23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX, my Alaska Commission on Postsecondary Education ( ACPE ) loan was transferred to XXXX XXXX XXXX ( XXXX ). I was informed that any further communication pertaining to my loan would go through XXXX at that point. I created an account on the XXXX website, which allowed me to make payments. From XXXX of XXXX through XX/XX/XXXX, I made payments to XXXX which totaled {$680.00}. This left a balance of {$3500.00}. 

In XXXX of XXXX, I received a court notice that my remaining loan balance of {$3800.00} had gone into default and they would begin garnishing my pay. Writ of Execution paperwork which was filed with the court system states that the amount that can be garnished each paycheck is {$610.00} XXXX informed me in a letter that I could request a fair hearing within a 30 day time frame. I sent this request to their office within the time frame allowed. However, I never received a response. 

When I attempted to follow up with their office on this, I was told that I needed to speak to a third agency, XXXX XXXX XXXX ( XXXX ). The letter sent by XXXX, did not direct or indicate to me that this request should be sent to XXXX. 

Through several emails, XXXX continued to inform me that my account with their agency had been closed and they could no longer assist me. I was informed that I would need to speak with XXXX. 

However, when I contacted XXXX, I spoke with 2 separate individuals within their company. They could not locate any of my information in their system not my name, social security number, telephone number, etc. They directed me back to XXXX. 
When I reached back out yet again to XXXX, I was provided the same response as before that they could not assist me and that XXXX was now managing my account. 

Throughout this time, on XX/XX/XXXX I had {$780.00} garnished from my paycheck. On XX/XX/XXXX, I had {$700.00} garnished. This should leave my balance at {$2000.00}. However, the company which garnished the funds XXXX reported that my remaining balance is now {$2300.00}. 

I have a few questions : 1. Who is managing my loan? 
2. Why have I not received a follow up to my request for a fair hearing? 
3. Why have the garnishment amounts been greater than the amount listed on the court order? 
4. What happened to {$270.00} that I paid, but is now reflected on the remaining loan balance?
Product: Debt collection

Adding fees to dept without the proper " Expressed '' signed financial policy of the  Client they  represent, along with deceptive and misleading documentation. The agency, Receivables Management Systems letter sta tes one thing and the Itemized bill from their clients states another.      The FDCPA and FTC states that a debt collector  may attempt to collect a fee or charge in addition to the debt if the charge is " expressly '' provid ed for in the contract creating the dept and the charge is NOT prohibited by state law. Their  Client where the services took place is located in PA as well as myself. The state of PA the law states that in order to charge any fees, it must be expressed as to how much the consumer will be charged, their Financial Policy does n ot.     I requested an Itemized copy of the bill as well, the bill does not have these fees itemized. The collection letter from the company states   one amount and the itemized bill states another amount. The letter from RMS states " Other charges ''.
Under the FDCPA it is unfair to consumers to hide the true character of the debt, there by impairing their ability to knowledgeably assess the validity of the debt. Therefor they did not comply with the FDCPA 807 & 808 which would be to itemize the various charges that comprise the total amount of the debt.       It is the duty of the collection agency , RMS, to be  aware and understand their clients  Financial Policy when it comes to adding fees to debts. In this case the Financial Policy not " expressed '', and the itemized bill and letter are misleading and deceptive.      Thank you,  XXXX   XXXX
Product: Credit card or prepaid card

I am receiving unsolicited offers in the mail from Citi Bank. I have attempted to resolve this multiple times by opting out of paper statements, adjusting my marketing preferences, and reaching out to their privacy contact line. 

I have registered to opt out of all offers, but they continue to send me mailers. I am exhausted dealing with this creditor and their blatant disregard for my data privacy and communication preferences.
Product: Credit reporting or other personal consumer reports

XXXX 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, 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 I want the CFPB to publish this XXXX 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. XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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

XXXX EQUIFAX and XXXX are reporting a account by the name of XXXX XXXX XXXX per the FCRA and CFR as a federally protected consumer I am opting out of the utilization being reported for this account as a federally protected consumer I am opting out of any and all authorization I the consumer may have given these corporations to report the utilization for this account whether it be written unwritten verbal and non verbal per 2 CFR 910.364 - Reporting on utilization of subject inventions states unless otherwise instructed utilization can be reported to my consumer report I am now herby instructing XXXX XXXX EQUIFAX and XXXX XXXXXXXX XXXX that I do not consent for utilization to be reported for this account related to XXXX XXXX XXXX on my consumer report 2 CFR 910.364 - Reporting on utilization of subject inventions also states the information supplied in a utilization report is privileged and confidential and that only the Government is allowed to be disclosed all the information included in a utilization report this includes all transaction history between I the consumer and XXXX XXXX XXXX. XXXX XXXX and EQUIFAX are not the Government they are credit agencies the utilization being reported is a violation of 2 CFR 910.364 - Reporting on utilization of subject inventions due to the fact XXXX XXXX XXXX disclosed the utilization report to non government agencies. This account is also being reported as charged off on my consumer report a charge off is considered a certificate of indebtedness which means it is income income is non public information and that non public information being reported on my report is a violation of my privacy rights under the privacy act of 1974. The account is also being reported inaccurately XXXX shows the date the account was last active as XX/XX/XXXX while XXXX shows XX/XX/XXXX and EQUIFAX shows XX/XX/XXXX this is a violation of 15usc 1681b reasonable procedures it is required by all consumer reporting agencies to report information which is fair and equitable to me the consumer in regards to accuracy and confidentiality. The reporting of this account is unfair and inequitable to I a federally protected consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX 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: Mortgage

When Shellpoint Mortgage bought my mortgage there were no problems at XXXX. But then when my payment jumped up to {$800.00} more a month, I called to see why. I was then told that I was not on the mortgage and no one was able to speak with me about this. The only people listed on said mortgage was my brother and my XXXX  mother. My brother and I are estranged and do not communicate. I did ask what documents were needed to prove that I was indeed her daughter and the executor of her estate. I was not given any help as to what needed to be done to rectify this issue in a timely manner. I had to call numerous times to get little pieces of instruction on what to send and to whom to send it too. I had faxed this company on the dates of XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. When I did try to pay the mortgage, because the amount was wrong, they would hold it in another account and not apply it to the mortgage. After all of this, I found out that the mortgage company billed me because they didn't think insurance was on the house and insurance was on the house through XXXX during this time. I have sent them proof of insurance at the time to no avail. I was able to get someone to talk to me after a foreclosure sale date was set. I paid the money to stop the foreclosure sale and have sent in the paperwork for help with the mortgage to Shellpoint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had major XXXX which resulted in XXXX XXXX from XXXX XXXX. I was incapacitated for several weeks after the XXXX and consequently, I was unable to function normally. I called the bank and let them know the extenuating circumstances I was dealing and to ask they forgive the lates that are currently reporting on my credit report and remove them. The representative I spoke with assured me, due to the circumstances beyond my control, they would request the late fees reporting be removed. The bank unfortunately did not keep their word. I was not aware there were lates reporting on this account until I obtained a copy of my most recent credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

I first received notice from my home insurance company ( XXXX ) that my escrow payment for the year hadn't been received, on XX/XX/XXXX. I immediately contact my mortgage servicer, First Home Mortgage Corporation and informed them of the issue. They stated they never received the invoice, so the insurance company emailed the invoice directly to the email address provided by the servicer ( I was CC'ed, so I have evidence of the email and invoice going out ). I then received another email from my insurance company on XX/XX/XXXX stating they still didn't receive the payment. So I contacted my servicer again and provided them the information the insurance company requested as proof of payment in order to avoid cancelation of the policy. I never heard back from the servicer. Then today, on XX/XX/XXXX, the date my policy is set to expire, I receive another email from my insurance company stating they are cancelling my policy because payment was not received. I had to pay the insurance escrow payment out of pocket to avoid my policy being cancelled. It is nearly impossible to get a real person on the phone at First Home Mortgage, let alone one who can actually address the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquiries dated XX/XX/XXXX, 2017 from XXXX XXXX XXXX. I did not authorize this or sign anything to have my credit pulled.
Product: Credit card or prepaid card

I have a credit card with XXXXXXXX XXXX XXXX XXXX 

The interest rate is stated to be 26.49 % which is excessive and I don't recall that being the agreed upon interest rate. 

Second problem is that I charged an item for {$63.00}. I made two partial payments and then the balance. I noticed on this most recent statement that XXXX 's charged me {$2.00} each month as a " minimum interest fee. '' The most recent balance was {$13.00} so a charge of {$2.00} interest would be 15.3 % of the balance amount which is an actual APR of 183.626626 %. 

There should be a law to protect consumers on this type of theft by corporations. 

I contacted the company and they state that 'it is simply their policy and if I didn't like it that I am welcome to cancel my credit card account. '
Product: Debt collection

Debt was added to credit report without proof of debt. It is hurting my credit and causing application denials.
Product: Credit reporting or other personal consumer reports

I am in the mist of getting my credit in line so i can move my family into our first home, but when looking at my report i have multiple name addresses and social security numbers that are not mines, i have reach out to all 3 credit bureaus and giving them my full name XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my job history should not be on there nor my social security for privacy reasons. please help rectify this matter and fix this ASAP!!! i request to get my personal information updated in XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

their is no reason for this agency to put any information on my report that will damage my score. 
the balance states XXXX but my score decreased and this item was deleted in the past.
Product: Credit reporting or other personal consumer reports

this company reported an account and then updated it to delinquent, how could it be that the payment history changed from unknown to XXXX XXXX then XXXX XXXX to unknown this is very inaccurate and this is hurting my profile
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of XXXX I took a loan out with XXXX XXXX for vehicle repair services. The agreement was for {$120.00} every two weeks. The card information was updated, and they charged the wrong card by accident. I received a call from XXXX XXXX  and missed it. I called back and spoke with an agent. She stated we were in a recorded line, and it was an attempt to collect a debt. I told her about the updated card info and stated the payment could be processed. I next asked about XXXX XXXX  no longer conducting business in NC due to unfair and deceptive business practices. XXXX XXXX charged my account four different times during a 30-day period. I committed to pay every two weeks. My card was charged {$120.00} on XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Once the deceptive practices were brought up, the representative became belligerent and extremely rude. She started cursing and stated regardless, you us the money and we will collect from you. We will debt your account as we please and all you can do is pay. Next she hung up on me. I tried calling back to speak with a supervisor. I got the run around from XXXX. XXXX asked me to hold. The first time I called back I was on hold for 45 mins, then I was hung up on. The second time I called back I was on hold 60 mins and then hung up on. I called back a third time and was placed on hold. I have not been able to call and get another representative on the phone to speak about the overcharges to my card. I have been harassed and overcharged by XXXX XXXX XXXX XXXX  was upset that I mentioned they are no longer allowed to conduct business in NC due to unfair and deceptive business practices and should not have given me a loan in XX/XX/XXXX. XXXX XXXX was ordered to stop operating business in several states and should have not accepted my application in XX/XX/XXXX. Now XXXX XXXX  has started taking money from my account unscheduled and refusing to connect me with a supervisor to discuss the issues I'm experiencing with their services and representatives.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX {$20000.00}
Product: Debt collection

I have repeatedly written this company for validation of this debt and they refuse to respond
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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
Product: Student loan

I refinanced my loans with NaviRefi after repeated emails that were spaced approximately 4 days apart beginning in XXXX. I finally refinanced with them beginning on XX/XX/XXXX. I was not notified specifically that the loans that they refinanced were federal loans. The representative went through the list of loans, and by interest rate they were refinanced. These loans were federal loans that I have now lost the ability to gain forgiveness on although I am eligible for PSLF. They used their contract with the government to be able to access not only my loans they were servicing but other federal loans to benefit. It is another case of Navient benefiting at the cost of their borrowers. I contacted them this evening to obtain the information from my loans as well, as none of the information is on their website. Due to their required transparency PSLF eligible borrowers are now being notified, however, they did not do their due diligence prior to converting my federal loan into a private one.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  : Account number : XXXX, XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Account number : XXXX, XXXX : Account number : XXXX XXXX XXXX ( Original XXXXXXXX XXXX  ) : Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXXXXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

OneMain Financial showed on my credit report even months after the car was repossessed that it was still delinquent payment even though they had already sold and liquidated asset and didn't report real value of car or apply correct earnings received to debt accused
Product: Student loan

I was supposed to take out loans XX/XX/XXXX I have not taken out any loans I'm XXXX XXXX XXXX XXXX have no interest going to school now when I called to check on them when it hit my credit report they could not pull any information up by my phone number my name my email or my address only by my social security number and the information that they have under my birthday and social security number name is not mine I've been back in Virginia since XXXX XXXX about my son back to bury him here I've only lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX and now I'm in XXXX have tried to reach out to these people several times they keep saying I need to talk to the supervisor after being on hold 4 hours to get with them then I've got another 5 hours before I finally hang up this has been ongoing since the end of XXXX when it hit my credit report through XXXX XXXX not the three major ones so I done a police report lock my credit and put a statement on my credit reports first come out it was only like {$1400.00} now it's up to {$3200.00} Mohela has added more to it have requested information cuz I know to do the student loan you have to prove who You are got nothing from them credit bureaus are no help they just certify that it's alone in my name have filed report with XXXX feel like I'm beating my head against the wall
Product: Checking or savings account

I opened my new checking account in the CITI Bank on XX/XX/2023. I was trying to make a deposit, but it was not working. And then, I was trying to reset my password when my CITI online banking login was not working and contact customer service. They said my phone number was not working. They wanted me to get letter from them. On XX/XX/XXXX, I got the letter, and told them reference number, then they told me my account was closed out and they ended relationship with me. They didnt tell me reasons. I just made deposit for a few times, right now my money was locked into my bank account and I couldnt get them out.