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

I had a recurring electronic transfer from my XXXX checking account to my Capital One Savings Account. On XX/XX/year>, XXXX sent an electronic transfer to my Capital One Savings account. It is reflected on my XXXX statement, but not my Capital One statement. When I called Capital One, they refused assistance and said I must talk to XXXX. XXXX advised me to file a dispute. Then XXXX denied the dispute because they say they did nothing wrong. Capital One has stolen {$300.00} from me. I have copies of both statements. The {$300.00} does not appear in any of my Capital One accounts. My full legal name is XXXX XXXX XXXX XXXX. I am also called XXXX. Both of these names may appear on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was working as a XXXX XXXX XXXX and desperately trying to figure out how to get my student loans to be in a qualified program for the Public Service Loan Forgiveness Program ( PSLF ). My employer at the time was a XXXX XXXX  which was acceptable under the terms of the PSLF. What I did not know was that my loans needed to be consolidated into a specific type of repayment plan to qualify. So simply working for a qualifying employer was not enough. I also needed to have my loans consolidated into one loan and then put into a particular repayment plan that also had to qualify under the rules of the PSLF.

When I called Fed LoanXXXX to see how to get my loans to qualify, and to let them know that I was having a difficult time making my payments which were over {$700.00} per month I was advised to by Fed LoanXXXX to have my loans put into a repayment plan that was more affordable, however that repayment plan was NOT one of the ones that qualified for the PSLF. So I lost out on many months of payments that were made but don't count towards my PSLF. 

I was also advised to put my loans in deferment during the summer ( as a XXXX  we didn't get paid in the summer so funds are extremely tight ) which I did, also not knowing that this would be problematic in terms of the PSLF I was trying to achieve.

Due to this, I have been paying back my student loans since 2014, but am only half way through qualifying for the PSLF. And my current loan amount is MORE than I originally borrowed even after paying for 8 years.
Product: Debt collection

My doctors office, XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, tried to defraud my insurance carrier and myself by billing XXXX for the same visit with XXXX different billing codes. I tried to resolve the issue with the doctor 's office directly. After being given the run around, I filed a claim with the Texas Department of Insurance and XXXX. The doctors office corrected their bill and resubmitted the claim. The claim was then paid correctly by my insurance company. During all of this, I received a letter from a collection agency, RS Clark and Associates. I contacted them to ask for validation of the debt because I was told by the doctor 's office that they did not turn in my information. I then called them several times and never received a call back. I looked at my credit and I have a derogatory mark for an account in collections. I have asked them to remove it and they say they can not.
Product: Mortgage

I called the lender several times to remove PMI, to no avail. 
I paid for an appraisal and it resulted that my house 73 % LTV. 

Private mortgage insurance ( PMI ) is automatically canceled when a borrower meets certain requirements, including : Loan-to-value ( LTV ) ratio PMI is canceled when the LTV ratio reaches 78 % of the home 's original purchase price.

I formally emailed them, send them registered mail with a copy of the appraisal. But they did not respond through mail. 
I call their XXXX number but they are telling me that they say that it has been rejected. I ask to speak to a supervisor who understands my situation but they do not have a supervisor to talk to. 
Please help. PMI cost contributes to burden in my monthly payment.
Product: Checking or savings account

hi i deposit 2 check to wells forgo account the first one was amount XXXX its should be release by XX/XX/2022 now they holding this check until XX/XX/2022 also 2nd check which is my pay check its should release by XX/XX/2022 also put hold on it until XX/XX/2022 when called the bank they said funds are not available i contact my employer the check cleared from there end called again wells Fargo now its suspicious and I'm with wells Fargo for over 12 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation of t the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

There has not been a response to my disputes on XX/XX/XXXX nor XX/XX/
Product: Debt collection

I have a collection on credit with XXXX XXXX that I have been trying to settle and satisfy. Through my research, XXXX XXXX does do settlements with their customers. In speaking to XXXX XXXX, they have a 3rd party, NAR or North American Recovery handling their collection of this account. When calling NAR, they state that they do not own this debt and are collecting on behalf of XXXX XXXX. I tried to settle this account out with them and they are stating that they do not do settlement agreements. I find this to be against XXXX XXXX 's practices and as a violation of the FCRA collection rules. How can XXXX XXXX allow a company to collect or act on their behalf but have horrible business practices? 
Also, I never signed any disclosures stating that XXXX XXXX  could transfer my personal information to a 3rd party. This company NAR is contacting and attempting to collect a debt from me illegally.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Social Security Number ending in XXXX ), Date of Birth : XX/XX/, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists an auto loan account opened at XXXX XXXXXXXX XXXX XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that accounts, collections, and hard inquiries are the result of identity theft and fraud of the aforementioned consumer credit
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 NUMBER : 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 : Accounts XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX 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 Inquiries 1. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian 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 XXXX, hoping that you make a better decision in my situation, thank you
Product: Student loan

I recently refinanced my student loans with XXXX refinancing company. On XXXX/2017, a check was disbursed to Discover Student Loans in the amount of {$58000.00}. This disbursement brought my balance with Discover to {$0.00}. My online statements with Discover showed that as of X/XX/2017, my account had been paid in full. On X/17/2017 Discover Student Loans withdrew {$680.00} from my personal bank account. ( I had been on automatic payments with Discover for the lowered interest rate incentive ). On WednesdayXX/XX/XXXX17, I checked my discover account to make sure everything was all set. It was then that I discovered that the balance had been paid off in full on XX/XX/XXXX17, and yet Discover still withdrew my full monthly payment from my account. I contacted Discover and spoke to a supervisor XXXX, about the issue. She looked into my account and verified that the payment of {$680.00} from my personal bank account was taken after the loan was paid in full, and that they had also overcharged the refinancing company, with the final balance of overcharged funds being over {$700.00}. I was assured by XXXX that this was an error on the part of Discover and that my personal bank account would be refunded the full {$680.00}, and the remainder would be refunded to the refinancing company. XXXX told me to expect the refund byXX/XX/XXXX/17 and if I did not see it appear by then to call back. As of XXXX/XXXX/17 at XXXX there was no refund posted to my personal bank account so I called Discover. I asked to speak with XXXX but was directed to another supervisor XXXX. After looking at my account " thoroughly '' and checking previous notes about the situation, XXXX informed me that my refund was being looked at by Discover 's finance department because " there seemed to still be charges on my account ''. At this comment I informed XXXX that my balance was and had been {$0.00} since XXXX/XXXX/17, and that XXXX had assured me that Discover would refund me {$680.00}, because of the overcharge. XXXX informed me he would talk to XXXX onXX/XX/XXXX17 to see if they could straighten things out, but he also led me to believe that I would not be refunded {$680.00}. Over the past year I have had multiple issues with Discover with  overcharging my account, and manipulating my account without informing me. I have previously filed a complaint about this company, and I was given explanation and told that I would have no more issues. I am extremely frustrated by this whole situation, especially since my personal bank account is involved. I know this may be subjective but I ca n't be the only customer this is happening to, and it is very discouraging to essentially not be able to do anything about it. Though I know it may not be a lot to some people, but {$680.00} is a lot of money to me, and I would like to fix this issue and make sure the same is n't happening to other customers out there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft and dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove any and all fruad alerts on my credit report, I did not ask/ request one at any time
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX XXXX XXXX Account # XXXX Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX XXXX XXXX account ( # XXXX ) as reflected on my credit reports from XXXX, XXXX, and Equifax. These inaccuracies are unjustified, and I am requesting your assistance to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Information Across All Bureaus Account Number : XXXX High Balance : {$19000.00} Monthly Payment : {$330.00} Account Type : Auto Loan Account Status : Open Payment Status : Current Summary of Discrepancies : Equifax XXXX Late payments reported for XX/XX/XXXX and XXXX XXXX are incorrect. 
XXXX and XXXX : Late payments reported for XXXX, XXXX, and XX/XX/XXXX and XXXX XXXX, as well as XX/XX/XXXX, are incorrect. 
Reason for Dispute : These late payment reports are inaccurate and inconsistent with my actual payment history. To the best of my knowledge, all payments for this account were made on time and according to the agreed-upon terms. 
It is my understanding under 15 USC 1681 ( a ) ( XXXX ) ( A ) ( i ) that consumer reports must not include inaccurate information or information solely reflecting transactions between the consumer and the reporting entity unless verified as accurate. 
Additionally, per the FCRA, credit reporting agencies are obligated to ensure the accuracy and completeness of reported information. I have previously disputed this information with the credit reporting agencies, but the errors persist. 
Request for Resolution : I kindly request that the CFPB intervene and ensure compliance with the following : Conduct a thorough reinvestigation of the reported late payments for the periods in question. 
Update my credit reports to accurately reflect my payment history as " XXXX XXXX XXXX XXXX XXXX. '' Provide me with a written description of the investigation process, as required under 15 USC 1681i ( a ) ( XXXX ), within XXXX  days of completing the investigation. 
If you can not verify the accuracy of the reported information, promptly delete the late payment records as mandated by the FCRA. 
References to Legal Obligations : XXXX XXXX XXXX : Requires consumer reporting agencies to ensure that disputes are handled with due care and that results are promptly communicated to consumers. 
XXXX XXXX XXXX : Prohibits the reporting of inaccurate or incomplete information. 
XXXX XXXX XXXX ( b ) : Establishes that periodic statements must be sent in a timely manner and include all legally required information. 
Conclusion : I expect this matter to be resolved within the timeframe specified by the FCRA. Failure to address these inaccuracies promptly and thoroughly will be considered a violation of my rights under federal law. 
Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and keep me informed throughout the resolution process. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times over the past two to three months advising them that there were multiple requests for my credit file ( inquiries ) that I do not recognize or recall authorizing, from the following companies : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX. 
XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX  XXXX XXXX # XXXX Equifax has refused to remove the information ( inquires ) stating that it is a factual record. I have submitted written documentation requesting for these inquires to be investigated and Equifax again, refused to remove the information. I have notified Equifax that my information was compromised by a security breach from the federal government which was a previous employer and Equifax still refuse to remove the information. I have sent verification of my identity and requested in writing for this information to be removed and Equifax has refused to do so. I would like this information removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

Radius Global Solutions  is reporting a fraudulent account on my credit. I called Radius on XX/XX/XXXX and informed them that this account is not mine. They tried to find the account using my social, and name but were unable to locate the account. They were able to eventually locate the account using my maiden name and an old address. I informed them that this debt is not mine, and they gave me the option to file a fraud claim ( which could take uto 90 days or just to pay the account. They said that once the account is paid it will be removed from the credit. I decided to pay the account instead of going through the fraud steps, as it would take long. Radius MISLED ME AND instead of removing the account from my credit, they marked it as a paid collection. PLEASE REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT!!!
Product: Mortgage

Hello, I had taken out a HELOC with XXXX XXXX XXXX back in XXXX. Having XXXX kids I needed money for schol tuition, cars, clothes, medical and dental costs ( braces ) etc. So I had been making monthly payments every month without issue ( XXXX or so ) until in XXXX my monthly payment skyrocketed to quadruple that amount, XXXX a month. I called XXXX and was informed that the loan amoritized ( sp ) after 10 years unbeknownst to me. Living from paycheck to paycheck this was essentially a second house payment. I informed XXXX that I had no idea that this would happen when I took out the loan, indeed I would have never took out the loan had I known that. They claimed it was in the fine print. i tried to modify the loan two times, sending documentation of expenses, income etc and they claimed I did make enough money to modify. I lost my job with the federal government in XXXX and claimed Chapter XXXX bankruptcy and the XXXX HELOC was discharged as part of the bankruptcy as well but they said they could still take our house if we defaulted on the HELOC. XXXX XXXX XXXX has since sold my loan to Select Portfolio Services. Please advise if we may obtain any relief as we can not sustain this burden. Thanks in advance for your help in this matter, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is yet again totally illegal as of XX/XX/XXXX and is totally illegal by reporting from these credit Bureaus. Please remove these items or legal action will be taken. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX Bank XXXX {$210.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$4900.00} Date Opened XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX {$250.00} XXXX XXXX Bank Date Opened XX/XX/XXXX {$0.00} XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items needed to be removed from my credit report : Collection XXXX OF XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXXXXXX Late Payment XXXX # XXXX XXXX XXXX  # XXXX