23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened the free checking acct online on XX/XX/XXXX for the XXXX bonus for a direct deposit and meet all requirements.On XX/XX/XXXX I had a direct deposit of XXXX deposited and it was credited around XX/XX/XXXX. No problem yet. 
I was sick with a case of XXXX and could and would not go to a bank. I had bought 2 money orders for XXXX at an XXXX XXXX  store and another money order for XXXX from the US Postal Service before I was ill. I had paid a fee for these also and have receipts also showing I paid in cash. 
I used the Key Bank mobile deposit system on my phone to deposit these 3 money orders via mobile since I was not going to the bank. I received acknowledgement of the 3 deposits totaling {$1400.00} I checked my account a few days later online and found out it was locked! I called the XXXX # the site said to call. After being bounced around for almost 45 minutes, I was told they are investigating " fraud ''. This is outrageous. I duly and legally purchased these money orders and mobilly deposited these items. I called the local branch in XXXX NY and spoke to the manager XXXX. She was quite professional and told me that they are investigating fraud. She told me it would take at least 10 days!!. I also received a letter from Key on XX/XX/XXXX telling me the deposit of XXXX is on hold till XXXX Today is XXXX.Today I received a mailed statement with my XXXX deposit listed along with my total balance of {$1900.00}. I want access to my funds now. This investigation like I am a criminal is a total sham. I also want my XXXX bonus which is not on todays mailed statement! So far its almost 2 months that I have no access to my acct and they are holding my money!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I received a credit report from Equifax and XXXX stating verified of inaccurate accounts still being reported on my file. I received a summary of credit scores from XXXX. 
They all failed to send me a copy of a signed contract I have requested the have violated my rights as a consumer. 
I am asking it be removed from my credit file
Product: Debt collection

Requested early part of last year for Kohl 's to place me on a DNC list. They did not comply and I continued receiving texts and calls from the. When I tried t communicate this they hung up on me and would not assist. They kept calling during work from several numbers XXXX, XXXX, XXXX, XXXX. Have asked them to call me back but they do not contact you back.
Product: Payday loan, title loan, or personal loan

I attempted to make a purchase from XXXX using Klarna. Klarna initially asked for a {$48.00} down payment but then I was declined from using Klarna Klarna declined me. I then use the same debit card to purchase the item in full. Klarna still has charged me the down payment. I have been charged {$48.00}. The charge was first pending and I contacted Klarna on XX/XX/XXXX and was told the charge was pending it will be released but now on XX/XX/XXXX I have been completely charged {$48.00} by Klarna it is no longer pending the charge has completed XXXX is not assisting me saying that it is showing pending in their system although I have sent them a screenshot of my bank statement. I do not even have any pending purchases in the app for Klarna
Product: Credit reporting or other personal consumer reports

Please be aware that some false information that has been mistakenly validated as accurate appears on my credit record. No changes have been done, even though I've given proof that shows the information is false. 
This is against the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Section 1681i, which requires credit reporting companies to look into and fix mistakes. I want this situation looked into again right away, and I want the false information removed.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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
Product: Student loan

I have been trying to work with my student loan servicer to request a retroactive bill be created for two months that I was placed in forbearance, that was not requested and without my knowledge or permission. One date was in XX/XX/XXXX with a prior loan servicer, and the second for one day in XX/XX/XXXX when my loans were transferred to another loan servicer. Because of this, it caused me to miss two payments that would have otherwise been counted towards my 120 payments under the Public Service Loan Forgiveness program. Additionally, my loans were in automatic payment and significantly lower in XXXX and XXXX than they currently are because of my repayment plan under the Income Based Repayment plan. 

I requested a manual recount to attempt to correct my payments in XXXX, which were updated in XX/XX/XXXX. My payments were significantly off following the recount, and I requested a subsequent manual review through XXXX in XX/XX/XXXX ( XXXX with XXXX XXXX and XXXX XXXX ). After not hearing back for several months, I contacted FedLoans again on XX/XX/XXXX and told that my request had been changed to an Escalated Review Case # XXXX. My counts were reviewed updated on XX/XX/XXXX, however, there was no retroactive bill created for the involuntary forbearance dates. 

I contacted the FedLoans ombudsman on XX/XX/XXXX ( XXXX XXXX ) who reopened my case # XXXX and notated it as a Second Level Review. I was told that my case would be reviewed and that I would get a response in approximately 7-10 days. Additionally, I have uploaded documentation to show the dates placed in forbearance, as well as bank statements from XX/XX/XXXX and XX/XX/XXXX to show that I was making automatic payments deducted monthly at the time. As of today, I have still not received any correspondence about the status of my request. Including the two payments that would have counted in XX/XX/XXXX and XX/XX/XXXX if not for the non-requested forbearance that I was placed on, I would now be at 120 payments for nearly half of my student loans and able to apply for forgiveness under PSLF. In addition, I will be two months away from applying for forgiveness on the rest of my student loans. 

I have been making and tracking my student loan payments for 10 years now, including annual XXXX recertifications and numerous employment certifications, and hoping to correct this to be able to apply for forgiveness as promised. Thank you for any assistance you can offer.
Product: Debt collection

I have received repeated phone calls from a debt collection agency but I do not have any delinquent debt. I generated my credit reports on XX/XX/XXXX from all reporting agencies through XXXX, verifying that I have no delinquent debt and am not the victim of identity theft. 

There have been 20 calls between XX/XX/XXXX and XX/XX/XXXX. I have blocked this phone number so the calls do not ring through, but some of the calls do generate phone messages. I have not returned their calls. From the most recent message on XX/XX/XXXX, I can report the following details : Company : United Collection Bureau Inc. 
Staff member : XXXX ( last name unintelligible ) Originating phone number : XXXX Call back phone number : XXXX Reference # : XXXX Requested action : I am being requested to return their calls at the call back number ( above ). 

Please contact this company and insist that they stop calling me. 
Thank you very much for your service and diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. Inquiry listed should be blocked, removed and suppressed for this are fraudulent and inaccurate. XXXX XXXX XX/XX/2022
Product: Payday loan, title loan, personal loan, or advance loan

Ive been receiving solicitations for loan services for couple years since I closed my loan with XXXX XXXX. Im in the process of getting ready to move and over the last XXXX months. Ive contacted this company about a half dozen times and I have asked for solicitations and preapproval to stop being sent to the address on file as I will no longer be living there in the future every time Ive reached out Im assured the solicitations will stop being sent, but they continue to be sent with personal information in solicitations. I am at a loss of what to do to get these XXXX stop. Ive reached out multiple times every time representatives at the company. Tell me that my account has been marked do not solicit and that I should no longer be receiving letters from them unfortunately, I continue to receive solicitations at this point I dont know what to do. I almost feel as if Im being harassed these letters come sometimes XXXX or XXXX of them at a time and I just want them to stop.
Product: Mortgage

We were under contract for a property in XXXX XXXX XXXX, FL. The process was going smoothly until XXXX days before closing. That is when our movement mortgage representative told us that they may not be able to fund the loan. However, they still made us wait until a week after the set closing date to provide a denial letter citing the type of property we were purchasing ( condo ) did not meet their eligibility criteria. As a result, the seller put the property back on the market and they were entitled to and kept the earnest money deposit. If movement mortgage had done their due diligence in a timely manner and communicated this to us, we wouldnt have had this issue. 

This is a warning to anyone dealing with this company and specifically their XXXX XXXX XXXX branch. XXXX XXXX was the loan officer that we were working with. Although he seemed very nice throughout this process, once this issue occurred he disappearednot answering emails, calls, etc.
Product: Student loan

Months ago, I resubmitted my information for income-based repayment. Months passed and I never received notification. Eventually, my repayment ballooned to an untenable amount. I called MyFedLoan, where I was told to " ignore '' the website and that my loan was in forbearance while the paperwork was processed, which I was told would be in 2-3 business days. I paid the {$5.00} they told me to pay online, and 2-3 business days later, there was no information about my new income-based repayment plan. I asked the representative over the phone if I could have written confirmation of what she said, and I was laughed at like I was crazy. I was re-assured verbally that the situation would be resolved. The next month, I got an email saying my account was past due, again with the inflated amount. Again, I called MyFedLoan, and was told once again to ignore what was there and that my paperwork would be processed in several business days. I told the representative that I was told that the previous month, and the representative simply repeated that it would be done in several business days. I expressed concern that the " past due '' amount would be automatically deducted from my checking account, and was assured explicitly that would not happen. Again, I requested this in writing and was rebuffed. 
Unfortunately, I was misled by MyFedLoan reps multiple times, and it turns out my concerns were well-founded. MyFedLoan automatically deducted {$1000.00} from my account on XXXX XXXX, despite being reassured explicitly on the phone multiple times by multiple representatives that such a thing would not occur. 
I called this morning, XXXX XXXX, to resolve the situation. I was told the transaction should not have occurred, and they processed a refund request. I was told that the refund would likely take 60-90 days. This is completely unacceptable. Not only was I lied to ( whether intentional or not ) at multiple points by MyFedLoan staff, the deduction caused an overdraft of my account. $ XXXX may not be a lot for many people, but for me, it is. I have bills to pay and I live in a high cost of living area. Not having access to my money for over two months puts me in a situation where it will be very difficult for me to put a roof over my head or food on the table. 

I want to know why this occurred, and what sort of recompense I am entitled to. I find the whole situation completely unacceptable, and for many people, a transaction like this could send them into a tailspin of financial destitution - overdraft fees, late penalties, late rent, unpaid bills, etc.
Product: Student loan

On XX/XX/year>, I made a large payment toward my student loans ( over {$7000.00} ) to my services, MOHELA. This payment has still not been posted to my account over a month and a half later. I called a few weeks ago and a representative said that it would take 30 business days for the payment to post to my account. The money was taken from my bank account the day that I put the payment into the portal and it still hasnt posted to my loan portal. My loan balance has not decreased at all on the portal either.
Product: Debt collection

On XX/XX/2020, I mailed out dispute letters to XXXX, XXXX, & Equifax concerning inaccurate information on my credit report and I have not received a response at all.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Complaint Regarding Verification of Fraudulent Account AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of [ Credit Bureau Name ] to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), [ Credit Bureau TRANSUNION ] has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX account ( XXXX ) Date Opened/ Reported XX/XX/XXXX XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed. 
Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of [ Credit Bureau TRANSUNION ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. 

I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing issue. 

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

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.
Product: Mortgage

I have an application for mortgage assistance sent to my loan servicer, Wells Fargo. Wells Fargo has not indicated that there are missing documents. Wells Fargo has been reviewing my application for several weeks. Today a representative from my servicer indicated that there will be no written decision and that Wells Fargo will conduct a foreclosure sale on XXXX XXXX, 2015. Wells Fargo knows that I am entitled to a written decision. Furthermore, Wells Fargo knows that if the decision is a decline I am entitled to a XXXX day appeal period. Wells Fargo is simply attempting to see what they can get away with.
Product: Credit reporting or other personal consumer reports

I have had constant correspondence with Equifax in regard to the use of my information and how it has been impacting my personal life. The company has been using my information incorrectly and has constantly refused to disclose the straps of my credit standing. My employer information has been incorrect, my credit history has been incorrect, my financial standing is incorrect, and Equifax is refusing to allow me to access my information. I have had to do an authentication process online that has access to my credit history but anything incorrect that I try to correct has been inaccessible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refused to remove an item from my credit report that isnt mine they claim it is and they will not remove it I have have a credit agency contact them on 5 different occasions please help with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : My mortgage with TD Bank was under COVID forbearance from XX/XX/XXXX, to XX/XX/XXXX, but charged late fees and reported to credit bureaus as late payments during the forbearance months. 

Facts : -Approved on XX/XX/XXXX to enter Forbearance for 3 months ( XX/XX/XXXX to XX/XX/XXXX ) -Called XX/XX/XXXX to get taken off forbearance as I was setting up a payment to settle deferred amounts from XXXX - XXXX -Made payment for the deferred amounts under forbearance on XX/XX/XXXX -Late fees charged for the 3 months in forbearance in early XX/XX/XXXX and reported to credit agencies as late even though under the CARES ACT, deferred payments made under the forbearance agreement can not be reported as late and affect credit Remediation taken with TD Bank : -Called Loss Mitigation Department ( XXXX XXXX ) on XXXXand spoke to XXXX and requested her to remove late fees and update credit information that the mortgage was not late -On XX/XX/XXXX received notice that credit score was impacted - TD bank reported to credit bureaus XXXX was late -On XX/XX/XXXX : 1 )  Called Loss Mitigation Department again ( XXXX ) to request removal of late payment remarks and removal of fees, but directed to the loan servicing department ( XXXX ) to remove fees and to submit this form to address credit report mistakes. 
2 ) Sent by USPS certified mail to TD Bank to address late fees and remove late payment remarks to credit agencies. 
3 ) Called loan servicing department ( XXXX ) and she submitted to payment research team to remove late fees and rescind negative late payment marks on credit bureaus -As of XX/XX/XXXX, TD bank removed late fees, but credit agencies have not been updated to remove late payment remarks on the account.
Product: Money transfer, virtual currency, or money service

My friend transferred the money ( XXXX XXXX ) to my Bank of America Account in 3 transactions XXXX each totalling of XXXX. It is a month already, money not received yet although XXXX deducted from his account. I talked to both banks representatives but they both are saying that kindly chek the other bank, their side is clear. 

The XXXX XXXX provided the tracking numbers as per below. 

Trace # 1 ) XXXX, ( XXXX at XXXX XXXX  ) Trace # 2 ) XXXX, ( XXXX at XXXX XXXX ) Trace # 3 ) XXXX, ( XXXX at XXXX XXXX  ) Thank you,
Product: Mortgage

I am not getting anywhere with the bank need to have the president of the bank try to figure this out the bank told me the payment would come down after one year but the payment stays the same it needs to come down the payment is way to high if this was you would you stand for this the banks customer service is not good as far as this also need the president of the bank personal office number so the bank lied to me saying the payment would come down which it did't please get in touch also i do n't want a relationship manager call me do n't get any ware with them need someone higher up like president thanks XXXX XXXX