23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been employed in public service for over 20 years and in student loan debt for just as long. Specifically, I have worked in public service at a qualifying employer prior to the implementation of PSLF in XXXX  until now. As such, I would have been eligible as of XXXX. Fed Loan was my loan servicer. As a loan servicer, it was difficult to get information about PSLF/repayment plans as well as their ever-changing criteria. I was always told I had the wrong loan type or repayment plan resulting in my payments not counting towards PSLF. 
The Cares Act suspended student loan payments and waived interest between XXXX and XXXX. However, I made consistent payments during this time. Additionally, I was able to qualify for loan forgiveness solely due to the temporary changes made to the Public Service Loan Forgiveness ( PSLF ) program between XX/XX/XXXX and XX/XX/XXXX. 
In XXXX, my loans were forgiven and I was determined eligible for PSLF as of XXXX. As I believed my eligibility date should have been XXXX, I sent verification of my qualifying employment during XXXX to FedLoan and Department of Education as they both instructed for reconsideration of my PSLF eligibility date. As stated, Ive gotten emails from FedLoan indicating that there was a refund of payments that supposedly came in a lump sum but they refused to provide additional information such as deposit details or verification. I have filed complaints about them with the Department of Education to no avail. 
Neither corrected my PSLF eligibility date NOR issued a refund for any and all payments made since XXXX. Immediately upon being notified of the forgiveness, I no longer had online access to view my payment history on FedLoans website. I attempted to contact FedLoan by phone and email spending countless hours on hold and back & forth emails with no resolution. I am due a refund for overpayments since XXXX. Fed Loan redirected me to the Department of Education, and vice versa. FedLoan insisted they issued a refund but provided no other information and consistently redirected me to the Treasury Department. I am due a refund in excess of {$12000.00} plus interest. They should incur the same late fees and penalties we have to incur as borrowers in this student loan debt scheme. I am long overdue a refund for all overpayment/payments made since XXXX. 
Conveniently, FedLoan discontinued their loan servicing while outstanding debts are owed and transferred accounts to XXXX. I have made several efforts to contact FedLoan Servicing prior to their discontinuation of loan servicing. I was told my account would not transfer to XXXX since my loans were forgiven, however, I received correspondence from XXXX stating that my PSLF is under review. I contacted XXXX by phone for additional information but there is no record of me/my accounts in their system. There continues to be a lack of communication and transparency.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than XXXX days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX  in the amount of {$650.00} dated XX/XX/2017. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Product: Vehicle loan or lease

My response to a letter dated XX/XX/2018 from XXXX XXXX XXXX XXXX : XX/XX/2018 FAXED TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX RI XXXX Re :  Account # XXXX Your letter of XX/XX/2018 indicates my loan is past due. I submitted on or about XXXX  XXXX the appropriate forms to move my monthly debit from my former XXXX checking account to my new XXXX XXXX XXXX account. 

I contacted your office by phone about the time of the referenced letter indicating that neither my old XXXX account nor my new XXXX account had been debited and was told by a not particularly helpful representative that it may take one or two billing cycles to take effect. 

For more than two years I have not missed a payment and have, in fact, paid {$500.00} per month so I am well ahead of the loan payment schedule and can not be past due. 

Please take steps to implement my new XXXX XXXX XXXX account and the monthly debit of {$500.00} against the referenced loan. Also, take steps to remove the negative impact on my credit record as I am effectively NOT in arrears. 

Thank you. Inform me that these actions have been taken so I have a record of the action. 

Regards, XXXX XXXX XXXX, XXXX. 

Cc : Acting Director XXXX XXXX Consumer Financial Protection Bureau
Product: Money transfer, virtual currency, or money service

I initiated a international wire transfer through Chase Bank, and the same day after a few hours the fraud department called me to confirm it was an accurate wire transfer and to confirm the amount. I actually appreciated that and I told them I appreciated it. Then, they started asking me personal questions about my communications with the person I was sending money to and what the money was for. I explained they were not privy to my personal communications in any way. They said they will cancel the wire if I don't answer the questions they asked, I said go ahead and cancel it and I will find another way to send my money. They then locked down my account. I can not access my account at this time until I take two forms of identification to a branch location. I explained the wire was accurate and it was for renting an apartment for my vacation. That wasn't enough information for them. I am absolutely furious! How can a financial company company have this much power over my accounts without oversight? They have wasted a good hour of my time in the middle of my work day to deal with Chase 's unreasonable requests to go unlock my account.
Product: Credit card or prepaid card

I opened a secured credit card account with Discover in XXXX of 2017. They advertise this card as being able to graduate to unsecured after 8 months by which time it will be reviewed monthly to see if it is eligible to graduate and the security deposit returned. The criteria they list is " Its important to have responsible use of all credit accounts, not just Discover. This includes on-time payments, staying within credit limits and avoiding returned payments, among other factors. '' This canned statement is very vague. Monthly they check my credit report and do not provide me with an Adverse Action Notice ( as detailed in the FCRA ) about why they are denying to grant me credit in the terms requested. 

Trying to talk to customer service at Discover is like talking to a brick wall. They only give the same exact canned response and say that it's automated and no one can manually review it. 

This card that is advertised as being able to " graduate '' in 8 months is now sitting at about 34 months without graduating with no explanation of why or communication from Discover at all regarding this topic. During that 34 months, my credit score has jumped well over 100 points and all collection items have been removed as well as any other negative accounts and I've been able to be approved for any other credit I've applied for. If that doesn't qualify as responsible use of credit accounts, I'm not sure what does, and with the lack of transparency Discover has provided, I'm sure I never will.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX, TX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian Rent Bureau, Please see attached : - Experian Rent Bureau order form filled out and signed - My drivers license, social security card, and address I am requesting a copy of my RentBureau credit report
Product: Credit card

I am a Citi credit card customer for more than 7 years. I made a credit line request from online account on XX/XX/2015. The request has resulted in a Hard inquiry on my credit report. The credit line increase with citi card has always been a soft inquiry for me in the past. I contacted customer service and they informed me that the online credit line increase requests are hard inquiry and the credit lime increase requests over the phone are soft inquiry. However, the website does n't mention any disclosure or notification while I was making the request. The representative asked me to fax or mail the Citi Bankcard Credit Bureau Dispute department.So, I faxed them on XX/XX/2015 explaining my case but I did n't hear back anything for more than two weeks. So, I contacted Citi customer service again as there was no way for me to contact their credit bureau department via phone. This time I asked to be connected to a supervisor. I had to explain my case all over again. After listening to my case supervisor told me that either online or over the phone it should have been a soft inquiry and the customer is always asked if it will be a hard inquiry. So, she assured me that this hard inquiry will be removed and she has escalated it to the Credit Bureau department. 
I received a letter dated XX/XX/2015 and Case no. XXXX stating they are unable to remove the inquiry from my credit bureau report but there was no explanation on why it can not be removed or why it resulted in a hard inquiry. 

Citibank should be transparent in their policies across platofrms ( i.e. phone or online ). Also, they should properly train their representatives as I got different information from thecustomer service agent and the supervisor. Lastly, they should value customer 's time as I had to call multiple times and explain my situation all over everytime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open XXXX XXXX  account # XXXX This is a fraudulent account I did not give this creditor written consent to access my credit file According to the FRCA The Term " Investigate consumer report " Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account XXXX XXXX XXXX XXXX
Product: Debt collection

I sold my primary residence in XX/XX/XXXX and requested all utility services to be cut off by XX/XX/XXXX. XXXX XXXX, utility account # XXXX generated a final invoice in the amount of {$160.00} that was sent to my new address on XX/XX/XXXX, along with a communication that XXXX XXXX was pleased to inform me that I was eligible to receive a credit for any unpaid balances of my natural gas bill for the period of XX/XX/XXXX through XX/XX/XXXX due to the exposure and financial difficulties that I was experiencing due to COVID -19/ The eligibility to receive this one-time bill payment assistance was possible because of the Virginia Coronavirus Aid , Relief and Economic Security ( CARES ) Act. At that moment in time, I was impacted financially due to a reduction in business and work hours, therefore I completed the paper form requested by XXXX  XXXX for this one time bill assistance and mailed back via USPS. 

I did not hear back from XXXX  XXXX, therefore I assumed that my bill was satisfied and account closed. On XX/XX/XXXX, I received a letter from Nationwide Credit Corporation, the collections agency that acts on behalf of XXXX  XXXX stating that I had an outstanding balance of {$160.00} that needed to be paid immediately and that this balance was already reported in my credit score to the credit bureaus. After some research, it was determined that XXXX  XXXX never processed my Covid19 relief request and then sent my account to collections. 

The account was paid in full to XXXX  XXXX on XX/XX/XXXX, confirmation # XXXX but the collection process is still showing in my credit report, negatively impacting my score and ability to acquire future credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME BECAUSE THEY WAS OPEN FRAUDULENTLY SOMEONE USED MY IDENTITY TO OPEN THESE ACCOUNTS WITHOUT MY KNOWLWDGE STOLE MY SOCIAL AND ID I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is allowing XXXX XXXX to report expired information to my credit report. The debt with the original creditor XXXX XXXX has already been written as a profit loss in 2016, the are still trying to collect a debt that they have already been compensated for. I initiated a dispute of the information being reported and Experian not only did not do their due diligence, they are still reporting the expired information as accurate and updated. This has negatively impacted my credit profile and maimed my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX US DEPT. OF EDXXXX fictitious nomen and mailing location and accounts not associated to social security nor did I give any consent. These entities must produce wet ink autograph of any agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes i have tried 4 times to get Transunion, XXXX and XXXX to remove a bankruptcy from my credit that i did not give reading or verbal permission to report my personal information.And i also checked the US Bankruptcy Court.And they said they do not report anybody 's personal information to the credit bureau.And i have a letter stating that dont report.I 'm asking as a consumer customer to have these Bankruptcy removed asap.These are the docket number # XXXX, # XXXX and # XXXX ... And if these items are not remove i will file a class action lawsuit against CFPB and the credit bureaus for not protecting personal information.Again im asking for these items to be removed
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 XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. 
importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with details. 
information pertaining to the alleged accounts, including any associated. 
transactions, applications, or account activities. It is crucial that I review this. 
information to assist in the investigation and help identify any fraudulent activity that may have taken place. 
Furthermore, I kindly request that you suspend all activity and remove the related. 
alleged accounts immediately, including any associated fees, charges, or penalties. 
I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. 
I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. 
the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. 
measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. 
confident that you will manage this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not. 
hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response. 
and a resolution to this concerning issue. 

XXXX XXXX  UNAUTHORNIZED INQUIRY XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

After several years of being an excellent Citi Double Cash cardholder with zero late or missed payments, Citi closed my account on  XXXX   XXXX ,  2017. The y did not provide warning or notice and I was not given any explanation as to why they closed my account. At the time of closure, I had an accumulation of {$7300.00} in unredeemed cash rewards. The earned amount was confirmed by Citi on my  XXXX   XXXX ,    2017 sta tement and through their phone system on  XXXX   XXXX ,  2017 ( se e attached transcript of phone call, also recorded on an audio file ). However, when I subsequently attempted to redeem the rewards, they claimed that my cash rewards would be forfeited since the account was closed.     Citis withholding of my earned rewards is a blatant breach of our covenant of good faith. I earned the {$7300.00} in rewards according to the rules outlined in their marketing and promotion campaign . Citi  engaged in widespread media marketing campaigns to promo te Citi Double Cash. T he reward card was promoted as having cash rewards that never expire. Howeve r, Citi is now  claiming that the cash rewards are forfeited if the account is closed. In other words , if Citi decides  they dont want to pay an accrued liability, they can simply close the account for no reason. This can not possibly be lawful in the letter nor spirit of contract law.     My credit card account was terminated, even though my account had never been in default and I never missed a monthly payme nt. Citi stripped me of rewards cash that I had earned, without any form of compensation. This is clearly a situation where Citi is tryi ng to avoid paying a liability they owe.