23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loans are being serviced XXXX/PHEAA. Around last XX/XX/XXXX, I asked them about a difference in the calculation between the months I was tracking for qualifying payments for the public service loan forgiveness ( PSLF ) and what months they were reporting. Since XX/XX/XXXX, numerous customer service agents have repeatedly pushed back the expected timeline to hear about the results of the audit, with the latest customer service representative telling me the two months in question were somewhere around XX/XX/XXXX-XX/XX/XXXX or  XX/XX/XXXX-XX/XX/XXXX, but that XXXX hadn't credited these two months yet because they hadn't determined that I was in a qualifying repayment plan despite being in one before and after the two months in question. The customer service representative said it looked like some of the questions arising were concerning the status that XXXX had placed me in deferment for one day during the month - against my instructions and desires. The customer service representative once again said that the account was scheduled to be reviewed, but she could not tell me when the review would be completed. As a result of this negligence, XXXX/PHEAA is costing me valuable repayment credits toward qualifying payments made toward the PSLF program.
Product: Debt collection

PLESE HELP ME, THESE ITEMS ARE NOT MINE AND DEFINITELY FRAUDULENT ACCOUNTS, PLEASE TAKE ACTION IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Someone fraudulently made a reservation and stayed at the XXXX XXXX XXXX in XXXX, MA from XXXX XX/XX/2022 to XXXX XX/XX/2022, and my credit card was charged for XXXX. 

While we were in XXXX from XXXX XX/XX/2022 to XXXX XX/XX/2022, we stayed at the XXXX XXXX XXXX in XXXX, MA. We have provided evidence of our stay as well as evidence of our travel leaving XXXX on XXXX XX/XX/2022 to both Citi and XXXX. Inconsistencies also exist in XXXX 's dispute response letter showing incorrect phone number, last 4 digits of credit card that do not match mine, and a receipt for a guest named XXXX XXXX who stayed from XXXX XX/XX/2022 to XXXX XX/XX/2022. Also, during a phone conversation, I was told that the hotel had been booked through XXXX 
I have attached a snaphsot of our XXXX history to show there was no reservation or stay at the XXXX XXXX. All described evidence is included in the attachments. 

Citi nor XXXX disputes any of this evidence. However, after 2 investigations ( Citi first classified this as billing dispute and, only later at our insistence, switched this to fraud complaint ) Citi still insists that I am responsible for this bill. During my last conversation with Citi I was told that since I had done business with the XXXX XXXX in the past ( a stay in XXXX of 2022 ) that it was impossible to make a fraud claim. Upon asking for the law or regulation explaining how fraud was not possible just because of a prior transaction, the Citi representative hung up the phone. 

Citi reference ID : XXXX
Product: Credit card

One year ago I applied a capital one XXXX, which has one-year membership fee waived. This year I decided to switch it to a non-membership fee card. I called after they already generated the statement with new year 's membership fee. They would switch my card ; however, they do n't grant prorated fee about the membership fee, which I feel it 's unfair. As far as I know, other cards such XXXX doed prorated fee.
Product: Debt collection

On Tuesday the XXXX of XX/XX/2020 starting at XXXX eastern standard time I have received 6 calls from conns to collect a payment that is due. I feel extremely harassed and I am appalled that during a time of crisis in the country and economy that this would be considered acceptable. I am considering legal action through and attorney because I feel harassed but am willing to see the resolution from the company before I make that determination.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXXhree credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

on XX/XX/2025 around XXXX - XXXX i made a deposit of {$180.00} into an account that has bitcoin into the robinhood app. they proceeded to close my account when i attempted to transfer out and the assets are now trapped indefinitely.
Product: Credit reporting

So I have sent several letters to the credit bureau regarding XXXX accounts that are reflecting negatively on my credit report, XXXX of the accounts is XXXX XXXX, I have disputed stating that the account is inaccurate and I would like for it to be deleted, However the credit bureau sent me a letter stating the verified the information, I then asked for their verification method along with any documentation that they recieved to match it against my records, they did not provide that information, I then asked for information from them to find out who they spoke with and how did they speak with them, They still in return did not send me any information and continued to say that they verified the information but has yet to tell me how. Another account would be XXXX XXXX Bank, I sent a letter along with a check to XXXX XXXX asking them consider the account closed and paid by cashing the check that they received, They cashed the check which mean they agreed to remove the account and consider it paid, I sent the same method and information to the credit bureau requesting the account to be removed and they have not removed it and stated that they verified the information, of course, I asked for proof and any documentation along with the representative that they spoke with and they were not able to provide that information to me. I sent check # XXXX in the amount of {$45.00} and it was shown that it was cashed by XXXX XXXX Bank on XXXX XXXX, 2017. 
Another account would be a bankruptcy listed on my credit report, the credit bureau sent me a letter stating they verified it through XXXX XXXX, I then spoke with XXXX XXXX on XXXX XXXX, 2017 at XXXX and the Representative XXXX told me that no one has called or sent in any documentation to verify anything with XXXX XXXX on behalf of me, So I am not understanding how they claim to verify a bankruptcy.
Product: Debt collection

On XX/XX/2018 I received a screenshot of a text conversation between my ex-husband of nearly a decade and his aunt. His aunt was requesting I contact XXXX  Bank, as they have called her 6 times regarding my credit card debt. As I stated, my ex and I have been divorced for nearly a decade, and his aunt is no relation to me, has no contact information for me, and should not have been contacted once, let alone 6 separate times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX conducted a hard inquiry on my credit report on XX/XX/2022 without my signed consent. XXXX XXXX  conducted a hard inquiry on my credit report on XX/XX/2022 without my signed consent. XXXXXXXX XXXX  conducted a hard inquiry on my credit report on XX/XX/2022 without my signed consent.
Product: Credit reporting or other personal consumer reports

On XXXX, I took the lease vehicle to the Infiniti dealership located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Then, I received the Federal Odometer/Lease Termination Letter which is pretty much blank and missing a lot of important information. Infiniti has been reporting this account incorrectly and they refuse to update credit agencies with accurate information. 
They sent me to a collection company which after their investigation and I also provided documents, the collection company agreed to stop their collections efforts and asked the credit agencies to delete this information. I have documents to proof. 
Collection got deleted from my credit reports, but Infiniti re opened the account and it still not providing the right documentation. They are reporting as open and late. This account was closed back on XXXX. 
Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

The server error that Transunion had that deleted inquiries and public records from my credit report and later reinserted then without written notification after, they failed to follow th e Legal pr ocedure to do so. I called Transunion and the customer service representative would not help me and take care of the negative inquiries and public records reporting on my credit report.     The following public record and inquiries needs to be deleted!       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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, credit repair services, or other personal consumer reports

Equifax is improperly keeping old accounts in my file after that were lawfully required to remove them by falsifying the records and changing some of the information in order to retain the records for an indefinite period of time. Equifax has knowingly and interntionally refuse to remove/purge the negative/derogatory accounts in my file after seven years as required by law. They have done this by knowingly and fraudulently altering both the status and the Status and/or Payment History on the account. They have done this in order to prolong the account in my file. I have file numerous challenges to their incorrect information and have contacted them by telephone. Also, I have attempted to dispute the information many times. Equifax makes it impossible to rectify the problem. The US Government needs to shut these criminals down and ban them from keeping records of United States Citizens and they should not be allowed to operate in the United States.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX XXXX XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : Account number : XXXX, Inaccurate. 

XXXX : Account number : XXXX, Inaccurate. 

XXXX XXXX XXXX  : Account number : XXXX, Inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a certified letter on XX/XX/XXXX which was received by their office on XX/XX/XXXX. They were notified of several fraudulent accounts listed on my consumer credit report that was NOT made by me. I requested that they block these fraudulent accounts ( LISTED BELOW ) under the Fairs Credit Act 605b. According to the fairs credit act, once requested the Credit Bureaus are REQUIRED to respond within 4 business days. EQUIFAX HAVE FAILED to respond and block these fraudulent accounts therefore violating my rights under The Fairs Credit Act. I also requested that EQUIFAX remove the fraud alert from my consumer credit report as I have had it on my credit report for 2 years and Equifax still reported fraudulent accounts to my consumer credit report severely damaging my family and myself financially. I may also note that My information was breached in the Equifax Breach XXXX and also recently in that data mishap at the beginning of XXXX in which my score was inaccurate because of their mishap which caused severe financial hardship. I I would like assistance in this matter and if possible request legal assistance against Equifax for their repeated violations. I have attached the original letter sent to Equifax which includes an official FTC report filed with the Federal Trade Commission. 

FRADULENT ACCOUNTS XXXX. XXXX XXXX XXXX XXXX account # XXXX Open Date : XX/XX/XXXX. Amount : {$32000.00} XXXX. XXXX XXXX XXXX XXXX account # XXXX Open Date : XX/XX/XXXX. Amount : {$4000.00}
Product: Debt collection

I received notice of debt collection from Midland Credit Management. My first communication to Midland was a letter dated XX/XX/24 requesting validation. I sent another letter on XX/XX/XXXX via XXXX  with a proposed settlement, of which I received no response. I then wrote to Midland again on XX/XX/XXXX proposing a settlement offer, of which no response to that proposal was provided. I did receive a letter stating that they received a request to provide or update account information, of which was not the case. I have sent in a written response to Midland via XXXX  three times with a proposed settlement of which has not been directly responded to. In return, they mail me a document stating that I am requesting documentation about the accuracy of which is not the case. They continue to ignore my propsed settlement and each document/statement mailed to me is in a different style envelope resembling junk/spam mail. It appears that Midland is using collections tatics with a goal of collection notices going unnoticed and unresponded to so that they can file judgements. I filed a XXXX  complaint to try to get a response of the proposed settlement of which XXXX  notified me that Midland did not respond to either. Since Midland has ignored me in hopes to be able to get a judgement against me, I have went online to make a payment arrangement. It is very unfortunate that I have been trying to resolve this matter but Midland refuses to acknowledge my attempts.
Product: Debt collection

A {$3100.00} debt was reported to a debt collection agency, National Credit Audit Corporation XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX. I reached out to the debt collector and informed her that I never initialed or signed a lease. I was told that it didn't matter that I didn't sign a lease because I signed an add-on addendum. On the Addendum, it states that the Addendum is not valid if the new resident does not initial and sign the lease. So the addendum in INVALID. XXXX, at National Credit Audit Corporation, still refused to remove the debt from my credit report. She was also informed that it is illegal in the state of Maryland to report a debt without a court judgement. She still refused to remove the debt. Another error that was made is the balance. {$3100.00} was the debt amount reported to the credit bureaus. On the letter AND resident ledger ( which has the primary account holder 's name ; my name is not listed ) I received from XXXX at National Credit Audit Corporation ; the balance is {$3100.00}. The dates on the resident ledger are inaccurate as well. That apartment unit was vacated XX/XX/XXXX and the resident ledger has the move out date as XX/XX/XXXX. As of XX/XX/XXXX, I still have not been provided with a lease with my signature and initials nor have I been provided with proof of a judgement from the Maryland court system. National Credit Audit Corporation violated 15 U.S.C. Section 1692e ( 8 ) of 15 U.S.C. Because of this discrepancy, I'm unable to apply for any lease. I've gotten rejected 3 times, despite showing a good and progressing credit history.
Product: Credit reporting or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information that is being reported on my credit report. The following accounts contain false information, which is adversely affecting my creditworthiness and my ability to secure necessary financing for my family and me, such as obtaining a home : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Additionally, I have identified collection accounts that do not belong to me : XXXX. I XXXX XXXX XXXX. XXXXXXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information. I request that you conduct a thorough investigation of these accounts and remove any false information from my credit report. 

Please provide me with written confirmation of the results of your investigation, and if you determine that the disputed information is inaccurate, please ensure it is corrected promptly. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

I am unable to rent an apartment because this company is reporting that I owe {$5000.00}. They have not and will not provide the information of the debt. I was simply going to pay the debt but XXXX XXXX stated that he would not provide me a receipt for the payment if I made a payment. 

A receipt must be provided if a payment is made. I do not owe this debt anyway, but need a place to live due to fire.
Product: Debt collection

I received a call today ( XX/XX/2023 ) at XXXX PM XXXX to my cell phone number from Midland Credit ( XXXX ) XXXX. I called them back and asked why they were calling after XXXX PM when the Fair Debt Collection Practices Act forbids calls that late. They claimed theyre looking for XXXX XXXX spelling unknown ) and I said I dont know the individual. Ive had this same number for 16 years so either this person gave my number fraudulently or someone made a typing error.
Product: Mortgage

I have been requesting for mortgage assistance thru SPS for the last few years each time just gets denied for various reasons that dont make any sense. 

On XX/XX/2020 the lender denied me and on the denial letter it states my income was not considered as part of my evaluation review, they also mentioned that my payment could not be reduced enough to modify. In the review it does not appear my income was used to determine if I'm eligible for help, in your review under the Net Present Value it states my payment was to increase by {$30.00}, but as my income shows on my financial report I clearly have {$240.00} left over each month which I have not problem making this payment. 
SPS offered me a repayment plan for 12 months doubling my mortgage payment and leaving me with only {$400.00} for my monthly expenses including food, car expenses and utilities. I believe when SPS offered me this it was done intentional for me to fail. I made as many payments as I could until I could not afford it. Now each time I apply they deny me and are not allowing any home retention options. I offered them a contribution of {$10000.00} and asked them to place the remainder amount owed to the end of the loan and simply to allow me to continue to make payments but they even deny that. I feel SPS is more interested in the foreclosure of my home rather than helping me out. I would like CFPB to investigate SPS for any illegal activities.
Product: Student loan

Since XXXX XXXX XXXX  I have made contact with Mohela several times about refunding the payments made during XXXX. SO far after 18 months of trying I have only received {$2700.00} and am still owed {$8700.00}. I have reached out to them by phone and email through the Mohela website and all I get told is that they will open a case file and review it in 90 days. Only they never email or inform me in any way the outcome of the case. The last time I spoke with them in XXXX XXXX XXXXXXXX I was informed that the case I made in XXXX of XXXX was closed and the refund was not issued. I had to open another case and wait another 90 days to receive the first refund payment. I have once again sent an email to them requesting the remaining amount be refunded. I will also be attempting to get through the phone system they have set up which does not allow you to speak to a human being but just goes around in circles telling you to select a different number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with transUnion credit reporting agency a fewmonths ago regarding an fraudulent account showing on my credit report from XXXX XXXX XXXX XXXX in the amount of {$3100.00} as I was a victim of identity theft and this account does not belong to me. Included in the dispute, I sent in a police report a and a FTC fraud affidavit which TransUnion confirmed they recieved, removed and blocked the account. 2 days ago, this account came back to my credit reports despite them claiming to have blocked it. I called Transunion immediately and was told that they no longer blocks fraudulent accounts from reappearing on credit reports. But offered to dispute it the regular way, which take up to 30 days in which they could not ensure it would be removed. 

I requested to speak witha supervisor ( XXXX XXXX ), who confirmed as the previous representative stated, that they no longer blocked fraudulent accounts. I have attempted to dispute this account with XXXX XXXX XXXX XXXX to no avail as they have been unable to verify these charges belonged to me as theyve only sent in charges related the credit card. But nothing pertaining to any addresses ive ever lived. 

TransUnion is not obeying Section 623 ( a ) ( 1 ) ( B ) which requires data furnishers to remove/blocked fraudulent transunions within 3 days of recieving a police report and FTC Fraud report.
Product: Vehicle loan or lease

Notification of Sale of Motor Vehicle was signed for {$43000.00} by Buyer ( me ) and Seller ( XXXX XXXX XXXX XXXX ) with Wells Fargo listed as lienholder. 

Loan paperwork later received from Wells Fargo showing " additional products '' from XXXX XXXX totaling {$7600.00} These additional products were not disclosed in the Notification of Sale of Motor Vehicle, or any other paperwork signed at the time of purchase. Nor were they disclosed or discussed in any other manner at the time.
Product: Credit reporting or other personal consumer reports

All three credit bureaus have removed and replaced negative items on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN I HAVE A FEW ACCOUNTS IN MY NAME THAT DO NOT BELONG TO ME IT SEEMS MY INFORMATION HAS BEEN COMPROMISED THE FOLLOWING ACCOUNTS ARE XXXX AMOUNT {$33000.00} OPENED XX/XX/2020 ACCOUNT # XXXX AND THE OTHER ACCOUNT IS WITH XXXX ACCOUNT # XXXX