23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for a Chase private student loan back in XXXX for {$10000.00}. After graduating a started paying for the loan and my payments were very flexible. At the moment, I could n't afford making higher payments so I was only paying around {$70.00} a month. Years later, I received notification from Chase saying that they were no longer going to service that loan, and that all student loans would be transferred to XXXX XXXX, and I had to make payments directly with them. It did n't mention when the transfer was going to happen, but they were just informing me about the future changes. I continue making my payments as normal through Chase website. I went through a hardship in XXXX of XXXX and was not able to make that month 's payment but I was ready to submit my 2 month payment in XXXX of XXXX when I realized Chase online payment system was no longer working - I logged in to my account at XXXX Success to see if the loans where already there and still did not see the loan in there. There was no option for me to submit my payment. I called Chase Private loans and they mentioned the transfer had happened and that they no longer serviced those loans, to please contact XXXX. I contacted XXXX and they told me the transfer of loans was currently happening and it would take a while to reflect in the new website. 
Days passed and got a letter from Chase telling me that I was in default of that specific loan, and provided a number for me to contact them and settle the situation. I called the number, gave them the account number, and they said they had no information at all about a defaulted loan, and advised me to contact XXXX to get more information. I called XXXX and got the same answer, there was no information on any defaulted loans. In XXXX of XXXX I got another letter in the mail from a different company name telling me they where going to take action against me. I called the number and they finally got my information on the defaulted loan and made me setup a 6 month payment plan of {$200.00} a month to cover the defaulted loan. Today, every 6 months I have to setup a new ACH with them to collect $ 200 monthly. 
I just found out about this agency and decided to contact you because I believe it was not my fault. I did miss one payment which I was ready to cover the following month, but because of their transfer of loans I was n't able to. Chase and XXXX did n't provide me any information about the defaulted loan until this other company contacted me threatening me to take action against me. Today, Im stuck paying a {$200.00} a month payment until the XXXX balance is covered. I will pay them everything back, but I wish to get my payments lowered as to what they were before this happened.
Product: Credit reporting or other personal consumer reports

Debt verification/validation letter was sent on XX/XX/year>. More than 30days no response.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : 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
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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: Checking or savings account

I have been stolen from by Wells Fargo 2 times this year. I deposited a check for {$630.00} in XXXX which they later took out saying i deposited it twice they took the money back out in XXXX and then i deposited a check for {$890.00} in XXXX that they again took out saying the same thing and took the money out in XXXX. Then said it was my fault that the money was taken. I want my money back. I then got screwed out of my son social security XXXX money because my account was over drawn because of them. I filed 2 claims and nothing was done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-husband and I filed for chapter  XXXX  bankruptcy in  XXXX   2013 . Capital One credit cards were apart of the bankruptcy. However, Capital One is still reported as a negative account and an open account on  XXXX  of the  XXXX  credi t reports.-    XXXX    and  XXXX  Additionally  ; my report shows payments as being late even though the accounts were included in the  bankruptcy. I filed dispute with all of the credit agencies regarding the fact I do not have an open Capital One card and about the negative Capital One card still showing up on my report with late payments being reported. The only success I had was the removal of the open Capital One account with  XXXX  agency which was  XXXX . However,  XXXX  still reports Capital One as a negative account citing they verified the account which means I can no longer dispute it. The other  XXXX  agencies,  XXXX  and  XXXX , still report an open Capital One account. I have called Capital One and they say I do not have any accounts with them! I am at my wits end!
Product: Credit reporting or other personal consumer reports

I'm dealing with a really tough situation that I want to explain in simple terms. 

First, I tried to open business accounts at different banks, but they all said no. They told me it's because of something called XXXX. This was a sign that something was wrong. 

Then, I applied for an account with XXXX XXXX XXXX XXXX. But here 's the problem : they never got back to me about my application. After waiting for a whole month, I decided to call them. They told me I already had an account with them. I told them I didn't make that account, but they didn't believe me. Now, it's been about two months, and they still haven't fixed it. They're saying it's a case of fraud, and I have to deal with a special process to sort it out. 

I checked my XXXX reports to learn more. It was frustrating to see that there were 3 or 4 different names listed, and they weren't spelled like my name at all. Some even seemed like girl names. Also, there were addresses I've never lived at, but they seemed to have a connection to my last name. 

I tried to fix this mess. I asked them to take out the wrong names and addresses from my records. I also made sure to lock my records so that no one else can mess with them. But now, I'm seeing more banks on my records that are close to where I live. I've never done any business with them, but they're saying things about me that aren't true. 

I reported the identity theft to the right people, and I even have a paper that proves it. But even after all that, I checked my credit report and saw things that didn't make sense. There were things listed that I didn't recognize, like addresses I've never been to. 

What's making me even more worried is that I'm seeing hard inquiries from places like XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. But I never asked these places for anything. It's making me anxious because it feels like someone is pretending to be me. 

So, I'm writing this letter to ask everyone who has the wrong info about me to fix it. I just want them to take off the things that aren't true. This whole situation is really tough for me, and I hope they can help me make it right. Thanks for listening.
Product: Credit reporting, credit repair services, 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. 

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 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 an 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, credit repair services, or other personal consumer reports

sent over ftc violations took off and put back on with notifying me the against my rights and a violations of the law .. Law saids they have 10 days to let me know
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been getting different information from FedLoan Servicing regarding the public service loan forgiveness ( PSLF ) program. There have been problems throughout the entire term of the loans with respect to how payments have been calculated, but I have been employed with a qualifying employer for well over 120 payments at this point. I called to inquire about how to submit for loan forgiveness. I was told that I would need to submit the PSLF Certification and Application form once to certify my continued employment and calculate qualifying payments, and then submit it again for the process of loan forgiveness. I submitted the application form ( as I have done annually for years ) on XX/XX/21 and had no response with regard to qualifying employment status or payment counts. When I called to follow up on this on XX/XX/21, I was told that because it was submitted via means other than the PSLF Help Tool that processing would likely be delayed, and could be given no time frame on when this would be reviewed. There was never any indication that one modality of submission would result in any difference in processing time. I still had no update through XX/XX/21 and contacted FedLoan Servicing again. At that time they suggested that it would be faster to resubmit the application through the PSLF Help Tool, which I have since done on XX/XX/21. I was also informed at that time that the form would only need to be submitted once, and that I would be automatically submitted for loan forgiveness if I had 120 qualifying payments on the loans. The inconsistency of information provided leads to confusion and increase potential for errors/further delays. I am also concerned that this could lead to a denial in loan forgiveness if submitted incorrectly. If payments resume in XXXX, this could translate to thousands of dollars in unnecessary costs to me due to delays and misinformation, which is unacceptable.
Product: Student loan

Today I received an email from MOHELA that I was being automatically placed on natural disaster forbearance. I am already on the SAVE plan which forgives interest and my payments are affordable. I have autopay set up. I did not ask for this forbearance and forbearance makes it so my interest is not being forgiven under SAVE anymore and being taken off this forbearance that I didn't ask for my interest will CAPITALIZE. I do not believe they should be allowed to do this?! They should not be able to place people on forbearance they didn't ask for if that means it will capitalize their interest. This is especially pertinent to people on the SAVE plan and seeking PSLF. Additionally, I can not get through to customer service! It took me like 10 minutes to navigate their phone tree and I was on hold for 40 minutes and then transferred to advanced help and my current wait time is an additional 88 minutes! This is absolutely unacceptable service!
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer service would n't take care of my matter remove inquiry from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID, I lost my employment. As soon as the CARES Act was created by the government, I applied to receive delayed payments in XXXX. XXXX XXXX XXXX approved of my application, and my mortgage payments were entered into forbearance guaranteed by the CARES Act. 

I was issued a ninety day forbearance. When that was about to expire, I called XXXX XXXX XXXX again in XXXX, and I was issued another ninety day forbearance period. My forbearance was guaranteed until XXXX. 

I sold my house on XX/XX/XXXX, while still under forbearance. Yet, my credit company notified me that my credit report now had a 90 day delinquent payment reported to them. 

I contacted XXXX XXXX XXXX to make them aware of this, but they refused to change it- despite the documentation that I have to prove that I was in forbearance under the CARES Act during the missed payments. 

I have settled the loan- paying it off in full prior to the expiration of my forbearance. Therefore, there were no delinquent payments, and I would like to have that removed from my credit report. 

Please see attachments for proof of my correspondence with XXXX XXXX XXXX, the payoff requests, the fact that I was in forbearance and any other pertinent information. Thank you.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Collection XXXX XXXX XXXX XXXX - Late Payment XXXX XXXX XXXXXXXX XXXX Payment XXXX XXXX XXXX XXXXXXXX Late Payment XXXX XXXX XXXX XXXX XXXX - Late Payment XXXX XXXX XXXX XXXX XXXX Payment
Product: Money transfer, virtual currency, or money service

I was sent a text from Wells Fargo saying that I needed to contact XXXX XXXX because I was being hacked by XXXX. I called the number provided ( XXXX ) and was told I was speaking to XXXX XXXX. He gave me a case number : XXXX. I was asked to download two apps. One is called XXXX the other is XXXX. I was told that a dummy account was being set up so that a couple of dummy transactions would occur to establish security. Four transactions were conducted and were shown to not affect my account. Then I was asked to do the same thing with a wire transfer of {$25000.00} to accomplish the same thing. I was instructed to call the bank immediately to tell them to make sure the wire transfer was completed. At this point I understood that this was fraudulent and contacted the bank immediately. The bank told me that wire was executed and could not be reversed. 

I am concerned that the bank did nothing to authenticate the wire transfer. I have never wired money before and I have never dealt with XXXX XXXX Bank. I contend that the bank is liable for not following a protocol to flag fraudulent transacti
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX  Date ofd Inquiry XX/XX/XXXX, XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX  XXXX Date ofd Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX  Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date ofd Inquiry XX/XX/XXXX, XXXX  XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX & XXXX Date ofd Inquiry XX/XX/XXXX
Product: Mortgage

RE : Wells Fargo Home Mortgage - failing to send most current loan statement after paying off Mortgage. 

My husband and I are both owners of our house, but the mortgage was in my husband 's name only. Unfortunately, my husband passed away at the end of XXXX. In order to keep the house, I managed to pay off his mortgage account with Wells Fargo Home Mortgage in XX/XX/XXXX. 

I have been requesting the final or the most current loan statement after paying off the mortgage several times, after receiving the required document ie.death certificate, Wells Fargo still refused to send the final loan statement. I went to their branches and wrote several letters about this matter, but Wells Fargo just advised that they could not supply a final loan statement to me for safekeeping. I am very disappointed with Wells Fargo 's way of treating its customers and really not impressed with their inefficiencies in handling this matter. The staff who handled the case just followed their procedures of sending me letters but do not actually doing anything to solve my problem. Again, I am very disappointed with this lender.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, a unauthorized transaction occurred on my Cash App account, account name $ XXXX. Specifically, a withdrawal in the amount of {$1000.00} was accomplished and another transaction of another {$1000.00} was attempted but I was able to cancel it. On the transaction that actually cleared, the funds went to " XXXX XXXX '' with a e-mail address of " XXXX ''. I immediately unlinked my XXXX  debit card from my Cash App account and then closed my Cash App account. I subsequently wrote Cash App to contest and complain about this unauthorized transaction but was told in a response that I needed to open a new Cash App account to do so. I then opened a new Cash App account, account name $ XXXX, and disputed the unauthorized transaction and then was subsequently told that since my original account was closed, they could not help me. I wrote them 3 more time seeking to resolve this issue with no success, and each time I received responses stating the same response. On my last communication, I specifically asked them to call me at my number of XXXX and they refused to do so. Each and every response received by them did not address the issue I was attempting to resolve with them.
Product: Debt collection

I received a bill in 2017 from XXXX XXXX XXXX XXXX XXXX Arkansas for XXXX XXXX, in the amount of {$110.00}. Her mother, my sister, took XXXX to the emergency room and used my ID to check her into the ER. XXXX was a ward of the state on visitation when she was taken to the E.R. My sister, her mother, is responsible for the bill or the State of Arkansas because she was their ward in foster care. I called XXXX XXXX XXXX and they never updated the account.
Product: Credit card or prepaid card

cfpb : recently moved to Hawaii and was told by XXXX that payment was past due, however when receiving bill from past due purchase, after paying for purchase, there was no indication where purchase was made?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy 2 years ago XXXX XXXX XXXX are calling from different types of numbers with the intent to disturb me. I already told them they were included in the bankruptcy.
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 : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> 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, credit repair services, or other personal consumer reports

I never made this inquiry, I never been or went to this place. 
Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NH XXXX Date : XX/XX/2021
Product: Debt collection

XXXX XXXX bill paid by the XXXX XXXX at 100 %, I paid {$150.00} deductible at the time of service. {$1500.00} was a discount by the insurance company. XXXX XXXX are billing me for this amount.
Product: Credit reporting or other personal consumer reports

I have contacted this company severally about this account. It was transferred to another account that I had with progressive and paid on time. The issue is with XXXX  and they are aware and resolved it on their end. However, my latest complaint resulted in the lm changing the dates on when the account was closed. They updated it to the date of the complaint. So not only have they refused to address the issue correctly. They changed the datesno. The account and made it current on my credit report, thus dropp6my credit by XXXX points. I dont n have faith in them fixing it if I reach out again and would appreciate any help this department can offer in resolving this situation