23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XX/XX/2023 : Account Name : XXXX  Account Number : XX/XX/2023 : Account Name : XXXX Account Number : XX/XX/2023 : Account Name : XXXX Account Number : XX/XX/2023 : Account Name : XXXX XXXX  Account Number XXXX XX/XX/2023 : Inquiries : XXXX XXXX XX/XX/2023 : XXXX XXXX XX/XX/2023 : XXXX XX/XX/2023 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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 an 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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 asked this Experian company to remove all the various false names from my credit account. They said I need to mail copies of identification and letter of residence from utility co. I sent copies of California drivers license with federal approval star, copy of passport, letter of residence from XXXX XXXX XXXX. I mailed certified mail. They still did not honor my request. I am extremely concerned that if I were to unfreeze my accounts anyone who uses any of these other names can do fraud. I have no idea where these incorrect names came from and some of them dont even make any sense they have jumbled letters attached to the end of my name. Wrong middle initials, and dropped letters etc. I can not unfreeze my accounts until this is done.
Product: Credit reporting

XXXX XXXX assured me on XXXX/XXXX/2015, and various other times that a request to delete the collection on my credit report was sent on XXXX/XXXX/15. I was advised to initiate disputes with the credit reporting agencies, which I did. I received a letter today from Equifax stating that the collection item was verified on XXXX/XXXX/2015, and the collection still remains on my credit report. I called XXXX XXXX again, XXXX XXXX ID : XXXX, advised me to call all three agencies to alert them that the deletion request had been sent on XXXX/XXXX/15 through XXXX, and that they could personally call him at him extension to verify the info. I did as he instructed, yet each of the credit bureaus assured me that they had not received the request. Each instructed me to do different things, Equifax instructed me to alert XXXX XXXX that they need to contact their business office ; XXXX assured me that they will contact XXXX XXXX to verify the request for deletion ; XXXX initiated a dispute that would take up to 30 days, saying that the only way to expedite the investigation would be to get XXXX XXXX to issue me a letter stating that the request was sent in for the deletion of the collection ( a letter that I previously requested from XXXX XXXX when I called XX/XX/XXXX ). I spoke to XXXX XXXX at XXXX XXXX, and XXXX XXXX ( XXXX supervisors who I discussed my account with previously ). XXXX stated that XXXX had been preparing a new deletion request to be sent through XXXX today. XXXX, however, did not mention that fact to me, but offered to send me a letter stating that a request for deletion was indeed sent. 
When I initially received a call from XXXX XXXX, I alerted them that I had made a partial payment to the energy company, and agreed to pay the balance in full that same day. They were supposed to debit my checking account for the balance, once they confirmed my partial payment with the energy company. I was assured that the collection activity will not be reported or appear on my credit report because I was paying off the amount within 30 days of them receiving the account. Because I authorized an amount that was {$.00} more than I owed, XXXX XXXX did not debit my account, nor did anyone call me to alert me of the problem. They sent the collection to the credit bureaus, then called me to get authorization to debit the lessor amount from my checking account. This collection has lowered my credit score by almost XXXX points, and it 's affecting my ability to get an approval to close on the purchase of my new home in a week. I 've been getting misleading information from every party involved, yet the collection remains on my account.
Product: Debt collection

I terminated myself from the sorority in   XXXX   due to girl doing too much drinking and drugs. So I had a meeting with the board and they said I would not owe anymore fees because I disaffiliated myself from the organization. I have tried to contact the sorority by phone and am unable to reach them and get no responses to my voicemails. This has been an ongoing processes of me trying to get ahold of them for almost  XXXX  years now. I also received and email from the sorority in   XXXX   XXXX   stating that I was no longer going to be charged after speaking to the finance department of greek life at  XXXX .
Product: Student loan

My loan was for {$10000.00}. I have made payments over XXXX  months yet I have a balance of over $ XXXX. Student aid and department of education stated that my servicer woud have the entire amount I have paid and the number of payments. I am trying to see where I am in the forgiveness process that was outlined in my promissory note over XXXX  years ago. I switched from day XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the bank put be in payback mode when I was still a XXXX XXXX XXXX and capitalized interest. I can not get a clear count and total from anyone.
Product: Mortgage

I As a XXXX veteran an my mom a elderly widow spouse we have continuously being trying to get a loan modification completed with the Original servicer which is Owcen which resulted in lots of back and forth with their relationship managers after that it was referred to PHH Mortgage and entity under Ocwen a same situation always a late response and always outside of their timeline then it is in XXXX also an entity of Ocwen. All fully completed motivation packets have been submitted to all these servicers since a decade ago and they have the same games that they are doing over and over defaulting that no programs will work in the best interest. They continued to switch relationship managers so that it works best in their favor I would request that they get provide all the modifications submittals since they were HAMP and other programs available and mostly qualified for that they swept under the mat to cover up to not comply with the programs set into place to help homeowners that were struggling just so that they can benefit in the long run They were also reverse mortgages where the elderly can be assisted since there is equity in the home but none was offered. Again here we see the consumers being taken advantage of and in the end you put a XXXX veteran and a widow in the streets with no care in the world. I will also like this XXXXXXXX XXXX and XXXX XXXX notified as to the wrong doing and see what is there response. The loan has moved so much between these three companies no one has the original documents, would like to see all loan modification documents submitted to these companies.
Product: Student loan

We were told by Sallie Mae ( now Navient ) to consolidate into spousal loan since if both borrowers qualify it would be fine to get PSLF in 10 years with a 30 year payment plan. After starting with {$120000.00} balance, we paid over {$150000.00} in the last 10 years and now owe {$180000.00}. Now with the temporary expansion of PSLF allowing FFEL payments to count, we tried to consolidate to direct. Despite being told my a student loan advocate and attorney that it is not illegal to go from joint loan to individual since the new single borrower agrees to be responsible for the debt ( like any joint loan refinanced into a single loan ), Navient blocked the consolidation into direct. The total spousal loan shows on Fed servicing as being all mine already, but Navient refuses to budge. We wouldve been better off with a regular 10 year amortization as there is no way possible to ever pay this off. Now we are blocked from relief under the expanded PSLF program.
Product: Student loan

The following is a detailed explanation of the matter but in essence, I am requesting that all student loan payments made while in the XXXX XXXX XXXX XXXX XXXX XXXX count towards the Public Service ( 10 year ) Loan Forgiveness ( PSLF ) program I applied for -- as I was instructed it would. 

I began working for the XXXX XXXX XXXX on XX/XX/XXXX. Prior to having my student loan consolidated with XXXX XXXX, it was with XXXX and had consecutively and punctually made all monthly payments to them. 

I learned about the Public Service ( 10 year ) Loan Forgiveness ( PSLF ) program through my eomployer, with the understanding that my prior student loan payments while working for the XXXX XXXX XXXX would qualify towards the 10 year repayment program. 

On XX/XX/XXXX, I successfully faxed the PSLF form to phone number found on page 4 ( of 6 ) on the form ( please find attachment ). 

On XX/XX/XXXX, I received a letter from XXXX XXXX stating that I qualified for the PSLF program ( please find attachment ). 

On XX/XX/XXXX, I received a letter stating that XXXX was servicing my student loans ( please find attachment ). 

On XX/XX/XXXX, I received a letter stating that my repayment schedule had changed. The letter was very confusing because it gave 7 possible reasons why this may have occurred versus being specific so I called XXXX XXXX ( please find attachment ).

This is when I learned that I my student loans were consolidated into a Standard loan and that my 20 prior payments since beginning employment for the XXXX XXXX XXXX was not going to be applied towards to 10 year loan forgiveness program. I asked how I was erroneously placed into a Standard loan when I had successfully applied and qualified for PSLF. The representative could not provide a reason and said I would need to complete the PSLF forms again, which is the same form I successfully submitted on XX/XX/XXXX. 

I still have not been told how or who erroneously submitted my loan into a " standard '' program versus the PSLF program, which is what I applied for. 

Thank you for your attention in this matter, XXXX XXXX
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 
HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE. 
NAME OF ACCOUNT : XXXX CARD NUMBER OF ACCOUNT : XXXX THANK YOU
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX To Whom it May Concern : XXXX, TX XXXX Equifax XXXX, GA XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, FL XXXX
Product: Mortgage

On XX/XX/2021 I received a call from Rocket Mortgage asking if I was interested in a refinance, I spoke to a guy named XXXX for about 5mins I was at work asked him to call me back at XXXX when I had time to hear the options, a few minutes later I received a text from XXXX to share his contact info at this time I informed XXXX NOT to run my credit, a day later I received a notification that I had a hard inquiry on my credit from Rocket who NEVER asked for permission to run my credit. XXXX did call me back at XXXX and said " we'll have to put your file on hold since you don't won't to run your credit '' then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two auto accounts that XXXX XXXX XXXX XXXX claims to have closed in default. The one in dispute was closed on XX/XX/2014 with an outstanding balance of {$300.00}, which I later combined with another payment paying the other auto current at that time. They applied the payment to the other account, but apparently did not show the other account paid in full.
Product: Checking or savings account

I have XXXX $ I am trying to withdrawl from my account but my account is restricted For my safety I asked them to lift the restriction that they told me to sumbit bank statements which i did. ( Sumbbited XXXX statements all from diffrent banks ) Robinhood is now not answering any of my emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. My social security card and id was stolen on XX/XX/XXXX. Since then i have notice multiple accounts and inquires appear on my credit report. The following accounts and inquires were not authorized by me and are in fact fraudulent. 

Creditor : XXXX XXXX Account number : XXXX Balance : {$950.00} Creditor : XXXX XXXX  Account number : XXXX Balance : {$550.00} Creditor : XXXX XXXX XXXX Account number : XXXX XXXX Balance : {$160.00} Inquires XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

if a person has a personal checking account with a bank and they write another person a personal check from that account and I go to that bank to cash that check that I do not have any account there can they charge you a fee to cash that check as high as {$8.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im following is a plant for numerous of reasons that company XXXX XXXX is reporting in an accurate phone number and address on my credit profile for the company. I send out this exact same letter to the company. XXXX. I was in the process of shopping for a car as I pulled my credit I have noticed that you charge Off this account on my credit and I have never received a XXXX form can you please go ahead and send that now. XXXX. To Whom it may concern, While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Name XXXX XXXX XXXX  XXXX Account This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately XXXX XXXX XXXX XXXX When the requested above deletions are made, please mail me an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

I mailed letters to all three credit bureaus on XX/XX/year>. I listed all the accounts that werent mine. Im still waiting on the credit bureaus to verify the accounts.
Product: Money transfer, virtual currency, or money service

I sent {$1000.00} to buy Bitcoin on Gemini My account was verified via ACH which they let me send my money to Gemini Now they dont let me withdraw my own money because my account is NOW restricted Theyll not give me my money unless I send them a wire transfer which will cost me {$35.00} Its a fraud My account is also under my name but they said its under a different name Theyre lying to take my money I talked to my personal banker at XXXX XXXX  He said it doesnt make sense to do a wire transfer when ACH is already verified Please help me I just need my money back
Product: Debt collection

I received a letter on XX/XX/2020 from I.C. System, Inc claiming to collect a debt of {$67.00} from XXXX XXXX XXXX that does not exist. I have contacted XXXX XXXX XXXX and they have confirmed that a XXXX  balance exists. I would like I.C. System to stop harassing me over a debt that does not exist.
Product: Credit card

This is in regard to application reference number XXXX. 

I believe that Chase engaged in deceptive marketing / customer service practice, which in turn caused me consumer harm. Please see below. 

Every two years, I cancel my credit card product with Chase / Southwest when I am eligible to apply and receive the promotion they were offering. I have never had any issues with this prior to this occurrence. 

On XXXX, I spoke to a Chase credit card agent who confirmed I was eligible to apply for the promotion if I cancelled my current account. I proceeded with cancellation over the phone. The agent confirmed the product was cancelled. I also verified this to be the case within my Chase app. 

Subsequently, I applied for the Chase Southwest Priority card online. 

On XX/XX/12, I called Chase to inquire about my application. They informed me I was declined for having a similar product, which is inaccurate. Because I felt deceived and I feel I am experiencing consumer harm from following what the Company told me to do and I am now without a personal credit card during the holiday season, the agent transferred me to management escalation team. I spoke with XXXX, who simply told me the decline reason and offered no further assistance. She transferred me to the complaints department. The agent I spoke to let me know that he feels no one in the Company will be able to help me. I asked to speak to someone to at least be able to reapply and utilize a promo code to access the promotion I should have had access to. He indicated that was not possible. 

I informed them I would file a complaint with the CFPB.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter from Citibank stating my personal credit card account has been closed as of XX/XX/XXXX. I have been a Citibank credit card account holder since XX/XX/XXXX with an excellent payment history. My account was current and in good standing. They also recently sent me a letter asking if I'd like my credit limit increased. When I went inside my branch in XXXX XXXX, CA, they offered me no explanation. As instructed in Citibank 's letter, I mailed a letter to them at the address they provided in the letter demanding a reason for the account closure. As of today 's date, XX/XX/XXXX, I have not gotten a written response from them. They are past the required 30-day timeframe the law states they must respond. I feel I have been unfairly discriminated against. I have a perfect payment history. I would like to sue them for violating my right to fair credit.
Product: Debt collection

I have had this phone number for 6 years now and I keep getting phone calls from debt collectors for   XXXX   XXXX   despite the fact that I have repeatedly told them that I do not know who that is, that this is not his number, and to stop calling me. Atlas Financial will not stop calling me despite me having told them this information several times. They call me at least once per week and sometimes they call more than once in a day, they call me with a robot pre-recorded message, they also call me sometimes with live people, they skip the phone call part and somehow direct themselves directly to my voicemail without my phone showing an incoming call at all, and sometimes they actually do make my phone ring before going to voicemail. There are also signs that this is a scam because when I  XXXX  Atlas Financial it comes up with a company that has nothing to do with debt collection, but I do not care to check into it deeply since I am not the person they are supposedly trying to reach anyway. The number they call from is  XXXX  although they have also called from a blocked number and from a phone number in  XXXX , Washington that I did not keep a record of. Their pre-recorded voicemail message that skips having my phone ring says, " We have an important message from Atlas Financial Services, this is a message from a debt collector, please call  XXXX  or visit our website at www.myatlasaccount.com. '' The reason I know they are looking for   XXXX   XXXX   is because when they periodically have a human call me that is the person they either ask to speak to or leave a voicemail message saying they are trying to reach. Please make them stop calling me.