23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am participating in the Veteran Affairs Education Debt Reduction program. This program reimburses for student loan payments made toward a qualifying degree pertaining to your current employment role. A loan verification form is required for each loan awarded toward your degree. I sent 9 loan verification forms to Mohela on XX/XX/year>. These forms were both mailed and faxed. I waited 3 weeks for a response or returned forms in the mail. Once I did not get my signed forms returned to me I made my first phone call to Mohela. The customer service representative did her best to help me. She stated the forms were indeed received my Mohela, completed, and sent back to me. However, they were uploaded to my previous account that has already been transitioned and she was unable to access them. She however, would put a request for them to be sent in the mail again for me and that was all she could do. She did, however, contact her supervisor that would work on giving me access to my previous account so I could gain access to the forms. I was given a new passcode by the supervisor. However, I was never able to gain access to the old portal, and I never once again received the signed forms in the mail. 

I waited one week and made my second phone call to Mohela. The customer representative again, confirmed Mohela had the forms signed and completed. And still the same problem persisted that they were trapped in the old portal with no access. She however, did speak to her supervisor and was getting permission to email me this forms as soon as possible because this is a program with a submission deadline. She confirmed twice with her supervisor that I would get the forms emailed. Again, I never received my signed forms. 

I waited one week again because I have been working this entire time, and do not have time to call everyday. I made my third phone call on XX/XX/year>. Again, the same thing, these forms were sent in the mail to me. I needed to wait 5-10 business days to receive them. But I wasn't satisfied because I had already heard this story. I was finally transferred to a supervisor who was able to actually directly inbox me the forms on my current portal. And to my surprise what I received were ALTERED loan verification forms. Mohela altered my forms to reflect the total balance of my loans owed and only reflected 3 payments made. I have multiple degrees so this will not work. I need to have the individual loans verified for my XXXX degree. My previous payments were made to a different servicer XXXX. I was only just recently transitioned to Mohela. 
But since I was told to send these forms to my servicer I sent them to Mohela. 

While I understand why they couldn't verify the loans, what I don't understand is why someone would not pick up the phone, send an email, or inbox me on the portal to say as such? Mohela wasted a month of my time on a program with a deadline. And had the disrespectful audacity to alter my forms. I would like a different servicer for sure. They are unorganized and don't care about their consumer. What a terrible disrespectable organization. Mohela should be embarrassed for their behavior.
Product: Credit card

On Tuesday, XXXX XXXX, I received a letter from Wells Fargo dated XXXX XXXX stating they had found unusual activity in my account and that my account would be closed if the activity continued beyond receipt of the letter. I immediately discontinued use of the account, but on XXXX XXXX, found my account was closed and pending credit card rewards confiscated anyway. I made several calls to Wells Fargo to try to reopen the account to no avail. 
On XXXX XXXX, I received a letter, dated XXXX XXXX, congratulating me for being a top tier customer and providing enhanced rewards. According to the letter, under this reward structure, " XXXX points has a {$520.00} value ''. Wells Fargo confiscated XXXX points. Based on Wells Fargo 's valuation, these points have a value of {$26000.00}.
Product: Credit reporting or other personal consumer reports

oncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I will start off by stating the facts and what happened, my son went to purchase a truck, the truck he already had was in my name since I had worked on my credit and gotten it up to a descent score. My son however and I thought he was listed on that truck because he was making all the payments so we thought he was building he credit to, but he was n't, anyway he went to XXXX of XXXX and they talked him into buying a truck and trading that one in, since it was in my name they needed me to sign off on it which I had no problem. Then I was told that I needed to be a Co-signer on the new truck and my credit was already ran and they had all the paperwork on hand they only used one bank which was XXXX and I said okay I have no problem, only to see my credit report after I sent a picture of my ID through my phone with over seventeen banks ran my credit in one day '' '' I was Floored '' I talked with the XXXX there and was told that it was a new salesperson that did n't know what he was doing and he was trying to get me the best rate, I told him I had already spoken to someone that told me that all that was already handled and all I needed to do was send my driver license and they could have my son bring the papers down everything was taken care of and my credit was only ran once through one bank XXXX. This was a bunch of XXXX  because I was notified that it was ran seventeen times in one XXXX day bringing my score down after I worked so hard paying my bills on time and to have all my hard work crunched in a matter of minutes I just do n't see how they can get away with this.
Product: Bank account or service

I opened a Citi checking account under a promotion code and after meeting the requirements I confirmed with a representative via email ( attached ) that I completed all stated requirements and I will receive the bonus points within 90 days. 
Citibank closed my checking account about a month ago without notice or cause and refuse to issue the promised points.
Product: Credit reporting or other personal consumer reports

I am writing to you to address a longstanding issue regarding my XXXX XXXX credit card account. To provide context, I have been a victim of identity theft, which has caused considerable distress and financial hardship. 

I discovered unauthorized activity on my XXXX XXXX credit card account. Upon further investigation, it became evident that I had fallen victim to identity theft, with the perpetrator racking up a substantial balance on the card. Unfortunately, by the time I became aware of the situation, the account had already been delinquent and eventually charged off.

In response to this egregious breach, I took immediate action to rectify the situation. I froze my credit reports with all major bureaus, filed a comprehensive identity theft report, and invested in credit monitoring services, among other precautionary measures. Despite my efforts, the delinquency status of the account continued to plague my credit report, causing significant distress and hindering my financial prospects. 

Recognizing the urgency of the matter, I endeavored to dispute the erroneous charges and clear my name of any wrongdoing. Regrettably, my attempts were met with frustration and roadblocks at every turn. Despite successfully having the account removed from my credit report initially, it was later reinserted without just cause.

In pursuit of a resolution, I engaged in extensive correspondence with both XXXX XXXX and the credit bureaus. XXXX XXXX conducted an investigation into the matter and ultimately ruled in my favor, issuing a reimbursement check and providing assurances that the erroneous entry would be expunged from my credit report. However, despite their acknowledgment of the error, the account remains stubbornly entrenched on my report.

Conversely, when I liaise with the credit bureaus, I am met with a similar impasse. They insist that the responsibility lies with XXXX XXXX for failing to report accurate information, absolving themselves of any culpability in the matter.

This cyclical exchange of blame has left me in a state of exasperation and financial uncertainty. I implore your intervention in resolving this protracted dispute, as it is adversely impacting my creditworthiness and overall financial well-being.

Enclosed, please find documentation detailing the timeline of events, including dates, amounts, and actions taken by both myself and XXXX XXXX. I trust that with your assistance, we can bring about a swift and equitable resolution to this matter.
Product: Debt collection

Debt collectors employed by Stenger & Stenger P.C. ( " Stenger '' ) by the name of XXXX XXXX ( " XXXX '' ) and XXXX XXXX ( " XXXX '' ) who falsely identify themselves as an Attorneys which violates 15 U.S.C. 1692e ( 3 ) took legal action against me twice for a consumer credit transaction that I initiated for a credit card on behalf of Absolute Resolutions who purchased the debt from XXXX  XXXX for a XXXX XXXX XXXX XXXX XXXX. I am the original creditor for the consumer credit transaction. XXXX XXXX furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them. I did not give XXXX XXXX my direct consent to initiate credit sales or share my private identifying information with anyone. XXXX XXXX and Stenger & Stenger P.C. also did not have the permission from a court of competent jurisdiction to communicate with me. This was all done for monetary gain and greed. XXXX and XXXX took legal action against me by filing a lawsuits against me. I was never properly served legal documents. They did not have authority to take any legal action against me pursuant to 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. A default judgment was ordered against me. They took legal action against me in a county I did not reside in. Now my private identifying information for my former name appears on a court docket which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit. Stenger is also invading my individual privacy by accessing my Employee Data report through XXXX  in order to locate an employer I do not have to resume garnishing wages I do not have.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my XXXX XXXX I noticed some things that don't seem quite right, and it appears my XXXX have been stolen XXXX. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX XXXX were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my XXXX contain a lot of my XXXX and XXXX information. I want to emphasize that I'm not the XXXX behind these inquiries. It would mean a lot to me if you could assist in removing the following from my XXXX XXXX these are the inquiry : XXXX XXXX - Date : XX/XX/year>
Product: Credit card or prepaid card

I opened a credit account with  XXXX   XXXX   XXXX  ( Comenity Capital Bank ) that required payment in full by   XXXX   XXXX    2017 to avoid pa ying accrued interest charges.  <P/> I mail ed (  USPS  1st class ) fu ll payment on   XXXX   XXXX  , 2 017   . This payment was not posted to my account until   XXXX   XXXX   , 20  17, thus incurring {$290.00} in interest & fees. I have subsequently   received a bill for an additional {$7.00} in interest. Bringing the total to {$290.00}.  <P/> On   XXXX   XXXX   , 2017  , I s ent a letter disputing these charges to Comenity Capital Bank and have not received any type of response.  <P/> I strongly believe that I have been treated unfairly, as my payment in full was surely received by the due date ( and the inexplicable lag  on 28-days be tween mailing and payment posting dates ).  <P/> In hind sight, I would have send this payment with some sort of tracking, but even at age  XXXX , I still hold the belief that people and the businesses that they operate do the right thing.  <P/> Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XXXX I was contacted by Hunter Warfield to request payment based on the move out calculation provided by XXXX XXXX XXXX XXXX XXXX. I advised Hunter Warfield that I was waiting on Goal Properties to provide me with the final amount that was due. I advised Hunter that I sent a response to their demand for payment. Hunter Warfield requested that I provide them with a duplicate of the demand via their website. On the same day of the call, I sent an email to Hunter Warfield to demand proof of the debt.

I advised Hunter Warfied in my letter of the followi
ng : On XX/XX/XXXX I was contacted by Hunter Warfield to request payment of {$3600.00}. The agent advised Hunter Warfield followed with the Property Manager in XXXX and the Property Manger confirmed the amount of {$3600.00} was the correct amount. 


Hunter Warfield is making demand for the initial move out calculation amount of XXXX on behalf of XXXX XXXX XX/XX/XXXX However, XXXX XXXX confirmed via email the amount of XXXX would be decreased based on information that I provided to them. The information that was provided provided support for why specific charges shold be removed or decreased. To date, XXXX XXXX has not provided confirmation of the final that would be due once the agreed charges were removed/decreased. As a result, Hunter Warfield is making a demand for the incorrect amount.
Product: Credit card or prepaid card

I am filing this complaint because USAA closed my credit card account, which I've had since 2012. We have been very loyal customers to USAA. We paid off nearly 8-10 credit cards and loans with them over the lifetime of our accounts. 

During the pandemic, we fell behind and reached out to USAA several times to inform them our account was past due, but we assured them we would get all payments handled, as we always did. We also informed them we were in the process of catching up due to myself being an essential worker and having to take many quarantine leaves from exposure to XXXX, which impacted my pay. After each quarantine period, when I would get back to working, I always made USAA aware of our status- and each time they assured us they would work with us ( and we thought they meant it ). 

To say the least, even during the pandemic, we still successfully paid off a credit card and THREE auto loans with USAA. 

As of this month, we finally made it to a good place financially post-pandemic lockdown and business picked back up for my company. So I immediately went online and paid my USAA account. Today, I learned they have discriminated against and punished people who fell on hard times during the pandemic by closing their credit lines without personally reaching out to them and getting to know their situation during this pandemic. I reached out to a representative after making a {$450.00} payment to my credit to find out my credit line was closed without ever being notified. USAA claimed they sent a letter out to us back in XXXX, but we never received it. We also NEVER received a phone call regarding this. If USAA had reached out to us and said we were at risk for our credit line being closed, we would have put all of our money towards it to keep it open ... instead they lied and said they would work with us during this pandemic. 

We have been very loyal USAA customers, but after this experience, this does not sit well with me, nor my wife. No one should be discriminated against during this pandemic in which they had no control over.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$11000.00} this company is reporting an account that was opened in XXXX XX/XX/XXXX and was opened fraudulently. This account has finally come off my report and this debt collection company is reporting inaccurate date of being opened XX/XX/XXXX which is incorrect! 

XXXX XXXX  XXXX XXXX {$2300.00} This company is reporting a debt from XXXX for cellular phones that weee fraudulently attained in my name. This is complete fraud. 

XXXX XXXX XXXX XXXX Amount Amount {$4900.00} this company is reporting a debt but would not allow me to continue to pay on my debt and they are reporting inaccurate amounts. I made several payment til they all of sudden closed my account and Ive paid down to about {$1900.00} on that account. 

I also have inquiries that I have never authorized nor applied for these things. Here are the inaccurate inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I have never applied for any of these things and they are NOT my inquiries at all.
Product: Mortgage

I am trying desperately to sell my home in a short sale. I am under water as a result of the XXXX crash and I have never been able to regain the value of my home. I have a buyer who is anxious to close. I have a letter from Specialized Loan Servicing stating my application was complete as of XX/XX/XXXX. XXXX XXXX ( the first mortgage ) has given their approval. Specialized Loan Servicing ( the second mortgage ) continues to drag their feet. Every time I call I get the runaround. I have provided them with every requested document in a timely manner. They are well beyond any reasonable period to provide a response. They " escalated '' my complaint on XX/XX/XXXX. I later learned they don't escalate anything. You just have to wait. I have a buyer with good funds who is ready willing and able to close. There is no reasonable excuse for this delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Fl XXXX Date XX/XX/year>XXXX  I am writing to file a formal complain against Equifax, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the insertion of material into my credit report. 
I sent a letter to Equifax notifying them of the insertion of : Account name XXXX  Account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ) Despite waiting for 35 days after sending the letter, Equifax has failed to remove the inserted account from my credit report, continuing to violate FCRA regulations. 
Equifax 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws. 

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer dispute. 

Account XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEVER HAD AN XXXX ILLINOIS ACCOUNT EVER. I HAVE XXXX   MO. THE ACCOUNT REPORTING DOES NOT BELONG TO ME AND I HAVE NEVER AUTHORIZED ANYONE TO OPEN AN ACCOUNT IN MY NAME. NOR HAVE I EVER LIVED AT THE ADDRESS ATTCHED TO THIS ACCOUNT. I FILED A COMPLAINT WITH ALL 3 CREDIT AGENCIES BACK IN XX/XX/2017. THIS IS THE ONLY CREDIT AGENCY THAT STILL HAS THIS INFORMATION ON MY CREDIT REPORT. THE ACCOUNT WAS REMOVED AT SOME POINT NOW ITS BACK AGAIN.THIS HAS A NEGATIVE INPACT ON MY SCORE AND BY LAW SHOULD BE REMOVED BECAUSE ITS NOT MINE. IVE HAD XXXX   MISSOURI FOR OVER 7 YEARS. PLEASE REMOVE THIS ACCOUNT AND THE ADDRESS FROM MY REPORT.