23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was making payments on my student loans through an income based repayment plan when I returned to graduate school in XXXX. I was placed in an " in-school deferment '' without consent. When I called to inquire, I was told this was a mandatory process and that I " could make payments but why would you? '' I was young and did not understand, so I trusted the rep. My loans changed hands so many times, it was impossible to argue the situation. I finished my degree in the summer of XXXX and was still stuck in that forbearance until XXXX of XXXX. The hassle of getting out of deferment was more complicated and I left it alone. A few years after graduating, I went back to school in XXXX and again my loans were put into an " in school deferment '' during the COVID-19 pandemic. The loans again changed hands before I could resolve the issue. As a result, I do not get credit toward Public Service Loan Forgiveness for months that forbearance was forced upon me without my consent. Because my loans have changed hands so often, I can not even remember who had my loans at each point in time. I know I have had loans through XXXX XXXX, XXXX, XXXX, and more. They are now owned by Mohela since I am working toward Public Service Loan Forgiveness.
Product: Mortgage

I was a victim of predatory lending. I applied for a refinance of my primary residence to take some cash out to do some needed repairs and updates. I am on Social Security with a monthly income of {$1900.00}. My home appraised for {$260000.00}. I wanted as much cash out that I could get and still qualify. After all said and done my loan was approved for {$110000.00}. My existing balance was {$75000.00}. I was looking at close to {$40000.00} cash out. At signing, I received less than {$20000.00} due to high lender fees and the payment was {$1200.00} per month. This payment ratio was 62 % but the loan was still approved. The loan is for an FHA loan that has a payment ratio requirement of less than 43 %. I had poor credit and no cash reserves. I was desperate to get some needed repairs so I closed. This was in XXXX and the servicing has already transfered 3 times. I have no idea how the loan got approved and am now at risk of losing my home and {$140000.00} in equity because I can not afford a {$1200.00} payment. Also, the loan did not close in a timely manner due to the loan officer and processor dragging their feet. They " missed '' my rate lock date and changed a higher rate and increased their fees. Anything needed or requested by the lender of me was provided in a timely manner.
Product: Student loan

I have been waiting for at least 5 months to receive a refund of my overpayment, totaling {$340.00}. When I inquired about the status some months ago, I was informed that these refunds are issued automatically. However, I still have not received my refund. 

I asked if the overpayment could be applied to the balance of another loan to help offset accruing interest, but I was told this is not possible. I find it concerning that my other loans are accumulating interest while Mohela retains my funds, which could have been applied to reduce my loan balance and corresponding interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnessXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX XXXX, GA XXXX Date XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Over the past 2-3years, I have been denied P2P service of PayPal Inc . I submitted several complaints regarding this company yet nothing is getting done. This year I recently try to get my account activated again so that I can send payment out to a merchant who only takes funds to PayPal. I contacted Paypal through another complaint and PayPal Executive Team got back to me claiming that I can pay off the negative balance that was sent to various collections agencies with no tracking system. Now that Im readily available to process payment to PayPal collection agency since the debt was brought back, a collection service rep told the debt has been forgiven since its been way past due. He advised me to reopen a new PayPal account with a different email and transferred me to Customer Service Dept to get that request done. Somehow customer service does not see any debt forgiven and transferred me back to Collection Dept. So this process of getting a new account is stuck in limbo. Please have an Executive Team Member stay on the phone with me and fix this issue.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Mortgage

My mortgage servicing company, Specialized Loan Servicing ( XXXX ), has wrongly double counted my tax bill estimate in their escrow calculation. I tried to reach out to them in writing, but they do not have an email address or an online form to submit a customer service inquiry - all communication must be submitted via a po box mail address, which both takes too long and is prone to getting lost. I called their phone number, and it took me XXXX hours to reach a human to express that my bill has a double count. Let me explain : my home 's reassessed tax amount was entered into the " what we estimate to be paid out '' for XX/XX/XXXX and XX/XX/XXXX, however my old tax bill amount was also kept in the same XX/XX/XXXX and XX/XX/XXXX estimates, so it's as if I need to pay a tax bill twice in both of those months. Therefore my monthly escrow amount went up by a crazy $ XXXX instead of closer to $ XXXX. When I called them, they first pushed me from the tax department to the escrow department, then back to the tax department, until they made me frustrated enough that I just had to hang up the phone because they couldn't understand whose fault it is. The answer from escrow was " we only calculate a monthly payment based on what the tax department gives us '' and the answer from tax was " we only put in the system what the tax bill comes in at ''. Nobody was able to answer why there are double payments in the same months, and I don't even have a way to prove this because they don't have a quick enough written communication system to figure this out! I am now facing a situation where I will have to pay a monthly amount that is higher than what I can afford, due to their mistake, and they don't even understand what's going on to be able to acknowledge or know how to correct their mistake!
Product: Debt collection

" I am writing to dispute the unauthorized accounts appearing on my credit report. I did not open these accounts, and I believe my personal information was compromised as a result of the XXXX data breach. I request that these accounts be deleted from my credit report immediately, as their presence is causing me harm and negatively impacting my creditworthiness. I would appreciate your prompt attention to this matter, and I look forward to a resolution. 

Please see attached
Product: Credit card

On XX/XX/2016 I Checked my online accts with USBank. I found that there were fraudulent charges on my credit card ( cc ) and XXXX debit cards ( db ) from XXXX that posted XX/XX/2016. I immediately advised USbank of the fraudulent charges. I have several accts with them and XXXX db 's and XXXX cc had charges including convenience cks, atm withdraws, balance inquiries, and point of sale ( POS ) transactions. They closed the accounts and indicated it would take 10 business days to receive provisional credit. While I was in the branch on XXXX different occasions, XXXX other customers came in indicating they had fraudulent charges. USBank has a data breech and they owe it to the consumer to notify the public! They reissued several sets of cards and I am now receiving pin numbers in the mail for my cc that I did not request. I contacted usbank several times and asked for status regarding the claims and all I get is someone will call you back. I have requested several times for calls from an investigator and no one has called back. I did receive a partial credit on my cc within the 10 business days, but not from my checking acct. I have been told I have an investigator for the pin #, one for an acct opened in XXXX, another is from an account opened in XXXX, and one for my cc. The credit for my checking acct was not credited within the 10 business days. USBank has a data breech, they need to inform the public! Consumers also need to be reimbursed for their time that this is taking by usbank paying punitive damages
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 

Account name : XXXX XXXX University : Account # XXXX Account name : XXXX XXXXXXXX : Account # XXXX Account name : XXXX XXXX : Account # XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Account name : XXXXDept of ED : Account # XXXX Account name : XXXX XXXX Account # XXXX 15 U.S.C . 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 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 and other adverse items 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 ) states 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

yes companies E open date XX/XX/XXXX 2,315 have wrote to XXXX and disputed to XXXX as well no responds back they could not say that the debt belong to me after 4 months still shows as costumer disputes this information ... ... ... .XXXX XXXX XXXX open date shows 2 diffirent dates not the write information XX/XX/XXXX on XXXX and closed on XXXX XXXX XXXX XXXX XXXX open date is XX/XX/XXXX inaccurate dates and as well on XXXX XXXX XXXX XXXX open on XX/XX/XXXX showing closed condiction ... .. 

I would love to get my credit clean so i can start a fresh start and cant due to things like this holding me back trying to better my family and buy us a house all the information i listed upabove that the credit bureau is reporting most was deleted and put right back as thanks for all your help and hope to hear from you soon thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

There are recent credit inquiries that I did not authorize XXXX XXXX  - 2 times in one day. This is not correct.
I am not sure what these 2 companies are but I have not filled out any applications for an apartment nor am I looking for an apartment. I live in XXXX Ohio not wherever these came from XXXX  XXXX  XXXX  XXXX  XXXX
Product: Debt collection

westersky gave the loan to cashcall with gave the loan to delbert servicei have been get threateding phone call XXXX that is calling from XXXX group ( XXXX ) XXXX say that i need to contact or my lawery because some serious allegations was filed. she has been call me employment and cell phone and know they started to call me husband. they told me husband that this call on the behalf of delbert service. and left him the same message. this lady has called for XXXX weeks straight. know i am getting threating calls for a XXXX states a file was giving to her and that i need to contact there office and that is is only notify me and that i have till XXXX XXXX and that XXXX XXXX XXXX bewteen XXXX and XXXX they are going to me place of employement or home. and top take that i been served
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Violation of Rights Under 15 U.S.C. 1692g Failure to Provide Proof and Proper Investigation Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX XXXX XXXX XXXX and Comenity BankXXXX  for violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. Specifically, I am requesting the Bureau 's intervention regarding the following accounts : XXXX XXXX XXXX. 

Account Number : # XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Date Updated : XX/XX/XXXX Pay Status : In Collection High Balance : {$4300.00} Credit Limit : {$4300.00} Past Due : XXXX $ XXXX Last Payment Made : XX/XX/XXXX Maximum Delinquency : 120+ days ( XX/XX/XXXX and XX/XX/XXXX ) Comenity Bank/XXXX  Account XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ( Charge-Off Balance : {$3400.00} ) Date Updated : XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$150.00} ) Last Payment Made : XX/XX/XXXX High Balance : {$4800.00} Credit Limit : {$3400.00} Issue Summary : These creditors ( XXXX XXXX and Comenity Bank/XXXX  ) and their collection activities , including XXXX reporting, have failed to provide the requested documentation and investigations related to the above accounts, which I believe are in violation of my rights under 15 U.S.C. 1692g, specifically the failure to provide verification of the debt and proof of the debt owners right to collect it. 

I request the following : Detailed Payment History : A full, detailed list of all payments I have made toward these accounts, including dates, amounts, and transaction references. 
Contract Signature : A copy of the original signed contract or agreement that demonstrates my legal obligation to pay the creditors and authorizes them to collect this debt from me. 
Insurance Claims : Proof that any insurance has been filed or applied to these accounts, and details of any insurance settlements if applicable. 
Proof of Chain of Title : Documentation showing the chain of title for the debt and proof that the current creditor or debt collector has the legal right to collect this debt, including assignment or transfer of the debt. 
I have made multiple attempts to request this documentation from the creditors directly, but to date, I have not received any verifiable information in accordance with my rights under the Fair Debt Collection Practices Act. Therefore, I request that the CFPB investigate this matter and assist in ensuring my rights are fully protected. 

Please confirm receipt of this complaint, and I kindly ask for updates as your investigation proceeds. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act of XXXX as a federally protected consumer, it is my right to privacy. 

Per the Security Exchange Act of XXXX, the certificate of indebtedness once deposit any credit balance on the account over {$1.00} should be credited to I the consumer. As the consumer in this credit transaction, I can not be late on a balance due to me the federally protected consumer. I have not received my check. 

Stating the consumer owes a debt that the financial institution agreed to discharge is a violation of oath by the trustee and their fiduciary duties.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Took out 4 separate Citibank Student Loans while in college in XXXX. 
I then entered XXXX XXXX XXXX in XX/XX/XXXX ( ironically due to being laid off by Citibank ). 
While stationed overseas as of XXXX, XXXX, the accounts were transferred to XXXX, XXXX for servicing in XXXX XXXX. During this time, I was also XXXX enrolled in XXXX  classes during the Fall XXXX and Spring XXXX, as well as Fall XXXX. 
I returned to the US in XXXX XXXX and in the Spring XXXX, I came out of student deferment, yet it was unclear to me that Citibank had changed their internal SCRA policy to a maximum of 36 months for military service. This was an extended point of contention between myself and XXXX. 
Later, I XXXX on orders in XX/XX/XXXX, of which I informed Ms. XXXX XXXX of XXXX via email on XXXX XX/XX/XXXX. We had to go back and forth several times as their system would not accept my payment due to programming issues. I submitted it on the XXXX, but by the time the payment actually posted, my account went to collections on XXXX XXXX to XXXX XXXX XXXX XXXX. 
Aside from that, I contend that I invoked my SCRA benefits prior to the account going into collection. I also argue against the charge-off credit reporting by XXXX for these accounts. 
Upon my return in XX/XX/XXXX, I was placed on orders again to Indiana in XX/XX/XXXX. Between my return and now, I contacted both XXXX and XXXX XXXX numerous times on how I can remediate this account given my XXXX  status. Associates stated they would have to get back to me, but no response was provided. 
Then, for some unknown reason, on XXXX XX/XX/XXXX, Citibank recalled my accounts from XXXX XXXX. I called the Citi Assist Help desk on XXXX XX/XX/XXXX, asking why Citi had recalled the account, to which the associated stated XXXX status. If the accounts originated with Citibank, and they are now with Citibank, how are they charged off? I suspect this has to do with my numerous inquiries and XXXX status. 
Associates at both XXXX and XXXX XXXX have been very helpful, yet it is the office at Citibank that is not forthcoming with details. They simply state I owe the entire balance and that the charge off is valid. If it was valid, why did they reclaim it from XXXX XXXX. The already received the tax write off for these monies, but still want to collect on it. Shady. As an ex-Citi internal auditor, I can say this is nothing new. 
While not explicit in the XXXX verbiage, the intent is to provide a degree of protection for single military service members such as myself, who struggle with the constant XXXX and changes in duty stations. My mailing address has changed 10 times in 10 years. So when Citi makes changes to it's policies ( say, due to a XX/XX/XXXX CFPB ruling of Citi bank lending malpractice ), I receive zero notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The revision Amex Gold card had cancelled the enrollment button of {$100.00} annual airlines credits and can only be enrolled by custom service, which is obviously a scam to harm the customs who do not pay attention. Amex XXXX Card still offer the enrollment button so it's not a technical issue but a trap in my opinion. I reached out the Amex chat team agent about my concern but the agent refused to admit this problem and offer limited help in applying the credits to my account.