23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Issue : Unfair Debt Collecting and Reporting practices by Fed Loan Servicing is prejudicing my ability to buy a house XXXX LA flood. Specifically- there is a difference between the information I can access about my four ( 4 ) student loans on the Fed Loan Servicing website- which shows a bill- pay this amount by this day and no days delinquent- and Fed Loan Servicing 's reporting to the credit reporting agencies- continuing to show it as past due and delinquent. I paid the amount demanded to bring account current- via the website- and am making monthly payments and they are not being reflected my credit report or score. 

Chronology : loans were in default, XX/XX/2016- fed loan said going to transfer to collection agency. Present- still not transferred and no timeline to transfer. 

XX/XX/2016, I paid amount to bring all accounts current via the website. I have paid the requested amount of the pay this amount by this date listed every month. 

Present : the website for fed loan reflect 0 days delinquent. However, Fed loan is reporting it more than 180 days delinquent to the credit companies. 

The website does not provide account numbers, or my name asssociated with the payments- it only shows there are four loans and the amounts of each. I asked Fed Loan for a verification letter and was repeatedly told that : 1. the loans were in litigation status, 2. I had to wait for the loans to be transferred elsewhere to address it, 3. the Department of Educations does not have these loans, I have paid all of the loans with the Department of Education XXXX 

Further, they report that I still have to pay the loan because it is due, which I am paying, but will not report that I am paying the installments because they categorized it as deliquent ... even though I paid the inflated amount to bring the account current and they have accepted all payments. 

The problem with Fed loan 's response is that they will not let me speak to the credit department, the reporting department, or anyone who can make any decisions. There is a complete difference between what the website reflects on my accounts and what they are reporting to XXXX and there is no way for me to remedy or address. I filed disputes with the credit companies, submitted proof to Fed loan servicing and am told- even if i paid every month forever on the website- it would be reported as delinquent to the credit agencies as past due 180 days every month forever until this is paid in full. 

The call center supervisor said they are allowed to do this by and FSA law- when asked what law, she did not have one to cite. I asked for the legal department, she would not let me speak to anyone there, i asked for a manager or supervisor, she would not let me speak to anyone else. I asked for the credit department and she advised they wo n't speak to me either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$4100.00}, XXXX XXXX XXXX XXXX Balance : {$7100.00}, XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have received two phone calls in the last month regarding store credit cards being opened in my name. I have not been to either of these stores nor have I opened any additional credit cards. This is affecting my credit score.
Product: Payday loan, title loan, or personal loan

i received this email from speedycash claiming i took out payday loan with this company which is lie. if taken this loan there would be evidence of loan being deposited into my account no record because never took. XXXX XXXX XXXX is the person who sent me email
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that is appearing on my credit report. Despite my best efforts, I have been unable to verify why this account is reflecting on my report. This situation has not only caused me undue stress but has also resulted in denials and questioning of my credibility by lenders. It is imperative that this issue be rectified immediately. I demand a thorough investigation into the legitimacy of these accounts and request solid proof that they indeed belong to me or were initiated by me. Without such evidence, I insist that these accounts be removed from my credit report without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a victim of identity theft XXXX  of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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, 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 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: Student loan

I submitted my first application for the Public Student Loan Forgiveness program in XX/XX/XXXX after having made 5 qualifying payments. I was approved in XX/XX/XXXX though my account did not wholly and accurately reflect these payments. The payments were rescinded in XX/XX/XXXX. I submitted my second application for Public Student Loan Forgiveness in XX/XX/XXXX after having made an additional 12 qualifying payments. I am on an income driven repayment plan with direct debit and was working for a qualifying XXXX providing XXXX services as a XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My case has been pending review since XX/XX/XXXX. It's been over a year. I've sent numerous emails. I've filed complaints. And I'm still waiting for my account to reflect my 17 qualifying PSLF payments.
Product: Checking or savings account

On XX/XX/XXXX, I opened new checking and savings accounts with Citibank utilizing a promotion which was mailed to my home. The new account promotion was for a {$400.00} cash bonus after meeting certain deposit requirements. Despite meeting these requirements, the bonus was never paid. 

On XX/XX/XXXX I contacted Citibank to resolve the situation. The representative I spoke to did confirm that the promotion was applied to my account and that I met the deposit requirements. What Citibank claims, though, is that I transferred funds into an ineligible savings account that meant I did not hold the funds in an eligible account long enough. Their terms, however, state that the funds must be held in a Citi savings account ( which my savings account with Citibank obviously is ). Their claim is that the following terms... 

" Eligible Savings Accounts '' are limited to new or existing Citi Savings Accounts in any package where the Eligible Customer is a signer. 

... refers to a specific savings product, and that I did not open a " Citi savings account '' because I opened a " Citi accelerate savings account ''. It adds additional confusion that they refer to their eligible checking accounts in the singular ( i.e. a " Citibank Account '' ) vs. plural for " Citi Savings Accounts '', further leading one to believe " Citi Savings Accounts '' refers to a group of products and not a specific one. 

While I can appreciate that perhaps Citibank would like customers to open a particular savings product, the language they used was clearly ambiguous if that was their intention. I believe any consumer would interpret the wording to mean any savings account that Citibank offers. If Citibank wishes to limit what products are eligible for the purpose of denying advertised promotions, they need to have clearer language and/or title their products with generic names which do not have multiple interpretations.
Product: Debt collection

I had an account set up with Patient Accounts Bureau where they took out XXXX on the XXXX of each month. I called them last week and asked them not to take the money out this month, which they have recordings and documentation of, and they said nothing will be taken out. Today they took out XXXX which overdrew my account forcing me to stop payment on the check which still cost me XXXX. I spoke with their manager XXXX XXXX and he said that he did n't know how long it would take or if they even would reimburse me the fee for having to stop a check that was NOT an authorized payment. They overdrew my account which has caused several issues for me, especially as a single mom, I need this money and they are not being cooroperative at all. This was again a payment that was not authorized, therefore illegal for them to take out of my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ) and Privacy Act of 1974, as a federally protected consumer, to opt out and rescind any and all prior assumed authorizations of the sharing of my private data and personal information I may have given you, written, non-written, verbal, or non-verbal per 15 U.S. Code 6802. 

I hereby request that you cease and desist from sharing or disseminating any of my private data and personal information to third parties, unless explicitly authorized by me in writing. This includes but is not limited to my name, address, social security number, financial information, and any other data that could be deemed sensitive or private. 

Furthermore, I revoke any consent that may have been implied or assumed in any previous agreements or interactions with your organization or any affiliated entities. It is my explicit desire that my private data and personal information be kept confidential and only used for the purposes explicitly agreed upon, approved of and authorized in written form by the consumer, in any contracts or agreements between myself and your organization. 

Please consider this letter as a formal notice of my intent to opt out of any data sharing practices and to rescind any prior authorizations. As such, I expect immediate compliance with my request and confirmation of action taken within the timeframe required by law. 

Failure to comply with this request may result in legal action, including but not limited to pursuing remedies available under the FCRA, Privacy Act of 1974, and other applicable statutes. 

Thank you for your prompt attention to this matter. I trust that you will handle my private data and personal information with the utmost care and respect for my privacy rights.
Product: Credit card

Eleven years ago I lost my job then had a problem with identity theft. I explained the situation to MBNA/Bank of America. I asked to use the insurance that I paid for and they told me I did not qualify to use it. Then they told me that since I was only making the minimum payments, they were going to up my APR and my monthly payments. They continued to increase these till my monthly payments were over {$2000.00}. I closed the account in XXXX, but continued to try to make some form of payment until XXXX. They continued to add interest after the acount was closed. They called me again in XXXX XXXX and threatened me. I told the lady that I did not have the money and it had been over 10 years and they could not continue to harass me. She said " That is not how it works and we can do whatever we want. '' I checked on the statute of limitations in the state of Texas and it is 4 years. They proceeded to write off the debt and file with IRS. This is not legal according to the Fair Debt Collection Act since the debt is way past the statute of limitations ( 4 years ).
Product: Money transfer, virtual currency, or money service

I was sent money to venmo to pay some bills because me and my family are on Hard Times I usually don't use venmo but I decided to make one but in the midst of that somehow my account was connected to my brother 's although I had never made one before so in light of that my brother decided to make a new venmo and let me have that one so I put in my cash app card and my bank information as well as a picture and changing of names on the account the people sent me over the money and I was trying to transfer to my bank account when the account was frozen I first tried on the XXXX XXXX  XXXX in which I did send my expired ID when they asked for photo identification but even then I did not receive a response I then begin to call on XX/XX/XXXX in which I did not get a clear answer all I knew was they would send it to venmo XXXX I did try to explain all of this in an email to the venmo XXXX but it seemed like the email was automated and that they were not receiving my full emails I had been calling them on XX/XX/XXXX XXXX and then on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX and XXXX I have not been able to resolve this issue I have explained in great detail and I do believe it's a system error and have asked them to please check it as well as their system has mistakenly made the legal name of the account a nickname and me nor my brother who is the original account holder has that nickname for an ID so he can not verify but only through his email who he is. I am willing to do whatever it takes to cooperate but I do feel and know that I am not being heard it is a big misunderstanding via their system and the app itself the dollar amount that is in the venmo account is {$390.00} of which I have been trying to get a hold of since the mid beginning ofXX/XX/XXXXI also want to make clear that XXXX is my nickname and so if that does come up it's because of that I also changed the venmo account name back to my brothers but again keep in mind that venmo 's files says his legal name is XXXX XXXX but his real name is XXXX XXXX.
Product: Debt collection

As of XX/XX/XXXX, CCS Collections is reporting a debt as paid when I do not have any debt with them. I took care of my balance to reinstate my insurance with XXXX on XX/XX/XXXX. This morning I called CCS to inquire why they are reporting a debt as paid to them when I never was involved with them and I dealt directly with the creditor. This company has no grounds to be reporting on my credit report. The information they are providing to XXXX and XXXX are inaccurate. Before I made my payment on XX/XX/XXXX, the representative, XXXX told me it would take up to 30 days to reflect to be removed from my report but when I talked to CCS to confirm this information because I saw XXXX removed the account, I was told that they won't remove it at all. This is a clear violation of my FCRA rights as a consumer. This debt is invalid and does not belong to me and should be removed from my XXXX and XXXX reports immediately and not updated to paid because I never handled business with CCS Collections and worked directly with the original creditor. XXXX is sending me a copy of the recorded call in which I will be having professional transcribed as to what was discussed on XX/XX/XXXX. The agreement was that they would notify CCS within 24 hours so CCS should not be reporting this inaccurate information as if I owe the debt to them.
Product: Payday loan, title loan, or personal loan

My personal loan lender, Wells Fargo Bank, assessed a late fee charge of {$39.00} on XX/XX/2017. This fee was a direct result of their teller-line representatives misapplying a payment on the wrong account. <P/>In working ( via phone ) with my local Wells Fargo Banker at the XXXX XXXX location in XXXX XXXX Wisconsin on XX/XX/XXXX they asked me to physically bring in my deposit slip as supporting documentation to correct and reverse the fee. In doing so, on XX/XX/XXXX, the representative I was working with added additional requirements and steps to correct the issue such as returning to the original branch to reverse the original transaction, obtaining a debit slip from the checking account from which the loan was paid, then return to the XXXX XXXX location to complete the process which would take approximately two weeks. <P/>Unfortunately, this is n't the first time I 've had a payment misapplied on this specific loan. In the past, this was resolved on the spot, without issue. But I have yet to see any resolution or attempt to correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am grateful for the efforts the Credit Bureaus have done with my Credit Reports. I value the Credit Bureaus ' help to REMOVE a portion of the data on my credit file that came about because of a FRAUD yet I have Accounts and information left that should also be taken out or removed. Per FCRA section 605b, the Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Under the provisions of the FCRA section 605b, I am in need for the removal of the following fraudulent items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX DPT EDXXXX XXXX* Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX
Product: Credit reporting or other personal consumer reports

they had got my info mixxed up didnt have anything right and on top of the i gert a letter sayying theygot hacked and now my infois on the blk weeb are who know where and all they said is we will give you one free yr i didnt want that i wanted the to help me stop who ever got my info im a single dad of XXXX and now i seeing bill come to my email and there not me at all now i hads to find someone that can stop who ever has me ssi number and who knows wht more there getting out of me. been trying to fix it but it cost money that i dont havew and they didnt help me at all i wish you guys give it to them big time it is killing me i been trying to fix it all but like i said im not rich. and cant use money i dont have when there the one who lost my info it waas like they didnt care at all .i have the letter they gave me. ill send it
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/2023. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2023, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why these accounts shouldve already been deleted. The account not being deleted, proves I am owed monetary compensation for the violations of the fair credit reporting act
Product: Mortgage

I had an appointment with Lake Michigan Credit Union on XX/XX/22 to discuss mortgage forbearance from the CARES Act due to financial hardship from the pandemic. My mortgage is backed by XXXX XXXX and I'm not delinquent on payments. The employee handed me a Mortgage Assistance Application which required the following documentation : Borrower Assistance Form and Worksheet, Hardship Letter, 4506-T, last 30 days of pay stubs, most recent statements for all bank accounts, most recent utility statements, proof of obligations which contribute to your hardship, last two years signed Federal Tax Returns with all schedules, W2s and 1099s, and the most recent retirement account statement. I explained that the CARES act only requires that I report that I'm experiencing a pandemic-related financial hardship and that because my loan is backed by XXXX XXXX , I am allowed to request a mortgage forbearance without disclosing additional information. The employee made a phone call to another XXXX employee and shared what I said. After she got off the phone, I was told that even if the government said that there was no additional documentation needed, XXXX would still need it. I let the employee know that I would contact one of the agencies who help lenders navigate these requests and come back another time. After I left the office, I received a voicemail from another employee with XXXX. I returned the call and was pushed for more information about my need for a forbearance. I explained the CARES Act rules and that I could ask for a forbearance for up to 180 days and later request an extension. That my loan would still accrue interest but there would be no late fees and no report to the credit bureau that I was delinquent. How the missed payments would be repaid would be figured out between me and XXXX. The employee acted like she didn't know about these rules and kept pushing me for personal information so she would know which forbearance plan would best suit my needs. She also said that a forbearance might still negatively affect my credit and the missed payments would be due in one lump sum after the end of the forbearance. I explained that the CARES Act prevents mortgage services from requiring a lump sum repayment unless the borrower chooses to do so. I added that a foreclosure notice would be much worse for my credit than having a mortgage loan that wasn't decreasing in amount. I again shared that I would be reaching out to an outside agency to help me navigate this issue.
Product: Credit card or prepaid card

In XXXX of 2022 Discover credit card called to tell me I was late on a payment. I then told them that I did not have a Discover credit card and the charges made at a XXXX store in XXXX XXXX XXXXXXXX and balance transfers made to a bank in XXXX XXXX XXXXXXXX that I have never done business with. Just before my account was created my mail was forwarded to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. This account was created with an email address that is in no way associated with me. Discover has removed some of the charges but left most of them. But they are all of the same. The charges at XXXX and the balance transfers to the bank on XXXX XXXX XXXX all are about XXXX miles from my house and I have never been to either. In the process of dealing with many representatives they had mistakenly issued me another card XXXX XXXX XXXX, they sent me another letter with the last XXXX of the card XXXX. The other card they have on file is XXXX.