23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My application for the IDR plan was submitted and approved with FSA in XX/XX/year>. Due to the recent court rulings my loan servicer ( MOHLEA ) was unable to process my approved application. " If servicers need time to process a borrowers IDR application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance does provide IDR credit and PSLF credit ( with certified employment ). If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward PSLF or IDR until their application is processed. Interest will not accrue in the SAVE forbearance. '' This is the process that my loan servicer ( MOHELA ) should be following, and they're failing to do so. As a result my account with MOHELA has inaccurately accrued XXXX XXXX XXXX of dollars of interest over the past couple months. I have attempted to reach out to MOHELA on multiple occasions and I have waited on hold for multiple hours leading to no one ever answering the phone. On the few occasions that I have had someone answer the phone, they have told me they're unable to put me in a general interest free forbearance despite what the court rulings say. They're refusing to acknowledge what the SAVE Plan Court Actions has agreed upon and it is costing me XXXX XXXX XXXX of dollars. I have reached out to FSA about MOHELAS incompetence and they have failed to address the issue as well.
Product: Debt collection

Ive replied to their notices and explained this debt is not mine and i do not have account with XXXX  or lvnv. the constant letters are now considered harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i contacted XXXXXXXX XXXX  car loan company and XXXX XXXX XXXXXXXX to ask about a account that was open in my name XXXX account number XXXX and XXXX XXXX  XXXX account number XXXX i asked them why this was reporting under my name when i did not authorize these accounts to be open in my name. i never gave them authorization to do so with my personal information. there contacted number is XXXX XXXX and XXXX XXXX  XXXX XXXX i also contacted XXXX, Equifax and XXXX  regarding this matter with no resolution.
Product: Money transfer, virtual currency, or money service

I received a payment of {$2500.00} from an insurance company through Venmo on XX/XX/XXXX. My account was frozen the same day but I never received an email to notify me and I had to contact support to find out. I was told to wait 6-7 business days for their team to review. I sent my identification as requested by venmo chat support the next day. I reached out again on the XXXX because I still had not heard from venmo about the case and was told by chat support that it would be reviewed between the XXXX and the XXXX. I contacted support again on the XXXX because I still had not received any emails and I was told it would now up to 3 weeks to review. I haven't received any of the emails I should have regarding the situation and have had to go through support every step of the way. Venmo won't tell me why my account has been frozen or guarantee that I will be able to access the money after the period of time they are asking me to wait.
Product: Checking or savings account

Well Fargo close my account saying I overdraft over XXXX dollars when I had the protect plan spoke with many and I many customer service rep trying to fix the issue. No help at all. No its on my credit saying I owe them over XXXX in overdraft fee that was in 2012
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 statement account was paid in full. Overpayment actually. However there was small interest accrued and brought balance to {$1.00} - I did not receive any statements or email notifications of the balance. I signed up for electronic statements. I checked my junk email and nothing. So sense I didnt receive any mail or email notifications all was good. On XX/XX/2021 apparently there is a minimum finance charge and a late fee assessed to the {$1.00} which brought it to XXXX. Once again no email or mail notifications. XX/XX/2021 again another minimum finance charge and late fee and no notice or email notifications. I was closing escrow on a house in XX/XX/2021 and this showed up on my credit report. Credit dropped almost 80 points and changed the rate on my home loan and I had to pay discount points. All for {$1.00} and I wasnt notified. I did another over payment and paid all interests, late fees, and minimum finance charges. After I reached out to them I was shocked to find out they do not have a reporting threshold of XXXX or XXXX like most financial institutions. So if your late {$1.00} it will negatively effect your credit for years. Shocked! I asked for it to be reviewed by management for the small dollar amount of {$1.00}. The rep said it cant be escalated and I would need to contact XXXX or the CFPB. They would not review or help me with the XXXX Its my hope and request for the circumstances involved, the negative late reporting on my credit be removed from my credit. Just seems unreasonable and a financial hardship on the consumer for years. 

Im humbly requesting this be removed.

Any questions please ask. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a fraudulent inquiry was placed on my Transunion report. I contacted the bank XXXX and Transunion to have it removed. I filed a FTC report and mailed letter twice to Transunion with info they requested. I also have called XXXX 3 times each time they tell me they are or have sent information to Transunion to have it removed. To this date XX/XX/XXXX its still on my report. Pleas help me get this removed. Thanks
Product: Debt collection

This debt has been charge off, now it is comingbac for collects. I would like for thisto be removed from my credit report. XXXX and XXXX.
Product: Student loan

I am writing to formally lodge a complaint against Navient regarding their unfair denial of my private student loan cancellation request. Below are the specific details of my case : XXXX XXXX : ** XXXX Original Principal {$18000.00} Disbursement Date XX/XX/XXXX XXXX Original Principal {$10000.00} Disbursement Date XX/XX/XXXX XXXX Original Principal {$4000.00} Disbursement Date XX/XX/XXXX XXXX Original Principal {$7200.00} Disbursement Date XX/XX/XXXX Original Principal XXXX Original Principal {$7000.00} Disbursement Date XX/XX/XXXX Despite following all necessary steps, providing all required documentation, and demonstrating that I meet the necessary criteria, my request for student loan cancellation was denied. When I initially received the application, it took multiple tries to fill it out as the file sent to me kept corrupting and not saving ( I have attached a copy to show as example ). Navient responded, but has not provided sufficient explanation or justification for their denial, nor have they offered any reasonable options to resolve the matter. The denial of my request has placed an undue financial burden on me, as I am already struggling with affording everyday life necessities. This student loan debt is a significant barrier to my financial freedom and is preventing me from achieving important life goals, including buying a home or even thinking about starting a family, let alone taking care of my XXXX XXXX  mother. I believe that Navient is not acting in good faith to help me find a reasonable solution or offering any alternative options for resolution. This has caused significant frustration and stress.
Product: Debt collection

I was sent a collection notice from TRASWORLD SYSTEMS INC dated XX/XX/year>, and received on XX/XX/year>, which identified them as a debt collector. I responded to the letter on XX/XX/year>, via XXXX Certified mail XXXX XXXX XXXX XXXX XXXX XXXX requesting that they, as a third-party debt collector, do not contact me again. 

On XX/XX/year>, I received another debt collection letter from TRANSWORLD SYSTEMS INC for the same debt that I had demanded that they not contact me for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have exercised my rights under the Fair Credit Reporting Act by initiating an investigation regarding my consumer credit report. I have submitted copies of my social security card, current utility bill, and government issued ID with each written dispute request, I have submitted a dispute for the following items a total of 12 different dates via us mail. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have not received an investigation summary and or results for any of the disputes submitted. My consumer request have been ignored and obviously not properly investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account that i payed on time every month but they are showing 2 late payments on my credit report. I have tried correcting this issue with the company and the credit bureaus but had no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX XXXX Furnished date : XX/XX/2020 Bureaus Reporting : XXXX ; Equifax I was able to seek legal advice on cleaning up my consumer report, and noticed I have rights as a consumer granted to me by Congress. After studying I noticed this company along with several others have been violating my rights and taking advantage of me as a consumer.

Violations : 15 U.S. Code 1666b : Timing of Payments 15 U.S. Code 1681b Permissible Purpose of consumer reports 15 U.S. Code 1681e Compliance Procedures I reached out to this company with several attempts explaining how they are violating my rights by furnishing accounts without my consent onto my consumer reports, as well as directly ign
oring my Congress granted rights. I also reached out to XXXX and Equifax to dispute the account but the company ignored my request and did a subpar investigation into the situation that took only 1-3 days long.

I am requesting this company XXXX XXXX XXXX XXXX XXXX to remove the account from my consumer report immediately. There is no excuse for ignorance of the law. I am not disputing the fact the account belongs to me I am simply requesting to keep the transactions and experiences by us private and to not be shared with any 3rd party agencies.
Product: Credit card or prepaid card

XX/XX/2022 I sent in a payment to Capital One trying to pay the account in full. The payment was denied and they closed my account XX/XX/2022. I called back and tried to remedy the situation and they declined to reinstate my account. I have excellent payment history and was simply trying to attempt to pay the account in full. Since then I have paid the account in full and there is a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$36000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-ACCOUNT- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$36000.00} -This is not my account.
Product: Credit card or prepaid card

I purchased three air conditioning units on XX/XX/2022. One unit was cancelled and credited back to the account. The next two units both arrived damaged in transit and boxes soaked and opened. I tried contacting the company directly. They said to return the items in original box. I sent one unit back but the second one they refuse to take. Upon further inspection I found that XXXX XXXX XXXX XXXX has a horrible track record for customer service. I provided this information to Chase and they still have not issued a permanent credit. I hired an independent XXXX repairman to tell me the issue. His report is attached and has been forwarded to Chase Bank. You will see that he states the air conditioning unit is defective and damaged and needs to be replaced. Chase has provided temporary credits but they need to make them permanent as the company refuses to refund XXXX XXXX for the damaged XXXX units.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on several occasions commutated to Equifax to block and stop putting my alleged private transactions on my consumer report without my consent that's identity theft they are sharing my info to make a profit. I never gave verbal or written consent to anyone or received a disclosure to do so. I filled a complaint on cfbp portal XX/XX/2022 to remove these items that replied back saying will would remove them an they are still on my report causing emotional stress to me defaming my charter. Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. Therefore, EQUIFAXis now knowingly in violation of the FCRA and is not taking steps to correct that violation. I have attempted multiple times to have Equifax reverse the erroneous delinquency filing and they have refused to do so on each occasion.
Product: Credit reporting

Contacted Equifax XXXX XXXX # XXXX to request deletion of outdated account XXXX XXXX # XXXX. CRA is re-aging date of first delinquency ( XXXX ) to date of charge off ( XXXX ). I told him that the creditor has 90 day to report the charge off per section 623 ( a ) ( 5 ) which is the ( XXXX ) date
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/XXXX, I received notification that payments were sent from my Venmo and XXXX and that my bank account had been hacked, I was out of town in XXXX NE. I went to a local branch and froze and canceled my account. When I arrived home, I went to my branch and kept my bank frozen as they are trying to use my funds. My bank was able to cancel the XXXX, I reached out to Venmo as they did 4 transanctions under " dummy transactions '' and I immediately disputed the claims via Venmo. I contacted Venmo daily regarding the status. On XX/XX/XXXX I received an email from Venmo that they have funded these transactions, I immeditely called as to WHY would they release funds when these transactions are clearly in dispute and I did NOT authorize such. I told them my entire banking was hacked and never did they ask for anything. On XX/XX/XXXX XXXX I received and email that my claim was denied and that I owe them {$1800.00}. I told the agent when they released the funds, that I did not authorize these transactions, they are NOT mine and I am not paying for these. I want this to be investigated as clearly Venmo can see these disputes and also labeled dummy transanctions.
Product: Prepaid card

Was informed of an update to take place XX/XX/XXXX,2015 by rush card ... ..as of today XX/XX/XXXX2015 I am still unable to receive my funds or my direct deposit from work. They are no longer answering phone calls or it will automatically hang up. This is unfair. I have bills and daily living to do which I ca n't because I ca n't access my money
Product: Checking or savings account

In XXXX of XXXX someone broke into my vehicle and stole my phone, purse, identification, bank cards, check book and other items. That year this person used those items to deposit a fraudulent check into my personal checking account and they ruined my business account that was in the business name of XXXX XXXX XXXX XXXX XXXX. 

I have made several attempts to clear this matter up including taking the police report into the bank and have a representative send it up to the proper servicing center on 3 occasions in XXXX. I also mailed a copy with my explanation to the customer service center in XXXX, North Carolina. 

Truist is still treating this matter like it was my fault. They closed both my accounts and have refused to talk to or do business with me further. I understand they take fraud very seriously as I do as well. I am the victim in this situation and Truist has treated me very unfairly even with my evidence proving I did not complete the fraudulent transaction. 

They are also reporting the activity to XXXX XXXX and XXXX XXXX XXXX which has kept me from getting any credit since this happened. 

This has caused mental pain, XXXX, anguish, homlessness, embarrassment, pain and suffering. I had to close my business due to being misreported and misrepresented. 

This is unlawful according to : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I didn't start these solicitations, and I'm not related with any of the banks recorded. Generously eliminate them from my credit report right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a letter in the mail requesting a response from collection agency by XX/XX/XXXX. 

Today is the XXXX of XXXX and it hit my credit report on XX/XX/XXXX. To add insult to injury this account its referencing was under the Covid relief program, therefore I only owed {$100.00} of which was paid.
Product: Debt collection

Company is calling my place of employment. I could be fired. Please have them stop calling my phone. A payment plan has already been established.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( XXXX XXXX XXXX ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card

I recently applied for a CHASE SLATE card and was told that confirmation of my actual physical address was required for approval. I was reluctant to provide more than my mailing address as I work in XXXX and have security concerns but after being assured this would be kept confidential and I would be approved once they had my address, I provided it. I then followed up and was told I was turned down because of my account balances vs my credit lines. I applied for the account as I wish to lower my balances by transferring them to a 0 % account and paying them off much faster! I feel as if I was declined simply to punish me for resisting giving my home address and complaining about it.
Product: Checking or savings account

My direct deposit was not available in my account despite proof it was sent from my employer. I have had numerous late fees and failed payments because my hard earned funds are not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response as of yet. I feel as if I am being taken advantage of and being ignored regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you have caused me. My information was also impacted by the Equfax data breach and may have gotten in to the wrong hands.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account listed below is a complete VIOLATION of the NO SURPRISES ACT, DELETE the listed account Below IMMEDIATELY from my credit reports. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} SXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}