23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I decided to switch income-based repayment plans after consolidating my loans, as the new REPAYE plan would mean a lower payment. My student loans are from XXXX - XXXX University - and XXXX - University XXXX XXXX XXXX. The application asks if the borrower 's loans are in forbearance, and I answered " no. '' This is because, when I applied, my loans were not in forbearance. 
As part of the application to switch income-based repayment plans, however, borrowers may request a one-month forbearance. The reason is that borrowers in an income-based repayment plan must be in standard repayment for at least one month before switching plans, and they may not be able to afford a standard repayment plan payment for that one month. 
I requested the one-month special forbearance. 
FedLoan Servicing, my loan servicer, denied my request for a new repayment plan because I answered " no. '' They approved my special forbearance first, and then because my loans were in forbearance when they processed the new income-based repayment application, they denied the request for answering wrong on that question. 
When I called, the customer service specialist said this was a common issue, and I had to submit a new application answering " yes '' on that question. 
I think this is misleading and unfair to borrowers. When they answer the question, they are answering correctly when they say " no, '' as the loans are not in forbearance at that time. To deny for that reason alone, automatically, and to force reapplication is unduly burdensome.
Product: Credit reporting or other personal consumer reports

15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute as I was never late on my XXXX XXXX XXXX XXXX XXXXXXXX credit card in XXXX, as they reported. They responded by incorrectly changing the " late '' date to XX/XX/XXXX, but the records clearly show I had zero balance in XX/XX/XXXX. 
This is not right and needs to be fixed.
Product: Student loan

I have had multiple issues with FedLoan. First, I am required to use this servicer, as I am enrolled in Public Service Loan Forgiveness. I did not have these problems with my previous servicer. 

I am on the Income Based Repayment Plan as I can not afford the Standard Repayment plan on my salary as a XXXX. I was shocked today to discover that my checking account was overdrawn, and when I looked into it further, I realized it was because FedLoan had taken nearly {$1200.00} from my account without my authorization. My normal IBR payment is around {$250.00}. 

I called and they told me I was sent a notice that this change would happen. I never received either a paper or electronic statement stating I needed to do anything for my IBR plan, or that my payment was changing. They then told me I would have to try to dispute the charge with my bank to try to get my money back. My bank was confused, and wanted them to reverse the charge. FedLoan claimed they were unable to do that because they had sent me a notice. I explained that I never got the notice, but it did not make any difference to them. I am now overdrawn and have no guarantee I will get that money back. I live on a tight income, and this is devastating. 

In the past they were totally uncooperative when I asked for them to change my payment due date. I told them on the phone that I was unable to make the payment on the date they assigned me, but they refused to change it. The reasons provided here were vague, and they told me it was connected to my IBR application, and that I would need to go into forbearance and request a new IBR - something very convoluted. My payments were consistently late because they refused to make this change, and I later found out that those late payments are not credited to my account towards my Public Service Loan Program payoff. This represents a significant number of payments stolen from me. 

I have attempted to contact them via their website multiple times over the years and received no response. When I would call and get an operator, half the time they said they would send a form to me it would never arrive. 

I am at the end of my rope with this company and I am locked in with using them.
Product: Credit card or prepaid card

CREDIT CARD WAS OPEN IN MY NAME I HAVE STATED THIS TO NAVY FEDERAL MANY TIMES
Product: Credit reporting or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXXXXXX Account Number : XXXX It's showing that I've had multiple late payments, but the accounts do not match across the reporting agencies and I find this to be very concerning. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements showing these late payments? 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX this inquires are fraudulent obtain by someone who stolen my identity 'to obtain credit, improper use of credit
Product: Mortgage

I refinanced my VA Loan which I had with Amerisave Mortgage corporation for my property at XXXX XXXX XXXX XXXX, XXXX FL XXXX. I refinanced this loan for two reasons 1 ) change to a conventional loan, and 2 ) needed the escrow to fix the roof in my property.

The closing date of the new refinance was on XX/XX/2022. The escrow amount in that loan Loan # : XXXX was {$9000.00} which was agreed in the closing documents to be send to me via wire transfer to my bank account. 

I did not receive the funds so I proceeded to call Amerisave, on the week of XX/XX/2022 to find out why the money had not been transferred. Amerisave mentioned that the reason it was not transferred was because it was issued on a check with the wrong address of XXXX XXXX XXXX, XXXX, XXXX, but that I should receive the money as the check had been issued in XXXX XX/XX/2022. I was not given a specific time. 

Upon not receiving the check I called back to inquire on XXXX occasions XXXX XXXX and XXXX XXXX. I was instructed to wait for 30 days before they could reissue the check with the correct address. I asked to wire my funds at my own expense and the company denied. 

On XXXX XXXX I called to inquire again. I was told that they are reissuing the check and I should receive in 30 days time. The reason they cancelled the original check was because I had moved addresses and they had placed a stop on the check. 

Today XXXX XXXX I called back, asking about the check and was told that the order to issue was issued on the XXXX of XXXX but the check could take more than 60 days to arrive. I was also told there is nothing I can do on the matter. I spoke with the supervisor and they instructed me that I could not place any complaints as they are not a lending agency but rather a Mortgage service company and I should address this issues with the VA as this was a VA loan. Again I offered to pay for the cost of a Wire transfer and was denied. 

My formal complaint is that its has been as of today XXXX XXXX a total of 91 days since I closed on my house, and the explanation given was that I would have to wait an additional 60 days before getting the escrow funds I have already paid ; this would be a total of 151 days since today to receive my funds. Additionally, during the closing of the deal it was agreed that all funds will be transferred via XXXX not check. Finally, despite the fact that I have called consecutively there is no response except wait by the company and there is a misrepresentation by management and staff that I can not complain to any government agency. 

Additionally, why was the check issued to XXXX XXXX XXXX, XXXX, MA, XXXX when every single document of the refinance was stipulated as XXXX XXXX XXXX XXXX, XXXX, XXXX, FL XXXX?
Product: Student loan

XXXX worth in student loan debt. I keep asking about the forbearance issue and they keep telling me they cant help me or dont know anything about it. Ive tried to talk to multiple people about my situation. The school my loans are through are closing and is being sued due to fraud and lying to students. I was told that i am capable of getting my loans discharged because of the school and not being able to use my degree or anything. Ive been requesting help and havent been getting any. Besides being told what i owe and how i would like to go about paying it
Product: Credit reporting or other personal consumer reports

**To Whom It May Concern, ** **Subject : Request for Personal Information Update and Deletion of Inaccurate Data** I am writing to request an update to my personal information in your records. Please ensure that the following information is the only data associated with my accounts : - **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached will be documents to support my dispute.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in the light of the recent cfbp lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPbs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

Over the past 9-12 months. I have had several financial issues that have stemmed from potential theft, to temporary freezing of my assets due to unknown parties attempting to access them without my permission. My primary checking account with J.P. Morgan Chase has has several issues. Transactions that happened more than a week ago are just now being posted. Credit line increases that have not been issued to my primary credit card account with them, as well as an abnormal credit line increase with concerning an Amazon XXXX rewards account where at the start, I was given a {$2500.00} dollar limit, then in no less than XXXX months, it increased dramatically to {$6500.00}. In 2020, I contacted J.P. Morgan Chase concerning a banker on their staff that I had known personally that may be interested in keeping a keen eye on my accounts with Chase due to animosity we have towards each other. That investigation resulted in zero findings, I am continuing to have issues with this bank, culminating in wire transfers that are being halted for reasons unbeknownst to me. I am requesting the CPFB to inquire into this bank and see if any unprofessional behavior is being committed concerning my checking account, my savings account, and my two credit cards I have with this bank. Specifically the rate at which specific transactions are being posted, as well as abnormal credit line increases. I visited a branch last week and they assured me that nothing abnormal has arisen. There is a strong possibility that my account is not the only one affected. There is a strong possibility that someone at this nationwide bank has given unauthorized access to my accounts.
Product: Student loan

I had XXXX 90 day late payments reported on my credit report which has severely hurt my credit score preventing me to be in a position to get credit cards, loans, etc. It has put my score under 660 and still struggling to bring it up because of these XXXX late payments. Those payments were for a student loan from OSLA that I was not aware I had to pay as I had no way to access my account. They didn't contact me about my late payments, and if they did they just said I had a message pending. I would have trouble accessing my accounts. I would keep getting locked out. I tried everything in terms of resetting passwords, and answering questions but was able to get access to my account. I tried calling their support in an attempt to fix my account, only to be left on hold for hours, and being transferred and have the line hang up. I use my phone for work so this also slowed down my work. The entire process was not easy at all which is why it took so long to finally reach them. Once I got to my account I realized that XXXX of the loans had started and I didn't have any clue or have auto-pay setup. They were leaving me to have appeared as I missed XXXX 90 day late payments when I was not aware of the whole situation. This has been very difficult to try to get credit, or secure loans for anything XXXX needed.. ( houses, cars, assets )
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit card

I applied for a secured credit card with Capital One. My application was approved and I funded it with {$1000.00}. Shortly after I funded the card I got an email saying the card had been mailed and then a few days later a follow up email telling me that my account had been restricted and to please call Capital One. I called Capital One and was told that I needed to send in a few documents, which I've now done several times. Whenever I send in the documents I hear nothing back and when I call to inquire I am told that the address verification document was not accepted but everything else was. I have tried explaining to them several times that since applying for the card I have moved but this falls on deaf ears. My new address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX. I am hoping this complaint will find a person who can take ownership of my issue and help me resolve it. For verification purposes I am attaching the following photos/documents to this complaint for Capital One to use as they see fit in reviewing my account. My driver 's license, a photo of me holding my driver 's license, my social security card and lastly the most recent utility statement for my new address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX Theres inaccurate information on my credit Report by this account. The Dates are inaccurate with all XXXX bureaus Last Verified Last Activity According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Delete this Account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ). 

Im not liable for this debt with XXXX XXXX  .I dont have a contract with XXXX XXXX they did not provide me with original contract as I requested. 

Correction to my credit report, I demand this account to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ MI ] [ XXXX ] SSN : XXXX XXXX XXXX XXXX DOB : XXXX XXXX XXXX [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account Number : XXXX Reason : [ 7 POTENTIALLY NEGATIVE MONTHS NEED DELETED & ACCOUNT ASAP PLEASE ALSO TRYING TO BUY A HOME. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Product: Credit card or prepaid card

On or around XX/XX/XXXX, I received an offer ( addressed to me and mailed to my business ) from American Express, offering XXXX XXXX Preferred Guest points for the first {$5000.00} spent and another XXXX XXXX Preferred Guest points for an additional {$5000.00} spent. I accepted the promotional offer ( which American Express has confirmed was noted on my account ) and the card was activated in XX/XX/XXXX. I spent {$7900.00} over a period of several weeks ( and paid the balance in full ), but no SPG points were received as offered. I contacted American Express approximately ten days ago, and was told it was possible I was n't eligible because I had previously owned the card which was closed in XX/XX/XXXX. The American Express associated indicated she would forward the issue to " escalated complaints '' for clarification. I called again today, and after being disconnected twice, was connected with XXXX ( employee ID XXXX of XXXX, AZ ) a supervisor with American Express. He agreed I should be awarded the points, as American Express solicited the promotional offer, it was noted on my account and I met the required terms. After being placed on hold for a few minutes, he indicated that I would not be given the points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and saw an account from XXXX XXXX. 

I do not own a home nor do I have a mortgage. 

If there is documentation with signature on it, please release that information to me so i can take it to the police. 

I am not a homeowner and my name shouldn't be associated with any mortgages.
Product: Credit reporting or other personal consumer reports

My credit report contains mistakes under 15 USC 16c-2, specifically unauthorized inquiries. Please take action to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because I noticed an insurance collection on my account. I was unaware of this collection and asked them to validate this debt. I believe the credit bureau failed to properly validate this debt. I mailed a letter to this collection agency but I received no response. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report. If this collection agency is unable to provide the original documents of this debt along with validating I owe them this debt I would like it removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This shows in my credit report and does not belong to me : Westlake Financial Services Acct # XXXX Date Opened : XXXX and Current Principal : XXXX Payment : {$770.00} Last Payment Date : XX/XX/22
Product: Credit reporting, credit repair services, 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. XXXX XXXX account # XXXX XXXX XXXX account # XXXX late payments 30 day and 60 day XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account account # XXXX. 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 seven 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was used to obtain credit without my knowledge. I notified all three bureaus in writing via USPS priority mail several times in XX/XX/XXXX. Both the inaccurate addresses, as well as fraudulent accounts still show on my profiles. My rights have been violated as a consumer and I am requesting legal action to remove those accounts immediately.