23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On Thursday XX/XX/XXXX, I contacted Ed Financial immediately after receiving the news of Biden 's loan forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made after XX/XX/XXXX. I requested a refund of payments that I made from XX/XX/XXXX, to XX/XX/XXXX, totaling to {$20000.00}. I was taken back when they notified me that the processing times would be a minimum of 150 days. I was a Pell Grant recipient. and am therefore eligible for {$20000.00} in forgiveness once the student loan application becomes live. I paid over {$25000.00} during the COVID-19 Pandemic. It seems as through Ed Financial is the only student loan provider who is quoting these ridiculous lead times for refunds. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks lead time for refunding their loan members. Also, the loan providers are already reporting their loans reflected on loan member accounts. Whats troubling is the application for forgiveness starts in XXXX and Ed Financial will not be processing any of these in time for us to receive forgiveness. Ed Financial stated my loan balance will not be reinstated for 150 business days at the time I requested the refund, but the interest rates and payments will resume on XX/XX/XXXX. Furthermore, Ed Financial told me over the phone they can not send out confirmation emails to confirm with me they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while, but it is very concerning to me that Ed Financial is stating the lead time will take up to half a calendar year when most student loan service companies are having faster lead times. despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. For me, I am a first-generation high school and college graduate in my immediate family. I made the necessary sacrifices to ensure that I never live a life like so many others with student loan debt. Seeing other loan members with other loan services reinstated their balance after requesting it just 36-72 hours later makes me very concerned and discouraged that I will ever see this money returned to me, due to the long lead time and no confirmation that a refund was every processed. I am concerned that this company does not have the best interests at heart.
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get my free annual credit report from TransUnion and always have issue and the system says is no possible. For now it will be the second year in a row that I can get my credit report from them and they can explain why so I lost the chance of having it because the system says there is a problem but doesn't explain what problem and marks the report with a green mark as if I have received the report already which is not right.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. 
Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX 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 XXXXXXXX
Product: Mortgage

Mr. Cooper has tried to foreclose my co-op unit behind my back and I don't have a loan with them. They claim they are the mortgage company for the loan. They claim they have been sending me letters for years. I have not received the letters they have claimed they have sent me. They have been illegally taking money from the current board of my co-op without my permission, or knowledge. They claim they have documents that confirms my identity, but none of their documents match up. They have different names on different documents. They have collected money from the property manager " XXXX XXXX XXXX '', which I don't approve of either. None of the letters sent that they are showing me the envelopes of these mailings. When I reached out to them about it they refuse to give me consolidated evidence of their records. I have denied the whole loan. They will not give me a clear history of payments, or records they have on file since loan inception. This is predatory behavior, property theft, identity theft, and defamation.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX & XXXX Balance : {$95.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$2100.00}
Product: Debt collection

On XX/XX/XXXX I sent, via certified mail, a debt validation letter to First Federal Credit Control requesting to validate the alleged debt of {$800.00}. The collection agency received the debt validation letter on XX/XX/XXXX and responded with a bill/statement/ invoice which I received on XX/XX/XXXX. I filed a compliant through the CFPB on XX/XX/XXXX stating that providing a bill and/ or statement is not sufficient documentation of the alleged debt and that it was only a form verification and not validation as requested. In return, the collection stated that " The verification of the debt was done correctly as provided under the FDCPA. '' The bill that was provided by the collection agency on XX/XX/XXXX is inaccurate. The bill provided has my mothers name listed under the patient information section of the bill which is a violation of HIPAA. Also in the insurance information section on the bill my mother is also listed as the primary insured person which is incorrect. My mother has not had medical insurance for almost 2 years and I have not been under my mothers insurance for over 4 years. The collection agency DID NOT verify  or validate the alleged debt correctly or accurately. All documentation provided is inaccurate data and violates HIPAA.
Product: Debt collection

XXXX XXXX refused to reply to several letters mailed and hand delivered to them by me. By their own records the amount is incorrect and they refuse to correct. They ( XXXX XXXX ) Confirmed to Receivable Management Systems incorrect amount and that I will at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have never lived in PA. Receivable Management Systems refuse to comply with the Fair Debt Collections Act after providing them with a cease and desist letter with 30 of letter denying the claim.
Product: Credit card

Can not get XXXX Citibank to deny false credit application. Can not get them to remove inquiry on XXXX. Can not get them to confirm with a letter. It almost appears that they benefit from identity theft. 


Thank You XXXX
Product: Credit card

on XXXX XX/XX/year> I noticed a payment on my credit card of {$130.00}, I tried to make dispute with citi bank but their system won't allow me to do that till the payment become posted and that took several days!!!! after the payment posted I called and make the dispute and they send me another card and closed the old one the citi bank should have acted faster than than and refund my money instead of buying more time and refuse my dispute without explaining why they didn't refund my money or what should I do? 
I don't know what to do with them it's not fair to loss money over banks negligence and low performance when it comes to customer card, my card number was XXXX XXXX XXXX XXXX please help me and thank you
Product: Credit reporting or other personal consumer reports

I received alert from a credit bureau on a new report submitted to them. It stated that there is late payment and/or no payment for certain amount of money to the company. I do have no idea about what that loan was because it is not mine at all. I am not at liberty to explain the security and/or exchange issue for fear of regulators checking my credit report and take more points off my credit score. But to be a little frank., some other similar activities destructed my credit score by XXXX [ fifty-six ] points in XXXX [ XXXX ] days with no justification and/or any default or unpaid credit or anything to mention at all. FICO score is going down at unusual speed which is strange.
Product: Money transfer, virtual currency, or money service

Im finally a complaint against Cash App ( Block Inc. ) Due to inadequate Customer service An unfair practices Which violate the Consumer Financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, they dispute process was unfair and deceptive, As they did not comply with error, resolution parameters under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss. And I seek appropriate and adequate redress or these violations.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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
Product: Credit reporting or other personal consumer reports

Subject : Formal Notice of FCRA Violation and Request for Corrective Action Dear Sir/Madam, I am writing to formally notify Fifth Third Bank of a serious issue regarding my credit report that appears to be a violation of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I discovered inaccurate and falsified information regarding my payment history with XXXX XXXXXXXX XXXX 

Specifically, the payment history on my credit report reflects discrepancies that do not align with my actual payment records. This erroneous reporting has significantly impacted my credit profile and has caused undue harm to my financial standing. 

These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 1. **Accuracy of Information ( 15 U.S.C . 1681e ) ** : Creditors and furnishers of information to credit bureaus are required to provide accurate and complete information. Intentionally reporting false information or inaccuracies is a violation of this section.

2. **Duty to Correct and Update Information ( 15 U.S.C . 1681i ) ** : Upon discovering inaccuracies, the furnisher of the information ( creditor ) must investigate and correct any inaccuracies within a reasonable timeframe.

3. **Prohibition of Reporting Information Known to Be Inaccurate ( 15 U.S.C. 1681s-2 ) ** : Creditors have a duty to provide accurate information to credit reporting agencies. Knowingly reporting false information or failing to correct inaccurate information is a violation of this section.

4. **Willful Noncompliance ( 15 U.S.C. 1681n ) ** : If a creditor willfully fails to comply with any requirement imposed under the FCRA, they can be liable to the consumer for actual damages, punitive damages, and attorneys fees. 


I kindly request that XXXXXXXX XXXX XXXX  takes the following corrective actions promptly : 1. Conduct a thorough investigation into the inaccuracies in my payment history that have been reported to credit bureaus.

2. Rectify and update the inaccurate information to reflect the correct payment history. 
XXXX. Provide me with a written confirmation once the corrections have been made and ensure that the updated information is reported to all major credit reporting agencies. 

Additionally, I request that XXXX XXXXXXXX XXXX provide me with any and all records related to the reporting of my payment history to credit bureaus, as allowed by law. 

Please be advised that failure to address this matter promptly and appropriately may result in further legal action to remedy the damages caused by the inaccurate reporting.

I expect a response within 30 days of receipt of this letter. Your immediate attention to this matter is greatly appreciated. If you require any further information or documentation from my end, please do not hesitate to contact me at the provided contact information. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue.
Product: Mortgage

Mortgage Originator Never Transferred LOAN SERVICE RIGHTS AGREEMENT, MORTGAGE AGREEMENT, BENEFICIAL RIGHTS TO HOME AND PROPERTY, TITLE, DEED OF TRUST OR PROOF OF OWNERSHIP TO XXXX! On XXXX XXXX CALIBER HOME LOANS PURCHASED THE DEFECTIVE LOAN AND MORTGAGE FROM XXXX! CALIBER HOME LOANS HAS SET UP SEVERAL XXXX XXXX XXXX XXXXXXXX ON THE HOME AND PROPERTY XXXX TRUST IN MY NAME : WITHOUT MY EXPLICIT WRITTEN PERMISSION, MY EXPLICIT WRITTEN CONSENT ANT COMPLETELY AGAINST MY WILL! CALIBER JUDICIALLY FORECLOSED ON ME. IDAHO IS A NON JUDICIAL FORECLOSURE STATE! THIS HIGHLY IRREGULAR SINCE THE HOME AND PROPERTY DOES NOT FIT ANY CRITERIA FOR ANY JUDICIAL FORECLOSURE ACTIONS IN IDAHO! ALSO CALIBER HOME LOANS HAS RESOLD THE DEFECTIVE LOAN AT LEAST 2 MORE TIMES after the eviction in XXXX! CALIBER HOME LOANS LOAN NUMBER XXXX
Product: Debt collection

I sent this company a dispute with valid proof to verify this amount alleged is entirely incorrect. They completely ignored my dispute of the amount and reported this to the credit bureaus. This is a medical debt due to an accident in which I had auto insurance and medical insurance as a federal employee. I explained to this terrible company that my insurance reduced this bill from {$970.00} to {$450.00} which would mean my auto insurance is only responsible to pay 80 % of that amount. However this physician never corrected the billing and took a check of {$750.00} from my auto insurance which is entirely fraudulent. The provider agreed to accept my federal insurance thus accepting the provided discount for being federally insured. On XX/XX/2020 I requested for the collection agency to provide me Details about XXXX XXXX in/out of network status as it pertains to XXXX XXXX. XXXX XXXX classified themselves as an IN-NETWORK provider as such by contract they agreed to a discounted rate for members of the XXXX XXXX federal plan. I need proof that on the date of service XXXX XXXX was considered out of network thus never agreed to any discounted rate. I have attached proof from my insurance provider showing XXXX XXXX in network status AND the agreed upon discount of the bill. If XXXX XXXX classified themselves as in network they are only entitled to the amount agreed upon with my medical insurance.
Product: Student loan

I have been a XXXXe XXXX for the past 12 years. I recently contacted my student loan provider, Navient, regarding the XXXX XXXX XXXX XXXX and informed them that I have fulfilled my XXXX qualifying payment necessary to have the remaining balance forgiven. Upon doing so, I was informed that while my loans are consolidated, they are not the correct type of " consolidation '' that qualifies. I was informed that I could, however, " re-consolidate '' my loans and start the process all over. And, in 10 years have my loans forgiven. I feel I was given bad information and I have never heard nor been informed of any " special '' kind of consolidation process to qualify for the XXXX XXXX XXXX XXXX. Furthermore, ALL of my loans are federal loans which were consolidated upon graduation from XXXX University during the winter of 2004. Even more troubling is the idea that if such a requirement exists, it was not relayed during my eixt interview or when I began making my initial payment 11 plus years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This is an unsubstantiated debt and should not be showing on my credit report. This account was removed from my credit report in XX/XX/XXXX and is now re-appearing with a reporting date of XX/XX/XXXX with a different account number. This is an absolute violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report immediately. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Product: Mortgage

I am trying to save my home by getting a loan modification so I can have payments that I can afford. Rushmore refuses to review my loan for a modification. I have sent in an appeal, and have still been denied. I have an appropriate amount of guaranteed income and I am just trying to save my home for me and my grandkids. Rushmore has told me that my income doesn't qualify but they are refusing to review my accurate information. I have yet to be able to speak with the person in charge of my file as they are always busy and will not call me back. Here is a detailed account of my interactions with Rushmore : XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore to f/u on Mod, rep said that the appeal was denied as of XXXX. Said the reason for denial was that the DTI was too high. Said account DTI was 38 % and the maximum is 38 %. Requested copy of denial via fax. 

XX/XX/XXXX, XXXX PM NOTE [ n ] - Called Rushmore to f/u on Mod, rep said that it is still in review, and there is no update. Will f/u next week. 

XX/XX/XXXX, XXXX PM NOTE [ n ] - Called Rushmore to f/u on appeal, rep said that it is still in review. Will f/u at the end of the week. 

XX/XX/XXXX, XXXX AM NOTE [ n ] - Called Rushmore to confirm appeal was received, rep said that it was received the appeal on XX/XX/XXXX and is in review. 

XX/XX/XXXX, XXXX PM NOTE [ XXXX ] - Called Rushmore to request a copy of the denial letter since we still haven't received it. Rep said she's not sure what happened since she can see my request from XXXX. She put in a new request for it to be faxed to us. Rep stated we can email XXXX with the appeal. 

XX/XX/XXXX, XXXX PM NOTE [ n ] - Called Rushmore, mod is still pending review. Rep said there may have been a denial letter sent out since there is no new terms. Denial letter sen out XX/XX/XXXX. Income was insufficient, monthly is not enough to sustain a new payment. We can appeal the income within 14 days. 

XX/XX/XXXX, XXXX PM NOTE [ XXXX ] - Called Rushmore to f/u on mod terms. Rep advised to call back tomorrow and hopefully they should be generated. 

XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore to f/u on modification, rep said that it is still in review. Said it is close to wrapping up and advised to call back on Monday. 

XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore to f/u on review, rep said that the file is in underwriting and should wrap up at the beginning of next month. 

XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore to f/u on modification, rep said it is officially in review as of XXXX and we should have decision by the first week of XXXX. 

XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore, The account is in review and will take up to 30 days. 

XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore to f/u on RMA, rep said that the full packet has been received and has been pushed to underwriting. Will f/u in a few weeks.
Product: Credit card or prepaid card

When I opened this account around XXXX of XXXX, I was given a credit limit of {$7300.00}. I have never missed nor have I ever been late with a monthly payment. Yet in spite of that, my credit limit has been decreased to, ( {$5700.00} in XXXX, {$5300.00} in XXXX, and {$1700.00} on XXXX XXXX ). The latter is after Ive made payments of {$180.00} on XX/XX/XXXX, and {$3300.00} on XX/XX/XXXX, towards a balance of {$5000.00}. Which took my balance down to {$1600.00}. I received a letter via email the very next day stating my limit had been dropped once again, making my available credit {$130.00}. Every time they have decreased my limit, my credit score has dropped. Then they state that my score in part is the reason for the decrease.