23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, I received a written request for annual recertification of income and family size indicating I must recertify by XX/XX/XXXX or be " redisclosed to a permanent standard plan. '' When attempting to do this according to the instructions, studentaid.gov would not allow me since I was already in a forbearance. On XX/XX/XXXX, I received an email indicating my account had been put in administrative forbearance between XXXX and XX/XX/XXXX. It is important to note that according to XXXX XXXX, my loans are still in a forbearance. I emailed MOHELA on XX/XX/XXXX, requesting additional information and why my recertification date was not extended. On XX/XX/XXXX, I spent about XXXX minutes on hold and spent another XXXX minutes requesting why my income recertification was not extended until XX/XX/XXXX. It is important to note that while on hold, MOHELAs automated messages indicated XXXX months past the payment pause would be XX/XX/XXXX numerous times. The representative was unwilling to listen despite me explaining the information on the Department of Education website. To prevent my student loan payments skyrocketing to almost {$2000.00}, I recertified my income which resulted in my payments increasing by {$450.00}. On XX/XX/XXXX, I filed a complaint with the department of Education who indicated I should receive an acknowledgement within 15 days. On XX/XX/XXXX, I received an acknowledgement indicating that I should receive a response within XXXX calendar days ( as of today, I have not received any response ). On XX/XX/XXXX, I filed a complaint with MOHELA about their deceptive practices for failure to follow Department of Education XXXX and trying to coerce borrowers in recertifying 12 month prior than they are required. On XX/XX/XXXX, MOHELA sent correspondence that my complaint could take 90 days to receive a response. On XX/XX/XXXX, I received written correspondence indicating my income recertification was approved and that my new payment would start on XX/XX/XXXX. At the bottom of this letter under annual recertification, it states : " The earliest you could be required to recertify is XXXX months after XX/XX/XXXX, when the payment pause ended. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by XXXX year. '' It is important to note that the letter also indicates I should received a billing statement at least 21 days before my due date. It was not received until today. 21 days from today is XX/XX/XXXX with a due date of XX/XX/XXXX. MOHELA has already failed to meet their obligations resulting in docking of payments due to this and still fails to continue to understand the requirements as set out by the Department of Education and it appears that they are deceptively trying to fraud individuals in recertifying sooner ( resulting in increased payments in most cases ) to help increase their income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit which I don't recognize. I have recently been working diligently to improve my credit and came upon unknown inquiries as well as fraudulent accounts. I have successfully achieved the removal of the fraudulent accounts but the credit bureaus have not been very cooperative with the removal of the inquiries. 
XX/XX/XXXXand Equifax all list the following inquiries which I am not responsible for : US SM BUS ADMIN ODA ( Federal Government ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Local Telephone Svcs Provider ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Local Telephone Svcs Provider ) Inquiry Date : XX/XX/XXXX XXXX ( Farm & Garden Supplies and Svcs ) Inquiry Date : XX/XX/XXXXXX/XX/XXXX ( Bank Credit Cards ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards ) Inquiry Date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX( Services ) Inquiry Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Miscellaneous ) Inquiry Date : XX/XX/XXXX XXXX XXXX ( Bank ) Inquiry Date : XX/XX/XXXX XXXX XXXX ( Bank ) Inquiry Date : XX/XX/XXXX XXXX ( Finance ) Inquiry Date : XX/XX/XXXX
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX called the collection company about the Amount of debt is {$180.00} I was left waiting for a long time then they hung up on me. 
I didn't know I owed anything I had no call or email or mail from XXXX The bill supposedly owed us from XXXX last year more than 4 months ago I don't know how this bill happened. 
I sm having to pay because it is too difficult too time consuming and hard to communicate with both companies XXXX XXXX XXXX  and collections TSI. 
I believe this problematic stalling on communication really be is a tactic to leave you with no choice but to pay instead of being able to talk to someone and explain it is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I filed my police report and have contacted the creditors and credit reporting agencies of the fraudulent accounts due to identity theft. I wish to have these accounts immediately removed
Product: Vehicle loan or lease

I have a loan with Credit Acceptance for an XXXX XXXX  XXXX and the interest rates are extremely high .... By the time I finish paying for the truck I would have paid double, even triple for what the truck is worth ... The car was priced at XXXX Ive had the car for a year and a half and I still owe XXXX on the vehicle.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against the 3 CRAs for failing to follow FCRA laws and protocols, reporting countless inaccuracies on my report and furnishing my private information on a public record! The accounts at the bottom are at question : XXXX : XXXX XXXX ; Account Number : XXXX XXXX XXXXXXXX ; Account Number : XXXX TransUnion : XXXX XXXX ; Account Number : XXXX XXXX XXXX ; Account Number : XXXX XXXX XXXX XXXX XXXX XXXX ; Account Number : XXXX XXXX : XXXX XXXX ; Account Number : XXXX XXXX XXXXXXXX ; Account Number : XXXX Also I have filed multiple disputes and have not received any documentation pertaining to my situation, which is also breaking Consumer Law Codes
Product: Credit reporting or other personal consumer reports

i was a victim of identity theft and i couldnt figure out how to get all the accounts submitted together. i finally figured out that you have to d it seperately. Please remove the accounts that were caused by fraud
Product: Checking or savings account

I had signed up with Citibank during their promotion that stated I would receive {$450.00} bonus when I deposited {$6000.00} in my checking account via direct deposit. I completed my end of depositing over {$12000.00} and have not yet seen the bonus. I have called and given a case number # XXXX. I called this number XXXX about XXXX weeks ago and they said they would get back with a response by email and they havent.
Product: Mortgage

I setup a bill pay for my mortgage. The funds are taken out in 2 payments and the first payment is taken out around the 6th and the second payment is taken out on the XXXX. 
Lakeview ( XXXX ) calls me EVERY month because they said they didn't receive my payment, but the funds are removed from my account. I call my bank and they verify that the funds were taken out of the account. 
When you try to call the mortgage company. You have jump through hoops and ladders to speak to a live person. 
This is extremely frustrating and causing unnecessary stress. I can't change loan company unless I refinance. I can't refinance because my mortgage is still new ( 7 months ). There is a plethora of negative negative reviews against this company and I am adding my complaint to the list. 

I hope you can help me rectify this issue
Product: Checking or savings account

Hello, between XX/XX/2020 till now XX/XX/2020 Chase and I have been dealing with an unauthorized withdraw out of my account of {$1000.00} in another city. I followed the necessarily procedures in calling my bank in a timely manner like I was informed by my friend who is a personal banker at Chase. They immediately took action by shutting the card down and sending a new one and promising the return of my money as a small portion of it was suppose to go to another bill. I patiently waited for the return of my card and did not receive it until after I got more information from Chase that they were shutting my account down WHILE a claim was under investigation. When this whole situation went down, they recommended I get the law enforcement involved. Not only did Chase close my account with no reasoning, they also decided to decline by claims days later stating that the card that was used has a unique chip code that cant be duplicated. I expressed how my identity had recently been stolen and how I had to go to SSA to obtain new documents and that anything could have happened. They had no sympathy towards my situation and basically insinuated that I was responsible for the authorization of a transaction that I could not have possibly made due to the fact that I was just getting over a terrible virus and hadn't eaten in two days. I was clearly incapable of pulling an act and instead of giving me information on how I could get this claim re looked at it because I am a broke XXXX XXXX who can not afford to just lose {$1000.00} because the bank didn't reach out and ask if it was fraud, they hung up. This situation caused me to be late on a bill because they froze my other funds with them and have delayed their time in sending me a check for my closed account funds. My friend told me that I did nothing wrong except communicate with them and that there is some federal law for banks following bad practices like this. I can't afford to just let this situation go, I deserve to know who took my money and have the opportunity to get my money back. I was told telling my story here may get me the help I need because of some law about not being responsible for these things especially when you are already going through identity theft. 

Please help.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : 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  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX 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: Checking or savings account

Made an deposit into my account and every since my funds cleared after 5 business days Ive been having the hardest time to retrieve my funds from CITIBANK, constantly blocking my card everyday for no reason after my literally verifying every single transaction, so I went to branch to withdraw my funds out of my CITIGOLD account and the teller who was helping me seem like she was having a very BAD day since she was the only teller working out of 4/5 tellers, she decided to make my year bad already by writing unnecessary comments & notes on my account! When all I asked was to withdraw my funds. Please have Citibank unblock my CITIGOLD checking & saving account so I can take my funds out and put them elsewhere! 
XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX
Product: Credit card

I requested a replacement debit card because my card was due to expire. The representative stated that she would be sending a new card. I received an email that the card would arrive no later than XX/XX/XXXX. The following day I attempted to use my debit card and discovered that it had been locked due to potential fraud activity. I called CapitalOne to explain that no fraudulent activity had occurred. I expected my phone to be reactivated, but that did not happen. I called CapitalOne again and was told that because a fraud alert had been placed on my phone my existing card was deactivated and a new card issued.
Product: Debt collection

This debt collector has successfully garnished my wages on my first job in six years, without notifying me that 1 ) I was being sued 2 ) had a court date 3 ) served me at an address that I had n't lived at for several years nor that I had the right to dispute. Lastly, I had a clear title to the vehicle that they are claiming to be collecting on.
Product: Credit card or prepaid card

I received a mail solicitation from American Express on XX/XX/2020. I started calling American Express on Tuesday, XX/XX/2020 to correct the address/ data discrepancy associated with this offer for a financial product. 

I spoke with seven people on XX/XX/2020 after several extended periods on hold. One person provided me a phone number of XXXX to call which turned out to be a sweepstakes redemption number! The only response I could get was to write a letter to the American Express home office, and they provided the corporate street address. 

the other remedy they offered was to block my address from receiving additional mail from American Express, but that will not solve the problem. The issue is that a company, " XXXX XXXX '' is associated with my mailing address on a marketing list used to provide a firm offer for a financial product. I have requested that this be corrected per the FCRA and FACTA guidelines, but American Express has no dispute line or correction center to facilitate this correction.
Product: Debt collection

I do not owe the amount of {$410.00} as of XX/XX/2019 I've disputed this debt several times with this company, but it was under a different name. I've tried to resolve this debt by showing proof of validation, but no avail. I need proof of validation from this " new named '' fraudulent company.
Product: Credit reporting or other personal consumer reports

I submitted a dispute letter to XXXX XXXX requesting the verification documents and the verification methods. I received a letter showing incomplete payment history and no other verified documentation.
Product: Credit card or prepaid card

SOMEONE STOLE MY IDENTITY AND OPENED A FRAUDULENT ACCOUNT AT MACY 'S. I HAVE SENT NUMEROUS TIMES MY IDENTITY THEFT REPORT TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I BELIEVE I MA BEING DISCRIMINATED SINCE I AM AN XXXX   WOMAN, THATS WHY THEY REFUSE TO REMOVE THE FRAUDULENT ACCOUNT. THANK YOU
Product: Credit card

I was sent a marketing email stating that I may be eligible for an upgrade on my XXXX  XXXX XXXX rewards credit card to the XXXX XXXX rewards XXXX Credit Card. I am aware some credit card companies send mass upgrade offers and if you accept the upgrade offer and approved then the account just transfers from the XXXX to the XXXX. Obviously it will have different account numbers but the XXXX wont report to the Credit bureaus as closed usually. I wanted to know how this credit card company handled their mass upgrades and how it would report to the bureaus and if I accepted the offer, would it be a hard inquiry. I called in to CS on XX/XX/year> and spoke with XXXX. I felt like I wasnt getting a direct answer so I asked for a supervisor. I then spoke with XXXX, who basically told me hes not a credit specialist and can provide me with the XXXX information to ask them. How would the XXXX know what comentity bank is offering to their customers? I guess this credit card company does not supply their employees with proper training or information on mass upgrade offers that are sent to consumers.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX  specifically debt bondagewhich falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage. 
According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information.

I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human trafficking.
Product: Credit card or prepaid card

In XXXX Of 2020 I Was Diagnosed With XXXX, Which Led Me To Be Hospitalized & Also Unable To Make A Credit Card Payment With Navy Federal Credit Union XXXX I Requested Forgiveness And They Refused To Remove The Late Payment From My Credit Reports.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the XXXX  time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit card or prepaid card

I was invited to make a balance transfer about 10 months ago that would accrue 0 % interests, which I did. 

I was again invited to make another balance transfer 2 months ago. I checked about previous one, and was told payments would be allocated evenly across both balances. 

With last month 's ( XX/XX/01 ) payment, I saw that the balances weren't decreasing accordingly, but most recent balance was decreasing before older balance. 

I contacted the XXXX XXXX  and was read a long " payment goes to here, then that, then the other '' dissertation, yet they ask for a small minimum payment, which clearly would not meet the necessary timeline to pay the transferred balance in full, but they allocate any monies maid in excess as they see fit.. 

When I asked whether the 2nd balance transfer was just an entrapment to keep me from clearing that first balance, and thus achieve the 0 % interest charge, more blah, blah, blah, blah, blah. Basically saying that the entire balance must be paid in order for the1st balance transfer not accrue interests. 

This seems as entrapment to keep me from capitalizing on the 0 % interest original offer. 

I made a request to allow me to pay off the 1st balance transfer in full, yet it remains " under review ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account don't belong to me and I want them removed from my report please. 
Creditor : XXXX XXXX XX/XX/XXXX Amount : {$1100.00} Creditor : XXXX XXXX   XX/XX/XXXX Amount : {$230.00} Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$460.00} Creditor : XXXX XXXX Amount : {$230.00} Creditor : XXXX Amount : {$460.00} Creditor : XXXX Amount : {$490.00} Creditor : XXXX XXXX XXXX Amount : {$5000.00}
Product: Credit reporting or other personal consumer reports

Under this original complaint number XXXX, the company stated that they would remove all of the reporting from my credit bureaus and validate the debt. They also said they would not re-report the debt on my credit report. They have violated this and according to FCRA 611 - 15 U.S.C. 1681i, so has XXXX for allowing this information to be represented on my report. I have disputed this information and intend to take legal action against them both for violating this agreement. 

*New updated complaint number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several accounts on my credit report that does not belong to me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Report Act ) these unverified and unauthorized inquiries must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.