23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Currently enrolled in PSLF through FedLoan. I am getting close to my 120 payments, but several of the previously certified payments ( they were certified prior to it being sold to FedLoan ) have been " pending manual review '' for months. I had discussed this issue with them over the summer and they said they would expedite ( no more than 30 days ), 3 months later I emailed and they said it was still pending. This is very problematic as I need to know how close I am to paying these off.
Product: Credit card

I opened a dispute with my XXXX Fidelity credit card for about {$800.00} resulting from an incident in which a XXXX customer service representative told me the wrong information when I was seeking a refund I was owed for tickets I had purchased but that were never delivered to me, resulting in XXXX refusing to provide me the refund. I opened a dispute with Fidelity, because I purchased the tickets originally with my Fidelity XXXX card. I was told I would receive a letter in the mail asking for more information so Fidelity could investigate the dispute. I waited, but never received the letter in the mail. About a month later I received a letter in the mail saying my dispute was being closed because I did not provide the required information. I immediately called back to ask for the dispute to be reopened. The customer service agent told me she reopened the dispute. I asked her whether I could provide the necessary information over the phone instead of waiting to receive a letter in the mail. She said yes and I explained the details of the dispute. She said Fidelity would follow up with me about next steps. When about a month passed and I didnt hear anything, I called Fidelity back. I was told the dispute was never reopened and that under XXXX strict rules it could not be reopened because more than 30 days had passed since I opened it. That sounds like a completely arbitrary and overly restrictive rule meant to deny valid disputes. Fidelity is refusing to help me, and I have now been scammed by both XXXX and Fidelity. It is clear the companies are using their immense corporate power to steal money from hard working people like myself. Fidelity claims they sent me a letter and called me twice to ask for more information about the dispute, but I never received the letter and dont have a record of missed calls from them in my call log. I am being denied the opportunity to have my dispute considered and I need help. There is a serious problem here. I have always been incredibly willing to provide whatever information Fidelity needs to resolve the dispute but they intentionally make it very difficult to do so so they can avoid paying out legitimate claims. This is a major problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report no. XXXX I have contacted the credit agency on multiply occasions asking for the methods they used to verify my accounts. 




After 3 times I received a response stating the accounts were verified. I was not asking to verify the accounts but HOW they verified the accounts. I asked specific questions on how they verified the accounts and have not received an answer
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

XXXX XXXX XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00} fraudulent, inaccurate, and false information in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  XXXX Balance : {$62.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the late payment records reported on my credit report by the Department of Education servicing company, Nelnet. The information is inaccurate, and I respectfully request that XXXXCFPB investigate this matter and remove the erroneous late payments from my credit history. 
The payments in question were automatically processed through ACH processing, with my bank account information verified by Nelnet services. The Nelnet website portal consistently displayed that each payment was processed and paid in full, confirming that no payments were missed or delayed. Furthermore, my account is currently paid in full, reinforcing that there were no outstanding balances that would have resulted in late payments. 

Additionally, given my positive payment history, I respectfully request that CFPBXXXX consider a goodwill adjustment to remove the late payment records in recognition of my otherwise consistent record of on-time payments. 
I would appreciate a written confirmation once the necessary corrections have been made. Thank you for your time and prompt attention to this matter. Please contact me at your earliest convenience if additional information is required.
Product: Checking or savings account

On XXXX XXXX I complained to Chase Bank for a fraud for XXXX dollars of which I was a victim on XXXX XXXX and that the Bank considered that there had been nothing illegal and therefore did not return my money.This day this complait was sent to the Chase Bank and on XX/XX/XXXX the Bank responded by denying the claim again.After several attempts I was able to speak with XXXX the person from the executive office who attended my case and later I spoke with the Deparment of Fraud below to Chase Bank and I obtained new information, on XX/XX/XXXX at XXXX XXXX they received a call from a XXXX to request an increase in the ceiling of my debit card terminated at XXXX to XXXX dollars to request the transactions that they needed, a supervisor asked him some personal questions that they answered and everything wes fine.My point is first that number I do not know and second that number is not credited to my account if the Bank had done things right would never have accepted the call because this number was not there in your file and called me to the phone number in your file, also it can easily be verified that it was not me who spoke by comparing the voices, I put all this in a letter I made to the claims department which I sent by fax on XX/XX/XXXX, and on XX/XX/XXXX I received a response with the same letter word by word that they sent me when the first rejection, which makes me think that they did not give the slightest importance, that is, the Bank already took their decision and this is immovable, of course they are not willing to lose those XXXX and prefer that I lose them being totally innocent.I hope thet someone does something correct and the justice will be restored.
Product: Credit reporting or other personal consumer reports

Tried to call them 5+ times No answer Fraud from XXXX on my account Says its pending but havent provided updates on mail received
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct or remove. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected or remove : XXXX XXXX XXXX XXXX XXXX : {$3300.00}XXXX XXXX  XXXX XXXX XXXX : {$0.00} - removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX LexisNexis Consumer Center Attn : Escalations XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX D.O.B : XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a XXXX system. 
This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. 
Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 

Sincerely, XXXX XXXX
Product: Money transfers

This complaint is for Chase Bank with business address at XXXX, Texas XXXX USAI needed to send money to my boyfriend who is currently in XXXX. He has to pay some fees to the XXXX government. But my boyfriend has no bank account in XXXX to receive my wire transfer. He ca n't open XXXX because of lack of requirements being a foreigner there. So he asked help from a friend. This friend gave him the details of his friend in XXXX, Texas who will receive the wire transfer money from me. Once the beneficiary receives the money from me, he will call my boyfriend 's friend to confirm that he received the money, only then will my boyfriend 's friend will deliver the money in XXXX to my boyfriend. That was the arrangement when I asked my boyfriend on how could he get the money. 

So on XXXX XXXX, I sent a wire transfer in the amount of {$12000.00} to XXXX XXXX to his Chase Bank account in XXXX. But after an hour or XXXX, I received an email from my boyfriend 's friend for me to cancel the wire transfer. So I called my bank to cancel the transaction but the bank said the wire transfer was already debited from my account and was already sent to Chase Bank. So my bank called Chase Bank and requested a call back funds. 

Chase Bank confirmed that the {$12000.00} that I sent was credited to XXXX XXXX Chase Bank account. But because Chase Bank can not get hold of XXXX XXXX, Chase Bank closed his account so that he could not withdraw the money. XXXX Chase Bank employees called me and verified if I was the sender by asking questions regarding the wire transfer and I answered them all. 

Since then, I made follow-ups for my call back funds but my bank said they have not received a response from Chase Bank. I was too worried because my boyfriend needed the money. 

On XX/XX/XXXX, I sent a letter to Chase Bank to send me back my {$12000.00}. But Chase did not reply. And again on XXXX XXXX, I sent a follow-up letter to request the return of my money, but still no reply. 

Chase Bank-XXXX has no right to withhold my {$12000.00} for the reason that they were still investigating since XX/XX/XXXX, if the money is allegedly for funding terrorist activities. They should have finished the investigation after XXXX months. Chase Bank should return my money by sending me a check in the amount of {$12000.00} and send it to my mailing address not through a wire transfer because my bank has closed my account. 

It 's my money. Chase Bank has no right to withhold it for a long time. 

XXXX XXXXComplainant
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX I bought a house through GMAC Mortgage company. I lived in the house until I sold it on XXXX XXXX, XXXX for the full amount of the mortgage owed. I did not profit from the sale of the house nor did I owe anything on the house after it was sold. I made my mortgage payments on time so there was nothing delinquent as far as the payments were concerned. Recently while attempting to clean up my credit, I noticed that the NOW closed company of GMAC mortgage was bought out by OCWEN Mortgage and it appears on my XXXX account even though the GMAC account appears on all of my credit reports. 
I have faxed a letter plus a copy of all my credit reports to OCWEN on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I spent over an hour and a half on XXXX/XXXX/XXXX on the phone with " research representative - # XXXX '' and he was not able to give me an answer as to why, even though the account was closed and in good standing their company appears on my credit report. 
I am attempting to work on and clean up my credit report and I feel as though since it has been over 10 years since this was first reported, that I would like the accounts removed ( GMAC and OCWEN/GMAC ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a completed form requesting my free annual credit report from XXXX and Experian to the address on the form at XXXX in Atlanta. 

Although XXXX sent a report that is an utter outrage ( Confirmation # XXXX ) and sold my information in violation of my rights to XXXX different companies during a time when a credit freeze was supposed to be on my account, I have yet to receive a report from Experian. 

I will file a separate complaint for the host of inaccurate and incomplete information on my XXXX report, but please shut down XXXX and stop, once and for all, its profligate profiteering and trafficking in my personal information, while its parasitic injury is allowed to continue. 

XXXX has had so many violations of the law long before its infamous cyber hacking that it needs to have a court appointed special master to liquidate its assets without further excuses. In the interim, the CPBP should seize every asset it has and the Department of Justice should jail its board of directors and corporate officers. Their personal assets amassed on the backs of millions of abused consumers should also be stripped from them and go into a victims fund for all the people it has injured, wantonly, for decades. 

The CFPB should also immediately force Experian to mail me a copy of its file on me to the address on the form I used to obtain the XXXX report. I will be applying for a mortgage related to a small business in the next month or two, so all corrections need to be made immediately. 

Since XXXX rarely complies with the law, it should NOT be given weeks and months to correct the damage it is now reporting in my credit file.
Product: Debt collection

This debt was in the hands of XXXX, I disputed it with them and it was deleted from all XXXX credit bureaus. A few months later I am applying for a home loan and it shows up with a new lender ERC, I have never been shown proof that the account belongs to me. I have had XXXX for over XXXX yrs, no need for XXXX It 's inaccurate information.
Product: Debt collection

I was made aware of an alleged debt of {$77.00} when I saw it on my credit report XXXX XX/XX/2022 under Collections. I have never received written correspondence or phone calls from Express Recovery Services, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX. When I saw it, I immediately contacted my estranged wife and asked if she knew anything about it. I did not know if the collection was due to identity theft, her debt or mine and did not know what Express Recovery Services was until I googled it after seeing the collection on my credit report.

What I have learned since is that Express Recovery was contacted by my estranged wife on XXXX XX/XX/2022. She spoke with an individual named XXXX from Express Recovery Services , Inc. During this conversation, XXXX violated the Fair Debt Collection Practices Act ( FDCPA ) by discussing this debt her.My debt is none of my estranged wifes concern. Our credit is separate but regardless, I believe XXXX violated the FDCPAs policy. XXXX discussion of this debt with my wife was a gross violation of my privacy. 

Furthermore, XXXX discussed the original debtor as Utah XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, UT XXXX. For XXXX to report that I had a debt with this medical facility implies that I have used this medical facility and therefore she violated the Health Insurance Portability and Accountability Act ( HIPAA ), and my right to privacy. HIPAA violations 4 and 5 specifically. In my opinion, XXXX discussion with my estranged wife are criminal and should absolutely come with penalties. 

I phoned XXXX XXXX on XXXX XXXX and found that the debt was mine from nearly two years ago, but they were using an outdated address. Ive been in my current home for nearly 24 years and they were using an address prior to that. However, I did pay the debt directly to XXXX  XXXX over the phone. In a further conversation is the XXXX XXXX Office Manager, XXXX XXXX XXXX, he stated that he would inform Express Recovery to remove this collection by Thursday, XXXX XXXX. To date, the collection remains. While he made apologies for the error, the fact remains, my privacy was violated.
Product: Credit card

A Capital One credit card was opened without my knowledge on XX/XX/XXXX this year. They proceeded to spend {$9700.00} out of the {$10000.00} credit limit within the XXXX months before me noticing. I called Capital One and they started their investigation. I reported the fraud to the credit bureaus also.
Product: Credit reporting or other personal consumer reports

This morning, I saw unfamiliar inquiries on my credit report, and Im completely at a loss as to why. My routine check showed unexpected inconsistencies, and refreshing the browser didnt make them disappear. I am beyond frustrated and need these documents carefully examined to put an end to this issue once and for all.
Product: Mortgage

A letter was sent on XXXX XXXX, 2015 in response to a DEMAND LETTER from Franklin Credit Management Corporation. The letter was sent as a Respa Qualified Written Request and has not been responded to in the time required by law, validating the debt. Several documents were requested but none has been received as of XXXX XXXX, 2015, neither any acknowledgement of such letter.
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed that inaccurate information was reported on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and Capt 1/ Walmart XX/XX/XXXX. This information was showing inaccurate on my XXXX credit report.
Product: Credit card

This account was reported for fraud & identity theft ALLY BANK FORWARDED ME LETTERS STATING THE PROBLEM HAS BEEN RESOLVED THEY STATED THEY HAVE CLOSED THIS ACCOUNT FOR SECURITY REASONS & A NEW ACCOUNT HAS BEEN CREATED WITH NEW CARDS BEING SENT TO ME?? I have received the letters but no new card? I called ally bank & all I get is zero answers being transferred for over two hours ending the same no response!

IM TOLD THE ACCOUNT HAS BEEN CHARGED OFF? WHICH IT HAS NOT IT WAS CLEARED THRU FRUAD. NOTHING TO DO WITH ME ACTING IRRESPONSIBLY. I Want my cards sent to me replaced as promised immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX XXXX. i did n't make any payments on the loan for 6 years and due to the " statute to limitations '' the loan collector should not be contacting me any more, by they still are in both forms phone call 's and letters. I am also trying to buy a house for my family and found out that i can not get a USDA loan for the house because XXXX XXXX XXXX has filled the loan as a government delinquent loan. The problem with that is the loan is a private loan not a federal/Government loan. due to the way they filled the lion on my credit report i am not able to buy my first home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , I received an email stating my account was unpaid. I checked my banks website, which I had ebill setup on with   XXXX   for years and have always paid my bill, and they had not received a bill since  XXXX   XXXX . I logged into  XXXX  's website immediately and paid the bill in full, I proceeded to check my email for any indication my account was over due before I was notified on  XXXX   XXXX , but have no communication from  XXXX  saying as much. In addition, I have received no notification that they were going to stop the use of ebills from them via email, mail or telephone. Upon payment in full of the account, the website said it will not be reported to the credit agencies that my account was " overdue ''. I contacted a young lady in customer support shortly there after and she confirmed they are no longer accepting ebills, does not know specifically when they stopped accepting them, and that my credit report would not be affected by this because I was not communicated with about the change in service. She even removed the late payment fee 's due to this. Two days later I was notified by my credit monitoring my credit score dropped  XXXX  points, and upon review of my credit report even though it shows as everything paid as on time for the  XXXX  account, they are reporting it as 60 days late. This contradicts both what the online payment website said, and what the customer service representative had told me. I contacted them again and got a different person, who after almost a hour and a half told me yes as a consumer he would feel frustrated as well but there was nothing he could do and I would have to contact someone higher than him or mail in a letter, not providing any information on who was higher than him, only an address and fax to send a letter to.     I have been a customer for many years, I do not carry a large balance, maybe  XXXX   XXXX  which is paid monthly. While the first representative was willing to help and make promises that confirmed what their website said about the credit report, two days later was the first time anything appeared on my report regarding them and the next representative was unable to help at all.