23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XXXX XX/XX/XXXX I contacted Fed Loan via telephone asking about a military benefit of 0 % interest while XXXX to a XXXX XXXX. The customer service rep explained that I needed to upload copies of my pay stubs showing that I was XXXX to a XXXX XXXX and to provide a brief statement of what I was looking for. I did all of this that day and uploaded to their " File Upload '' service that day. 

The customer service rep stated it should take about 10 days to get a response back. 10 days later I called back asking for an update and was told that it was actually a 30 day response. I waited the 30 days and called back around XXXX XX/XX/XXXX. I was told that my Servicemember Civil Relief Act ( SCRA )  request was denied because I was ineligible. I explained to the rep that I didn't request an SCRA review and I already knew I wasn't eligible. In fact, I called a few times because I got disconnected or something. 

When this happened, it made me realize that everytime I called they put in a request for my account to be reviewed for SCRA eligibility. And these were the denial letters that kept showing in my inbox on their website. 

Finally, after several days of calling, I got an approval letter on XXXX XXXX saying that I was eligible for the 0 % interest during the time I spent in the XXXX XXXX. It also said that my account would be readjusted and I would receive a separate notification. I never received that notification and my principal balance was never adjusted. 

From here, I called back several times in XXXX and XXXX XXXX don't have specific dates ) requesting the status of the benefits and would get the run around. Some would tell me that I was ineligible because I entered activity duty prior to the loans being disbursed ( this is the SCRA thing ) and others would say that they saw the approval but nothing was ever done. 

Finally, I was able to speak to a supervior of supervisors who saw everything that I was talking about and agreed that nothing had been done. She said that she would put in a review request and would call me back in a week ( XXXX XXXX ). During her review, she said that not only were my two loans eligible for the 0 %, but my other loans were eligible for the 4.49 % ( this I didn't know ). 

On schedule she called and told me the status. It was bad news. The reviewing team stated that all was good and that I received the correct interest stated above while I was XXXX. Here is the problem with their continued assessments : a ) I never told or notified FedLoan Servicing or any other Department of Education related company that I was XXXX prior to the XXXX. I waited until I returned to notify them and request the reduce interest rate. 

b ) All my billing statements reflect that I was receiving 6.125 % which is the original interest rate. 

Ultimately, each time my account was reviewed I received one of the following responses : a ) I was ineligible for SCRA because I entered XXXX XXXX prior to the being disubrsed b ) There was no such thing as 0 % interest c ) I was receiving the correct interest rate during those months I was XXXX All of these statesments above are false.
Product: Mortgage

In XX/XX/XXXX I co-signed a Mortgage Note with XXXX XXXX for a home at XXXX XXXX  XXXX XXXX, XXXX XXXX   FL, XXXX. 
After some time, in XXXX XXXX, we agreed that I release interest in the property and signed a Quit Claim deed specifying her as the sole name on title. In XX/XX/XXXX XXXX XXXX Applied for a Loan Modification claiming she was experiencing financial hardship. The Loan modification was granted and my name was included on the Modification agreement. I did not sign the agreement, and was against granting the agreement as I was not in financial hardship. I wrote XXXX XXXX at the time to inform them of my disagreement but the LM was granted anyway, with my name still on the Note. I have requested my name be removed from the LM as I was a victim of Identity theft, as XXXX fraudulently supplied XXXX with financial information about me that was false. I have reported this to the appropriate Police agency and Identitytheft.gov. XXXX subsequently sold the Note to Select Portfolio Services. They were informed of the identity theft but refuse to remove my name from the Note. As an aside, all three Credit bureaus have removed the Loan from my credit report. I still feel subject to XXXX failing to keep account of the note and damaging my credit.
Product: Debt collection

The company called my phone from XXXX and proceeded to tell me I owe a debt to XXXX XXXX XXXX I informed them that I have a paid in full letter and that I need their email address. I tried to send the letter by email and it came back as not a valid email XXXX The lady threatened at that time that if I don't pay it will go on my credit report and legal action will be taken.
Product: Checking or savings account

Citi bank closed a brand new account without warning. 
Was told I would receive a letter in the mail, along with my frozen deposits. Have yet to receive any form of communication since XX/XX/XXXX with the account was closed with no reasoning / communication. 
As a single mother, it set us back financially, months, and kept my paychecks from being deposited. 
I have called multiple times and emailed now 5+ times.
Product: Student loan

I and my employer, the XXXX XXXX XXXX, have provided XXXX XXXX information on my employment with the tribe several times to qualify for the public service forgiveness option. They have continually rejected my application on false premises, saying I or the employer did not include information I am positive was sent to them. I have worked as a paralegal or title analyst for decades and understand how to fill out forms accurately. These pretextual denials of my renewal status on this program are infuriating.

My account number with XXXX XXXX is XXXX XXXX XXXX and I am trying to renew after one year in the program.
Product: Credit card

I randomly received a XXXX XXXX Visa Signature, Bank of America card in the mail, but I did not apply for the card.
Product: Credit reporting or other personal consumer reports

There was a data breach and all my information was leaked. The FCRA Laws state all information must be deleted immediately you have 30 days to terminate all information on my credit report by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS ACTUASLLY THE SECOND CFPB REPORT I BELIEVE I HAVE HAD TO COMPLAIN ABOUT TO FILE WITH.    XXXX   XXXX    HAS INSISTED ON LEAVING A DERAGOTRY ACCOUNT ON MY REPORT AFTER ALREADY REMOVIGN UIT ONCE DUE TO INACCURACIES! I CALLED THEM, I MOVED, THEY DID N'T SEND THE RIGHT BILL. I TOLD THEM NUMOEROUS TIMES. I WANT THIS ACCOUTN OFF IT IS CRAZY THAT THEY CAN KEEP REINSTERTIG IT AFTER TELLING ME PROVING THEY WIL ; L REMOVE!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. US DEPT ED XXXX Balance : {$1800.00} ; US DEPT ED XXXX Balance : {$3200.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

XX/XX/XXXX Checking account created with {$25.00} opening deposit XX/XX/XXXX ACH Transferred IN {$800.00} XX/XX/XXXX ACH Transferred IN {$700.00} XX/XX/XXXX ACH Transferred XXXX {$20.00} XX/XX/XXXX Online access blocked, called customer service and was referred to Fraud Prevention Department . Representative from Fraud Prevention Department verified my identity and promised access would be restored in less than XXXX hours. 
XXXX Vacation XX/XX/XXXX Account still blocked. Called in and was told account referred for closure on XX/XX/XXXX, can not access remaining balance for up to 60 days after account is officially closed. 

Account was closed without warning and without a valid reason and that XXXX delay in access to my deposited funds is causing financial hardship.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit file as I am a victim of a data breach, which has resulted in unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of the following fraudulent accounts and 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 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 XXXXXX/XX/XXXX
Product: Debt collection

Cooper Hoffman Klein & Associates began calling relatives of mine in XXXX. They have not yet mailed or sent any verification of this " debt ''. A week later, i sent a certified letter, which was returned & left s voicemail that under the Fair Debt collection practices act, to cease communication with anyone in my family. They called my employer XXXX XXXX, which they still did n't verify and I repeated to cease communication. 
Have found since they 've contacted XXXX relatives without my prior knowledge.
Product: Money transfer, virtual currency, or money service

i sent money to my daughter that had a closed account and they wouldnt refund me
Product: Credit reporting or other personal consumer reports

We purchased a XXXX and their finance company they required us to use provided us a loan for 5.96 %. We have excellent credit ( XXXX over XXXX ) and once we received the XXXX we went to have the loan refinanced. With research through XXXX and reviews on auto loan refinance, XXXX XXXX had favorable reviews and advertised 2.39 % auto loan refinance rates, so we applied with them yesterday. 

We received an email reporting that the contract was being written last evening. Received a text today asking me to speak with them. I asked them to email me the rate offer and they declined to provide that information to me in writing, requiring that I call them so they can record the call. I called them and the representative asked me what I was trying to achieve with my loan. Very odd question since they are an auto loan refinance intermediary. They informed me that my rate with XXXXXXXX auto for 5.96 % is a great rate and they couldn't get anything less. I asked why they would advertise 2.39 % for excellent credit and he had no response other than telling me that's the current market. I noted that I would never applied to XXXX XXXX if it wasn't for their false advertising and now they had run a hard inquiry on my credit causing damage to my credit rating. I informed them I would be filing a complaint and reporting them to the BBB. Upon subsequent research with the XXXX, numerous complaints on this same issue have been filed by other customers related to false rate advertising.
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made whithout my consent. According to section 604 of the FAIR CREDIT REPORTING tosection act ( 15U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report ACCOUNT 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 XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. DELETE
Product: Debt collection

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from this company.. I requested that they validate the alleged debt but they could not. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. They have been unable to provide this information and I am now asking that they remove this debt from my account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to TransUnion via direct mail several times to verify the information reported. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to many accounts with different payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. TransUnion has not been able to verify any of the information reported, they are now simply saying that they have completed investigation but I haven't received anything in regards to the concerns addressed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts opened at XXXX XXXX account numberXXXX opened XX/XX/XXXX, a account at XXXX XXXX acct number XXXX opened XX/XX/XXXX, a account at XXXX XXXX  acct XXXX opened XX/XX/XXXX, a XXXX XXXX acct number XXXX opened XX/XX/XXXX, a XXXX acct number XXXX opened XX/XX/XXXX. I also notice the addresses and Names on the account also invalid and not recognized. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate & unknown information on my credit report be validated. To this date it has been 60 days and I still have not got a rebuttal of any kind in regards to this matter. I am sure that I am being taken advantage of and being totally ignored of my disputes. Section 611 ( a ), Says that a failure to investigate these items within a 30 days gives an immediate removal of these items from my credit report. In my case it has been over 60 days, so it should be deleted instantly. I also sent a follow-up notice after I informed them that they were reporting inaccurate information. I demand that these items be deleted immediately or I will file litigation do to the stress that it has caused me. My information was impacted by the Equifax data breach and may have been compromised as a result.
Product: Credit reporting or other personal consumer reports

I started XXXX XXXX on XX/XX/XXXX I wrote the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX  has received a {$5000.00} XXXX and XXXXXXXX XXXX in my name the XXXX totaling XXXX. The day XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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  and I could not understand them. On XX/XX/XXXX I called XXXX XXXX and they informed me that I had 120 days to give the XXXX back upon dropping out. I spoke with XXXX XXXX, who told me they calculated my hours and took the XXXX They took the XXXX XXXX XXXX XXXXXXXX which was too much to be taking for 3 months of being at the XXXX XXXXXXXX XXXX was supposed to send the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX instead they kept the money leaving me with a XXXX  I am not responsible for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  The XXXX price at that time was XXXX. The last email I received from the XXXX was XXXX about XXXX XXXXd. The XXXX is trying to find away to keep the money which is fraud instead of sending it back
Product: Credit reporting or other personal consumer reports

I wrote this company stating my problems with the company multiple of times and they continue to not pay attention to my problems with the consumer report. They continue to report inquiries and transactions without my consent time and time again. Law 15 USC 1681b states the company have to have permissable purpose to report my information. I haven't given no written consent to report such information. Please remove such information off my report immediately.
Product: Credit card

On my milestone Mastercard account i did have credit protection and i see it was canceled due to non payments back in XXXX XXXX XXXX XXXX 
This past summer i was reduced to part time hours and took a major cut in my take home pay due to XXXX  time hours. 
I seem to recall that i did ask about this when the XXXX was starting and wasn't given the right response to my questions about credit protection. 
I am however catching up on the missing payments as of now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Fair Credit Reporting Act 15 USC 1681 section 602 a says " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is supported by 15 USC 6801 which says " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' TAKE NOTICE I am opting out of your reporting services. ''
Product: Credit card or prepaid card

i have been suspecting that my account with Capital One has been flagged and been discriminated based on my race and national origin, so i have decided to apply for a credit line increase of {$3000.00} to see i will get an an automatic denial of the request. I have sent the request on XX/XX/2019 and get an email with the rejection the same date. 

The reason given was my account has high balance and the account has not been used a lot. Here are the fact of my credit As of XX/XX/2019, My FICO score is XXXX which lenders consider as good. My total debt ratio is XXXX XXXX  of my available balance. I would say there is no valid reason why my request was denied other than i have been discriminated by Capital One This has been happened before when i tried to get a higher credit limit ( about twice or 3x ) The account has not been reviewed properly and i truly believe Capital One has a way of flagging accounts and discriminate customer based on race ( I am XXXX ) and based on national origin XXXX XXXX XXXX XXXX