23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, I contacted Edfinancial to request a refund of payments made during the Covid pause under the CARES Act, as I am now eligible for PSLF forgiveness. The payments to be refunded total {$5700.00}. There is also a deadline for the PSLF waiver application of XX/XX/XXXX. 

The representative said that it would take 150 business days (! ) for this to reflect on my account. WHAT?!? So I have to wait until 1 ) After waiver eligibility expires and 2 ) interest to begin accruing again for me to see this refund? This has to be a scam at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several years on my credit report that payments have not been reported by Equifax. they have failed to report several years of my payments on at least 2 of my mortgages with XXXX XXXX. XXXX. I tried disputing on line and it tells me to try back later.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, ZIP Code : XXXX Ga XXXX : XXXX Phone : XXXX Date : XX/XX/XXXX XXXX XXXX Department po box XXXX XXXX, XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Department po box XXXX XXXX, XXXX  XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It XXXX Concern, I am writing to formally dispute an inaccuracy on my credit reports issued by XXXX, XXXX, and XXXX. Upon reviewing my reports, I noticed a significant error related to my XXXX Card account ( Account XXXX ending in XXXX ). 
Specific Inaccuracy : The report states that the account was charged off with a past-due amount of {$8800.00} as of XX/XX/XXXX. However, the balance history section shows a {$0.00} balance as of XX/XX/XXXX and XX/XX/XXXX, which directly contradicts the charge-off and past-due status. This inconsistency suggests an error in the reported status of the account. 
Requested Actions : 1. Reinvestigate this account information with a XXXX Card to verify its accuracy. 
2. Correct the status of the account if the {$0.00} balance is accurate, or provide supporting documentation validating the charge-off and past-due status.

3. Update my credit reports accordingly and send me corrected copies. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the inaccurate information for your reference and request that XXXX and XXXX also verify the accuracy of this account. 
I would appreciate your prompt attention to this matter and a response within 30 days of receiving this letter. Should you need any further information to complete the investigation, please contact me directly at the phone number or email listed above. 
Thank you for addressing this issue promptly. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I applied for a refi with Amerisave in XX/XX/2020. I have had to pay {$500.00} upfront. Service was extremely poor. Almost no communication. I was told by the loan offer I was approved. After several months of calling and providing constant updated information I get a call from a supervisor that I dont qualify. Im shocked at the sheer inept service and the lies. I was told originally that I qualify. I would not have wasted my time and money with Amerisave had I known otherwise. 
Extremely unhappy. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XXXX XXXX we received an email with personal information making us believe it was XXXX XXXX XXXX with wire instructions to complete the closing cost via wire transfer. When calling XXXX XXXX XXXX to verify the amount and confirm wiring information, I was told the amount again with no reason to believe this was not the true wire instructions. At the title company, XXXX confirmed the wire stating they received it. After an email again was sent stating the account was closed, XXXX confirmed it was a scam and couldnt tell me if their systems were involved in a hack. Within the hour, we notified XXXX XXXX to recall the wire and nobody at the local branch was able to do it. Wasting precious time to initiate the kill chain. I contacted the FBI and they froze the money but XXXX XXXX has not been for coming or helpful and states the money has been lost even with multiple red flags on the account the money was wired to.
Product: Credit card or prepaid card

I had been pre approved for credit cards on credit carma and then decided to try and get it so it would help my credit score. It then denied me and went on my score as a hard inquiry.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Personal Information on Credit Report Dear Consumer Assistance, I am writing to dispute inaccurate personal information that appears on my credit report. After reviewing my report, I have identified several errors in my personal information section. The incorrect information is as follows : XXXX. Name Variations : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address Information : 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 can confirm that the information provided above is inaccurate and does not pertain to me. I have never resided at any of the addresses listed, nor are any of the name variations associated with me. This incorrect information could potentially harm my creditworthiness and financial standing. 

As per the Fair Credit Reporting Act, I request that You investigate these discrepancies and promptly remove the inaccurate information from my credit report. I have enclosed copies of documents that verify my correct personal information for your reference. 

Please provide me with written confirmation once the investigation is completed and the erroneous information has been rectified. Additionally, I request a free copy of my updated credit report once the corrections have been made. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and efficiently.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX 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: Debt collection

The account was not on my credit. It states the account was recently open which I did not. 

This is wrong information on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage payment of {$1600.00} on XX/XX/19. I talked to my single point of contact, XXXX XXXX, and told her we were short but could make a partial payment and would make up the rest when we could. We went ahead and made a payment of {$1200.00}. We also later made a payment of {$75.00}. 

Going forward I went ahead and continued making payments for the loan due XX/XX/19, XX/XX/19 etc. It turns out that Shellpoint took the money I paid for XXXX and instead of applying it to the loan they posted it to an unapplied account. As I continued to make payments every month they would apply to the previous month and report it as late. 

They continued to do this until the fall and then initiated foreclosure proceedings, over {$290.00}. When I received the foreclosure notice they said all I had to do was pay the {$290.00} and the account would be current, which I did. But they reported 9 late payments to the Credit Bureaus. Nine. This has destroyed my credit rating. 

I have tried to resolve this with Shellpoint and have this removed from my credit reports. They have refused. I said they should have just told me that all I had to do was pay the {$290.00} and it would be resolved. They said they sent me a letter in XXXX but I received no such letter. They said they called about it. I can tell you this. We have an invalid daughter at home. She did say that Shellpoint would call 8-9 times per day but never leave a nessage. I have confirmed this through phone records, that Shellpoint was calling a land line 8-9 times a day, which by the way is considered harassment in the state of California.
Product: Credit reporting or other personal consumer reports

I didn't give written permission to have those accounts on my consumer report. Pursuant to 16 USC 1681 a 2 Please remove these three items immediately XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. --
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX -- - I was never late on this account because I always pay on time. The payment history of this account is inaccurate! PLEASE INVESTIGATE AND UPDATE THIS ACCOUNT WITH LAWFUL ACCURACY! 

XXXX # XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX  -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I sent a cease & desist letter to Nair & Levin P.C. and want to report it to the CFPB as well so that there is a visible record online. I do owe XXXX XXXX XXXX file # XXXX {$350.00} in which this week I will start making payments toward that amount due. There was a simple mix up in my health insurance coverage and I did not realize that there is in fact the outstanding {$350.00} due. However, Nair & Levin are not the original creditor and I do not wish to work with them in any capacity. I am publicly requesting that they cease & desist from all related matters concerning this debt. This includes any reporting that Nair & Levin may have done to the 3 majors credit bureaus XXXX, XXXX, and XXXX. If they have done any reporting I want it removed by them a/s/a/p. I have every intention of paying XXXX XXXX XXXX {$350.00}
Product: Money transfer, virtual currency, or money service

Respected Sir/Madam, I am writing to file a formal complaint regarding an erroneous wire transfer of the amount of {$6000.00} facilitated by Chase Bank on XXXX XXXX XXXX. I, XXXX XXXX XXXX, a resident of XXXX, initiated a wire transfer from XXXX to my daughter 's XXXX checking account in the US, intending to deposit funds for her education. However, due to a single-digit error in the account number, the transfer was misdirected. 

Specifically, on XXXX XXXX XXXX, I provided all required information accurately, including the legal name and routing number. However, I inadvertently entered the incorrect account number. The correct account number should have ended with " XXXX, '' but I mistakenly entered " XXXX. '' As a result, the funds were deposited into the wrong account. 

Despite numerous attempts to rectify the situation and retrieve the funds, I have encountered significant obstacles in communicating with Chase Bank. The bank has failed to provide adequate assistance in resolving this matter, leaving me no choice but to pursue legal action. 

Furthermore, I have sought advice from the Bank Manager in XXXX, where the transfer originated, who has recommended legal recourse in the United States against both Chase Bank and the individual who received the funds in error. 

Due to the significant time zone difference between XXXX and the United States, it is challenging for me to communicate in US business hours. Therefore, I hereby authorize my son-in-law, XXXX XXXX, whose contact information is provided below, to act on my behalf in all matters related to this dispute. He possesses comprehensive knowledge of the incident and is fully capable of providing any necessary information. 

I urge Chase Bank to promptly address this matter and take appropriate action to recover the misdirected funds. These funds were intended for my daughter 's education, and any assistance in resolving this issue would be greatly appreciated. 

Please acknowledge receipt of this complaint at your earliest convenience. 

Sincerely, XXXX XXXX XXXX XXXX Authorized Representative : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Phone : XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the phone app of XX/XX/XXXX on my phone which give 3 of the creditor businesses appearance.Equifax and Transunion have it down on the app that i am delinquent with XXXX XXXX even though the account has been closed, i have tried to go into those 2 and correct it with the dispute but conveniently they have it where you can not do so. I have never been delinquent with XXXX XXXX and do not even want them on my reports, period! I am fed up with these businesses deliberately posting lies and statements for people XXXXXX/XX/XXXX XXXX like XXXX XXXX who throw a temper tantrum over a customer who has had enough of they're acting out behavior of preschool. Photos attached
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number :XXXX XX/XX/XXXX Experian Customer Relations XXXX XXXX XXXX XXXX, TX XXXX XXXX : Unauthorized Disclosure of Personal Information and Violation of Privacy Rights Dear Experian Customer Relations I am writing to bring to your attention a matter concerning the unauthorized disclosure of my personal information, which I believe constitutes a violation of the Privacy Acts No Disclosure without Consent Rule outlined in 5 U.S.C. 552a ( b ). I have recently obtained a credit report from your agency, and I discovered that certain details related to my child support account with the XXXX XXXX XXXX have been shared without my prior written consent. 

The specific information disclosed without my consent includes : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Child Support Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. {$40000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$40000.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : {$660.00} Original Balance : - Highest Balance : - Terms : 1 Month Source : Experian I would like to emphasize that, according to the Privacy Act, federal agencies are generally prohibited from disclosing personal information without the written consent of the individual. This disclosure, as detailed above, includes information about my child support account and its financial status, and I have not provided any prior written consent for such disclosure. 

I kindly request that Experian thoroughly investigate this matter, correct any inaccuracies resulting from the unauthorized disclosure, and take appropriate measures to remove the child support account from my credit report and prevent such incidents in the future. I am also open to providing any additional information or documentation to support the resolution of this matter promptly. 

I appreciate your prompt attention to this issue and look forward to a timely resolution. Please feel free to contact me at XXXX is my phone number or XXXX is my email address to discuss this matter further. 

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

I have been a victim of identity theft. All of my accounts were compromised and exposed to data breach. I initially requested for the fraud accounts and inquiries on my credit reports to be removed and they were but some of them are still on there. Please delete the late payment record from this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This account was stolen and caused that late payment which I just recently discovered. This account involved must also be changed to XXXXXXXX XXXX  ', which is a revolving account, rather than XXXX XXXX XXXX  XXXX If you can see also, I attached the screenshot of my account and to date and it reports 100 % paid on time. So please, delete the inaccurate information from my credit reports asap. I even already requested for this account to be closed because of identity theft. Please delete and remove it asap. I refuse to accept any inaccuracy on my credit reports. I don't understand why you got to reinsert it on credit report. I also need your help in deleting these fraud inquirieXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached my FTC report and IDs. Thank you for your support.
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 {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.