23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I requested my student loan payments made during the XXXX payment pause to be refunded on XXXX I was told by the agent that the entire balance I had paid during forbearance would be refunded within 30-90 days from the request date. I requested clarification on that time and they confirmed I should have the entire balance returned to me by XXXX XXXX XXXX 

My loan was transferred from FedLoan to XXXX during the payment pause. I paid {$4200.00} to FedLoan ( XX/XX/XXXX- XXXX XXXX, 21 monthly payments of {$200.00} each ) and {$1600.00} to XXXX ( XXXX - XX/XX/XXXX, 8 monthly payments of {$200.00} each ). 

The XXXX balance was restored on XX/XX/XXXX and direct-deposited back into my account. However, the FedLoan balance remains pending after 105 days. When I have called to request updates on the progress of the refund, I keep being told later and later dates that the refund will be processed by. Rather than the end of XXXX, they are now estimating I will not receive my refund until XXXX or XXXX next year! This is an absurdly long time to process a refund, and it feels like they are just keeping my money from me without proper communication or any accountability. I could be collecting interest on that amount in a savings account or paying off other private loans, and instead they are just pushing back the goalpost on their obligations and causing me undue financial pressure and XXXX. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two months, I have been trying to get a total of 7 hard inquiries removed from my credit report that I did not authorize. The inquiries and unauthorized dates are listed as follows : XXXX XXXX ( XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX XXXX, XXXXl ( XX/XX/XXXX XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. I sent several dispute letters and I even contacted them several times as well to verify these inquiries and the information comes back verified. I contacted Equifax again and they prompted me to call EACH creditor to retrieve a " Letter of Deletion ''. When I contacted each creditor and requested a letter of deletion, EACH creditor informed me that there is no record of " XXXX XXXX XXXX '' in their system. Therefore, I sent Equifax another letter to verify their method of verification and requested specific details to ensure verification and Equifax failed to do so ; these inquiries again came back as verified. I contacted the bureau again to seek further assistance in these inquiry deletions and no one seemed to help me resolve this matter. As a consumer, I feel my rights have been compromised and violated. I have done all that was requested of me and I've went over and beyond to get this matter handled. I feel devalued as a consumer and customer of Equifax. At the time of these inquiries, I was in college and was not seeking credit of any sort. Please remove these inquiries as requested. They were not authorized.
Product: Mortgage

My mortgage Acct # XXXX which was sold/transferred to SPS from XXXX was approved for a modification prior to the transfer. 
Throughout this transfer there has been a lot of confusion for me due to the timing of the transfer and the manner in which it was handled. I have been advised that the terms of the XXXX Remodification should have been honored by SPS, Select Portfolio Servicing, and that changing the terms is unethical and illegal. 
The mortgage terms in the documentation from SPS are nothing near what the terms I received from XXXX are. 
Please review the attached document from XXXX with the terms that I agreed to. 
I completed my trial period payments as agreed and I presume that the original terms are binding. I also understand that XXXX did not include the documentation for the remodification until I made it known to SPS and made a request that they be sent over. I will be advised by an attorney as to what my legal rights are in this matter. 
Please advise. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB complaint is a follow-up to the one I previously filed with the agency. I wrote to the credit bureaus on XX/XX/XXXX, asking them to delete the following fraudulent accounts and information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} 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 XXXXXXXX/XXXX/XXXX ; that I DO NOT KNOW. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit reporting agencies are obligated to erase and ban any accounts and information not later than 4 business days after XX/XX/XXXX. I ask that you kindly comply with this requirement. I have mentioned this in complaints # XXXX, # XXXX, and # XXXX and I'm including it again now.
Product: Debt collection

I have XXXX Collections from MG CREDIT for the amounts of {$570.00} acct # XXXX and {$800.00} acct # XXXX. Both were Wellness/Annual Visits. I had XXXX of Florida Insurance and was an Employee at the time of service. These services are covered at 100 % per my medical insurance. These are collections from 2013. I have disputed and reported these charges with all XXXX and XXXX.
Product: Debt collection

Back in 2021, I was a patient at XXXX XXXX in XXXX. I recently received information on my credit report stating that I owe XXXX bills to an " Online Information Services, '' ( OIS ) that is currently in collection. Upon reaching out to the company I was told that I owe {$1300.00} and {$510.00}, for services rendered on XX/XX/XXXX and XXXX. I have spoken with XXXX and discovered that I have a {$0.00} balance for all services rendered on those days and also that no department reports to using OIS for collection services. I informed OIS of this and have been treated rudely as well as given a run around rather than having a solution presented. I am reporting them as I did not see them as members of the XXXX, or mentioned by any of the hospital billing departments as a functioning agency. OIS claims that the hospital needs to contact their Customer Service Department, of which OIS can not provide the phone number or web/email address for. Also I was given the number of XXXX for an employee named XXXX, but upon calling the voicemail registers a XXXX as the owner of the phone number and no information pertaining to the OIS Company. There was an even an agent of the company who decided to yell and speak disrespectfully to an agent I had on the line representing XXXX. According to them they are waiting for a Validation request from the customer service department, which has to be sent to INOVA and then back to OIS, which will then be sent to me via mail, and they can't speak to the Customer Service Department to settle this dispute any other way. I want them investigated for fraud, Identy thieft, and off my credit report.

Information for OIS Name : Online Information Services , Inc . 
Number : XXXX, XXXX, XXXX Website : XXXX Address : XXXX XXXX XXXX XXXX, NC, XXXX Names of Representatives : XXXX, XXXX, XXXX, XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian consumer credit report reflects an inaccurate address. The ( 2 ) addresses that I am requesting to be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX I have never established residency or lived at these addresses and would like them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have rent recovery and other collections on my account that I did not attempt or live and the address they have on file
Product: Checking or savings account

Per CFPB representative, it was suggested I open a new complaint to USAAs response regarding my bank account. 

I would like to refer to case # : XXXX I have included documents to support my case and I hope this will be finalized. 

After comparing my account with what USAA responded, there is still missing funds that is due to me of {$1500.00}. 

Before the fraudulent charges happened, I would have had {$420.00}. 

I have listed the fraudulent debits and compared to the credits once debits were deemed fraud and if I am not mistaken, I am missing {$1100.00}. 

I would like USAA to please investigate this further and if this is correct, please mail a check to the address listed on my account asap With the account being locked I was unable to make any payments to my accounts with USAA. 

I would also like late fees, over the limit fees, or any other fees charged to my accounts waived on credit card & loan listed below : Loan Account : # XXXX ( see letter attached ) Credit Card : # XXXX ( see letter attached )
Product: Credit reporting or other personal consumer reports

Judgments were granted in my favor in a court of law. I filed disputes with XXXX and provided copies of both court orders. Both accounts do not reflect the courts ruling on my credit report, which affects my credit score and my chances at obtaining credit.
Product: Credit reporting

My credit report of 6/17/2015 from TransUnion shows that a credit inquiry was made regarding some home furnishings on XX/XX/XXXX. I never attempted to purchase any such furnishings. The XXXX is listed as SECURITY AGE. The address listed is XXXX XXXX XXXX, XXXX, AZ XXXX. I determined that to be a residential address. I filed a fraud alert with TransUnion. I 'd like to see the perpetrator prosecuted.
Product: Debt collection

I was to receive a check from the government in XXXX, but found out it was intercepted. I called the number listed and was told it was due to this unresolved medical debt. I explained to the women I am on social security XXXX, that I am fully covered and my information was provided at the hospital. She told me that it was too late to refund me the money the state intercepted, and that she'd talk to her manager to see what they could do about applying my insurance so late after the fact. She told me she would call me back. I never heard back. I only see that the {$20.00} something payment was applied to the debt, and it's affecting my credit. This makes no sense when I have full coverage insurance!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I was reviewing a recent credit report from Experian that was generated on XX/XX/XXXX and noticed an incorrect address on my report. The address is XXXX XXXX XXXX, XXXX XXXX NY XXXX. I have never lived in NY and I have never been associated with this address. I then checked my credit report and noticed that an account for a credit card on XX/XX/XXXX at " XXXXXXXX XXXX XXXX XXXX ''. I did not open this account and I have never heard of the bank. The account status was listed as closed. I immediately called the contact number list, XXXX and left a message. 

XX/XX/XXXX : Received called back message from XXXXXXXX XXXX contact and was told that the fraudulent account was identified immediately and the account was closed on XX/XX/XXXX the day after it was opened. I was told to contact Experian directly and inform them that I had spoken with the company and to request that this account information be flagged as fraud and to be removed from my credit report. 

XX/XX/XXXX : I called Experian and made the request in the form of a dispute to have the account information as well as the address information flagged and removed from my account. Experian informed me to report the fraud and file a report on XXXX I am currently dealing with identity theft that was confirmed by the IRS for my XXXX tax year that XXXX possibly be linked to the same NY fraudulent address.
Product: Checking or savings account

I have a year or older account with Chase bank that is active and regularly gets $ XXXX a month in direct deposit. I received a $ XXXX check from my parents as a gift ( trusted source, I received from them in person ) which I deposited before the cut off time on XXXX at a XXXX atm connected to the chase bank branch. As of today XXXX the first {$220.00} has not been made available to me and chase will not provide a reason why. I have a XXXX day hold on the entire amount which is fine, with the exception of the first {$220.00}. They refuse to provide any additional information as to why they are not following federal ruling.
Product: Credit card or prepaid card

The card in question was originally through XXXX XXXX with XXXX issues ever experienced. The card was transferred to XXXX through Goldman Sachs and has been nothing but issues ever since. I have repeatedly had to spend time dealing with fraudulent charges on a card that I NEVER even activated in the first place upon receiving the new card under the XXXX branding. 

Each interaction with the company runs me approximately XXXX minutes of my time. The card has NEVER been used for a personal transaction. My only interactions with XXXX have been dealing with fraud. On Monday XX/XX/23 I spent XXXX minutes on the phone dealing with Fraud. The representative had to call me back MULTIPLE times because of " system issues '' repeatedly asking me to verify my identity through a phone code. She said level XXXX fraud would be in contact with me to resolve the complaint. I requested a call after XXXX due to my working hours. 

On XX/XX/23 I received at least XXXX phone calls between XXXX and XXXX while sitting in a meeting with my boss at work. Extremely unprofessional given I requested a call after XXXX. I also reviewed my email only to find NEW fraud charges being flagged on the account after the card was cancelled and a new one issued on XX/XX/23. 

Tonight XX/XX/23 I received multiple calls while attempting to cook dinner for my family. I advised the representative to cease calling my phone and close my account because at this point I feel I am being harassed by the company. I hung up on him and he called me back asking me to verify my account. 

These are outbound phone calls to my phone number on file and on top of that I verified via phone at least XXXX  times on XX/XX/23 to the same phone number. I told him I wanted his boss and a woman came on the line and again is requesting I verify my phone. I told her I would not being this, it was done repeatedly on XX/XX/23, I am being harassed and hung up the phone on her after telling her I want no further calls from the company. She completely ignored my request to not receive further calls, even after I advised her I would be filing formal complaints with the attorney general and CFPB ( I couldn't remember the name of this entity at the time and advised simply filing a complaint with any overseeing body regarding credit card companies ). 

I am done dealing with XXXX. I want my card closed and no further contact from the company ever again.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00}
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
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 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, this account was opened fraudulently XXXXXXXX XXXX and Ive sent in a police report, ftc report and now a cfpb complaint. 

They wont show any proof, but continue to report to the credit bureau XXXX, this has severely damaged my credit and the ability to apply for credit. 

They are purposely updating this account and forcing it to be my account. 

Account XXXX - XXXX {$4600.00} XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX This is against the law!!!
Product: Mortgage

I am applying for a home mortgage and the lender informed me that I had two 30 day late payments on my mortgage in XX/XX/2023 and XX/XX/2023 with XXXX XXXX XXXX by XXXX Mortgage XXXX 

As you can see by the supporting documentation, my XX/XX/2023 payment was made electronically on XX/XX/2023. Home XXXX servicing XXXX the appropriate amount of the payment {$3000.00} and then for some reason, refunded it back to my account on XX/XX/2023. On XX/XX/2023, they reprocessed the payment for {$2900.00}. No information was provided to me during that time by the mortgage company. 

My XXXX, XXXX payment was also processed and cleared on XX/XX/2023 for the required payment of {$3000.00}, I'm also enclosing my XXXX, XXXX  statement to show that the contractual payment of {$3000.00} was processed on XX/XX/2023. If there were any late charges, I would have been assessed a late fee, increasing the amount of my contractual payment. You can see that there are no late fees, ever reflecting on my payments to the mortgage company. XXXX, XXXX is also included for additional reference. 

All mortgage payments cleared my account well before the XXXX of each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY