23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am enrolled in XXXX XXXX XXXX XXXX with Mohela. As such, I believe I am required to recertify for income drive repayment year, though this has been affected by COVID. Anticipating the need to recertify ahead of payments and seeing notifications on the Mohela website, I submitted a recertification in XXXX of XXXX. I received a denial XX/XX/XXXX stating it was unclear if my request was intended to recalculate the monthly payment. I was confused by this statement and called Mohela. They stated they did not understand the denial and that I should resubmit. I resubmitted again and was denied again XX/XX/XXXX. I called Mohela and different representative stated they did not understand the denial but when I asked if I needed to recertify that affirmed, YES, that I did. That representative completed the recertification over the phone and the decertification was process. I now have a payment that is SIX TIMES what was expected prior to recertification. At no point did the customer services representatives or the website or even the denial letters simple explain that recertification was not due until XXXX  months after payment restarts. That language did not come up until I received my recertification letter with my new payment amount. I believe I was intentionally misled in order to make higher payments. 

I called Mohela today XX/XX/XXXX in order to remove the recertification as I have seen evidence that the situation can rectified this way and declined to remove the most recent recertification. I also asked to be recertified given my plan to file separately in XXXX and the told me I was unable to include future information in my current recertification. Additionally, they told me recertications processed over the phone can be inaccurate, but still declined to remove the recertification even though the only attempt approved occurred over the phone.
Product: Credit card or prepaid card

I applied and was accepted for a Truist card on XX/XX/31 so I could make a balance transfer from another card I have. I was preapproved and had no issues getting the card for a limit of {$6500.00} with the perk of XXXX  % APR on balance transfers for 15 months. I submitted a balance transfer request via the Truist app on XXXX and it was accepted for {$5800.00}. I waited 10 business days and no activity had occurred. I contacted Truist and they advised to wait longer. To date Ive contacted them four times and each time they state theyve put in a ticket. The balance transfer request was made more than a month ago now. When I log in and research balance transfers now I no longer see the perk because Ive already applied ( but I am guessing this was an IT glitch. ) Truist is not helping and it is unfair to advertise a balance transfer perk and then it doesnt come to fruition.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Wells Fargo on XX/XX/2020 to perform a BALANCE TRANSFER on an existing Wells Fargo card that I have that has a XXXX  BALANCE. 

This card has had a XXXX  balance for over 6 months, if not more. 

The Wells Fargo representative told me that she had to do a " HARD PULL '' on my credit in order to look at my credit score and see if she could 'override ' her system and get the Balance Transfer done. WHAT? 

I have never had this happen with ANY of credit card company, and I deal with multiple bank credit card companies ( XXXX, XXXX, XXXX, XXXX, etc ) You would think with all the negative press that Wells Fargo has gotten in the past 2 years they would a little more CUSTOMER FRIENDLY.
Product: Debt collection

On XX/XX/XXXX I mailed a dispute to IC Systems and to the credit bureaus regarding a fraudulent account on my credit report. ON XX/XX/XXXX I noticed they verified the information and proceeded to call IC Systems to get to the bottom of this situation. I was informed, based on a search of my social security number, that there was an account sent to collections from XXXX XXXX ( AKA XXXX ) for a service address of XXXX XXXX XXXX XXXX in XXXX, CA that was opened in XX/XX/XXXX. I advised them this was not me, as I purchased my home in XXXX in XXXX and had no reason to open up any service in a different city. They advised me to contact XXXX  and to " resolve it with them '' meanwhile they will remain on my credit report until XXXX   advises them to remove it. 

This is completely abusive and unacceptable. ESPECIALLY because XXXX can not locate any account using my name, social, date of birth or address. This limits my ability to start a fraud investigation with XXXX as advised my IC Systems since they can not locate an account to initiate an investigation on. What am I supposed to do other than go round and round in circles wasting my time?? This item needs to be removed from my credit report ASAPPPPPP
Product: Credit reporting

The XXXX main reporting agencies are reporting a Federal Tax Lien that was withdrawn and filed in error. It is still reporting after sending them proof of the withdrawal and disputing the information several times
Product: Credit reporting, credit repair services, or other personal consumer reports

The months of XXXX, XXXX, and XX/XX/XXXX have been excluded from calculation of my score. Due to this the score erroneously dropped from XXXX to XXXX in XXXX and has remained XXXX each month since. It is now XX/XX/XXXX. My score has remained XXXX in spite of on time payments on all accounts.
Product: Credit reporting or other personal consumer reports

Description of What Happened : XXXX is not following US consumer laws. There are several companies reporting negative items on my credit report past 7 years. This is against the law, a violation of the Fair Credit Reporting Act ( FCRA ), and these items should be removed immediately. 

In addition, I was a victim of multiple data breaches by two Fortune 500 companies, Equifax and XXXX XXXX. I was informed by both companies that my information was affected by these breaches. As a result, multiple accounts were fraudulently opened in my name with various companies, and these debts were never paid. 

I have taken the following actions : Filed an identity theft report affidavit with the Federal Trade Commission ( FTC ). 
Contacted XXXX to dispute the outdated negative items and fraudulent accounts, but no action has been taken to correct my credit report. 
I encourage the CFPB to investigate these violations and hold XXXX accountable. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular item in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$6600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$2300.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account : XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXXXXXX = {$400.00} XXXX {$1400.00} XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX {$350.00} XXXX {$350.00} XXXX XXXX {$1400.00} XXXX  {$1100.00} ( 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: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH FEDERAL AND LOCAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

XX/XX/ - US bank is not allowing me any access to my money or to close my account with them
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Closed Accounts : XXXX XXXX XXXX # XXXX ( late payment ) -- XXXX XXXX XXXX XXXX # XXXX ( charge off ) -- {$2000.00} -- EXP UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Pslf at 120 payments in XX/XX/scrub> 2024. Employer certification processed XX/XX/scrub> 2024. Absolutely no movement until XX/XX/scrub> 2024 when I received a letter from Federal Student Aid discharging my loans, however, Mohela refuses to process the discharge, provide me with any status update, or timeline for when they will acknowledge the government discharging my loans. My loans should be off of my credit report, but instead the student loans continue to show and continue to accrue interest negatively affecting my credit.
Product: Debt collection

This company called XXXX and stated that I owed {$830.00} on a loan from Mariner Finance. XXXX XXXX was rude and disrespectful and stated they were going to sue me and garnish my wages. I was told previously by Mariner that the account was paid off. I called Mariner back and they stated the dealership paid off my entire account except {$91.00} dollars. I called back XXXX and the guy would n't listen to what I said. Spoke nasty to me and called me an ignorant XXXX
Product: Checking or savings account

Someone opened an account in my name the bank saying the account belong to an female but Im a male and i never had an TD bank account this was open fraudulently
Product: Mortgage

Wells Fargo Mortgage contacted me regarding an escrow overagecaused by non-payment of real estate taxes. I notified them that thepayments should be spread out in the next 12 months. I am male. Theco-borrower contacted the lender and spread it out for 60 months. Icontacted them and stated that this was not what I requested. Thelender stated that it could be changed verbally by either party. I said tochange it back. They stated they would. They called today to state thatthey would not. The lender stated they did not want to be involved. Istated they already were by spreading it to 60 months. The lenderrefused to change it back. So, it would appear the female co-borrowerhas the right to change my decision, but the male primary whose incomethe mortgage is based on has less rights on my own mortgage.
Product: Credit reporting 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 XXXX Account Number : XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX and list of Inquiries 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: Credit reporting or other personal consumer reports

I was stunned to discover wrong accounts appearing on my credit report out of the blue. I check my credit regularly, and everything had been accurate before, but tonight there were unexplained discrepancies. I even tried refreshing the page, hoping it was just a browser problem, but the incorrect accounts wouldnt disappear. Because of this, Im asking for a detailed review of the documents Ive submitted, so I can stop stressing about this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XX/XX/XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : 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 All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX This is my only number XXXX All other telephone numbers are not accurate. 

Please REMOVE/DELETE these telephone numbers IMMEDIATELY :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Federal Credit Reporting Act this creditor has violated my rights under 15 u.s.c 1681 section 602 states I have the right to privacy. 15 u.s.c 1681 section 604a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 u.s.c 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an erroneous account ( XXXX XXXX XXXX ) on my Experian Credit Report on XX/XX/2021. Experian received my dispute, and to date ( XX/XX/2021 ) and has not responded to my request for this incorrect account to be deleted. From my understanding, by law, Credit Reporting Agencies have 30 days from the date received to investigate and respond the consumer, and if they can not do so the incorrect account MUST be removed.
Product: Credit reporting or other personal consumer reports

I urgently ask for the removal of unauthorized inquiries from my credit report. These inquiries are causing me significant concern and were not approved by me
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XX/XX/XXXX Account Number : XXXX InquiryXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

same issue i reported last year : transunion and XXXX still both demand a mobile phone number, which they have no right to and will place on the report iteself, before providing the report which is required by law. XXXX demands hard copies of ID as if i don't exist, which have been sent over the decades several times as i am almost XXXX years old. none of the 3 major bureaus will provide my annual report. 

again, it is illegal for them to demand my mobile phone number before providing my report as required by law, and if they don't stop demanding mobile numbers before providing the reports, perhaps a class action lawsuit is in order.
Product: Checking or savings account

I received a letter on the XXXX of XXXX dated XX/XX/2023 stating that although I have multiple accounts, I do not have a savings account and thereby they will freeze my accounts until I open a savings account. I DO have a savings account. I called Vystar and spoke at length to an associate. She said because I am listed second on the account, I have to open another savings account. I don't want another savings account. One is enough. If they are doing this to all joint account holders, they are using this as a method to pump up their new account openings. I just also learned they are merging and I think it is in response to that. I should not be forced to open a new account and I strongly question this business practice. I also have a safe deposit box that I was told would be affected if I did not open another savings account.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Reporting Act ( FCRA ), specially Sections 611 ( 15 U.S.C. & 1681I ) AND 609 ( 15 U.S.C. & 1692g ), I am writing to dispute the following colection account that appears on my recent credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this account and do not recognize the mentioned dbt. I request that you investigate this account and remove it from my credit report as soon as posible. 

In accordance with the FDCPA, specially Section 809 ( 15 U.S.C & 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 

I appreciate your prompt attention to this matter and look forward to your response in a accordance with the FCRA and FDCPA.
Product: Credit card

I have gotten an email from Paypal credit card through synchrony bank that I thought was spam for the amount of XXXX which I never used or authorized. I didn't even think I had a paypal credit card. When I went to look at my credit report it is also showing this information, but I never bought this or even realized I had a paypal credit card. Now it's effecting my credit and apparently I owe this money I didn't spend?
Product: Debt collection

XX/XX/XXXX I had a notification stated a collection item for {$530.00} was added to my credit report by XXXX XXXX XXXX. Ive never received any correspondence from this company about the item. On XX/XX/XXXX I contacted XXXX and requested information on the supposed debt. Said it was for medical services provided to my daughter on XX/XX/XXXX. I told them I never received correspondence via mail to be able to disputed the debt. I asked XXXX where they mailed the information and the address they provided wasnt even mine. The reason being is they never had my correct address therefore I couldnt dispute. I asked them to immediately delete the item from my credit report and gave them my correct address so I can dispute the item and they stated no. They stated it was my responsibility to provide an updated address to them. Now how am I going to update my address to them when I dont know whats going on? Very unprofessional. My ex wife is responsible for the bill being she was the grantor by taking my daughter to doctor.
Product: Credit reporting, credit repair services, or other personal consumer reports

made a payment to Montgomery ward was suppose to remove from all credit agencies. never did before they went out of business
Product: Checking or savings account

Dear XXXX Office, I am writing to formally submit a complaint against Chase Bank regarding an issue that occurred on XX/XX/year>. I believe the bank 's actions were discriminatory and highly unprofessional, leading to significant financial and personal distress. 

Summary of Events : On XX/XX/year>, I opened a new account with Chase Bank Just five days later, on XX/XX/year>, my account was restricted by Chase Bank due to a request for immigration documentation.

I provided all necessary documents issued by the U.S. Department of State and Customs and Border Protection ( CBP ), including my I-94 form and DS-2019, which confirm my status as a J-1 visa holder.

Despite this, Chase Bank continued to demand documentation that is only applicable to individuals with lawful permanent resident status, which is not relevant to my J-1 visa status.

Due to this unjust restriction, I was flagged in the Early Warning Services ( EWS ) database, preventing me from opening a new account at another bank.

As a Syrian citizen with a residence permit in XXXX and currently in the U.S. on a J-1 visa for my fellowship at the XXXX XXXX XXXX XXXX have faced undue hardship due to Chase Bank 's mishandling of my case. 
It is essential to note that there is no federal law that prohibits individuals from XXXX countries from opening a bank account in the United States if they have a valid U.S. address and are not on the sanctioned list. Therefore, the restriction placed on my account based solely on my nationality is both inappropriate and discriminatory.
Product: Bank account or service

I opened up an account over the phone with TD Bank. The person I spoke to said that I can take care of everything over the phone. She said in order for that count to be activated I need to deposit money. I decided that I did not want to use TD Bank and call to cancel the account they said they can not verify who I am over the phone as the account was never activated. They said that if I keep the account that says I will be getting charged fees for not having the minimum balance but they would still not be able to close the account for me over the phone.