23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loan servicer is MOHELA. I was automatically enrolled in the XXXX program. Then I consolidated before the XXXX deadline of XX/XX/year>. After consolidation, my loans were put in the standard repayment plan, with no notice to me. Under the standard repayment plan, I am not eligible to receive cancelation benefits from XXXX. I resubmitted an application for the XXXX program and have not received any information about whether or not I can be put back on that plan.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX XXXX. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been XXXX XXXX XXXX, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money a from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a fraudulent account. XXXX XXXX XXXX collection through Experian. I submitted police report utility bill indicating documentation proving this account was open up in my name without consent or knowledge. I contacted the collection agency with my social security number ID police report and utility bill and this company advised they would send me a affidavit to sign which they have failed to send I have been waiting since XX/XX/XXXX for the affidavit. 

This account is incomplete and unverifiable. How do you verify account when I have documentation indicating identity theft what was your method of verification? Experian is reporting incomplete and unverifiable information to my credit report which is negativity effecting my credit report.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

My email to XXXX XXXX NMLS # XXXX branch manager on XXXX and XXXX in XXXX XXXX, CA XXXX XXXX XXXX XXXX  CA XXXX I opened this account in your branch in XX/XX/2018. 
( Acct # XXXX XXXX XXXX XXXX ) That month, I overdrew my account {$8.00}. I was unaware of this overdraft and was charged an overdraft fees of the following : {$36.00} on XX/XX/ 2018 {$36.00} on XX/XX/2018 {$25.00} on XX/XX/XXXX This left my ending balance - {$100.00} for the month of XX/XX/2018. 
XXXX continues the charges in the following : {$25.00} on XX/XX/ 2018 {$25.00} on XXXX XXXX 2018 {$25.00} on XX/XX/ 2018 {$25.00} on XX/XX/ 2018 {$25.00} on XX/XX/ 2018 Bringing my balance to $ XXXX I called several times to see if any of these fees could be reversed and was immediately treated rudely and told " no ''. 

The account was then closed in XXXX and another {$30.00} fee was tacked on. Bringing my ending balance to - {$260.00}. 

I came to US Bank because I thought they didn't partake in the incessant fee charging of their customers. I admit fault in over-drafting {$8.00} and agree to paying a single fee for that. 

It has now been brought to my attention that I am in XXXX XXXX  for {$260.00} for a {$8.00} error. I am hoping you can do something to rectify the situation and request my removal from XXXX XXXX. 

Please get back to me at your convenience by replying to this email due to the fact that during working hours I am unable to answer the phone. 

Thank you for your consideration in this matter -- XXXX XXXX XXXX XXXX -
Product: Student loan

I have applied for the TPSLF since I first learned about it in XXXX. At that point I completed all employment verification forms and submitted my application. I continued to send in employment verification forms once XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX It took months for everything to be approved and processed ( by XXXX ). I was grateful to have received a letter on XX/XX/XXXX notifying me of loan forgiveness and received a refund ( which totaled 9 payments ) with a " pay off '' date of XXXX I realized that there were at least 9-10 payments that were not accounted for. I have made many attempts ( via live-chat, email, website, phone ) to request a reconsideration for the payment counts through both XXXX and FSA. I only received responses of " congratulations, your loans have been forgiven '' and not one indicated that my request would be granted. Case numbers have been sent to me via email ; however, only two of them show up in my portal and both are " closed '' without an explanation. I have even submitted complaints on their websites and requested my complaint be escalated to speak with an Ombudsman. I never received confirmation or communication. I finally was able to speak with a live person on a " Call Back Request '' was made on XX/XX/XXXX and was given a case number. He kindly told me that there was a note on my account of " payment under review '' but that was it. He also told me that an Ombudsman representative would call me between XXXX XXXX XXXX and if I didn't answer the call, that I would miss my chance to speak with an Ombudsman because they don't leave messages or call back numbers. I waited and made sure that I was available to receive a call ; however, I never received a call or any other further communication. Through other resources, I learned that once an Ombudsman case is open, then I could call a number or email ( XXXX ) and if an Ombudsman doesn't provide assistance to email XXXX XXXX XXXX I didn't reach out to them because I never receive a call and therefore was never given an " open case '' and I can't say that an Ombudsman didn't provide assistance because I can not seem to get in touch with one, nor has FSA ever responded to my multiple requests within the past year.
Product: Debt collection

I am requesting an immediate deletion of a DEROGATORY PUBLIC RECORD OR COLLECTION FILED note in my credit report. XXXX XXXX XXXX XXXX ( of XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX ) is failing to acknowledge that the debt that they are trying to collect on behalf of XXXX XXXX XXXX XXXX XXXX ( of XXXX XXXX XXXX XXXX XXXX NC XXXX ) is inaccurate and that they should not have placed it into collection and reported to XXXX. 
I have repeatedly informed them and their client ( the XXXX XXXX office ) that the Insurance ( XXXX ) indicated by a letter ( see attached ) that the XXXX XXXX office failed to verify the eligibility of my son for the treatment. I also acknowledged that I failed to do the same and accordingly offered to pay half the amount. 

The XXXX XXXX  office should have acknowledged their mistake in handling the insurance eligibility verification and should not have sent the account into collections when I had offered to resolve the issue by offering to pay for my portion of the mistake. The collection agency - XXXX XXXX XXXX - should do a better job in verifying the accuracy of the claims before reporting to credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report.I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 

I ask that the items be deleted to correct my credit report. Fraududlent accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX ( original creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX : XXXX ( original creditor XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. XXXX {$7700.00}, XXXX $ XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX {$5200.00}, XXXX XXXX {$4000.00}, XXXX {$2000.00}, XXXX  XXXX {$450.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair
Product: Credit reporting or other personal consumer reports

I filed bankruptcy and the company XXXX XXXX has reported me as late I had no late payments prior to filing they admitted to a mistake. I disputed again after the admitted to a mistake and a comment was make that all info is correct. It is not. My lawyer has contacted them 3 times at least. This has caused my credit score to drop XXXX points. I am trying to rebuild my credit after bankruptcy and they are ruining it!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Over the past 6 months have contacted TJMaxx credit card multiple times to resolve under payment on billing statement. Reset online bill payment and billing cycle as was told this would resolve the problem but has not. Account has been set to pay STATEMENT balance prior to due date but continues to only draft minimum payment therefore leaving an ongoing balance subject to interest & fees. Want the balance of {$75.00} balance waived and card closed immediately as this is clearly a deceptive practice and isnt being resolved by TJ Maxx. Have statements and online bill pay history if needed as evidence.
Product: Credit card or prepaid card

While in the process of getting a loan to purchase a house, I was informed that I have a Chase credit card on my name, which is in delinquency and I was reported in the credit bureau. I never opened such card or had any knowledge about it. I called Chase to find out more information. They told me that they were going to assign the case to a fraud investigator and they were canceling the account. It was clear in that conversation that the card was not opened by me and it could be identity theft. I was told that I would receive some paperwork by mail in max 7 days in order for me to sign and return and they will continue with the investigation. Upon my request, a supervisor was able to tell me that they will send a written communication by was stating that the account was closed and an investigation was being started. Almost a month had past and I have not received anything. I called again and asked for some proof of cancellation and the initiation of the investigation. I need that so I can provide it to the Bank where I am processing the loan for my home. I had to speak with many people again, explained the situation. I was transfer to a messaging service of the investigator assigned which is on leave for three weeks and you can not even leave messages. Called again and asked CHASE again for a communication in writing about the status, that the card has been canceled/closed and the investigation is in process. After almost two hours and transfer to many people and departments, they say they can not provide anything. They even said this time that no information is being sent by mail or fax. My credit is affected and I am only requesting a letter stating the status of the account. Nobody in CHASE take responsibility of informing a customer in writing the status of the situation.
Product: Checking or savings account

On XX/XX/2019 I had disputed an amount {$1300.00} with Bank of America because a vendor did not deliver the furniture for which I had already paid. On XX/XX/2019 Bank of America closed the claim stating that my dispute is improper because I signed the credit card receipt when I paid. I repeatedly told Bank of America that it was a deposit and not a signature for the receipt of the furniture. They did not allow me to submit any supporting documentation online. When I mailed the documents they said that they can not read it. I called the Vendor 's bank and they said that they will work with Bank of America but apparently Bank of America never submitted my supporting documents to the vendor 's bank. I called Bank of America 8 times but they refused to look at the evidence. When I complained to their customer service they called me saying that they will not allow me to submit any documentation online but provided no reason for it. There is no evidence of me receiving the furniture but Bank of America does not want to help. 

I am attaching the letter and supporting documents ( along with their detailed descriptions ) that I had sent to Bank of America when they refused my claim the first time.
Product: Credit card

I purchased a carpet from XXXX XXXX and they set me up with financing via Synchrony bank to have 12 months same as cash. I depend on their paper statements to help me keep track of the promotion period and when it expires. The bank stopped sending me paper statements in XX/XX/XXXX. I logged into in XX/XX/XXXX to see when my promotion period was going to end to make sure I didn't incur the back interest charges. my balance on XX/XX/XXXX was {$4100.00}. I have six months left on my promotion period. I setup bank XXXX XXXX of {$690.00} for 6 months and made those without issues. In XX/XX/XXXX XXXX charges me back interest of {$1500.00}. I have already paid the balance off but they said my balance was not paid off because of a small interest balance and they charged me the back interest. I am really upset at how they treated me. I believe they were dishonest and I want a refund of the back interest. Please help me.
Product: Checking or savings account

PNC CONTINUES TO IGNORE THE FACT THAT THEY HAVE DONE WRONG IN MULTIPLE WAYS TO HELP ME SOLVE AND MAINTAIN MY ACCT.AND IGNORE ME AS WELL THE PEOPLE OF PNC HAVE WENT AS FAR AS TO CUT ME OFF OR TELL ME WHAT I WANT TO HEAR 100 % ASTO HANDLE MY DISPUTES WITH NO SENSE OF CARE ALSO DOWN TO ABSOLUTELY FROM SOME NOTHING AT ALL WHEN IN THEIR SO CALLED POLICYS TIME IS OF THE ESSENCE ALSO IGNORING ONE OF THEIR SUPPOSEDLY BENEFITS WITH THE ONLINE BANKING WAS WITH THE VIRTUAL WALLET NO FRAUD WHICH I FEEL WAS SHOVED DOWN MY THROAT NO OTHER OPTIONS GIVEN TO LET PEOPLE ROB ME BLIND WHILE THEY ALSO MAKE MONEY OFF MINE .IFEEL THAT XXXX DOLLARS TO BE TAKEN FROM THEM. NOT ME OVER A PERIOD OF TIME THAT IN NO WAY DO THEY REPRESENT ON MY BEHALF THE DEFINITION OF A BANK AS WELL TO A LOT IM SURE OF A LOT OF OTHER CONSUMERS IM SURE AND IN ANY WAY POSSIBLY PRACTICE THEIR MISSION STATEMENT TO ANY DEGREE THAT IS PRINTED
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my car loan in advance. {$3000.00} XX/XX/XXXX, {$2900.00} XX/XX/XXXX, {$2500.00} XX/XX/XXXX. They agreed to take payments out of this balance until the loan was satisfied or until the balance was exhausted from XXXX. They correctly applied the payments like we had agreed upon for XXXX. Without any contact with me they failed to apply funds from the remaining balance of the lump some payment from XXXX. XX/XX/XXXX I notified them that there was a derogatory mark on my credit stating the payment had not been made. I called when I noticed the payments had not applied from the money I paid in XXXX then they started applying the payments again with no additional money being paid in XXXX. This has impacted me in getting a new car and the payments never should have stopped being applied. They have agreed on several occasions that the derogatory payment should be removed as the error was on Exeters side not mine, but every time its disputed they say the info is correct. How can it be correct if they had my money and it just wasnt applied to the loan for XXXX and XX/XX/XXXX then resumed applying the payments as agreed upon until the loan was paid off in XX/XX/XXXX. Ive had multiple conversation with XXXX employees as well as supervisors over the past 12 months and have been unable to get the incorrect derogatory marks removed from my credit. At this point the derogatory marks are still there and I believe XXXX is no longer acting in good faith to correct their errors that on multiple occasions they have admitted is their fault. Im requesting that the false derogatory information for XXXX and XXXX be removed from my credit. I have provided a copy of XXXX statement that collaborates this information
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$510.00}. 
I am a victim of identity theft and I never opened this account. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXXXXXX XXXX XXXX XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry.
Product: Credit reporting or other personal consumer reports

Closing complaints without having addressed the problem is absurd but par for the course when it comes to the fraudulent criminal company
Product: Credit card or prepaid card

I put down a deposit for a moving company on my credit card. I was assured the deposit was fully refundable. I tried to contact them to cancel my move with them. They called and left me a voicemail and the number they said to call them back at was a non-working number. I emailed them and got no response back. I disputed the charge with my credit card company and they issued a credit. The moving company replied with a letter with incorrect information saying that they came to pick up my belongings XX/XX/XXXX, but I am still in my apartment and my move date was for XX/XX/XXXX. Chase then rebilled me saying it was a valid charge. I contacted chase that these were fraudulent claims and they said there was nothing more that they could do. The moving company will not give me my money back and is not moving my things and chase is not refunding me. I have documentation of the emails and the contract I signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to dispute this company off my credit report because I had insurance on the loan if I lost my job it would be covered. This was what was explained to me by the Loan officer. They closed my account back in XXXX. They have done hard pulls on my credit report after the loan was closed causing my score to drop and they just reopened the charged off account and adding fees showing that I now have late payments as of XX/XX/XXXX. They are trying to re-age my account, which is illegal, and I have NOT spoken with them since the beginning of XXXX and it was about the unemployment insurance to cover the loan, not any payments.