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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an account opened XX/XX/XXXX with XXXX XXXX XXXX and the account was paid off XXXX of XXXX. I asked them numerous times since this account is PAID IN FULL to please remove from my account. I have had no luck getting this removed from my credit reports. This is why I am making this complaint.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 

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
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to these measures to protect my credit.

The accounts in question are as follows : XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$830.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$2600.00} XXXX. XXXX  XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$4600.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$3300.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$9200.00} XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$180.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$22000.00} XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$24000.00} Additionally, I would like to address the following inquiries associated with my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX I reviewed my credit reports and saw a collection for {$6200.00} with Midland Funding. I sent a debt validation letter to learn more about the account. 

I submitted my debt validation letter in XXXX, but Midland Funding responded to my request in XXXX. 

I worked with someone to help me translate the letter, but was frustrated that they did not contact me in my preferred language. 

Furthermore, Midland Funding did not provide a final account statement from the original creditor. The debt validation letter shows that the original account is from XXXX but does not provide a final account date, which leaves me without the information I need. 

The account is past the statute of limitations to collect and the account should also be past the seven-year window to report such debt. This account should be removed from my credit reports.
Product: Student loan

My student loans are serviced by Mohela and I am enrolled in Public Student Loan Forgiveness ( PSLF ). When signing up for and XXXX plan prior to student loan repayment in XX/XX/2023, I was confused on Adjusted Gross Income ( XXXX ) and submitted Gross Income. Because of this my payments since XXXX of 2023 were {$430.00} per month. When I became aware of my mistake through conversations with friends also enrolled in XXXX and the XXXX plan, I submitted my application for the XXXX plan. My new amount due is {$210.00}. After submitting this in the early half of XXXX, Mohela put my account in forbearance and still withdrew the {$430.00} from my account. I was then informed that payment does not count toward PSLF since I was in forbearance. Similarly, Mohela put many loan holders in forbearance in XXXX, among which I was one. They then informed me those payments, auto-withdrawn from my account, even though my account was in forbearance, would not be eligible for XXXX due to the forbearance period. If those payments are not eligible, then I would like to be refunded. Similarly, if there is anyway to recoup the nearly double payments from XXXX through XXXX, that would be beneficial Also, I submitted a PSLF form on XX/XX/2023. It was not reviewed until XX/XX/XXXX, which is included. While it was taken care of with Mohela, all communications via their support option were sent after the form was processed. Overall, Mohela 's communication has been weak and inconsistent. I doubt I am the only one having this issue, which is why I submitted the complaint. I have overspent nearly {$1000.00} since repayments began and don't want others to run into this same problem.
Product: Student loan

We have a spousal consolidation FFEL loan given to us through the financial advisors at the college. We were told that it was an ed loan just consolidated incase one of us died. We were never told that it would not qualify for PSLF. I have 14 years working for the USDA and my wife has years in early childhood education. After years of IBR, we were denied for forgiveness. No one would tell us why. When XXXX  made FFEL part of forgiveness, we applied again. After multiple calls we were informed that we would never get it because of the spousal consolidation. We called AES and they told us they wouldnt work with us and there was nothing we could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had a breach in there system exposing over 147 Million consumer 's personal information. My information was also taken and i have had multiple fraudulent inquiries. I have wrote multiple letters and made multiple calls asking them to remove all inquiries that are not attached to an open and active account. Also per 15 USC 1681, credit transactions, arising from credit cards should not be included on a credit report. I did not give any party written consent to report any information. My credit is in the 300s they are defaming my character with these inaccuracies on my consumer report which is making it almost impossible for me to be able to feed and provide for my family.
Product: Mortgage

I applied for a mortgage refinance in XX/XX/2020 with a company called Better.com. At the time, Better.com partnered with XXXX XXXX to offer a {$2500.00} statement credit to anyone who applied through their special link and closed on a home loan or refinance. The terms of the offer stated that the statement credit would show up in the customer 's XXXX XXXX account 8-12 weeks after the loan closed. 

My home mortgage refinance closed on Saturday XX/XX/2020. I patiently waited for my the {$2500.00} statement credit that both companies promised to me but I did inquire several times as to the status of the credit, just to make sure things were on track. At each point in time I was assured I would receive my credit and that it was attached to my account. 

Almost 11 weeks after my refinance closed, I sent an email to Better.com ( on Friday XX/XX/2020 ). I received a response 3 days later, on Monday XX/XX/2020 stating that statement credit that was originally supposed to take 8-12 weeks to post would take another 1-2 weeks ( total of 12-13 weeks, which is after the promised timeframe of the offer  ). 

After waiting almost another 2 weeks, I again inquired by email with Better.com on Saturday XX/XX/2020 since it had now been 13 weeks since my refinance closed. I once again had to wait, this time for 2 days, for a response. The response I received today ( Monday  XX/XX/2020 ) from Better.com was that the credit would take an ADDITIONAL 1-2 weeks, therefore putting the timeframe in which I receive my credit at 14-15 weeks after my loan closed. I had also called XXXX XXXX and was told the same timeframe ( i.e. each company would not abide by the terms of their joint offer to consumers ). The original terms of the offer were 8-12 weeks. That means IF  everything is on time this time ( which hasn't been the case so far with these companies ) I will have ended up having to wait 3-7 weeks longer than the offer timeframe that I agreed to.
Product: Money transfer, virtual currency, or money service

hello, Coinbase company locked my account with XXXX $ value money ( not cryptocurrency ) a week ago and I cant acces that money. However, I van log in into account but cant do anything.

I want to transfer the money to my bank account.

I tried all steps to recover account but didnt work.

I know about similar cases and people stayed without money.

I would need you help since I read about you helped someone before.. 
Thank you sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem is with my Equifax report hand the way the agency has handled my dispute, I noticed two fraudulent account on my report back in XX/XX/XXXX of XX/XX/XXXX, After inquiring around I was told how to tackle this issue I reached out to Equifax and ask them to provide me facts that this account is accurate and to provide me proof and method of verification, however all they did was send me back a report saying that it was verified no insight, Ive contacted the two creditors who have failed to corporate because they have sold the account so they are not investigating and Equifax is not demanding that these two creditors supply detailed information to me, I them reached out to FTC and they told me that I need to fill out the IDENTITY THEFT REPORT which is the same as a police report and send it to Equifax and they must delete the fraudulent accounts in 5 buisness days, Equifax have ignored this order and continue to report these unauthorized accounts, they have never done any true investigation, Im asking that the CFPB look more into Equifax and see to it that they are following the fair credit reporting act, which clearly state that they must go beyond the original source of the information to prove accuracy, its also the reporting agency job to make sure the account is correct and they also have the authority to remove the files if they are not accurate in findings and if you find its accurate supply the information to the consumer ... Equifax have done none of the following, the accounts are listed below ... also Equifax continues to make updates every time i dispute like removing a late payment or two then next dispute adding a late payment and they are doing this and then sending me a verified and say they updated the account, but why u keep making changes? And then reversing changes no investigation is being done and the account is to be delete as they are not mines ACCOUNT : XXXX ACCOUNT : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several deregatory accounts that are reporting to my credit report inaccurately. I have sent XXXX, XXXX, and Transunion several dispute letters in an attempt to make them either update the account to reflect correctly or remove the account completely. They have failed to update the accounts after several investigations. I have closed accounts that still show a balance, I have accounts that are reporting different account numbers across all 3 credit bureaus. These are all in violation of the FCRA. The listed accounts below need to be updated promptly or removed from my credit file immediately. 

I HAVE ATTACHED SCREEN SHOTS OF THE BELOW LISTED ACCOUNTS REPORTING INACCURATE AND INCOMPLETE INFORMATION WHICH ARE UNDERLINED. THESE ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT FILE.
Product: Checking or savings account

I opened an online XXXX Savings Account due to an email I received directly from Citibank offering me {$100.00} to open the account, subject to the condition that I invest a certain amount of money into the account. I did so and Citi is now saying I am ineligible for the {$100.00} bonus as I didn't open another checking/savings account, too. This was nowhere in the offer, including the fine print ( full email attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting fact XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card as later for purpose
Product: Credit card

I do bornwant a call on this. Every person except management does not speak clear XXXX. I have to file a complaint to get an XXXX speaking person. Management seems to know the rules but not reps. Its very difficult to know where your funds are going have issues with only this account Payments are applied never like I was told. Representatives and mangers ( non XXXX speaking ) avail when texting or calling need training on the correct information XXXX shouldnt have to file a complaint to speak to a manager. I am done.
Product: Debt collection

I have disputed this account with Source Receivables, XXXX, XXXX, and XXXX 3 times. This account is not mine and I requested debt validation. The credit bureaus keep saying " verified '' while the company never responded to me or sent proof of the debt. This is still reporting on my credit illegally and should be removed.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous disputes regarding the removal of several inaccurate and invalid negative accounts from my credit report. Despite XXXX promptly resolving the matter by removing all the disputed items, TransUnion and XXXX have yet to take the necessary action. Your continued failure to comply with my rights under the Fair Credit Reporting Act ( FCRA ) is highly concerning and disturbing.
Product: Credit reporting or other personal consumer reports

I opened a credit card with Lows in XXXX. I tried to use the card in XXXX and was told someone in Texas changed my address to Texas and was using a Texas Lows to pick up merchandise. I called and let them know that wasn't me. The person how stole my identity called them and asked for a new account to be open and they did. I have my identity stolen XXXX XXXX years ago. I have cleaned up all my credit except this one card. Lows through Synchrony Bank. I called and fixed XXXX years ago then again in XX/XX/XXXX. They said they had it listed as fraud and would close accounts and It would be removed on my credit report. I received a bill for a {$360.00} due. I called again today XX/XX/XXXX and was told the bank researched my claim and it was denied, and they want the {$5500.00} fraud charges to be paid by me. 
Account number XXXX there is another account # ending in XXXX on a letter dated XX/XX/XXXX. I have another account number on a letter ending in XXXX. When I called today XX/XX/XXXX soke with XXXX at XXXX to XXXX I was told I had 4 accounts. I should have no accounts. I have my credit and social security number locked, so this doesn't happen. I have never been to Texas and I live in Maine. I have asked them not to very give me an account again, most likely it is not me. Thank you. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau shows account opened with XXXX XXXX XXXX on XX/XX/23 which is incorrect and I have no knowledge of this. Ive disputed with Experian and their final results show as accurate. Ive contacted XXXX XXXX directly and provided my personal information to them but they have no record of me.
Product: Mortgage

Over the past couple of years I 've been contacting Champion Mortgage to apply for a repayment plan in order to catch up on my back taxes. I sent hardship applications on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and never received a response from Champion. I also sent letters to Champion in XXXX and XXXX XXXX, and more recently on XXXX XXXX, XXXX to try to arrive at an arrangement. Champion never replied to the letters.
Product: Credit card

Approximately six months ago, citi requested that I change the email on my credit card accounts. I asked them to make sure that the email got changed correctly on all of my citi accounts and they assured me it would be. This was important because I only receive email statements and not mailed statements. However, citi failed to change the email on one of my accounts. After that, I no longer received email statements for that account and the account no longer showed up on my online account. Because I was not receiving statements and it did n't appear on my online account, I was unaware that an annual fee had hit and I owed money. After I missed a payment, citi began calling me. I returned their call and asked them to go through each of my accounts with me and ensure they were all fully paid and in good standing. We spent approximately fourty-five minutes on the phone and went through each of the accounts they had on record for me. They assured me all of my accounts were in good standing. However, I continued to receive calls from Citi. When I picked up the phone, they said I had an account past due. This was despite the fact that I had just called citi and they had assured me all my accounts were in good standing. Apparently, even Citi had failed to locate this account. Because this account was over thirty days past due, Citi reported the late payment to the credit bureaus. However, the late payment was due solely to Citi 's forcing me to change my email address ( thereby making me reset my online account ), Citi 's failure to change the email on this account despite assuring me they had, and their failure to locate my account when I called specifically to ask about it. Months ago, we spent hours on the phone witht them trying to get online account access straightened out, and Citi was unable to get this straightened out, resulting in this late payment that due to their poor systems, even they did n't know was owed.
Product: Debt collection

Previously, I filed a CFPB complaint XXXX against JP Morgan Chase for their illegal theft to my personal checking account. In response, JP Morgan Chase filed a letter of complete and blatant lies claiming that I had NSF 's due to my own fault. This filing by JP Morgan Chase provided to the CFPB was also sent to The XXXX XXXX XXXX. The XXXX XXXX XXXX doesn't represent me in my filed CFPB complaint ( see above ). The XXXX XXXX XXXX, was NEVER mentioned in my filed complaint with the CFPB as my legal representatives. Nor was JP Morgan NOTIFIED by me in any way that I was being represented by the XXXX XXXX XXXX in my filed CFPB complaint. Therefore, JP Morgan continues to violate my Civil Rights by releasing my private information to the XXXXXXXX XXXX XXXX. I can " only '' assume that it was JP Morgan Chase 's way of notifying me that they were aware of the XXXX XXXX XXXX  representing me in a separate matter that doesn't include my filed CFPB complaint. JP Morgan Chase continues to illegally practice DISCRIMINATION/HARASSMENT/RETALIATION against me and my personal Chase account ( which isn't a joint account ) by illegally changing my personal PIN number ( that was recently changed in XX/XX/2018 ) and by accumulating and holding my deposited funds. I totally disagree with the previous responses provided by JP Morgan Chase concerning my filed complaint ( listed above ) and their intentional violation of my privacy to the XXXX XXXX Firm. It is a fact, that JP Morgan Chase was intentionally causing NSF 's to my personal account by stealing monies from my account to pay a debt that belong to another person. That persons debt, doesn't and didn't involve me. Any and All supportive documentation will be FAXED to the CFPB for the specific use of the CFPB ( NOT, JP MORGAN CHASE ) OR  THE XXXX XXXX XXXX.THE END!
Product: Payday loan, title loan, or personal loan

In XX/XX/2018, I took out a payday loan at Easy Money in the amount of {$500.00}. As soon as I received my paycheck, I repaid the loan in full with interest for the amount of {$580.00}. My bank account was debited twice for the amount of {$1100.00}. I tried to contact the corporate office for Easy Money with no success. I tried contacting the manager at the store, still no help. I also reached out to the XXXX XXXX XXXX. Nothing I did worked. I still have this negative mark on my credit report.
Product: Credit card

I had a regular payment due on XX/XX/year> on my Apple Card, issued from Goldman Sachs. The amount of the payment was pre-set at XXXX, 'to minimize interest charges. ' Before the payment was processed, I went into the Wallet app and adjusted the payment amount to be {$200.00}, because I have a tuition payment coming up. I agreed to the interest charges, and authorized the charge through the app with my bank. On the XXXX, the Apple Wallet app processed my {$200.00} payment, and then a few minutes later processed a completely unauthorized second charge for {$340.00}! 

I immediately contacted Apple Support and texted with an agent who assured me the charge would be cancelled and to give it time to reflect in my transactions list. I agreed to that. Then, on Monday ( XX/XX/year> ) I noticed that the charge not only hadn't been cancelled but was now pending payment with my bank. I started another support ticket and was told that they have submitted an 'inquiry ' and have to 'investigate ' this claim and that they will email me with a 'communication about their findings. ' We went around a bit and they were still unable to just cancel this ( again, unauthorized ) payment. I then said I would need to stop payment through my bank and they 'recommended " that I contact my bank to cancel the payment. 

Ultimately, I had to pay my bank {$35.00} to stop payment on this entirely unauthorized charge that Apple/Goldman Sachs was unable and unwilling to reverse, despite me immediately acting on it, trying to resolve and reverse, and being as proactive as possible. I am very frustrated with this whole situation. I would like Apple/Goldman Sachs to refund my stop payment fee charged by my bank, and fix whatever led to this mess in the first place.