23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX I submitted a PSLF application to Mohela. I noticed a couple months later that the PSLF application had been processed however my account says employment was not certified from XX/XX/XXXX to XX/XX/XXXX. I called in XX/XX/XXXX and was told by a Mohela representative that this would be a " fast fix of 3-5 business days '' after the reviewed my PSLF application which shows my employment with the XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I called again on XX/XX/XXXX and explained the situation to a Mohela representative. The representative said that my signature was the issue, so I resubmitted the application with a wet signature on XX/XX/XXXX. On XX/XX/XXXX I noticed that my account shows my PSLF application submitted on XX/XX/XXXX as a duplicate. I called again on XX/XX/XXXX and was told again that it would be a " fast fix of 3-5 business days ''. This has clearly not been the case. I am working to keep up my employment verification on a regular basis and Mohela is failing the consumer and their Federal contract by not processing PSLF application correctly. 

In addition, I wrote to Mohela on XX/XX/XXXX and stated : Two of my loans ( DL Consolidation Subsidized & DL Consolidation Unsubsidized ) show that I have an additional qualified payment from XX/XX/XXXX while my other loans do not reflect XX/XX/XXXX. I believe this is an error as I was in repayment at that time and qualified for PSLF ( as my most recent PSLF form will show ). Could someone look into this issue and reflect XX/XX/XXXX as a qualifying payment for all my loans? 

I received a response that since I called into Mohela that they " assume the issue has been taken care of ''. When I responded back via the messaging application that this was a separate issue I called about and that I still need an answer about the XX/XX/XXXX qualifying payment, I received no response.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact 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
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX -- -INQUIRIES -- XXXX XX/XX/year> : XXXX  XXXX XX/XX/year> : XXXX XX/XX/year> :
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COMPANY WHICH IS LISTED HAS FAILED TO ASSIST ME WITH MY PROBLEM WHICH HAS CAUSED LIFE VERY STRESSFUL AND HAS CAUSED ME TO LOSE MY JOB AND BEEN LOSING ON ALOT OPPORTUNITY. 

XXXX XXXX  Account number XXXX Date opened XX/XX/2015 Balance {$3800.00} XXXX XXXX XXXX XXXX XXXX, DE XXXX
Product: Debt collection

The collection account in the amount of {$7900.00} that is being reported illegally on my credit report. I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX XXXX ; They DID NOT provide me with the ORIGINAL contract as I requested. They are also reporting them as being the ORIGINAL CREDITOR which is false Thank You. I have no clue of this debt and have asked them multiple times for the ORIGINAL contract with my hand signature provided agreeing to terms of this contract. This was requested over 30 days ago. They have failed to meet guidelines provided within FCRA Handbook and would ask that this promptly be deleted from my credit report
Product: Checking or savings account

I am filing this complaint regarding Robinhoods unjustified restriction on my ability to perform instant debit card cashouts from my account. I have been a customer of Robinhood for many years and have consistently adhered to their terms of service. 

Recently, my bank underwent a transition in their debit card system, which caused a reversal of one of my instant debit card cashouts. This situation was beyond my control and was directly related to the changes implemented by my bank, not due to any fault or misconduct on my part. 

I believe this reversal had something to do with this ridiculous restriction, As a result of this reversal, Robinhood has restricted my ability to instantly cash out my funds to my debit card. This restriction has caused significant inconvenience and financial strain, as I rely on these funds being available promptly. I understand the need for security and compliance measures ; however, this restriction is both disproportionate and unjustified given the circumstances. 

I have reached out to Robinhoods customer service to resolve this matter, but I have not received a satisfactory explanation or solution. I am requesting the CFPBs assistance in addressing this issue promptly and ensuring that Robinhood lifts this unfair restriction on my account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX Account number ( XXXX ) .This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. The aforementioned account, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer account and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

Several weeks ago I used a Public Library computer ( @ XXXX ~ # XXXX ) to request all three credit reports from www.annualcreditreport.com ~ I was not successful in my attempt ... so, I called the attached telephone number and ordered all three credit reports once again ( or so, I believed ). On XX/XX/2017 I received via @ USPS first class mail a credit report from @ XXXX and @ XXXX but @ Experian_US only sent a letter stating I had already gotten my credit report from their company. I have tried to contact @ Experian_US ( XXXX ) without any assistance in resolving my issue. @ CFPB Please help me retrieve a copy of my credit report from @ Experian_US.
Product: Checking or savings account

I set up an interbank transfer of XXXX from my Citi account to my XXXX account on XX/XX/2023 and successfully cancelled the transfer on XX/XX/2023. However, Citi has been holding up the funds as an ACH Debit Pending ever since. I called Citi and the representative was not sure when the funds will be added back to my account. 

Transfer Reference Number : XXXX
Product: Debt collection

I received a vmaill message on XX/XX/2018 stating " Uh yes, Good Morning XXXX XXXX my name is XXXX contacting you from the office of Midland. I just received an email from one of our compliance officers stating that you are refusing to sign for your documents. If you could please contact the office and we can discuss the paperwork at XXXX ummm XXXX XXXX if I dont receive your phone call today, you leave me no other choice we will be submitting a plea of willful evasion against your name and social security number to the county first thing tomorrow morning, again XXXX thank you '' There is no name on my vmail so how do you know you are leaving a message on the correct phone # XXXX you are calling and making threats.
Product: Bank account or service

We have had a Home Equity Line of Credit ( HELOC ) in good standing with First Tennessee Bank since XXXX. We just received a notice from them stating that " The draw period for our HELOC ends on XXXX XXXX, XXXX. '' After calling them, we were told the HELOC is being discontinued because of their rule change - nothing we did or agreed to ever mentioned an end to the draw period. We now have to find another HELOC, including a full income verification process, past 2 years of documents, etc. This is a very cumbersome process at a time when one of us in unemployed, and the market has devalued so we are not likely to get a similar value on a new line of credit. We are not big fans of the process to get a home loan, and that is what we are being forced to do through no fault of our own.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Companies {$3700.00} XXXX Companies {$2100.00} XXXX {$220.00} XXXX XX/XX/XXXX XXXX was contacted by attorney for payment settlement offer and respones exceeded the insurance for pay out. XXXX opened XX/XX/XXXX & XX/XX/XXXX. Settlement with XXXX company was on XX/XX/XXXX. My attorney contacted XXXX XXXX, XXXX ( XXXX XXXX ) numerous times to no avail. I directed them back to my attorney and have since received numerous calls at all hours of the day. 

XXXX XXXX  XXXX XXXX {$53000.00} XXXX XX/XX/XXXX XXXX was contacted about student loan forgiveness application being submitted. They steadily increase the interest which has risen from {$33000.00} to {$53000.00}. XXXX Opened XX/XX/XXXX. XXXX closed down citing financial challenges and accreditation issues. No transfer of credits. XXXX XXXX debt clean. 

In accordance with the Fair Credit Reporting Act Convergent Accounts XXXX XXXX, XXXX and XXXX XXXX. of XXXX have violated my rights. 

15 U.S.C1681 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

I've sent several letters to the credit bureaus and XXXX company in reference to removing late payments from my credit report because it is unlawful. I have tried to send XXXX XXXX letters as well due to my medical emergencies and XXXX but they did not attempt to resolve it and assist me even though I have currently caught up on my payments.
Product: Credit reporting or other personal consumer reports

XXXX is reporting an account incorrectly. 
XX/XX/XXXXXX/XX/XXXX with a paid balance of {$3000.00} is showing remarks as payment after charge off/collection. Payment deferred. It was never charged off, and certainly was NOT ever sent to collections, and the business has verified that. I will include my emails back and forth from the company and they indicate they have tried to fix it several times and that XXXX is refusing to fix it.
Product: Debt collection

collector wants to charge me for phone appointments that we never had. I do n't have any writing agreement with them. I refuse their services and they keep calling me to make appointments. then they want to charge me.
Product: Student loan

I have paid XXXX to XXXX through ACSI ( as of  XXXX, XXXX ) on this student loan payment ( and related garnishment ) should be complete. However, XXXX and ACSI has added arbitrary fees and charges throughout the course of my multiple complaints ( CFPB and Dept. of Education ). XXXX has misrepresented the amount and related charges only to profit by misleading information about my student loans. The amount of additional charges has almost doubled and XXXX has lost paperwork, misapplied payments, added surprise late fees and also delayed processing of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuse to provide proof of a company having factual information to pull my credit. i reached out to the company and they sent me a letter to have it removed but equifax refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE WERE ALL OBTAINED IN MY NAME BECAUSE SOMEONE STOLE MY IDENTITY 3 YEARS AGO. I HAVE BEEN DEALING WITH AND THE CREDIT REPORTING AGENCIES ARE NOT REMOVING THEM FROM MY REPORT. I HAVE FILED MULTIPLE POLICE REPORTS. PLEASE HELP XXXX/XXXX/XXXX  XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$8300.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$14000.00} XXXX XXXX XX/XX/XXXX {$890.00} XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX {$28000.00} XXXX XXXX XX/XX/XXXX {$6100.00} INQUIRIES DUE TO IDENTIY THEFT 1. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX9 5.XXXX XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.  XXXX XXXX  XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX   XX/XX/XXXX 11. XXXX XXXX  XXXX XX/XX/XXXX 12. XXXX  XXXX XX/XX/XXXX 13. XXXX  XXXX XX/XX/XXXX
Product: Debt collection

I have XXXX accounts opened on XX/XX/year> from Credit Management Company with XXXX XXXX XXXX. I was not notified of this debt nor was I ever at this location receiving medical attention. This is fraudulent and I need it to be removed from my report. XXXX account is XXXX and the other is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from XXXX XXXX on XX/XX/XXXX, I did have some issues with repairs during that time the company did fix the issues, ( some and others we had to deal with ourselves ) ; however I have been having issues with XXXX XXXX reporting my loan information correctly. The first time I contacted MM was in XX/XX/XXXX and requested, for XXXX to correct the loan and monthly payment amount, they corrected the loan amount and still had the incorrect monthly payment. I was checking my credit back in XX/XX/XXXX, still was not fixed I waited and check again in XX/XX/XXXX and notice again the information was wrong with XXXX XXXX, so I contacted the business and Experian to report incorrect information on my credit with XXXX XXXX, once again the loan and the monthly payment amount was incorrect. I spoke with XXXX and she told me XXXX   have changed their reporting company due to issues, so I asked her why I have to keep dealing with this issue, she stated I wasn't the only one dealing with the issue, as if I was supposed to feel better. Then she proceed to tell me I need to contact the Credit Agency and dispute, well I had already filed the dispute twice and this would be the 3rd time  disputing. When I called Experian they told me to contact the Business, so I contacted XXXX again she was very rude, when I was telling her this information about my credit and that their company is reporting fraudulent information. Since XX/XX/XXXX Experian have tried to contact XXXX  for a month to get the correct information. Now I notice with All Reporting Agencies, XXXX XXXX loan has been closed on my crediting report, of course I am still paying and still trying to find out what I need to do to get this information corrected on my credit report and now working on getting XXXX  to report my car loan. The loan amount is currently {$13000.00} and the monthly payments is XXXX, however I pay XXXX - biweekly, never been lately or missed or payment. So now inaccurate information remains after the complainant disputes it, and now they are not reporting the information to any Credit Agency. The owner did reach out but he was asking me to send him information to show my loan amount and my credit report to show the loan is closed. If the finance department is reporting my loan information to their reporting company and the report company notifying the Credit Agency, why do I have to do their leg work? If I was late or stop paying they would rush to report. I also wanted to know if XXXX  ( private financing ) have to report the interest on my loan to the Credit Agencies, or should they only report the loan amount. Personally I feel if I am paying Loan + Interest, every thing should be reported. Thank you for your time and assistance with this matter.
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, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, FACTUAL DATA/XXXX XXXX add a hard inquiry on my credit reports. 

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 card

I was a Chase Bank credit card customer. 
Yesterday, Chase Bank closed all my credit card without any notification. 
Next day, I called to Customer Specialist and she said my account was closeddue to 1 ) Limited credit history, 2 ) High utilization. 
I could not understand XXXX reason to close my account. 
1 ) Limited credit history? 
This credit factor was already reviewed when I applied the credit card. 
They already knew my credit history. However, they closed due to limited credit history? 
2 ) High utilizationThe reason why I had a lot of expense is my engagement. 
Because me and my fianc planned to travel to other states. 
Also, when I called to the customer center and security department due to using my credit card, nobody told me about high utilization. 
I am really wondering why Chase Bank closed my account before due date. 
My due date is XXXX. And I could afford to pay full payment even month ( I made a full payment today ). 
Chase bank consider me as a risky person even though my due date is not coming? 
I think many people have a time to have a lot of expense. 
But I always using the credit if I could make a full payment. 
I am upset because they consider me as a risky person even though I can easily pay for it. 
The reason why I used Chase Bank credit card is that I would like to build good relationship with Chase Bank. After this event, I am searching similar case with Chase. And I was shocked there a lot of case they closed account WITHOUT NOTIFICATION. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for credit with TD bank / XXXX. 
I have advised the company that several cards were applied for around this time so my information was compromised. But they haev refused to fix the matter stating that no credit was issued. The inquire was a hard nit to my credit and is affecting my credit because of it. They have become non responsive.
Product: Credit card or prepaid card

I applied for a XXXX XXXX credit card at XXXX & XXXX XXXX XXXX. I normally do not apply for store credit cards as it means a credit pull and it impacts my score but I was buying a {$2000.00} card and the promo was that the purchase tax would be waived if I used XXXX. XXXX responded with I will be informed via mail within XXXX business days, which normally means a decline. I was shocked as my XXXX XXXX was XXXX. After more than two weeks I called customer service and I was sent around in circles with no answer but wait for the letter. I tried again after 3 weeks and I had the same problem. No one had the access to give me an answer and I was finally transferred a fourth time and the question was did you get a letter and I said No and I was cut off. Comenity Capital Bank which offers XXXX is breaking all the consumer regulations. My score dropped XXXX points because of the pull and I have XXXX added to XXXX  pulls in 3 years which reduces my score and I have no reason for the decline. Thanks XXXX XXXX
Product: Checking or savings account

I made XXXX deposit and PNC sent me a email saying that the fund would be on hold until XX/XX/XXXX then on XX/XX/XXXX I received emails saying the funds were released and until today the funds are NOT released and no one could tell me why
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL DISPUTES SENT WITH NO RESOLVE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent you a written request to validate my debt having with   XXXX   XXXX   company and received a letter in the mail with an account number and the collection name but not a signed contract or any form of verification linking me to this account via contract. What is even more concerning is that after careful review of this account, the account is listed, not once but TWICE! After reaching out to the collection company, they refused to remove the accounts and informed me that they do not have to verify the debt because they are not the original creditor. Now, I am attempting to resolve this matter with the Equifax to resolve this unlawful practice that is negatively effecting my borrowing potential and credit worthiness. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. I hereby notify that you are now in violation of the FDCPA and subject to a fine of {$1000.00}. I would love to resolve this issue without getting other parties involved and restore my trust in your credit reporting agency.
Product: Credit card or prepaid card

On XXXX the XXXX and XXXX the XXXX XXXX made numerous changes to my American Express bluebird card for a total of {$600.00}. I never order or received any products from XXXX. I have been unable to get a refund from XXXX or American Express. Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never signed for this mortgage. I was XXXX XXXX military when the loan was done and was not present or even in the state at the signing. I did not give authorization for anyone to put me on the loan. The loan documents clearly show that I did not sign. I am not XXXX XXXX. I am XXXX XXXX XXXX. Furthermore. XXXX XXXX, the sole Mortgager, has acknowledged that she was the only one on the documents and that XXXX XXXX was added months later without her acknowledgement or permission. It looks as if someone added XXXX XXXX afterwards with a different date. Its completely fraudulent.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and 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 redres-for these violations.