23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for the save plan and loan consolidation at the same time on XXXX. The consolation is complete but my payment amounts are not updated to what the government website showed when I applied.

I waited for a week after the consolidation to ensure there was sufficient time to process.

I researched bit online about possible road blocks. Accordingly I reached out using their email form ( the only way I saw to send a written statement ) for an update and uploaded my tax forms that would have been used with the SAVE plan application.

My understanding is the Fafsa website forwards the tax returns but some research I did suggested Nelnet may be having problems accessing that information. So I uploaded a copy of my tax return to the nelnet platform as well.

I do not understand why processing the SAVE plan application is not complete when the consolidation is and I have not received a response to my email to them. Their email form includes identifying information for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looks like Carrington is going to ignore the laws of Texas, and rules set by the cfpb, in XXXX the account for XXXX XXXX XXXX XXXX by XXXX  XXXX XXXX because the 7 year 's to remove had passed, it was removed from all the credit reporting agencies, in XXXX the account was moved over to Carrington a debt collector, they started making up statements, that was false, first a lawyer sent me a letter to cure the account XXXX, then Carrington sends a statement in XX/XX/XXXX, for XXXX, in XX/XX/XXXX one for XXXX, then one in XXXX for XXXX, al these supposedly pass due amount s, now Carrington has put it back on my credit report, reporting like a new mortgage, they changed all the amounts, not reporting the last payment was XX/XX/XXXX, according to the fair credit reporting act, once a account is removed it can't be put back on, and changing all the information is illegal, and can file suit.also justice Dept ruled it illegal
Product: Credit reporting or other personal consumer reports

I hot an alert on XXXX XXXX and XXXX and Equifax that a apartment has been reporting that I owe them money yet I've never had an apartment before I've tried disputing it and it won't go away. It's 2 apartments reporting on XXXX XXXX XXXX for almost XXXX and XXXX XXXX for almost XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to provide a follow-up on my previous attempts to remove fraudulent items from my credit report. Despite my several efforts, these inaccuracies persist, and I am compelled to seek further assistance in rectifying this matter. 

I have submitted disputes, provided documentation, and engaged with the relevant creditors and credit reporting agencies to address this issue. However, to my dismay, the fraudulent items continue to negatively impact my creditworthiness and financial standing. 

This ongoing issue has caused significant distress and uncertainty. It is crucial that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance : {$330.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Balance Owed : {$81.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting

On XXXX XXXX, I applied for a second mortgage and all was great. On XXXX XXXX, I was informed by my credit union that the credit reporting agency told my bank that I now have XXXX social security numbers associated with my name. I then began the process of having this matter corrected but can not get it done with the countless faxes, copies and emails and phone calls. Equifax seems to be the company causing this, the other XXXX companies seem to have corrected this problem. I and my wife have now been denied credit on XXXX separate accounts. Also, they refuse to give me any case numbers to make matters worse when I try to discuss this matter with them. 
I appreciate any help that you can give me to correct this horrific situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, DEPT OF EDUCATIONXXXX Account # XXXX has XXXX XXXX XXXX Account # XXXX 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: Checking or savings account

I opened an account with Majority. 3 days later they closed it with no details on why. However I had {$500.00} in funds in the account when they closed it. 
I sent over all my bank details for them to forward the money. They advised 3-5 days.

Its now been 4 weeks with no return of my funds.

Ive sent over 40 emails and getting no response other than one guy responding something in XXXX which was off topic and nothing to do with my account.

The people on the phone are also no help and useless.

Theyre clearly scamming customers for funds and keeping their funds to earn interest.
Product: Mortgage

Wells Fargo Mortgage has failed to provide one point of contact to assist in resolving issues. There is at least one cleared payment that has never been recorded for primary mortgage XXXX, now changed to acc. # XXXX. Documentation was presented to prior representative that responded to my prior complaint with the CFPB. Repeated requests to correct and credit this payment and additional fees have failed. In addition, XXXX mortgage account # XXXX, now changed to acct. # XXXX, is not properly applying my payments. According to XX/XX/XXXX statement, payment dated XX/XX/XXXX is being held as " unapplied '' ; the balance does not reflect the payment. This misapplied payment on the account, formerly # XXXX, is repeating the previous situation where all payments were misapplied during XX/XX/XXXX/XX/XX/XXXX. There is no reason or excuse for not applying payments received.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The dates of garnishment deductions are XX/XX/year> for amount of {$210.00} XX/XX/XXXX for {$82.00} XX/XX/XXXX for {$270.00} XX/XX/year> {$190.00}. I got sued by Sheer Green and Burke debt collection agency for a XXXX of XXXX bill from years ago that I thought my insirance had covered. I responded to the collector and set up {$50.00} weekly payments last year some time in XXXX XXXX I asked them to take payment out every wensday as that is my Pay day they tired taking it out on Friday and it got declined so I called again and told them to take it out wensday and they did same thing tried taking it out on Friday and it declined. They got a Judment against me in XXXXXXXX XXXX XXXX XXXX XXXX XXXX and never informed me of time and date I got a letter that they got a judgment against me couple weeks later. On XX/XX/year> I got a electronic email from XXXX our payroll company that Sheerer Burke And Green got a writ of garnishment for XXXX percent of every pay check that was first time I found about it and already the following wensday money was taking out my paycheck. I was never informed by this collection agency about it when I called and messeged the lawyer at the office emailed me back I asked to have them take XXXX weekly till balance was paid off and they refused. I brought up that their own papers that they filled with the court gave me 14 days to respond to the writ of garnishment and his response was I got a judgment against you and I dont have to send you anyhting. I emailed them couple times for them to send me proper debt valadtion letter that they own this debt and have legal right to collect it and got no response. Even the letter of them suing me said I had 28 days to respond and I did by calling them and 2 weeks later they got a judgment and I received the letter past the court date. This is a predatory collection agency they never provide proper documention to validated this debt collection, never send anything about writ of garnishemnt or anything else. They should be investegetired for not following legal and proper laws and way of conducting their collection efforts. Their number is XXXX
Product: Debt collection

EOS CCA XXXX Phone number ( XXXX ) XXXXThis company is trying to collect a debt from XXXX XXXX XXXX social security number XXXX address XXXX they have reported this on my credit report. I am not and never have been XXXX XXXX XXXX. How the hell can these XXXX report someone else on my credit report? The name, address, and social security number are completely different. I just got XXXX to correct this and now the dishonest XXXX are reporting it to XXXX XXXX. I have spoken to XXXX at length on this issue and I do not have any outstanding debts with them. 
If sticking other peoples debts on my credit report is n't illegal it should be
Product: Credit reporting or other personal consumer reports

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. 
It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please refer to complaint XXXX As noted on complaint I state that the company has been sending erroneous information regarding a settlement made in court regarding an eviction proceeding. I place a complaint with the CFPB and the company asked me to verify my identity in order to move on my complaint. I was asked to upload my state ID of which I complied then the company responds to the CFPB that I did not in order to get the case closed.
Product: Checking or savings account

I opened a US Bank personal checking account XXXX on XX/XX/year>. However, US bank closed my account without my consent late XX/XX/year>. Since then I have not received my funds ( {$460.00} ) that were remaining in the account when it was closed. When the company sent to me a letter in XXXX notifying me that the account was closed, they wrote in the letter that they would return the funds to me within 15 days as a cashier check. I attached the letter in this complaint. However, while its been more than 45 days since they closed my account, I have never received such a cashier check yet. So, they have not returned the remaining funds {$460.00} to me yet. Thus I submitted a CFPB complaint XXXX. I their response, they wrote that The enclosed letter dated XX/XX/XXXX, informed you of our decision to close your account. Your account was officially closed that same day. At the time of closure, your account had a remaining balance of {$460.00}. Since we were unable to verify the remaining funds, the funds were withheld. We are in the process of returning these funds to the originating financial institution. This is a bank-to-bank process which often can take months to complete and therefore, there are no funds to return to you. 
However, I have a bank statement of my linked external bank ( XXXX XXXX  ) that I used to transfer the funds of {$1000.00} into my US Bank account ending in XXXX mentioned above. As in the attached bank statement, the transaction to transfer {$1000.00} from my XXXXXXXX XXXX checking account ending XXXX to the US bank account ending XXXX was done on XX/XX/year>. That linked external account is my account under my own name and my home address, which are the same as that were used for the US bank account XXXX. I also attached the photo copies of drivers license and SSN card, which also proves my name and address. I even attached photo of myself holding my drivers license. I dont understand why US bank claims that they were unable to verify the funds of {$460.00} that were in my account XXXX. I want my {$460.00} funds back to me as soon as possible. If they can not return to me directly as a paper check, they should return to my XXXXXXXX XXXX checking account ending XXXX that I used to transfer the funds into.
Product: Student loan

MOHELA is one of my loan servicers. MOHELA allows borrowers to provide special payment instructions when making an additional or partial payment. " To request special payment instructions when making an additional or partial payment, submit your request via ... [ secure message ] '' I provided these instructions to MOHELA via secure message on XX/XX/2023. I said " Hello, I want all one-time payments I make to be applied only to the principal of my loan, and only to my lower-balance loan. Please explain to me as quickly as possible how to do this. I expect an answer soon as loans are now accruing interest. '' I made a payment on XX/XX/2023 with the expectation that these instructions would be followed. The MOHELA website states " If you have standing payment instructions on file with MOHELA please allow XXXX business days after payment ( XXXX ) is posted to reapply the payment according to your instructions. Refer to Submitting Special Payment instructions for more information. '' It has now been XXXX business days. My instructions have not been applied or re-applied to the XX/XX/2023 payment. MOHELA continues to put my loan payments toward interest despite clear instructions not to and clear commitments from them to apply them. 

MOHELA is not servicing my loans appropriately. I feel this is predatory and they are likely doing this to other borrowers. " High volume '' and incompetence are not excuses. I would like my loans forgiven so I do not have to continue to be a victim of these predatory practices.
Product: Debt collection

Amount is incorrect and not valid I want removed. I tried to handle over phone they keep calling and harassing.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XXXX XXXX 

Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history, but a charged-off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations, which has violated my rights. Experian completed my dispute of this, asking them to verify the information as accurate, and did not remove the re-aging of charge-offs. 

Therefore, I am demanding a correction of the charge-off date on the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have previously contacted Upstart Network , Inc, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  regarding a loan that has been discharged. I received Copy-B of a 1099-C and the alleged debt is now income. I do not owe any debt to any of these parties. Pursuant to 15 USC 1681a, a consumer report does not include information solely as to transactions or experiences ( ie. payment history, charge off status ) between the consumer and the person making the report. Furthermore, 15 USC 1681s-2 states that 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. No one can collect on a discharged debt. Income can not be reported on a consumer report. The IRS defines a charge off as income, income does not get reported on a consumer report, meaning the reporting of the account is inaccurate. All parties have been put on notice that they are furnishing inaccurate information. Upstart Network , Inc also violated the agreement by sharing my information with nonaffiliated third parties. I have no contract with XXXX XXXX XXXX or XXXX XXXX XXXX XXXX and do not owe them any debt. Under the Privacy Act of 1974, I have a right to privacy. Im revoking any and all authorization I, the consumer, may have given them written, non written, verbal, and nonverbal per 15 USC 6802. Upstart Network Inc shall promptly return all Federal Reserve Notes I have mistakenly sent them per 12 CFR 1026.11. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX shall stop contacting me about an alleged debt.
Product: Credit reporting

XXXX XXXX put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Trans union several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Trans union credit report and to stop this harassment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FRCA :605B ( 15 U.S.C. -1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, innacurate, and false information consists of a personal credit card opened at XXXX XXXX XXXX XXXX XXXX XXXX opened up XXXX XXXX under account number XXXX a Mortgage opened up at XXXX XXXX XXXX on XXXX XXXX under account number XXXX an collections account opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on XXXX XXXX under account number XXXX for a balance of XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.I 've attached a list of collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. FAIR RESOLUTION OF THIS ISSUE would be removing these accounts of my consumer report. I request, pursuant to FRCA 605B ( 15 U.S.C. 1681C-2 ). that the XXXX, credit reporting agency block all of the accounts, collections, hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Credit card

On XX/XX/XXXX we purchased a couch in store from XXXX and utilized the promotional financing. The financing terms for in store purchases included a 36 month option. We chose the 0 % over 36 months option. The bank used by XXXX is Synchrony. Our purchased amount was {$4700.00} and this is what our receipt showed. We received our first statement which included an additional 2 % " Promotional Fee '' of XXXX. We disputed this deceptive fee with the bank as no amount showing the fee was included on the receipt. The bank notified us it would take up to sixty days to review the dispute. The return window for the couch is sixty days as well. We will not be keeping the couch if this deceptive act by the bank is not resolved therefore the sixty days to resolve is unacceptable. We contacted Synchrony on XX/XX/XXXX where we were advised the only option to resolve our issue was to file a dispute. We filed a dispute. On XX/XX/XXXX we followed-up with three levels of customer service and were informed that the dispute will be reviewed on XX/XX/XXXX, but not necessarily resolved. This is too close to the return window for the dispute to possibly stay unresolved. On XX/XX/XXXX We then contacted XXXX customer service and after waiting on hold for XXXX minutes received a recording notifying us the call would end and would receive a text message. No resolution have been made as of yet.