23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, my student loans were transferred from Edfinancial to XXXX. In XX/XX/XXXX, Edfinancial also withdrew XXXX {$660.00} student loan payments from my bank account. The first payment was withdrawn on XX/XX/XXXX, and the second was withdrawn on XX/XX/XXXX. The XX/XX/XXXX payment was credited to my student loan balance ( e.g., my balance decreased by {$660.00} ). The XX/XX/XXXX payment was not credited to my student loan balance ( e.g., my student loan balance remained unchanged ). I assume this is because Edfinancial was no longer servicing my loans on XX/XX/XXXX, as they had been transferred to XXXX the day before. I contacted Edfinancial about the XX/XX/XXXX payment on or around XX/XX/XXXX. The representative I spoke with agreed with me that my XX/XX/XXXX payment had not been credited to my student loans and that I was entitled to a refund. They advised me they would submit a request to Edfinancial 's " Finance Team '' and also advised me to fax Edfinancial my bank statement showing both XXXX withdrawls ( that document, which I faxed to Edfinancial on XX/XX/XXXX, is attached to this complaint ). The representative also advised me to wait to be contacted by Edfinancial 's Finance Team. I have not been contacted by the Finance Team. Today ( XX/XX/XXXX ), I contacted Edfinancial 's customer service to check on the status of this issue. I was told that my request was still pending with the XXXX XXXX, that the XXXX XXXX was still dealing with issues from XXXX and XXXX, and that there was no timeline for my issue being addressed or resolved. I was further told there were no actions I could take, and no one I could contact, until the XXXX XXXX took up my issue and contacted me directly.
Product: Student loan

MOHELA denied my request to continue on an Income Driven Repayment Plan ( IDR ) for my federal student loan, a requirement for the Public Service Loan Forgiveness program I am currently enrolled in. They sent me this denial at XXXX Central Standard Time , to which I jumped on the phone to call them about it at approximately XXXX, only 10 minutes after it was sent. The denial stated, to inquiry or fix the denial, you must call the number on the form, so I did. At present I am still on hold with them at XXXX, over 2 hours later, without having spoken to anyone except the person who transferred me in the first 5 minutes of the call. They take calls until XXXX this evening, but I fear my call will not be taken before they shut off. I can not spend 2+ hours of my day during the day or as I have seen some people say, up to 5 hours, waiting for someone at MOHELA to answer my call to fix my loan. If this issue isn't rectified, my PSLF will be in jeopardy and my payments, when they resume, will go up well beyond what I can afford to pay. This is not okay to do to people, especially when we had no choice in the loan service provider we were sent to for being enrolled in the PSLF program. This is not feasible for anyone and should be criminal.
Product: Credit reporting or other personal consumer reports

**Equifax Information Services LLC** XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Fraudulent Account and Improper Reporting XXXX  XXXX XXXX XXXX account XXXX XXXX XXXX Dear Equifax, I am writing to formally dispute an inaccurate and fraudulent account that is being reported on my credit file. The account in question is a paid charge-off from XXXX XXXX XXXX XXXX XXXX I have also received a 1099-C form associated with this account, indicating that the debt was canceled and considered income. 

Under the Fair Credit Reporting Act ( FCRA ) and in accordance with federal consumer laws, specifically 15 U.S.C. 1681c ( a ) ( 4 ), I am requesting the immediate removal of this account from my credit report. A charge-off that has resulted in a 1099-C form being issued can not legally be reported as an outstanding debt, as it is considered income, not a current liability. Reporting this as a negative item on my credit report is a clear violation of the law and is damaging to my creditworthiness. 

Please take the necessary actions to investigate this matter and remove the account from my credit file immediately. Enclosed, you will find a copy of the 1099-C form and any additional documentation required to support this dispute. 

This situation is causing undue harm to my financial reputation, and I expect prompt resolution. Please confirm in writing that this account has been removed from my credit report. 

Subject : Formal Notice of Intent to Sue Unresolved Dispute Regarding Fraudulent Account This letter serves as a formal notice of my intent to pursue legal action against Equifax Information Services LLC for its failure to accurately maintain and correct my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant federal consumer protection laws. 

I have previously notified Equifax regarding a fraudulent and inaccurately reported account from XXXX XXXX XXXX XXXX, which is listed as a paid charge-off on my credit report. I also received a 1099-C form for this account, indicating that the debt was canceled and should be considered income, not a current debt. 

Despite my dispute and the clear violation of 15 U.S.C. 1681c ( a ) ( 4 ), Equifax has failed to take appropriate action to remove this erroneous account from my credit report. This has caused significant harm to my credit score, financial reputation, and overall well-being. 

I demand that Equifax immediately remove the fraudulent account from my credit report. Failure to do so within [ XXXX business days ] from the receipt of this letter will result in me filing a lawsuit in [ your jurisdiction 's court ] for violations of the FCRA and any other applicable laws. I will seek all available damages, including statutory, actual, and punitive damages, as well as attorney 's fees and costs. 
Thank you for your prompt attention to this matter. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Disputing an apartment rental that showed up on my credit report, noticed XX/XX/23. This is identity theft and there are other similar alleged debts that I have gotten removed from due dilignece.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. 

The inquiries are : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX
Product: Checking or savings account

I attempted to open an N26 account ( Axos Bank, Member FDIC ) online on XX/XX/2020. I received an error message stating that additional information was needed to open my account. 
I became concerned because another online bank had declined my application because my SSN was already associated with an open account. 

I have contacted N26 three times, XX/XX/2020, XX/XX/2020 and XX/XX/2020 in an attempt to find out if there is a fraudulent account opened in my name. Each call, I waited on hold, explained my situation to a representative and was then hung up on. I believe this " bank '' is allowing fraudulent transactions. 

I am requesting from N26/Axos Bank : - A written statement stating why my application was denied - Written acknowledgement If someone has opened an account using my SSN - Written acknowledgement that if there is an open account using my information that has been closed and that I am not responsible for any charges associated with the fraudulent account. 
*This is very important as I am in the process of qualifying for a mortgage I thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding my dispute about some hard inquiries that appears on my credit report, which are unauthorized and inaccurate. Upon reviewing my credit report, I noticed these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

TIAA-XXXX  has not responded to multiple requests for their trustee-to-trustee transfer form while charging excessive administrative fees. Please provide the appropriate paperwork and clear with my former employer that the account can be transferred and closed. XXXX attempted to request the assets be sent to them but advised that TIAAs form must be completed to accomplish the transfer.
Product: Student loan

Several months ago I went to their web portal to change the bank associated with auto pay. Despite making the changes they continue to use an old bank account -- as a result I have been charged overdraft fees. Today I called to try to get help, but all three customer service representatives blamed user error, despite me being able to see that their system did in fact show that the account I wanted the funds to be taken from was in fact the correct account. After I pointed this out they still blamed user error and suggested I do several things. I asked multiple times that they make the changes on their end, but they claimed they could not see the account that I wanted to have the funds withdrawn from -- again, despite my being able to see it on their web site. Not once did they offer to reimburse me for the overdraft charges. I want and expect that somebody from Sallie Mae call to apologize and to reimburse me for the XXXX overdraft fees ( totaling {$75.00} ). I also believe they need to retrain their customer service reps on how to better handle this type of situation. Also they need to change their web site to better assist customers as they claim this is a common issue.
Product: Debt collection

I was not notified of this debt properly. Pressler and pressler forged my signature stating I received a copy of the judgement when in fact I did not. They levied on my bank account, I went to court and got the judgement vacated and my money returned. I wrote them the 1st cease and desist letter, asking them to not contact me other then in writing form. They broke the law by calling my significant other and my self after we both requested not be contacted other then in writing, and admitted to in a letter apologizing about them contacting me. They also broke Federal Law by trying to collect on a debt that 's not owed to them and using the US mail system and court system to do their dirty work. They have not specifically proved their debt with any agreement that I entered into with because I have not. They have not proved their debt purchase because the debt was illegally purchased for pennies on the dollar.
Product: Checking or savings account

I had a all rights reserved from XXXX XXXX and someone stole it from a XXXX or chime banking account took so long to respond bc I've been a victim of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX SC this happen 2018 plz help also account ending XXXX
Product: Checking or savings account

On XX/XX/year>, I tried to log into VIO Bank 's online banking portal, and was locked out due to mistyping my password. When I called online support, my call was dropped by a financial representative and no efforts were made to call me back. On the second call, they asked for this information to verify my identity : - Name - SSN - DOB - Account number - Unique identifying pass - Last interest received* - Last deposits/withdrawals* - Outside banking info ( acct and routing ) - Interest rate Out of this information that I was mostly able to supply ( I could not answer the questions with the * ), they could not confirm my identity and kept saying I could reset my password on the website. While trying to do so, their online portal kept crashing and saying that online banking was unavailable at the time and there was an internal server error, code XXXX. When I relayed this information, the representative refused to recognize those errors and insisted that I was doing it wrong, and explained that I must have been using the wrong account number. I've never had an institution talk down to me in such a way and not offer any other solutions. They suggested I used XXXX XXXX ( one of the worst and unsafe browsers ) to log into my account. There was no offer of escalation, no other solutions, and they refused to recognize any internal errors. I just want access to my account so I can no close it, and they are holding my funds hostage. They are also using extremely slow and inefficient portals and services to access information and that's suspicious as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for et9k purpose.

446
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They were able to remove some companies but some are still showing on my reports. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX : # XXXX, has violated my rights. 

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

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

I Have a debit card with citizen bank.I am in XXXX XXXX and not sure when I will return to XXXX. 

I thought I lost my debit card and requested a new card.which was sent to my XXXX address Shortly after I found my card that I thought was lost.However when I called citizen bank to Activate my new Card I could not remember my pin. 

The bank asked me questions like what year did I open the account and address the account was opened. 

I was just guessing I was not sure this information I dont keep in my head especially as I live in XXXX I was not familiar with the address in the states The bank asked for my phone number to send me a text to verify it I they are speaking to.I informed them you can send me a text however I am not in the XXXX XXXX am in the XXXX .I was advised it would not be possible to send the test to XXXX phone number. 
I asked for the text to be sent to my email address .I was informed they can not sent it to my email address. 
I asked if I could send a copy of my passport and driving licence to verify it F they are speaking to and they said no its not possible to Identified you that way. 

I have made several calls to the Citizen Bank and it has been very expensive to call the XXXX. 

This matter have been ongoing for over 8 months and I dont have any money and would Like my funds that are in my bank account. 
I do understand they are trying to protect my money due to fraud .however they have not tried to help me to get my funds. 
Especially as I can not come into the branch and get my money. 

I have spoken to my bank and XXXX and they suggest I make a complaint because if your not in the. Country they should be able to support you
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 

This item XXXX  APP is inaccurate incomplete and inconsistent because balance owed and payment history within 24 months are different with both XXXX and Experian I have sent in disputes requesting the CRAs to validate the information and delete the information that does NOT MEET THE FCRA REQUIREMENTS I HAVE SENT ALL CRAs a copy of what is being reported to all three of the CRAs and the only CRA that has complied with the FCRA laws and my right to a Fair accurate consistent and complete credit report was XXXX. They deleted the account due to the factual information being incomplete and inconsistent and inaccurate. I have been harassed at home at my place of business after sending a ceased and desist letter email and verbal warning to collect a debt that has NEVER BE FULL VERIFIED PROPERLY by both XXXX AND EXPERIAN and HAS ALLOWED THIS CREDITOR TO CONTINUE TO REPORT ILLEGAL INFORMATION PAYMENT HISTORY AND BALANCES WITHOUT DOING A PROPER INVESTIGATION BOTH CRAs has a known history to not properly complete a full investigation of what the creditor is reporting and I am a litigation consumer and I will seek legal action if this matter is not resolved. i am requesting that this item be DELETED PERMANENTLY Enclosed is documentation supporting my request : DISPUTE RESULTS FROM XXXX AND BOTH REPORTS AND BALANCES IN WHICH BOTH CRAs statements the balance was updated back in XX/XX/2023 FCRA Violation 15 U.S.C Sec 1681i ( a ) Consistency Accurate and complete information should only be report the the CRAs by law anything that is not consistent complete or inaccurate is to be PERMANENTLY DELETED 15 U.S.C Sec 1681i ( a ) THIS ACCOUNT IS IN VIOLATION OF THE LAW DELETED PERMANENTLY this negative item does not meet the FCRA Requirements Please reinvestigate this matter and delete the disputed item as soon as possible.