23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing to get an update on my PSLF Reconsideration Buyback Request that was submitted on XX/XX/XXXX. I have at least 120 months of approved qualifying employment, and I am seeking PSLF or TEPSLF discharge through PSLF buyback. I submitted a PSLF employer certification form on XX/XX/XXXX which was processed on XX/XX/XXXX and my payments were subsequently updated on the FSA website to XXXX eligible/qualifying payment counts. However, I made my final three payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, specifically on the dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Unfortunately, I am currently caught up in the SAVE forbearance and understand that payments made during the forbearance period typically do not count toward PSLF, however these final three payments that I made if counted would bring me to 120 payments exactly which would allow me to achieve forgiveness now. This would be achieved through buyback. I also submitted an Income-Driven Repayment ( IDR ) Plan Application on XX/XX/XXXX to switch from SAVE to PAYE as I'm not currently getting any PSLF credit due to being in SAVE forbearance. I did this just in case my buyback request is denied. My IDR Application is still under review. If my PSLF Reconsideration Buyback request is denied and I have to make three additional payments under PAYE, I am completely fine with that but shouldn't have to make any additional payments. I just want to be done and obtain student loan forgiveness/discharge as soon as possible. I would like for MOHELA, FSA and/or the Department of Education ( DOE ) to please review, process and approve my PSLF Reconsideration Buyback Request so that my account can finally be updated to 120 payments resulting in student loan forgiveness/discharge. I am very concerned given the new administration that is set to take office very soon.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( XXXX XXXX ) I was never late on this account listed above. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
+ Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 7/23 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud
Product: Credit card

capitol one card opened in my name caught on a XXXX XXXX alrt called capitol one and started complaint also got sheriffs report number XXXX with XXXX XXXXXXXX XXXX  XXXX since has bee deacitvated had XXXX on it address was also a fraud deal per sheriffs office also a XXXX XXXX was tried to be opened but did not go through since have froze all credit reports
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : DEPTEDXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} DEPTEDXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} DEPTEDXXXX XXXX XXXX - XX/XX/XXXX - {$00.00} DEPTEDXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$15000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$910.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Nationstar Mortgage failed to respond to my Qualified Written Request sent XX/XX/XXXX within the required period of time. 

Nationstar Mortgage failed to credit all of my payments on my mortgage after Nationstar acquired mortgage servicing rights from XXXX XXXX XXXX in XX/XX/XXXX, despite repeated requests to do so. 

Nationstar Mortgage has not cooperated in my attempt to refinance my loan through the HAMP program.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAD A PURCHASE IN XX/XX/XXXX XXXX. MADE A RETURN THAT WAS TO REDUCE THIS ORIGINAL AMOUNT. KOHL 'S DEPT. STORE ( THRU CAP ONE BANK ) DID NOT SEND ANY BILLS FOR ALMOST 90 DAYS ( ZERO COMMUNICATION ). NO CALLS/NO TEXTS/NO MAIL/NO EMAIL TO SAY THAT THERE WAS A BAL REMAINING OF {$83.00}. THIS ACCOUNT HAS BEEN OPEN FOR 19 YRS ( AND HAS NEVER EVER BEEN LATE ) KOHLS REPORTED THE ACCOUNT ON XXXX 30 DAY PAST DUE IN XX/XX/XXXX WITH A BAL OF XXXX SHOWING ON BUREAUS ( THIS IS A XXXX BAL AS OF XXXX. I WOULD LIKE THEM TO REVERSE THE 30 DAY REPORTING ON ALL 3 BUREAUS
Product: Mortgage

I closed with Loan Depot in XX/XX/XXXX. The refinance of the house was to get cash out, pay off credit cards, cars and buy additional property. It took an extra week for payouts to happen after closing. All checks were mailed to my residence with the accounts owed in the title. all checks were sent out and all debt was paid except XXXX credit card. I had quite a bit of trouble with XXXX and their bank. I had the first check canceled. The second check was sent out for the amount of XXXX dollars for XXXX was discussed. XXXX XXXX and XXXX XXXX with Loan Depot were on the email XX/XX/XXXX, an email dated XX/XX/XXXX notified me that a the 2nd check would be overnighted to XXXX. Still had problems getting that XXXX account paid off. 
XX/XX/XXXX received an email from XXXX XXXX XXXX the Title Company Loan Depot went through to send checks out. XXXX stated she would ask Loan Depot if I paid the card on XXXX off and provided proof then they would send a check to me for the XXXX dollars. 
XX/XX/XXXX XXXX XXXX with Loan Depot stated in an email if I proved documentation of the account showing paid in full a check would be cut to me. 
XX/XX/XXXX I provided proof that the account had been paid in full. 
XXXX XXXX with XXXX in an email dated the same day would forward to funding and would contact me of the out come. 
XX/XX/XXXX I provided proof once more the account had been paid in full. Then had to provide loan number and property address to XXXX XXXX of XXXX on the XXXX of XX/XX/XXXX to try and get this resolved. This is the same person that had told me 2 weeks prior he would contact me with the out come but once again I had to initiate contact. I then received an email stating XXXX banking never received nor cashed the check sent XX/XX/XXXX. XXXX XXXX stated send him the check, email dated XX/XX/XXXX. 
XX/XX/XXXX I used Loan Depot question and answers on their website about getting automated phone calls from Loan Depot prior to the XXXX of each month on payment of the mortgage when I had set up an automated payment with my bank to correspond with my pay day with XXXX. Had never gotten these calls before refinancing with Loan Depot so I filed a complaint XX/XX/XXXX with CFPB complaint ID XXXX. I've not had late payments nor am I behind on this account. 
Received an email XX/XX/XXXX from the Federal Trade Commission with a reference number XXXX with the first complaint. I find it frustrating that they can harass me for not paying on the XXXX of each month with a grace period going to the XXXX of that month before assessing late penalties and late fees but when the shoe is on the other foot it is ignored. 
I contacted XXXX XXXX of XXXX again XX/XX/XXXX once again on the status of the check. XXXX forwarded the email to XXXX XXXX of XXXX on esculating the process to cut me a check with no response. 
I sent emails dated XX/XX/XXXX and XXXX asking for an update with no response on any emails sent to her. 
XX/XX/XXXX I sent a final email to XXXX XXXX stating that with no response from her I was submitting a complaint to the CFPB and would follow up with XXXX XXXX XXXX with no response again.
Product: Vehicle loan or lease

I calledKIA motors finance on XXXX XXXXor a payoff amount on my XXXX KIA. I was given an amount that would have had me paying over {$400.00} more then originally owed. When I asked to have it explained to me all they would say is I had to pay the payoff amount they showed and I would get a refund after overpaying. Loan details were for 36 months at {$330.00} per month for a total payment of {$12000.00}. Which the representative acknowledged would have the total loan repaid. However, after I made 34 on time payments of {$350.00} each thinking I would cut approximately one payment at the end. I overpaid {$400.00} in total which I come to find out they do n't take that amount from the principal but for some reason a portion is applied to some form of unearned interest. I 'm unable to get my brain around this as the representative along with her supervisor XXXX, which I requested, he also would only say I had to overpay and trust them to return any excess. This defies logic, why would I pay more then owed. Is this legal? I have no idea if I have any recourse but to do as they say and overpay and just trust them? Who writes the laws that allow a company to do this type of accounting?
Product: Debt collection

Reporting duplicate accounts on my credit with XXXX  which is a violation and I didn't receive any information about this bill which I am not claiming because I don't know what it is which is also a FDCPA violation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX - XXXX - This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) in written instructions of the consumer to whom it relates. 

XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX - This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( XXXX ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ( XXXX ) in written instructions of the consumer to whom it relates. 
XXXXXX/XX/XXXX XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681. 

XXXXXX/XX/XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/XXXXXXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XX/XX/XXXX XXXX - Not all bureaus are reporting this account that way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report.
Product: Money transfer, virtual currency, or money service

I have been using Venmo for over 3 years now. I have always used it to transfer money from friends and family. On XX/XX/XXXX, Venmo froze my account for no reason. This was after they allowed my sister-in-law to transfer me XXXX XXXX They froze my account and did not allow me to transfer money to my bank account which was desperately needed to pay bills. Now they can hold my money for 180 days, yet there is no explanation of what I did wrong or which rules I have broken. I searched online and found out that this happens to a lot of people. As of today, they have limited my sister-in-laws account as well. I don't know what kind of business practice this is but freezing my account and holding my money with no explanation, this can't be legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently XX/XX/XXXX I put a freeze on all my credit, and I did this because I am looking at apartments, but ran into trouble with a scammer acting like a fake property renter, that was the purpose of my freeze, he had all my important info. 
Fast forward, now my apartment search is harder but I feel safer and I have the tools to make a credit check easy for the property owner. 
I thought I did. 
Today, XX/XX/2019, I receive a notice from a gentleman who I was hoping would rent his place to me. He said he forgot I told him my credit was frozen, and he ran it anyways. He also sent me my report from his viewpoint. 
My issue is. 
If there is a freeze on my account, no report should of been generated. But there was a report. I have great credit honestly, but because of the very big fat bold F letter grade, ( maybe its a fail maybe it's a frozen ) still big fat bold F, on the front page of the report that should not have been generated. 
I'm praying the owner gives me time to unlock my freeze now. What a disservice, F letter grade, is inaccurate and should not be there.
Product: Mortgage

I emailed my mortgage company on XX/XX/year>, to inquire about an escrow withdrawal made on XX/XX/XXXXXXXX XXXX XXXX as it was not labeled or itemized. I received an email on XX/XX/XXXXXXXX XXXX XXXX informing me that the escrow withdrawal was to pay the first half of taxes out of my escrow account. I received a notice of default dated XX/XX/scrub>XXXX XXXX XXXX  from my town that the taxes were never received and I now have to pay a 2 % penalty.
Product: Debt collection

The Fair Credit Reporting Act mandates that accurate and verified information be reported on consumers ' credit reports. In my case, the verification process appears to be delayed or ignored, causing further distress and damage to my financial standing. 
XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXXPLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. 
XXXX XXXX XXXX -PLEASE DELETE!!! 
I demand immediate action to address this situation. Specifically, I expect your agency to : Expedite the investigation into the fraudulent accounts on my credit report. 
Remove the fraudulent accounts promptly, as they are causing substantial harm to my creditworthiness. 
Provide me with written confirmation of the corrections made and an updated credit report reflecting these changes within 15 days of receiving this letter.
Product: Credit card

On XXXX 2014, Chase Bank shut down my card with no warning, when I contacted them, they stated that they had reviewed account and closed it with the information they received from the credit report. I contacted them several times and they said, I need to contact the credit bureaus. Now Its been a year, since. I earned XXXX reward points with chase saphire card. I do not have to access to that, I believe it is unfair bussineess practice this happen. I never had a late payement, check returned or went over the limit. I earned those points, and for them to just take it away, is just wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian XXXX and XXXX to do a verification on everything that is listed on my credit report, they stated that everything is accurate. However, I did a thorough research and found inaccuracies on my credit report. 

The credit bureaus didn't do a proper investigation on my credit report. 

According to 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account XXXX should not be furnished on my credit report. 


Account Number XXXX Original Creditor XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

Since opening my account with Citi Bank, every single payment that has been made has been held, for no reason, for anywhere from 1-3 weeks without being credited. I have never had a single missed payment, bounced payment or other issue that would cause this. Furthermore, I have paid my account on time every single month and paid much more than the minimum payment regularly. When I have spoken to Citi about  this, they have told me that they have no idea why this is happeneing. Every time I escalate the matter to a " supervisor '', they promise to " investigate '' the matter and reach back out but that never happens and the issue never gets resolved. Right now, I have a payment that I made for {$250.00} on XXXX/XXXX/XXXX. This payment came out of my checking account as PENDING on XXXX/XXXX/XXXX and POSTED to the checking account XXXX/XXXX/XXXX. My payment has not reflected in my available credit as of XXXX/XXXX/XXXX. Upon reaching out to Citi, they again informed me that it is ON HOLD until XXXX/XXXX/XXXX with no reason or justification why. 

I want this matter resolved and I want all future payments to my account credited in a timely manner. I have numerous credit cards with numerous other companies and every single one credits the payment ( generally ) to my available credit within 48 business hours. Citi should be doing the same.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Identitytheft.gov confirmed identity theft, and the bank acknowledged it, demanding immediate removal of fraudulent accounts. Other bureaus acted swiftly ; the bank agreed to fix errors. Demand immediate deletion of these accounts from my credit report. 
XXXX XXXXXXXX. 
XXXX XXXX