23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My husband and I have a FFELP Joint Spousal Student Loan with MOHELA. A law was passed that was specific for us to separate our joint spousal student loan, XXXX. The Department of Education has stated that they do not have a plan or process yet to separate out our loans and are encouraging loan servicers to give us an administrative forbearance for one year until they develop a process to separate us out. I have called MOHELA on the following dates : XXXX XXXX XXXX XXXX XXXX, and finally today XXXX The first 5 times that I called, they told me that I was going to placed on an administrative forbearance. Then I received two pieces of mail stating it was a " processing forbearance '' and that those would end in a month and a half. Today when I called I was told that they were not going to put us in an administrative forbearance without having an ombudsman from FSA telling them to put us in one. I had reached out 2 times prior to today to the ombudsman group. Once on XX/XX/ and again on XX/XX/, telling them that I was having trouble getting an administrative forbearance. I had not heard back from them. I was instructed today from the FSA to open a new complaint with instructions to send MOHELA a letter instructing them to give us an administrative forbearance. I was also told it would take 2 weeks. I did that today. We now owe almost {$1200.00} on a payment as we can not get into any type of program to help us ease that burden. We have been paying for 20 years and both qualify for the temporary PSLF waiver which we got our paperwork in per instructions of the FSA. We are just asking for the administrative forbearance without capitalizing interest per the ED 's guidance for joint spousal student loans like other servicers are allowing and following. Thank you. XXXX XXXX
Product: Credit card

Called the service number for XXXX XXXX and got a robot asking about a medical Device alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/ 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of credit report and noticed I have a XXXX  account from Consumer adjustment was opened XX/XX/2024 has balance of {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling to fix my credit report, after someone used my identity to open up accounts under my name. I have been battling with all there credit companys to remove accounts, and improper information on my credit report, and or, late payments that I clearly have shown to all there credit reports over and, over again since XX/XX/XXXX. Also there is incorrect address 's, and incorrect hire date for my job, and it is not being taken care of. I have credit inquires that are still being ran in my name, after I sent told each credit company I been a victim of Identity theft, and sent a police report, and Identity theft report, but still I have over 16 credit inquires not done by me, that XXXX Equifax XXXX will not remove. Mt student loans on all accounts have never been 90 day late or late ever. They have been in admin forbearance, and are due to be discharged. However when I was given a letter by XXXX stating that my loans have never been late I sent this to all there credit companys, and they will not remove the late payments from my record. As of todayXX/XX/XXXX my credit report still shows late payments, and 16 inquires, and incorrect information on my credit report.
Product: Checking or savings account

I started to receive emails from Bank of America stating that I need to fund my new checking account. Im a former Bank of America employee, I left about 12 years ago and outside of a credit card I closed out my entire relationship. My ONLY communication with them since then has been the occasional balance transfer. However, there appears to be a checking account that was opened by them and in the fine print it says if I dont fund the account Ill incur fees. 

I work as a XXXX XXXX XXXX two blocks from the local Bank of America so I attempted to resolve this in a civil manner by reaching out to schedule a phone appointment but they never contacted me.
Product: Credit card or prepaid card

This is with regard to the XXXX XXXX XXXX Credit Card Account Number ending is XXXX for XXXX XXXX XXXX. I have previously disputed the following charges as per fax in XX/XX/2019. These charges were removed from the account but has been reversed back into the account. These disputed charges total {$4000.00}. 

Also, I was told by Amex Customer service that the late fees and interest charges put on the account related to these charges will be removed in 2019 but they were not removed. Those charges total {$370.00} in late fees and {$2500.00} in interest charges. Hence, I am disputing a total of {$7000.00} in charges ( {$4000.00} in disputed charges, {$370.00} in late fees related to these disputes, and {$2500.00} in interest charges related to these disputes ). 

I was told by American Express that theses charges will be removed as soon as possible but the account was instead put into collections and charge-off.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an error regarding my Social Security number ( SSN ) in your records. I recently discovered that my SSN has been incorrectly recorded or used in a way that is causing issues
Product: Bank account or service

XX/XX/XXXX I started contributing $ XXXX check to my XXXX account XXXX about $ XXXX. I never opted for electronic statements only, and never was told about a {$2.00} paper statement fee XXXX nor was I charged for XXXX until XX/XX/XXXX ). XX/XX/XXXX, I moved from my old residence XXXX, XXXX XXXX, MT XXXX to XXXX Spruce Court, XXXX XXXX, MT XXXX and did not update my mailing address with XXXX XXXX Bank. They began charging me a {$10.00} fee for having my XXXX returned to them, and continued to charge this fee until XX/XX/XXXX. I checked my account to see the balance on XX/XX/XXXX after making a purchase and learned of the fees. The following day, I called XXXX XXXX Bank to see if we could find some resolution, and the representative said they would only give back XXXX fees ( {$20.00} XXXX. I was not satisfied and called back. After much argument, they offered to give me {$80.00}, but I still was n't satisfied because this was n't a mistake where the account insufficient funds or was in a delinquent status. My mailing address was wrong and my statement was returned to the bank. They did not call or email me at any time, despite having my contact information. I only got XXXX emails from XXXX XXXX - XXXX to verify online enrollment and another to tell me about an update to their website. Total fees are {$180.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year after making my complaint about paying on line alleging the practice was unfair and discriminatory towards people on XXXX and retirees US bank falsely reported my loan balance in an amount that was higher than what I actually owed them. After having no resolve with then I disputed the amount with the credit bureaus and submitted evidence ( my mortgage statement ) that my balance was not what US bank was reporting .... The credit bureaus corrected the balance. as of XXXX of 2016. a couple months later I noticed that US bank was not reporting my payments after that. I notified them of the problem but never got any real resolve. I had spoken with them on a few occasions about it however here we are 6 months later they are still not reporting my payments and the reduced principal balance. I have recently taken the initiative to report it myself by sending in statements of over the last 6 months showing the payments made and the reduced balance. It is my belief the actions of XXXX XXXX XXXX XXXX is retaliatory for my alleging what I then and now consider a discriminatory practice toward people who are on fixed incomes such as XXXX, ssi or retired because their online payment system penalizes people who do n't pay their bills on or before the first of the month due to being on a fixed income and I expressed offense when a representative suggested I pay an extra payment in order to avoid a {$5.00} charge to pay my bill on time online and I called the charge a late fee. I was refused proper direction as well when asked how to properly file a complaint regarding both matters
Product: Student loan

I am writing to file a formal complaint regarding the unauthorized sale of my personal information by Sallie Mae, a matter that directly contravenes the provisions outlined in 15 U.S. Code 1666b. I recently discovered that my personal information, including sensitive financial details, was sold by Sallie Mae without my explicit consent or knowledge. This unauthorized sharing of my information has raised significant concerns about privacy and compliance with federal regulations.

According to 15 U.S. Code 1666b, creditors are required to obtain affirmative consent before disclosing certain types of information to non-affiliated third parties. In this case, Sallie Mae 's actions appear to have violated these regulations, as I did not authorize the sharing or sale of my personal data to any external parties. This breach of trust has not only compromised my privacy but also undermined my confidence in Sallie Mae 's commitment to handling customer information responsibly and in accordance with federal laws. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure compliance and protect consumer rights.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXXXXXX XXXX : {$130.00} ; XXXX XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Request for VALIDATION, NOT Verification Your Name : CEO XXXX Address : XXXX Company : XXXXXXXX XXXX XXXX  Address : City/ State/ Zip : XXXXXXXX XXXX XXXX RE : Trade Account # CAINE WEINER CO , INC & Any collection on my report. 

To Whom It May Concern : XXXXXXXX XXXX XXXX has faced numerous interruptions in its accounts due to fraudulent activities, as reported by the Federal Trade Commission ( FTC ). For more detailed information, please refer to the FTC report. 

Remove the Attached negative reporting trade accounts. 

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. 


At this time, I will also inform you that if your offices have reported invalidated information to any of the three major Credit Bureaus { XXXX, XXXX, or XXXX XXXX XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 


I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file a suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. 

It would be advisable that you ensure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. 

- 15 U.S. Code 1692g : Validation of Debts - 15 U.S. Code 1681n : Civil Liability for Willful Noncompliance - LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681s2 : Responsibilities of Furnishers of Information to Consumer Reporting REMOVE ACCOUNTS XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX : {$0.00} DPT ED/XXXX XXXX : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I received a Citi Aadvantage card. I paid the balance down every time I used the card through a XXXX XXXX checking account. I racked up {$8000.00} charges. While my XXXX XXXX Bank Account was debited every time I paid the credit card, Citi closed my credit card abruptly. They said there was an error, being my account that I was paying from is a Savings account. However, I never paid from a savings account. I paid from a business checking account. I reached out to Citi and they said I would also not get the aadvantage airline miles in the quantity they promised. I told Citi they needed to give me my miles. I only got the card because they advertised a bonus for advantage miles on XXXX XXXX that I need to see my daughter. Citi reneged on its commitment, even after admitting the reason they closed the account was their mistake. Then, they tanked my credit from an XXXX to less than XXXX because they said I never paid. Citi scammed me and wrecked my credit, while lying about delivering points for expenditures.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

See Attached Letter sent certified to them on XX/XX/2024. 

TransUnion in complicit in allowing allowing a creditor to bully and do me harm as a consumer. They are violating the law and my rights under 15 U.S.C. 1681i Notice to consumer by reinserting this inaccurate account into my consumer report.
Product: Consumer Loan

The complaint starts with a personal loan that was taken out by me and my mother from One Main Financial. The loan was in my name and my mother cosigned for this loan. I stopped paying on this loan when I was fired from my job. My mother became very ill and I stayed home to take care of her because she became XXXX. She then passed away XX/XX/XXXX. I had not been able to pay on this loan for the 2 years I was off work and taking care of my mother. Starting XXXX XXXX my wages were to be garnished for {$8900.00}. As difficult as it has been losing at least {$250.00} every 2 weeks and raising XXXX children I understand this is my debt. My complaint is that now that this is almost paid in full which included the interest on the loan, that the Judgement Creditor is going to charge me 12 % interest on top of the interest already included on the balance. I do n't understand why I am being charged interest on top of interest. Can you please help me to understand that.
Product: Debt collection

On XX/XX/XXXX I sent a certified letter to National Credit Systems requesting validation of the alleged debt. On XX/XX/XXXX They responded with a letter stating XXXX on XXXX is offering a 50 % discount off of the alleged debt. I declined the offer. On XX/XX/XXXX I FILED CFPB COMPLAINT AGAINST XXXX ON XXXX XXXX AND NATIONAL CREDIT SYSTEMS AND CITED 15 U.S.C. 1692 ( c ), U.S.C 1692 f ( 1 ), AND U.S.C. 1692 ( g ). On XX/XX/XXXX NATIONAL CREDIT SYSTEMS EMAILED ME IN RESPONSE TO THE INFORMATION I REQUESTED. EMAIL CONTAINED A DOCUMENT NOTING THEY ARE AWARE OF THE DISPUTE & ANOTHER STATEMENT FROM XXXX ON XXXX XXXX. I am submitting a complaint again because the " proof '' submitted was a contract with a digital signature and I am questioning the validity of the signature. I requested the original contract with a wet ink signature as proof and that was not provided. 

The original CFPB complaint filed on XX/XX/XXXX was resolved. NCS responded on XX/XX/XXXX stating : " NCS has closed the account. We are no longer pursuing recovery of this account, and will request that any credit bureau listing made by this agency in connection with this account be removed accordingly. As a courtesy, we've marked this account for XXXX removal, we report every Monday and to our understanding... it takes about 30-45 days for a reflection on your credit report. '' However, after pulling my reports from credit reporting agencies on XX/XX/XXXX, I see the collection is still there. NCS failed to properly close the account and remove my information from the system, violating FDCPA and FCRA law.
Product: Credit reporting or other personal consumer reports

I am in the process purchasing a home. My score was XXXX, I decided to pay off my smaller debts in a attempt to increase my score further. The payment to capital one was delivered late. I reached out to Capital One and notified them of what took place. They informed me that they could waive the late fee. However, I'd have to dispute the status with all 3 bureaus. I disputed the status and credit score did not go back up.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to seek assistance with a tax reporting matter involving these charged-off accounts ( XXXXXXXX XXXX XXXX  XXXX XXXX ( XXXX  XXXX XXXX ) ( XXXX XXXX ) ( XXXX  XXXX XXXX ) ( XXXX XXXX - XXXX ) for which I have not received a Form 1099-C. This form is necessary to properly notify the Internal Revenue Service ( IRS ) about the cancellation of debt, as required by federal tax law. The account in question was charged off by XXXX XXXX XXXX  on approximately XX/XX/year>, XXXX  XXXX XX/XX/year>, XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; I have made multiple attempts to contact the creditor and request the Form 1099-C, which is required for accurate tax reporting. However, to date, they have not provided the form, nor have they indicated when it might be issued. As a taxpayer, I am committed to fulfilling all reporting requirements accurately and timely. The lack of Form 1099-C, however, has created uncertainty regarding my tax obligations for the period in question. I am concerned about potential IRS penalties or issues that may arise due to the absence of this documentation. I would appreciate any assistance the CFPB can provide in helping to resolve this matter. If necessary, please feel free to contact me at the information provided above for any additional details. Thank you very much for your attention to this issue. 15 USC 1681 15 USC 1681 s 602 15 USC 1666B ; 15USC 1681b ( 2 ) Never gave written consent to have them reported. Civil Liability for willful noncompliance.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  # xxxxxxxxxxxx XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX, Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account name : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account Name : CXXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, Account XXXX : XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX, Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

It has been 30 days and Experian still have NOT updated my credit report and score. There's OLD account still on my credit report. These accounts are more than 7 years old and by law should not be on my credit report.