23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for full PSLF in XX/XX/XXXX as I successfully attained over 120 qualifying months on all of my student loans. On XX/XX/XXXX, I noticed that my form was processed, however my qualifying counts reduced from well over the required amount to XXXX on each loan. According to MOHELA 's site, all of my payments made from XXXX to XXXX were ineligible as they claim I was in forbearance at the time. I was not in forbearance but was in repayment for that entire time, and I regularly submitted documentation to update my payment counts, showing that I had qualified months due to my payments. I was with XXXX and then XXXX during that time, however my loans were transferred to MOHELA just last year. My loans should be now eligible for forgiveness as I followed all required criteria, however it seems that MOHELA is stating I still need several years of payments as they are not counting any of my previous payments that were already approved. I have a document showing that all of my loans were qualified on MOHELA 's site prior to this update that may be shared, if needed.
Product: Money transfer, virtual currency, or money service

Hello, I was a valid user of CASHAPP until I lost my phone around XX/XX/XXXX and someone hacked my account and transferred {$2500.00} from my account. I was refunded my money but my account was cancelled and I have not been able to use CASHAPP since XX/XX/XXXX. I feel my account was cancelled wrongly.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$5400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX  XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXX XXXXXXXX XXXX Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - XXXX XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX  Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXX XXXXXXXX XXXX  Balance : - ; XXXX XXXXXXXX XXXX Date opened : XX/XX/2022 Balance : - XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : {$6900.00}.
Product: Debt collection

XXXX sent me a shut off notice around XXXX XXXX for {$110.00}. I immediately sent them {$15.00}. They know that I have a partial XXXX and am on a fixed income. But, they shut me off anyway ( The money order may not have made it before the shutoff ). I then sent them {$27.00} the following month towards a {$120.00} bill ( I had not realised that they sent me a collection fee of {$18.00} and did not understand why the bill was different but thought it was just the last reading ). The name of the collection agency is Convergent and I have contacted them because their bill states {$130.00}. At this time, I do not have the account # for Convergent, but do have the XXXX account # XXXX for which I have paid {$42.00} of the {$120.00}. Convergent states I owe {$130.00} even though the current online XXXX states {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file the are a few student loan entries that does not belong to me, these student loans are a result of identity theft, which resulted with me filing a previous police report back in  XXXX , with the University  XXXX   XXXX . These student loans were opened up unbeknownst to me which I was incarcerated ( date of  XXXX  Date the fraud occured :  XXXX / XXXX / XXXX  ; amou nt ( s ) :  {$1700.00} ; {$3000.00} These students loans are old and have been sold, repackaged, or transferred to another agency/ or department. The student loan issue was litigated back in  XXXX , and have since been removed from my report  (   XXXX   XXXX   XXXX  University  XXXX   XXXX  and  XXXX  ).     Now, I Have "   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   posted on my report from the same time period the prior students loan information post posted previously, dating :  XXXX / XXXX / XXXX .     This same issue with the fraudulent student loans has come back and repackaged.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : 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 XXXX XXXX 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. These fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX on XX/XX/XXXX account number XXXX and a credit card account opened at XXXX CARD on XX/XX/XXXX account number 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 XXXX 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

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus 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 accounts that are reporting on my Credit Reports : TransUnion : XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I have a mattress firm credit card thru SYNCHRONY bank I had my credit limit raised to XXXX from XXXX I owed about XXXX on card I used it to buy grand son a new bed costing XXXX I tried to buy sheets for beds costing XXXX they lock my account for this claiming fraud then when I called them they tell me I have to send a picture of me and a picture of my DL to them to unlock this account which I refused to do so they refuse to unlock my account so I can not use my card to buy anything else
Product: Payday loan, title loan, personal loan, or advance loan

I was behind on loan. I spoke with the manager and she told me if I made 3 payments, she would update the loan to current and report it to the credit bureau. I have made 3 payments and have called twice to talk to her about updating the status of my loan. I have even filled out a form for recurring payments. I want my account status updated to current as promised and reported to the credit bureaus.
Product: Credit card or prepaid card

either pnc credit card remove my email address or close the account. how manny more times need i repeat this? i am not a compliant robot. get a robot not me if pnc wont take out my email address. no text. no email. everything by paper and by call. all calls recorded. dont like it get another custommer. write a response now by paper. 

Pnc keeps emailing XXXX but pnc has been repeatedly told to delete this email address because it is not working and unwanted. 
If pnc wants to deal with a compliant robot let pnc get another customer or maybe some sucker in a third world country. Remove this email address. Only send statements by usps mail. I have no cell. If pnc requires a cell close this account. I can not buy a cell and wont. 
Let pnc get another customer. I am a noncompliant customer. Want a robot pnc? Get someone else., take this email address out now. 


Your PNC credit card statement ending in XXXX is available. 
Credit Card ... XXXX Statement Date : XX/XX/XXXX Sign on to Online Banking at pnc.com to view your statement. 
Thank you for banking with PNC Bank. 
This mailbox is not monitored. Please do not reply. Account-related questions can only be answered via secure forms of communication such as our Online Banking Message Center. Please sign on to send us a secure message. If you would like to speak to Credit Card Customer Service, please call XXXX ; 24 hours a day, 7 days a week. For Business Credit Card Customer Service, please call XXXX ; Monday through Friday XXXX to XXXX ET, Saturday & Sunday XXXX to XXXX ET. 
Visit pnc.com to view our privacy and security policies. 

XXXX The PNC Financial Services Group , Inc. All rights reserved. : : ( N )
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion & XXXX is reporting inaccurate Information from XXXX XXXX XXXX. This company is not registered or licensed to collect debt in the amount of {$2700.00} in my state of Massachusetts.
Product: Debt collection

I refuse to pay any debt to MIDLAND CREDIT MANAGEMENT account # : XXXXXXXX, XXXXXXXX XXXX, and I'm challenging its completeness and accuracy based on violations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The relevant federal codes are 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) for false credit info, 15 U.S.C. sec. 1692e ( 8 ) for spreading false credit details, and 15 USC 1692d ( 1 ) & ( 2 ) for using threats and obscene language. 

There are also violations under 15 USC 1692F ( 7 ) & ( 8 ) for postcard communication and improper language/symbols. The breach of XXXX compliance is under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I'm asking for immediate action, specifically deleting derogatory info from my consumer report. According to the FDCPA, I have the right to challenge false information, supported by proof of inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) and deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). 

I want a quick resolution, and if not sorted within 20 days, I'll take it to the United States District Court XXXX XXXX of North Carolina.
Product: Credit reporting or other personal consumer reports

15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
2 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. request a thorough investigation into these inaccuracies.

3 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed.
Product: Credit reporting or other personal consumer reports

My credit report has been negatively impacted by unapproved hard pulls. Under 15 USC 16c-2, I request their immediate removal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX DOB-XX/XX/XXXX SS : XXXX I sent a letter out on XX/XX/XXXX to Transunion and However , the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15.U.S code 1681a-Definition : rules of construction. 

The term investigation Consumer report means a consumer report or portion of thereof in which information on a consumers character, general reputation, general characteristics, or mode of living is obtain through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he his acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who they talked too. 

How did they complete this investigation? 
Thank You
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax data breach in the attachments
Product: Debt collection

Wakefiled and Associates continue to try to collect and debt that was included within the Bankruptcy, after 2 yrs they have finally stop bothering me and has removed the item from my credit. what actions can be taken because they disregarded the stay?
Product: Debt collection

Portfolio Recovery Associates, amount is XXXX. Account Portfolio Recovery Associates shows the account was paid off. I have no knowledge of this account. I have disputed this account with XXXX, XXXX and XXXX and also sent Portfolio Recovery Associates a debt validation
Product: Checking or savings account

I have a checking account with Key Bank in Washington state. I have my paycheck from work automatically deposited there every other Friday ( our payday ) and I bought a car 3 years ago and have my monthly car payments automatically debited from my Keybank checking account. About 1-2 months ago, I received a letter from Keybank telling me that my account will be closed soon because it does not show any activity. I called keybank and asked what the letter means and if I have to do anything about it. The keybank customer service person said that he checked my account and he can see the activity or transactions- the automatic deposit from my employer and the monthly car payments. I also occasionally make payment to my credit card using the app. I also log in to my account every other Friday to check my paycheck deposit. On XX/XX/20, I was shocked because when I logged in to my Key bank app, it says my account is closed. I called Key bank and they admitted that my account is closed and that my funds were sent to the state. They told me that what their customer service person told me was wrong. Key bank said that I needed to make a transaction- use my debit card, write a check or go to the bank in person to deposit or may physical transaction. They said my paycheck automated deposit from my employer nor the car payments are not considered an " activity '' and so my account was closed. They told me to go to the unclaimed property website and find my state and claim my money. They are sorry that they gave me the wrong info when I called after receiving the letter. i checked the unclaimed property website and my money is not there and also my car payment was missed. Pls call me for additional info - XXXX
Product: Credit card or prepaid card

I have always made timely payments on this account and it is causing me great XXXX  to see an inaccurate late payment on my account. I never miss paying this account and it is unacceptable to see this mistake. Please update my account as soon as possible and remove the inaccurate late payment so that I can rest easy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shows an account that was opened with bank of america and closed in XX/XX/2017. I have never opened an account with bank of america before. It shows account was paid in full with a charge off amount of XXXX. 
This is preventing me from opening up a checking account and need to have it removed as it is an error or someone has used my information.
Product: Credit card

In XXXX, discovered that Wells Fargo had opened a credit card account in my name without my knowledge or consent. I was unaware of this account until I reviewed my credit report. 

Upon noticing the unauthorized account, I immediately contacted Wells Fargo to dispute the account and request its closure. I also mention any actions taken, such as disputing with credit bureaus, or contacting law enforcement The account had a balance of XXXX, and I never used or authorized any transactions on it. Despite my efforts, [ describe any challenges, such as lack of response, failure to resolve the issue, impact on credit score, etc. ].

I am seeking a full resolution, including the closure of the account, removal of any negative impacts on my credit report, and reimbursement of any fees or damages incurred.
Product: Mortgage

XX/XX/XXXX I contacted Mr Cooper loan services/ Nation star Mortgage LLc to investgatate as to why my home mortgage loan has NOT been reported to the national Credit Bureaus. After many hours of phone conversations, and finally a response letter from Mr Cooper XX/XX/XXXX, stating that they needed a filed reaffirmation agreement from my Chapter XXXX bankruptcy that was filed in the year of XXXX in order to report my loan to national credit bureaus. This company obviously reaffirmed my loan, as I have been making them payments for years. 
My last conversation with a Mr Cooper represenative XX/XX/XXXX, and said that they will absolutely not report my loan status to reporting agencys without a reaffirmation letter. My bankruptcy attorney sent a letter to me, and the lender stating that the judges in this district Do Not do affrimations of mortgages, and there is nothing that they can do at this point.

Mr. Cooper/Nationstar Mortgage has repressed my credit scores, and financial abilities.
Product: Money transfer, virtual currency, or money service

I was told by this particular seller that they only used XXXX as a payment. And since it could be used through my bank, I thought it was save. I had no idea that the bank would tell me that since I authorized the payment that it wasnt initially fraud. I dont feel protected at all. I downloaded XXXX, and sent the money and was told by the seller that I would get all the information I needed to get the XXXX home. Shortly after, I was blocked. My bank told me there was nothing they could do. Even with knowing that XXXX is a new scam. Theres nothing the app that tells you to only send to family and friends. I was under the impression that XXXX was created as a save money transaction between sellers and buyers. No customer service number from XXXX, or anything. Out off XXXX bucks.
Product: Credit reporting or other personal consumer reports

ability recovery is report incorrect information which is fraud they fraudulent place information on my credit knowning it was fraud. i have never a had a contract with this company or any dealings with this company they have no sign agreement with this company. this was already remove from my credit before for inaccurate information they have fraudulently place it back on my credit with a fraudulent amount on my credit fraudulent date showing open account.and them being the origanal crediort with is all fraud and place it on my transunion report .knowing it was fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, XXXX XXXX, and NORDSTM/TD. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and NORDSTM/TD with no successful resolution. There was definitely an error on their part.
Product: Mortgage

I applied for a mortgage thru XXXX, affiliate of XXXX to purchase a XXXX home, I submitted a {$10000.00} deposit to XXXX. The loan was not approved due to the sale of my current home not going thru and I have since been denied the return of my {$10000.00} deposit from XXXX. See communication from XXXX, XXXX, XXXX # XXXX Phone # XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to to fulfill its legal obligation, under the fair credit reporting act ( FCRA ) to conduct an investigation of disputed information on my credit report. Leaving inaccurate, or unverified accounts unresolved the consumer financial protection bureau ( CFPB ) has recently filed a law suit against Experian, alleging systemic issues such as forwarding consumer provided evidence to furnishers accepting unreliable responses and failing to notify consumers of disputed outcomes. These failures align with my experience where Experian has neither corrected nor removed, disputed items with the evidence I provided causing harm to my credit report I am requesting immediate corrective action to remove disputed accounts as Experian inaction violates my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$4600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account.