23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing about FedLoan the Public Service Loan Forgiveness program management and my application for forgiveness. 

On XX/XX/XXXX FedLoan acknowledged that they received my most recent Employment Certification form, which includes proof of qualified employment since XXXX of XXXX. However, they did not update my account to reflect eligible payments between XXXX of XXXX and XXXX of XXXX ( there are 24 eligible payments missing : I'm at the same employer, making payments on the same plan, etc. ) On XX/XX/XXXX, FedLoan acknowledged that they received my PSLF application for forgiveness, which I submitted based on the belief that under TEPLSF I had made the 120 qualifying payments required. 

On XX/XX/XXXX, Fedloan rejected my application for PSLF/TEPSLF because I had not made enough qualifying payments. 

There are 21 payments " under manual review '' made between XXXX and XXXX. I was told that the data had to come from my previous loan servicer and they were still trying to connect with that company ( XXXX ). I obtained the relevant documentation from XXXX and submitted it to FedLoan.

FedLoan still has not updated my qualifying payment numbers in spite of the documentation I uploaded. 

Currently, their system shows that I've made 78 qualifying payments under TEPSLF. If they process and count the additional 45 eligible payments, my loans will qualify for forgiveness. I've called several times in the last four months and they acknowledge they've received my paperwork but always tell me they are processing it and I have to wait, without any information on when or how long it will take to process. 

I need a resolution, and my loans forgiven, before the moratorium on student loan payments ends in XXXX. 

Thank you.
Product: Mortgage

Again the Credit Idiots are screwing me once again. My BRAIN told me to refinance my mortgage. I didnt know I was going to get XXXX in the Process and be stalked to get it accomplished. My brain then planned to get my retirement vehicle. Nope that would be to easy. I had XXXX in debt in XXXX and had a XXXX score that you show to the me the consumer but you the Lender get a different score. What's Fair About that? 

So anyway that doesn't work so I just decide to get my automobile. Boy that was so much fun because of the irrelevant data the bureaus use to calculate their scores that then then go and sell to the Creditors who then in turn to determine who you slept with to get a loan. In my case I had gotten a loan a year ago with a XXXX per interest rate and a XXXX per month payment. I was approved for XXXX. I traded a car and only used XXXX so I just started paying XXXX per month even. After much aggravation with the mortgage loan I decided to just go for my retirement car anyway. I asked the credit union for XXXX and they approved me XXXX. I was looking at a car that cost XXXX. With the new approved car loan now I have a XXXX and a XXXX car payment. That totals {$1200.00}. To me, if I can qualify for 2 car payments why cant I just have one car note of {$1200.00}. 
The way they did the loan it cost me {$13000.00} more cash than I would have had to spend. I got 4 different rates with final being XXXX I wish I could have compared all three credit unions before I had to choose. What's Fair About that? 


Now to the Mortgages, The same credit union that aproved my auto loan turrned me down due to misinformation at the credit bureaus.
Product: Debt collection

I am writing to bring to your attention a critical issue concerning my credit report. Despite previous disputes and requests for the removal of fraudulent accounts, my credit report continues to display inaccurate and unauthorized information, which is severely impacting my creditworthiness. 
I have identified the following fraudulent accounts on my credit report, and I insist on their immediate removal : XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX  FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
These entries are not only unauthorized but also damaging to my credit score and financial reputation. I have previously submitted disputes regarding these fraudulent accounts, yet they persist on my credit report. It is evident that the bureaus have failed to thoroughly investigate and rectify the situation, and instead, additional fraudulent accounts continue to be reported.
Product: Debt collection

I am disputing a debt on my credit report that does not belong to me. This debt is the result of identity theft, and I have no association with the account. I am requesting its immediate removal from my credit report under the Fair Credit Reporting Act. 

Please investigate this matter and take appropriate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. I sent a letter to Experian disputing 3 accounts as fraud on ( XX/XX/2022 ) via the online CFPB consumer complaint portal. I received notice via thia same CFPB portal that Experian received the dispute letter on ( XX/XX/2022 ). It is now ( XX/XX/2022 ) and I have not received a response from Experian. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), Experian have 30 days to investigate disputes. If Experian can not verify the information within the 30 day time period, they must delete all of the disputed accounts from my report. Experian must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 

There is no trilateral contract in place between me, discover, and Experian that states that I have authorized Experian to furnish this information on behalf of XXXX. XXXX has yet to provide well after 30 days an original instrument of indebtness and neither has Experian after multiple investigations and reinvestigations of the disputed debt. This is FRAUD!
Product: Bank account or service

I have a business and I got a XXXX to handle my credit card processing.I had a bank account at Citizens Bank.At the beginning of XXXX 2016, my credit card machine broke and I could no longer accept credit cards.I XXXX called XXXX on numerous occasionsonly to be given the run around.They continued to take money out of my bank account, I complained to Citizens Bank but they did nothing to help.I had to close my old account and open a new. 
XXXX is still trying to take money out of a closed account, even though I cancelled their service .They took money out of my account even though there was no credit card activity.
Product: Mortgage

I have been trying to get my escrow removed from my mortgage loan through Mr. Cooper for some time now due to the fact that I am 100 % XXXX veteran. So I am homestead tax exempt in Nebraska. So I am paying them more then necessary. I also am having to pay double insurance payment cause they won't send my insurance payment but once a year. So I am paying {$290.00} a month to the escrow and to my insurance company.
Product: Checking or savings account

On XX/XX/2024 I made a mobile deposit in the amount of {$3000.00} ( cashiers check ) from XXXX XXXX XXXX. On XX/XX/2024, Bank of America returned the item. I physically took the cashier 's check to the local branch in XXXX, FL and deposited it in person. My accounted was credited for the cashier 's check. On XX/XX/XXXX l I called to speak with a Bank of America representative because I did not have any access to my account. The representative stated that the account had been closed and gave no reasons. As of XX/XX/XXXX my account balance was {$3400.00}. I received a refund check in the amount of {$400.00} dated XX/XX/2024. Today, XX/XX/2024 I went to the local bank to ask about the {$3000.00} that I have not received. The bank representative stated I needed to call the customer service number for additional information. I called and was told to call back on Monday. I have been unable to find out when I will receive the {$3000.00} will be returned to me. Every time I call and speak with someone I am told to call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported to ews over a year ago for a fraudulent activity that took place on a XXXX XXXX XXXX account that i never had. Which forcefully caused my XXXX XXXX bank account to close when i made an attempt to open an additional account to manage my money better. I have made several attempts on contacting ews but the account i requested to be resolved have been bypassed. I am seeking immediate results.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second attempt at removing inaccurate information from my consumer report. Please remove the address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX as I do not recognize nor have I ever lived there. I am attaching a copy of the Federal Trade Commission Identity Theft Report for the second time as requested. My FTC Report # is XXXX. Thank You for removing this address promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$5700.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX
EQUIFAX INFORMATION SERVICES LLC 
XXXX XXXX XXXX XXXX ,GA XXXX  TO WHOM IT MAY CONCERN :
I AM WRITING TO DELETE THE INFORMATION IN MY FILE. THE 
ITEMS I NEED DELETE ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE 
CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY 
CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL 
TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE 
DELETE THE ITEMS AS SOON AS POSSIBLE.
DEROGATORY REMARKS/ACCOUNTS/COLLECTIONS 
1. XXXX XXXX XXXX  2. XXXX XXXX XXXX XXXX
3. XXXX XXXX XXXX XXXX
4. XXXX XXXX XXXX
5. XXXX XXXX XXXX XXXX
6.XXXX XXXX XXXX XXXX XXXX
7. XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had opened a dispute claim Case opened : XXXX. And it got denied basically over night. Within a few hours. I hardly think PayPal reviewed, investigated my claim in a matter of a few hours to deny my claim.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit card

Care credit account opened in XX/XX/XXXX, I have made payments totaling just over {$2000.00} and I have only paid down my balance by just under {$400.00}. I was enrolled in a credit protection program that I did not authorize which was charging me {$52.00} per month. In XXXX of XXXX my available balance to use was just under {$500.00} and by the time I needed to use it, less than one month later my available balance to use was {$97.00}. ALL of the money I have paid towards this debt has been erased by fees and interest charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion a letter explaining to them about inquiries and other negative items that i did not consent that are reporting on m credit file.
Product: Debt collection

I terminated my XXXX XXXX service XX/XX/2016 due to poor service when the service technician failed to show up during the scheduled time window. The technician rescheduled for the next day, but failed to show up again in the time window and actually tried to access my property, after dark, through a private, gated entrance! I immediately cancelled my service and paid the amount due up to that point according to the customer service representative. This person also confirmed the {$49.00} service fee would not be charged. Since then, I've spoken with XXXX XXXX twice and they confirmed there was a " note '' to remove the service charge, but it never was. The account went to collections with a balance of {$27.00}. I've been contacted by mail and email several times by the collection agency. I've reached out to XXXX XXXX through social media to resolve and they were supposed to zero out the account and remove it from collections. I checked my account online ( still active ) and it still shows a balance of {$27.00}. I downloaded the last statement which shows the balance AND {$49.00} service fee that was never removed. XXXX XXXX actually OWES me {$21.00}!
Product: Checking or savings account

I had a high yield savings account ( XXXX ) with Goldman Sachs with about $ XXXX in it. I wanted to make it a joint account with my wife but I wasnt able to. I had to instead open a new account as a joint account, then transfer funds from the old account to the new joint one. I did that, the new account XXXX was set up. Then my wife and I set up a second XXXX savings account XXXX for her savings. We transferred her savings into that ( $ XXXX ). 

Around this same time we were moving into my wifes parents place so we changed the address on the accounts to the new one. 

Well, pretty soon neither of us were able to make transfers between accounts and suddenly today I was told I was completely locked out of my account. 

I called Marcus customer service as I was instructed to do and after a long time I was able to surmise that they thought the new accounts were made fraudulently and they were issuing our money back to the funding sources. I was told this may mean we will receive our money back in the mail but I have yet to receive this check. My wifes funding source would have been her XXXX XXXX account and she too does not have the money yet. 

When I asked why this was happening, they told me they could not reveal that to me for privacy reasons. I got the impression they thought I was fraudulently trying to access my own account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent EQUIFAX certified letters on XX/XX/2018, XX/XX/2018 and they report back verified and there is no way they could because the collection agency doesn't even respond back to me I have tried to resolve this issue with CREDIT BUREAU SERVICES & EQUIFAX in regards to an apartment that was obtained due to identity theft. I have disputed this account directly with this company. I have sent them my identity theft affidavit and police report but they continue to report and the last two dispute letters I sent them, they have failed to respond. The first letter certified letter was sent to them in XX/XX/2018 with a tracking number of ( XXXX ) and after they didn't respond so I sent them a follow up letter in XX/XX/2018 with the tracking number of ( XXXX ). They sent me a screen shot of a contract that had a signature but I never signed that. I has been well over 30 days and i just want monetary damages and the account to be deleted immediately. Being that the disputed was not responded to well over 30 days I would like this account to be deleted from all 3 CRA 's.
Product: Credit card or prepaid card

I applied online for a Chase Sapphire Preferred card and was approved. I applied directly from the Chase website after seeing the offer for XXXX bonus points and no annual fee for the first year. I received my card several days later in the mail and logged onto the Chase website and I saw that they had charged me the {$95.00} annual fee. Confused about this I called Chase and was told they did not have the power to remove the fee and said the application code on their end showed that the fee would be charged. I asked to speak with a manager who said they would escalate the issue. 


Today I received a voice mail from Chase again saying they could do nothing to remove the fee have a nice day etc. Is there anything at all I can do about this? The application link I used was directly from the Chase website and clearly showed no annual fee for the first year.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are fraudulent inquiries that I did not authorized : XXXX XXXX ( XXXX XXXX, 2022 ) *XXXX XXXX  XXXX ( XX/XX/2022 ) *XXXX XXXX XXXX XXXX XXXX XXXX, 2022 ) *XXXX XXXX XX/XX/2022 )
Product: Debt collection

I Have sent a letter and called XXXX XXXX to Remove FALSE Inaccurate Credit Information that is being reported on my credit reports from Debt Recovery Solutions : Alleged acct number XXXX To whom it may concern : I have received a notice from Debt Recovery Solutions for debt owed in the amount of {$3100.00}, which I am declaring completely fraudulent. I obtained a copy of my credit report and after reviewing the information, I noted that inaccuracies have been placed again on my credit report regarding XXXX XXXX. I have NEVER had an account or heard of XXXX  XXXX  XXXX. This information has been placed on my credit report now for the second time after initially being corrected. How was this verified and approved?, Where are my signatures, where was the money deposited or a check written to? 
Here are the factual items in which I am disputing : 1. This Debt is NOT and NEVER has been associated with me 2. I am reporting this a FRAUD 3.Re-insertion of fraudulent ; incorrect information, AFTER it was corrected when it was sent to a previous debt collector. 
I formally wrote notice to XXXX to correct my credit report and now I have to send the XXXX and XXXX. Please note that this inaccuracy has been reported twice. 
Following the conclusion of your investigation, please send me the results of the corrections via MAIL. 

Thank you, XXXX XXXX
Product: Prepaid card

I received 2 American Express Reward virtual cards from my employer for {$100.00} each. The first was received on XX/XX/2023 and the second on XX/XX/2023 These cards can not be used in physical stores but I can not use them in ANY online stores, either. They are declined at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and countless other online stores I've tried. 

The company claims that this is done to " protect [ my ] funds '' and I was told to just use them at another store. However THERE IS NO STORE that I can use these cards at!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing since XX/XX/XXXX. I sent dispute letters on XX/XX/XXXX as well. I have not received anything from XXXX, Experian, nor XXXX. They have inaccurate information on my credit report. XXXX, XXXX, and Experian are also violating my rights under FCRA and not in compliance with the laws. 

The list of accounts that I have not received results from my investigation since XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and spoke with all three Credit Bureaus Experian, XXXX, and XXXX about XXXX XXXX, XXXX  XXXX, XXXX XXXX and XXXX  credit cards being filed in BK XXXX. They have not made any changes to my file as XXXX XXXX   was filed in BK before showing charged off. How can you show a charge off when it was filed in BK? This is lazy on their part and their plan to keep you stuck in a system when you are trying to rebuild your credit. I will attach the file with the list of accounts that Experian, XXXX, and XXXX is still showing active or has charged off on it. These accounts should show filed in BK and now we are passed my discharged stage as the accounts are now discharged.
Product: Debt collection

In review of my credit report, I notice Credence Resource Management reporting on my credit report for the amount of  {$610.00}. I first reached out to the credit bureaus and they came back as the debt being verified. On XX/XX/2020 they sent me a so called bill from XXXX XXXX XXXX. I questioned the bill as well as I do not have an account with XXXX XXXX XXXX, especially not this year or last year. The bill shows a recent date for XX/XX/2020. I have no account with them. I also noticed from my credit report, that they are updating this account as if it is a new account, which is a violation. On XX/XX/2020 i asked this company to provide proof with regards to this debt. On XX/XX/2020 they sent a letter stating that the creditor has verified the debt and that the charges on your account are valid. 

They have not sent me any proof, for this account. They are reporting false account on my credit report.