23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been trying to get my student loan forgiveness refund for the payments I made during COVID. My loan servicer was originally granite state management and so I contacted them. They told me they no longer provide those types of loans and transferred my data over to XXXX. I attempted to access my payment history with edfinancial but didnt have an account. I attempted to make an account and wasnt allowed. I called and they told me that because my loans were completely paid, i couldnt make an account myself and they had to restore my data or something to that extent and they had to make my account on their end. I tried requesting my refund and having them make my account. They took my information. I kept asking them for some type of proof that they are working on it and all they can say is I can call on the phone but they cant show me proof. I have called again and emailed to ask about the process of making my account and they have said by phone that they dont have a timeline and they have said by email that they cant give me information because they cant verify me.
Product: Mortgage

On XXXX I sent Loan Depot my Ca.Fair Plan and XXXX home owner insurance polices to be included in my escrow account which they received .At closing I believed this to be included in my monthly mortgage payment of $ XXXX paying mortgage one month I received bill from Ca Fair Plan for {$1700.00} which I had to pay or it would expire, contacted Loan Depot, no response .I am now stuck paying an extra {$140.00} per month because of Loan Depots incompetence. I believed I should be compensated for there mistake. This seems unethical that I should be stuck paying because of there oversite .They had all documents ( I just checked ) and failed to add to escrow account.Yes there service was very poor throughout whole process but my main problem is I'm paying for their mistake
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX debt XXXX, which falls under XXXX XXXX according to XXXX XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX XXXX Bal. {$400.00} ; XXXX XXXX XXXX XXXX Bal. {$300.00} ; XXXX XXXX XXXX  Bal. {$11000.00} ; XXXX XXXX XXXX  Bal. {$180.00}
Product: Mortgage

I accepted a Covid related Forbearance and when I tried to end the forbearance Flagstar has been extremely difficult to deal with and their behaviors are almost identical to the ones described in the action taken against Flagstar in XX/XX/2014by the CFPB where they were fined XXXX XXXX dollars. They have given me the run around on my loss mitigation application, given me mixed messages, not returned many calls, repeatedly informed me documents were missing which were not missing or needed new steps taken that were not previously requested such as circling numbers on a bank statement, signing documents in the margins, not believing me that electronically uploaded documents had " wet '' signatures, asking me to remove my wages from the application with no clear explanation for doing so, changing my status to unemployment without my request and incorrectly, closing the file and making me start over etc. eventually 6 months later they offered me a " trial plan '' and told me my only options were to pay the sum in full or take a refinance/loan modification that would add ten years to my loan. They refused to speak to my lawyer repeatedly saying they couldn't find the power of attorney document I had submitted or leaving him on hold and disconnecting the call. They informed him he needed to submit an appeal document then no one reviewed the appeal or returned any requests to speak to him or myself about the appeal. As I write this I am also on hold with Flagstar for over 40 minutes for the 4th time in 8 days. I have requested the missed payments be deferred to the end of my loan repeatedly for 12 full months and been ignored or redirected to the loss mitigation process. I am now being told the loss mitigation process will not allow for a deferral and it is a different process if I want a deferral but they can't tell me how to know if I qualify for a deferral without cancelling the loss mitigation application so if I don't " qualify '' I would have to start over AGAIN. I have had to submit a total of 4-5 loss mitigation applications in the past 12 months. We also had two different things begin to happen right after we obtained a lawyer. They began sending someone to our house to check if we were living there repeatedly. They also suddenly " accidentally '' had my husband and my social security numbers leaked and our identities placed at risk. We have spent over a hundred hours and 80 plus phone calls as well as uploading dozens of documents repeatedly.
Product: Money transfer, virtual currency, or money service

The XXXX  department of labor uses a company called money network that inputs short term XXXX payments using their debit cards. I can not get the funds as the card was compromised and closed. Since XX/XX/2023 I have been trying to get resolved. Finally on XX/XX/XXXX I was told they ( money network ) will send me a check for the amount on the card. I called mid XXXX when no check was received. They keep telling me it should be received within ten business days. I have spent countless hours on hold. Each time they give a different date in XXXX. Today they just said 8 to 10 days from XX/XX/XXXX. They are obviously holding this money for some reason whether they dont have funds. I want my money and this company investigated for fraud. If you do a season reviews of complaints on this company you will see what Im writing about. Thank you.
Product: Credit reporting or other personal consumer reports

Uploaded Fraud Court Documents showing my Identity was stolen and items still on my credit report.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, Please allow this letter to be the explanation for my complaint : I pre-ordered some products with XXXX on XX/XX/XXXX. There are two orders which the amounts are {$190.00} and {$290.00}. The expected delivery date for both orders was XX/XX/XXXX ( see attached file for proof ). When I received the items, I was not satisfy with them, so I returned them on XX/XX/XXXX. XXXX emailed me to confirm receipt of the items back and promised to refund me within 5-7 days ( see attached file for proof ), however, I never see the refund for the {$190.00} order and was only partially refunded the amount of {$190.00} for the {$290.00} order. 
Therefore, I contacted Capital One on XX/XX/XXXX to open disputes regarding these two transactions, submitted documentations through the link they emailed me. The dispute case number for the {$190.00} order is XXXX and the case number for the {$290.00} order is XXXX. 
On XX/XX/XXXX, Capital One responded me with a letter saying they have 60 days since receiving the statement that shows the disputed charge to reverse a charge on my account. 
According to the Fair Credit Billing Act, I believe my cases are still within the timeframe for dispute to be open within 60-120 days from the order date or delivery date ( whichever comes after ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting the credit bureaus XXXX, XXXX and Transunion to remove outdated accounts from my report now for over 12 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Delaware. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Product: Credit reporting

I have disputed the following tax liens with Experian multiple times. Despite my best efforts they refuse to remove the negative accounts. The results of the investigation are that the accounts have been verified and to contact the furnisher of the information. I contacted XXXX XXXX XXXX court and they stated that they do not report to the bureaus. How can XXXX verify these accounts if the original furnisher does n't even report to them? The false reporting of these accounts is extremely damaging to my credit score and affecting my ability to obtain a mortgage. I would like them removed immediately. I have attached a copy of my credit reports reflecting the accounts in question. Below I have also listed them : XXXX XXXX XXXX XXXX : Tax Lien : XXXX Lien : XXXX Lien : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account on my credit report shows closed, delinquent, and derogatory. However, loan balance shows {$0.00} ; Monthly payment shows {$0.00}. Account was opened XX/XX/XXXX and shows closed as of XX/XX/XXXX. No other information is showing for this account.
Product: Checking or savings account

Wells Fargo took out of my account double and I couldn't use ATM card alot of times my account was taking off savings and I would use my card and it was XXXX making it embarrassing when money was there fraud would freeze my account having to step back in line for purchase
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of credit utilization by XXXX on my [ XXXX, Equifax, or XXXX ] consumer report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws. 

Upon reviewing my consumer report, I noticed that the line of credit I have with XXXX, specifically account number XXXX  - XXXX, is characterized as utilization. This reporting is illegal as it contravenes the stipulations of 15 USC 1681a 2 ( A ) ( i ), which clearly states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 

In my case, the utilization reported is an experience between myself and XXXX - XXXX. According to the law, such transactions or experiences should not be included in my consumer report. By reporting this utilization, XXXX has violated the FCRA 15 USC 1681a 2Ai. 

I have previously reached out to XXXX - XXXX  regarding this matter, but they have refused to comply with the penal codes stated by Congress in accordance with consumer law. Therefore, I am demanding that XXXX update my utilization to 5 % or below or delete all utilization from the aforementioned account within 10 calendar days of this notice. 

Failure to satisfactorily respond with the deletion of the above utilization will compel me to take legal actions against XXXX. I will be seeking remedies for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Violations of the Fair Credit Reporting Act 15 USC 1681, specifically for willful noncompliance as outlined in 616 [ 15 U.S.C. 1681n ]. 
Furthermore, any attempt to close this account in response to my demand for the removal of the utilization from my credit report will be considered an adverse action in violation of 15 USC section 1691.

I expect prompt action to correct these inaccuracies in my consumer report. Additionally, I request written confirmation of your compliance with this request and a revised copy of my credit report post the deletion or correction of the disputed information.

Thank you for your attention to this urgent matter. Please feel free to contact me for any further information or clarification needed.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result, several fraudulent accounts have been added to my credit report. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following fraudulent accounts and inquiries from my credit report.

Fraudulent Accounts : 1. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX. XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} XXXX. XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX  XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} XXXX. XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX. XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX. XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00}
Product: Credit reporting or other personal consumer reports

Fraudulent charges were made to these accounts : 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, credit repair services, or other personal consumer reports

Transunion is allowing fraudulent accounts to be placed on my credit file, these accounts are fraudulent and a result of identity theft. Transunion was notified this I spoke to a person name XXXX XXXX in the Fraud department which refused to block the fraudulent accounts, and refused to follow FCRA Law 603 ( B ) Which states a consumer of identity theft if providing a valid police report and advises the credit bureau this account is fraudulent has a right to have the account blocked. XXXX refused to block the account and refused to assist with the fraud on my file. First account is a XXXX XXXX which the company advised me was identity theft and that they have removed this account from my credit file and closed it however transunion refuses to remove the account and or block it. Second account is a XXXX XXXX  Line of Credit for a limit of {$6000.00} Which is also fraudulent opened on Unknown it says. Again this is fraudulent and opened by the thief who stole my identity, my drivers license, social security card and my email addresses. Lastly there is a account with a place called XXXX for {$1000.00} this account is fraudulent. I mentioned this to the rep he refused to assist. He did see my police report, and said that it doesn't meet his standards or criteria to be blocked. Apparently, He has a criteria in which he can choose to block fraudulent information or not. This is not acceptable. The accounts mentioned are FRAUDULENT OPENED FROM A THIEF. I am attaching my police report below, and want this rep investigated. He is creating fraudulent accounts on peoples profiles and then, advising he can't block the fraudulent accounts and refused to follow the law.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late and account is up to date. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX - XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me.

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Bank account or service

In 2014 I started an account with US Bank after being talked into it by a coworker, who said they were great. I started a checking and savings account with no bounce protection because I did n't want to spend money I did n't have in my account. However I was told by their employee about changing my protection to not have fees on the account by the mobile banking app. Just in case I ever was near over drafting, I went ahead and changed the overdraft protection in XX/XX/XXXX thinking I would be better protected but it changed my account type so much I got hit with XXXX {$36.00} charges. When calling customer service I was told I would need to speak to the rep that started my service ( who no longer works there ) and I told them this and they did n't care. I told my same story to a XXXX in management and she said I would have to ask the bank manager for reimbursement and if they had issues with that rep in the past then they would credit. If they did n't though, they would n't credit the fees. I was lied too by a rep and the bank refuses to do anything. I understand corporate policy, but you should take care of your customers too.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Kindly take immediate action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing me significant distress. I did not initiate or approve these accounts, and it is unjust for me to bear responsibility for them. I urge you to promptly address this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 have contacted XXXX and Southwest Recovery Services at least 10 times over last 3 months. There are 2 collection accounts on my report that are clearly not mine. The Collection company does not even have my social security number or name in their system. They said it was a file merge that 's how the account showed up on my file. They have contacted XXXX over and over to verify this is not my account and XXXX refuses to remove this account in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX financial account has two months reporting as late payments which they are not, my accounts are on autopay so these late payments are incorrect and need to be updated in my credit reports. The account is XXXX the months reflecting on my report are XX/XX/2021 and XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX I did not give permission for any of these companies to run an inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX credit/debit card # : XXXX is lost/stolen. All of the transactions are fraudulent and unauthorized.
Product: Payday loan, title loan, personal loan, or advance loan

I was approved for a {$700.00} loan and I am charged XXXX payments of {$180.00} which my ending payout about will be almost {$4000.00}. I am currently struggling to pay this amount XXXX due too being a XXXX  mom, having no extra income for assistance, and other bills that I can barely afford due to outstanding balance fees. Please help.
Product: Payday loan, title loan, or personal loan

Im not sure if my CFPB complaint is categorized properly. I applied for an extension of credit with Possible Finance. They denied my application even though I provided my social security number. This is an adverse action. It is illegal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX for Department of Education showing incorrect account information on credit bureau reports with Equifax, XXXX and XXXX. XXXX is know longer the servicer on the account and the current servicer of the Account is XXXX for the Department of Education and XXXX is the Servicer for Department of Education Loans.

Credit Reports with XXXX, Equifax and XXXX reflects the loan repayment status and payment due when the Department of Education has granted relief under the Student Defense forebearance.