23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received at letter from my student loan servicer yesterday instructing me to recertify my income or risk being removed from my IDR plan. ( attachment 1 ) I believe this letter was sent in error and fails to follow the IDR recertification rules listed on FSAs website. 

My IDR anniversary date or deadline is XX/XX/XXXX on both my FSA dashboard and MOHELAs customer portal. ( Attachments XXXX, XXXX and XXXX ) According to the FSA website, I have at least six months to recertify my income after the end of the payment pause ie not before XX/XX/XXXX. ( attachment XXXX ) FSA specifically says that recertification dates before XX/XX/XXXX will be pushed out by one year. ( attachment XXXX ) MOHELA has failed to follow FSAs rules. I need to be on IDR to remain eligible for PSLF. I can not get in touch with MOHELA because they dont answer the phone. Please correct my IDR recertification date to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX  XXXX {$2800.00} XXXX   XXXX {$8800.00} XXXX XXXX {$520.00} XXXX   XXXX {$3800.00} XXXX XXXX {$19000.00} XXXX  XXXX {$4000.00} XXXX XXXX $ XXXXDPTEDXXXX XXXX {$4000.00}
Product: Student loan

Loan to Learn has reported negative information on my credit report that is not true and will not respond to correspondence to remove from my credit bureau reports. I requested a deferment on payments since the student was still in school. We showed proper documentation however they sent our loan into collection with a private group located in California. We have been making payments to this law firm for 2.5 years on time yet Loan to Learn is still showing that we have not made any payments on my credit bureau 's thereby hurting my credit score and impacting my ability to acquire credit and hurting my employment opportunities.
Product: Checking or savings account

In the past month I have had to reset my online banking password, and as soon as I log in just seconds later Wells Fargo iT Department disconnected my log on, I have changed my password 4 times and wells Fargo iT Department continues to " BLOCK '' all access also blocking my security alerts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Citibank to apply for a credit increase on a current credit card as well as apply for an additional credit card. Knowing that a credit inquiry would be generated, I verified with the representative that because I wanted to do both items at the same time, I wanted to ensure there would only be a single inquiry. The representative agreed. My credit increase was granted and I was transferred to another representative for the new credit card application. I again explained the situation to the representative because I wanted to ensure that only a single credit inquiry would be performed - and since one had just been done that the same one would be used. The representative agreed that there would not be an additional inquiry. My credit application was approved.

Later, while checking my credit reports, I can see that two credit inquiries were performed. One on XX/XX/XXXX, one onXX/XX/XXXX. I have verified this with XXXX.

I began calling Citibank and after speaking with many representatives and being told by each that this issue would be escalated to people who could resolve it, I received no resolution. I also called XXXX and was informed that only the company can resolve it.

After many more unsuccessful calls to Citibank, I was put in touch with XXXX XXXX in the Executive Response Unit. She eventually reviewed the calls and agreed that this should not have happened and that one of the inquiries would be removed from my credit report.

I received a letter dated XX/XX/XXXX from XXXX XXXX at Citibank indicating that the inquiry would be changed to a " non-display '' inquiry. This is not what we had discussed, even though the letter specifically indicates that it is, but I was willing to be flexible and patient to see if this was resolved. The letter advises to allow 30 days for resolution, which I was agreeable to.

After over 30 days of waiting, now getting closer to 60 days, my credit report still reflects the same two credit inquiries. I have verified this through XXXX XXXX ( XXXX ). I have been attempting to contact XXXX XXXX for two weeks now, leaving multiple messages, with no returned calls.
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 Experian credit 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 XXXX personal loans XXXX from XXXX XXXX with a total balance of {$350.00} opened on XX/XX/year> under the account number XXXX, and the other XXXX  with a total balance of {$530.00} under the account number XXXX on XXXX and XXXX Insurance loan from progressive with a Total balance of {$760.00} under the account number XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 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: Checking or savings account

On XXXX XXXX, I saw and adverstisment from HSBC for opening an HSBC Premier Checking and get Up To {$700.00} Bonus payable at 3 % of the direct deposit up to XXXX each month for 6 months. 
I then clicked on the promotion page, and I applied with application ID : HSBC Bank USA, N.A.  account application Application ID XXXX I received this : Were writing to let you know your application for a new HSBC Premier checking account was declined because were unable to verify credit references ( XXXX XXXX ). 
I then contacted the bank. I was told to unfreeze my account, and they will fix it. I was told that I would be eligible for the promotion as long as I meet the requirement. 
I then follow the same instruction and link after removing freeze from my account. With the customer service help, I got a new application ID : New HSBC Bank USA, N.A. account application Application ID XXXX. 
After 4 days, I received an email with : Welcome to HSBC Bank USA, N.A. Your online application to open a new HSBC Premier checking account has been approved. 
I call the bank on XX/XX/XXXX, XXXX XXXX  OUT ( XXXX ) XXXX. They confirmed my application and promotion. I waited for the time frame required to get the promotion, and I didn't see it. I call the bank on XX/XX/XXXX, XXXX XXXX  OUT ( XXXX ) XXXX. I asked why I have not received my bonus offer. The customer service rep told me that he looked at my account, and usually, I should have received it in the 4th months after opening my account, but he will submit a ticket. I called today, and I was told that after reviewing the account. I am not getting paid base on the bank internal policy. this is outrageous because I follow all instructions, and I had customer service help me with the application. I was also told multiple times that I was eligible, and I need to wait. Now I am told no.
Product: Debt collection

Received a call from XXXX XXXX. At first he said he was from XXXX solutions and then he said he was from XXXX XXXX XXXX and he was calling from XXXX XXXX XXXX. He said I obtained a loan in XXXX. I did not receive any loans or credit in XXXX of any kind. He had my previous address and social security number. He threatened to call my employer and file a lawsuit. I asked him for his address and he refused to give it to me, told me I was being uncooperative and said I would be hearing from him. I reported this to the FBI who informed to contact the CFPB.
Product: Checking or savings account

I have an account which all over the documentation and over a recorded line mentioned to me as well as in person when I opened it up that if I leave {$500.00} in my account there will be no service charges or fees. I do not have to do anything swipe my debit card or do any transactions and I will NOT be charged any fees or service charges on the account forever. 

I spent 2 weeks for them to refund my fees for an illegal service charge placed on my account on XX/XX/XXXX after XXXX year from my account opening date. 

I was not notified of any charges being done my notifications were shut off and I am sure I set up alerts countless times. 

Then after that for 1 year they kept taking account fees. I just got my account refunded last week on Friday XX/XX/XXXX and I look into the account again there is another Illegal Service charge. It took them over 2 weeks and many many calls and I am frustrated I have lost at least XXXX dollars of income during these calls and the frustration of keep following up with them is just too much Stress. 

Below is the history of the account. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 {$15.00} {$480.00} XX/XX/XXXX {$500.00} Active Balance since XX/XX/XXXX This is with PNC Bank and it is a business checking account I created in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

There are accounts that were supposed to be deleted from my account as they were not mine and fraudulent from both Trans Union and XXXX. Nothing has been done And they keep verifying these accounts they are not mine
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachment below
Product: Credit reporting or other personal consumer reports

XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND XXXX HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNIOXXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 

Account name : XXXX XXXX Account # XXXX {$490.00} XXXX XXXX XXXX Account # XXXX 

Municipal Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX {$1300.00} XXXX Account # XXXX {$6800.00} XXXX XXXX XXXX Account # XXXX Account has been closed at Grantors request all without my written consent. 
Account has been previously in dispute- Investigation complete, reported by data furnisher. 




IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! 


( needed To be Removed improper use of the credit report )
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I'm writing you because I'm having some trouble with TransUnion with false reporting on my credit report. I have investigated several times and they keep saying the courts is telling a lie. Please help me resolve this. I filed a complaint with you all one because and I would like to know if you all checks into as well. my complaint was # XXXX that was my old one and nothing got done and it's still a lie. So, with this one i hope that i can get help.
Product: Debt collection

I have been contacted repeatedly by phone and email daily. This account was closed properly and was continuing to bill my credit card. I cancelled the card and immediately began receiving threatening calls from this debt collector. I have requested several times for documentation and proof the account was open. All were ignored. If possible I would like to pursue them as my credit report was affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  is reporting mortgage late payments as of XX/XX/XXXX. This mortgage account was paid off and closed on XX/XX/XXXX. I have reached out the them 4 time and they are not doing anything. I pulled my credit in XX/XX/XXXX and they just reported a current late on XX/XX/XXXX. This is causing me thousands of dollars and I just lost a potential home purchase because of this. Im tired of XXXX XXXX XXXX XXXX telling it my problem.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX bankruptcy. It was discharged XX/XX/XXXX. 

When it came up for discharge XXXX XXXX XXXX  started claiming late and missed payments. 

I sent them proof of payment in the form of canceled checks and certified mail receipts to validate my claim, that no payments were ever 30 days late or missed. 
After fixing some of their mistakes they continued to report 7 payments, 30 days late for XXXX. 

I hired a credit repair firm and on XX/XX/XXXX they sent letters on my behalf to XXXX and all three credit reporting agencies, XXXX, XXXX, and Experian. 

After reviewing my dispute, XXXX  and XXXX repaired my credit report by removing late payments from my report and are now showing paid and currant payment history for XXXX. 

Experian is how ever still showing - XXXX, XX/XX/XXXX as 30 days late, then, XXXX, XXXX, XXXX, XX/XX/XXXX as currant, then, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX as 30 days late. 

I am including copies of said letter to Experian, along with proof of payment in the form 12 canceled checks and certified mail receipts for XXXX - XX/XX/XXXX and, 12 canceled checks with certified mail receipts for XXXX - XX/XX/XXXX, and proof of XX/XX/XXXX payment with certified mail receipt. As you will see all payments are for exact amount, and there are no late payments or extra payments to bring account currant from XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Dear XXXX, Experian I received a copy of my credit report and am writing to dispute the following information that appears on my Experian, XXXX report. 
Please verify or remove immediately the following accounts : XXXX XXXX XXXXXXXX I NEVER gave you, Experian, XXXX XXXX, XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Experian, has caused XXXX stress and XXXX due to the abusive and unfair practice. 15 USC 1681a right to privacy 15 USC 1681b2 permissible purpose XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NEVER gave you, XXXX, XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX has caused XXXX stress and XXXX due to the abusive and unfair practice. 
15 USC 1681a right to privacy 15 USC 1681b2 permissible purpose The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXXXXXX XXXX XXXXr on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am a victim of identity theft and I never authorized this inquiry. XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

Real Time Resolutions has been repeatedly calling my about a debt which they have incorrectly attributed to me. I have attempted to have this rectified but the company refuses to inform me of what they need to remove this from my record or to stop calling and mailing me about this individuals debt. The person they are looking for has a name similar to mine, but is not me.
Product: Credit reporting or other personal consumer reports

I also stated that I have previous credit reports from the XXXX XXXX XXXX that reflect my account accurately, as paid on time. I explained that I was I never late on this account, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the creditors and that they said you verified the late to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. 

This is my several request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to clarify that these inquiries were related to my efforts to secure credit for specific financial purposes, such as [ briefly explain the purpose, e.g., securing a mortgage, auto loan, or credit card ]. I assure you that these inquiries were necessary steps in my pursuit of responsible financial management and were not the result of excessive or frivolous credit applications.
Product: Credit reporting or other personal consumer reports

Westlake Financial is treating payment on credit account under an open end consumer plea go late for purpose.

Credit ding from Westlake shows for XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. 

XXXX XXXX XXXX. XXXX # XXXX XXXX, XXXX XXXX & Experian XXXX. XXXX  XXXX XXXX, TX XXXX RE : BANKRUPTCY ACCOUNT NOT IDENTIFIED To Whom It May Concern : I received a copy of my credit report and the items listed below were included in my bankruptcy but are not identified as such on my credit report. Please see the attached document- these item numbers written next to the problem entries.

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect  discharge in bankruptcy. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, FL. XXXX SSN : XXXX