23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2022, I called EdFinancial and submitted a request for a {$10000.00} refund that I am eligible for under the new student loan forgiveness law that was passed. I paid {$10000.00} of loans off during the COVID repayment pause, and therefore I am eligible to receive a refund for those payments I made. On XX/XX/XXXX, EdFinancial said they put in a request with the Department of Education and I should see the refund in my bank account in 6 weeks. I called today ( XX/XX/2022 ) since I still have not received my refund and EdFinancial said that it is still being processed and they can't give me a timeframe with when I will receive my refund nor can they give me a confirmation number of my request. Talking with people in my life who have submitted the same refund request with other loan companies, they said they got their refunds within a month. I'm not sure why EdFinancial is taking so long. They are blaming it in the Department of Education, but other loan companies are not taking this long. I am concerned that my refund is not being processed since they won't give me a confirmation number. Considering their recent security leak where my social security number was hacked, I have little confidence that I will ever get the refund I am eligible for. Please let me know if you need more information from me to help resolve this problem. Thank you for your time
Product: Checking or savings account

I made a cash deposit to my account in the bank with a teller on Wednesday the XXXX of XXXX. I got a receipt. On the next Saturday, the XXXX of XXXX I checked my account and discovered that my deposit on the XXXX was not credited to my account. I called the US bank customer service number on the back of my ATM card. The customer service person, XXXX, filled out a lost deposit incident report and advised that I call the branch when they opened later that day. I did call the branch and talked to the branch assistant manger XXXX. XXXX checked around and even talked to the teller who handled my deposit. He remembered me and the amount. I said ... how about crediting my account. XXXX said that she couldn't do that ... that the bank had to look into where the problem was and that it may take awhile. I told her that I shouldn't have to wait for what is a bank problem. XXXX was very hard to deal with ... especially when she kept saying that she didn't appreciate my tone and that I was being disrespectful. 
Later, I talked with a real manager, XXXX XXXX. 
I have copies of my correspondence with Mr. XXXX as well as the copy of my original deposit.
Product: Credit reporting or other personal consumer reports

According to my most recent credit report, i have hard inquiries that is currently reporting to the XXXX credit bureaus that I applied for credit with their organization. I did not grant anyone authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you.
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account aXXXX XXXX  XXXX XXXX XXXX XXXX, and XXXX XXXX. I received a call from FMA Alliance trying to collect a debt for XXXX XXXX. I contacted the agencys to report the identity theft but I did not received any response. I was instructed to send the police report trough email, but they never responded. I have an identity theft reported, multiple accounts for utilities were opened under my name fraudulently. A police report was filed.
Product: Credit reporting

They are reporting XXXX Bank acct # XXXX XXXX/XXXX/XXXX as charged off. per attached documents this account was included in bankruptcy. 

they are reporting XXXX acct # XXXX XX/XX/XXXX charged off. 
attached documents show account included in bankruptcy
Product: Credit card or prepaid card

I transferred XXXX points that I had on my chase southwest credit card to my wife 's account. Now the credit card company charging {$600.00} for no reason. I filed a complaint with credit card company chase unable to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACIMA DIGITAL FKA SIMP stated that they was not going remove account number XXXX but, how is that possible if the open date is inaccurate, the date for last payment is also inaccurate. I would like to see the original contract with the date that you provide if not, this ground for removal, they also violated my rights under 15 U.S.C 1681 section 604A Section 2. The law clearly states a consumer reporting agency can not furnish a account without my written instruction Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/ ( Please provide adequate proof that I opened this with the that you provided account with original documents with my signature ) Balance : {$3300.00} No. of Months ( terms ) : XXXX High Credit : {$3100.00} Credit Limit : {$0.00} Past Due : {$2200.00} Payment Status : Collection/Charge off Last Reported : XX/XX/XXXX  Comments : Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Unpaid balance reported as a loss by the credit grantor. 
**CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Date Last Active : XX/XX/ Date of Last Payment : XX/XX/ ( Need proof that this payment was made by me. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and CAPITAL ONE with no successful resolution. There was definitely an error on their part.
Product: Debt or credit management

Lexington Law was hired to help fix my credit and they did nothing.
Product: Credit card

My account has had numerous fraudulent charges and Home Depot/citi card does not do their part in correcting the situation Thus far they have charged me interest and have filed late charges on my credit report that arent because of me They have screwed up my credit score I make my payments and homedepot/citi card pay off the fraud charges with such payment Then they continue to XXXX me by wanting more money than what is due Since I have promotional balances with set expiration dates sort of pointless at this moment I now have late payments on my credit score because of them I need this to stop already their third world employees dont even understand English so how can they address my issues correctly please help in fixing my current issue with this company I believe their system has been breached and my account was one of them I have been fighting this issue since XXXXXXXX XXXX XXXX  the company does nothing to correct it but over charging me fees they do not want to refund me the fees owed to me I should be entitled to all fees reversed since the problem is on their end not mine Their response to this is we cant do anymore fee reversals again this is not my problem So now Im being screwed over again On top of the hackers hacking my account I feel homedepot /citi is hacking me for extra funds
Product: Debt collection

They told me that it was a waste of my time to contact the original vendor to which the debt was owed. They said that the payment would HAVE to be made to the debt collection company in the case IC systems. Which is false and misleading. 

I was able to contact the original vendor and pay them directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

A third party Debt collector namely XXXX XXXX brought and obtained an debt by XXXX XXXX the party who bought the current debt stated on my credit report that I open or bought services or items on XX/XX/XXXX, when in actuality I never brought any services, phones or other items from them at ANYTIME! The account may have been a part of on older Bankruptcy filed here within the state of Kentucky.According to this Agency that a debt of {$560.00} dollars was vested by me which in fact I dont have any services or phones through this Wireless vendor. And in fact I never had. Also several Credit reporting Agencies stated that I lived at XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX, CA. XXXX, which in fact I have never resided at this location because I've lived here in this state for the majority of my life. And accordingly they also reported that several student loans that were dismissed, paid off, charged off, past the " legal '' mandatory statue of limitations has ran out on several if not all of these loans. XXXX who is the provider of my various loans sent me a letter dated XX/XX/XXXX a post-discharge monitoring period was in effect for a total of ( 3 ) Three years from the discharge date. I fully met these requirements due to being XXXX and unable to pay off any of these loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA, XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX CA, XXXX ; XXXX  XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX
Product: Debt collection

I think these calls are from Synchrony Bank.  They just took over PayPal.  I called them and explained that I had just gotten a new job and would catch up my payments as soon as humanly possible.   I'm not sure if the rep understood as their English was XXXX XXXX.I did make a XXXX dollar payment XX/XX/2019So far today alone they have called 5 times.
Product: Mortgage

My loan was Previously with XXXX it was sold to Ocwen LLC SINCE this time it has been a nightmare to say the least. Very unprofessional company to deal with. I have been hit with so many different type of fees with out explanation as to what they are really for. I contact customer service for assistance with a modification year after year and I still get the same answer we can not assit you, however they still continure to tack on unnecessary fees making it difficult to maintain the mortgage. I feel like this is preditory lending at its best. And Customer Service is the worst. I have asked for a call back from my relationship manager and to this day the only call I recieved was a call from a person that had no clue as to what my concerns were or what I needed assistance with. 

Never do business with this company they are the complete worst!
Product: Credit reporting

I have advised this company before that my identity had been compromised and they still fail to keep me safe. Everything on my report looks correct as far as i cal tell with the exception of a couple accounts that are not mine, however the purpose of this complaint is because i have not been seeking any credit yet i see inquiries on my report.
Product: Mortgage

Shellpoint Mortgage Servicing ( NewRez ) is my mortgage servicer and supposedly paid my property taxes on XX/XX/20 in the amount of {$4900.00}. The collections group for my area informed me on XX/XX/20 that I had yet to pay the taxes on my home. I contacted Shellpoint and for four weeks not a SINGLE PERSON in their company has been able to tell me even the most basic information about the payment : Was the check cashed? What was the check number? Were my taxes sent with other taxes? If so, what was the total amount of that check? Where is this money now? Why was it not debited back to my escrow? 

Due to the fact that my taxes are now 3 months late, I owe an additional 12 % of face value as a penalty. 

Currently not a single person at this company can located the {$4900.00} or tell me where this money was sent. Additionally, I am continually told that I am not allowed to speak with anyone from the tax department that is able to help resolve this issue, as it is 'against company policy. ' For almost 4 weeks I have worked tirelessly to contact them and get information and resolution to this problem to no avail. 

My taxes are now being sent to collections and my servicer continues to not take any action toward resolving this issue. 

I believe it is likely that this is a criminal organization that is mis-appropriating escrow funds and lying to homeowners about where their taxes are being sent. 

To any futures homeowners : prior to signing your mortgage, ensure a clause is included that prevents the mortgage or mortgage servicing rights FROM EVER BEING SOLD TO SHELLPOINT MORTGAGE SERVICING or any of it's successors.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX {$1000.00}
Product: Debt collection

I sent Equifax multiple letters to very that this account was owed by me and I never received a copy of a application with my signature.
Product: Credit reporting or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act. discover bank, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card a open-end consumer credit plan as late for any purpose. 
Remove this account and update my report as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I have no problem with the company , - bank of America ( BOA ). I was wondering whether you have the tools to track down the fraudster who called from XXXX XXXX to prevent them from bilking other bank customers.

The fraudster texted me initially asking if I wired {$9900.00}. Press 1 if yes, 2if no.

After pressing no, they said they wanted to catch the teller who was responsible but to keep the affair secret from other tellers because it was an inside job.

To prove they are not fraudsters, they said I would get a call from the bank indicating the authentic phone number on the back of the debit card. And I did get the call from the authentic number posted on the back of the card. I later found out from BOA that that practice is called " snoofing '' where a fraudster could use the real bank number pretending to be a real BOA employee.

I hope you're able to protect other consumers.

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

Upon reviewing my reports, the incorrect accounts were 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 unverified accounts 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 update immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> GLOBALLEND Dear Credit Bureau, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Citi XXXX credit card lowered my credit limit from $ XXXX to {$500.00} citing sever delinquencies. 

XXXX XXXX XXXX  card number from citi : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report and the inquiries mentioned below are suspicious to me : XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Experian is furnishing and posting unauthorized and incorrect information on my report regardless of how XXXX  times I dispute or request a full report. I have been denied over and over for incorrect information and anytime I attempt to dispute, Experian comes back with its verified with NO additional information. Instead the just " re-age '' the account in order to allow the account to further harm me and my reputation. Also none of the disputed debts have been reported to any other agencies as required by federal law. I have directed for this inaccurate accounts to be proved or removed and yet NO action has been taken on the part of Experian to do their duty in ensuring the information they report is accurate, complete, and up-to-date. Credit reporting agencies must have a fair and timely process for consumers to dispute errors on their reports and investigate disputes, which has not happed. I have been violated over and over and there seems to be not recourse, remedy or accountability. There are mutltple accounts posted with " charge offs '' that ive received no 1099C for that ive let Experian know over and over again Experian has settled with the Federal Trade Commission ( FTC ) several times for alleged violations of the FCRA and GLBA, including a XXXX settlement related to its data security practices. 
Experian has been sued multiple times for allegedly violating the FCRA, including a XXXX lawsuit alleging that the company failed to properly investigate disputes and remove inaccurate information from consumer credit reports.
Product: Mortgage

We have received notice from Nationstar Mortgage ( now Mr Cooper ) over the course of the past two years that my loan was In default Eligible for modification Approved for modification In foreclosure Despite several attempt to have them clarify in writing what the correct status was, we instead have received responses that do not specifically answer but only perpetuate the situation. 

As we actively tried to seek clarity, out loan was transferred to XXXX XXXX XXXX who we appealed to as well. They provided us a response that contained information ( that they received from Nationstar ) that contradicts our records. 

In our correspondence with XXXX they have not mentioned the foreclosure status, so we question if Nationstar had given them accurate information about the status of our account now and also at the time our loan was transferred. 

We have recently sent a notice of error resolution and information request which we sent copies of to Nationstar ( now Mr Cooper ) XXXX XXXX XXXX firm ( representing Nationstar ) Your agency. 

We DID NOT attach documents because they do contain personal information. We can send what ever you need to help review our complaint.
Product: Credit card or prepaid card

I got scammed by a fraudulent car rental company while on vacation in XXXX. They told me they were preauthorizing my credit card for XXXX euros while they took my card to the back room and charged it for XXXX euros and faked my signature. All while the reservation was fully paid on XXXX to begin with. Their excuse was they need a non XXXX card to preauthorize ( XXXX was booked with my XXXX due to complementary rental car coverage ). Chase bank refused to take my case seriously from the start, deciding the case against me without even reaching out for information. After I complained, they told me to put some info together but they still decided the case against me, even though I did exactly what they requested which was get proof from XXXX that they paid the merchant on my behalf. Then they promised a manager will call me back to arbitrate the case, but someone called one time, left a voicemail without any contact info, and never bothered to call back again despite me calling them multiple times to request a callback. Joke company chase needs to be sued for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # 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.
Product: Mortgage

I have four months off missing pay of my loud of XXXX and I missed this month too.