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

I was a victim of fraudulent activity and have researched how to remove the fraudulent items from my report. I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. According to FCRA Section 605b, Credit Reporting Agencies must remove any items listed on an identity theft report with reference number XXXX. Attached are documents to assist in removing the accounts and erroneous personal information posted to my report. Here is the list of items opened without my permission : TransUnion : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00} XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00}. According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove such items within 4 business days of receiving the request.
Product: Student loan

Dear CFPB team, I am currently enrolled in the SAVE plan, which, per federal regulations, should be interest-free. According to studentaid.gov, enrollees were placed into administrative forbearance, with 0 % interest maintained. However, for the past several months, my Mohela portal has incorrectly reflected a 6 % interest rate, with interest accruing dailycausing my balance to rise from approximately {$240000.00} to {$250000.00}. 

Mohela has acknowledged this is an error and that no interest should be charged. However, despite repeated attempts to address this, they have refused to correct the issue or provide written confirmation of their acknowledgment. I have multiple recorded conversations with Mohela representatives substantiating these facts. The last conversation is attached to this complaint. 

This ongoing inaccuracy is unacceptable, and I request immediate corrective action. Please provide a clear resolution and written confirmation that my interest will be adjusted accordingly. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Started application XX/XX/2020 for a refinance, paid {$500.00} upfront app fee. Was informed process would be about 4-6 weeks tops. Maybe 8 weeks with COVID delays but never did we agree on a four month process. Little to no communication from Loan Originator, no real explanation for delay, emailed me in XX/XX/2020 that we are certain to close on the loan, yet still no information on status. Confirmed that everything is good but still no closing. I have provided everything they have asked of me the same day. Unable to get in contact with corporation, no contact with underwriting, inconsistent contact with loan originator. Recent email states company is facing capacity issue. Sending same documents month after month with no success. The process is deceiving. I have all emails of me trying to get answers that go weeks ignored, to then only turn around and ask me for the same documents over and over. I have all supporting documents for my claims in email format with personal information such as SS #, bank stmnts, ect, will supply if necessary.
Product: Student loan

On XXXX/XXXX/XXXX, my daughter started an application with SOFI to refinance her private student loans. The rate she was quoted was high, so she listed me as a co-signer to get a lower rate. I received an application to complete as a co-signer. Once completed on line, I expected to see the new rate offered on the loan. However, all I received was a loan agreement to sign stating that I would make payments etc. When I called SOFI and spoke to a random agent, she said I could not see the rates and terms until I signed the loan agreement. She told me what the original rate was that my daughter qualified for on her own, but would n't discuss what the new proposed rates were since I had n't signed the loan agreement ( remember we are still in the application phase of this loan. ) When I refused to sign the loan agreement until I saw the terms, she suggested that I contact my daughter and have her look up the terms. My daughter discussed the terms she received which sounded reasonable so I went ahead and signed the loan agreement. However, I still had no access to the terms. My daughter signed her loan agreement and I received an email on XXXX XXXX, XXXX saying that she had signed the loan documents. I went on line to view the terms and still was not granted access. I called and was connected with a random agent and explained that as a co-signer I had the right to view the terms of the loan. The agent said that my daughter was the primary borrower and I was only there in case of default so I was not entitled to see the loan terms and documents. He suggested that I sign in as my daughter so I could see them. I am a co-signer on the loan, not a guarantor. I believe that banking regulations treat co-signers as co-borrowers and am appalled that I had to sign a commitment to pay without seeing the terms first hand in a document. Even after I signed and requested the loan documents, I was denied access. I realize SOFI is not a bank, and have contacted you to make this a formal complaint. I have had to commit via a loan agreement to a refi of a student loan of just over {$99000.00} without seeing any of the terms.
Product: Credit reporting or other personal consumer reports

Im writing you today to inform you that I'm disputingerroneousinformation on my credit file.In accordance with the Fair Credit Reporting act. The list of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. : 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. 


XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

I had to ultimately change my number because the phone calls were getting extremely out of hand. Every single day I would receive multiple phone calls from different phone numbers regarding the same accounts. I began turning on my " Do Not Disturb '' on my phone every day because the calls were getting out of control. Eventually, I decided to change my phone number for some peace. Most of the voicemails were automated, but a lot of them were employees ( hardly ever the same one ) saying that legal action could and would be taken if I didn't get the situations resolved. The calls would come from all over the country. I will list some of the phone numbers and dates of call below. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX once The calls and voicemails repeated like that daily prior to the XXXX XXXX XXXX  when I changed my phone number officially. In the mix of calls were blocked, or " unknown, '' numbers that would leave voicemails with no call back number.
Product: Credit reporting or other personal consumer reports

To my surprise, I noticed some wrong accounts on my credit report this morning, and Im clueless about how they got there. I check my credit report often, but this time there were unexplained mistakes. I tried refreshing the page, thinking it might just be a browser issue, but the inaccurate accounts stayed. Im really upset about this and Im asking for a full review of the documents Ive provided so I never have to stress about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspect items I am not familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$150.00} XXXX  XXXX XXXX {$66.00} XXXX XXXX XXXX   XXXX {$690.00} XXXX  XXXX  XXXX {$50.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patient. I am not seeing results or getting notifications on repairing my credit to 100 % accuracy. I have now waited over 60 days for investigation results, and nothing. Please remove all accounts listed here. 

1. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX Account Number : XXXX Please remove it from my credit report. 

6. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

According to FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated and I the consumer have not received a debt validation letter for the accounts below. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. Please send me a copy of my credit report when the above collections are deleted and has been removed. I look forward to your response.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Inaccurate Charge-Off Reporting Under FCRA I formally disputing an inaccurate charge-off reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I have the right to ensure that only accurate and complete information appears on my credit report. USAA Account # XXXX The account has been erroneously reported as a charge-off while still being pursued for collection. This is misleading and may constitute willful misreporting under the FCRA.
Product: Credit card or prepaid card

In XXXX I returned school uniform clothing item to XXXX XXXX store. When I returned the items the refund could only go back on the card that you originally used to purchase the items. I tried two of my bank cards, which was not accepted and then I tried my US Bank Relia Card and it was accepted for the return. 
In XXXX, my daughters father made a XXXX XXXX payment of {$50.00}. I was alerted that there was money on my card. Later that day I went to make a purchase and my card was denied. I call US Bank Relia Card and the sated that my card was locked because of a return. They accused me of fraud because they could not find the original purchases on my card from the uniform store. I was told the only way they would release my funds was to send a copy of a receipt showing that I purchased the items or have the company take the funds off the card and give me a refund in a different way. I explained to the Relia Card that I made the purchase a year ago at different times and could not find the receipts. 
I called the store and explained what was going on. They stated that they changed system and that there was no way for them to go back a year ago and look for each individual receipt. They also stated that there is no way they could take money off of a card that has a hold on it. 
The only thing the uniform store was able to give me was a copy of the return receipt. I did a three way with US Bank Relia Card and XXXX XXXX store, we spoke with a manager and explained the matter. The manager stated that she understood and for XXXX XXXX to fax the return receipt and she was going to send an email to corporate explaining the circumstance so they could release the funds. She also, stated that she would following up with me on Monday because corporate office was closed for the XXXX XXXX   XXXX holiday. I never heard back from the supervisor. 
I call a few days later and asked to speak with another supervisor and she stated that the only way they were going to release the funds is if I could prove that I purchase the school uniforms because they dont see where I ever purchased the uniforms. I asked to talk to someone in corporate and was told that what she was telling me was coming from corporate. I asked if I could talk to someone at US Bank and was told that US Bank does not regulate them and they have their own policies. Again, I was accused of fraud. 
I have had my US Bank Relia Card for 14 years and never had any issues when I returned items that I bought with my card. I have never been accused of fraud in my life and I dont have a criminal record. As a single mother, this matter has been stressful, has affected my health and my ability to pay bills that meet our basic needs. They are keeping {$530.00} money that has nothing to do with the issues which is causing me financial difficulties. In total they are keeping {$720.00} of my money and have illegally accused me of fraud. I have call the Oregons Child Support Department and they stated that it is illegally for them to keep my XXXX XXXX payments and not make them available to me.
Product: Credit reporting or other personal consumer reports

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. 

XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXXXXXX Balance Owed : {$40.00} XXXX XXXXXXXX XXXX Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance XXXX XXXX {$420.00}
Product: Debt collection

I have never done business XXXX XXXX, Ive never entered into a signed contract with this company. I REFUSE TO PAY THIS DEBT AS IT IDENTITY
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 a account without my written instructions
Product: Mortgage

To whom it may concern, I initially reached out to Flagstar Bank ( corp office in MI? ) around XX/XX/2021, with regards to refinancing a couple of current mortgages I have. One of my mortgages was with another lender, and the other with Flagstar Bank already. 

I was immediately contacted by phone from a representative of Flagstar Bank. The individual provided an initial phone interview and gathered some information from me. 
He also informed me that the whole process would take about 90 days or less to complete. A day or two later, I was contacted by email & phone from a mortgage loan processor. This person explained her role and advised me that she would need to collect additional pieces of information/documents from my wife and I, in order to proceed. 
I'm being upfront and letting it be known that my finances are bit more complex than the average person 's, but my credit score is good-great, and my wife 's is great!

Over the next couple of months, I received periodic contact from the loan processor requesting additional ( redundant ) information. I followed along, thinking this is normal and was in range of the 90 days or less timeframe. 

Several weeks went by with little to no communication from Flagstar. I followed the " Timeline to Close '' meter on their website as it pertained to my loan request status. As this meter stayed the same for several more weeks, I began to worry and sent emails to the representative and processor for updates. Numerous email communications I sent were responded to. Occasionally, I would receive other emails from the processor requesting additional ( redundant ) information, requested by the underwriters. 
This went on for several more weeks. 
Finally, my loan refi request I had with the other lender was " approved with conditions. '' The loan was closed on around the middle of XX/XX/2021. A bit more than 90 days. 

Now, for the current loan that I have with Flagstar and the request to refi. Today is XX/XX/XXXX ( nearly 140 days later ). I have still not received much communication or response to my email status update requests. From the little email correspondence I receive, it is requests for the same information I have already provided to Flagstar. I'm told that my records have expired and Flagstar needs updated information, including to pull another credit report on my wife and I. Why?

My response to that is it's not my fault that Flagstar is dragging this whole process out. I still do not know exactly what sort of timeframe or even if a decision has been made considering my request. But yet again, this is the current loan I have with Flagstar I'm requesting to refi at a more competitive APR.

I have sent a request on Flagstar 's website to be contacted by some other contacts than the initial person 's assigned to me. This whole process has been completely frustrating and un-professional. If I have a choice, I will never do business with this lender again. 

XXXX
Product: Credit card or prepaid card

For several months a company known as XXXX has been charging my Cashapp debit card {$10.00} at odd hours of the morning. I have tried to stop this by contacting them, but there is no way to do so. I contacted Cashapp Support several times about the problem as well. They just now put a stop to it now that my account is down to {$1.00}. This is ridiculous as I have no idea who they are or why they are charging me money. I did not do this, please help.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

Made a purchase through XXXX XXXX with XXXX Retail Credit card, the order was cancelled on XX/XX/2018, and was voided on XX/XX/2018. It still shows on the XXXX retail credit card that the order is pending since XX/XX/2018. It has been 3 weeks and 6 days since it shows the order is still in the pending status. XXXX XXXX has already confirmed and sent a receipt showing the order has been cancelled. On XX/XX/2018 I  spoke with XXXX after receiving a statement showing that the transaction is still pending, they advised me XXXX XXXX has not sent anything which is a lie because I have the cancellation email from XXXX XXXX, and when I call to speak to XXXX XXXX they state no order is pending and XXXX  should have been cancelled the pending transaction. Since XXXX is unwilling to cancel the pending transaction it has just be sitting using my available credit and I can not use the card to make the purchases that I want to make. The representative XXXX I spoke to via chat advised they can not do anything, even when I have the proof.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address, These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. 
To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : XXXX. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
XXXX. Update my credit profile to reflect the correct information as listed above. 
XXXX. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 
XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX