23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Mohela processed my PSLF application and forgave a large portion of the loans, but not the final amounts {$2600.00} and {$2400.00}. They finally sent me a letter on XX/XX/XXXXXXXX  stating that I had met all requirements of the PSLF program and the loans would be forgiven, but those final two amounts still have not been forgiven. I emailed them on XX/XX/XXXXXXXX  about why the loans were still not fully discharged and they told me that even though I had made 174 payments and only 120 were required, they still hadn't completed their review and I would need to allow the review to complete as more months might be added ( even though I had already made 54 more qualifying payment than were required for forgiveness ). I contacted them again about the same issue on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On the last two emails I mentioned that the loans were showing in repayment status even though they were supposed to be forgiven. They did not reply. I now have a bill for {$300.00} due on XX/XX/XXXXXXXX  for loans that are supposed to be forgiven. Also, when I originally applied for PSLF, I checked the box on the form that stated I believed I had made enough payments to qualify and wanted my loans to be in forbearance until the PSLF review had completed.
Product: Money transfer, virtual currency, or money service

I went on the unclaimed property site and seen that I was owe under XXXX from Block inc. They said if I cant remember the email they cant help me. I have all my other info and they cant help me
Product: Checking or savings account

Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a matter of great concern related to the recent data breach involving XXXX, in which my personal information was compromised. As a consumer, I am deeply unsettled by this incident and am reaching out to request that my full credit report be cleared to mitigate any potential damage that may arise from this breach.

As you may be aware, the XXXX data breach has affected countless individuals, including myself. I have received notifications indicating that my sensitive information, including my Social Security number, date of birth, and financial account details, may have been exposed. This breach raises significant concerns about identity theft and unauthorized access to my credit profile, which could have serious repercussions on my financial wellbeing.

Given the magnitude of this breach, I believe it is essential to take proactive measures to protect my credit and financial health. Therefore, I kindly request that my full credit report be cleared. This action would help safeguard my information from potential misuse and provide me with the peace of mind that my financial identity is secure.

I appreciate the work that the Consumer Financial Protection Bureau does to protect consumers like myself, and I trust that you will treat this request with the urgency and seriousness it deserves. If you require any further information or documentation from my end, please do not hesitate to contact me at the provided phone number or email address.

Thank you for your attention to this matter. I look forward to your prompt response regarding my request.

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In year 2015 I had received a title loan and I had paid it back on time they continued to repossess my vehicle so I took them to court in XXXX XXXX CA XXXX XXXX XXXX XXXX small claims. The judge had ordered the debt paid and they were to no longer try and recover any more money from me this is not been the case situation arose after I realized it a few years later when I got a call from a debt collector saying I owed {$5000.00} to loan Mart. So I called loan mart and I told him about this. I reminded them that I no longer have a debt with them and we had went to court and the judge ordered them stop harassing me and trying to collect my money so I thought this is taken care of but my credit score has an improved I recently got my credit scores from XXXX  and all the other ones and I noticed that the debt they are trying to impose on me with the credit agencies which is ruin my credit is now over {$10000.00} the judge had ordered this debt paid in 2015 and they continue to try and go after me for my money. The information is XXXX XXXX XXXX 2015 XXXX XXXXXXXX this is a case number for XXXX XXXX Superior Court in California proving that the judge had ordered them paid that I do not owe them and needs to be investigated it needs to be removed from my credit report I had written credit agencies and ask him to take this off of my credit score and they have not please correct this matter for me you can get a hold of me at XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX with XXXX XXXX XXXX said loan was taken out through XXXX XXXX. ( I believe my original home loan 31 years ago was taken out through XXXX XXXX, but loan was sold to someone else shortly after purchase. I've never had any accounts at XXXX XXXX besides this short-lived one. ) He said it was taken out on XX/XX/2020 ( that's not a special date to me. ) He noted the application said I worked at XXXX and XXXX ( I was to interview for a job there years ago, but never actually went to the establishment for the interview. ) The email associated with account is XXXX. ( My daughter 's name is XXXX XXXX which is not common, but she doesn't think she ever established a XXXX email. She'll check on it today once she's out of her exam. ) He noted two phone numbers- XXXX and XXXX. ( Phone ending XXXX is presently my active cell phone number, while phone ending XXXX was my home phone number disconnected several years ago. ) The amount due on the installment loan is {$2500.00}. On my credit report, it shows XXXX XXXX XXXX with phone XXXX and when I called I spoke with XXXX XXXX. He's started at investigation on his end as well.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX To whom it may concern, I was looking at my credit report and I just realized that there are a ton of errors. I have notice that addresses have been showing up that I never lived at. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX OLD XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX SQ XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX WAKEFIELD ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Mortgage

XX/XX/XXXX in the height of the financial crisis I rang my mortgage bank, ING mortgage, and asked about refinancing. I was told by phone that if I could lower the principle below {$500000.00} ( from {$650000.00} ) I would be able to significantly lower my interest rate. I was on a XXXX ARM at 5.25 % and I was told the rate would go to 3.875 % for another 5 year lock provided I pay a fee equivalent to one month 's mortgage payment at the 5.25 % / higher rate. 
I was told the remaining term & terms of the loan would stay the same. 
Critically the rate renewal process was done online, by simply checking a box and then speaking to an agent. Forms were then sent out just before new year as the final part of the process to confirm what had been discussed. 
Please see pages XXXX & XXXX of the XX/XX/XXXX mortgage documents I am sending you. 
The page titled " Agreement to modify note '' was, I was told, to lower my rate for 5 more years. It was not pointed out or even discussed that the index that is used for future rate changes after the ARM expires was also changed. 
The original mortgage stated the index used was " the weekly average yield on US treasury securities adjusted to a constant maturity of 1 year, as made available by the Federal Reserve Board. '' ( see XXXX of the pdf ). 
The agreement to modify cites a different current rate of " the One Year treasury bond ( XXXX ) '' changed to " the one year LIBOR ''. 
One year Libor is a much higher rate than the weekly average yield on US treasury securities adjusted to a constant maturity of 1 year. I am led to believe by over XXXX higher. This will significantly raise my mortgage payments as my 5 year ARM expires this month. 
I refinanced the XX/XX/XXXX ARM again in XX/XX/XXXX. Again online with a one month mortgage payment fee and with a similarly short modification note. This note only refers to " the index '' without stating which index. 
Conclusion : 1. I was misled in XX/XX/XXXX. It was never verbally discussed that the reference rate was changing. I paid significant fees with a large capital pay down to be stuck with a higher index rate. All the initial refinance processing is done online and by phone. The modification documents are only sent out once agreement is reached. 
2. the index rate in the XX/XX/XXXX " Agreement to modify '' is different from that stated in the original XX/XX/XXXX mortgage documents. 
XX/XX/XXXX documents state " the One Year treasury bond '' versus the original documents state, " the weekly average yield on US treasury securities adjusted to a constant maturity of 1 year, as made available by the Federal Reserve Board. '' 3. the XX/XX/XXXX agreement to modify does not highlight what was a major change to the index rate used for my loan. This issue is also coupled with the error in point 2. above. 
I will be paying a much higher floating rate starting XX/XX/XXXX, due to this misleading change to the index rate used for my mortgage.
Product: Debt collection

In 2000 I had a satellite dish installed. It was placed incorrectly and never worked properly. The company XXXX XXXX was sold. I tried to speak with a person who could fix the satellite dish but nobody cared. 
IC systems tried to collect the debt two years ago. I explained the problem and they stopped collection attempts. 
Suddenly in XXXX they started again. 
My account number with IC systems is XXXX. 
Please help.
Product: Credit reporting or other personal consumer reports

I have made several attempts to the credit bureaus to investigate and provide accurate information on my consumer report. Last attempt was XX/XX/year> and they reported that they did and updated accordingly. I got a copy of my credit report 2 days ago and was appalled by the amount of inaccuracies listed. Collection accounts listed as " Open '' Balances listed, date last active varies, numerous discrepancies AND inconveniences across the bureaus. It is my right as a consumer to accurate credit reporting. This is damaging to my credit and my creditworthiness.
Product: Credit card

In XXXX, USAA presented a promotional 0 % APR balance transfer. I made the decision to leverage this promotional offer to cover forthcoming PCS expenses and other expenses. As a XXXX XXXX XXXX  engaged in operational XXXX, I was unaware of incurring a XXXX XXXX cash advance interest rate for the months of XXXX and XXXX, resulting in a total of {$360.00} to date. 

Following a discussion with a USAA representative, it was conveyed to me that the promotional rate was only applicable from XX/XX/XXXX to XXXX. Notably, my cash advance request was initiated on XX/XX/XXXX. For this reason, the USAA proceeded to charge the standard cash advance interest rate without prior notification and informed consent. 

it clearly indicated USAA violates Consumer Financial Protection Act. The USAA misrepresent or fails to clearly disclosed the terms and condition of promotional service that they offers to service member, and fails to obtain consumers informed consent regarding what is being charged. It is a predatory lending targeting service member with unfair deceptive tactics to taking a advantage of service member. As the major bank, USAA should be transparent with consumers. 

I am paying excessively high interest that I was not informed about and did not agree to. This has put me in a difficult position while I am away from home serving the country.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$2600.00} XXXXXXXX XXXX {$210.00} XXXX XXXX XXXX {$190.00}
Product: Credit reporting or other personal consumer reports

XXXX and XXXX are showing my XXXX XXXX  bankruptcy as discharged, Transunion is playing games not showing as discharged, they are impossible to communicate with on subject
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information appearing on my credit report, specifically regarding a closed account with an inaccurately reported balance. According to 15 U.S.C. 1681 ( Fair Credit Reporting Act ), I am entitled to have accurate information reflected on my credit report. Please consider this letter a formal dispute of this inaccurate information. The account in question is listed as XXXX XXXX XXXX. This account was closed ( XX/XX/year> ), and the balance should have been updated to reflect XXXX at that time. However, my credit report reflects an incorrect outstanding balance, which is adversely affecting my credit score and overall credit standing. It also includes misleading and inaccurate information reported between the three credit bureaus. Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation to ensure the accuracy of reported information. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are obligated to provide accurate data to the credit bureaus and must correct any inaccuracies once they are notified of an error. I am requesting the following : A prompt investigation of this closed account to confirm the accurate balance of {$0.00}. Removal or correction of any inaccurate information regarding the balance on this account. Written confirmation that these changes have been made, or a statement explaining why the reported balance was not updated following the account closure. Please update my credit report to reflect accurate information, and ensure that all credit reporting agencies receive the corrected data. Thank you for your attention to this matter. Please notify me promptly once this dispute has been resolved. I may be reached at ( XXXX ) for any additional information. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested an investigation of some account reporting on my credit file but it's been almost a year and no evidence or communication that these accounts have ever been disputed for the credit reporting agency. I've sent in disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, really every month until this current month and year XX/XX/XXXX with no action on the Experian 's part to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to find inaccurate accounts on my credit report, and I have no idea how they got there. I check my report frequently, but out of nowhere, these discrepancies popped up. I tried refreshing the page, thinking it might be a mistake, but the errors persisted. I really need the documents I sent to be examined carefully, so I can finally stop worrying about this issue for good.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issue such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian credit services due to the reporting of a XXXX XXXX   bankcard on my credit report. This account with XXXX XXXX is fraudulent, I filed a identity theft report and forwarded it to both experian and XXXX XXXX bankcard. When XXXX XXXX contacted me they narrated that for the reason they sent this credit card to an old address I had in the past, I have to pay the balance on the card even if I didn't live there at the time or for many years.This company XXXX XXXX is fraudulent and does not care who they harm or who they ripoff.Experian continues to report this fraudulent account so they can collect monies from this fraudulent company.Experian is not protecting me the consumer that am an identity theft victim.Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.