23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When I consolidated with Mohela, I had over XXXX payments with fedloan on several of my loans. I was told if I consolidate that would allow my overall account to take the highest number of payment received. I have had several months after that which would put me over XXXX payments which is the requirement for the loan forgiveness program. Currently on my file, there are gaps in my payment history whereas on the XXXX it was pretty much up to date. I have worked for a federal agency since XXXX as federal employee but since XXXX as a XXXX for XXXX but it shows a different company for a period of time XXXX to XXXX. Then it shows XXXX to XXXX as a XXXX for XXXX XXXX and XXXX XXXX employee with various employment gaps. I have called several times and spoken to several persons at Mohela for assistance on being forgiven and/or up to date. I asked if I needed to send in another to make sure I am forgiven before XX/XX/XXXX although I should have only had two payments remain by XX/XX/XXXX if it was not counting the waiver. So my understanding is that they paid me over extra funds bc I paid during Covid and I asked them to keep it if I was missing any payments but they still paid me. I am just trying to ensure my account is accurate and up to date.
Product: Credit reporting

i have XXXX hard inquiries that do not belong to me i have tried to contact the companies and transunion several times but everybody keep giving me the run around XXXX XXXX XXXX XXXX XXXX XXXX XXXX trans union
Product: Credit reporting or other personal consumer reports

Credit card Control services  ( Incorrect account please validate ) And delete XXXX bank late payment XXXX  XXXX XXXX XXXX ( Incorrectly reported please delete XXXX XXXX XXXXXXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX  remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XXXXXXXX XXXX XXXX Consumer has agreement with XXXX XXXX XXXX To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent accounts ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ) Fraudulent XXXX XXXX XXXXXXXX XXXX date of inquiry ( XX/XX/2021 )
Product: Credit card or prepaid card

Sir/Ma'am, I have a US Bank XXXX XXXX with multiple promotional balances with 0 % APR. The oldest 0 % promotion balance ends XX/XX/XXXX. The two other promotional balances end XX/XX/XXXX. US Bank card services said that their system applies the payment automatically and that they are unable to override the system. They also stated that the XXXX promotional " balance transfer '' balances ( due XX/XX/XXXX ) take precedence over the promotional " purchases '' balance ( due XX/XX/XXXX ). I now find myself in a situation where I am being forced to pay off the larger, more recent balances, in order to pay the older balance prior the the promotional cutoff date. I would not have made the balance " transfers '' if I had known that it would bury the older promotional " purchase '' balance.
Product: Checking or savings account

I begin banking with amex high yield savings over a month ago and about a week ago i made my first withdrawal, it did not go against any terms of use. I transferred a small amount of money to my XXXX XXXX and the money bounced back immediately freezing my account. I called XXXX they sent me to amex as it was clear the issue was with them, i tried to understand the issue not much insight but they said my account was frozen and closed but get this they said there was NOTHING i can do about it. ok... After I was told that i asked if i could atleast have my money transferred back to my original bank XXXX. They said NO??? ok... so I asked why nothing was said. Amex is criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ROPTED TO FTC, I HAVE WRITTEN EQUIFAX WHICH MAKES SO MANY MISTAKE TO HURT CONSUMERS, AND WRITTEN CREDITOR ABOUT THE INQUIRY
Product: Debt collection

I was applying for a loan yesterday when I was told by the loan officer that there was a collection item on my credit report for {$36.00}. I was given the collection company 's name and phone number and I proceeded to call Quality Asset Recovery immediately. I was told by the collector that the debt was for a medical XXXX and that I now owed {$38.00}. I asked why I was never sent a invoice from the collection company for I have lived at the same address for over 14 years and he had no response but to tell me I must have been billed from the XXXX party. So I immediately paid the bill over the phone with the collection company to get this item off my credit report and then called the XXXX party company to find out what happened? For I have had the same medical insurance ( HMO ) for over 16 years and with my HMO I am only responsible for paying co-pays so I do n't know why I would be charged in the first place? After talking with the customer service representative from the XXXX I was told the debt was from XXXX and that they did n't find it until XXXX and that because it was a billing error that I was only sent ONE bill which was printed on XXXX/XXXX/XXXX and mailed out a few days later. I was also told that the debt of {$18.00} and that I should have only paid the collection company that amount. So know I am really getting upset for the bill is supposedly from XXXX, I only was mailed XXXX invoice and now I just paid over 100 % of the initial debt owed. I did n't know a collection company had the right to charge over a 100 % in collection fees. And again the company ca n't use the excuse that some of that money was used to try and contact me for I had received NOTHING from Quality Asset Recovery, which again was confirmed by the collection representative that I spoke with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a resubmission due to corrections in spelling. Disregard the prior submission. 

To : Equifax and XXXX  According to the fair credit reporting act, any data being report ed to my credit file must be fair, accurate, and complete. Also the accounts being collected must be validated.

I have complained and filed disputes for these in the past for months and all the credit bureaus have lied and not conducted investigations or you would of read the documentation And saw what this creditor sent to me showed that they did not have any validation documentation prior to XX/XX/2022. 

They lied to you and you lied to me because you did no investigation XXXX you havent read the disputes and the supporting documents or you would have already taken action against these criminals. And the documentation they did provide from the XXXX letter is a HIPPA violation and is null and void and none of you are suppose to see a federal protected document like that even if it were legit but they made it up themselves almost 5 years too late! 

Secondly, the status is different on each other - look at the attachment from Equifax and XXXX- the status if it is a collection thats all You can list - one word - you cant list collection twice in two separate entries you idiots! collections is a status, medical debt is the type of collection this is. 

You better fix it or deleted it because youre gon na be answering to it in a deposition soon so quit breaking the law and fix it!
Product: Credit card or prepaid card

Apparently a charge was made on this care credit account that I never used in the total amount of {$9200.00} on
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent Account # 1234, 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Mortgage

I reached out to my previous broker I bought my home thru to get me set up with refinancing my home under the IRRRL program. Immediately I saw a {$6500.00} increase to my mortgage in his proposal and the interest rate was higher than his competitors interest rate of 1.98 %. I wasnt sure who is getting this money whether it was my broker or if it was the company that they reached out to you to fund the loan. After contacting freedom mortage the company XXXX XXXX reached out to I was informed by XXXX XXXX that I didnt have to pay those fees to get the IRRRL through FREEDOM MORTAGE. I was so happy I made the call to freedom. I was told that I needed to have my original broker withdraw my paperwork for loan so that I could go directly to freedom and save the {$6500.00} that I was being charged. After contacting XXXX XXXX XXXX and telling him and insisting he close my paperwork out. He said he did close out my paperwork. On the XXXX day I called with XXXX XXXX my rep from freedom Mortgage. XXXX XXXX insisted I put everything in an email. I believe XXXX XXXX will continue to push my credit score down I have gone from what he said was a good score of XXXX to XXXX in the short time I began this Refi. 
I also believe freedom will not go against XXXX XXXX for I am no one and he is a broker. I will never get the best rate available.
Product: Credit card or prepaid card

On XX/XX/XXXX I called CITI BEST BUY CREDIT CARD company asking to lower payment for 11 months because of Covid-19 pandemic, I told them that after these 11 months I will pay full balance on card ( XX/XX/XXXX was promise date of full payment. ) Today XX/XX/XXXX I called them, payed full card bringing balance to zero, but they told me that I was put on a plan to close card after, so my card was closed, without caring the damage that will cause in credit score.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$670.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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 VSC 1681 XXXX Account # XXXX has violated my rights 15 USC 1681 section 602 A. states I have the rights to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate
Product: Credit card

I did not recognize the amount to Equifax show on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open account with XXXX XXXX XXXX XXXX, and the account has the wrong address associated with the loan. 

In accordance with the fair credit reporting act XXXX  Account # 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I transferred {$250.00} from my Wells Fargo checking account via XXXX through the mobile app to my own XXXX  XXXX XXXX account. I called XXXX   XXXX XXXX at XXXX XXXX  on the morning of the XXXX to see if it was anything I could do and if the transaction would take a little time to come through. XXXX  XXXX XXXX informed me that the transaction failed and they never received the money from Wells Fargo. So I then contacted Wells Fargo at about XXXX XXXX to start my claims process to get my money back. Wells Fargo informed me that since my rent payment was due the following day that they would mark my case as urgent and I should hear from the person on working the claim shortly. Fast forward, I called every business day to get a resolution. On Friday XX/XX/2020 I called in to check the status and was told my claim had been closed and I was just out of my money. I immediately went to the Wells Fargo branch to speak with a personal banker. I went into her office and she called the customer service or claims department to check and see if my claim had indeed been closed and they informed her that it hadnt. I showed her my bank statement from XXXX   XXXX XXXX and she verified that the deposit of {$250.00} had not been deposited in my XXXX  XXXX XXXX account and relayed that info to the customer service rep. Still no resolution. They told her it was nothing they could do and I would still have to wait 10 business days before a resolution could be made. I called in this morning XX/XX/2020 and now they are telling me that still no resolution. Ive been patient and given them all the documentation needed to verify that I never received my own funds that I was transferring between MY personal accounts as if Im a criminal and it wasnt MY money to move. This is unacceptable and extremely unprofessional.
Product: Credit card or prepaid card

I have two credit card issues with Citibank. Both regard their " revisions '' to credit limits. 

The first is what I consider to be an " emergency only '' card. I've had it for six years, always on time, always zero 'd out balance. Recently I had to use that card for an emergency medical bill XXXX {$1100.00} XXXX. The charge was on my bill for one payment cycle. When my statement closed, Citibank " revised '' my credit limit downward from {$2200.00} to {$1000.00}. This made it look as if I was over/at the maximum of my credit utilization. 

The second is my Citibank XXXX XXXX mileage card. Recently I was 5 days late in making my credit card payment. ( I've always made on time payments to both cards ) After I realized my payment was late, I resolved the matter and made a payment immediately. Two business days later, Citibank " revised '' my credit limit down from {$7200.00} to {$6200.00}. Now, again, it appears that I'm over utilizing my credit. 

I have contacted Citibank about this, and have mentioned that every time I login, they explain on banners, emails, pop-up notifications, that they are here to help during this pandemic. I have asked both a customer service representative on the phone, AND the CEO of Citibank for assistance. Why would Citibank suddenly be revising credit limits during a pandemic, especially when they claim to be there to help. Also, why revise when I've been a long term customer with no late payments. The answers have been polar opposite. 

For my first " emergency '' card, the representative was abrupt, and unhelpful. I decided to close my card and have paid the balance in full. The CEO 's office sent an automated message that my credit line had been restored, but it was too late, especially after the phone conversation with their CSR. 

The second XXXX XXXX XXXX card ) issue has yet to be resolved. I've emailed the CEO 's office and have spoken with a CSR. I don't understand how a company can claim to help, and switch the terms of how they help. This seems like a bait and switch to me. It makes my credit utilization look as if I have increased my usage exponentially, which in turn lowers my FICO score. This cascades into other credit cards then questioning the limits they've given me. 

I think this practice is wrong, and borderline illegal considering the " help '' they are claiming to offer customers. 

Please help. Their advertising and their operations seem to be in two separate realities.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a ring back in XXXX of XXXX as a gift for my wife. The ring was a special order AND Helzberg had a special, 0 % financing so I figured Id use that with an existing Helzberg Capital One card that I had from when I got engaged. When I gave the saleswoman my information at the Helzberg store she was able to pull my credit card that way and issue a payment that way ( I had my old card destroyed so this was the best way to get 0 % and not have to open another card ). She updated my information on file to make sure the statements went to the right address and I was in my way. 

When I purchased the ring it had to be made so I wasnt able to get the the ring until mid-XXXX of XXXX so I figured that would be why I didnt receive a statement from the company. However, after a month of not getting anything I decided to check in and noticed on XXXX XXXX that this was flagged as delinquent and resulted in a negative mark on my credit ; this dropped my score nearly 80 points. 

After 4 hours between departments today ( XX/XX/XXXX ) it turns out that Capital One has been sending my statements to the incorrect address for months and decided to never get in contact with me. It went on to the point that the Post Office informed them that it was the incorrect address but still no effort was made to contact me so that I could pay and be in good standing. It took todays call for me to discover that, the multiple reps apologized and admitted that it was indeed the wrong address and they waived the late fees and took a payment over the phone. However, when I asked them to report the account as current and to get rid of the bad report To the Credit Bureaus they stated that they would not. I have paid my bill and updated my information but it took ME to call THEM to get the issue that was caused on their end to begin with to fix the billing error. Now my credit has been damaged tremendously and Im stuck waiting for them to send me paper statements showing the incorrect address so that I can file a dispute with XXXX and XXXX.