23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/scrub>XXXX  2024 - My income recertification date is listed by Mohela as being due by XX/XX/2024. Department of Education has published guidance stating that if your listed recertification date is prior toXX/XX/2024, it will be pushed out by XXXX year. I called Mohela multiple times requesting that my date be adjusted by XXXX year, as indicated in public guidance. Mohela refuses to make the change every single time. 

XX/XX/scrub>XXXX  2024- I receive an email from Mohela threatening that if I do not submit my income recertification by XX/XX/2024, I will be placed on a standard plan for {$400.00}. My payment at this time is {$110.00}. 

XX/XX/scrub>XXXX  XXXX, 2024 - I submit my recertification documentation due to Mohela 's intimidation, despite this being prior to XXXX XXXX, 2024. I switch to the XXXX plan at this time, as the XXXX calculation is {$290.00}, and my current XXXX plan is listed as over {$400.00}. 

Late XXXX  2024- Department of Education issues new guidance confirming that dates prior to XXXX were supposed to be extended. In the event that borrowers recertified early, the payment would be reverted to the previous amount. 

I have repeatedly called Mohela asking that my payment be reverted to the previous amount. They have refused almost every time, despite the guidance. I have been told any number of things - one rep submitted a new application that was immediately denied. One told me that I can not return to my previous payment because I switched plans. I pointed out that my previous plan would have been double - why would a borrower choose a more expensive plan? The guidance is silent on this issue. 

I have submitted multiple FSA complaints which are closed out after XXXX  months, with no helpful information or answers to my questions. I have submitted a complaint with the XXXX Attorney General, which Mohela has not answered. I have submitted a congressional inquiry and received no further communication from XXXX XXXX XXXX office. Department of Education remains silent and complicit in allowing Mohela to skirt the guidance. Often, Mohela points me to FSA, who points me back to Mohela. An endless dance with no answers or resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

we disputed public record of bankruptcy filed XXXX2009 credit bureaus claim account was verified. the court does not submit, furnish any info to any credit reporting agency. thus the credit bureaus are reporting data that is unverifable, inaccurate and were untruthful of how they conducted an investigation. 

additionally the age of said account is reflecting over 10 years which is beyond the reporting standards per the FCRA which places all the credit bureaus in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions Account Name : XXXX XXXX Account number XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They stole my identity and took out 4 cars in my name without me being there, in states that I'm not like New York and New Jersey, I only own a single car and it's a white XXXX XXXX XXXX, the other cars are a fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter to the credit reporting agencies requesting a validation of the debt showing on my consumer report from XXXX XXXX XXXX. I have not received any response from XXXX, XXXX or Equifax. In my letter, I mentioned that I have no knowledge of a debt that is owed to XXXX XXXX XXXX. I have reached out to XXXX XXXX XXXX as well on XX/XX/XXXX requesting that they validate the debt by providing the verification of debt, Proof of assignment, complete payment history, as well as Proof of License and Bond, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have not received any response from XXXX XXXX with regards to my direct request. Since i was unable to receive this information from XXXX, it was my hope that the Consumer Reporting Agencies would be able to provide the same to me since they have the information posted on my report and must only report verified and validated information per FCRA Section 611 and 15 USC 1681s-2. I have attached the XXXX and the XXXX letter. The XXXX and Equifax letters stated the same.
Product: Credit reporting or other personal consumer reports

I hereby formally request, via postal communication, the disclosure of all information and correspondence held by Experian. It has come to my attention that Experian maintains a position asserting exemption from compliance with the stipulations delineated in the Fair Credit Reporting Act, specifically in 15 USC 1681 section 602. 

As a consumer, I assert my entitlement to privacy. Notably, XXXX has taken corrective action by closing the account in question subsequent to my notification of the impact of their breach on my credit report. 

I request Experian to emulate this course of action promptly and deactivate the affected accounts in response to the data breach.
Product: Credit reporting or other personal consumer reports

I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.
Product: Debt collection

I keep getting calls from some company named XXXX and theyre telling me I owe them {$2400.00} from a TD bank account. I do not owe them anything and I have a XXXX credit score. I pay my bills on time ALWAYS. Theyve used aggressive language with me too and have been rude. In addition, theyve violated the law by calling me 3 times in a single day which is against the law for collecting a debt. In addition, this is 95 % a scam because when I ask for a bill they decline to send me it and ignore my request. The caller is calling from a XXXX number claiming to be from XXXX which XXXX is a XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, Synchrony Bank conducted an investigation which proved the XXXX XXXX XXXX XXXX issued by them was a fraud, and the letter they sent me that I sent to XXXX stated as such and that the account was removed, cleared my responsibility, and notification to the three credit bureaus. However, XXXX refuses to remove the hard credit inquiry because it only lists the account as fraud, which makes zero sense because the account being opened required a credit check that caused the hard credit inquiry. I contacted Synchrony Bank, and they refuse to send a new letter stating permission to remove the hard credit inquiry because they have a " we issue only 1 letter '' rule.
Product: Credit reporting or other personal consumer reports

I am filing against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. sec 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. sec 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts marked inaccurate : 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
Product: Credit reporting or other personal consumer reports

I was denied an account with a credit union because of the number of different names attached to my credit report file with Experian. 

Experian has a number of different spellings and variations of my name and XXXX totally different name. 

I filed a dispute advising that the information was incorrect and needed to be corrected seeking also the source of these mispellings and wrong names. 

Experian response to the dispute was that they would not remove it. I do not know where the information came from but I know what my name is and the only name that I have ever gone by is my legal name XXXX XXXX XXXX which is spelled XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX XXXX on the phone in 2016 and agin in on my last phone interview with XXXX XXXX.

I was told that the late payment in XX/XX/2016 would be removed if I filed an dispute.

I was told both the call were recorded.

Please, have the fraud department audit the calls and remove the late pay.

I also tried to pay the amount due the week of the charge and was told I could not pay until it posted.

The above was at the XXXX Customer Service Department on the week of the Charge. I called the # on the Card.
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you promptly. I am writing to express my concern and frustration regarding the unresolved issue of the late opening of my account with Credit Bureaus. Despite my previous attempts to address this matter, it remains unresolved, causing significant inconvenience and frustration. 

I initiated the account opening process, and as of today, my account is yet to be activated. This delay is impacting my financial planning and causing undue stress. 

Details of my account application are as follows : Expedite the process of opening my account and ensure its activation at the earliest convenience. 

Improve communication channels to keep me regularly informed about the progress made and the expected timeline for account activation. 

Given the extended delay and the inconvenience caused, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand that unforeseen circumstances may contribute to delays, but the extended nature of this situation is causing considerable distress. 

Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the resolution. If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to correct these late open accounts in my credit file : OFFICE OF THE ATTY GEN XXXX Balance : {$7800.00} ; ATTYGENERL XXXX Balance : {$8100.00}.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/2019 Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/2019 has violated my rights. Or 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 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: Debt collection

XXXX XXXX XXXX XXXX had this account during the statue limitations. XXXX financial systems has put different dates on a XXXX credit bureaus when the account was purchase and forged payment on my account to keep the account open. The payment has rise from XXXX XXXX. XXXX and Citi Financial has put and double jeopardy on the credit trying to collect from the same debt. XXXX XXXX has given me numerous dates of when they purchase my account and I have the dates infront of me when I call about every letter I have receive for XXXX XXXX within the 6 years and more about this account .This account is also past the statue of limitations. XXXX has been acquiring contacting the credit bureaus using my social security number.
Product: Checking or savings account

my bank XXXX payment to XXXX card an unauthorized amount of XXXX let them know on XX/XX/XXXX of the problem and they informed me that they could not do anything until the check did not enter and they told me to come back when they charged it and when I returned on XXXX the day they charged I was told in very bad way that they could not do anything, then the supervisor agreed to fill out papers to make the claim to the XXXX then I returned and they told me that the paper they filled was not correct and they filled another and today we are on XX/XX/XXXX and XXXX do not inform me anything. Please I need your help. Thank you
Product: Credit card

In XX/XX/2024, I applied for an Amex EveryDay Credit Card through their website, which at the time advertised a 0 % introductory interest rate for the first 15 months. I started using the card, and at the end of XXXX, I noticed interest charges. I reached out to American Express, or Amex, to understand why I was being charged interest while still within the introductory period. 

Their response was that I had been approved for the card without the promotional benefits, such as the 0 % introductory rate. After some back and forth, I requested a copy of the agreement I consented to when signing up, which should include all the terms I agreed to at that time. They informed me that they do not have a copy of this agreement. 

Its unacceptable for a large company not to have a digital record of the terms to which a consumer agreesespecially since the terms theyre now citing differ from the 15-month 0 % introductory period advertised on their website. In the end, I asked if it were possible that an error, either human or technical, had occurred. The representative essentially responded that no errors were possible and that they were never wrong. So, its my word against theirs, with no evidence they can provide, yet they are still charging me interest. I dont believe this is acceptable.
Product: Credit reporting or other personal consumer reports

On the morning of XXXX I awoke to a XXXX XXXX  notification that there was a new inquiry on my credit report. Confused, I opened it up before the fog left my eyes. It was logged that a CB Indigo had put an inquiry on my credit report. Rather panicked, I looked up what CB Indigo is & I gathered its a XXXX issued by a XXXX XXXX  in Utah. I have zero ties with Mastercard, XXXXXXXX XXXX or Utah, for that matter. After requesting more information from XXXX it shows that the information entered on the inquiry is vague & outdated. In fact, the address connected to my XXXX is outdated, but the address on this inquiry dates back to when I was living with my grandparents, roughly when I was XXXX. I contacted this CB Indigo customer support around XXXXXXXX XXXX XXXX XXXX to discuss the issue, but the lady seemed rather confused with my problemShe began asking for an application number, which I was unable to provide as I had never applied. She pointed me in the direction of XXXX, but I called pretty late in the morning, so the wait time was rather long & I had to prepare for work. So I called again this morning ( XXXX ) & was redirected to the FTC, which redirected me here ( CFPB ). 

Bottom line : -I never authorized CB Indigo  to access my credit report. 
-The information for this CB Indigo is outdated as the TWO listed are incorrect. 
-I would, at this moment in time & the foreseeable future, NEVER apply for a credit card that has annual fees as I am the sole provider to my wife & two kids XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & only now am I barely recovering financially from the down time of the operation & regaining financial cushion. 

The inquiry has come from an unknown source, not by me. Please help get this fixed as soon as possible I am the one with the good credit score in my marriage & my family relies on that score for the future. I have never had a late payment, or done anything that may affect my credit negatively.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX  Failure to perform an investigation per fcra regulation FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX  Failure to perform an investigation per fcra regulation FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX  Failure to perform an investigation per fcra regulation
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. I told XXXX, transunion y XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.
Product: Mortgage

I am writing in an effort to get my mortgage servicer, and by extention, my PMI provider, to automatically cancel my monthly mortgage insurance premiums. I have been in touch with AFR-American Financial Resources on many occasions over the past several months. Initially to request that my PMI be cancelled once my LTV reached 80 % and then, because they were making my life so difficult, I decided to wait until it would be automatically terminated. Or so I thought. My understanding is that, as long as my account is current, and my payment history has been clean, and my Loan to Value ( LTV ) breaches 78 %, the PMI is required to be terminated immediately. I called at the point that it reached 78 % and was told many reasons why it was not applicable. One representative told me that I had not reached the chronological midpoint of my amortization schedule, and that until that happened I would not have the PMI automatically cancelled. Another told me that they received some indication that the value of my home had decreased in value from the point I had taken the mortgage, and for that reason I would not be able to cancel or terminate the PMI. My understanding of the Federal Law is that once I breach 78 % LTV ( it is now 75 % ) they are obligated to terminate immediately. I do not believe either of those reasons are relevant in this case. Those are items that come into play if I am requesting that my PMI be cancelled ( at LTV 80 % ) My fear is that this is not an isolated incident, and that many other folks are having the same experience, perhaps less able to pay this unfair and added charge, Even if it turns out to be 1, 2, or 3 additional payments past the 78 % LTV mark, if you consider the number of potentially affected mortgages, we could be talking about tens of millions of dollars in unwarranted payments. Thus the size of this potential windfall might be a motivating factor in delaying the required termination process, which of course sets up the possibility of a class action offense. There is much more detail that I could provide, and several unkept promises from the service desk during this unending process, but the information mentioned above are the key facts.
Product: Credit card or prepaid card

I have 3 credit accounts with Navy Federal Credit Union. 2 credit cards and a car loan. I was one day late on one credit card and they way Navy Federal 's online account works, it forced me to pay double and it forced me to be one day late on another credit card and pay double the minimum payment as well. 

As soon as you are one day late paying your credit card, Navy Federal locks you from accessing your account online. It takes you to a screen that forces you to make a payment, you can not navigate away from this screen to pay other Navy Federal Accounts. One day late and my payment went from {$480.00} to {$990.00} instantly. Since I was locked from paying my other accounts, this forced my 2nd credit card to go one day late and making me pay double the minimum payment on this account.

This is very deceptive and can hurt consumers.