23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

OnXX/XX/XXXX, I sent the following message to MOHELA, and as ofXX/XX/XXXX, MOHELA has not responded to my request for information : " Hello, I received conflicting information from MOHELA about the status of my repayment. I got a letter in the mail on XX/XX/, which said my repayment under XXXX was correctly recalculated to {$200.00} and my initial repayment was due on XX/XX/ Also, under my online PSLF payment tracker it shows that XX/XX/ was not an eligible month that counts toward my PSLF payment count. 

However, my online account has this message posted by MOHELA : 'We are in the process of updating your account. For some or all of your loans, you will not be due for payment until afteXXXX XXXX XXXX, and your interest rate will be adjusted to 0 % through an anticipated end date of XX/XX/. The months from XXXX through XXXX XXXX will count toward income-driven repayment forgiveness and Public Service Loan Forgiveness [ PSLF ], assuming all other requirements are met. Please allow up to 30 days for the updates to be completed. We appreciate your patience and will notify you after your account has been updated. ' I need clarification on whether my initial repayment of {$200.00} is due on XX/XX/, or whether my repayment will not start until after XX/XX/. And please confirm that all months from XX/XX/ through XXXX XXXX  will count toward PSLF. Thank you. 

Sincerely, [ XXXX and XXXX XXXX ] ''
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Experian for Inadequate Credit Report Investigation Dear CFPB, I am writing to formally file a complaint against Experian concerning significant discrepancies in my credit report and the inadequate investigation process employed by Experian in addressing these discrepancies. 

Details of the Issue : My credit report recently reflected significant score drops of XXXX points and XXXX points following minor changes, and an additional XXXX decline after the removal of XXXX inquiries. These drastic fluctuations are inconsistent with past experiences, where similar changes did not result in such severe scoring effects. 

Despite providing Experian with extensive supporting documentation, including police reports, FTC reports, and detailed letters outlining the inaccuracies, my efforts have been ignored, and no meaningful resolution has been provided. 
Concerns with Experian 's Investigation Process : 1. Lack of Resolution : Despite multiple attempts to engage with Experian and request a detailed audit of their processes, the responses have been unsatisfactory, and the discrepancies remain unresolved. Experian has not provided a solution or explanation for the score fluctuations.

2. Need for Transparency : The investigation process has lacked transparency, with insufficient communication and updates regarding the status of my dispute. This lack of openness has made it difficult to trust the integrity of Experians actions.

3. Inadequate Investigation : Experian has failed to take sufficient steps to intake, process, and thoroughly investigate my complaints. The investigation appears to have been superficial and inadequate. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2020, I remitted payment to my loan servicer, XXXX XXXX , XXXX via XXXX XXXX Bill Pay. Attached please find a ledger showing both the XXXX mortgage payment, and the XXXX mortgage payment. Thereafter on or around XX/XX/2020, I received notice that XXXX XXXX , XXXX transferred the loan to Flagstar Bank. At the time of the transfer, I was not in default or delinquent in my mortgage loan status. 

On XX/XX/2020, I refinanced my mortgage with XXXX XXXX XXXX XXXX , XXXX, thereby paying off the mortgage loan owed to XXXX XXXX , XXXX and its successor in interest, Flagstar Bank. 

XXXX XXXX  , XXXX. failed to deposit the XXXX mortgage payment. XXXX XXXX , XXXX further failed to forward the XXXX mortgage payment to Flagstar Bank. Irrespective of the XXXX mortgage payment, both XXXX XXXX  , XXXX and Flagstar Bank were paid-in-full as a result of the refinance on XX/XX/2020. 

On XX/XX/2020, XXXX XXXX, XXXX caused a derogatory trade line mark to be placed upon my credit. As a result of the derogatory mark, my credit score dropped from XXXX to XXXX. 

Please note the following violations of law : 1. XXXX XXXX , XXXX had no legal authority to report to the credit bureau on XX/XX/2020 as it was no longer the servicer of the loan, and the loan was not in default. 

2. Under Federal Law, neither XXXX XXXX, XXXX nor Flagstar Bank were permitted to treat any payments as late during the 60-day period following the transfer from XXXX XXXX  , XXXX to Flagstar Bank on XX/XX/2020. See 12 CFR 1024.33 3. XXXX XXXX , XXXX and its successor in interest, Flagstar Bank, were paid-in-full during the refinance on XX/XX/2020, and therefore the reporting to the credit bureau on XX/XX/2020 was defamatory and I suffered damages in the amount of {$130000.00}. 

Lastly, neither XXXX XXXX, XXXX nor its successor in interest, Flagstar Bank have refunded me for the mortgage payment of {$1100.00} that is an overpayment due to the refinance. Both banks were required under federal and state law to refund the overpayment and have failed to do so. 

The collection and billing practices of both banks needs investigation. If the banks do not have sufficient policies and procedures in place to avoid reporting to the credit bureau during the 60-day loan transfer, and do not have policies in place for the transfer of mortgage payments from one servicer to the other servicer, and do not have policies in place for the refund of overpayments, the banks need to be sanctioned.
Product: Vehicle loan or lease

On XXXX, I purchased a XXXX XXXXXXXX XXXX from XXXX XXXXThe purchase price was {$14000.00} in XXXX, NC. I went ahead and put down $ XXXX.My credit score is over XXXXIncluding the warranties that I signed for, the amount to be financed for $ XXXXWhen I realized that, I went to my bank to refinance the loan.XXXX XXXX XXXX sent a check of {$10000.00} to Bridgescrest the finance company that they would not apply to my account until I paid them th entire amount financed. 
On XXXX I paid {$1000.00} to Bridgescrest. I was told today that I needed to pay {$7000.00} to apply the XXXX XXXX XXXX check to my account to close it.I made the payment but believe that I was greatly overcharged.Bridgescrest had a 16.553 % interest rate and XXXX XXXX XXXX was offering 2.84 % rate.
Product: Debt collection

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Merchant Credit Guide XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX Re : Acct # XXXX Re : Acct # XXXX To Disputes Department : This letter is in response to your recent claim regarding account # XXXX and # XXXX, which you claim that I owe you {$150.00} on both accounts, in which these are a duplicate. By not replying in a timely manner to my initial letter on XX/XX/2020, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You would be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX   XXXX, IL XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX  XXXX  XXXX Generals Office CC : XXXX   XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, KS XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Received a letter they were reducing my credit line for non-use. XX/XX/23 Called and got nowhere. XX/XX/23 received second letter they were going to close my account for non-use. If I used the card it would keep the account active for two years. Went out and made a small purchase on XX/XX/23 in order to keep the account open. Of course both these actions by them would adversely affect my credit rating. Problem is that were literally blackmailing me via my credit thought they extended me the credit by their choice. How I used it should be my choice. I then wrote an email to the CEO XXXX XXXX. Letter attached below. No reply .... 
Again, I say this is nothing more than credit blackmail. Every time someone reduces your credit or threatens to close an account for reasons of abuse I get. Doing this for non-use is nothing more than punishment for good use of my credit.
Product: Credit reporting or other personal consumer reports

I paid off my Affirm account in XX/XX/2022. As of today, XX/XX/XXXX - Affirm has not updated the balance on the three credit bureaus ; I have opened eleven disputes regarding the balance of my account. No one is reading the account status - to the letter! 

The majority of the customer service representatives have language barriers- unacceptable. The department that handles the credit reporting need additional training.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union sent me a corrected report with all the missing accounts, but when a creditor pulls my credit it still only show one new account not all the old accounts, causing harm to my credit.
Product: Payday loan, title loan, or personal loan

I opened a line of credit with Eloanwarehouse XX/XX/2022. Right after, I lost my job so I sent a revocation of XXXX letter. The company is NOT supposed to debit my account but today, XX/XX/2022 without warning, they took XXXX from my account which overdrafted my account. I would like all of my money plus banking fees returned Immediately.
Product: Debt collection

Recovery Special has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

I recieved a letter from us department of the treasury, stating that XXXX was taken out of my social security payment to pay a Army and Air Force Exchange debt from XXXX. 
This is being collected by a company called XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, U.S.A. 
This was a complete surprise, There were no notifications of judgements or any other notifications. Additionally, this collection is far past the statute of limitations, and AAFES was part of a bankruptcy discharge in XXXX.
Product: Debt collection

A XXXX, XXXX, has been attempting to collect debt I do not owe for over 5 months now. 
My physician 's office, The XXXX XXXX XXXX, is responsible for this debt. 
I have provided a receipt showing that I paid The XXXX directly for the services rendered by XXXX on XXXX/XXXX/2016, which I explained in a fax to XXXX dated XXXX/XXXX/2016 and subsequent phone call on XXXX/XXXX/2016. 
On XXXX/XXXX/2016, the secretary at The XXXX XXXX XXXX also confirmed with XXXX that this bill was sent to me in error. 
I have explained the situation again in a letter dated XXXX/XXXX/2016 in which I asked XXXX to stop all communication with me about this debt. 
XXXX never acknowledged any of my communications. 
On XXXX/XXXX/2016, I received a communication from debt collector, Stevens Business Service. This now feels like harassment and poses a threat to my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The following account has been paid but Transunion has been reported as follows : XXXX  XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$25000.00} ACCOUNT OPENED ON XX/XX/2017 REPORTED AS CHARGE OFF UNPAID. 
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 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I don't owe a XXXX XXXXXXXX to Portfolio Recovery Associates , LLC. Despite their persistent calls and threatening letters over the past few years, claiming to file a lawsuit, I've never had any outstanding debts with them. I want to lodge a complaint against their harassment tactics and false claims. This company 's actions violate consumer rights, and I request action be taken to shut them down. Shut down this company to protect the consumer like me and there are many which i see same problem from this comany.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the recent privacy breach at Equifax, to properly secure my credit report I am required to pay to freeze and subsequently unfreeze my credit at a later time due to gross negligence of company that has my personal information without my consent and I have no opportunity to opt out of this. This is wholly unexceptionable and at a minimum their services to freeze and unfreeze reports for the 3 credit reporting companies should be mandated to be a free service provide by them. If it is profitable for the reporting agencies to secure individual 's information, this incentivizes them to not handle this data with the possible level of security. 

Additionally, the potential harm that can be caused to me as a result of the data breech in no way, could be possibly properly compensated by equifax with any possible monetary value short of a receiving an amount of money where I could be considered independently wealthy. Clearly this is not a realistic possibility. My future ability to secure credit for transportation and housing is at risk and thus my well being and lively hood are at potentially in jeopardy. 

I implore all powers that be to take action in a way that is fair to the consumer and protects them when the consequences of failing to do so are so dire. For me, the bare minimum of that would be the ability to freeze and unfreeze credit reports at no cost to the consumer. 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

I checked my credit report today and was surprised to find inaccurate accounts listed. I have no clue why they are there, as I regularly monitor my report, and this has never happened before. Hoping it was a system error, I refreshed my browser, but nothing changedthe incorrect accounts were still there. Given this, I kindly ask for a detailed review of my submitted documents to ensure this problem is resolved permanently.
Product: Credit reporting or other personal consumer reports

Ive been patient long enough, but its clear that my repeated efforts to address the accounts in litigation on my credit report are being ignored. These accounts are inaccurate and should not be affecting my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had major Fraud, starting in XX/XX/XXXX. Somehow they got a hold of my XXXX ACCOUNT. Now when I look at my credit report I noticed all these inquiries that I did not apply for. 
XXXX. SYNCB/AMAZON on XX/XX/XXXX XXXX.PAYPAL on XXXX XXXX . XXXX on XX/XX/XXXX XXXX.SYNCB on XX/XX/XXXX XXXXSYNCB/LOWES on XX/XX/XXXX XXXX.SYNCB/AMAZON on XXXX, XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX I also never had an address in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Checking or savings account

I reported fraud to Navy Federal and they claimed that there was no fraud as well when I asked for evidence from the investigation they did not provide it on two seperate occasions. The ammount was {$510.00} XXXX reported the fraudulent charges on my debit card on XX/XX/year> On XX/XX/year> I requested the evidence of this " non error '' on XX/XX/year> and XX/XX/year> I've been provided with nothing. I submitted an appeal on XXXX and still have heard no update other than they work the cases as the come in. I did not make these charges and realized my debit card was missing. My phone was also stolen around the XXXX of XXXX and I'm unsure why they are acting in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Removed Things From Account Which should have removed all of the deragragotory information still showing and I'm Seeing That They aren't providing the correct credit score either and I just got an adverse letter from XXXX. Nothing In XXXX XXXX aligns up with what Equifax is Showing me in my account. 

My Equifax Score is XXXX as of XX/XX/2023 In Adverse Letter From XXXX It says they pulled my credit on XX/XX/2023 and my score is : XXXX as of XX/XX/2023 So why does XXXX XXXX show one score in my equifax account on my credit report dated XX/XX/2023. 

And another score with totally different score of XXXX and all my old negative account information on XXXX Adverse Letter of Denial.
Product: Money transfer, virtual currency, or money service

Over {$1900.00} USA DOLLARS XX/XX/XXXX the company is PayPal I recently was selling my used stuff online on XXXX  and when i sold a couple of items PayPal sent a email saying i needed to send in documents like my ID and stuff and i did that and also spoke to someone on the phone and she told me my account was still good but woke up to my account being permanently limited and cant seems to contact anyone
Product: Debt collection

I received a notice of debt from PSC regarding medical services provided by XXXX XXXX XXXX. I was shocked to see a collection notice as I never received a normal bill from them prior to that. I have disputed these charges through an online service that routed to the main credit bureaus for dispute but never heard from a response from PSC. 

Finally, I sent a certified letter on XX/XX/2020 requesting a correction of their charges as the doctor only saw me for 3 minutes in a bed temporarily in the hallway as the hospital was busy during my visit and even the medical provider spent a quarter or half an hour, {$500.00} is excessive. To my surprise, their response was a statement of account. 

This is not an acceptable response from PSC or XXXX XXXX XXXX as the billing practices are excessive and abusive. If they adjust their bill accordingly or even had the decency to explain their variance, I would have been more than happy to resolve this matter. 

XXXX XXXX XXXX 's attempt to collect excessive charges over actual across state lines from my insurance carriers constitutes insurance fraud and these practices should be further investigated. 

( 1 ) Puget Sound Collections is in violation of the FDCPA 's section 807 by providing a statement of account instead of an answer to excessive billing practices as a response to a dispute.

( 2 ) Because of this, Puget Sound Collections is also in violation of the FDCPA 's section 809 subsection ( b ) for improperly attempting to validate the debt and not directly addressing the erroneous and excessive billing amount.

( 3 ) Puget Sound failed to respond within the 5 day period as stated by the FDCPA 's section 809 subsection ( a ). Please see attachments confirming the dispute letter was sent on XX/XX/2020 and their response was 36 days later on XX/XX/2020. 

The FDCPA does allow a consumer to recover up to {$1000.00} per violation