. I am an on-time payer and a XXXX XXXX contract employee.
Product: Debt collection

This debt was paid. Lender is fraudulently attempting to charge an additional XXXX when lease was paid 100 %. Lender keeps reporting monthly with XXXX when lease debt was paid and car return in same condition it was leased.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX are allowing XXXX XXXX of XXXX XXXX XXXX, UT XXXX and XXXX XXXX XXXX, DE XXXX to have been making attempts to collect a debt which has not been validated ( 15 USC 1692q ), I have not given consent to furnish any information on my credit reports ( 15 USC 1681a2 ), as well as reporting inaccurate information puts them in violation of 15 USC 1681i ( 5 ). I would like communication from these companies to cease and desist, and I would like this inaccurate information removed from all of my XXXX credit reports immediately.