23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX  XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 


Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$1100.00} written off. 
Status Updated XX/XX/XXXX - Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$320.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$12000.00} Highest Balance XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$300.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$300.00} Minimum monthly payment {$0.00} OpenedXXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXXRemoval date : XX/XX/XXXXXXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit Card - Finance Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit card

I applied for the Nordstorm Visa credit card and when i called to check on the application # XXXX i was told it was turned down only because they could not verify my telephone number my telephone number is the same number that has been on my credit report for 5 years and this is the only company that i have had this problem with when it comes to verifying my telephone number. i tried 4 different telephone numbers and they still could not verify any of them. not one time did then ask for any other verification since that didn't not work. i felt like they just didn't want me as a card holder i have excellent credit with no lates. they could of called my telephone number or sent a email code or something but they didn't. they seriously made me feel like i wasn't good enough to have a credit card account with them.
Product: Credit card or prepaid card

I purchased two vanilla gift cards on XX/XX/2022 around XXXX XXXX. I went to check the balances of both cards and see that transactions for XXXX had been done on the cards. I have called XXXX and they arent willing to cancel the order. I also have reached out to vanilla who advised me that they arent able to cancel the transactions. Im being told that I have to wait for the transaction to clear and then dispute which can take 90 days. Im now out of XXXX for my gift card purchases. I would like assistance with retrieving my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've dispute with Experian consumer reporting agency multiple times about inaccurate and incomplete information contained in my consumer report. They haven't been conducting a reasonable investigation because the items keep coming back verified but when I check my consumer report to see if the incompleteness and inaccuracies are fixed but they are not. The following information is still incomplete and inaccurate. 

Account number XXXXthe account terms field is incomplete and can't be verified please delete the account. 

Account number XXXXthe account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

XXXX XXXX XXXX XXXX account- the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account terms field is incomplete and can't be verified please delete the account. 

Account number XXXX the account status field is reporting inaccurately and can't be verified please delete the account. 

Account number XXXX the account status field is reporting inaccurately and can't be verified please delete the account. 

Account number XXXX the account status field is reporting inaccurately and can't be verified please delete the account. 

Account number XXXX the account status field is reporting inaccurately and can't be verified please delete the account. 

Account number XXXX the monthly payment field is incomplete and can't be verified please delete the account. 

Account number XXXX balance field and monthly payment field is incomplete and can't be verified please delete the account.
Product: Student loan

On XXXX/XXXX/21, I submitted a complete application for the limited waiver Public Service Loan Forgiveness program. By my count, I have 120 qualifying payments under the limited waiver program. On XX/XX/21, I received a letter stating that my loans will be transferred to a different servicer on XX/XX/21. My employment has not been certified. The letter made no assurance that my application for PSLF would be unaffected by this transfer, or that the application would be communicated to the new servicer. 

Given that Fedloan servicing is the SOLE servicer of the PSLF program, this transfer is gravely concerning. It appears likely to either re-set the processing of my application with a servicer ill-prepared to certify my employment or process it, or to significantly delay the timely processing of my PSLF application. The letter made no assurance that the new servicer would even be capable of processing my PSLF application. 

Given that Fedloan servicing has extended its contract to XXXX XXXX, there is no longer a pressing need to transfer my loan and doing so would harm the forgiveness I am entitled to under the program. I have contacted the Department of Education with a complaint to this effect and will continue to follow up with them also. I have emailed Fedloan Services customer service, but am unlikely to get a timely response due to the Holiday. I had to retype the letter several times, as I was logged out of their system without notice, only to find my draft deleted when I logged back in. There were no service representatives available due to the Holiday, so email was the only option. It seems these notices were timed just as XXXX started, so that customers would not notice the transfer letter, and have only limited time to complain before the transfers.
Product: Mortgage

I contacted Rushmore Servicing and ask to speak with the refinance department. I was told they didnt have one but they would give me to someone that did refinancing for them. I called that company gave them all my information only to be told that they couldnt help me. XXXX XXXX  sold thus mortgage to Rushmore. I need to refinance this loan that XXXX XXXX  gave me because I am a Senior Citizen and the monthly payment us getting to high for me to handle. I had asked XXXX XXXX  to give me a forgiveness refinance loan because the house was inside down. But it isnt a fixed loan so the interest rate and the payment is too high. My loan number is # XXXX with Rushmore. I need help {$1800.00} interest rate is 4.71.  Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX
Product: Credit card or prepaid card

I have credit card from Wayfair-AlllModern ( " Wayfair '' ) who in association with Comenity Bank had provided 6 months, no interest promotional rates in XXXX 2020 on charges above certain threshold amount. I purchased items from Wayfair on XX/XX/ 2020 and clearly qualified for the promotional plan. The amount paid was {$400.00} and it was fully financed under the 0 % financing for 6 months. I started making payments ( {$70.00} per month ) as soon as I received the first statement. 
On checking my balance in detail, I realized recently that Comenity/Wayfair has been sneaking in finance fees on my account since the first day of purchase in clear violation of the purchase and financing terms provided by Wayfair/Comenity. I was never notified of the promotional plan cancellation or changes in terms. When I contested the charges with Comenity customer service team on XX/XX/2020 over phone call, I was told that Comenity would NOT remove the financing charges as I ( consumer ) had not notified them of billing issues well in time. On top of that, Comenity and Wayfair terminated their relationship with each other in XXXX 2020 and Comenity is now unwilling to adhere to Wayfair 's promotional terms that were provided to the customers. Additionally, Comenity charged me late fee for a payment that was missed on account of issues with auto pay and miscommunication. Comenity has flat out refused to remove the finance fees and waive late fee even after I requested to pay off the remaining balance in full right away. 
This is a clear case of " Consumer fraud '', " Misleading and deceptive business practices '', " False Advertising '' by the financial institution/bank Comenity and Wayfair, especially in dire times of raging pandemic ( Covid ). I earnestly request you to investigate the matter and I am willing to provide related further information in context of the matter. I look forward to hearing from you.
Product: Mortgage

I have recently been foreclosed on through Ocwen. This is adversely affecting my credit and I would like to have it removed from all my credit bureau reports. I have sold the home with a wrap around mortgage, I relocated and was paying rent at a new apartment. after some time the person I had that purchased my home then rented the home to another person without my knowledge. They both stopped paying the mortgage and this put me behind. I tried to contact my buyer and was unable to get in touch with him with no luck. after I was able to get in contact with my buyer he told me the tenant was not paying. I also found out that the buyer had not paid taxes as he was supposed to on the home and had taken out additional loans against the property to pay the taxes. I tried to work with the buyer and the new tenant to get them to purchase the home. after about 8 months and them not paying me any money I tried to have them removed from the home. the court would not allow this and I was stuck with a buyer that I could not remove and a tenant that would not leave the property. after some time Ocwen foreclosed on the property and it still took a couple of months for them to even remove the tenant who at this point was basically squatting in the home. I would like to request that the foreclosure be removed from my credit reports as this has caused a great deal of stress and issues for me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : 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  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Freedom Mortgage Taking advantage of XXXX 's during COVID. They are deceieivng their customers who have been accepted into the FHA Covid relief streamline program. They are not executing customer contracts in a formal and timely manner XXXX I was accepted in Freedom Mortgage Streamline program, FM  send out formal documents to be notarized however due to clerical errors needed to be re done. 
XXXX I am still waiting for formal documents to be done for my streamline loan.? 

FM has asked me to make mortgage payments for XXXX XXXX, in the amount that was agreed to on Docs from XX/XX/2021. ( i made those payments ) As they told me if I did not I would be kicked out of program?? However docs have never been notarized nor sigend, due to errors on Freedom Mortgage part. 

Fast foward to XXXX Still waiting for formal documents to be sent out. Nothing from FM. They keep telling me docs have been ordered and any day I should receive them? FM informs me that I now have to make an XXXX payment or I will be kicke out of loan program. 

All the while this has been going on my back end loan amount continues to acrue, so my overall loan becomes greater and greater evern though I am making monthly payments?? I have called, contacted, written this company numerous times since XX/XX/2021, and not one single person CEO included can inform me of when I am supposed to recieve my updated loan documents. 

How can I be waiting over 7-8 months for them to send me out docs. 
I am writing directly to this organization, in the hopes that they can help resolve this issue for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX 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: Checking or savings account

Hello I purchased an {$830.00} XXXX XXXX  on XXXX  on XX/XX/2020. After several days of waiting ( about 10 days ) and lack of shipping info from the seller, I sensed I probably never going to receive the monitor and the seller might be a scammer, I decided to open a case on Paypal. Paypal is the method I used to purchase this monitor. However, it takes me 2 weeks to receive a refund from Paypal, I couldn't wait for that long due to the need for school work, and I found out it only takes three days for me to receive the refund from XXXX, so I canceled the case on Paypal without knowing I couldn't reopen the case once it's closed and I couldn't open another case on XXXX even tho the case on Paypal is closed. At this point, the only way for me to get a refund is from my bank -- -XXXX  XXXX XXXX XXXX I contacted my bank and opened a claim, however they rejected me without doing a further investigation, the response they gave me is I used PayPal for the transaction and it's authorized so they can't get my money back, they don't care about if I was scammed or if I received the item. All of those rejections lead me tp here, I want to get my money back and scammer should not receive the money and keep scamming people.
Product: Debt collection

Credit Bureaus reported inaccurate information in violation of due process as outlined in the statute below. Credit Bureaus reported late payments and I have never been late on any payments. 
15 U.S.C. 1666 ( a ) ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Student loan

I began XXXX  school at XXXX XXXX  in XX/XX/XXXX and recieved my first student loan. I began repayment of those loans after XXXX  in XXXX. I acquired more student loans beginning in the fall of XXXX when I went back to XXXX school at the XXXX XXXX XXXX. I graduated from that program in XX/XX/XXXX. 

I was contacted by a servicer after graduation, I assume because I was working for a XXXX My XXXX  is XXXX in XXXX XXXX. The person who I talked with told me that my loans will be forgiven in 10 years because I was a XXXX. I have since found out that is only true if you work for a XXXX He also assured me that it would not effect the 25 year discharge of loans I have been paying since my XXXX  from XXXX in XXXX. 

I have reached the 25 year discharge from my student loans taken while at XXXX. However, MyFedloan reported that my loans did not begin until XXXX, which does not reflect all the years I have been paying on the student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

these are accounts are fraudulent and they there old thery just pooped up from someone else credit XXXX XXXX XXXX XXXX   Equifax Account # : XXXX Account Type : Installment Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 1 High Credit : {$2000.00} Credit Limit : {$2000.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
**CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 Equifax XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX Account Type : Revolving Account Type - Detail : Charge account Bureau Code :  Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$1700.00} No. of Months ( terms ) : 0 High Credit : {$0.00} Credit Limit : {$2000.00} Past Due : {$1700.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Unpaid balance reported as a loss by the credit grantor. 
**CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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: Debt collection

TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX DOB XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TEK COLLECT INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TEK COLLECT INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX DOB XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been harassed via phone calls by debt collectors  like XXXX XXXX saying i owe {$1400.00} & XXXX, a {$10000.00} credit card from U.S Bank, {$680.00} from portfolio recovery and an auto loan from XXXX  that i'm not aware of. I have asked these companies to stop calling me and to remove these items off my report after disputing them in 2022. I have been denied credit and can't move on in my career with these items being reported on my name