23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My husband and I applied for the expanded REPAYE student loan repayment program in XX/XX/XXXX in hopes of reducing our payment to 10 % of our discretionary income. In XX/XX/XXXX, after hearing nothing on the plan change, I contacted the servicer and was told they had n't even processed the request. I was told it would be expedited and processed in 30 business days. In the meantime, we would owe a one-time forbearance fee of {$5.00}. 

After receiving bills for XX/XX/XXXX and XX/XX/XXXX in amounts of {$0.00}, {$10.00} and $ XXXX+ ( all for the exact same account ), I called in and was told that those were sent merely as part of the plan changing process and that we owed nothing. Two weeks later, I received both a " delinquent account '' email and a paper letter ; however, I had been told I owed nothing when I called in. 

In XX/XX/XXXX, I finally received documentation that my REPAYE request had been processed and received my first bill. I called my servicer because the amount was HIGHER than it had been on my old IBR ( XXXX % ) plan, with no large change income. They confirmed that the amount they 'd calculated was incorrect ; my husband also has federal student loans, is also on PSLF and we file jointly. They had not considered both our debts when determining our payment amount, even though we had properly submitted all the necessary papwrowrk. 

After being told we owed no money when I called my servicer XX/XX/XXXX, today my servicer also required that I go on a forbearance plan for XX/XX/XXXX $ XXXX+ payment or make the payment to keep my loan in good standing. I was also told that changing from IBR to REPAYE plans was a 4-month process, despite being previously told on several occasions that it took 30 business day at most. 

We have been in the income-based repayment programs since they debuted in 2007. My loans have been moved from servicer to servicer and annual updating has been a hassle nearly every year. I waited on the IBR/PAYE expansion to pass and become available and have now waited 7 months to take advantage of the program. It was intended to help people, but the servicer seems to have no interest in actually putting people in the program. When we call in, we can never get consistent answers ; we are n't even able to speak with the same person again deposits having employee names and servicer numbers for each calls. 

My loans have been kept current ; we have been forced to take short forbearances several times since 2007 due to delays by my servicer and miscalculations in payment amounts on the part of our servicer. Our PSLF date just keeps getting jumped further and further away while I continue to try my best to jump through the numerous hoops being sprung on us by the servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent intoXX/XX/XXXX do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XX/XX/XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XX/XX/XXXX is the reason why this has happened!
Product: Debt collection

Received a letter in the mail XX/XX/2024. Referred me to a website that was not secured XXXX 
I went to the website and turned out to be a scam website.
Product: Mortgage

In XXXX we got a second mortgage with XXXX  XXXX XXXX. We got behind in XXXX and it was sold to XXXX they applied interest to the loan and it became XXXX. In all it was put into Veripro Solutions they now say that we owe XXXX. At this time we have offered to pay XXXX to settle and also XXXX they wont agree. I received a letter stating that if we don't pay in 60 days they will place interest on this loan and we will owe XXXX on the loan .. We just want to settle with them but they keep putting more interest and wanting us to pay more to settle .. I have all documentations of the events.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment on XX/XX/XXXX that would equal two months of payment. But on XX/XX/XXXX I decided to go ahead and simply pay the balance so I had no more additional monthly payments to make. That information was not updated on my credit report and so I filed a dispute to have it corrected. The information was corrected on my report and it remained corrected for only 3  days. It automatically, for some reason, reverted back to the balance owed before I made the two payments. I contacted both the company and Transunion about the dispute not correcting the error and follow that up with another dispute. TransUnion close that dispute within a couple of days and said that it was investigated and the information was correct. I have XXXX  XXXX  statement showing the payments I also have a statement from the company showing the balance of XXXX and Transunion refuses to fix it it is affecting my credit score to the point that I was denied a new card.
Product: Credit card or prepaid card

On XXXX XX/XX/XXXX I have purchased a XXXX  XXXX banknote which was sold on XXXX by overseas located seller. 
In XX/XX/XXXX I have called Capital One and inquired about it guarantee policy and I was told that the all products are guaranteed for a period of 2 years. 
In XX/XX/XXXX I have the banknote graded and found out that the note although sold as original is counterfeit. I have communicated with the seller who admitted buying the fake banknote on auction in the XXXX with intention of selling it on as original. The documentation along with the communication with the seller was presented to Capital One as dispute which I opened in XX/XX/XXXX. Subsequently the Capital One assured me that they take consumer protection seriously and opened the dispute with the seller while granting the temporary {$80.00} credit. I was told that the bank will reach out to the seller to present their own version of events and confronted with the evidence provided to Capital One. However and without warning the bank after opening up the dispute in what appears to be a bad faith so it can analyze the legal liability for assisting sellers selling fake currency, closed the dispute without warning and took the credit back. When I inquired about this I was transferred to XXXX different people on XXXX call with the last person stating that the dispute was " out of the statue of limitations. '' 3 Questions : 1 ) why is the bank aiding and abetting illegal sales of counterfeit currencies which break US and international laws?

2 ) why is the bank opened the dispute in bad faith so it can gather info about its own liability instead of taking care of the customer?

3 ) why is the CFPB and other GOVT organizations allowing banks to break US legal statutes ( including provisions of the Patriot II Act ) that fight illegal transfers of money and counterfeit currency sales?
Product: Mortgage

XXXX owns loan. Select Portfolio Servicing services this loan. Debt & loan in Ex husbands name. I paid cash & owned the house. Due to me cosigning the loan. He lost his job and is in the arrears ( court ordered ) to me. SPS has a sale date on the house set for XX/XX/2017. 
I called a lady at XXXX today-XXXX @ XXXX ext XXXX. 
She said she ca n't help but told me to file this complaint with you as I have ask & begging SPS to open an Assumption Loan/ Simultaneous Loan Modification Review with reduced payments based on my XXXX income. PLEASE HELP!!!!!!!!!!!! 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been disputing a hard inquiry on my credit report from XXXX XXXX. As of a few days ago a collection account was opened from XXXX. Again, I have never done business with XXXX and if the the dispute for the inquiry had been taken seriously I would not have a collection from them on my credit report. I have reported with Equifax, XXXX and have filed a police report. I want any information regarding XXXX and the fraudulent activity removed from my credit report. In addition an address of XXXX XXXX XXXX, XXXX, FL XXXX has appeared on my credit report which I can only guess is related to the other fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped from XXXX to XXXX onXX/XX/XXXX for no apparent reason. I found out onXX/XX/XXXX that there was an old debt with XXXX card that was ressurected from the dead on my 3 reporting agencies. On XX/XX/XXXX I settled the debt with XXXX card for {$2000.00} but my credit score has dropped to XXXX.My credit scores with XXXX and XXXX have been restored but not with transunion. The information I have just stated can be proved with XXXX card at XXXX XXXX XXXX. I appreciate your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

6. Identity Theft COMENITYBANK/XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit score report 3 bureau and on XX/XX/2022 XXXX XXXX, XXXX XXXX BUT EXPERIAN only XXXX!!!!!!!!! This corrupt company constantly sends advertisements for monthly subscriptions to increase your credit score, but if you don't subscribe they keep your score low by means of pressure and blackmail!

Please Help me recovery my normal credit score without any payments that company!!!!!!
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and removed. My request to block is not being made in error, nor is my request to block the identified transactions.
Product: Debt collection

I have disputed this account myself after seeing it on my credit file with nothing received nor a single response back. I was never informed or given the opportunity to dispute this before it appeared on my credit file which is wrong. I DO NOT OWE this company anything nor do I have an outstanding debt. Please help Account info Account name CREDIT SYSTEMS INTL IN Account number XXXX Date opened XX/XX/2016 Account status - Status updated XX/XX/2016 2016
Product: Checking or savings account

I had a commercial account with TD Bank under the name of XXXX XXXX  XXXX in XXXX, VA. About one year ago I tried to use my debit card to make a deposit and I found out I was locked out of my account. 
When I went in to complain I was informed that I would be hearing from the fraud department. After many visits to the bank and sending emails to them through their online system I have never received a response. 
In the mean time I was unable to use my account and they continued to drain it for monthly service charges. Finally i received a letter from the bank telling me they were going to turn my account over to a collection agency for being overdrawn. When I call ed the number on the letter they informed me that they could not do anything because I did not have my debit card any longer. When I asked to speak to a supervisor they informed me that they would see if he would talk to me. After 5 minutes they hung up. 
I went to my branch to get the number of my account only to find out that the branch is closed because of the virus. 
I found a number for the branch and called it and they told me that they would look into it. The called me back and told me that they dropped asking the debt collection to not bother me and said they were going to close my account. I asked why and they could not give me any answer. Can you please look into this and tell me what happen and why their fraud department never got back to me.
Product: Credit card or prepaid card

After the XXXX XXXX XXXX XXXX  on XX/XX/22, I found multiple credit cards that he opened in my name. 
Capital One {$3200.00} : and a second Capital One account with a balance of {$4000.00}. I wrote this company to dispute theses charges and completed the Idenity Fraud Information Forms for both accounts on XX/XX/22. A police report was made on XX/XX/22 and was submitted with a written dispute on XX/XX/22. Letter received XX/XX/22 for both Capital One accounts that they found no fraud. 

XXXX XXXX XXXX XXXX XX/XX/22 letter from company received by me after my fraud claim. Police report sent to them with dispute letter mailed to them XX/XX/22. 

XXXX XXXX  XXXX Reported via phone call as fraud account on XX/XX/22, called them again on XX/XX/22. Never received correspondence on fraud case, continue to receive paper statements with the amount due.
Product: Debt collection

on XX/XX/XXXX I received a debt collection letter from a XXXX XXXX a attorney at LINEBARGER GOGGAN BLAIR & SAMPSON, LLP stating that they are " attorneys at law '' and that " at the time no attorney with that firm has personally reviewed the particular circumstances of my account '' I find this false and misleading pursuant to ( 15 USC 1692e ( 2 ) ( a ) - ( 2 ) The false representation of ( A ) legal status of any debt ) they have also failed to comply with my previous request for documentary evidence sent XX/XX/XXXX tracking # XXXX delivered XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These late payments : XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) states I have the right to privacy I consider a late payment to be private information this must be removed immediately thank you
Product: Checking or savings account

My rhetorical question to XXXX XXXX This is XXXX XXXX ' XXXX Executive Office Case Specialist XXXX XXXX XXXX XXXX ) reply to me on XX/XX/XXXX : " We also found the check deposit on XX/XX/XXXX, to the account at another financial institution was returned as unpaid on XX/XX/XXXX. Our records show that we sent the funds again for the check in the amount of {$25.00} as a credit to the other financial institution on XX/XX/XXXX, to be credited to the account the check was deposited to on XX/XX/XXXX. '' I have three points for you to clarify : 1. Which financial institution is " as a credit to the other financial institution ''.

2Our records show that we sent the funds again for the check in the amount of {$25.00} as a credit to the other financial institution on XX/XX/XXXX, to be credited to the account the check was deposited to on XX/XX/XXXX. '' Please show proof of another financial institution you deposited on XX/XX/XXXX? Whose account is it? What is the account number? 
I have XXXX XXXX 's statement for XXXX and XXXX, but there is no deposit of {$25.00}. 
3I spoke with XXXX XXXX on the phone and she admitted to have XXXX XXXX XXXX bank statement ( XXXX ). She said today that it is a another financial institution, how can she change it back and forth? 
I am very dissatisfied with the service from Wells Fargo. They shirk their responsibilities, and half a year has passed, and no one has answered me seriously. 
Your irresponsible attitude is a waste of resources. 
If you don't solve this matter for me, I will never give up! 
I once again reminded the relevant customer service staff of Wells Fargo : You and I, take out XXXXXXXX XXXXXXXX XXXX XXXXXXXX statement for verification, and everything will become clear. 
Why are you dodging? Avoid the facts? 
Why don't you dare to face XXXX XXXX XXXX XXXX bank statement for XXXX?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Fraudulent Accounts and Inquiries FTC Complaint # : XXXX CFPB File Number : Date Created : XX/XX/XXXX Dear Supervisor, I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit profile. These entries were made without my consent or knowledge. I recently spoke with a representative, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts and inquiries are fraudulent, inaccurate, and should be removed from my credit profile immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please notify me in writing of the results of your investigation within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I experienced property damage to my barn on XX/XX/XXXX and received my insurance checks from my insurance company, XXXX XXXX. The checks were made out to myself and Wells Fargo, my Mortgage company. 
Wells Fargo mandated that I submit all my checks to their " property loss '' division in XXXX, OH, which I did on XX/XX/XXXX. 
Wells Fargo sent me an initial payment of {$40000.00} on XX/XX/XXXX, which I gave to my contractor to begin the necessary repairs.

In order to receive additional funds, I have to request an inspection through the Wells Fargo property loss website, which they outsource to XXXX XXXX, who hires a 3rd party to do the inspections. 
Wednesday, XX/XX/XXXX my first inspection was completed and submitted by the 3rd party to XXXX XXXX that evening showing pictures of the progress and stating the project was around 40 % completed. 
Wells Fargo 's property loss website shows an incorrect date of the inspection being done on XX/XX/XXXX, and states the " inspection failed '' with no details on why. 
The owner of the 3rd party company who completed the inspection and myself called XXXXXXXX XXXX on XX/XX/XXXX and spoke with XXXX who stated that XXXX at XXXX had changed the completion of the project to 0 % and would not be able to release more funds to me until the project was 100 % complete, which is impossible to do without more of my insurance money being released to me. 
My barn is an {$86000.00} project and my contractor needs money from me to finish buying materials and to finish the project. The project was started in XXXX with demolition and the rebuilt started on XX/XX/XXXX once I was able to give my contractor the {$40000.00} down payment. The project was supposed to take 3 weeks and my contractor has projects scheduled right after me. We are now at a standstill on the project as my contractor has XXXX funds from me to buy the rest of the materials to complete the project and pay his employees. Wells Fargo is holding my insurance money hostage and preventing the project from being completed, and messing up my contractor 's schedule.

I called Wells Fargo Executive complaints on XX/XX/XXXX and spoke to XXXX who opened a case # XXXX which was assigned to XXXX XXXX. 
I called XXXX again on XX/XX/XXXX and he had made XXXX progress on any resolution. I called again on XX/XX/XXXX and asked to speak to a supervisor and was told one would call me back that day. As of XX/XX/XXXX no one has called me and Wells Fargo has not resolved my issue or released any additional of my insurance money to me. 
This is a huge issue and I need Wells Fargo to immediately wire funds to my account so that I may pay my contractor so he can buy the rest of the materials needed and complete the project. This is an urgent situation due to my contractor being forced to abandon my project for another that has money to pay him unless I get my money immediately.
Product: Checking or savings account

I opened 2 NEW CITIBANK accounts checking and saving last fall- for a {$700.00} bonus offer - XXXX & XXXX. Balances now {$19000.00} @ XXXX - bonus not paid! 
Have been trying to close for months and get my money back. Have written their New York HQ and XXXX XXXX - no response. Their phone systems just plain nuts - can't get anywhere because I don't have a debit card or cell phone. They never sent me ANYTHING but occasional statements. 

I want to close accounts and get my money back and the bonuses and bonus interest I was offered. 

This bank is nuts.