23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a XXXX and have worked full time since 2012 aside from maternity leave. I was fortunate to qualify for XXXX Loan Repayment through XXXX and XXXX which helps me make payments for 3 years, providing me more money each month than I am required to pay to FedLoan Servicing. 

Recently I submitted my Public Service Loan Forgiveness ( PSLF ) certification but was shocked to see that I have only made XXXX qualifying payments in the 4 years that I have been working at my XXXX. FedLoan Servicing 's justification is that the extra money that I paid on top of what was due, automatically was put towards the next month, disqualifying ALL of those payments from PSLF. 

For each month I made payments from between {$2800.00} and XXXX each month, while only required to pay {$720.00}. My bills however show {$0.00} due every month. 

I find it outrageous and disheartening that by default, overpaying your bill each month would result in " Paid Ahead '' disqualifying payments from the PSLF program, unless I had taken additional steps to personally request that the money not be put towards the following month. I feel like the last 3 years of my payments have been wasted, and my XXXX program actually extended my PSLF months. 

This results in 3 years of additional payments, which is real money. It results in me being locked into a qualifying employment situation for XXXX additional years, all because for a period of time I was able to pay extra. I find it unjustifiable that by default, extra payments have negatively impacted my life.
Product: Mortgage

Called in XXXX to have our mortgage co the insurance due from escrow as prev insurance company left XXXX. They could not issue payment in time to avoid being dropped and they advised we pay it ourselves and they would reimburse us. We paid in full XXXX for one year on XX/XX/XXXX. They then paid it as well they say, but the statement from our insurance company has only my payment and there was no payment recorded from the mortgage company, New Rez. They say they paid it on XX/XX/XXXX, and I called again, now they say they paid it on XX/XX/XXXX. Neither is correct, They will not issue a refund from Escrow to us for paying it ourselves and now they will not refund the amt. we paid. 
They said the Insurance Company, XXXX XXXX, will send us the refund for overpayment and " thats how its done '' and that thats why New Rez will not release the refund to us.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, somebody got into my checking account, transferred {$5000.00} to my joint tenant brokerage account, and then proceeded to successfully wire {$3500.00} to what I assume was their own bank account. They attempted to wire more money out, but luckily my bank ( Charles Schwab ) blocked these wires from going through. Charles Schwab immediately contacted me in order to get me a new debit card, submit a police report, and fill me in on what was to happen moving forward. They stated that their fraud department would begin an investigation into what happened. They stated that the investigation could take up to 90 days to be completed. 
Well, as of today, it has been 90 days. I have yet to be updated on anything related to the investigation. Since XX/XX/2023, I have contacted Charles Schwab in relation to this investigation on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. These were all calls, but I also contacted them on other dates over online chat on the bank 's website ( of which I have no records of ). In all of these instances, the representative would tell me that they'd contact the fraud department and ask for an update. Each time, I also asked about the likelihood of me being able to receive my money back that was stolen. They would state that I SHOULD get my money back, but that they couldn't GUARANTEE it since it was not their expertise. During these past 90 days, I never received a call or email back from the representatives or fraud department. 
What should I do? I don't see how I could possibly be in the wrong here. Should I take this to court? I do not know. I am just a college student at the XXXX XXXX XXXX XXXX XXXX. This money that was stolen is part of my scholarship/grant/student-loan money. I utilize this for paying for my way through school... I really need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue in XX/XX/21 XXXX was : Equifax in reports XXXX, XXXX and XXXX stated on XX/XX/21, XX/XX/21 and XX/XX/21 : " ... an internal review was completed and results were mailed to you. '' In reports XXXX and XXXX Equifax in apparent contradictions stated on XX/XX/21 and XX/XX/21 : " When the furnishing company provides their findings, we will send those results to you. '' XX/XX/21 XXXX complained the above to which Equifax XX/XX/21 disingenuously responded : " Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. '' Equifax 's XX/XX/21 response to XXXX was : Please provide us with the following information : Specific item name, account numbers and nature of dispute... 

In XXXX, XXXX, XXXX, XXXX and XXXX Equifax clearly acknowledged the nature of the dispute. 

The specific item name and account numbers are in the attached Equifax XX/XX/21 and XX/XX/21 confirmation # s XXXX and XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer report agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 card

On XXXX i noticed that there was a transaction that i did not recognize on my credit card account for XXXX. I called American Express Bluebird to report the transaction. At the time i was advised that they would not be able to start an investigation until the transaction posted to the account. I had been monitoring the account and on XXXX/XXXX/2015 i notice that the funds were charged and so I called American Express. Up until that point they were not able to supply me with information as to were this transaction took place. To date they have refused to supply me with this information. On XXXX/XXXX/2015 in our conversation they advised that in order for them to initiate a fraud case i needed to fill out a declaration of fraud. In the email it advises me that it may take up to 45 days to investigate. I was going to fill this document out and email it back the following day since I was at work at the time. On XXXX/XXXX/2015 I received an email stating : " Recently you inquired about your charge ( s ) from your American Express Prepaid Card in the total amount of {$530.00}. Based upon our investigation we have determined that no error occurred and that transaction in question was authorized '' sequentially I received another email on the same day minutes apart stating : '' During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : Section XXXX Due to the violation, your Account has been closed. '' when called to inquire I was told that no information was able to be provided since the account was closed. I inquired as to what factors and evidence did they use to determine that the transaction was not fraud I was told that i needed to call the police and they will provide that information to them -, I called as a last resort to this complaint and spoke to XXXX rep XXXX to get what was the main office address for American Express and was advised that he was not able to provide me that information, however he did advise that the XXXX for an investigation was that they needed the XXXX returned to be able to initiate the fraud investigation. when Questions as to why if I had not yet replied I receive the above mentioned email he was unable to respond. I then asked what bank was the credit card company affiliated with he was unable to provided me with that number. I called again and all of the mention information including the fact that they could not open a fraud case unless the XXXX was received was confirmed by XXXX rep XXXX. I then tried my luck with a supervisor and was told that they would only disclose information to a police officer.
Product: Checking or savings account

My account was frozen then I had overdraft fee and my account was closed due to supposably fraud
Product: Credit reporting or other personal consumer reports

Dear EQUIFAX I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : 1. A copy of my identity theft report filed with the Federal Trade Commission ( FTC ) XXXX XXXX. A COPY OF MY CREDIT REPORT I request that you block and remove the fraudulent accounts and any associated negative information as mandated by law. The accounts in question are as follows : INCORRECT ADRESSES : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX INCORRECT EMPLOYER : XXXX XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

After speaking with the debt collector, Jefferson capital systems, they informed the debt I owe was from an account I had with XXXX that was closed out back in XXXX. I have been with XXXX which is XXXX now for over XXXX years and was never notified of any debt that I owe. This debt has just been reported on my credit report for the first time this year, ( XX/XX/XXXX ) without me receiving any notification. After speaking with Jefferson capital systems they informed me that they tried to notify me through email and mailing addresses that are not associated with me. I am also surprised to see that such an old debt, ( over XXXX years ) can still even be reported on my credit report? I thought there was a statute of limitations of XXXX years from the last reported missed payment date that a debt collector had to submit a debt to credit bureaus? I have contacted XXXX to dispute the debt and also Jefferson capital systems as well. They said they would dispute the debt. I am disappointed that Jefferson capital systems was able to report said debt to credit bureaus without any proper notifications and also with the age of the date of the debt. I work hard to keep my credit up and for me to take a hit like this without any proper notification is disappointing needless to say.
Product: Debt collection

Phone number XXXX keeps calling my home and leaving the following message : " We have an important message from Independent Recovery Resources, Incorporated. This is a call from a debt collector. Please call XXXX. '' When you call the provided number, it gives you their contact information ( IRR, Inc. XXXX XXXX NY XXXX ; irrcollect.com ) the option ( press 3 ) to enter in your phone number if the debt does not belong to you. I have submitted this information and I continue to get the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed on my new home on XX/XX/XXXX. I immediately started notifying my creditors of my new address. I received a collection call from Genesis F.S. card services informing me that my XXXX payment was delinquent. I told her I had paid all my bills. I asked her if statement had been mailed. She said they received my change of address but they were waiting for me to call before they approved changing it. I've never heard such b.s. but okay. I paid my delinquent XXXX paint as well as my XXXX to bring account current. I asked her if my account had been reported 30 days delinquent. She said yes. I asked for correction to be submitted. She said ok. I then made payment of {$1100.00} to pay account off. I did follow up call on XX/XX/XXXX. Spoke with XXXX. Td him I was following up on cbr correction. He said he sees in note request was sent but takes 30 -60 days. I asked for letter to be sent for me for my records. They sent me a letter basically asking me why do I want cbr corrected. I fell as though this company is using unfair tactics to abuse customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently ask for the removal of the unauthorized inquiries from my credit report, as they were not initiated by me and are causing significant distress. These accounts were not authorized or approved by me, and it is unfair for me to be held accountable. I urge you to promptly address this issue.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX  {$3600.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX - XXXX {$7300.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$720.00} XXXX XXXX XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX {$1100.00} XXXX - XXXX {$9200.00} XXXX - XXXX {$850.00} XXXX - XXXX {$850.00} XXXX - XXXX {$9200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$7000.00} XXXX - XXXX XXXX XXXX - XXXX {$29000.00} XXXX XXXX XXXX {$40.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Did a voluntary repossession on my vehicle and NEVER missed monthly agreed payments and have NEVER BEEN LATE. I've PAID OFF the settlement amount EARLY and they're REPORTING ME AS BEING LATE ... AND I'VE NEVER BEEN LATE and THEY'RE JUST REPORTING THAT I PAID OFF THE LOAN AMOUNT 3 MONTHS AGO and my credit report and fico score is DECLINING and this is my THIRD TIME TRYING TO CORRECT THIS ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I sent in supporting information to reflect an account as paid in full 2. The reporting agency keeps ignoring my request to have my account updated 3. I mailed out the attached letter of satisfaction to the following reporting agencies Equfax / XXXX   and XXXX XXXX and never received a response in over 4 years from either. 
4. Equifax/XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX 5 . To many names to remember over the past 4 years
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has stated that two of my loans have been charged off and it is showing on my credit report. One is in the amount of XXXX the other one is XXXX. I am a physician and placed these loans in a XXXX relief program. I set up payment arrangements at {$300.00} a month and they have reported that these loans are in default even though they have sold their loans to XXXX XXXX XXXX which I pay on monthly. They also sent the balances to my taxes which I had to pay {$6000.00} on. In order for a loan to go into default it has to have no payment for six months and this Was NOT the case. I have received NO phone calls or paperwork on these loans! I want them to go back and look at the notes of my wife and I calling in to make arrangements. Wells Fargo is lazy and you never get the same person on the phone twice. They make it almost impossible! I have ALOT of student loans from medical school and have NEVER defaulted on anything. I want this taken off my credit report. Wells Fargo has been in several class action lawsuits for their sketchy practices and this is NO exception! I am a physician and my credit report is taking a huge hit because of Wells Fargos shady dealings. The next step in this process is to hire an attorney.
Product: Credit card or prepaid card

Request removal from account Ex-spouse Spoke with fraudulent representative No access to account Suspect credit card fraud
Product: Debt collection

CAPITAL ONE SWEARS I OWE THEM 400 PLUS DOLLARS BUT CAN'T PROVE IT. I ASKED THEM MULTIPLE TIMES. I EVEN PHYSICALLY WENT INTO A LOCATION IN XXXX XXXX. THEY TOLD ME MY ACCOUNT WAS CLEAN, THEN OFFERED ME AN AUTO LOAN. 

HOW CAN I GET ANOTHER LOAN IF I OWED? A LOAN FOR 100 TIMES THE AMOUNT SUPPOSEDLY OWED? EXACTLY. THAT'S NOT HOW IT WORKS. 

I'VE DISPUTED THIS MULTIPLE TIME. I DON'T KNOW WHAT ELSE TO DO, BUT COME XXXX XXXX XXXXXXXX. 

I ALREADY PAID THE CARD I HAD WITH YOU ALL. LATE, BUT I PAID IT. ONCE I PAID IT, YALL BEGAN ASKING FOR MORE MONEY. HOW? HOW CAN YOU BE CHARGING ME PAST INTEREST ON SOMETHING THAT WAS PAID OFF? THEN YOU KEEP GOING TO XXXX XXXX XXXX. 

AFTER I PAID THE CARD OFF, TELL ME, WHY WOULD I WANT ANOTHER ONE? YALL XXXX  AND LAZY. I WISH I HAD ENOUGH FOR A CLASS ACTIONS LAWSUIT. 

STOP ASKING ME FOR MONEY. DIRECTLY OR THROUGH YOUR FLUNKIES. I DON'T OWE YOU ANYTHING. YOU SAID I DON'T. EVEN THEN, THAT WAS IN XXXX. NO LATER THAN XXXX. HOW CAN YOU STILL BE CLAIMING THIS 7 YEARS LATER. PAID OR NOT? 

IF YOU CONTINUE TO ILLEGALLY HARASS ME, I INTEND TO FILE AN OFFICIAL COMPLAINT WITH MY STATE, LOCAL, AND NATIONAL COURT UNDER THE FCRA. YOUR INTERFERENCE IN MY LIFE HAS COST ME AN OPPORTUNITY TO GET EVEN MORE CREDIT FOR OTHER THINGS. STOP IT. NOW.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Hello My Name is XXXX XXXX XXXX .Paypal Close My Account For No Reason. I checked there users agreement and there is nothing that I would have done and checking my activity I am no wrong even they close my account. In my account have over XXXX Usd .I earn money after hard working over 1 month. I lost my whole money. I try to contact to paypal customer service many time but didn't got any solution. I open my paypal account via this gmail id ( link with my paypal account ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint again despite of the multiple previous written requests, the unverified items listed here still remain on my credit report in violation of Federal Law. They failed to comply with Credit Reporting Act, Section 605b within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The following items should be removed immediately from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$27.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was sold to XXXX XXXX  by XXXX XXXX. When the account was closed by XXXX and a new account opened by XXXX to changed my average age of accounts. This caused my credit score to drop by 22 points at XXXX and 25 points at XXXX. Those are 'XXXX XXXX XXXX ' numbers. It dropped 28 points with Experian using XXXX XXXX XXXX. 

Banks buying and selling accounts is very common. The consumer should not be penalized for what banks do in their own time. I have done nothing to deserve this. 

I am relocating to a different state in 2019, and this is very terrible timing. My score will be lower as a result of something I had no control over. This will affect me when qualifying for a new mortgage and the interest rates I will be offered. 

The Average Age of Accounts might have some benefit toward risk assessment, but it makes my 30 years worth of credit look like I just opened my first account.This is an unfair business practice.
Product: Debt collection

Since XX/XX/year>, I have been receiving phone calls every weekday from an organization identifying themselves as " United Collection Bureau '' or something similar ( they read so fast from the script I can not tell sometimes ). 

The number comes up as " Spam Risk '' on my phone so I do not answer. The originating numbers are from Indiana ( it is never the same number twice ). 

I do not have any debt to be collected. There is no collection item on my credit report. I have never received anything in writing from an organization called " United Collection Bureau '' nor from any company that would employ them regarding an outstanding debt. 

I do not know what this involves and am not picking up a random phone call titled " Spam Risk '' and/or conducting busness over the phone with an unknown entity. 

At this point, the volume of calls are harassing in nature.