23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have placed XXXX separate phone calls to MOHELA since XX/XX/XXXX. On that date, I requested a refund for XXXX payments I made during Covid, totaling {$4000.00}. I was also going through the PSLF process. On XX/XX/XXXX, a MOHELA customer service agent told me that XXXX of my XXXX loans - XXXX XXXX and XXXX XXXX - were forgiven and discharged retroactively on XX/XX/XXXX. She said I would get a refund for overpayments : {$3700.00} for Loan XXXX XXXX  and {$4500.00} for loan XXXX. I have not received any refund. Each time I called MOHELA, I was on hold for more than an hour and they could only provide limited information. I called yesterday and today trying to reach an " advance agent '', but was repeatedly placed in a queue answered by customer service agents who said they were not advanced and could not help. I requested to be transferred to a supervisor and the request as denied. I am owed more than {$12000.00} and it has proven impossible to obtain information from MOHELA about these refunds.
Product: Debt collection

This letter is being sent to you in response to a telephone call made to me on ( XX/XX/2020 ). Be advised that this is not a refusal to pay, but a notice sent to a pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validated is requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been going on with Experian, XXXX, and XXXX for years. At first I disputed the mark on my credit because it had been on there for over the years. The age view notified the creditor and the creditor simply changed the date on the credit. On multiple occasions I have asked XXXX, XXXX and Experian, to please conduct a proper investigation and have the creditor provide proof of said loan with documents showing the terms of the loan and must include my signature. They have not been unable to provide this documentation as it does not exist, but they have yet to remove it from my credit. I have disputed this account multiple times all with different reasons why this is not my loan and the Credit reporting companies do not find any proper documentation proving anything but still don't remove this. I spoke with an agent at XXXX once over there phone, and they said that since the creditor is a member to XXXX they do not investigate and take their word for it. I thought the FCRA was made to prevent situations like this. If damaging someone's credit report, simply because you have the capital to be a member, is permissible by the FTC CFPB and therefore our government, then things are a lot worse than imagined. FTC and CFPB are put in place to protect consumers like me from the frauds which these large corporations continually commit. Credit companies should not be allowed to have members as this is a conflict of interest and the proof is right before you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX currently known as XXXX is reporting falsely on my credit report. They do not fix the error I have paid them ontime and they report 30 days late to the credit report Im requesting for this error to get fixed as soon as possible Account number XXXX
Product: Credit card or prepaid card

Received a letter from Bank of America that i was approved for a new credit card- with a limit of $ XXXX that I never applied for - I called them and shut it down. 
XXXX noted a change of address in my file to a new address in CA that does NOT belong to me. 
XXXX also told me someone was trying to access my XXXX XXXX And XXXX XXXX XXXX XXXX XXXX through XXXX XXXXXXXX and change the address
Product: Credit card

Was sent a credit card pre approval by Bread Financial, Comenity Bank. I went online, filled out the information, and a box popped up saying, " we will contact you in 10 to 14 days. '' About 12 days later I get a letter from Comenity Bank saying I was denied because my credit score was too low, it was FICO XXXX. They claimed to have gotten from XXXX. I have an XXXX account and my FiCO score with them was at the time a XXXX. I had to go thru a bunch of hoops to get a number to call XXXX with. The lady I talked to told me there is nothing they could or would do, " you need to contact XXXX, '' she told me. I said, " I have an account with XXXX, and it states a XXXX, not a XXXX XXXX score. '' She again brushed me off. Credit Card companies can offer credit to whom they feel fit. But to deny someone on a bs FICO score is wrong. They do a soft pull, that is how they determine to offer a pre approval in the first place. The soft pull shows the XXXX score. Something else us going on here. I'm XXXX XXXX XXXX, I think they used my age to discriminate against me. When I filled in my date of birth, they said, " oh, too old, deny. '' Then, to cover up their discrimination, they give a bs reason and a bs FICO score. When you go to talk to them, they brush you off. I'm contact you because if they have done this to me, they've done it to others. I believe they need to be investigated. Thank you, XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INFORMED TRANSUNION OF INCORRECT ACCOUNTS REPORTING ONTO MY CREDIT FILE YET THEY STILL CONTINUE TO REPORT ACCOUNTS THAT MAY HAVE BEEN OPEN DUE TO IDENTITY THEFT. I HAVE INFORMED TRANSUNION THAT I AM A VICTIM OF IDENTITY THEFT AND ALSO HAVE SENT IN SUPPORTING DOCUMENTS YET ACCOUNTS SUCH AS XXXX WITH THE AMOUNT OF {$420.00}, A MEDICAL ACCOUNT WITH THE AMOUNT OF {$65.00}, 2 ACCOUNTS FROM XXXX XXXX IN THE AMOUNTS OF {$530.00} AND {$280.00} WITH THE SAME ACCOUNT NUMBERS, AND AD XXXX XXXX IN THE AMOUNT OF {$700.00} STILL APPEAR ON MY FILE THAT I DID NOT AUTHORIZE OR DO ANY BUSINESS WITH. THESE COMPANIES CANT EVEN PRODUCE A CONTRACT BEARING MY SIGNATURE SO HOW IN THE HECK ARE THEY VERIFYING IT WITH TRANSUNION. THESE ACCOUNTS ARE A RESULT IF IDENTITY THEFT.
Product: Credit card or prepaid card

I am writing to your agency to provide an update for my previous complaint id # XXXX. After I submitted my final rebuttal to you and to FIA Card Services ( Bank of America ), XXXX XXXX contacted me again. He agreed to modify the derogatory comments on my credit reports. He modified my XXXX report but did not do so on the other XXXX credit reports : XXXX and XXXX. Please be advised that this indeed is the second time that someone from FIA Card Services has " misinformed '' me. I disputed this matter with both credit reporting agencies and the creditor verified that the negative information is accurate therefore not adhering fully to their resolution for my previous complaint.
Product: Credit reporting or other personal consumer reports

These are hard inquiries that I did not authorize these inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform the I have also endured. Despite using Zelle numerous times and reporting the discrepancies my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds is and was not possible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed to repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Was notified that a credit application was put in to Discover financial services for a credit card. I called when I found this out and had the account canceled and closed this happened on XX/XX/XXXX and I found out about it on XX/XX/XXXX as well. I called to cancel everything XX/XX/XXXX, then I received the credit card and mail XX/XX/XXXX. The credit limit on the card says {$7500.00} just wanting to file a report so I can have it in my records. I have my credit file locked and did put out a fraud alert on my account. The person that put in the application used a fake email.
Product: Credit reporting, credit repair services, or other personal consumer reports

attached in this complaint are my I.d Docs for verification Went to apply for a credit union today ''XXXX/XXXX XXXX XXXX XXXX XX/XX/2019 but was told they could not grant me access due to a security freeze on my XXXX   report, I have never asked or requested a freeze so i was shocked to be told of these news. I called multiple times to fix this issue but to no avail, I simply asking to remove the freeze if its there and to be sent a letter indicating this has been fixed to have the ability to open a new bank account with zero issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I open and close a chase XXXX XXXX  for one week and did not use it and call customer service to cancel the account and to remove from my credit report and chase would not remove from credit report. I never use the credit card and was told that if i cancel the card then i can apply for the other product chase XXXX XXXX ( which is the one want to get ). After cancelation happen with the preferred ... chase lending department said i'm over my limit of there XX/XX/XXXX rule that i can't apply for another card due to i hit there are open 5 credit card within 2 yrs including the one that i just cancel and never use.
Product: Debt collection

XXXX XXXX XXXX XXXX kept sending me loan dept collection notices and e-mail request for loan payments after I has sent them notices from XX/XX/2018 up and till now to refaim from contecting me and to cease and desist any and all communication with me regarding my loan account number XXXX and direct all communication with my dept consolidation XXXX XXXXXXXX XXXX at XXXX XXXX XXXX and the XXXXXXXX XXXX XXXX XXXX from the Power of the Attorney representation I has provided to the Ace Cash Express Customer Care Dept Collection department..
Product: Debt collection

I sent four ( 4 ) certified mail notifications and two ( 2 ) emails notifying them the debt was not mine and was a result of identify theft. I sent in a sworn affidavit. I sent in the FTC Identity Theft affidavit. Despite all this, I continue to be harassed with calls stating the debt in mine ( despite the above documents AND the fact I lived in New York at the time ).
Product: Checking or savings account

A few months ago I got a email from square support telling me my point of sale account has been deactivated and the funds from my sales would be held for a period of 90 days and providing me with the date of release XX/XX/2023. I have spoken with square customer representatives multiple times after that & I was assured that on XX/XX/2023 my funds would be released for me to transfer out of the square point of sale balance. It is now XX/XX/2023 & I can not transfer my funds out because they are still being held... i have emailed square support multiple times and told my account is deactivated and I can not process payments with square anymore completely ignoring my email to support about my funds ... this is super frustrating and completely unprofessional. I have proof of the square support reps I spoke to all stating that on XX/XX/2023 is the release date. I just want my money so I can move on from this situation
Product: Consumer Loan

In 2006 I had A auto loan with wells fargo and the car got stolen and the insurance company paid the car off but wells fargo started reporting a balance to equifax and now 10 years later XXXX is still reporting this ( A BANKRUPTCY ONLY STAY ON YOUR REPORT FOR 7 YEARS ) but this show you how big banks control credit reporting agencies
Product: Credit reporting or other personal consumer reports

PLEASE DELETE AND UPDATE THOSE FOLLOWING ACCOUNTS I FILE FTC REGARDING THIS ACCOUTS BECAUSE IT IS FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$4100.00}
Product: Debt collection

I am attaching a letter requesting information in writing for validation of debt I am being sued for. I did not receive any prior notice but a lawsuit and wage garnishment request. As this is the first notification I received, my letter is in response to the voice mail caller 's message, " You have been notified! ''
Product: Credit reporting

Recently I mailed the " Annual Credit Report Request Form '' ( found on the CFPB 's website ) to the address on it and requested copies of my XXXX and TransUnion credit reports. I have a pending CFPB complaint about XXXX not providing corrected or timely copies of my report to me. Therefore, this complaint is about TransUnion 's failure to provide me with a copy of my report in response to my request for one as described. I received a non-specific form from somewhere in XXXX ( XXXX again? ) demanding my social security number in order to get my free copy of my Trans Union report. No credit agency is allowed to keep, use, store or provide my social security number to XXXX parties. I have not granted TransUnion this permission and will not, given that its interest in making money off of my personal information is contrary to my interests. Moreover, I have lived at my present address for over a decade and Trans Union has sent copies of my report to this address during this time. Although I supplied my birthdate on the form, as noted in my pending complaint against XXXX, however, it illegally maintains a false birthdate for me and has refused to investigate it, to remove it, or even to reveal the source of it to me so that I can take corrective action. So, possibly, XXXX illegalities concerning my birthdate, may also be preventing me from getting a copy of my credit report from Trans Union. But for whatever, secretive reasons, TransUnion has not provided me with a free copy of my credit report, despite the fact that I requested one.
Product: Credit card or prepaid card

I've paid off my balance but I still get charged interest. When I called in on XX/XX/XXXX, both agents told me that in order to avoid interest charges moving forward, I need to pay off my balance which I assured them that I would. I did that and still got charged interest.
Product: Checking or savings account

My father XXXX XXXX XXXX passed away XXXX XXXX and he had a joint account with his girlfriend XXXX XXXX. I was able to close is personal account as soon as I had the death certificate but not the joint account since XXXX was still alive. But unfortunately she could not take my father off the account with out me since they were not married and she was unable to get his death certificate. So I was willing to go down with her to take him off. But unfortunately she kept putting it off and she had passed away two months later. I was told by Wells Fargo the account can not be closed unless both next of kin were present with both death certificates and IDs since they were not married and there was no Wills or Trust. If no one agreed on who got what we were told we had to take it to court which no one had done. I had been trying to close this account for months and kept getting the run around from the bank. I even had a letter from the bank stating both parties must be present. I was just recently told the account had been closed by XXXX 's son and that was that. When I called the bank they couldn't give me any information over the phone so I went down and was given the run around several times. When I finally was able to talk to a manager they said they don't know why it was closed and since it was closed they would have to have the XXXX department call me by XX/XX/2023. Well here it is Thursday XX/XX/2023 with no call no explanation. I need an answer on why this has happened with my fathers account. I am the only living child of my fathers so no one is able to get anything legally but me.
Product: Credit card

My husband has had our Discover card for 21 years and has an exceptional XXXX of XXXX years is being charged a 17.24 % APR.
Product: Checking or savings account

On XX/XX/2022 my husband received a call that appeared to be from XXXX XXXX  XXXX. The person on the line stated he was a representative from XXXX XXXX  XXXX and that someone had set up a XXXX account in his name in the amount of {$15000.00} and that he had XXXX minutes to rectify the issue by setting up a XXXX transfer in his name, my husband, to TD Bank. The person was real professional and very convincing. Since my husband was very busy, we had customer 's coming into our store plus our field techs returning he handed me the phone. Again, this person was very professional, giving out names of supervisors at XXXX XXXX XXXX, etc. I followed his instructions and did XXXX XXXX transfers from XXXX different accounts under our business name to an account at TD Bank under my husband 's name. Total amount of the transfers was {$12000.00}. This person kept reassuring me that this was legitimate through XXXX XXXXXXXX XXXX, caller ID on the phone said XXXX XXXXXXXX XXXX and we would receive the money back within a few hours. Transfers were made. 

Unfortunately, the money was gone from our accounts and there is no option to stop payment or cancel transaction. We filed a claim with XXXX XXXX XXXXXXXX and it was denied because they transferred the funds to TD Bank per our instructions. How was someone able to go to TD Bank and set up an account in my husband 's name with no identification. We also filed a police report with our County 's Sherrif Department. According to XXXX XXXXXXXX XXXX they forwarded our claim/complaint to TD Bank but we have not heard from them. 

The account at TD Bank where the money was transferred to was opened under the name of XXXX XXXX. Since the account at TD Bank was opened up fraudulently, we do not know the account number.
Product: Debt collection

There is a medical debt on my credit report, with the collection agency being noted as XXXX XXXX, with the debtor being noted as XXXX XXXX XXXX. It is noted that this account was opened on XX/XX/XXXX in the amount of {$980.00}. 

I was not even living in Pennsylvania in XX/XX/XXXX, I was living in XXXX for the first few months of XX/XX/XXXX then moved to XXXX in XX/XX/XXXX. There is absolutely no way this debt is mine. Furthermore, I have never been to XXXX XXXX XXXX nor have I ever received a bill from XXXX XXXX XXXX. 

I submitted a complaint with XXXX  and they did not remove this from my report. They stated that the debtor validated this debt, even though I told XXXX when I submitted the complaint that I have never been to this hospital. 

XXXX did a terrible job of investigating this claim.
Product: Credit reporting or other personal consumer reports

I have noticed i have has alot of inquiry on my credit reports for XXXX, equifax, XXXX, that i have not authorize any of these companies to obtain a copy of my report. here are the companies and dates they pulled my credit. this is on my XXXX  credit report 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 Here is what i noticed on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. i did not authorize these companies to run my credit at all and definitely not multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The Items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason yesterday, XX/XX/2021, and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I have funds amounting to {$560.00} ( gross amount ) that are on hold for 180 days. I just can't believe that PayPal hinders me from withdrawing my own money. My email linked to my PayPal is XXXX Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to Experian, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating the inaccuracies on my credit report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 

2. The date of last activity you are reporting for the below accounts dont match my records. 

3. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. 

The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections/Derogatory marks. 
XXXX XXXX XXXX XXXX XXXX In accordance with fair credit reporting act, they have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681