23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Per the Cares Act from the government, payments made to student loans during the pause period from XX/XX/XXXX to XX/XX/XXXX are eligible to be reimbursed. It says this on the federal student aid website and it is encouraged to contact the loan servicer to get the money back. https : //studentaid.gov/announcements-events/covid-19/payment-pause-zero-interest. It says exactly this right now, Refunds During the Payment Pause. You can get a refund for most payments ( including auto pay ) you make from XX/XX/XXXX, through XXXX XXXX, XXXX. If you have a Direct Consolidation Loan, you cant get refunds on payments you made before consolidating. Contact your loan servicer to request that your payment be refunded. I contacted MOHELA today, XX/XX/XXXXXXXX to request the refund but they are refusing to put the request through because they are interpreting the statement to be that after XX/XX/XXXX you can not make that request anymore but the federal student aid website does not say that. Their website still encourages you to contact the loan servicer for the refund. Mohela will not let me talk to a supervisor. I asked that they just put in the submission but they are refusing because they say it will just be denied. I said even if it is denied I would like to try but they are refusing saying they are allowed but this information is not on their website and can not be found anywhere in writing.
Product: Mortgage

Bait & Switch predatory lending from Wells Fargo mortgage consultant XXXX XXXX XXXX XXXX # XXXX XXXX. 

He promised me a {$1000.00} credit at closing, {$500.00} from Wells Fargo and {$500.00} through Union Plus. He did n't say I had to do anything, apply for anything, qualify for anything. 

Turns out the XXXX was only for first time home buyers, which I am not, which he knows I 'm not from my first conversation with him, because he requested I write a letter explaining my 2009 short sale. 

Wells Fargo still owes me {$500.00} of the {$1000.00} that was promised to me upon closing. 

I 've patiently waited and called and written letters for 7 months. I want complain through official channels now.
Product: Credit reporting

Equifax allowed XXXX XXXX to report a delinquent account from XXXX on my credit file. This account appeared on my file as XXXX XXXX and I disputed it and it as removed. This is not my account.
Product: Credit reporting or other personal consumer reports

I had an installment loan with Fig Tech ( aka Fig Loans ). Due to XXXX and several other health and family personal emergencies, I was delinquent on paying my monthly payments. In XXXX of XXXX I paid the entire balance owing on the account. I requested that the company provide accurate account information to all three credit bureaus reflecting the current account status. I also requested that they remove any derogatory remarks in good faith as I was dealing with a great deal of stress during the time of this loan as I had several members of my family die of XXXX and had other personal and financial difficulties I was dealing with. 
When things improved, I contacted the company and Paid In Full my entire balance, despite the fact that they had written/charged off the entire amount of the loan roughly {$760.00}.
Product: Credit card

I have multiple credit cards with Citi Bank, and I am a XXXX female who lives on a fixed income. I get most of my income from Social Security and a small amount from SSI. I have been somewhat forgetful and confused lately, and I have spent a lot of money on my credit cards, but now I can not pay. Citibank garnished my entire social security check. They took over XXXX dollars from my bank account, leaving me with no money for rent or food.

I tried going to Citibank, but they asked me to call Citibank. When I called, they said they could not help me, and no one understood what I was discussing. They would not give me the credit card account number that took my money, and I have five Citi bank accounts.

To find my information, you can look under my social security number, XXXX. 

Please help me get my money back! I am a XXXX citizen, and this is my only source of income. 

Thank you in advance.
Product: Mortgage

It seems that the company is just trying to set me up to fail. I lost my job in XXXX and have been trying to get Unemployment Forbearance from Lakeview LoanCare since XXXX. I first applied online through their website on XX/XX/XXXX, it takes 5 business days. Their website said " Submit documents we are requesting in the document section ''. The document section had no documents shown. I called about it. They said give it about 2 days. I checked and submitted the documents which was my last pay stub of income source. I got declined. I called and asked why I didn't get the assistance and they said I needed to submit income ( even though I lost my job in XXXX ) I needed income from another source, not from my last job. My unemployment finally hit, I tried reapplying online on their website but it said it is not working to call the number. I did on XX/XX/XXXX. They said they'll submit a packet in the mail that should arrive in 10 business days. I received it around XXXX. I scanned and emailed them the application on XX/XX/XXXX and said it would take about 5 business days. They never reached out to me about it. I called XX/XX/XXXX to check on the application process and they said it never started because they never received it. Their imaging didn't go through because it usually takes 24-72 hours for them to receive from email to their system. They're not tech savvy enough to know why they didn't receive the XXXX  that I scanned. They told me to try again and reach out to them after 24-72 hours ( 1-3 business days ). I submitted it immediate and asked them to stay on the line so that they could verify that they received the email. They said they couldn't and that they don't have access to that part of the system. That I should reach out to them 4 days later. I'm just trying to hold off on my mortgage payments for 2-3 months while I find a job.
Product: Debt collection

I have paid the BMW Financial debt through a collection agency and it is still showing unpaid on all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Im a victim of identity theft, due to the breaches, that has resulted in personal information being used irresponsibly, leaving my information inaccurate. Everything I owe with my information is stolen. Emails, phone, etc
Product: Credit reporting or other personal consumer reports

These are not my debts. I am a victim of identity theft. 
I did not open, or authorize, these accounts. 
The information listed, regarding these accounts, which also appears on my credit report, are not my own. 
I have never lived in XXXX, GA. 
My name is not spelled XXXX XXXX. 
Someone has stolen my information during a data breach with XXXX, as well as, XXXX ( XXXX ). 
Someone has obtained my photo ID/Drivers License as well as my social security card.
Product: Debt collection

This account was paid with the agreement they will delete this account. 
The account was paid off XX/XX/2021, it was posted on my bank account on XX/XX/2021 I did paid this account and its still showing up on my credit report. 
i need this to be removed from my credit report. 
Account XXXX / account XXXX
Product: Prepaid card

On XX/XX/XXXX I purchased four {$500.00} XXXX XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX XXXX, XXXX 

The card numbers are : XXXX XXXX XXXX XXXX When I tried to use the cards, the transactions were declined. 

On XX/XX/XXXX I called Incomm, the card servicer. The Agent said that all four cards were placed on hold by the merchant, XXXX, and that I need to contact XXXX to resolve it as there is nothing Incomm can do. 

On XX/XX/XXXX I call XXXX store XXXX and speak with the store manager. She had no idea what I was talking about, and questioned the legitimacy of what I was communicating to her. She ultimately gave me the number for XXXXXXXX XXXX. 

On XX/XX/XXXX, I start case XXXX with XXXXXXXX XXXX and submit receipt documentation. 

Today, XX/XX/XXXX, I called XXXXXXXX XXXX to check for a status on the case. The front-end Agent said that there is no update so far, nor is there a timeframe in which the back-end office must commit to complete the case by. I told her I'm initiating this CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally had a parents plus loan with XXXX XXXX now owned by XXXX the loan was in deferment and granted forbearance but the creditor reported the account 120 days past due on my credit report they did not notify me that the account was due until after the late payments reported on my credit report and the will not remove the late payment history the have no documentation of notifying me the loan was due or late how can I get this removed from my credit report
Product: Credit card or prepaid card

When trying to link my debit card with companies like XXXX, XXXX, and XXXX it is rejected due the bank not accepting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry or view my credit report.
Product: Mortgage

We applied for a loan re-cast and were denied based on : - " Our monthly Income amount of {$8400.00} Is sufficient to sustain current payments under the Note and Mortgage without modification. '' - This is an error. Our monthly income is under $ XXXX monthly. 

- We are both retired and receive income from Social Security and a small XXXX XXXX XXXX. 

- Award letters were sent to lender along our letter of their error. 

Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to request that the following accounts be removed from my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has been more than 15 days since I first contacted you regarding these accounts, and they are still appearing on my credit report. 
I mentioned I was in a Data Breach Previously & also placed a security freeze on my account fraud alert. 
I updated personal information as such XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX providing my Address and as well as License for Proof of address and still theres things lingering on my account that clearly is no prove to have no connection or accurate proof to me in no way. 
I would appreciate it if you could remove these accounts as soon as possible and update my credit report accordingly. It is NOT MINE and defamation to me, due to the FCRA is also against the consumer law. This has been hindering me tremendously for far too long now. 
I WANT THIS GONE NOW so I can live my life without any financial hardship and anymore due to the negligence of the Experian Credit Agency I am stuck in a dark place where I cant even obtain credit to help me in my dyer situations and that alone is not FAIR as a Honest and victimized individual. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS NOT INVESTIGATING MY DISPUTES! THEY ARE SEND ME FAKE RESULTS AND NOT CONTACTING THE SOURCE AT HAND! 



The Following Accounts Do Not Belong to Me! Please Delete them! XXXX XXXX # XXXX - This Account is Not Mine! XXXX XXXX XXXX # XXXX This Account is Not Mine! XXXX XXXX # XXXX This Account is Not Mine! XXXX XXXX XXXX # XXXX This Account is Not Mine. Chapter XXXX Bankruptcy Docket #  XXXX The Docket Number is Incorrect! XXXX XXXX XXXX XXXX # XXXX This Account Is Not Mine! XXXX XXXX # XXXX This Account is Not mine! XXXX XXXX XXXX # XXXX This Account is Not Mine. XXXX XXXX # XXXX This Account is Not Mine. XXXX XXXX XXXX # XXXX-This Account is Not Mine. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Dated Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Date Opened:XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX This Account is Not Mine. XXXX XXXX # XXXX This Account is Not Mine.
Product: Credit card

Received call from capital one bank on XXXX XXXX they said someone was trying to open credit card using my social security number in XXXX  . I live in XXXX XXXX  XXXX. they said they would not accept application. they transferred me to a person that said they worked for cpfb his name is XXXX XXXX. I have a complaint number of XXXX. wasn't sure if this was a legitimate call or a fraud scheme. the number he gave me to call back was XXXX XXXX XXXX when I called back they answered with consumer protection bureau. I hung up. I do not have a capital one card. both men had foreign accents.
Product: Mortgage

We inherited a house when my mother passed in XXXX, 2019. Unknown to us, Mom had a reverse mortgage on the property. Less than 30 days later, we get a letter that they will be foreclosing in 30 days. We followed their guidelines and listed the house on XXXX. The house sold. Through numerous phone calls celink was informed of the sales contract and said all was fine. When the closing company asked for the loan payoff, it took celink 12 days to provide the payoff amount. While the closing company processed the figures, celink started foreclosure on the property. Now the closing is delayed again, and celink wants attorney fees. How unethical can they get? How many more hoops do they want us to jump through? Worst financial experience in many years.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The XXXXhree credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Formerly, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$390000.00} XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

Please remove this fraudulent, unauthorized inquiry from my credit report. 

XX/XX/24 : XXXX XXXX XXXX I have communicated several times by phone, sent in all my documents, and it still hasnt been removed. Please remove this unauthorized fraudulent inquiry immediately.
Product: Student loan

These are counts are over 2 years old and under the new FCRA Law it should be taken off my credit report.
Product: Credit reporting or other personal consumer reports

Failure to Investigate Disputes and Provide Procedure Descriptions Subject : Transunion Non-Compliance with FCRA in Handling My Credit Report Disputes Complaint : I am writing to file a formal complaint against Transunion for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act ( FCRA ). Details : Failure to Investigate Disputes : On XX/XX/year> I submitted a formal dispute to Transunion regarding inaccuracies in my credit report. Despite providing all necessary documentation, Transunion failed to conduct a reasonable reinvestigation of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Lack of Procedure Description : Following the inadequate investigation, I requested a description of the procedures used to determine the accuracy and completeness of the disputed information, as stipulated in 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Transunion did not provide this description within the 15-day timeframe mandated by the FCRA. Disputed Accounts on my consumer report : XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have been disputing a XXXX XXXX  account that has been appearing on my TransUnion credit report but received a response that it was verified by discover bank. I again disputed the XXXX XXXX  entry on XX/XX/2021 and XX/XX/2021 to receive the same response verified. I then sent a certified letter to XXXX XXXX  disputing the information on my transUnion credit report never receiving a response, even though I have pointed out to TransUnion all the inaccuracies on my credit report they continue to violate federal laws and in turn are causing me financial hardship costing me thousands of dollars in high interest rates, denied credit and high insurance premiums, defamation, negligent enablement of density fraud. They are also in violation of the FCRA. I am providing the certified letters sent to TransUnion and XXXX XXXX  I will also provide my most recent credit report High lighting the inaccuracies.
Product: Credit reporting or other personal consumer reports

My student loans has been forgiven as of XX/XX/year>. The department of education has sent all 3 credit reporting agencies the information. Transunion is the only credit agency that has not removed my student loans from my report. I have filed several disputes and Transunion will not change my report
Product: Debt collection

This account was added to my credit bureau on XXXX XXXX XXXX after being notified this was included in chapter XXXX bankruptcy XXXX XX/XX/2013. I 've had a representative call me after the fact.
Product: Credit reporting or other personal consumer reports

These company has used my credit improperly and without my consent.
Product: Debt collection

Allied International Credit Corp. sent a letter to collect on nonexistent transaction from XXXX. Totally fabricated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Identity Theft affidavits in to all 3 bureaus in regards to a XXXX  XXXX account that doesn't belong to me, I was a victim of IDENTITY THEFT ... .XXXX  XXXX XXXX XXXX XXXX XXXXXXXXXXXXX {$340.00}, the accounts were found to be fraud and were removed from all 3 bureau reports, now XXXX and TRANSUNION have put the fraudulent account back on my reports after removing it, and have reported 1 late payment on account that is not mine and that I have never made any payments on ... ... I want this account removed and deleted from my credit file permanently. It is hurting my credit worthiness and my ability to obtain legal credit in my own name.
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 {$0.00} XXXX XXXX   XXXX {$380.00} ARKANSAS XXXX XXXX   XXXX {$16000.00} XXXX XXXX  XXXX {$550.00} XXXX XXXX UNIVERSITY XXXX {$3400.00}
Product: Credit card or prepaid card

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The accounts are not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


CAPITAL ONE XXXX CAPITAL ONE XXXX CAPITAL ONE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint with this company due to previous disputes about a inaccurate dismissed bankruptcy reported on my credit report with XXXX, Experian and XXXX in the amount of {$0.00}, which dates disputed with XXXX were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and Experian were XX/XX/XXXX and XXXX. As of XX/XX/XXXX the new law stated that all new judgements and liens will not go on credit reports unless they have identifiable information. Credit bureaus should begin to remove previous judgements and etc. that do not meet the new standards. XXXX, Experian and XXXX failed to remove the bankruptcy off of my credit report in a timely manner. XXXX advised that it were investigated and came back that the XXXX bankruptcy court verified the information which is a violation of the fair credit reporting act. I never heard a response back from Experian and XXXX never replied with their dispute. I have listed documentation from the US Bankruptcy court that they do not report information to credit bureaus. XXXX followed the new law and removed such items from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just simply have been a college student moving around traveling and living at different apartments, and i have like 5 different addresse

s reporting for myself, the three bureaus have different variations in my name, some have my middle name, some just first and last, and the bureaus have a few different places that i worked on my report still that i no longer work at.

Id like to get rid of all the variation, have one name, one address, and only include the place of work where i currently am employed.