23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2022, I was denied XXXX XXXX XXXX XXXX ( XXXX ) & Temporary Expanded XXXX ( XXXX ) that I should have been approved for based on the new XXXX program requirements. I need your help with getting this matter resolved. 

I have {$18000.00} in public student loan debt that should have been forgiven based on the new XXXX program requirements. After taking all of the appropriate actions and submitting all of the required documentation, I received an email from FedLoan Servicing stating that I have only made XXXX qualifying payment. This is not correct. Under the new requirements, including that periods of repayment under any plan count and periods of repayment on loans before consolidation count, even if on the wrong repayment plan ; all of my payments should count, and all of my student loan debt should have been forgiven. https : //studentaid.gov/announcements-events/pslf-limited-waiver I have an amazing payment history and never defaulted on my loans. I have also made more than the required XXXX qualifying payments and taken all of the required actions including : ( XXXX ) completing the Direct Loan consolidation by transferring my student loans from XXXX XXXX XXXX ( XXXX ) to XXXX XXXX XXXX, ( XXXX ) submitting the XXXX application, and ( XXXX ) my employer verification forms documenting my XXXX years as a full-time federal government employee. I also noticed that XXXX of my employment verifications forms ( showing XXXX years of full-time federal employment at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX is missing from my account. I have attached supporting documentation for your review, including my student loan payment history and full-time federal employment for the past XXXX years. 

Since receiving the denial email on XX/XX/2022, I have contacted FedLoan Servicing several times but was put on hold for hours and unable to get through to a representative to obtain guidance on how to fix this problem. I understand that the representatives may be busy ; however, there should be a way for me and other people seeking help to get a timely access and a response. Consolidating my loans into the XXXX XXXX program was seamless; but getting my XXXX benefits has been very stressful. As a veteran and military family member, Ive experienced stressful situations and have compassion for people on the other end trying to help. I cant image what others are going through who have less experience dealing with these issues and are in financial duress.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is falsely Reporting inaccurate information on my credit report. An item on my credit which has been included in a bankruptcy, provided information including the case # and everything. The creditor has been satisfied but yet nothing has changed.
Product: Credit card or prepaid card

on XX/XX/XXXX, my XXXX account was hacked and the hacker used my profile and credit card on file to place an order to be delivered to their address. I was not aware because the hacker had changed my email address on the account and XXXX did not send me a notice that my email address had changed until a few days later, at which point the order had already been delivered and charged. I disputed the order with XXXX and they sent me an email saying they agree that this was fraudulent but they would not do anything and I need to contact my credit card company. 

I contacted Barclays to dispute the charge right away. They concluded that the charge was valid only because I had a history with the merchant. They refused to share any information about the investigation. They told me that I could mail proof such as the email from XXXX admitting that the order was fraud and that would work as a dispute and I would be reimbursed the funds. They then sent me another letter saying that I am still denied with no explanation. Every time I call, they have no information and they are unable to provide any updates. They refuse to help me or answer any questions and they just tell me I am responsible for the charges.
Product: Mortgage

My chapter XXXX Bankruptcy had account # XXXX in it and Wells Fargo coded it as such. It was discharged XX/XX/XXXX and stayed on my credit report for 7 years ( until XX/XX/XXXX ). 
I have proven the short Sale was a Conflict of Interest. 
So what am I waiting on. With Wells Fargo and XXXX  XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Venmo I opened an account to help a friend transfer funds. I was not allowed to transfer, to any account. So I bought crypto to transfer that. The crypto I bought takes me 2 minutes to buy but venmo made me wait 5 days for their service provider even after complaining I want to return the service and close the account. Then after the 5 days, with no reason the locked the account for a week. Then after complaining yet again, trying to close my account and not even caring about fees for services the failed to provide. They froze the account for 180 days with me very adamant about not giving consent and they are stealing my money. I've tried 2 times since and I get told the same manager response by pasted saying account closed wait 180days for fraud prevention. They have broken many maxims of Law, many laws and all of the workers just go along with it
Product: Credit card

I have had a credit card with Discover. They closed my account which is fine. However, the company is asking for more money than I owe and as I pay the balance just increases. I need assistance with this. I do n't mind paying for what I bought but not all the fees.
Product: Credit reporting or other personal consumer reports

Hey my name is XXXX XXXX XXXX. I have discovered unauthorized fraudulent inquiries on my Trans Union credit report THERE ARE FOUR XXXX  XXXX INQUIRIES And ONE XXXX XXXX XXXX XXXX inquiry DATED FROM XX/XX/2023, XX/XX/2023, XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XXXX  15 U.S. Code $ 1681c-2 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 XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, XXXX U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the inquiries, listed IMMEDIATELY!
Product: Debt collection

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I didnt give permission to XXXX XXXX  for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization
Product: Credit card or prepaid card

On Friday XX/XX/XXXX I received a notification from my credit monitoring service that the company, XXXX XXXX, closed my account. I had opened it and was approved on XX/XX/XXXX, however less than 2 weeks later with no notice from the company they closed the account. 

I used the account 1X for a small purchase to ensure that the account was activated. 

I contacted the company on XX/XX/XXXX and they advised they sent me a letter, that I have not received and closed the account because of too many inquiries. But this information was provided only when I called and spoke with a less than empathetic representative. 

I this is is an unfair and deceptive practice that would have caused me embarrassment since I was planning on using the card to purchase an XXXX computer for my niece.
Product: Credit reporting, credit repair services, or other personal consumer reports

Usaa XXXXXXXX XXXX  and XXXX  XXXX XXXX are all showing on a XXXX XXXX consumer report these are all stemming from identity theft in which I've sent police reports affidavits and ftc reports these financial institutions have chosen to violate my rights and not remove these invalid and illegal accounts from thier system over hired an attorney to take matters to local and federal courts
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was opened in XXXX and is still being reported as a negative closed account on my credit report. In addition, a payment history check will show the first delinquency on this account is over XXXX XXXX XXXX. This account should be deleted in totality. I asked for it to be removed entirely. according to the credit reporting laws accounts not paid as agreed or delinquent can not be reported after 7 years.
Product: Bank account or service

On XXXX XXXX, 2016, I received a message from XXXX through the Simple Support messaging system saying my account was pending closure because my account use did not meet the requirements of Simple 's agreement. They froze the account. I called to find out what happened. The rep told me " my account no longer qualified for phone support. I am going to have to end this call ''. THEY HUNG UP ON ME. I kept calling bc I could n't believe it. I called the next day and got a " this number is out of service '' message. I 've my friend call & she gets right through. They blocked my number using a fake out of service message. They blocked me from the support site with a fake " we broke the internet '' page. ( see we broke the internet vs everything 's fine attachments ) What did I do to deserve having my money stolen? Who knows? But it is not just me, I found 10 more cases. They promote themselves as being human goodness but this is the most hateful, disrespectful, offensive company ever. I could n't pay my rent I am up to {$400.00} in late fees and pray I do n't get evicted. I have another {$250.00} in late fees from my other bills. I was supposed to get a cat scan on the lump in my neck. Could n't do it. ( It 's either an XXXX or XXXX. No biggie. I have reached my limit of how much more I can take. was hit by a XXXX lb SUV while walking & got a XXXX from the XXXX and XXXX. I thought my life was calming down. I don ; t have the money for the late fees. What to hear something funny? I decided to see if I could sign up for a new Simple account. Hoping if I was rejected it 'd tell me why. Nope, I was accepted. They have also lied to the XXXX saying they could not talk to them because of my privacy rights. There is nothing in the privacy agreement that prevents them from talking or me waiving my right.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

On XXXX XXXX I sent a XXXX transfer to a merchant that was a scam. When I reached out to Bank of America to show them proof of the interaction and the payment. They were unable to provide any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

These collections on my credit is preventing me from becoming a first time home owner on top of that this company has threatened me multiple times After Ive explain to them that I do not know what this debt is. This company is really affecting my health as I am traveling back-and-forth to the hospital because of stress. Im getting deny left and right when applying with Banks to get a mortgage, My fianc is suffering from XXXX and the price of living is entirely too high To continue paying rent at the property I currently live in. Im a XXXX veteran trying to make a honest living here in the United States but this company Is placing collections and outstanding balances onto my credit which is preventing me from succeeding in life. I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Product: Debt collection

As a consumer has the right to request validation of debt pursuant to 15 USC 1692g. 

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices, Act, 15 USC 1692g stating that your claim is disputed and validation is requested. This is not a proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evident that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, XXXX ) this action may constitute fraud under both Federal and State Laws. Please provide proper documentation as requested int he following declaration. 

Pursuant to 15 USC I am notifying you that I refuse to pay this alleged debt and I am demanding that you cease and desist communication with me through any and all mediums.
Product: Credit card or prepaid card

On Wednesday XX/XX/XXXX I made a purchase over the telephone with a XXXX representative using my Discover credit card. 
My sister also used her XXXX XXXX credit card to make a purchase in which they denied saying the company called XXXX was fraud, so they rejected her payment. 
I immediately called Discover to have them not authorize the transaction. They told me that they had already approved the transaction. They asked me to call back in a few days once the payment showed posted. I called Discover back on XX/XX/XXXX to advise them that the charge would need to be disputed. They asked me to call them back after my trip to XXXX to show that the services were not rendered. I called Discover once again on XX/XX/XXXX, They advised me that I would need to open a case with them to have this disputed. I also called the company that is fraudulent, XXXX to tell them that they need to give me my money back because no services were rendered. They argued with me for about 20 minutes saying they were going to send me my flight tickets through email however I never received them. What I did receive was a made up itinerary which consisted of leaving from XXXX XXXX, arriving in XXXX XXXX and on the way back showed flying into XXXX to XXXX XXXX. My trip was from Washington DC to XXXX. On XX/XX/XXXX I got a letter from Discover saying they did there investigation and found the charge to be valid. On XX/XX/XXXX I submitted more documentation to open the case back up for further review to show supported documentation that this company needs to be shut down, blocked from there system, and my charge back is valid. On XX/XX/XXXX, I got a letter from Discover again saying the disputed transaction was not in my favor and that I am responsible for a {$1100.00} transaction that I never got services for. I called Discover on XX/XX/XXXX and asked for a Manager to contact me about this. On Friday, XX/XX/XXXX XXXX ( a supervisor at Discover ) Called me to tell me that I would need to take additional steps outside of Discover to resolve this. Here I am now filing a complaint with CFPB, I have contacted the Federal Trade Commission and my States Attny generals office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect dates on reports The file date and report date are different
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX XXXX XX/XX/XXXX SS # XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Attn : Customer Relations Department Re : Request to describe method of verification To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX Account # XXXX XXXX Please remove it from my credit report. 


15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account # XXXX Please remove it from my credit report. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX  XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  Account # XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

40. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX  Account Number # XXXX Please remove it from my credit report. 

15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please remove it from my credit report. 




I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately.

It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided.

Also, send a copy of the updated report to all who inquired on my credit in the last 6 months.

Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Thank You, Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times to inform them that there is information from a company called XXXX XXXX  on my consumer report that should NOT be visible on my report. I have NOT given them written consent to report them and Experian is aware of this. This is aggravated identity theft.
Product: Checking or savings account

I opened an account with Pentagon Federal Credit Union on XXXX XX/XX/2022 and a subsequent hold on XXXX XX/XX/2022 was placed on the account by the bank 's fraud department. The following documents were sent to the bank on XXXX XX/XX/2022 to verify identity : 1 ) Photo copy of Social Security Card, 2 ) photo copy of Driver 's license 3 ) Photo Copy of Vehicle Registration. 

To this date ( XXXX XX/XX/2022 ), I am unable to access my funds totaling approximately {$15000.00}. I need these funds to pay my bills.
Product: Student loan

Mohela charged me interest on my account and interest was not supposed to be charged under my plan and administrative forebearance. I called them and requested them to return me back to my principle as the total amount on my account and they said they would look at it in the future but failed to evaluate it
Product: Vehicle loan or lease

Exeter has been reporting unlawfully on my consumer report inaccurate information and continues sell my info to different creditors repeatedly without my permission
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 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 seven years.