23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX To Whom It May Concern : I am writing this letter in regards to payments made on my federal student loans which should qualify under the public service loan forgiveness program. 

From XX/XX/XXXX through XX/XX/XXXX I was in repayment which was the income based repayment plan. On XX/XX/XXXX it states that I was in forbearance, but then was placed back in repayment which again would ( or should ) have been the income based repayment plan on XX/XX/XXXX. This continued through XX/XX/XXXX. All loans should have been on income based  repayment from XXXX. Due to low  income at the time this generated a monthly balance of {$0.00} during this time. There were no changes in loans or employment during this time period and so these loans should have remained under the same umbrella of the income based repayment plan. 

On XX/XX/XXXX the loans were placed in forbearance when all student  loans were placed in forbearance due to the pandemic. From XX/XX/XXXX through XX/XX/XXXX documentation has been submitted for a qualifying employer and these dates continue to state that they were ineligible under the public service loan forgiveness program. 

The months from XX/XX/XXXX through XX/XX/XXXX I did not receive a W-2 from a 501c3 organization, but did all of my work for a 501c3 organization. I understand this may disqualify those months, however, due to the pandemic and significant need for health care workers during that time it would seem that if work was being done at a qualifying institution and performing qualifying duties that these months should qualify as well. 

I have contacted the FedLoans program several times over the past six months regarding these issues and have not seen any of this information updated to reflect the above changes. I have included some information below, but please let me know if more detailed information is needed. 

While the Public Service Loan Forgiveness program was not in effect until XXXX, I have been committed to working for non-profit organizations and have been passionate and committed to serving the underserved populations since the year XXXX. It is my hope that the above can be corrected in a timely fashion and that the time I have served be recognized appropriately. Thank you for your assistance in this matter.
Product: Debt collection

They have contacted members of my family on their cells phones. No idea who they even got those numbers which mean they are paying to use some type of investigative service when they had my number. they should not be calling family members.
Product: Debt collection

This issue is related to a breach of contract for services not rendered by the merchant and a cancellation of those services under the contractual cancellation policy included in their agreement they refused to provide under the contract handwritten at XXXX XXXX in XXXX XXXX WA,XXXX as you can see in the contract attached it provided XXXX cases of bottled half liter size water every delivery and the documentation refers to see reverse for more info and the reverse page is not included. The company refused to honor the bottled case of water included in the contract but later said that was a promotion and sign on bonus one time only. Also you can see by the invoices provided that they never delivered those bottles of water. The cooler has been available for pick up for nearly 5 years at the same location and no one seems to want it.
Product: Bank account or service

I opened a account with bank of america over 8 years ago and at the time was told that i will not have any maintenance fees on my account, than in XXXX they started charging a {$12.00} maintenance fee without warning or being told that at all. when i contacted them they said it is because i did not fill the waiver requirements, which i never have, not before XXXX either.
Product: Checking or savings account

On XX/XX/2020 I received a call on my cell by a man acting as a Wells Fargo fraud employee wanting to assist me with possible fraud of an out of state charge for {$500.00}. He continued to ask me questions about this person, business and charge which I answered. I kept trying to get him to verify his identity which he did providing my checking account number as well as the past six checks I wrote. Then he persisted for about 45 minutes asking confidential information about debit card which I supplied pausing many times, sending text codes of XXXX and XXXX and to call XXXX, he said for my identity. He transferred {$5000.00} illegally to this name, XXXX XXXX with account number XXXX. He made notification changes, added this name as recipient of wire transfer and made all changes while holding me on the phone. I am a retired XXXX year old XXXX  and my XXXX yr. old daughter who was present were tricked by this impersonator of my {$5000.00} savings. I have discussed this 4 times with my local branch, called the fraud department minutes later and on the phone .3-4 times for their quick less than 10 day investigation findings showing they cant recover my money and the problem maybe my computer compromised. This is unacceptable that my account was not secure and money unprotected. I filed complaint with FTC, am going for police report and DA. Can you help me, PLEASE.
Product: Checking or savings account

I have made several attempts since XXXX XXXX - XX/XX/XXXX with both the NC dept of revenue ( NCDOR ) and Chases legal department on the process of updating/releasing the account as I have the paperwork supporting that NCDOR accepted a installment arrangement and a partial levy payment was made for {$610.00} from Chase to NCDOR on XX/XX/XXXX. The total levy was {$2800.00}. I have current screenshots of the bank holds.

The problem with the process is Chase is stating if the levies are not paid in full that they will not release the holds or update the hold amount if the NCDOR doesnt provide Chase a release form. NCDOR is saying that they wont send a partial release to Chase as that is not their process. Chase informed me XX/XX/XXXX it has the account date to be on hold until XXXX, which means I am also getting monthly maintenance fees. Two fees have already posted.

I just want my account back and according to NCDOR Chase shouldnt be doing this but we cant find any legal verbiage on the legality of how long the account can be on hold and accruing fees as well as understanding how to address the gap with the bank and NCDOR regarding partial payments and taking the customer in mind and if partial releases should be formally submitted by the NCDOR to Chase or is Chase wrong?
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2400.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX - Balance : {$940.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2000.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$2000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$8300.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$8300.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$27000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$27000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$27000.00} Account Name : XXXXXXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2400.00} Account Name : XXXXXXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2400.00} Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$590.00} Account Name XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$940.00} Account Name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$940.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$590.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

In XXXX of this year I filed a dispute with Us bank relia card. On US banks behalf they disputed the wrong transactions and they were in fault for disputing my 2 water bills one for XXXX dollars the other for XXXX. They pulled the phone call to see I in fact stated DO NOT dispute those water bills from XXXX XXXX XXXX XXXX XXXX XXXX! They did anyway. On XXXX XXXX a provisional credit was given to me for XXXX dollars ( the two water bills that werent supposed to be disputed in the first place ) And on XX/XX/2023 they took that money back from the water co. {$100.00} total. Then on the XXXX of XXXX they canceled the dispute because they were the ones responsible for the mix up in the first place. Not only did I repay the water company but I paid 2 fees of {$25.00} dollars for both returned payment fees and XXXX for a reconnect fee because of US banks negligence my water was turned off. 
Moving forward, on the XXXX of XXXX that {$100.00} dollars they already took back from the water company, they reversed the credit on my account. Let me rewind and tell you how many calls I have made because of someone elses mess up. Over 50 calls in the last month to them and they all have a different story. I have talked to upwards of 30 supervisors and noone can give me a tracking number or any kind of transaction number to where this money was supposedly issued back to the water company. So on XX/XX/XXXX the credit was taken back and was found to be no error. On XXXX the XXXX I had a deposit from the XXXX XXXX for {$120.00} and they took {$100.00} out of my account. At that point we should have been even. XXXX dollar balance. But instead took the provisional credit back and took that money from the water company and I am the one who originally paid it. That is my money they took. The water companys biling department for XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, KY. XXXX Has NO proof this money has made it back to them. Ive talked to every department even accounting and they dont have it. But the money has not returned and like the water company said. '' Once they accept a fraud dispute from the bank that money doesnt go back to the bank and then back to them. '' Its a one step process. Us bank owes me that {$100.00}. Dollars. 
Asked them to find a tracking or transaction ID number for the money that was sent back. They don't see that. Any money that goes in or out has some kind of papertrail. I want my money they owe me! I cant get anything done but going in a circle because of there negligence. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor {$1100.00} XXXX XXXXXXXX XXXX {$1200.00} XXXX {$1600.00} XXXXXXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX {$640.00} XXXX XXXXXXXX XXXX XXXX {$550.00} Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions, I break it down to understand like this, consumer ( indvidualu ally person ( company ) transaction ( payment history ) experiences ( utilization ) so if You have ion late payments on credit report go look up this ng law and use all the words marked in st ) parentheses, include this in your dispute letter and get em removed! XXXX XXXX XXXX  Please remove late payment
Product: Checking or savings account

On XXXX Called XXXX XXXX XXXX to XXXX. I paid with my Debit card to : XXXX XXXX XXXX amount of {$1600.00} they supposed to send me XXXX within 30 days which, fit my XXXX XXXX XXXX XXXX They sent me wrong XXXX which, i wasnt happy with it. Then, i return it back to them. Since then i didnt hear from them. I called my bank to dispute it. Because wasnt happy with their service. My bank, Wells Fargo said that, you sent a check, check number XXXX. Unfortunately we can not return your money back. I told them, first of all my checking number is around XXXX how did i issue a check number XXXX to XXXX XXXX XXXX? 
I called Wells Fargo several times after hours on the line again somebody coming on the phone ignor that to pay my money back. 
I need your help. I don't know how should i get my money back? Besides same XXXX XXXXXXXX XXXX XXXX selling for {$1600.00} I found that in XXXX for {$35.00} one time payment. 
I am willing to provide you the picture of that check XXXX Wells Fargo issued with out my permission & No signature. 
Thanks
Product: Checking or savings account

Overdraft fees even though I had set up for overdraft protection. Off the money wasnt there then the company shouldnt have issued.
Product: Student loan

I lost my job and got another job.I am trying to get back on my feet., the company start garnishing my wages without me knowing. I do not made enough money and I have to take care of my child and live.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, accounts # 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  AND XXXX BANKRUPTCY has violated my rights. The credit bureaus stated that my accounts was properly investigated but how is that possible if the open dates are inaccurate, the last date are inaccurate, an account that was file on bankruptcy has inaccurate dates, the balances are wrong and etc. This is grounds for removal from my credit reports. 15U.S.C. 1681 SECTION 602A states I have the right to privacy. 15U.S.C. 1681 SECTION 604A It also states a consumer reporting agency can not furnish an account with out my written instructions. 15U.S.C. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Bank account or service

I opted out of " debit card coverage '' from Chase when I opened my account. As of today, it is still listed as " off '' in my dashboard. This meant that I did not authorize Chase to overdraft my account for any reason. As listed in the description of the debit card coverage program, I should not be charged insufficient funds fees. This week, I was charged for XXXX insufficient funds fees. I tried to get the removed, providing them an explanation as to what happened with my card and asking for a little leniency since it 's around the holidays and money is tight for everyone. They said they would not remove them ( as this had happened once before in XX/XX/XXXX, and they removed the charges then ). I then remembered that my account was n't supposed to be overdrafted ever, and realized they were refusing to take fees off that they are n't supposed to charge me in the first place. I 've put in a request to have them removed again, reminding them that my debit card coverage is set to off, and have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  SOC SEC XXXX  XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX VT XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC XXXX  XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, VT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed this account XXXX XXXX XXXX XXXX XXXX XXXX  ] here on CFPB again that was found on my credit report from loan officers that I had requested original proof of last year. I was told that this account is a XXXX XXXX, however it's reporting that payments are still being made based on the payment history from XXXX. I then requested a reinvestigation in XXXX XXXX because I had found out the same thing was still on my credit report on XXXX XXXX ( in the midst of trying to get a mortgage loan ) that I wasn't aware of and/or thought were already removed/corrected. I requested for the account to be thourougly reinvestigated ( checking, updating, deleting, correcting the summary of each report from each of the XXXX bureaus ). I sent it via certified mail on XXXX ( tracking number below ). It has again been more than 30 days and no letter from XXXX stating if the CHARGE OFF was final or not. 

Not only that, but I found out recently that there's another account -> MIDLAND FUNDING Account number [ XXXX ] who supposedly bought the debt from CXXXX XXXX which is being reported as an OPEN ACCOUNT. Which is illegal and against FCRA to try to collect payments for the SAME DEBT through 2 different accounts.

Section 607 ( b ) of FCRA ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Consumer reporting agencies must Correct or Delete ANY inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Is still reporting the same inaccuracies for Account status, Terms, High Credit, Date Last reported, Date Last Active, and the 2 year payment history. All of which are violations and not reporting the same across all 3 bureaus. 

Unfortunately, I no longer have housing due to credit implications that has affected my credit score and history. As you will see my credit score has dropped tremendously even more within the last month because I've had to dispute over and over for the same problem. 

I'm requesting monetary relief and deletion at this point, because I've tried all I could. 


I will have the photo of both credit reports pulled on XXXX XXXX and XXXX XXXX in comparision showing that there was no thorough investigation done by XXXX nor MIDLAND FUNDING. 

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, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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

To Whom It May Concern TransUnion 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  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : XXXX XXXX  THIS NOTICE SHOULD NOT BE ON MY CREDIT REPORT ; ATTACHED IS MY SSN GIVEN BY THE GOVERNEMNT The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security Administration.

Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX  months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within XXXX  days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


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