23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and as such, I am entitled to request the immediate removal of fraudulent accounts and inquiries from my credit history. 
The following accounts should be blocked and deleted from my credit file : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$630.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$490.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$9400.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$340.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$340.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$630.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3600.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$630.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1700.00} Additionally, the following inquiries should be blocked and removed from my credit report as they were made due to unauthorized access stemming from the data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company that is the problem is VitalChek. I'm trying to get the birth certificates for my sons. I ordered on XX/XX/XXXX - they were very quick to take the money. 

Company does not respond in person to telephone inquires but tells you " due to high call volume to callback later. '' The company has only canned respones to issues that rather than specific statements of what needs to be done.
Product: Credit card or prepaid card

On XX/XX/2018 was my official day of receiving Welfare in the State of New York I went to ATM TD Bank on XXXX XXXX, XXXX and the newly install ATM in this Bank or Store did not accept the EBT Debt Card from the State of New York Welfare and I was not able to withdraw money from the EBT Debt Card is this legal that EBT Card is not able to used in this bank or store and is the United States Department of Agriculture aware that many or the ATM in the United States are not acceptable or capable of reading the EBT Cards and is this legal please investigate and all misconduct and mismanagement found all individuals involve be converted according to United States Federal Regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I bank with Bank of America and around XX/XX/2019 I saw 2 fraud XXXX transactions, {$2000.00} Each. When I called the bank to tell them it was a fraud transaction, they denied the claim and said you authorized it. However I did not. They said they sent a verification text to my phone number but however I haven't received that text. I just want my Money Back
Product: Student loan

Have been a victim of Identity Theft since XXXX when I turned XXXX, have not checked my credit until XXXX where I experienced a life changing situation and did not monitor my credit since. Had student loans and other unauthorized charges on my credit report, have been disputing them after confirming these charges were fraudulent.
Product: Bank account or service

Reference : Case # XXXX. 
XXXX ( XXXX ) called me today to tell me HSA Bank will close my account - their chose not mine. I sill CAN NOT access the account. When HSA closes my account and sends me a check there will be taxes due on this money because it is a tax deferred health savings account. HSA MUST pay the taxes since HSA has chosen to close the account because I can not access the account on line.
Product: Mortgage

Hello, I was on a forbearance plan from XXXX, XXXX, and XXXX. I received a notification that my credit had dropped approximately XXXX points. I checked my credit the first week of XXXX and immediately contacted my mortgage lender. I requested a review on my account since I was told my forbearance was for 6 months. They stated they mailed me paperwork saying it was for 3 months. However, the mail was not certified and I never received it. I questioned why didnt they email me, they stated they dont email that information, yet she can now email me a copy of those documents and she did. I was told i can reapply for the forbearance extension but there is no guarantee it will be valid. I received the application a week later after that initial call. I filled out the application, I have followed up weekly on the status and today I was told they never received my application. I log onto their portal today and my application is in there, it doesnt allow me to submit an application because they already have one on file.
Product: Student loan

I received an unexpected recount of XXXX XXXX counts on XX/XX/XXXX that I do not fully understand. The date of my estimated eligibility for XXXX is now further in the future and instead of having 2 estimated dates for forgiveness, I now unexpectedly have 3 estimated dates for forgiveness when I believe nothing has changed on my account since I was last informed of my estimated dates for XXXX forgiveness back in XX/XX/XXXX. 

For example, in XX/XX/XXXX, a letter indicated that I made XXXX XXXX  Eligible Payments or XXXX XXXX Qualifying Payments on Loan Sequence 1, giving me an estimated XXXX eligibility date of XX/XX/XXXX. In XX/XX/XXXX, I received a letter indicating that I made XXXX PSLF Eligible Payments or XXXX XXXX XXXXualifying Payments ( both of which indicate a higher number of payments being applied/eligible to be towards XXXX ). Despite the fact my payment count is higher, my new estimated eligibility date is XXXX/XXXX, 6 months later than the letter originally sent in XX/XX/XXXX. This does not make sense - making additional qualifying payments towards XXXX should not push the estimated forgiveness date further into the future. 

The same issue affects every loan sequence. Loan sequences with an original estimated eligibility date of XX/XX/XXXX now list an eligibility date of XXXX/XXXX, with the exception of several cases ( loan sequences XXXX, XXXX, and XXXX ) originally listing an estimated eligibility date of XX/XX/XXXX, but now listing an eligibility date of XXXX/XXXX ( instead of XXXX/XXXX like the change made to the loan sequences 1 and 2 originally with an estimated eligibility date of XX/XX/XXXX back in XX/XX/XXXX ). Loan sequences with an original estimated eligibility date of XXXX/XXXX, now list an eligibility date of XXXX/XXXX. This does not make sense. I do not understand why my XXXX eligibility is being pushed further into the future when my payment count has been increasing. Additionally, I do not understand why Loan Sequences 6, 8, and 10 now differ from Loan Sequences 1 and 2 when they previously did not differ. 

I would like an explanation as to why a ) my estimated dates for XXXX forgiveness are now further in the future and b ) why the estimated dates for forgiveness now differ between loan sequences 1, 2 vs. loan sequences 6, 8, 10, when there was no difference between these two groups in XX/XX/XXXX.
Product: Student loan

On three separate occasions, Nelnet 's KwikPay service has lapsed without user intervention, which directly resulted in incurring additional interest balances. Two of these occasions occurred prior to the start of the repayment phase, while the third occurred after a large bulk payment was made closing several accounts. KwikPay ( set up to use a still-valid financial institution ) failed to resume payments accordingly once the effects of the lump payment wore off, resulting in a late payment. Nelnet remarks that they have the right to automatically place such loans into forbearance but refuses to acknowledge that the KwikPay system has been flawed for years and frequently mishandles applied payments or fails to collect them in the first place. 
The loan is on a standard repayment plan and I have a perfect pay history when funds are due.
Product: Mortgage

Wells Fargo Mortgage Company ( Iowa ) has allowed my flood insurance to lapse ( they escrow for taxes and insurance for my property ) They admitted that it was their fault in a letter sent to me, and subsequently agreed to let me find my own coverage, although they had placed a XXXX forced policy. They further assured me that they would not charge me, and would adjust the amount once I got my own policy. They renaged on their word, and added {$400.00} to my monthly payment which is paid on XX/XX/XXXX and XX/XX/XXXX. 
Per an attorney, I should proceed with getting my own policy, which I did. They got the invoice and my signed application from the Insurance Agency, sent me a letter one day saying that the forced policy has been cancelled, then another letter stating that they place ANOTHER forced policy because the coverage is not enough. I asked the POINTED question, what is the dollar amount that is needed because the amount of my policy was based on the square footage of my home, and the NFIP requirements. I have received no response, and several contradicting answers from the calls that I have made. The new agency has requested that they fax them ( XXXX ) the dollar amount that they required. To date, the response has not been forwarded.. Wells Fargo has been very dishonest, and uncooperative in their interaction with me, and I might add CONDISENDING. Their intention is to direct business to their OWN insurance department at the expense of poor consumers like myself. I have been going through this with them for MONTHS. They will, and have been, doing EVERYTHING not to pay my policy. They got a phone number of XXXX XXXX to call, yet they called a number that is not yielding the appropriate results, which is to get the policy paid. I might pursue legal actions, but I am so frustrated, that I think this company needs to be reported to as many agencies as possible ; and be aware that this has been an ongoing practice with Wells Fargo.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am currently trying to refinance my mortgage at a lower rate. My current rate is 4.25 %. I was quoted a rate by  BB & T  of 3.5 % on   XXXX     based on the property value of {$120000.00} which was from  the county p roperty tax a ssessor and my excellent credit score. After  providing all the consen ts and paperwork to proceed, an appraisal fee was requested. I paid {$620.00} to BB & T for the appraisal. Upon receipt of the appraisal report, BB & T   informed me that they could no longer offer me a rate of 3.5 %. They could only offer a 3.625 % rate, since the property value was assessed at {$98000.00}. I have an excellent credit score o f  XXXX  and feel that the appraisal was deliberately undervalued so that the rate would be inflated. The rate change is fraudulent and misleading. The paid appraisal value and tax assessment are too far apart. This should be investigated for fraudulent activity and prosecuted to the fullest extent of the law.
Product: Credit reporting or other personal consumer reports

Violations of 15 U.S. Code 16815-2. Inaccurate Reporting of information. I have reached out to Experian in regard to unauthorized Inquiries on my credit report and fraudulent accounts opened on my credit report without my consent. On XX/XX/year> I reached out to Experian to investigate the matter. After 30 days i received rests from the dispute but nothing was changed after saying the accounts was updated and verified, I compared my report from the prior months and noticed nothing had been updated, which is a violations of my consumer rights and a violation to the FCRA Laws. I made them aware that these accounts at question was fraudulently opened under my identity which put me as a consumer and my credit report at XXXX XXXX. Failing to investigate this matter was a violation and how they are not to be reporting such information especially if I have made them aware that I didn't apply for any lines of credit nor product, as a data Furnisher, there job is to make sure accuracy reflects on a consumer reports and I have showed them where they have violated with them not complying with my request to have these inquiries and accounts deleted is a violation of my consumer rights and that they are being no compliant with Federal, State and FCRAS guidelines. I have pointed out the Laws to this Data Furnishers and how they are in clear violations of the what they have been furnishing, Credit Reporting Agencies from what they have allowed these institutions to Knowingly Report the inaccurate information. This is a clear violation of 15 U.S. Code 16815-2 and my Consumer Rights, this has affected my ability to obtain Credit and have damaged my Reputation as a Consumer. I Demand these Inquires and accounts be Deleted.
Product: Debt collection

I just got rejected for a credit card and come to find out I have XXXX collections that I was never made aware of. 
I am disputing these charges for a few reasons. 
1. I was never notified of these charges2. I do n't owe any money to these creditors3. I tried to reach the collection agencies and received no reply or information from them regarding these charges
Product: Mortgage

My home equity loan was transferred from XXXX XXXX XXXX and Reporting ( XXXX  ) to Specialized Loan Servicing LLC ( Specialized ) in XXXX. A payment I made to XXXX was not credited to my account. I attempted to make an additional payment to Specialized in XXXX of XXXX ( and received electronic confirmation of Specializeds receipt of that payment ), but that payment was not removed from my account. This has resulted in my account being shown as overdue when it is not. 

I asked Specialized to 1 ) credit my account for the payment that was made to XXXX, 2 ) confirm that Specialized will not debit my account for the additional payment that I attempted to make, 3 ) waive all late charges, 4 ) confirm that their actions will not have any adverse impact on my credit, and 5 ) provide me with an updated and accurate statement of the balance due on my account.

To date, I have received no response from Specialized. When I called their customer service number, their representative could not or would not resolve these issues. I filed an online request for assistance and received no response other than their computer-generated email saying that my request had been received. I followed up several times on my initial request and have still not received a response.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my XXXX XXXX XXXX XXXX XXXX, and IRS tax information by the U.S. Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This breach constitutes a direct violation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including XXXX XXXX XXXX XXXX XXXX  information. 
3. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under XXXX ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the XXXX XXXX XXXX, which governs the use and protection of XXXX XXXX XXXX information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XX/XX/XXXX Confirmation XXXX. See Attached. 
XXXX 's XX/XX/XXXX Lost or Stolen, not me, hackers tried to order a huge amount of stuff. XXXX 's called me and stopped it. The account above this one dated XX/XX/XXXX is mine. This looks like I have two accounts, I only have the one. Take the XX/XX/XXXX off. The hackers are in XXXX XXXX FL, see attached, they changed all my contact info with XXXX 's, I got this statement online, my account is now changed back to me in Kansas. 

Hackers applied for credit, 9 companies dated XX/XX/XXXX to XX/XX/XXXX using my personnal information, which makes it looks like it was me, but it is not. The address in XXXX XXXX, FL is who did this. These hard inquires are pulling my credit score down. I DID NOT APPLY FOR CREDIT WITH THESE COMPANIES. Who would apply for credit this many times in such a short period of time?
Product: Debt collection

This company LVNV Funding LLC sent an email to my half sister that had my account information on it about a debt they were trying to collect. The email was address to me, by first name and said my account will be sent to an attorney for possible lawsuit in 4 months. The email said to review the account information that included the last 4 numbers of the account number, the original creditor 's name, the current owner of the account with a different ID and the total balance I owed. 

I assumed in their research, they thought I was using a different name, because me and my half sister have similar names, but we do not communication often, do not live in the same state, and do not share emails. She should not have all of my account information.
Product: Mortgage

My homeowners insurance was not paid by my escrow reserve account which is owned and administered by LOANCARE/XXXX. In conversations with LOANCARE/XXXX employees over the past couple of days. I learned that these companies did not do due diligence in paying my homeowners insurance for the mortgage of my family 's home despite having agreed to do so since agreeing to manage my mortgage and escrow account. The actions or inactions of either LOANCARE/XXXX  has resulted in the cancelation of my homeowners Insurance policy by XXXX XXXX. The truth of this situation was discovered by sheer accident not by the company but rather due to mortgage refinance that I initiated. In talking to employees at both LOANCARE/XXXX and XXXX I have been given contradictory information why and how this error occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries and personal information were inaccurate and unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Bureau 's investigation. I have already addressed this issue to the Bureaus but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries and personal information that should be removed : Addresses 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, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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. XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 at XXXX, I received notifications ( via both the Discover Banking mobile app and email ) that Discover Bank XXXX noticed unusual activity on ( my ) account '', and that my account access had been suspended " for security purposes ''. I was given a number to call and was told to call " IMMEDIATELY ''. The notice also said quote : " Our 100 % U.S.-based customer service team is available XXXX hours a day, XXXX days a week. '' I checked that the number was correct ( Discover Bank 's Fraud and Phishing Detecting Hotline ), and proceeded to call the number. After being put on hold for an hour without any additional information, I hung up. 

Later that day at XXXX ( midnight ), I tried calling again. This time, I was redirected to an agent who told me that the Security department had closed for the night and to try again the next day. The agent also informed me that the department behind that hotline was only available from XXXX to XXXX EST. This was already in conflict with what the notice mentioned about their customer service team being available XXXX. 

I tried calling again the next day at XXXX, and was put on hold all the way until XXXX, at which point I could not remain on the phone due to family and working commitments. I called Discover Bank 's general hotline, and managed to speak to an agent who could only tell me that they could not access my account at all, and that the Fraud hotline was the only way I could do anything with my account. 

The next day I woke up at XXXX minutes before XXXX EST, and initiated a call exactly at XXXX EST to the Fraud hotline again. However, the machine-based system still put me on hold for over an hour once again. 

There is clearly nobody manning the phones behind this hotline that is supposed to have XXXX actual human support. This is made all the worse by the fact that the freezing of my account literally impacts my family 's and my ability to make purchases for daily necessities, such as groceries. 

Discover Bank really has no place in today 's financial world if all they can do is lie about how they are an online-only bank, and then provide such ambiguous process for customers.