23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I'm a XXXX XXXX XXXX, currently serving XXXX XXXX with the Superior Court in XXXX. I've been making student loan payments since XX/XX/XXXX, and hope to have my loans forgiven under PSLF sometime in XXXX. Two of  the payments I made in XXXX have not ( yet ) been applied toward my 120 payments needed for PSLF. 

I got a new IBR amount in XX/XX/XXXX, and made a payment for the IBR amount in XXXX and XXXX ( see attached bank statements showing I made on-time payments to XXXX XXXX XXXX in XXXX and XX/XX/XXXX ). I then realized that they had miscalculated my IBR payment ( if I recall, they had used the wrong family size in making my calculation ), and my payments were approximately $ 80/month too much. 

I contacted them about that. It took them several months and phone calls, but they eventually reimbursed me the {$160.00} they owed me for the over-payments I made in XXXX and XX/XX/XXXX. However, the way they did that was to reissue the bills and apply the money I had paid in XXXX and XXXX to these new bills. Because it then looked like I had made the payments after XXXX and XXXX, they retroactively applied a administrative forebearance for XXXX and XXXX ( they helpfully say they did this so I wouldn't be turned over to collections! ). Thus, they say I did not make PSLF qualifiying payments in XXXX and XX/XX/XXXX, even though I did make payments in those months ( and the amount was actually over what I truly owed ). 

Since then, I've called them multiple times about the fact that these two payments are not counting toward PSLF but should. I called them in XX/XX/XXXX, and they told me it would be " reviewed '' and I'd get an answer after 90 days. I then called in XXXX ( 90 days later ), and was told the review was still being processed, and that it was 90 business days, not 90 calendar days. Then I called in XXXX ( 90 business days ) and was told the review was still being processed, and there was no timeline at all for when I might get an answer. 

I believe I also called in the spring and early summer, but got no resolution. Then in XX/XX/XXXX, I called and the person I spoke to claimed she'd be able to fix it, but it of course has not been fixed. 

I've called again multiple times in the last couple of months, and was told that it is now in the Quality Assurance department, and they have no timeline for completing reviews, but it could take 3-4 months. I was told I can not speak directly to the Quality Assurance department, and can not be cc 'd on the email making the request.

This is all so that two payments that everyone agrees I made can count for PSLF. It's now been 20 months since I first made the payment in XX/XX/XXXX. I would appreciate any assistance your office could provide in resolving this matter.
Product: Debt collection

I am not liable for any debt with XXXX FS XXXX XXXX XXXX. I do not have a contract with CKS PRIME INVESTMENTS , LLC. I demand this collection account be permanently removed from my credit report immediately. They did not provide me with and forward flow agreement or and chain of assignment. According to 15 U.S.Code 1692c, 15 U.S Code 1692g and 15 U.S.Code 1681 e ( b ). They have violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I discovered I had reason to believe that my personal information, including my SSN, may have been compromised. I have not been employed nor do I have a line of credit, so I had not previously been enrolled in or otherwise interacted with any of the three credit bureaus until now. From ~XXXX XX/XX/2019 to XXXX XX/XX/2019 I had attempted to register on the websites of Equifax, XXXX  XXXX and XXXX  to no avail as they claim to be experiencing technical difficulties. Calling Equifax to attempt a Fraud Alert ( XXXX XX/XX/2019 ) resulted in a representative that could not understand me and asked for my Social Security Number over the phone without confirming my issue - their website did not accept my registration. Calling XXXX  ( XXXX XX/XX/2019 ) resulted in an automated system that requested my social security number up front - their website did not accept my registration. Calling XXXX ( XXXX XX/XX/2019 ) resulted in an automated system that expected me to have an account - their website did not accept my registration. 
With these as my ONLY avenue to apply preventative measures and avoid possible identity theft I find myself at a loss as to why it is so poorly managed.
Product: Credit card

On XX/XX/2024 I was alerted by Citibank of a charge made with my card for {$310.00} while I was traveling in XXXX XXXX. I immediately called Citibank and told them of the fraud and was assured not to worry they would keep my card open and upon returning to call and file a dispute. When I returned to the XXXX on XX/XX/2024 i called Citibank as directed to report the fraudulent charge. I was asked a series of questions by Citibank and was told I was responsible for the charge since the chip on the card was used for the transaction. I told XXXX at fraud Citibank that I never made that transaction. I asked for a signature or some other proof and was told they didnt have anything. Since I still had the card I was told I must of made the transaction since the chip was used. I explained I used my card throughout my trip, giving my card to restaurants, shops, hotels .I did not make that transaction. I always pay my charge bills in full and did so with Citibank excluding the fraudulent charge of XXXX. Now I received a letter from Citibank stating XXXX responsible for the charge and will be reported to consumer agencies as past due. I am at my wits end and have an excellent XXXX XXXX, I feel Citibank has not protected me. I did exactly what I was told when first reporting the charge received in the alert on XX/XX/XXXX. I was a new customer to Citibank and got the card because they didnt charge an international fee. I have closed the account because of this and am no longer a cardholder with Citibank even having to forfeit my airline miles. Please help me.
Product: Checking or savings account

I have had a " simple '' account for years. XXXX they decided to close simple and put everything under their main system XXXX. XXXX does not transfer account as it's supposed to via the web site or their app, phone numbers are worthless. If you call phone numbers 99 % of the time you are simply hung up on. When you do actually have your call picked up someone who sounds like they speak english as a second language XXXX XXXX person ) pretends they can't hear you ( every time ) then sometimes reads off a phone number so fast you can't hear or understand it. These people have several XXXX dollars of my money and will undoubtedly continue to enjoy the benefits of my funds until they feel like giving me access to my money again XXXX like when, several weeks? ) They are apparently secure in the idea that their debacle will go unpunished when it should not. My fear is that if they are not immediately called on the carpet that this will result in a torrent of over drafts and refused charges from a couple of things that I have charging their card every month. You can't let this go on when they've shown their colors already punishment needs to be swift and sure so no one thinks it's ok to do this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam ; I am a victim of Identity Theft. the Information Listed Below, which appears on my credit Report Does not relate to any transactions that I have made.it is the result of Identity theft. Please Block this Information from my credit Report pursuant to section 605B of  the fair credit Reporting Act and send the Required notifications to all Furnisher of this information. Enclosed are the following ; XXXX XXXX state of Maryland ; Original filling Date XX/XX/2015 2015
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits I have. Capital One has cited technical issues that have been going on for three days, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I previously submitted a dispute for the charge off account for the Discover Financial Services credit card on my credit report which is affecting my credit at the time. I requested information regarding this account which in this case could mean identify theft because I am not able to recognize this account. Ive inquired regarding the account on numerous occasions. The address associated with this account I have never resided there which has now as disputing has been removed off my credit report. The name as well has been misspelled which I previously brought up as of red flags. Due to federal law if proof that this account is mine indeed they have to delete this account from my credit report.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX  Balance : {$2700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$480.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX XXXX  ; XXXX XX/XX/XXXX
Product: Debt collection

Ive tried contacting XXXX and they told me to submit my documents and I did numerous of time. I truly believe XXXX has no respect for the CFPB they disregard my emails and my faxes, every time I call they tell me that they did not receive it, so maybe I have to fax it again, I told the Rep that I faxed it numerous of times, what's the hold up. she then put me on hold and came back XXXX minutes later, stating they received my Id but nothing else. Therefore she said call back and see if anything came in I called back XXXX hours later I got a different representative I stated my case, and she put me on hold for about XXXX minutes and came back and said that I did not have any faxes at all, so I said the other rep told me that they got my Id, now you're telling me that you don't see nothing, and she said no try back tomorrow.
Product: Mortgage

owed XXXX to B O A, house was sold thru short sale, this was paid and for gave as of XX/XX/2015 in full.
Product: Vehicle loan or lease

Dear XXXX XXXX XXXX PNC BANK, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from PNC BANK. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon XXXX ( XXXX ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing XXXX instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

XXXX XXXX will not verify or remove this listing from my XXXX XXXX credit report. I have asked that they fully validate/ verify this debt in it 's entirety. Including my signature and promise to pay as well as other identifying information that will verify that this line item should be listed on my credit report. This collection agency has not provided this information. I am requesting documentation that states I promised to pay. A contract with my signature that shows this account belongs to me. I have yet to receive this information after numerous attempts as well they continue to verify this information as accurate with XXXX XXXX although they have yet to provide me with the requested documentation.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy federal for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices were unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In contempt of my previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to correct the account in my credit file. This is the inaccurate account : XXXX XXXX Balance : {$660.00}.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX
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 XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX 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 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: Money transfer, virtual currency, or money service

I had an account at Jp Morgan chase that was closed due to possible fraud, after a frustrating process, they closed the account and states that the entire balance will be retuned to me. After they close the account, the bank returned only XXXX, I am missing about XXXX dollars. I have tried to reach out to Chase and all I have was the run around from the fraud department about why I am having a difference balance that was deposited into my account. When I called on XX/XX/2022, I was informed that this amount was supposed to be a check refund to me from the XXXX company of XXXX. I was informed that I was supposed to have 3 checks in the amount of XXXX dollars each. However, this is not the case. The XXXX dollar was a rent check that was made out to my mother, which deposited by mistake into my personal account under my own name. I have tried to resolve that issue with chase, but they insist on either my mother to verify the check or have the Tenant do a recall. I managed to have the tenant agree to do a recall, however her bank refused and stated they can only do a dispute which will take 3-6 months. I have informed chase my mother lives overseas and have no way of being able to verify that check unless they are able to contact, which Chase states they are unable to make international calls. I just want the XXXX that was owed to me, deposed into my account in the full amount. Chase has made this progress incredible difficult and have offered no assistance.
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. In addition, I have attached a PDF document reflecting all items that were found. Please remove the disputed accounts ASAP. 
ACCOUNTS -XXXX  XXXX : XXXX DATE OPENED : XX/XX/XXXX CREDIT AMOUNT : XXXX -XXXX XXXX XXXX XXXX : XXXX DATE OPENED : XX/XX/XXXX CREDIT AMOUNT : XXXX -XXXX XXXX XXXX XXXX : XXXX DATE OPENED : XX/XX/XXXX CREDIT AMOUNT : XXXX XXXX XXXX XXXX XXXX  : XXXX DATE OPENED : XX/XX/XXXX -XXXX XXXX XXXX XXXX  : XXXX DATE OPENED : XX/XX/XXXX CREDIT AMOUNT : XXXX INQUIRIES XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX Experian and XXXX credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed InformatiXXXX. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX credit bureau are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account. They have stated they ca n't find the reference account in previous complaints yet it 's still being reported to Experian as erroneous information and violating the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following, on formation on my file, the XXXX collection account with the Account number XXXX and the date on it says XX/XX/22. The following information on my consumer report is inaccurate and according to FCRA is 15 usc 1681i ( 5 ) which is treatment of inaccurate or unverifiable information, on my credit report, I have send XXXX rounds of certified u.s postal service letters to all the three ( 3 ) credit bureaus and including the the XXXX, original creditor which is XXXX headquarters and the collection they sold its to which is XXXX XXXX XXXX, I sent they beat validation letters, and a Re-method of verification.the account was Re-aged account to my credit consumer credit report and they keep sent my a letter saying my account is verified, but, and I send them XXXX rounds of letters to no avail. I will be happy if u can re- investigate my information and delete the inaccurate information on my consumer reports. Thanks
Product: Debt collection

XXXX : I reviewed my credit report and saw a collection from XXXX XXXX. I do not owe this debt. This company never attempted to call me or write me a letter, so that I could dispute this debt. My contact information is the same. I am requesting that this debt of {$5200.00} be removed from my credit report from this company. I would have appreciated a letter or call, because my credit was impacted. Please remove this debt from my report.
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XXXX XXXX I fell victim to a multi-layered scam operation which involved me making deposits for a total amount of XXXX USD from my CoinFlip account to fraudulent investment firm ( s ).