23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been trying to get a correct payment amount for my student loans on the SAVE plan. I have submitted 4 Income Driven Repayment ( IDR ) plan requests to MOHELA, none of which have been processed/calculated correctly. I login to see the payment amount is {$77.00} a month when every estimate I've received from StudentAid.gov and from MOHELA themselves estimates my payment to be {$0.00} a month based on my income and filing status of MARRIED FILING SEPARATELY. I call to ask why this continues to be an issue and the front-line customer service representatives have no clue and just submit a new IDR application for me which continues to be incorrectly processed/calculated. Below are the dates of IDR applications I've submitted, and their outcomes according to MOHELAs website, all of which have not been calculated correctly. 

XXXX Approved XX/XX/2023 ( INCORECCT AMOUNT ) XXXX- XX/XX/2023 XXXX XXXX  Canceled XX/XX/2023 ( NO REASON PROVIDED ) XXXX Canceled XX/XX/2023 ( NO REASON PROVIDED ) XXXX Processing XX/XX/2023 ( It has been 2 months with no progress on this request ) I have submitted these applications a variety of ways. I have submitted them via XXXX, via self-service portal on MOHELAs website, and over the phone with a customer service rep. None of these methods produced different results which leads me to believe that the teams that process these applications are doing them incorrectly. My issue is threefold - 1 ) I need a payment I can afford and I can not spend the HOURS it takes to wait on the phone for MOHELA because assumingly thousands of others are experiencing similar issues 2 ) When I do get someone on the phone they are untrained, unaware, and unhelpful. Most are totally unaware of the different provisions of the program I am applying to ( SAVE program allows for married couples filing separately to NOT include their spouse 's income, which most reps were surprised by or flat out told me I was wrong ) 3 ) StudentAid.gov and MOHELAS OWN CALCUALTOR ON THEIR WEBSITE say I should be paying a MUCH smaller amount than I am, yet every time it is processed the amount is VASTLY incorrect. Are the estimates provided by XXXX ( operated by DEPT of ED who own my debt ) and MOHELAs incorrect? That is a major issue if so. If they are correct, what calculations are being done behind the scenes to lead to such discrepancies?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had ID theft and 2 fraudulent items are on my credit report. I reported this to all 3 companies YEARS ago ... all but Experian have removed it. I have notified them several times and they are still showing on my report. Not only were the cards not mine but then they " served papers '' to someone at a house I used to live at ... then got a default judgment because I was not there. They served a woman one of the judgements and the other was a man XXXX XXXX in XXXX and I am XXXX XXXX and a man. I live in Washington and the address they served was in New York. I tried to file request with NY to remove default judgment HOWEVER they said I had to go to NY ( I live in WA ). please help!
Product: Credit card

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Against Citi Credit Card for Unnecessary Charges Dear Sir/Madam, I am writing to formally lodge a complaint against Citi Credit Card regarding an unjust interest charge of {$550.00} that was posted to my account on XX/XX/XXXX. I have been a loyal Citi credit card holder since XXXX, and this is the first time I have encountered an issue of this nature. 
Summary of the Issue : On XX/XX/XXXX, I initiated a balance transfer of {$23000.00}, for which I paid a balance transfer fee of {$710.00}. My intention for the XX/XX/XXXX, statement was to switch to a minimum payment due to a temporary financial constraint. Following customer service advice, I adjusted my payment setting to the minimum payment, but somehow the setting reverted back to the full statement balance. 
As a result, on XX/XX/XXXX, the autopay withdrew the full statement balance of {$22000.00} instead of the minimum payment. Although I promptly corrected the autopay setting, this issue led to the accrual of interest charges. 
To resolve this, I reached out to my local Citi banker, leaving voicemails and sending emails, but received no response. My multiple calls to Citi customer service were met with resistance ; they incorrectly argued that I had made purchases and was never eligible for a 0 % interest offer until I provided proof to the contrary. Despite my long-standing relationship with Citi, XXXX requests to have these unwarranted interest charges reimbursed have been ignored. 
I have attached copies of my bank statements, XXXX confirmation of the 0 % interest offer, and screenshots of relevant conversations as evidence of my claim. 

Sincerely, XXXX XXXX Attachments : Bank statements Citi confirmation of 0 % offer Screenshots of conversations
Product: Debt collection

I just received an alert that a new account was added to my credit reports as a collection from a place I never received any type of notice from nor am I aware of this debt. They have caused a decrease in my XXXX XXXX and it is damaging my credit to where it's causing harm to my profile and may prevent me from receiving new credit. I don't feel this company is even authorized to collect or bonded in the state of Texas and may have just found info anywhere and places it on my credit. Nothing is verified nor did I receive any type of notification regarding this info in which they have placed on my credit reports.
Product: Checking or savings account

Chime failed to refund me due to fraudulent charge on my account. My account was hacked through the app. A {$100.00} was sent to another person in the app. Chime was negligent during the investigation. I've been banking with them for years and they treat me like this. They kept my money and did not reverse any of the transactions
Product: Checking or savings account

I had an account with Wells Fargo in XXXX and XXXX. They allowed unauthorized transactions to go through my account from a fraudulent party and they charged me for the amount overdrafted from my account and fees I never paid and eventually they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong information address and phone numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a complaint about the below accounts being charge offs and/or closed paid in full. Charge offs are considered ordinary income how can it be reported on my credit report as debt? I never received a 1099c from the creditor for this alleged debt. This is violation of 15 USC 1681eb. Please remove this inaccurate information from my credit report.

I have not received an update or status of your investigation. I have asked you repeatedly to verify this debt by sending sign contracts/agreements and I have not received any correspondence. 

XXXX 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: Vehicle loan or lease

Dear Management/Executive ; Im really worried that some of the information on my credit report on this account about may be reporting inaccurately. I understand that you must have procedures in place to respond to questions about credit reporting. It looks like some of the details that you guys are reporting arent true. 

For example : Account Type shows Auto Loan when I thought the correct term for this alleged account was credit sale. Also, how is it possible that according to the credit report it shows the Open Date is XX/XX/XXXX and the First Report Date is not until XX/XX/XXXX ; Where are the records of good payment? How about the alledged recent balance? Look at the report, did you see the DATE of STATUS XX/XX/XXXX. - Again, how is possible that the first reported date is XX/XX/XXXX, but the Date of XXXX XX/XX/XXXX ... ..Where the good payment history? Honestly, i'm so concerned about the way this account is reporting with multiple errors, and if it's not fixed I 'may '' hire one of those FCRA attorneys like XXXX XXXX XXXX 

Anyway, can you please help me understand whats going on? Id like to see the following documents so that I can compare them to the information on my credit report. 

I would appreciate a thoughtful response from your office. Please dont send me an unintelligible response that doesnt address my concerns. 

Heres what Id like to see : The complete original alleged promissory note that shows my signature The account transaction history Any required default or acceleration notices The notice of sale document The Calculation of Surplus or Deficiency letter Any additional finance contracts including those related to insurance or finance products The buyers guide The purchase order Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note Thanks for your prompt attention to my concerns, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax, There are XXXX unauthorized hard credit inquires that you have stated are fraud and the inquiries have been removed. 

Please see these XXXX below that you say on fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX There are XXXX  that still show up on my credit report as of this complaint are : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Per your own documentation please remove these XXXX hard inquiries as soon as possible as its damaging my ability to obtain credit. 

Attached to this complaint are : my written complaint screen shots of my credit report a copy of the credit results where YOU have stated they are fraudulent and they are removed- even though they are not removed my drivers license my social security card my address
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$8400.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$35000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100000.00} ; XXXXXXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft. The following credit transactions below do not belong to me and should be deleted immediately. 

Addresses and Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX XXXX / XXXX XXXX  / opened XX/XX/XXXX updated XX/XX/XXXX XXXX XXXX XXXX/ XXXX / opened XX/XX/XXXX updated XX/XX/XXXX I.C. XXXX XXXX XXXX / XXXX / opened XX/XX/XXXX / updated XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX / opened XXXX updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX updated XX/XX/XXXX XXXX XXXX XXXX/ opened XX/XX/XXXX / updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX / updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX / updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / opened XX/XX/XXXX / updated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your Transunion on XX/XX/XXXX and I noticed several unauthorized inquiries had been made. I believe I was a victim of Transunion inquiry issue. Since I have contacted the Transunion and the companies who conducted these unauthorized inquires and asked them to remove these credit inquiries from my credit profile. I spoke with multiple Transunion costumer services specialists, and I was told there was nothing that could be done and their customer service would not help and take care of the negative inquiries reporting to my credit report.I request that you initiate an investigation into these unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX XXXX I via XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On :XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  Inquiry Date XX/XX/2021 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/ Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/ Delete this account.
Product: Credit card or prepaid card

I made an online charge with XXXX XXXX for {$36.00} on XX/XX/19 expecting delivery within 2 to 4 weeks. I contacted the vendor after 2 weeks to inquire about the order and was told they were going out of business and the shipping was behind. I waited another 2 weeks and contacted them again. The vendor 's e-mail of XX/XX/19 ( attached ) from XXXX apologized for the long delivery times and stated that if I no longer wanted to wait for the order I could cancel it at any time. 
On XX/XX/19, I wrote an e-mail ( attached ) to XXXX to cancel my order and refund my {$36.00}. I notified Barclays-XXXX that I was disputing the charge since I had not received the merchandise ordered and was cancelling my order. They gave me a provisional credit. 

The same day, XX/XX/19 I received a vendor e-mail from XXXX stating, " We have received your request to cancel, '' which ended my order relationship with the vendor and any financial obligation to them for the {$36.00} and I should have received the credit to my account shortly after that. On XX/XX/19 Barclays charged the {$36.00} back to my account and closed the dispute! On XX/XX/19, I received a notice that Barclays was closing my dispute because they claim it was resolved! I called them and they said I would have to fax them proof that I cancelled my order with XXXX XXXX in order to reopen the dispute. I had to go find a fax machine since I don't have one. 

On XX/XX/19 I faxed Barclays-XXXX a letter explaining my case and sent them copies of all the e-mails between myself and the vendor to prove that I no longer had any obligation to them and cancelled my order. When I checked my account in XXXX I noticed that they still had not credited my account so I called the disputes dept and they told me they AGAIN CLOSED THE DISPUTE because the vendor told them they sent out a package in XXXX! I argued they can not close it because I had NO ORDER with the vendor after I cancelled it and they acknowledged it and I sent them the proof of it in black and white. 
Barclays is NOT acting in their fiduciary capacity towards me their customer and upholding their responsibility to me. I do not expect them to believe a fly by night vendor over their customer, since I had no expectations of a package nor would I accept any package from them after I cancelled my order. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appears on my credit report ; even after your Investigation. Iw ould like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score : XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) and XXXX XXXX XXXX XXXX  ( Account # XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection! -D, please provide the names and business address of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than
records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN REPORTING HAS VIOLATED THE LAW AND REFUSED TO GIVE CREDIT REPORTS ETC. THEY WILL TAKE YOUR MONEY BUT WILL NOT COMPLY WITH CFPB RULES. THEY ARE A FRAUDLENT COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry appears on my credit report. I believe it happened XX/XX/2017 while I was abroad. I did not attempt to secure a loan or do anything else that would have required a hard inquiry. The Creditor Contact Details are : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Debt collection

On XXXX. XXXX, XXXX  ARS ACCOUNT RESOLUTION opened a collection. 
Account -- {$1300.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Last XXXX around the first week while trying to buy a house for my family, I found discrepancies in my credit reports with XXXX, XXXX, and Experian, as per 15 U.S.C. 1681. 
Since then I have been promptly contacting all three credit bureaus to address the issues, requesting the It's crucial to eliminate any fraudulent accounts promptly. requesting removal of outdated addresses, unauthorized inquiries, and the closure of erroneously reported accounts, both online and via phone communication. 
According to 15 U.S.C. 1681, such inaccuracies should not be present on credit reports as they can damage one 's reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is the mortgage company that holds the deed on my property at XXXX XXXX XXXX, XXXX NY. According to credit reporting agencies XXXX foreclosed on this property back on XXXX XXXX 2013, however XXXX is still passing information to the Credit Agencies as late payments or foreclosed, causing my credit scores to drop considerably. XXXX is also reporting to the credit agencies that foreclosure just started recently, when in fact the foreclosure was completed on XXXX 2013 according to information I received from a Veterans Mortgage ( XXXX XXXX ) company that is working with me to obtain a VA Home Loan.
Product: Consumer Loan

Credit acceptance need to not make me responsible for any payments once my dad passes. The car is in his name.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires are fraudulent and do not belong to me. Please remove them from credit report. Please see below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX