23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been trying to contact Edfinancial about my student loans for 2 months now. I applied to the SAVE program through studentaid.gov as soon as it was available in XX/XX/ and currently when I log into Edfinancial all it says is IBR for my loans and the amount is double than what it should be. 

First I've tried to call them, and the wait times have been anywhere from 4-12 hours. I don't have time to wait that long during the day since I have to work. Next I tried to use there automated call back system, but they never called me. Then I tried to send them an email, but never got a response. Then about two weeks ago I submitted a forbearance request because my due date was XX/XX/XXXX and I couldn't afford what the payment showed. 

My forberance request still hasn't been processed and I've never gotten a call/email back to date, and now I've missed my first payment. at this point I don't know what to do.
Product: Debt collection

They call everyday since XXXX/XXXX/17 5 or 6 times a day. I have asked them not to call me or automatically take money from the that i did not set up.
Product: Credit reporting, credit repair services, or other personal consumer reports

My old mortgage with Chase is still showing delinquent as it shouldnt, that account has been closed and dealt with. I would like it removed from my report.
Product: Credit card

My accountant and I just completed an audit of my XXXX Chase XXXX Mileage Plus Visa cards for 2014 and found a duplicate XXXX XXXX ( XXXX ) charge that occurred on XX/XX/XXXX that posted to the account on XX/XX/XXXX. The error cost us {$1900.00}. We were dismayed when we found it and do n't understand why Chase does not pay closer attention to it customer 's statements before billing us with grave mistakes from their vendor branded cards!?
Product: Credit reporting, credit repair services, or other personal consumer reports

A Hard Inquiry appeared on my credit report on XX/XX/2022 from Citizens Bank. I called them the very next day and spoke to someone in the fraud department. They ran my social security number into their system and didn't find any new applications or cards in my name. They said I could write a letter and they will investigate further. I also disputed the inquiry twice with XXXX and both times their report was that it was a truthful inquiry. I called XXXX myself a couple days later and asked them what information they were receiving from Citizens Bank that made them think it was truthful but they only said they would send me a copy of my credit report. So they weren't very helpful.
Product: Mortgage

mortgage company has not paid my county taxes from my escrow account ... .they are 6 months late and today is the last day before my property will be advertised for sale for a tax lein.taxes were due 6 months ago XX/XX/XXXX... XXXX faxed them an extra copy of my tax bill.on XX/XX/XXXX i got a notice from XXXX XXXX XXXX XXXX office that my taxes were not paid and would be advertised for a tax lein sale if not paid by XXXX called my mortgage company ... PHH..on XX/XX/XXXX about the matter and was told they would take care of it.Since XX/XX/XXXX I have called them 26 times about this matter only to be put on hold or " wait 3 more days '', or was transferred to other places ... XXXX, Alaska, and the Phillippines XXXX ..with no resolution ... .i am now within 20 minutes of the deadline at the tax office and no resolution, no answer from PHH ... ... .I am not late on my mortgage payments, how are they allowed to be so late on payment from my escrow account ... ..i am begining to think these people are scammers... they should be barred from doing business in this country ... ... .i am beyond mad!!!!
Product: Student loan

I've been making extra payments every month, intended to be placed against the principle owed.
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 : 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 : 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 Listed below are the Personal Information that are beings 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: Student loan

Based on multiple calculators, including the studentaid.gov website calculator, my payment is higher than expected, possibly up to {$300.00} higher. I first contacted Nelnet in late XXXX after they suddenly switched me out of forbearance that was supposed to last until XX/XX/2024 after migrating from My Great Lakes ( and I waited XXXX hours on hold ). Since I gave consent for the IRS to share tax info they recalculated my payment amount and payment due date and they told me it could not be switched back ( giving me barely 30 days notice that a payment would be due ). Today on XX/XX/XXXX, after thinking the payment amount seemed higher than what I remembered, I plugged in my information into a few calculators and noticed what seems to be the aforementioned payment discrepancy. I contacted Nelnet again and was told payments could be recalculated, but that I still had to pay the higher amount this month until they can figure out what my payment will be ( unless I wanted to use one of my three payment hardship forbearance months ). I dont think I should have to pay extra if the payment is wrong, since it is not my fault that the payment was not calculated correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancelled my  XXXX  account and paid the final monthly bill many years ago. For reasons that still have never been explained, there were additional charges.  XXXX  decided I owed them money while I was living abroad and never once contacted me by mail, phone or email about a debt. I was horrified to see it on my credit report a year later and immediately paid so it would not further harm my ability to get approval for an apartment.  <P/> They agreed that because I had paid quickly and they had no record of phone or email correspondence that they would erase the notation from my credit reports. Instead, it remains on my credit report as a paid collection with all three bureaus -  XXXX , Equifax and  XXXX .  <P/> To add insult to injury,  XXXX  made a hard pull on my Equifax credit report i n 2015.  This was years after I had terminated my relationship.  XXXX  had no credible reason to view my account, and Equifax had no authorization to share it with them.  <P/> In recent months, I have had a credit card number stolen and multiple fraudulent inquiries and mailing addresses added to my credit reports due to the clear attack of identity thieves. For all I know, this inquiry was due to someone stealing my credentials and trying to fraudulently open the account.  <P/>  XXXX  and the  XXXX  credit bureaus continue to report misinformation on the old account and, in Equifax 's case, the fraudulent inquiry.
Product: Credit reporting or other personal consumer reports

Creditor : Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX XXXX To whom it may concern, I recently sent a letter to a furnisher that appears on my credit report. Unfortunately, the letter was returned by the postal service. 

XX/XX/XXXX {$810.00} XX/XX/XXXX {$590.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$320.00} Per the FCRA, it states, The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) A currently unreachable company furnished this account at the address and phone number listed. I have attempted to contact this company but have had no response. Please delete this account from my credit report as soon as possible. 

Thank you for your anticipated cooperation in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Great Lakes student loan company reported my account to the credit bureaus ( XXXX, XXXX, and XXXX  ) as deferred. The account status should have showed on time due to covid-19. No payment no interest for six months. When it was reported wrong it allowed my credit score to drop 53 points.

Right not there are millions of others as well with the same issue with Great Lakes. This is unjustly, and has majorly affected my credit score because of their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$37.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00}
Product: Checking or savings account

I got an email at XXXX in the morning saying my personal checking account with Wells Fargo was activated. At XXXX I get an email stating my personal information was updated. 

I did not create this account nor would I EVER bank with Wella Fargo. The next day I reported it to Wells fargo where the fraud personnel stated we have seen a lot of this fraudulent accounts come through lately. Ok so what are they doing to stop this? Why would they allow someone to use my social security number to set up a checking account just to change my personal information in 2 minutes! Not only that, normal banks make you bring in a form of ID to a branch to verify identity. 

I was in the process of Purchasing a new vehicle when I had to call all three credit bureaus to put a freeze on my credit so that no new accounts could be opened in my name. 

I believe that Wells Fargo is either creating these accounts or not implementing the appropriate security protocols to circumvent these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report from Experian and discovered multiple fraudulent accounts that I did not open or authorize. I am a victim of identity theft, and I am formally disputing the following accounts as fraudulent. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 
1681c-2, I am requesting the immediate block and removal of these accounts from my credit file. 
Fraudulent Accounts Identified Premier XXXX XXXX  Account Number : XXXX Status : Charged off, {$740.00} written off. 
XXXX XXXX XXXX Account XXXX : XXXX Status : Charged off, {$29000.00} written off. 
XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Status : Collection account, {$540.00} past due. 
XXXX XXXX XXXX Account Number : XXXX Status : Collection account, {$630.00} past due. 
XXXX XXXX XXXX Account Number : XXXX Status : Collection account, {$7500.00} past due. 
XXXX XXXX XXXX Account Number : XXXX Status : Collection account, {$8800.00} past due. 
XXXX XXXX XXXX Account Number : XXXX Status : Collection account, {$580.00} past due. 
XXXX XXXX Account XXXX : XXXX XXXX : XXXX account, {$6400.00} past due. 
XXXX XXXX XXXX Account XXXX : XXXX XXXX : XXXX account, {$1100.00} past due. 
Legal Notice & Request for Account Removal As a victim of identity theft, I am asserting my rights under : FCRA 15 U.S.C. 1681c-2, which requires credit bureaus to block and remove FCRA 15 U.S.C. 1681i, which mandates the removal of unverifiable or inaccurate information. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, which prohibits fraudulent debt collection activities. 
I request that Experian immediately take the following actions : XXXX. Remove all fraudulent accounts listed above from my credit file. 
XXXX. Send me an updated copy of my credit report showing these accounts removed. 
XXXX. Provide me with information on the source of these fraudulent accounts, including any applications or documents associated with them. 
Enclosures ( Required Documents for Identity Theft Dispute ) Copy of my government-issued ID ( drivers license or passport ) Proof of address ( utility bill, lease agreement, or bank statement ) Copy of my FTC Identity Theft Report ( filed at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has violated the 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) Statue. Which I did not give them permission to report my bankruptcy. I DID NOT give you neither direct nor indirect permission to furnish my inform

ation. In addition to that violation, Trans Union are also committing fraud since Transuion claim to have verified this bankruptcy, but your sources deny that. Should Transunion need a reminder... please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) Statue. I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day you RECEIVE this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX   XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX  XXXX , XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I opened a line of credit with XXXX to pay off a credit card with higher interest rate. XXXX offered a XXXX interest. The amount on the credit line was XXXX but tally used XXXX to pay XXXX credit cards. In a matter of XXXX  months I paid over XXXX to XXXX and what is now showing as a balance with the company they sold my credit line to ( SST ) is over {$5000.00} with 19.49 % interest. 

I called SST to get the contract XXXX and they signed and to see exactly how much XXXX sold to them because the balance does not seem reasonable. Additionally, how can a company agree to 12.49 % interest and then sell the loan for a higher interest amount with out giving the consumer any other options before choosing to sell it. 

SST said they would email me the contract but that they could not change the interest rate. I did not receive the contract.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX DOB : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : HARD INQUIRIES : 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 Thank you for your assistance Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number-XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom it May Concern, I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Phone Errors : Phone : XXXX XXXX XXXX Phone : XXXX XXXX XXXX Name Errors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct social security number is XXXX. With the amount of identity theft going on, I am very fearful that some could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, XXXX XXXX
Product: Bank account or service

Holding funds without notice or explanation Bank Of America has placed holds on my business checking and savings account with over twenty thousand dollars of my working capital. No notice, explanation or reason has been given to me. No timeframe has been identified as to when the holds will be taken off. In multiple conversations with various departments no details has been provided. All the information I 'm getting is that an internal department that has no name, telephone number or any means of contact has placed the holds and may contact me should they require any information, no specific period of time was ever mentioned to me. No specific reason for holds being placed or any other information has been provided to me by anyone I 've talked to on multiple occasions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, I am writing to formally dispute incorrect personal information on my credit reports with XXXX, Experian, and XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair credit reporting, and the following discrepancies violate these protections : Personal Information on Credit Reports : Name Discrepancies : Reported names : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Correct name : XXXX XXXX XXXX Note : The incorrect names might belong to my father or grandfather, as I am a junior. 
Date of Birth : Reported DOB XXXX XXXX Correct DOB : XX/XX/year> Current Address : Reported addresses : Variations of XXXX XXXX XXXX Correct address : XXXX XXXX XXXX, XXXX, GA XXXX Previous Addresses : ( These addresses do not belong to me and may belong to my father or grandfather ) XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Employers : Reported employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct employer : XXXX XXXX The FCRA mandates credit reporting agencies to ensure maximum possible accuracy of the information contained in consumer reports ( 15 U.S.C. 1681e ( b ) ). Moreover, they are required to investigate and correct any inaccuracies within 30 days of receiving a dispute ( 15 U.S.C. 1681i ).

This is my fifth attempt to resolve these inaccuracies, and I am requesting immediate correction to prevent further impact on my credit score and potential financial harm. I urge the CFPB to assist in ensuring the credit reporting agencies comply with the FCRA and rectify these errors promptly. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX