23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

As part of temporary public student loan forgiveness ( tpslf ), loan companies are supposed to count qualifying payments on XXXX loans prior to consolidation and XXXX forgiveness when XXXX qualifying payments are reached. I consolidated to XXXX loans in XXXX and applied for XXXX in XXXX of XXXX. My qualifying payment count under the waiver updated in XXXX of XXXX but only includes payments on XXXX loans back to XXXX despite paying on these loans without interruption since XXXX. I began the process to try to correct this last XX/XX/XXXX. I contacted MOHELA, my new loan servicer and was told I needed to wait for updates for counts to include all eligible waiver payments. When nothing updated after 4 months, I contacted them a second time on XX/XX/XXXX of XXXX. I was told they would reprocess my tpslf application but it would take another XXXX business days to get counts accurate. I contacted the company again in XXXX of this year and was told I needed to wait the full 90 days, So after XXXX days when nothing happened, I contacted them again in XXXX and was told they werent sure why they didnt update or what happened, so they would count them again and I needed to wait another XXXX business days. I waited, contacted them in XXXX after XXXX business days, and still no update. Then I was told I needed to submit another form to get credit for my work during years XXXX. I did this, and my counts updated a little to XXXX, but this was never the issue. I should have over XXXX qualifying payments if they counted my payments to XXXX XXXX, which date back to XXXX. I have sent payment history that I received from XXXX  ( servicer of former XXXX loans ) to XXXX XXXX, I have uploaded it to the website, I have submitted a reconsideration request to XXXX, I have contacted MOHELA 5 times, and they still have not resolved my issue. I began this process of forgiveness almost XXXX years ago when I consolidated my loans in XXXX. I have waited through countless business days of reprocessing. This issue should be resolved by now.
Product: Credit card

I purchased a prepaid card a netspend card at the XXXX XXXX XXXX and when I got home it was not in the bag I have call each company many times I have the receipt is there any way you could help
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 6
16, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account.
Product: Mortgage

submitted an application for pre-approval and uploaded personal information as instructed and made necessary disclosures. Informed by loan officer that pre-approval could not be given.When asked why, loan officer alleged that pre-approvals are system generated and is not providing a pre-approval and that alternate option would be to submit information to underwriter. Received notice of incompleteness to provide a fully executed copy of the final purchase agreement and all addenda despite not receiving a pre-approval as requested to assess possible loan amount to offer. Submitted all supporting documents in absence of pre-approval requested despite 18 USC 8 covered security 12 USC 84 ( b ) ( XXXX ) and mortgage insurance to mitigate credit risk, Bank of America discriminated my right to extend credit, excessively delayed and evaded responding by phone or e-mail nor provided adverse action letter explained denial of credit. The company has take my identifying information and impacted negatively my credit score with 2 inquires and has discriminated my right of credit. 
Loan officer alleged that credit was denied for lack of credit history and implied authorized user accounts do not qualify, but refused to answer the following questions as regarding credit history requirements. 
How many, at minimum, non-authorized user trade lines am I to have open and for how long are they to have been open before I could qualify for a loan? 
Is this the credit history a definitive statutory requirement and where at law? 
If I obtain a purchase agreement where do I deposit it? 
It has been a month of delays and the company has denied online access to view loan status and loan officer will not communicate.
Product: Credit reporting or other personal consumer reports

I've never had an account with XXXX XXXX and the Bureaus refuse to delete this account. XXXX XXXX  provided a letter that doesn't validate that I've had an account with them. I've tried to contact XXXX in regards to this account and they continue to report to my credit report. I've never had a credit card with XXXX and yet they are reporting on my credit report. This accounts is reporting information which varies from bureau to bureau so that in and of itself proves that this account is reporting inaccurately and also for some of them. I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act. 
I demand a re-investigation and deletion of this account and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, I'm going to assume that 30 days constitutes more than enough " Reasonable Time '' for the re-investigation and correction of my credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report remains incorrect due to incorrect reporting by the Lender  XXXX . We never closed the acct. Our reverse mortgage lender paid them by agreement disbursement. We only requested they remove the lien on the water conditioner. They stated " due to that they are required by  the Fair Debt Reporting Act ''   to file that way? That remains a negative on Experian, has handicapped our ability to finance our additional debt and placed us in significant financial harm. Experian report #  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

this is a resubmit with new information added so this is not treated as a dupIicate. they are saying they need more information on an account they are already reporting which makes no sense so i will attach A PAGE FROM MY CREDIT REPORT DIRECTLY. I have been dealing with a company reporting on my equifax credit report which has already been deleted last July for failure to validate however equifax has allowed them to continue to keep reporting even after deletion even doing so without proper notice per us code1681i I have asked on numerous occasions to mail me documents pertaining to this deletion for confirmation and for my records and I have not received such. And it has been over 60 days on when calling they force to sit on hold in hopes to get you to use the faulty online dispute system the company name in question is XXXX XXXX. XXXX  XXXX  is submitting invalid reporting Us code 1681 ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency
Product: Mortgage

Lakeview Loancare Servicing will not allow me to access my online account. they give me zero options for explaining the problem and both website and phone trees send me into continuous loops with no end point. I NEED financial data from my account. They insist i do so online but they have a broken authentication system and have in effect BLOCKED me from accessing my own data.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle several times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informer me recovering lost funds was impossible and tracking these transactions were unfeasible. The CFPBs findings indicate the Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns for consumers safety.
Product: Checking or savings account

Hello, I was on vacation in the city of XXXX, XXXX from XXXX24. I had XXXX unauthorized charges of {$190.00} on XX/XX/year>24 and {$160.00} on XX/XX/year>24 in XXXX XXXX. I was never in XXXX XXXX. I reported it to Wells Fargo Bank and the result of the investigation was that I authorized those charges, but it is impossible because I was not on vacation in XXXX XXXX, I was in XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on XXXX separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Product: Credit card or prepaid card

Dear Executive office ; How are you doing during this pandemic? I'm sure during this pandemic we all got affected tremendously, however, I was shocked and surprised to find out the late payments remark on XX/XX/2020 for 30 days. I found that when I was reviewing my credit and on my credit report between the 3 bureaus, it keeps showing different information. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated names ; XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ; Addresses ; XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX, CA XXXX are still listed under my personal information.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and saw a fraudulent hard inquiry from XXXX XXXX XXXX XXXX and need it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I complain to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged 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 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

XXXX XXXXs send me a bill for lab services XX/XX/2017 for $XXXX. I disputed the debt in writing (certified mail) and asked for proof of the claim. Instead of providing any details, XXXX referred me to the referring physician. I demanded proof (certified mail) of the claim from the referring physician. I received no response. I filed an Insurance Fraud Complaint with the State of Nevada, Office of the Attorney General. I assumed the matter was dropped as it has been more then a year. BUTTwo weeks I received a demand letter from Credit Collection Services, XXXX XXXX XXXX XXXX, MA XXXX for the exact same XXXX XXXX debt claim of $XXXX. Verbal discussions with the physicians front desk indicate this may be a fraudulent "insurance" claim between the physician, XXXX and the Insurance. They also claim to have no written authorization from me to order any laboratory services. I am not sure Credit Collection Services are aware that they may be involved with a fraudulent money scheme.
Product: Checking or savings account

I opened my checking account ( account number XXXX ) online using the promotion code XXXX from BOA advertisement. 
Link XXXX XXXX XXXX XXXXXXXX It has been almost half a year and I'm still not receiving my promotional {$200.00} bonus. In the term it stated that the {$200.00} should be deposited into my account within 60 days of meeting the requirements. I met the requirements of {$2000.00} direct deposit on XX/XX/XXXX and the promotional bonus should be deposited by XX/XX/XXXX, which is not there. I contacted Bank of America twice. The first time I was told that I should wait 60 days which apparently is not stated in the offer terms. The second time on XX/XX/XXXX I was told the offer code can not be even found and the customer representative redirected me to a branch and refused to connect me to her XXXX or escalate the case.
Product: Debt collection

A debt collector by the name of SYNERGETIC COMMUNICATIONS has furnished negative items on my XXXX credit profile without contacting me first via mail to try and settle the debt and has not sent proper documentation to verify the debt after i sent in my dispute letter to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my reading instructions
Product: Student loan

My federal loans are being forgiven. The private loans were taken out to cover the rest of the price of the school. Same school, same lender. The private loans should be in the same category since XXXX is getting sued for predatory loans, misleading students. Was lied to from Navient. They told me the school was a non profit, so it didn't qualify for forgiveness. They made millions that XXXX. These loans should qualify and need to be forgiven. The lying by Navient is unacceptable.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XX/XX/2019, {$1500.00} XXXX XXXX XXXX XXXX, XX/XX/2019, {$20000.00} XXXXXXXX XXXX, XX/XX/2019, {$5900.00} XXXXXXXX XXXX, XX/XX/2019, {$1300.00} im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ; I believe they are a credit reporting agency that is reporting on my credit report I sent two dispute letters requesting validation to the agency with no response. The first letter was mailed certified and signed for on XX/XX/2018 the letter stated you claim I owe {$720.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. I did not receive a response or validation. I sent a second letter certified that was also signed for on XX/XX/2018. 

This letter explained By not replying in a timely manner to my initial letter on XX/XX/2018 ; you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # 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: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Removal of Fraudulent Reinserted Accounts To Whom It May Concern, I am writing under the Fair Credit Reporting Act ( FCRA ) to dispute the reinsertion of fraudulent accounts into my credit report. These accounts were previously removed after being identified as the result of identity theft.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts information that was previously deleted, it is required to : 1. Notify me in writing within five ( 5 ) business days of the reinsertion.

2. Provide the certification from the data furnisher that substantiates the accuracy of the reinserted information. 

I have not received any such notification or supporting documentation regarding the legitimacy of the reinserted accounts. This failure to comply with the FCRA constitutes a violation of federal law. 

The following fraudulent account has been reinserted and must be permanently removed from my credit report : REINSERTED FRAUDULENT ACCOUNT : XXXXXXXX XXXX Account Number : XXXX The presence of this inaccurate information is causing significant harm to my credit profile and financial well-being. Furthermore, non-compliance with the FCRA exposes your agency to potential legal liability under 15 U.S.C. 1681n.

To support my claim, I am enclosing the following documentation : 1. FTC Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX I am formally requesting written confirmation that this reinserted account has been permanently deleted from my credit report. Additionally, I expect to receive an updated copy of my credit report reflecting this correction. Should this matter not be resolved promptly, I will pursue all legal remedies available to protect my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I routinely check my report, and this time, I was shocked to find unexplained discrepancies. I even refreshed my browser, hoping it was just an error, but the inquiry remained. This situation is extremely frustrating, and I demand that the documents I submitted be thoroughly reviewed so I can finally put this issue behind me.