23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for income driven repayment on XX/XX/2018. They responded and said, " We received your IDR request on XX/XX/2018. We will review your request and send a follow up email by XX/XX/2018. This email will detail next steps and any additional actions needed. '' I also applied for forbearance at the time because I could not afford to pay $ 2500+ each month. Although the person I spoke with said she could postpone the payment. They did not and since I had automatic payments they took this out of my account. 

It is now XX/XX/2018, and although I have spoken to them several time about whether this has been completed, they still have not sent me any documentation concerning the loan. They have told me on the phone what my payment will be, as well as what the interim payment is, but I still have not received anything in writing. 

I would like to have XXXX XXXX finish this process and quit dragging it out. I need documentation of what the next step is.
Product: Credit reporting or other personal consumer reports

violation of 15 U.S. code 1681 Third Party Agency XXXX XXXX XXXX failed to comply with requirements to i the consumer in order to report to any credit bureau. XXXX failed to follow dispute guidelines, CRA violated the FCRA by not following the guidelines for handling disputes. Verification letters were sent off on XXXX and XX/XX/year> requesting proof to be given within a 15 day time frame which has passed. No proof was sent back regarding verifiable proof, an original consumer contract with my signature on it for the account listed. 
XXXX claimed owed : {$990.00} Original Creditor : XXXX XXXX XXXX
Product: Student loan

XXXX IS NOT A DUPLICATE - IT IS A NEW COMPLAINT* On XX/XX/year> I received my APPROVAL FOR DISCHARGE from the XXXX XXXX XXXXXXXX. for my federal student loans. 
( I previously requested, submitted, and was denied in my application for Discharge of Private Student Loans for School Misconduct I had submitted without the approval letter. ) Now that I have the approval letter I would like it added to my misconduct discharge application and have it reconsidered. 

On XX/XX/year> I also sent the approval letter to XXXX XXXX XXXX and was told they are " researching '' my account. I have received no other correspondence and when I followed up on XXXX with the same information the response said nothing except Mohela is my new servicer. ( But XXXX  is still the owner of these private loans. )
Product: Debt collection

I received a call today for the first time about a very old debt that Im not sure of. The Company is XXXX, XXXX XXXX XXXX. The lady claimed I had a charge off from Wachovia bank back in XXXX. I dont recall what this is and now shes saying if I did not agree with paying the full amount today or giving them info to remove money from my account on today, I would be placed in the check system and accounts would be frozen.
Product: Mortgage

Charged conveince fees and never fulfilled their end of helping me with loan modifacation or assuming the loan from the trust. Threats of forclosure while in process of catching up on missed payments and being charged fees for checks and post dated checks [ suggested by them ] to stop foreclosure added in to the hundreds of dollars. Late fees were always there even when they had the funds in hand they said that funds must clear instition before due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Cfpb ; XXXX ; Transunion ; XXXX ; See attachments ... .I 'm not sure why you keep saying that you already verified this public record XXXX as being accurate, whereas, I've contacted all the credit bureaus, courthouses and obtain paperwork where it says that they don't verify nor provide any data to the credit reporting agency. This is reporting in violation and it's unverifiable, also it continues to report with multiple inaccuracies and incomplete info. Again, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 

A Bankruptcy is public information, Again, the XXXX Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to Defamation ; Negligent Enhancement of Identity Fraud ; Violation of the Fair Credit Reporting Act
Product: Checking or savings account

On XX/XX/XXXX or XX/XX/2019, I opened a Schwab Bank and Schwab One account. Schwab had requested additional details such as a proof of address and identification to complete the opening of the account. 

The client data verification department of Schwab had successfully verified my details approximately the end of XX/XX/XXXX. Approximately a day later, my online access to Schwab was blocked and suspended due to 'security reasons '. 

Calls to Schwab had indicated a fraud flag, and multiple calls ( over 8 ) to Schwab went unanswered as the representative was told that the fraud department does not speak with the client directly. 

After a week, on XX/XX/2019, another call was placed, and a Schwab representative informed me that the account was closed without notice by the fraud department. 

Unfortunately, the lack of communication and reasoning by Schwab is ludicrous, as well as the multiple phone calls and communication attempts that were needed to gain even a single piece of information.
Product: Checking or savings account

This is a health savings account with XXXX Account Services - PNC Bank as Custodian. I have money in the account and wanted to withdraw it, but the card was expired and they never sent me an updated card. I called several times asking for a card and was advised one would be sent. I never received a new card. I received a statement showing that this company has been charging me {$4.00} a month for no reason. The statement describes the fee as " Benefit Admin Fee ''. This started in XXXX of XXXX. I called on XX/XX/XXXX ( spoke to XXXX ) and asked why I was being charged the fee and she would not tell me, she referred me to my current health savings account bank ( XXXX Bank ) and said they were charging the mysterious fee. I demanded my money back and had XXXX open a ticket ( Confirmation number XXXX ). I also demanded they transfer my money to my current XXXX account and close this account. She advised this must be completed by form. As of today ( XX/XX/XXXX ) I have not receive the form, and they CONTINUE to charge me the fee. 

I contacted XXXX Bank right after that call and was advised by a representative named XXXX that this fee was not theirs, she suggested it may be from my health insurance company. I then called XXXX XXXX XXXX XXXX and spoke to XXXX who said they don't charge a fee and it sounds like it was the bank ( XXXX Account Services - PNC Bank as XXXX ). 

This is CLEAR violation of XXXX. They will not allow me to access my funds, they are refusing to send me the documentation needed to close my account, and they are continuing to charge me a monthly fee that I can not avoid, nor was advised of. 

Side note : My company switched XXXX services at the beginning of last year. The entire time I used them, I was not charged a fee. This fee came without advance notice and without explanation.
Product: Mortgage

Hello, This was be the second complaint I have regarding Citibank. 
First, I am in the process of purchasing a new home and getting a loan with a different lender and we are forced to get a high cost mortgage due to the fact that Citi could not provide a VOM showing 30, 60 or 90 days past dues. A lender we were trying to go through did a phone verification and the agent stated the account was 60 days past and it was not. I even called back a couple days later and was told that it was not 60 days past due at that time by a different agent. 
Now we are trying to get a payoff quote and they are making us wait 7-10 business days purely on the fact that our account is in the " bankruptcy dept ''. Our bankruptcy was nearly 10 years ago and we are being put off because of this. I even spoke to a supervisor who stated that if it were not in this department, we 'd have this information in 4 hours!!! This is unfair!! We need his information for our new lender to see a Closing Disclosure with our proceeds after sale. Our closing is to take place in 3 weeks. Our title company requested a payoff XXXX XXXX!
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the persistent challenges I am facing in removing fraudulent items from my credit file. Despite multiple attempts to rectify this issue, the fraudulent entries remain, adversely impacting my creditworthiness. As outlined in my initial complaint, I reported unauthorized and fraudulent items on my credit file to XXXX Credit Bureaus. Subsequent to that, I have made additional attempts to dispute and rectify these inaccuracies. However, to my dismay, the fraudulent items persist on my credit file, causing ongoing distress and financial implications. I understand the importance of a thorough investigation in cases of fraud, and I appreciate the efforts taken to maintain the integrity of credit reporting. However, the prolonged presence of these fraudulent entries is not only detrimental to my financial standing but also a source of great frustration. I kindly request that you escalate this matter and conduct a comprehensive investigation into the fraudulent items on my credit file. I have consistently provided all necessary documentation and information to support my claim, and I believe that the resolution of this matter is long overdue. It is my expectation that XXXX Credit Bureaus takes immediate and effective action to rectify this situation. I request clear communication regarding the steps being taken to address this issue, and I insist on receiving a specific timeline for the removal of the fraudulent items from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XX/XX/XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : XX/XX/XXXX OpenedXX/XX/XXXX Balance : XXXX XXXX Opened XX/XX/XXXXBalance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance : {$16000.00} XX/XX/XXXXOpened XX/XX/XXXX Balance : XX/XX/XXXXEQUIFAX MORTGAGE XX/XX/XXXXOpened XX/XX/XXXX Balance :XX/XX/XXXX OpenedXX/XX/XXXX Balance : XX/XX/XXXX OpenedXX/XX/XXXX Balance : XX/XX/XXXX OpenedXX/XX/XXXX Balance : {$16000.00} XX/XX/XXXX Opened XX/XX/XXXX Balance : XX/XX/XXXX
Product: Debt collection

Subject : Complaint against Audi Financial Services regarding misleading communication and improper debt collection practices Date of incident : XX/XX/XXXX - Present Complainant : Complaint Details : 1. On XX/XX/XXXX, my Audi vehicle was totaled by a XXXX renter. 

2. In late- XX/XX/XXXX, Audi Financial Services ( AFS ) instructed me via their online portal message to stop making payments on the vehicle, pending the conclusion of the insurance claims in-process at that time. 

3. An AFS representative verbally confirmed this instruction over the phone, stating they do not want me to overpay during the insurance claim process. 

4. My last payment was made on XX/XX/XXXX. Subsequently, AFS closed the payment portal for my account, making it impossible to access and make further payments. 

5. The insurance company ( XXXX ) paid the fair market value for the vehicle, leaving a balance of {$11000.00}. 

6. My GAP insurance claim was denied on XX/XX/XXXX, due to circumstances beyond my control. 

7. For six months following the denial of the GAP insurance claim, I received no communication from AFS or any other entity regarding how to pay the remaining balance due to Audi. During this time period I received regular communication with Audi regarding my second vehicle. 

8. On XX/XX/XXXX, I unexpectedly received a collections notice from XXXX XXXX XXXX, stating that the account was delinquent and had been placed with their office for collections. 

10. I intend to dispute this debt and request validation from the collection agency. 

Requested Resolution from CFPB : 1. Investigate AFS 's failure to provide clear instructions for handling the remaining balance after the insurance payout. 
2. Review the appropriateness of sending the account to collections without prior notice.

3. Require AFS to improve their communication practices with customers in similar situations. 
4. Assist in resolving the outstanding balance without negatively impacting my credit score, given the misleading instructions I received from AFS. 

I can provide additional documentation to support this complaint if required.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. Experien wont take something off of my credit report. Ive paid my XXXX bill in full The loan was bought out by XXXX XXXX  and Ive sent experien several letters and theyre just ignoring me. I would really like to get this off my credit report. Thank you. XXXX XXXX
Product: Debt collection

Subject : Dispute and Complaint Regarding Alleged Debt ( Account Number : [ Account Number ] ) Dear [ Debt Collection Agency Name ], I am writing to formally dispute and complain about the alleged debt referenced above, which I have recently been notified of. Despite this notification, I have not received any prior communication regarding this debt through letters, emails, or phone calls. This lack of prior notice has caused significant inconvenience, particularly as it pertains to my current housing situation. 

Upon reviewing my records and credit report, I have identified several concerns regarding this debt : Lack of Prior Notice : I have not received any correspondence from your agency or the original creditor regarding this debt before the recent notification. According to the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to be informed about debts owed and given an opportunity to dispute them before collection actions are taken.

Verification Request : I hereby request validation of the debt as per my rights under the FDCPA. Please provide the following information : The name and contact information of the original creditor. 
Documentation showing the amount owed and the nature of the debt. 
Verification that I am indeed liable for this debt.

Impact on Credit Score : As I was not a co-signer or party to the original agreement, this debt should not be reflected on my credit report. If it is currently impacting my credit score, I request that you immediately cease reporting it until the dispute is resolved. 

Cease Communication : Pursuant to my rights under the FDCPA, I request that you cease all communications regarding this debt until the verification process is complete. Please confirm in writing that you have received this request. 

Further Actions : If I do not receive a response to this dispute within 30 days or if the debt is not validated, I reserve the right to take further legal action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue swiftly and fairly.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


XXXX5 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: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against XXXX, XXXX, and TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account ( Account Number : XXXX ). Despite multiple requests for correction, including letters dated XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Discrepancies and Errors Identified Inaccurate Late Payment Reporting Late payments for XXXX and XX/XX/XXXX, and XX/XX/XXXX, are inaccurately reported as " 30 days late '' across TransUnion, XXXX, and XXXX. Payment confirmations provided in previous disputes demonstrate that these payments were made on time. 
Data Inconsistencies Across Bureaus : The closed date is missing from XXXX and XXXX while accurately reported as XX/XX/XXXX, by TransUnion. 
Payment statuses are marked as " current, '' yet late payments are still incorrectly reported for certain months. 
XXXX adds unnecessary remarks stating, " Closed or paid account/zero balance Auto, '' which is not consistent with TransUnion and XXXX. 
Violation of 15 U.S. Code 1681i : The FCRA requires credit reporting agencies to verify the accuracy of reported information. Despite providing supporting evidence during the dispute process, the inaccuracies remain uncorrected.

Violation of 15 U.S. Code 1666b : The creditor is required to provide periodic statements at least 21 days before payment due dates. The incorrect reporting of late payments suggests non-compliance with this requirement.

Violation of the Truth in Lending Act ( TILA ) : These errors violate TILA provisions that emphasize accurate and timely disclosures to consumers, resulting in undue harm to my creditworthiness. 
Account Details with Errors Account Number : XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX ( missing from XXXX and XXXX ) Account Status : Closed Payment Status : Current Errors in Two-Year Payment History : XX/XX/XXXX : Incorrectly reported as " 30 days late '' XX/XX/XXXX : Incorrectly reported as " 30 days late '' XX/XX/XXXX : Incorrectly reported as " 30 days late '' Impact of Inaccurate Reporting These inaccuracies have caused significant harm to my creditworthiness, leading to denying credit opportunities and financial distress. Additionally, the failure to correct these errors undermines the reliability of the credit reporting system. 
Desired Resolution Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit reports with XXXX, XXXX, and TransUnion. 
Written confirmation from each credit bureau stating that these corrections have been made. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant regulatory agencies and exploring legal action under FCRA and TILA. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX