23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2018, I received an email from XXXX XXXX borrower ( who has been servicing my student loan for years ) that my loan had been transferred to XXXX XXXX. On XX/XX/XXXX I logged into XXXX XXXX for the first time to find that my XXXX Grant was converted to a loan. I also saw that XXXX account was past due and made a payment of XXXX but couldn't understand why it was so far past due. They called me to say that my loan was past due 80 days but I made a payment on XX/XX/XXXX to XXXX XXXX in the amount of XXXX. I then asked to speak with a representative from XXXX Grant department. I was told that they sent me an email to notify me that I should check my message box. I never received any email telling me to do that. They claim that they were sending it to my current email but I think if they really sent it and I never saw it they could have been sending it to my University address which I no longer have access. When the person on the phone checked to see what email address they had been sending it to, she said they would have sent it to the email on file but she never said that they actually sent it to my personal email. When I got anything to check my messages, I checked the messages of my XXXX XXXX who was servicing my loan at the time. But again, I never received any such emails form XXXX. I was then told that I was sent ONE mail notification and no phone calls. I never received that one piece of mail and they have not proof that I did receive it other than they sent it but that doesn't mean the mail was placed in my mailbox. I was told that the only way that they could reverse changing my loan back into a grant was if there was an error. There was an error and I can't see why they can't reverse it. In addition, I am still a XXXX XXXX and am now serving as an XXXX which is equivalent to a XXXX XXXX. This grant was proposed as an option to entice people to work in XXXX XXXX XXXX in XXXX XXXX. Now, I have to pay an additional XXXX a month for a problem with paperwork when I am fulfilling my requirements as a public servant. In addition, your website says " If you do not complete your XXXX service agreement, the amounts of the XXXX Grants you received will be converted to a Direct Unsubsidized Loan that you must repay with interest charges from the date of each XXXX   Grant disbursement. '' I am completing my XXXX service agreement. It does not say if you do not receive or complete the certification process annually by a certain date you will have to repay with interest.
Product: Mortgage

In XXXX I got a divorce and was awarded my home and I been trying to get a loan modification from XXXX then i was told that Cornerstone was a servicer and I have to work with them so I Had my lawyer to send them numerous letter so they could work with me to get a interest rate decreased since I am paying almost nine percent on this loan and then Cornerstone sent me modification forms that I fillled out and faxed to them ten different times because everytime I called i get a new person they would say they are missing something but they was not Because they sent letters to me saying they received everything i also went to a Hud counselor that they refused to speak to and he also sent them information that I was also I just got another lettter of deniel saying I did not have enough income and that XXXX XXXX was my loan holder I went to XXXX and they said that my loan is with XXXX with the servicer being Cornerstone Yesterday i received a letter that they had not received a payment in XX/XX/XXXX I have been going to court with Cornerstone/XXXX numerous times since the year XXXX and each time i went I proved that I was right and not behind and that they was wrong even checks that XXXX cashed as well as Cornerstone i just want the chance to pay off my loan in a timely manner and time I am not behind and I do pay them every month I only owe XXXX but with me have to pay my attorney and theirs I will never get the chance to pay off this loan. Yes i know i was behind years ago but not now I feel that they are not giving me a chance to pay my loan I was in a abused marriage for XXXX XXXX years and now I am being judged and abused by my mortage company also
Product: Mortgage

I was affected by XXXX and participated in the Mortgage Forbearance Program. I setup a loan modification with the company. I started paying the amount designated by the customer service agent at the mortgage company. The mortgage company was Suntrust. Suntrust and BB & T merged into a new company called Truist. 

I called Suntrust on several occasions when I received letters from them that I was behind on my mortgage during the modification period. I was told by home preservation department that I should ignore the letter because it was showing in their records that a loan modification was in the process. They did an investigation and assured me that they hadnt reported a delinquency on my credit report. 

However Truist did report derogatory activity to the Credit Bureau for XXXX, XXXX, and XXXX of 2022. 

This needs to be corrected.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, After completing its investigation as detailed in this complaint, I am writing to request a thorough and detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I noticed an account with XXXX XXXX reporting inaccurately, showing multiple late payments that I, in fact, paid on time. It is essential for credit reporting agencies to report all information with complete accuracy, yet this account has not been late on payments. I have attached a copy of my credit report highlighting these dates, as follows : XXXX : XXXX late payments recorded for XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
XXXX : XXXX late payments recorded for XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
Equifax : XXXX late payments recorded for XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
I kindly request an investigation into this account and an update of these payments to reflect an on-time status. If the payments can not be updated accordingly, please provide the required documentation and details as outlined in my request. 
In reference to 15 USC 1681c ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( myself ) and the reporting entity. Given that payment history is directly tied to these transactions, any incorrect information negatively impacts my consumer report. 
I am also requesting that you outline the reasonable procedures [ per 15 USC 1666 ( b ) ] adopted by your agency to ensure each periodic statement is mailed at least 21 days prior to the due date, as required under section 1637 ( b ) of Title 15.

Reference to PAANL ( Paid As Agreed, Never Late ) : The terms of our agreement have been honored consistently, warranting a " Paid As Agreed, Never Late '' status for this account. I request documented evidence supporting any claims of late payments, including specific dates, amounts, and communication records indicating these alleged late payments. In the absence of such proof, I expect the credit reporting to be corrected. 
Given that my previous disputes have not resulted in any changes to the reporting, I demand an investigation in compliance with the FCRA to correct these inaccuracies promptly. I expect a written response within XXXX  days of this letter, as required by law. 
Thank you for your attention to this matter. Your adherence to FCRA regulations is crucial for maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed incorrect information on my credit report that falls under 15 USC 16c-2. The details in question are inaccurate and negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request of verification concerning a unauthorized inquiry i demand full verification and process of verification under the guidelines of the FCRA and my request has not been met in a timely manner according to the FCRA it has been way over 30 days and according to the FCRA that item must be deleted if not verified within a timely manner
Product: Student loan

I've done everything to keep my loan current. But for the last XXXX  months or so, every time I make a payment, there is a Reversal. I keep getting emails saying I'm behind but I am not getting any response as to why these reversals are happening and why every time I sign up for automatic payments, I get removed from that program. 

I'm trying to do the right thing here but they are making me delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected from erroneous reporting in my file is listed on my credit report : Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

apply for a delta skymiles credit card. When they applied, they offered me XXXX thousands, after spending {$3000.00}, I spent more than that and paid interest in order to earn the miles, and I called to see what happened and they said they would not give it to me. 
because at the time of applying they say that they will give the reward.
Product: Debt collection

On XX/XX/2020 I submitted a complain ( XXXX CPFB ) becuase somebody try to use my identity to open credit cards or something else. This was not me because I always see my credit report. Comenity Bank was one of the banks that got one hard inquiry. They answered this complaint on XX/XX/2020. 

XXXX XXXX XXXX, XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Were responding to your correspondence about the XXXX XXXX XXXX XXXX XXXX Application XXXX. 
Dear XXXX XXXX XXXX, XXXX : Were Comenity Capital Bank and we handle everything related to the XXXX XXXX XXXX XXXX  XXXX credit card. 
We received the correspondence you sent to the Consumer Financial Protection Bureau ( Ref. No. XXXX ). Weve reviewed it, and heres what weve found. 
On XX/XX/2020, an application for a XXXX XXXX XXXX XXXX XXXX credit card was submitted using your personal information. 
No account was opened in your name. We requested the credit reporting agencies remove the inquiry from your credit report. It may take up to 45 days for the credit reporting agencies to update your credit report. 

I will adjust this card from Comenity bank. 

The problem is that after this complain they give a credit card to somebody else in my name is a Victoria 's Secret credit card. After that they have been calling me regarding this situation and they want me to pay for those expenses even when I have told them several times and this was not me. 

My credit score have being impacted because of this problem it when down from XXXX to XXXX because of this situation. 

After that problem that happened in XX/XX/2020 I had put an identity theft alert on my credit and freeze it to prevent it happen again for the next 7 years so nobody can use my credit without or do hard inquiries without calling me. 

Please I will appreciate your help with this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX **Subject : Dispute of Inaccurate Information Reported by XXXX Dear CFPB, I am writing to formally report inaccurate information that has been reported on my credit report by TransUnion. My name is XXXX XXXX XXXX account ending in XXXX Upon reviewing my credit report, I discovered the following inaccuracies : - **Dispute** XXXX XXXX XXXX XXXX  information, such as the Current balance, and available Credit.status ] - **Reason for Dispute** : The current balance is $ XXXX, and a Available Credit is {$200.00}. this is starting to become a cycle. 

I have already reached out to TransUnion to dispute this information on XX/XX/year>. I'm attaching a screenshot of my credit card. This documentation I provided to them, with a online dispute. 

I am seeking your assistance to ensure that this matter is resolved and that my credit report is corrected. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I am contacting you today to inform you of an issue and possible fraud case involving XXXX Credit Karma. On XX/XX/XXXX of this year my wife and I filed our taxes through XXXX online. On the XXXX website was an offer to sign up for a Spend Account with Credit Karma and have your taxes direct deposited into the Spend Account and you get a percentage of your taxes right away. We opened an account with Credit Karma and received a small amount of our tax refund. On XX/XX/XXXX our State Taxes were direct deposited into the Spend Account. On the morning of XX/XX/XXXX we received an email from Credit Karma stating they had put a freeze on our Spend Account and we were unable to make any transactions or withdrawals. We called Credit Karma and no one there would tell us why they froze the account and they refused to release our funds. We asked to speak with the supervisor on duty and once he got on the phone he said the same thing. He was extremely rude and hung up on me. We tried calling back several times to get the issue resolved and every time we spoke with someone it was the same generic speech We can not see your account but it is under review. The last person we talked to said all accounts that were froze or have been closed are handled by The XXXX XXXX and they only communicate through email. She said she couldnt transfer us because they don't speak to anyone over the phone and we should receive an email from them shortly. This is the most ridiculous thing I have ever heard of. They have basically stolen over {$1000.00} of our money and refuse to give it back. We are not the only ones they are doing this to. I did some research and there are thousands of people being victimized by Credit Karma. There are posts on XXXX, XXXX XXXX XXXX  complaints on XXXX XXXX etc. Something needs to be done about this. Not only am I reaching out to you but I am also contacting the XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX The XXXX multiple news outlets, XXXX XXXX  ( theyre the financial institution partnered with Credit Karma and co-conspirator of fraud ), XXXX  for advertising a company that steals money from individuals, and a Consumer Rights Attorney. If I have to start a class action suit against Credit Karma and Associates I will do it. Any help you can provide will be greatly appreciated.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the credit bureaus 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: Student loan

Ive been trying to contact Edfinancial in regards to my repayment plans. 

My hold times have ranged from XXXX minutes last month, to XXXX minutes just yesterday. The information they have doesnt match up to studentloan.gov. They recommended for me to contact my school, claiming my loans were discharged. I contacted my school, XXXX, and confirmed my loans had not been discharged. 

According to studentloan.gov, I owe XXXX, yet theyre ( Edfinancial ), has shown different amounts. They were showing my loan total as XXXX prior to XXXX and now XXXX as of today. Theres no way to confirm the correct payment amount with Edfinancial. I dont know what my payment will be or how to even get on the ramp-up program to aid in getting on a payment schedule the next 12 months.
Product: Credit reporting or other personal consumer reports

I need your assistance with the false account listed on my credit report. Im raising this issue because it has negatively impacted my reputation, and I require your help. Your mishandling of my credit report has left me in a difficult position, as the false information has severely damaged my reputation. It is crucial that these inaccuracies are eliminated so I can move forward with my family.
Product: Student loan

I filed a bankruptcy, and my lawyer has tried to g et a hold of JPmorgan Chase to help me m odify the outrageous loan agreement for this student loan. I have faxed them twice, and they never showed up to court. I will default on this loan because my income is not enough to pay this loan, and it will give me bad credit. There is no way to get in contact with the original lender. I just have to keep going through  XXXX   XXXX   XXXX  the servicing partner who will not give me information to co ntact Chase  about the original student loan. I need to be able to speak to them so they can talk to my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This is my third notice of the XXXX XXXX or XXXX XXXX # XXXX inaccurate information. 15 U.S. Code 181 I, credit reporting is required to conduct a reasonable reinvestigation. I have asked for the reinvestigation and there was nothing done about the inaccuracy on the account. I have attached proof of the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a couple of accounts that does not belong to me and i want to remove them. See bellow the list : 1. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

2. Identity Theft DSNB MACYS Account Number : XXXX This is not mine. 

3. Identity Theft XXXX DSNB Account Number : XXXX This is not mine. 

4. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine.