23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received a notice from XXXX that a request to change my address was initiated and I needed to verify that this was accurate. I contacted XXXX and indicated I didn't apply for a change of addressed and filed a report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX I XXXX a notice from XXXX XXXX XXXX  that my account was being closed due to delinquent payments. I contacted XXXX XXXX and notified them that I never had a XXXX XXXX account and filed a fraud claim. This situation is currently being investigated by XXXX XXXX. On XX/XX/XXXX I received a notice from Citi bank that they were closing my account due to non payment. I contacted their fraud department and indicated that I never opened an account and this is currently being investigated by Citi bank. 
As a result of these fraudulent activities I opened an account with XXXX to check my credit history and current status and found that both the XXXX XXXX account and the Citi Bank were listed on my credit report as being closed and delinquent with sums totaling over {$32000.00}. and my XXXX XXXX dropped to XXXX from XXXX. XXXX is currently investigating the fraud claims with XXXX XXXX and Citi bank.
Product: Debt collection

I was contacted by the debt collectorin regards to an account that i missed making a regular monthly payment on due to multiple personal issues at that time. I entered into an agreement of XXXX monthly and set the payments up on recurring monthly payments. I have received a letter today, informing me of the Account Balance at {$0.00}. I called the toll free number so that they could stop taking out my recurring payments as the balance is XXXX. I was informed that is not true and the balance is 33 payments totalling XXXX left on the account. Their representative then wanted to renew the agreement. I told him no, if there are still payments in the system then what is the error and why is he saying I dont have a valid agreement on file. This is wrong. Their representative today wanted to redo the original agreement and I refused and told him not to touch the account until this is resolved. I have uphelp my part and have not missed a payment with the recurring payments and they want to punish me by sending me a letter stating agreement balance {$0.00} and still want to take out the 25 monthly I originally agreed to.
Product: Checking or savings account

Citibank closed my account which I used to pay my bills. They cant give me a reason. Its under investigation and I cant with draw my money or anything! Im stuck and waiting 30 to 60 days I also have a saving also!
Product: Checking or savings account

Opened a checking account from the bank with a promotion. Also confirmed the promotion/offer details with the phone representative when verifying application details. Met all the requirements for the promotion but did not get the promotion bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, I applied for a small credit union loan at my personal credit union and was told that the amount of approximately {$40000.00} of another unknown persons STUDENT LOAN was showing up on the TRANS UNION report. I am a XXXX XXXX  age XXXX and have only had one student loan for {$1500.00} PAID OFF IN FULL over 40 years ago. I was denied the loan based on the debt to income ratio. This fraud was disputed previously and removed and was placed back ion in XXXX of 2022. Additionally, I have discovered that 15USC 1861b it is a violation to report anything on the credit report without written consent this is identity theft. furthermore there was no consent. I want this code to be applied immediately to this dispute. Thank you for your prompt attention.
Product: Student loan

EdFinancial still has not updated my account to the standard plan ( $ XXXX for 10 years so I can start making payments ). The current balance/monthly payment has been based on a plan I never agreed upon, and will in fact cost more that $ XXXX than the standard plan. This servicer has lied and continuously provided inaccurate misleading ( purposefully ) information to keep me on a more expensive plan! Their delays to respond and address my concerns have been egregiously long only to come up with misinformation and failure to update my account! Such unethical behavior is well documented in XXXX threads where CFPB complaints have been raised.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate to customer service and unfair practices, which violate the consumer financial protection act ( cfpa ) Specifically, cash app failed to take timely and effictive measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the act Electronic fund transfer act ( efta ) and regulation E. These actions have caused significant inconveniences and finical loss, and I seek Appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX, XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$34000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I continuously receive calls at home, work, and on my cell from Midland Credit Management ( MCM ) for a debt that they can not verify is mine. They call from XXXX at least XXXX10 times a day including Sundays. I have told them that the debt they have listed is not mine or was paid a long time ago. It 's from 2007 on my credit report. They can not provide me proper proof that this is a valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

THE COMPANY, XXXX XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The phrase Bureau refers to the Consumer Financial Protection Bureau. Credit bureaus are considered to be XXXX, transunion, and XXXX. there is only XXXX bureau, the bureau of Consumer Protection. Congress passed HJR-192 on XXXX XXXX, 1933, to suspend the gold standard and to repeal the gold clause. " Because the holding or trading in gold fixed the public interest in the subject to adequate laws and prohibitions, '' the resolution stated. Where's existing emergency have disclosed that provisions of applications with the purpose purpose of giving obligee a right to demand payment in gold or a particular kind of coin or currency, or in an amount money policy ; and ... .every obligation herefore and hereafter incurred, shall be discharged support payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( 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 way of life is obtained through personal interviews with neighbors, friends, or associates of the consumer report in on or who may have knowledge of any knowledge of any such items of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting unauthorized, fraudulent inquiries on my credit reportI did not apply nor benefit from the unauthorized use of my social security numberI have filed a police report about the fraudThese illegitimate inquiries do not belong to me and must be removed
Product: Checking or savings account

Ref : savings account ending in XXXX XX/XX/year> : I opened a savings account with XXXX ( XXXX XXXX ) via a mobile device. I transferred {$100000.00} from XXXX XXXX to initiate the account. 
After completing the transfer I attempted to log into the account via the mobile app only to receive an error stating the password was incorrect. I used the copy-and-paste method. This failed repeatedly. 

XX/XX/year> : I called the customer service line to seek assistance with access to my savings account, I have not been able to see or make any confirmation that my money is safe at this point. I was told that I would need to open a technical ticket to have someone internally assist with the issue. A representative is to call me back with a resolution. 

XX/XX/year> : I have not heard from the bank and am still unable to gain access to my funds. The account is locked. I called customer service and was told that my ticket was still being worked on. I asked for a timeline for a resolution and was told that they can not provide that. Once this is resolved, I will get a call. I asked for a supervisor and denied it. I asked for an escalation path and was denied. I was told that there is nothing they can do. I asked to speak with a technical person and was told that this is not possible as they are internal. 

In summary, I have no access to my funds and no other recourse. Please help XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit card or prepaid card

Three accounts of mine were closed without warning. My Citi Forward, Dividend, and AAdvantage cards. I suddenly lost my ability to make purchases, and wasn't even given a chance to use these cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 - 60 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) Also, Equifax is reporting this account in duplicate. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates, as well as a duplicate account, is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX  - Account # XXXX to Experian/TransUnion and XXXX XXXX and I believe that this entry is inaccurate. The payment in question is identified as " late '', but i do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Repoting Act ( FCRA ) and related laws.

Legal Basis for Dispute : Under 15 U.S Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX XXXX  regarding this account should not be included in my consumer credit.

15 U.S. Codes 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report.

Request for Action : If XXXX XXXX XXXX can not provide the necessary proof of mailing or deliverry of the required information. I request that this late payments be deleted from my credit report. Faliure to do so will be considered a violation of 15 U.S Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information.

I respectfully request that you take appropriate action to remove this inaccurate late payment entry from my credit report within 10 calendar days of recieving this notice. 
Late Payments in Question Charge Off as of XX/XX/XXXX, XXXX XXXX  150 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXXXXXX XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Thank you for your promptattention to this matter. I look forward to your response and information that they disputed late payment entry has been removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Acct : XXXX This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

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

This account does not belong to me. This is a fraudulent account. As you can see, on the credit reports my name is incorrect and addresses shows in other states, Alabama and Utah. No product was given. No signature was given. I XXXX reported the account 5 years later. No contact was made. I recently wrote a letter directly to XXXX with no response and they added a balance update as of XX/XX/2023 and still no documentation was proven. The account must be deleted from all ( 3 ) credit reports
Product: Mortgage

Trouble with escrow and getting accurate payments since XX/XX/XXXX. On that day, spoke with XXXX over a {$120.00} escrow shortage. Put check # XXXX in mail same day for {$150.00} to cover shortage plus! Instructed to pay {$890.00} as new payment confirmed by XXXX on XX/XX/XXXX. Mr. Cooper kept sending statements wanting {$900.00}.????? 
In the bottom of XXXX statement see where they were late and MISAPPLIED the {$150.00} on XXXX WHY? Had to call again on XX/XX/XXXX spoke with XXXX who also elevated this call to XXXX They confirmed my payment to be {$890.00} as XXXX stated on XX/XX/XXXX. 
BUT my statements from Mr. Cooper in the upper right corner wanted {$890.00} but in a pie diagram on the left stated $ XXXX made no sense. This is when Mr. Cooper started tacking on {$2.00} overpayment fee. ABSOLUTE XXXX!!! I can only pay what is clear and confirmed to me NEEDS to be paid!!! Talked to XXXX on XX/XX/XXXX he stated again to pay {$890.00} because again this statement has XXXX different amounts on it plus these {$2.00} fees again but emphasized now I had another escrow shortage of {$30.00}. So I sent check # XXXX for {$950.00} for mortgage payment plus escrow. These fees were supposed to be cleared out! Then my XX/XX/XXXX statement shows up I immediately asked to elevate the issue- same XXXX  with XXXX different amounts and another {$2.00} overdue payment fee. 
Talked to XXXX now on XX/XX/XXXX she wanted another {$140.00} in escrow money and she would also correct ALL these {$2.00} fees collected for their errors. Did an e-check with her only to get another XXXX statement on XX/XX/XXXX. Called XXXX XXXX twice on XX/XX/XXXX, once on XX/XX/XXXX and again on XXXX XXXX NOTHING!!! 
I e-mailed XXXX XXXX, XXXX & XXXX of Nationstar on XX/XX/XXXX at XXXX. 
Then XXXX wants to call me, I told her I sent the e-mail and didn't want to talk to her. So she has another lady called me and my response was the same to her. 
XXXX XXXX HAS NOT responded or even acknowledged my e-mail. How am I expected to maintain a mortgage with service like this? I pay what they tell me and they tack on fees. I am ready to move my mortgage if XXXX XXXX can't/wo n't take responsibility for this mess and file suit against Nationstar/Mr. Cooper if I end up with a higher mortgage than I had. This needs to get fixed and credit for all the fees and just STOP!
Product: Student loan

I am reaching out to reopen complaint number XXXX. You did not resolve my complaint and therefore I would like it re-opened and resolved. 

MOHELA lost 8 years of my student loan payment history. The CFPB reached out to them to get information and they told you that they have no payment history before XXXX. That is not the end of the story and the case is NOT closed. The problem is they lost 8 years of my student loan payment history and no one I have reached out to - not MOHELA, or you, or Federal Student Aid are able to provide me any information on where 8 years of my payment history went. 

I am on an income based payment program with a cap on the number of years I have to pay. It is urgent I get this matter cleared up so I am not overpaying. 

I am asking you to please reopen this case, find out WHY MOHELA doesn't have a record of my payment history between XXXX and XXXX and order them to procure it or find me someone who can. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying go contact someone from JTM CAPITAL MANAGEMENT , LLC multiple times but have gotten no clear answer. I called back in XXXX to settle the account and get it off my credit report and the representative said that there is no record of the account or where they may have sold the debit to. I advised that the debt and the company is still showing in negatively on my report and that I would like it removed or paid and removed. 

I called again today, XX/XX/ and left a voicemail to speak with somebody. I still have not heard back today. I just wan na get this Collections account settled and off my report please. Again it still showing a balanced due of : {$460.00} and JTM has the collection agency. 
My previous address is:XXXX XXXX XXXX XXXX, XXXX, IL XXXX. May that information will also help. Thank you
Product: Checking or savings account

There is {$9600.00} missing from CHIME account I have tried to inform the company on multiple occasions about this incident but the company refused to assist. In fact it is extremely difficult to react without your mobile device. They even revoked my access to my own account. I don't know what to do. The money was sent to individuals I have NO association with using my chime account. I have requested the bank to help me but their customer service is almost anonymous. I am under a lot of stress because of this. PLEASE HELP ME! 

The dispute Id is XXXX for {$9600.00}
Product: Student loan

I am eligible for loan forgiveness through the Public Service Loan Forgiveness program that grants student loan forgiveness at 120 qualifying payments. I have been submitting PSLF employment verification forms for many years. With the current changes to how payment credit is being given and with the waivers being given, I have over 140 months of verified employment and qualifying payments. However, Mohela is only giving me credit for 112 qualifying payments. For some reason mistakes on Mohela 's part that I have pointed out with customer service representatives on five or more occasions are not being corrected. 

Also, I am not getting credit for verified employment prior to the year 2011. I have inquired about this on XXXX or more occasions but have not been given an answer as to why this is the case. 

Because of these issue, I am not receiving loan forgiveness that I have a right to under the Public Service Loan Forgiveness program.