23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Urgent Complaint Regarding Inaccurate Personal Information Dear Consumer, Financial Protection Bureau, I am writing to formally file a complaint regarding the inaccurate personal information reported on my credit profile. The details of my complaint are outlined below : **1. Description of Inaccuracy : **\ The following names and addresses associated with my credit report are incorrect and outdated : - Incorrect Names : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -incorrect Employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These inaccuracies must be removed immediately as they do not reflect my current or past personal information. 

**2. Legal Basis for Removal : **\ Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c ), consumer reporting agencies are required to maintain accurate and up-to-date records. The presence of incorrect personal information violates my rights under : - **FCRA 609 ( 15 U.S.C. 1681g ) ** : Grants consumers the right to request complete and accurate information in their credit file. 
- **FCRA 611 ( 15 U.S.C. 1681i ) ** : Requires credit reporting agencies to investigate and correct any inaccuracies in a timely manner, typically within 30 days. 
- **FCRA 605 ( 15 U.S.C. 1681c ) ** : Prohibits outdated and incorrect information from being included in consumer reports. 

**3. Impact of the Inaccuracy : **\ The presence of these incorrect names and addresses has caused confusion and potential misrepresentation of my financial records. It has also affected my ability to maintain accurate credit standing and may impact future financial opportunities. 

**4. Steps Taken to Resolve the Issue : I have attempted to dispute these inaccuracies with the relevant credit bureaus ; however, they remain uncorrected. Attached are copies of my dispute letters, responses from the credit bureaus, and any supporting documents verifying my correct personal information. 

**5. Requested Resolution : I request that the CFPB investigate this matter and require the credit bureaus to : - Remove the incorrect names and addresses from my credit report immediately. 
- Provide me with an updated copy of my credit file reflecting these corrections. 
- Confirm in writing that these inaccuracies have been corrected. 

Failure to comply with the legal requirements of the FCRA may result in further action. I appreciate your prompt attention to this matter and look forward to your resolution. Please feel free to contact me at [ XXXX XXXX XXXX ] or [ XXXX XXXX XXXX  ] should you require any additional information.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I requested a telephonic wire from my credit union to Chase Bank. We were displaced due to the XXXX XXXX in California and received funds from our insurance company to cover rent and security deposit. I contacted my credit union ( XXXX XXXXXXXX XXXX XXXX  XXXX XXXX / XXXX  ) and requested the telephonic wire due to the exigency of wiring the funds to a landlord to secure a lease on a rental property. 
The wire was supposed to be sent to XXXX XXXX XXXX and a Chase Account No. was provided. After a few days I was informed that XXXX XXXX did not receive it. 
I followed up with my credit union ( XXXX ) who were able to confirm that I provided the correct account name but incorrect account number for XXXX XXXX and the funds ( {$25000.00} ) were transferred into another Chase account. 
I have been working with XXXX XXXX, Assistant Branch Manager, XXXX, who has been in almost daily contact with several individuals at Chase Bank. Chase has stopped responding to XXXX management but initially said they are aware of the error and are " working '' on fixing it. This was the first week of XXXX. 
It is approaching 4 weeks and I am no closer to receiving my funds back. 
I understand that I made the mistake but Chase Bank does not seem to be actively pursuing the return of my funds. Without these funds, my landlord will start the eviction process and my family will have no place to live.
Product: Debt collection

My bank account was hijacked, my bank for my protection closed my account and card and send me new one. So my bank check my account and dispute XXXX transactions who was payment of my credit card. I contact my credit to make my regular payment and they told me that my account was closed due to payment issue so I made a payment right away and was told that my account will be reopen in fees days later. But nothing happen I send prove of account compromise letter send by my bank and follow up with credit card company who told me that the letter was never received this letter was send XXXX times and I just received a letter to the credit card companies who told me that I was too late and my account was send to collection. They just try to used they power to get more money on me after be a customer form more than 5 years.
Product: Credit card

I made a payment to pay off my us bank credit card in the amount of {$12000.00} and us banks system decided to take that payment out twice. So they overcharged me {$12000.00}. I called them right away once I noticed my checking account was in the red. I was told it would be taken care of right away, the next day the money had not been put back into my account, had to call us bank back and was then told I would have to wait XXXX5 days for the {$12000.00} to be given back to me ... ..I told them this was not an option and was not right for them to hold money they should not have removed from my account to start with, I never athorized {$24000.00} only the {$12000.00}. I have been on the phone for over 2 hours now trying to find ways that they can give me my money back. They just keep saying thy can not do anything. i am very very upset that they first off took that much money from me and second telling me they wo n't give it back to me right away. Thy will not release my funds for at least XXXX5 days and are not willing to do anything to fix the mistake their system made.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX 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: Checking or savings account

I received an email welcoming me to chime, despite my never contacting the company to open a new account. 

I then received another email telling me that a debit card was being sent to me. 

I went onto the website for Chime to see that an account in fact was created in my name, but had no balance. 

I then called Chime to close the account. 

I have received an email confirming that the account is being closed.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, I received a letter from Convergent Outsourcing stating that I owed XXXX for a debt back from XXXX in the amount of {$370.00}, but Convergent was willing to settle the debt for 65 % of the balance ( {$240.00} ). 

On XX/XX/XXXX, I sent a debt validation letter to Convergent because I had no knowledge of owing this debt whatsover. 

On XX/XX/XXXX, I received a letter from Convergent stating that they had satisfactorily verified this debt, and attached purported bills from XXXX with someone else 's name someone similar to mine. 

On XX/XX/XXXX, I sent a follow-up dispute letter to Convergent, informing them that again I had no knowledge of this debt, and to look at the debt validation " proof '' they sent me, it did not even have my name on it - it was someone else 's name. 

This debt should not be collectible, as I have provided ample evidence it is not my debt, and the validation " proof '' they presented bolsters my argument since my name is not even on the invoices they submitted as validation.
Product: Debt collection

XXXX XXXX collections we XXXX I was transferred to a guy in charge of my collections. My collections are old XXXX years and XXXX XXXX XXXX. They have fallen off my account. This place ran my credit 3 times without my permission. I asked the guy why he ran it he said he can without my permission he told me to get an attorney if I didn't like that. He said he would not remove all 3 inquiry and started verbally abusive yelling telling me other things not related to my inquire that if I'm mad because I don't have money that he can sue me, etc. This is the second time I speak to this same person. After the call I see another hard inquire he ran my credit after the call. I reported his conversation and fraudulent actions.
Product: Credit reporting or other personal consumer reports

XXXX the Higher Education Act and the real U.S. Department of Education regulates the Federal Consolidation Promissory which requires the Disclosure Statement and Repayment Schedule ( disclosure ) be sent at or about the time the fedral consolidation loan was distrubited, this is written on page XXXX of XXXX of the federal consolidation loan application and promissory note. XXXX send the Disclosure Statement and Repayment Schedule. The disclosure statement will have the federal lender name who orginate the federal consolidation note and education code, date money was distrubuted, what federal lender received the money, amount of money distributed and date of distribution, terms of repayment of the money, each federal loan promissory note consolidated from XXXX XXXXXXXX XXXX XXXX XXXX XXXX my federal lender, date the federal consolidation loan can be canceled, statement if the federal loan goes in default who can a person contact, my legal address and the federal lender orginator website address that the application was completed. XXXX without the Disclosure Statement and Repayment Schedule means no money was distrubited. XXXX on page XXXX of XXXX of the federal consolidation loan the loan holder name is XXXX XXXX XXXX, I never had a loan with XXXX XXXX, no entity exist with name of XXXX XXXX XXXX. Your federal consolidation loan was not consolidate with my lender XXXX XXXXXXXX XXXX XXXX XXXX XXXX why? The loans listed on page XXXX are not my federal student loans. XXXX send the E-Sign contract to verfiy the type printed name and my physical address as the application requires and wrote, no XXXX XXXX without a physcial address. 
XXXX you are wilfully in violation of the Fair Credit Reporting Act for not supplying the Disclosure Statement and Repayment Schedule. XXXX you have prevented me in obtaining a mortgage. I have to renew my lease for higher rent payment. XXXX you have damaged me. XXXX it does not take up to 60 days to send me the Disclosure Statement and Repayment Schedule in which is manditory. With in four days after receiving this complaint XXXX does not send me the Disclosure Statement and Repayment Schedule my summons and complaints is ready to file. 
XXXX send me the Disclosure Statement and Repayment Schedule now.
Product: Credit reporting or other personal consumer reports

My loan was Forgiven effective XX/XX/XXXX, I received the confirmation letter on XX/XX/XXXX. The letter states that the credit bureaus would be notified by the end of the month and my status updated. I followed up with XXXX in XXXX because I did not see a change on my credit report the next month and was told on the first initial to send the credit bureaus the letter I received and to dispute the item, but that they had reported on the XXXX of that month and I should see the change in XXXX, I did this and the credit report investigated and said that XXXX had confirmed that the account was still open and owed and did not remove it from my credit report. I contacted XXXX again and was subsequently told it takes sixty days from the time the loan was forgiven to be removed from the credit report and that it should be reported at the end of XXXX and I should see an update to my credit score in early XXXX, when XXXX came and there was still no update to my credit report I contacted XXXX again and was subsequently told that it takes 90 days from the date of the letter for them to update my credit report and that since my letter was dated XX/XX/XXXX that XX/XX/XXXX would constitute 90 days and that after that If I had not seen a change to my credit report by the beginning of XXXX I could contact model and that is when they would have to take action. When XXXX rolled around and there was still no change in My credit report, I contacted XXXX again and this time was told that all the prior information I had received again was incorrect and that it takes 90 business days for them to report the status to the credit bureaus. I have been given incorrect and false information every step of the way and it seems they keep changing the timeframe based on rules that I am not made privy to. However what I do know is that before my loan was forgiven it was reported accurately every month on the last day of the month like clockwork, yet for whatever reason now they are unable to report it for 4 months going on five and according to their new calculation 6 months, which seems unnecessarily long to manufacture an update that has been confirmed with several letters and clear statement showing I have a XXXX balance. I am complaining about the lack of valid information I have received, the inability of the servicer to practice due diligence and the long timeframe that basically is negating everything having a loan paid off should do, because if they are not updating it with the credit bureaus it still looks like I am carrying that debt.
Product: Student loan

on XX/XX/XXXX I applied for the new SAVE plan rather than continue with the PAYE plan for my student loans after utilizing the studentaid.gov website tools and deciding

SAVE was the best plan for me. Using the federal website, I was able to easily apply and from what I understand attach my tax information to my application. I applied when I did to ensure my loan repayment would start ON TIME. However, Mohela has demonstrated an incredible incompetence despite the THREE YEARS they had to prep for repayment on top of what I hope is not gender based discrimination based on the fact that I am the sole income earner in our household.

Mohela denied my SAVE application on XX/XX/XXXX stating they needed my husband 's income for the application thus putting my loans in Forbearance. I am now worried will cost me thousands of dollars in accruing interest and may ruin my streak of on-time auto-payments. On the list of accepted documents for my husband 's income Mohela sent me they stated the would accept a tax return which is confusing because I was under the impression they had received MY tax return which is also HIS because WE FILE JOINTLY. It also states on OUR TAX RETURN he is UNEMPLOYED and has no income.

When I reached out to Mohela they took months to respond to my online messages. I sent two messages on XX/XX/XXXX and XX/XX/XXXX and did not hear back until XX/XX/XXXX. Additionally, their responses were not helpful at all. I submitted multiple documents on XX/XX/XXXX confirming that I am the sole income earner in our family and had not heard back until the XX/XX/XXXX message. I assumed after three weeks they would not contact me unless I contacted them so I attempted to call them on XX/XX/XXXX despite their repeated pleas not to do so. Their caller wait queue had put me on hold for over XXXX hours before I finally could talk to someone regarding my issue. I was told then to wait a week for my application to be processed but it is STILL NOT PROCESSED and it has been MONTHS. 

I attempted to call again on XX/XX/XXXX after a week had passed and they at least had a virtual queue implemented. I was told my application would be processed soon and I should wait another week. I called AGAIN on XX/XX/XXXX after waiting a MONTH with no update and I was told they had no way of letting me know how long my application would take despite my forbarence ending on XX/XX/XXXX. When I asked them if this meant " processing '' meant they could confirm my application had been received but had no way to confirm if it had been even looked at after three months I received no definitive answer. I asked if they could at least extend the forbarence and I was told that would take XXXX - XXXX business days. It is now XX/XX/XXXX and I don't even have confirmation that a forbarence extension request has even been submitted for my account. 

Aside from the abhorrent handling of what is usually a quick and easy process for me to reapply to an IBR plan I am also beyond frustrated with Mohelas inability to respond to issues in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to handle this with Equifax many times. Be advised that this is causing financial damages and emotional duress.. Equifax has failed to provide an appropriate LEGAL and LAWFUL responses & will result in further action. Failure to provide such response within 7 calendar days will be constituted as your acceptance that this debt is not valid. 
Please verify, validate and document that I XXXX XXXX XXXX is LEGALLY obligated to pay this alleged debt. A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX. {$0.00} XXXX
Product: Debt collection

Received a collection/charge off on my credit report by this company. Have tried numerous times to dispute with all credit bureaus to no prevail. Have contacted collection agency to validate debt and have gotten the runaround demanding that I pay them. Have been harassed with phone calls and countless letters. Not once was I provided evidence authenticating the debt at question. Never received proof or validation that debt belongs to me. Have yet to see a single signature of mine validating that the debt in question belongs to me. My credit score has dropped over 100 points because of this incorrect collection/ attempt to collect false debt from me
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is up to date and payment missed was due to forgetting to make the payment, on the date of the payment more than enough money was in the bank to make the payment. I have attached a photo showing the account is not past due.
Product: Debt collection

I sent a valid police and FTC report to affirm to make them aware of myself being a victim of identity theft and they did not accepts my documents.
Product: Vehicle loan or lease

Did not no for 2014 XXXX was XXXX XXXX he told us something different and they would let me go by social security income and the car is XXXX holder name which he it was too high for me they is some rude people and cut the car off if u one day late thats wrong when I told them I get a check on the first of the months.so I would love that to go off my credit. In the XXXX XXXX  was that came from car mart was a lemonade and that the man name XXXX work down there told me he just want use my income for the person that got. Car and he stilll add my name to car when u told him not they rude also lady. Name XXXX and I be call heads company and told them what boy did they my names didnt post go on the car period so he ack did some fraud stuff that was wrong and I told the lady can she please take off that car car/mart in XXXX Ms
Product: Checking or savings account

I created an online account with XXXX last month ( XX/XX/year> ) in order to manage a freeze I had previously placed for credit inquiries. 

XXXX apparently has a new feature in which anyone that creates an online account to manage their credit reporting or freezes AUTOMATICALLY creates a digital checking account in that person 's name, without their consent or even knowledge. 

Subsequently I continue to get semi-daily notifications to my email saying that " my account balance is {$XXXX} '' with prompts to add funds to it, for an account I never knew existed and never wanted. 

There is no ability to close this account or turn off those notifications, and they force you to call in order to manage or close this account. 

Upon calling the lines on several occasions trying to resolve I am placed in a queue with wait times of XXXX or more.
Product: Debt collection

This is the second complaint I am filing against Plusfour , Inc for illegal collection activity. Plusfour is not a licensed consumer collection agency in the State of Florida where I reside. I filed the original complaint against Plusfour on XX/XX/XXXX. Plusfour responded on XX/XX/XXXX and acknowledged that they are not a licensed collection agency in the State of Florida. Plusfour has continued their illegal collection activity by reporting the collection account to XXXX, XXXX, and XXXX. They have reported the account three times to XXXX in XXXX, XXXX ( See attached ). I have recently been informed by my attorney that Plusfour was sanctioned on XX/XX/XXXX by the Florida Attorney General and the Florida Office of Financial Regulation for operating as an illegal consumer collection agency from XXXX through XXXX ( See attached ). As a result of their illegal activity, Plusfour restricted from conducting any consumer collection activities in the State of Florida until XX/XX/XXXX. Section 4 ( c ) of the State of Florida Settlement Agreement specifically states - Respondent shall not engage in any activity pursuant to Chapter 559, part IV, Florida Statutes, which requires a registration from the Office unless properly registered. Further, Respondent shall not act as a control person, as that term is defined in section 559.55 ( 4 ), Florida Statutes, of any consumer collection agency registered by the Office nor shall Respondent apply for any registration pursuant to Chapter 559, Florida Statutes, for a period of five ( 5 ) years from the docketed date of the Final Order adopting and incorporating this Settlement Stipulation. At this point, I am willing to cooperate fully with all State and Federal investigations into Plusfour regarding their illegal collection activities. If this account is not deleted immediately from all of my credit bureau files, I will instruct my attorney to file a lawsuit against Plusfour for their illegal collection activities, and will be seeking damages and attorneys fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

in the Equifax credit company I see some debts that do not belong to me for {$2500.00} from XXXX XXXX and another {$1000.00} from XXXX  XXXX XXXX, the dispute and the information were passed to this company and they do not answer me and this is causing me credit problems and I contacted the companies named above and they inform me that the error is equifax since they do the macheo and does not match the data of the person of the debt with my personal data.