23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX- Did a payment of {$15000.00} to my edfinancial account. It lowered the balance of one of my four loans. 

XX/XX/XXXX- heard the loan forgiveness program was passed by XXXX. As a pell grant applicant, I would be approved for up to {$20000.00}. Later on, I read that I could ask for a refund on the amount I paid. 

XX/XX/XXXX - XXXX Called to ask for a refund on a payment done. The representative let me know that they will start processing the refund, but thousands of people have applied for refunds so it can be over a year for it to get processed. If I wanted to cancel my refund request, I could do so at anytime. I asked if at least the amount would be updated on my edfinancial account so that I can apply for the loan forgiveness program. He let me know that this would happen at the same time I get the refund. He told me to not apply for the loan forgiveness program until after I get the amount updated on my account. I thanked him and hanged up. 

Later on that day, I realized I didnt get an email notification or anything that stated that I started this refund process. 

XX/XX/XXXX - XXXXXXXX XXXX I called back to ask for a confirmation number or if I could receive an email. The representative let me know that Edfinancial does not do that, but instead, it is noted for them in my profile and I can call back next month to check on the status, but that they dont know what the refund timeline would be. She let me know that the last day to apply for the loan forgiveness program is XX/XX/XXXX so to hope and pray it gets resolved before then. 

I have been told that to get refunded or my account updated, it will take well over a year, but that I cant receive anything in writing. However, I am more than welcomed to cancel my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have been a member with XXXX for 2 years. I recently had a mix-up with them regarding a late payment that I contacted them to resolve. In XXXX of 2022 I got a notification from a credit monitoring service that I was on the verge of having a late payment with my card ending in XXXX. This was highly unlikely as all of my credit cards are on automatic payments. I quickly reached out to the company and spoke to a representative that told me that I didn't have auto payment on that card and that it had reverted to a new account that had been opened. I was confused because I had never opened a second credit card and never applied for XXXX. The representative helped me close the account and reinstitute my auto pay assuring me that the late was just a warning and would not get a late payment since I had taken care of the payment already. I asked them multiple times to ensure that I was in fact not going to have a late show up on my credit report and A few days later I did in fact get a late payment reported on my credit report so I reached back out to XXXX for help and they started an inquiry and according to their findings didn't see anything wrong. I believe that not only did they open an account without my knowledge they also lied and told me that this would be resolved because of a mix up in their system. 

But in accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name # 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: 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. 

Account Name 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: Debt collection

Re : MiraMed Revenue Group. Account Reference # : XXXX and any other one of my accounts with MiraMed Revenue Group. 

First, MiraMed Revenue Group ( thereafter " MiraMed '' ) has continuously violated my rights under the FDCA by illegally harassing me ( by calling me before XXXX XXXX. or after XXXX XXXX., calling me during unreasonable hours when I have repeatedly asked MiraMed to stop doing so, making my phone ring for long periods of time ) and my family; and failing to respect my privacy. MiraMed alleges that I owe debt it wishes to collect. I have repeatedly requested that MiraMed send me an itemized list detailing all such debt and stating with detail and specificity what exactly each itemized charge pertained to. MiraMed has repeatedly refused to do so. Without such an itemized, detailed and specific list, it is impossible to verify MiraMed 's allegations as to the alleged debt. Thus, MiraMeds billing as to the alleged debt is intentionally misleading, in violation of the Fair Debt Collection Act ( FDCA ). Furthermore, I have repeatedly informed MiraMed that the hospital ( XXXX XXXX  ) to whom MiraMed alleges I owe debt has illegally billed me, by virtue of discriminating against me with respect to other similarly situated patients by not granting me the same financial aid it grants to indigent individuals such as myself. The hospital  unjustifiably denied me the same financial benefits it grants to other similarly patients, thus violating its duty to only charge patients in good faith.
Product: Mortgage

My husband and I bought a home from XXXX XXXX XXXX in XXXX of 2023. We had worked hard with the help of their salesperson to make sure we could put the house on my parents land, including both myself and the salesperson calling the county to make sure there were no issues or restrictions to put the house on the land. The salesperson constantly assured us that everything was perfectly fine moving forward and as part of the sale paperwork, we signed a document saying the salesperson had not helped us with land issues or deed issues, even though we have plenty of text messages showing otherwise, we didnt think it was a problem. The day after the house was delivered we were told by my parents neighbors that there was a single restriction from the oldest land deed stating no mobile homes shall be permitted on the land and that even though it is not stated on my parents property deed that it carries down and is still a valid restriction. After informing XXXX XXXX of the situation they continued to urge us to finish drilling and setting up utilities and that everything was fine because the neighbors cant actually do anything because its not a mobile home, its a manufactured home. Despite XXXX XXXX urges to continue from both the manager and the salesperson, we put a hold on eveything and decided to talk to a lawyer to see what we could do as we had heard that they neighbors were possibly willing to go to court to have the house removed since it was in violation of the property deed. After talking to a lawyer, it was discovered that yes the restriction is still valid even though the argument would be on the definition of mobile home and whether or not our house would be counted as XXXX by definition or not and if therefore could stay, but since the deed and wording is undefined and unclear that it was a grey area with no clear win. Instead, it was suggested we talk to the bank who financed our loan, CountryPlace Mortgage, and XXXX XXXX about cancelling the loan or having them resell the house to get it out of our hands. XXXX XXXX had all but washed their hands of us and refused to help us and give us any information, continuing to tell us that we should continue working towards moving in and that the neighbors were just trying to scare us, despite sharing the deed information with them as well as what the lawyer had said. We attempted to talk to the vice president of XXXX XXXX XXXX XXXX but he would only say he cant do anything and to continue talking with General Manager XXXX from the XXXX XXXX location we had bought from. Country Place Mortgage has also been unhelpful when providing resources and information during this process, refusing forebearance and not offering information on short sale or even resources for how we can get help for the hole my family is now in. My husband and I are not only paying mortgage on a house that has no utilities and can not be lived in but apartment rent as well and it seems that no one is willing to help us.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$430.00XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$26000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered an account from 'XXXX XXXX on my credit report at least 4-5 years ago. I have been disputing it ever since I first saw it on my credit report. I never opened the account and I do not know who opened the account. Idid not give anyone permission to open an account in my name or with any of my personal information. 

I have contacted all three credit bureaus and filed a complaint of fraud and I have reached out to "XXXX XXXX" several times by alerting them of the identity theft. All of my attempts to resolve the issue has not been successful. The only removal off the credit report was done by XXXX. XXXX sent me a letter that indicates the debt was removed The debt is reported as " XXXX XXXX" original creditor XXXX XXXX. I have a PDF of the police report which is submit with the other dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is the follow inquires that I did not authorize XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX Experian XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX NA Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

I am writing to dispute outdated addresses that appear on my credit report. Upon reviewing my report, I noticed that there are addresses listed that are no longer current and are affecting the accuracy of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

A couple of years ago I installed Solar Panels on my roof in an attempt to save money. But that has become a nightmare. To begin with, make a long store shorter, XXXX XXXX. the company I signed the project with set me up on a LOAN that I did NOT know about it. The salesperson from that company ( XXXX ) put some Loan paperwork among the papers I had to sign but had never told me that I was signing a loan agreement. When I contracted the solar company, I had in mind that was going to continue paying my electric bill to a new company XXXX XXXX. He did NOT tell me that I was getting a LOAN! 
The charges started to come and I was very upset about it. But could NOT do anything more, I signed the documents and did NOT read them as I was so sure that I wanted to get solar on my roof. 
But lately, Solar Mosaic ( The Loan Company ) has found a way to extra-charge me every other month. I have been making payments from the same bank account since day one. The ROUTER number has always been the same as well. I schedule my payments usually a week before the due date. But every other month the payment does NOT go through. I have called in regarding that matter and sometimes they said the ROUTER number was wrong, and other times they said there was NOT enough found in the account ( All XXXX ). I DO NOT PAY my bills late, just look at my credit history ( rate ). The worst part is that they're generating fees for late payments when I KNOW that the payment was NOT late, and I know that the payment was NOT processed as I have checked with my Bank every time that that happened and they could find an attempt to process any payment from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Name : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX Accounts : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was 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. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these items are inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently disputed two XXXX XXXX XXXX, XXXX accounts that the same company had contacted me to fill out the information required to prove that these two accounts were and have never been mine. I had also included a letter explaining what has happened within the prior years of these debts occurring. I do not know what XXXX XXXX XXXX. did with my paperwork but Experian contacted me letting me know once again that these two accounts were VERIFIED ACCURATE. Experian does not have any phone number available for a person to call and talk to someone about any concerns. They only have automated phone messages. 
I just sent copies of the letters I sent to XXXX XXXX XXXX along with my dispute to Experian to see why once again they continue to leave these accounts on my credit file. The accounts were fraudulent many years ago. I also have requested that they are blocked from my report. I am very tired of disputing accounts that aren't mine regardless of XXXX XXXX XXXX sending me copies of statements from the original company debtor. These statements mean nothing to me when I wasn't the one who created the debt. Actually, they prove nothing but balances owed on accounts. Experian seems to continue appeasing this collection company by stating that the debts are valid instead of listening to ME! I also was told that if I disagreed with the results of the dispute I could write XXXX words about my side of the story on why I disagree with the results. There is nowhere on the site that allows me to do so. I am adamant about getting these false charges off my report and I am not receiving the assistance I need to help me get this done!!! If you look at my disputes from the past, I have continually fought these two debts being false. When is someone going to listen to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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: Credit card or prepaid card

Wells Fargo sent me personalized marketing offering a 12 month 0 % interest promotional period for opening a XXXX XXXX XXXX credit card. As an existing Wells Fargo credit card customer, they have the right to use my customer information to market to me. 

I applied for the card at the end of XXXX and finally received my card on XX/XX/XXXX. I spoke to Wells Fargo representatives about the account on XX/XX/XXXX, and then several times after that when I was surprised to see that I had a minimum payment due. Previous experiences with Wells Fargo and XXXX credit cards did not have minimum payments due during promotional periods. They told me this one did. 

On XX/XX/XXXX I saw an interest charge when reviewing my online statement. I contacted the company to correct the error, as I was within the 12 month promotional period. I was told that because I had opened a Wells Fargo XXXX Visa in XX/XX/XXXX, I was ineligible for a promotional rate. 

Wells Fargo had ample opportunity to notify me of this during any of several previous calls about this account. Further, Wells Fargo should not have marketed to me offering a 0 % promotional rate if I was ineligible. Further still, I believe that opening a card on XX/XX/XXXX is more than 12 months away from the second open date of XX/XX/XXXX. 

This was deceptive and deprived me of the ability to manage my finances. I can not close this card without repercussions to my credit. I can not open another card with a different provider without repercussions to my credit. I have been choosing to save heavily rather than pay off balances, because I thought I had a 0 % line of credit, which caused me to incur interest charges I could have avoided. 

This is deceptive and a " bait and switch '' advertising tactic. Wells Fargo made no reasonable effort to notify me of this ridiculous rule ( which I did not experience with XXXX or other providers ) and hid it in the " fine print ''.
Product: Credit reporting or other personal consumer reports

Today, I am following up on a previous complaint to highlight my ongoing issue of being a victim of fraudulent activity. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are mandated to delete any entries noted on an identity theft report, reference number XXXX. Enclosed, please find the necessary documentation aimed at facilitating the removal of inaccurate personal information and inquiries mistakenly recorded on my credit report. Below are the specific items opened without my consent : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX -- XXXX -- -- XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OR XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Per Section 605B ( a ) of the FCRA, Credit Reporting Agencies must expunge any consumer file entries identified by the consumer as arising from purported fraudulent activities within 4 business days of receiving such notification.
Product: Checking or savings account

I must have been in an account with this bank some time ago with an old employer. Possibly a retirement account. I have a record of a number. Wells Fargo retirement services. Trust number : XXXX They sent me a very small check. we misplaced it and when we found it and went to cash it we were told it was too old. It seemed to have been a check for {$3.00}. A tiny bit of money but i was entitled to it. They never sent another check but they had to know I never cashed it. It was dated. XX/XX/18. Because it was so inconsequental we just didn't bother calling but why should they keep my money? My wife tried to call once but of course they would not speak with her. There was something else as well. A small distributtion of {$2.00}. Not sure if I got that either. 

The check previously mentioned became old and mangeled and we threw it out but after we took down all pertinent info on it to save. This check and anything else I may have been entitled to needs to be reissued. Why did I have to chase after this?? why wasn't another one sent?