23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

It has been over a month now in which I received a statement from MOHELA, stating that my XXXX payments between XXXX and XXXX qualify forTEPSLF. But they will not update my account or my qualifying payments. I have sent multiple emails asking for updates and the only updates I receive are the ones with current payments. I am currently at XXXX qualifying payments yet. They will not add the XXXX qualifying payments from XXXX to XXXX in which MOHELA even states that I qualify for. Please see the attached email from MOHELA Verifying the payments from XXXX to XXXX. The company will be shutting down for the next XXXX months in which they will not be adding any qualifying payments. I have been asking MOHELA to update these payments before the shutdown so that Im not paying almost {$400.00} a month while they are shut down when they have known and plenty of time to qualify me for public student loan forgiveness. I have been paying on these loans for over XXXX  years so theres an absolutely no reason why they can not update my account.
Product: Mortgage

I have a VA Mortgage through Freedom Mortgage and in XXXX did an Interest Rate Reduction Loan ( IRRL ). Previously I expressed on what I was told on " recorded telephone lines '' to remove my phone number, email, and mail from any further solicitation. I was assured in XX/XX/XXXX that my name was removed to " no further be contacted ''. Since I have been contacted several times by representatives of Freedom Mortgage trying to solicit me to take out an equity line of credit on my residence. In the past 24 hours I have been contacted two times ( XXXX XXXX and XXXX XXXX ) with these services even though I have requested several times not to be contacted. I contacted Freedom Mortgage today at XXXX XXXX. using phone number ( XXXX ) XXXX and again was told on a " recorded line '' to be removed from all solicitations. This happened to me in XXXX and I took out an equity line of credit before the housing crash, resulting in liquidating all of my XXXX and savings to pay off the mortgage in order to move to another state. This is the same strategy that occurred then and will more likely happen in the near future, resulting in over valued homes and the collapse of banking industries. I do not want to be contacted and feel Freedom Mortgage is preying on Veteran 's trying to have them take out monies on the equity of their homes, which I feel is predatory.
Product: Credit card

I hope you can help me with settling the matter related to a continuing balance on our account for the XXXX charge cards referenced above. We 've have been trying to resolve this matter for more than six months but without any success. 

On XXXX XXXX, 2016 in excess of {$3000.00} was charged to our MasterCard ending in XXXX in a single day - actually - in a single afternoon. These were fraudulent charges made by an unknown user - they were not made by us, nor had we authorized anyone outside of our family to use our card. We only learned of these charges when over {$3000.00} in charges had been accumulated and when I received a phone call from Citibank asking for verification for a {$2400.00} purchase. The Citibank fraud investigator that I spoke with was very cordial and helpful. After I indicated that we did not make the {$2400.00} charge he indicated that we were likely the victim of a security breach. I then asked him for details on any other charges made that day and we worked through identifying several additional charges from that day 's activity that we did not make. He assured me that all of the charges would be removed immediately and a new card would be issued. 

Unfortunately, it was not until XXXX, 2016, after repeated phone calls and email messages, that all of the illegal charges were finally removed from our account. I am truly both exhausted and frustrated by the amount of time it has taken to resolve this matter. In fact, our family has not used the card to make a single purchase since XXXX XXXX, 2016. 
As I write this, there is a balance of {$270.00} about which I have made numerous phone calls to Citibank Customer Service. All toll since XXXX, 2016, I have easily spent more than 8 hours of my time desperately trying to get this matter resolved in a timely matter but to no avail.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report. 
XXXX XXXX XXXX XXXX  : {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit bureaus reported on XX/XX/21 that comenity/express pulled my credit today. This is a hard pull. I did not recently apply for a new card or more credit from any company including Comenity bank/express . I asked company in writing and via phone call to please research and remove this from my credit reports. I spoke with customer service department at this company, also the fraud department at this company and the applications department and none were able to help me. The applications department said they had no recent applications for credit on file under my name. I was told to contact each credit bureau to report fraud and that there was nothing Comenity bank/express could do to resolve this issue for me.

I do have an active express account which I have had for 10 years and there are no known issues with that open account. 

I just want this recent hard pulldated ( XXXX ) to be removed from my credit reports. I would really like to know root cause of this issue so responsible party is held accountable.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my XXXX XXXX. Despite my efforts to resolve this directly with the reporting agency, the issue remains unresolved. 

The inaccurate item ( XXXX ) incorrect balance, late payment incorrectly reported, or an account that does not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to urgently dispute a glaring error on my credit report that has unjustly damaged my credit score and financial reputation. The payment history for my XXXX XXXX XXXX XXXX account ( Account Number : [ XXXX ] ) shows a 60-day late payment for XX/XX/year>, even though I paid on time. It is impossible for an account to jump from " paid on time '' to " 60 days late '' without any prior delinquency, making this error both illogical and deeply misleading. This false reporting has manipulated my creditworthiness, caused unnecessary stress, and made me feel taken advantage of by a system that is supposed to ensure accuracy. I have already given two opportunities for this to be investigated, yet the error remains, leaving me no choice but to demand the immediate deletion of this account from my report. Enclosed is a copy of my credit report highlighting the incorrect information. I expect this matter to be resolved promptly, and I look forward to confirmation that this account has been removed. Thank you for your urgent attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : [ XXXX XXXX XXXX XXXX XXXX XXXX Texas ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas ] There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] Additionally, I request the removal of the incorrect employers listed below : [ XXXX XXXX ] [ XXXX ] The only job I need listed is : [ XXXX XXXX XXXX XXXX ] Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address
Product: Mortgage

PHH mortgage is my lender. 

The company charges a XXXX $ " Included Draft Fee '' when making an additional payment. 

An agent with the company told me that if I was included in paperless I would not be subject to the Included Draft Fee. 

I feel like people should be entitled paper copies of their mortgage statements AND not be subject to an additional fee when they are already paying hundreds of thousands of dollars to their mortgage company.
Product: Debt collection

PLEASE HELP ME, EVERY TIME XXXX SEEING THESE FRAUDULENT ACCOUNTS, THESE ARE GIVING ME STRESS. I WANT THESE TO BE TAKEN OFF FROM MY CREDIT REPORT PERMANENTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize, Please also update my personal info
Product: Checking or savings account

I woke up XX/XX/31 to emails stating my account has been closed due to the account is not in compliance with terms and agreements. I tried speaking with someone and they claim they cant assist via phone i have to email support for help. Support is not just one person so if I'm being assisted with one person if i send another email it goes to someone new and i have to start all over again. They claim they needed to verify my last deposits i sent them the receipts of the store i went to reload my card in cash along with my ID. I've done this 7 or 8 times so far. They are not giving me a reason or what is wrong that my account was closed i had XXXX in the account. It has been 30days passed and now They're holding my money hostage and i really believe its most of the agents that are overseas do not know what they're doing. Now i need to find legal console or if submitting here will even work out.
Product: Credit card

I filed claim case # XXXX on CFPB addressed to Banco Popular de Puerto Rico. Banco Popular responded to that claim : " Relief We referred to the XXXX and XXXX Credit Agencies the removal of the additional inquiries to your credit report. '' I contacted XXXX and XXXX Credit Agencies today ( XX/XX/2017 ) and both of them advised me that Banco Popular de Puerto Rico had not referred any removal of any inquiries to my credit report. They advised me to contact Banco Popular so that they communicate XXXX and XXXX through their credit system the removal of the additional inquiries to my credit report. 
I then called Banco Popular at XXXX on XX/XX/2017 as suggested on their response to my claim and the agent that took my call had no clue about my claim case # # XXXX filed to the CFPB. 
I thus have no alternative but to file another claim to the CFPB : ( 1 ) To report that Banco Popular did not refer to XXXX and XXXX the removal of the additional inquiries to my credit report as promised on its response to claim case # XXXX. 
( 2 ) To bring to your atention that both XXXX and XXXX advised me that if Banco Popular would refer the removal of the inquiries through their credit communication system, the removal of the inquiries would be almost immediate. 
( 3 ) To request once again that the additional hard inquires are removed from my XXXX and XXXX Credit Reports. 
( 4 ) To report that Banco Popular was unable to assist me on the phone regarding this case in contrast to what was stated on their response. The agent had no clue about my case. He could not find it. This is unacceptable.
Product: Mortgage

This is my 4th complaint lodged against this company. 
In a complaint ( # XXXX ) filed thru the CFPB on XX/XX/XXXX which was my second complaint about their actions & behavior, I stated the following : I will conduct all further engagement with them via USPS mail. In addition, I will not accept any calls from them & will deem any call from them henceforth to be of a harassing nature & will treat as such. Thats direct & to the point. I further stated : I will also forward a copy of this to my attorney. I will also contact the Federal & State authorities about this matter. Again, direct & to the point. These statements were written on XXXX XXXX. 
On XXXX XXXX I received a written response to my complaint of XX/XX/XXXX. In regard to loan number ending XXXX LoanCare wrote and specifically Ms. XXXX XXXX was the author, that at the top of page 2 stated We received a request from you to cease telephone communications on the account and on XXXX XXXX, the account was updated with the cease and desist request. In regard to loan number ending XXXX about two thirds down page 2 it stated : We received a request from you to cease telephone communications on  the account and are in the process of updating the account with the request. Really?? Seriously??!!!! It takes you an additional week to get to implementing that demand when you are already doing my other account at time you drafted the letter?? But its LoanCare so guess I shouldnt be surprised.

Guess I shouldnt be too surprised either to be on the receiving end of continued telephone harassment by your company. As of todays date I have received no less than 4 phone calls from LoanCare since the  above complaint was made and that letter of XX/XX/XXXX stating they were updating to indicate a cease & desist with both loan accounts. All calls were logged & recorded. I was very clear about how any calls would be considered & treated. Therefore, Ill be very clear with LoanCare exactly what is going to happen. As promised I will make certain that any & all Local, State & Federal agencies are aware of this continued harassment that is occurring in direct contradiction to what LoanCare said it would do & agreed to in writing. In addition I will seek any & all  sanctions, investigations and actions up to and including civil & criminal. I spelled out in my original CFPB complaint of XX/XX/XXXX that I would ONLY engage with LoanCare via written communication thru USPS. Let me spell that out for you in case you missed the obvious. By stating I will conduct all further engagement with them via USPS mail.. that means just that and ONLY that and no emails either. Based on their past performance with their website I will NOT engage with them online as for all I know their online communications could harbor malware, ransomware or viruses. Written communication thru USPS means just that with no room for creative interpretation.
Product: Checking or savings account

My Name is XXXX XXXX I am a homeowner and filed a claim with my insurance company XXXX which made good on a claim for property damage. ( Repairing my cabinets. I received a claim check from my adjuster in the amount of {$2500.00} for the repairs. On Saturday, XX/XX/XXXX I deposited my claim check with Bank of America, who immediately put a hold on the funds, stating that Nationwide, which is a National Company is infamous for insufficient funds. After an objection the banker advanced XXXX of my claim check, however, she applied without my knowledge applied the funds as nonsufficient overdrawing my account, and causing my phone bill to bounce. I've gone to the supervisor to the bank who refused to reverse the charges. I contacted XXXX claims, who advised me the check has cleared. I do not know what to do Bank of America is destroying my finances and showing no mercy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$190.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX XXXX {$420.00} XXXX XXXX  XXXX {$970.00} XXXX XXXX XXXX   XXXX {$390.00}
Product: Credit reporting or other personal consumer reports

XXXX reinserted a account that was removed through litigation and refuses to delete it
Product: Credit reporting or other personal consumer reports

I sent in a letter through the mail on XX/XX/24 for this company to update my information accordingly with the credit reporting agencies and never received a response on the matter so I am now requesting all responses be sent through this CFPB portal to keep record of all communication with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all inaccurate information on my credit report with transunion. checking all information that is not verified needs to be removed off my credit report. please review an delete the info listed to correct all invalid data an prevent the denials due to the incorrect data listed. please remove asap.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violated the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, BUT THEY WILL GET AWAY WITH IT? 
Just this morning, Monday, XX/XX/XXXX, I found out through XXXX XXXX XXXX  free credit reporting service called XXXX XXXX, that Trans Union not only does not show anymore my 2 accounts with XXXX XXXX  as negative and derogatory accounts, BUT THAT THOSE 2 ACCOUNTS WERE ELIMINATED FROM THE TRANS UNION CREDIT REPORT AS IF IT NEVER HAPPENED? THIS DOES NOT SOLVE MY PROBLEM EITHER : ALL MY EFFORTS STEP BY STEP TO FULLY UPDATE AND PAY THIS 2 ACCOUNTS WITH XXXX WERE SIMPLY ERASED AS IF IT NEVER HAPPENED? I PAID AS AGREED A CERTIFIED PAYMENT AGREEMENT DIRECTLY WITH THIS BANK NEVER TO A COLLECTION AGENCY TO THE ORIGINAL ACCOUNT NUMBER AT THEIR OWN BRANCHES IN CASH, THERE ARE 2 LETTERS CERTIFYING THE BEGINING AND THE END OF THE CERTIFIED AGREEMENT BOTH FROM XXXX, A COLLECTION AGENCY LETTER RECOGNIZING THIS AGREEMENT INFORMING XXXX WAS GOING TO REPURCHASE THIS ACCOUNT AND RECOGNIZING I WAS PAYING DIRECTLY TO XXXX, AND ALSO, THERE IS A XXXX LOAN I FULLY UPDATED DIRECTLY WITH XXXX STEP BY STEP UNTL 34 REGULAR MONTHLY PAYMENTS AFTER IT WAS UPDATED ON XX/XX/XXXX THE SAME BANK SANTANDER PROHIBITED ME TO CONTINUE TO PAY IT? RETURNING MY LAST PAYMENT JUST TO KEEP REPORTING IT WAS A LOSS AND FAILED TO PAY WITHOUT NEVER UPDATING THE CREDIT REPORTS? ALL MY EFFORTS ARE GOING TO BE THROWN TO THE TRASH? XXXX OR THEIR NEW PARTNER XXXX XXXX DECIDED THIS SOLVES EVERYTHING? 

THAT IS NOT TRUE : DURING ALL THOSE YEARS OF INCORRECT AMD NOT PRECISE CREDIT REPORTING BY XXXX, SPONSORED NOW BY XXXX XXXX, MY CREDIT REPORT WAS SHOWING FALSE DELINQUENCIES FOR THIS 2 ACCOUNTS, I WAS CONSISTENTLY DENIED UNFAIRLY EVEN FOR SMALL LOANS UNLESS AT A TOO HIGH INTEREST RATE FOR AFFECTED CREDIT, HAD TO ACCEPT 2 MASTER CARDS FROM XXXX XXXX XXXX  AT A TOO HIGH INTEREST RATE OF 36 % THAT EVEN TODAY 5 YEARS AFTER WAS UNABLE TO CLOSE WITH A NEW SMALL LOAN JUST TO CLOSE THIS 2 CARDS WITH NO MONEY LEFT FOR ANYTHING ELSE? ALL THE NEEDS WERE NOT COVERED, HAD TO APPLY WITH MY MOTHER AS CO DEBTOR SEVERAL TIMES AND EVEN WAS DENIED WITH HER LAST TIME AT A PRE APPROVAL FROM XXXX XXXX XXXX FOR THIS PURPOSE?