23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loan debt collector is Mohela. I recently contacted them regarding my income driven plan and my recertification date. They initially informed me that my date was XX/XX/year>. When I informed them of the Department of Education announcement that borrowers whose recertification date was prior to XX/XX/year> would be pushed out a year, they told me my new date was going to be XX/XX/XXXX. On another part of the website, my recertification date is XX/XX/XXXX which is consistent with my recertification date from department of education loan information. 

My concern is that there are multiple recertification dates listed and when I speak to their representatives, they provide even more variability in the recertification date. According to my loan information from the database and from the Department of Education, my recertification date should be pushed back a year from the actual date which is XX/XX/XXXX. 

The lack of clarity regarding recertification dates leaves me questioning when I really need to recertify and if I miss one of their arbitrary dates, will they kick me off of my income driven plan in which case I will be ineligible for public service loan forgiveness for those months. 

I have also requested a refund for a month where my billing was inaccurate. They have promised a refund on multiple occasions but refused to provide any follow-up documentation and no refund has been processed or issued.
Product: Credit reporting

XXXX XXXX, XXXX XXXX XXXX report of negative information about a 2008 loan That was paid and account closed. They continue to report it in collections/charged-off XXXX of XXXX even pulled my Credit Report this month without my consent. It has ruined my credit to the point I have not been able to buy a car, home or rent an apt in my name. It is all very damaging and extremely unfair. I work hard and always pay my bills and taxes. Do companies have a right to put me in this kind of hardship causing me to be considered a credit risk?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with Fair Credit Reporting act XXXXXXXX The XXXX accounts listed below has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Mortgage

An over payment of approximately {$1100.00} was made to XXXX on XXXX XXXX XX/XX/2015 as final payment on a mortgage. Citizens claimed to have sent a refund of that check to my home address for that amount within 10 days of receipt of the over payment. I did not receive it. I called to request a new check. Citizen 's customer support advised that a new payment would be sent out. By XXXX XXXX, I had not received a check. I called again and was told to send a request for a new payment in writing to Citizens Bank NA, XXXX XXXX XXXX. XXXX in XXXX, RI. I did so on XXXX/XXXX/XX/XX/2015 by means of both fax and XXXX post. On or about XXXX XXXX I followed with a phone call to Customer service and was advised that my request followed too closely to the matter of the previously mailed check, but that that Customer Service representative put in a special request to have a check sent out during our phone call. He advised that I call back to confirm the action had taken place and get further information as to when to expect the check. I called back again on XXXX XXXX. I was advised by Customer Service that no change had been processed and no check had been reissued. I was directed to call back again within 3 days. This issue has wasted my time and I am still without my money.
Product: Checking or savings account

I need Pnc to alow federal grants to be deposted in my account
Product: Bank account or service

Wells Fargo processed a large item first so that they could charge a fee for the smaller items. I should have only paid XXXX for fees instead they charged me XXXX. The ATM took my monies which create an erroneous balance. The bank refused to cover fees that were created because my account did not have enough funds.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX and TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ).

The following accounts show inaccuries Account Name : XXXX XXXX ( Account Number : XXXX ) Account Name : XXXX XXXX ( Account Number : XXXX ) Despite providing evidence that late payment entries on my credit report are inaccurate, the credit bureaus have not corrected or removed these items. On XX/XX/year>, I disputed the inaccuracies with both CRAs, providing supporting documentation, including bank statements and payment receipts. However, the CRAs failed to investigate the dispute properly, did not verify the accuracy of the information, and did not remove the erroneous late payments as required under 15 U.S.C. 1681i.

Under 15 U.S.C. 1681e ( b ), the CRAs are required to ensure the maximum possible accuracy of the information reported on my credit file. By failing to correct the false late payment information, they have violated this obligation, which has harmed my creditworthiness. I request that the CFPB intervene to ensure that the CRAs fulfill their duties under the FCRA, correct the inaccuracies, anc remove the disputed items from my credit report. I trust that the CFPB will take appropriate action to resolve this matter and protect my consumer rights. 
Thank you for your attention to this issue. 
Sincerely, XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1989 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal car loans Indiana XXXX XXXX amount XXXX, XXXX  sale XXXX amount of XXXX also self XXXX amount of XXXX also personal loan XXXX XXXX XXXX amount of XXXX XXXX XXXX amount of XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax concerning a collections account placed on my credit file. The account was submitted to Equifax by XXXX XXXX XXXX with the original creditor being XXXX. XXXX reported the account with the incorrect ( First Date of Delinquency Date ), which they reported was XX/XX/XXXX. The correct date should be XX/XX/XXXX. Equifax also reported that the account is schedule to be removed from my credit file on XX/XX/XXXX, which is incorrect. The correct date the account should be removed in XX/XX/XXXX. I submitted a credit dispute to Equifax giving them documentation that shows the last payment on this account was XX/XX/XXXX. Based on the Fair Credit Reporting Act ( FCRA ), the XX/XX/XXXX is completely accurate when determining the ( First Date of Delinquency Date ) and subsequently sets up the date that the account is to be removed from my credit file. When Equifax completed their review, they did not update date my credit file to establish that the First Date of Delinquency Date should be XX/XX/XXXX and the date the account should be removed from my credit file should be XX/XX/XXXX. Equifax only updated my credit file telling me that I needed to contact the collections company XXXX. When XXXX first reported this collections account on my credit file, I submitted to them a debt validation request, and they never responded. XXXX only contacted me via phone at work and harassed me telling me I had no authority to question the debt as it was validated by XXXX. I informed XXXX that I did not want to have another harassing phone call and that they should only contact me via US Postal Mail. Based on the documentation I provided, this collections account will have aged on my credit file for 9-years, two years more than authorized by federal law.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX my Wells Fargo account was compromised and {$1700.00} was XXXX out of my account. I immediately called Wells Fargo and was put on hold for over XXXX minutes before speaking with an agent. I was told had I spoke to someone right away it would have been reversed but too much time has now passed. Which was not my fault due to the hold times. I continued to escalate my complaint but was met with push back all the way through. Wells Fargo did not help me and had the nerve to blame me. 

Claim # XXXX Please help as I was scammed and money taken from my account with no help from the big banks.
Product: Credit reporting or other personal consumer reports

I am not liable for these debts. In accordance with the FCRA, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality un 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 XXXXXXXX, has violate my rights. 

*15 USC 1681 section 602 A. States I have the right to privacy.

*15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without any written instructions.

*15 USC 1681c. ( a ) ( 5 ). 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 USC 1681s-2 ( A ) (! ). 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.

Please remove these adversely accounts which is injurious to my credit rating. I can't obtain credit and it's costing me thousands of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I have been disputing these three accounts with XXXX XXXX for at least 3 years now in regards to an unfamiliar account with XXXX and Belk. Unfortunately, due to the fact that these accounts are unknown to me, I can only give you the details that I have received through the credit bureaus and just once correspondence received from this creditor. 

So for starters, XXXX XXXX has been reporting a frivolous and unverifiable account on MY credit report, that is ( 1 ) under someone elses first name but my last name, and ( 2 ) without any verification documents to substantiate the data its reporting. 
Ive requested on multiple occasions, a copy of the contract/agreement bearing my signature as required by law to initiate this alleged debt. Ive also requested a full accounting of the alleged debt and any other intimate information that they must have in regards to my alleged obligation to it ( ie, a copy of the identity verification they must have obtained in accordance with the US Patriot Act ). However, they have refused to provide this information or even to respond at all ( except once ). 

I am attaching a copy of the most recent letters, certified return receipts, and proof of delivery to this complaint. I am tired of going back & forth with this company only to have them continue to violate my rights. Theyre not only damaging my credit report but theyre also causing me a host of unnecessary wasted time AND stress. Im at my wits end and I seriously need some help. So PLEEEEASE help! 

If theres anything else that I can provide to you at this time, please do not hesitate to contact me. Thank you and have a great day!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, BARCLAYS BANK DELAWARE add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
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. 

Account name : XXXX # XXXX, account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX,, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX XXXX Account name : XXXX  XXXX # XXXX XXXX Account name : XXXX XXXXXXXX # XXXX XXXX Account name : XXXX XXXXXXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX  XXXX # XXXX name : XXXX XXXX # XXXX XXXX Account name : XXXX  XXXX # XXXX XXXX : XXXX  XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX  XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXXXXXX # XXXX XXXX Account name : XXXX XXXXXXXX # XXXX XXXX Account name : XXXX XXXXXXXX # XXXX XXXX Account name : XXXX XXXXXXXX # XXXX XXXX Account name : XXXX XXXXXXXX # XXXX XXXX Account name : XXXX XXXXXXXX # XXXX XXXX account name XXXX XXXX in # XXXX, account name : 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 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 card or prepaid card

Regarding XXXX payments made on Williams Sonoma Credit Card issued by XXXX Bank which was originally Barclay Card. Payments which have not been reflected in the statements issued to her and in the outstanding balance due. In XXXX Barclay Card was William Sonoma credit card company they used. In XX/XX/XXXX Barclay Transferred to XXXX Bank Card. Since XXXX all payment were made the same way. 

XXXX {$1000.00} Payments were made from XXXX account XXXX and account XXXX to William Sonoma and William Sonoma states they did not get them! WE are missing {$5000.00} or so XXXX  bank states! XXXX payments in the amount of {$1000.00} each were made to XXXX Bank ( The same way each week via bill-pay from XXXX bank for XXXX past XXXX plus years ). Each week a payment of {$1000.00} was made. Each payment was electric from XXXX to XXXX some way for the last XXXX  years NO changes! It is set-up automatically for weekly payments. I noticed that my payments were not posted, so I called XXXX Bank and they stated I did not make the payments. I called XXXX Bank. XXXX Bank and I called XXXX Bank and once again they stated the payments were not made. XXXX and I both sent back-up 's of the payments totaling over {$5000.00} that are missing and they still state the payments were not made. XXXX stated since no changes were made to the payments for the past XXXX  years they could not help me ( basically since I sent the payment the same way for the past XXXX  year with no changes electrically no fraud was found ). Below are the payments that are missing XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. We Believe the funds went to the old Barclay account ending in XXXX and are sitting in limbo after doing a thorough audit.
Product: Payday loan, title loan, personal loan, or advance loan

Pre-applied for iphone loan. All identifying information was correct in multiple applications. Information verified as correct with XXXX. Citizens states information incorrect and that my social security number of 48 years is incorrect. 

Transgender discrimination due to legal name change is the root of the issue here. Credit report has old legal name, as did citizens due to prior iphone loans. Will not accept new legal name which is primary on the credit report, nor will they accept old legal name that is still on the report. 

They went through a manual process to work around their issue and it was still denied as " Application information does not match credit report ''. Forced to pay with interest in full instead of utilizing the 0 % iphone program that I'm qualified to use. Will suffer approx {$600.00} financial loss due to the discriminatory issues with transgender individuals from Citizens. This also doesn't account for the XXXX hours of phone calls between XXXX and Citizens trying to work through XXXX 's system issues.
Product: Debt collection

Yesterday I was informed by someone that resurgent emailed them about a debt in which they exposed my information on an email to this person from an email in which doesnt belong to me at all. This was one accounts that credit one was still charging me after the account was closed as well. So my balance got to be an additional {$500.00} plus when it went to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry was made without my consent. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have called and nobody will answer have stayed on hold for an hour.
Product: Debt collection

the debt they are trying to collect is inacccurate. I believe I do not owe at all and was told my representatives of the company they are trying to collect for that I had closed out my account years ago and it was paid up to date. I have told them this and provided proof and also requested they prove my debt. All they sent me was a single page paper saying I am overdue. They will not explain what my charges are for or anything and said they were reporting to a credit agency
Product: Credit card

XXXX mailed unsolicited pre approved credit card for {$150000.00} available credit XXXX and to call XXXX to activate to me received XX/XX/2016 ... .credit card enclosed in envelope for account XXXX ... no such account exists or ever existed. XXXX has a history with XXXX ... request action against XXXX. 

XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out 4 different letters dating back as far XX/XX/XXXX to XXXX, Equifax and XXXX   the latest being XX/XX/XXXX and another one I am sending out today XX/XX/XXXX. 
I wrote to XXXX, Equifax and XXXX to remove the following accounts ( listed below ) from my report if they did not provide me documents or validation of the debt. The company has failed to remove any account and responded back as " verifed accounts ''. Therefore, since they failed comply with FCRA sections 609 and 617, they were supposed to remove the debts immediately. XXXX has not provided any documentation, they did not confirm who verified the information or what company. They have refused to remove the following accounts : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, Both Bankruptcies XXXX even after I provided a letter from XXXX XXXX and the local Bankruptcy court stating they dont report to Bureau 's so how can XXXX, XXXX and Equifax not correct or comply with the Law if they have no documentation that I am the actual person in charge of the debt or anything else. I called and spoke with a lady named XXXX today XX/XX/XXXX ( XXXX ) to inquire about my recent notices-she stated they do not remove things from my credit report and to file a police report.
Product: Mortgage

In XXXX of XXXX we received notification that XXXX XXXX XXXX   had transferred our mortgage to XXXX/LoanCare. We received a paper statement dated XX/XX/XXXX for the payment due in XX/XX/XXXX. Despite countless phone calls since XXXX we have never received another statement, either electronically or on paper. Despite our preference to use paper we tried using their website to make the payments electronically. We received email notification that the XXXX payment was rejected several weeks later. The next phone call uncovered that their system showed an incorrect entry that would neither result in either a paper or an electronic statement. There was also no apartment number on the mailing address. According to the representative this was a failing on their end. When I asked to speak with a supervisor I was put on hold for almost an hour before I hung up. A subsequent call revealed that the only way to speak with a supervisor is to wait on hold with no indication of how long the wait would be. I was told the investigation would remain open yet my next call, made to inquire about not receiving a paper statement, revealed that there was no investigation. Every month I am told statements were mailed yet hav n ver received one. I have been placed on hold every time- having been told it would be brief- only to eventually hang up after waits of 20-30 minutes. Our XXXX payment was mailed on XXXX/XXXX/XXXX yet the payment was not posted until XX/XX/XXXX which incurred a late fee. I called today, XX/XX/XXXX to see if this months payment had been received and was told it had, though it was not yet posted.