23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have nearly {$200000.00} in federal student loans from my medical school education. My loan servicer was initially XXXX. I started repayment in 2014 after graduation from medical school. 

When my loan servicer was changed to Mohela, my repayment history ( 7-8 years! ) from XXXX was not carried over. 

Ive called and messaged Mohela repeatedly regarding this- they've sent me documents via email and USPS that they say are my repayment history but are very clearly NOT my loan documents ( ie another customers name on the document, the date of repayment before 2014, loan total amount {$7000.00} ). 

No one can seem to track down my repayment history. As I am now nearing PSLF ( I qualify! ) it is critical that my repayment history is accurate and accounted for in Mohela- we are talking about a nearly XXXX XXXX  mistake if not! 

I have planned my career around PSLF- taking jobs at public university to ensure my eligibility for loan forgiveness, rather than taking potentially more lucrative work in private practice.

This must be corrected, and urgently. Mohela has been of absolutely no help.

I've attached a document sent to me that is NOT my loan repayment history
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX, 2023, I sent out a dispute letter about inaccurate information about myself. There are collections that are open and also showing past due of a balance of {$3700.00}. I understand that this is a violation and I wanted to reach out to them about this information.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 I opened a Citi Priority checking account after multiple digital and physical mailer offers by CitiBank for a promotion of 50,000 Thank you Points. See attached. 

On XX/XX/2020 I received a letter from CitiBank that my account has been terminated from the Fraud Prevention department. See attached. 

This is the third time CitiBank has closed my account after opening. None of these times have they been able to provide a reason for closure. Fraud is an extremely serious case and the account holder is entitled to an explanation. I am willing to clear any matters related to Fraud. If another has opened an account in my name, then that is illegal and the authorities need to be involved. Nevertheless CitiBank is unwilling to resolve the matter. 

It appears I have been blacklisted by CitiBank for reasons they are unwilling to provide and I am unable to remedy. Furthermore it is highly irresponsible to send an offer to an individual only to recall it afterwards. The monies in the account have lost value and could have been used elsewhere. This has also wasted time and resources of all involved, including the Citibank and CFPB.
Product: Credit reporting or other personal consumer reports

transunion has not complied with any of my requests. Other agencies such as XXXX  and XXXX has deleted the information stated in the attached as it was inaccurate but transunion refuses to follow. This will lead me to litigation.
Product: Credit card

Ordered new Drivers License in XXXX. Didnt receive in mail. Have screenshots of XXXX XXXX posts where many in community are reporting mail theft and mailbox break ins in the general area. Screenshots include an existing case number. Ordered 2nd DL from XXXX in XXXX, I have email communications, and received 2nd DL in XXXX. 

Received multiple pieces of mail XX/XX/XXXX advising of fraudulent use of my DL and identity. Have already frozen credit bureaus and placed fraud alerts to prevent/stop future applications. In the process of reviewing credit reports to continue disputing all fraud/ID theft. Also filed report/complaint with the Federal Trade Commission XXXX FTC ) While reviewing credit reports found the following ID theft/fraud events - XX/XX/XXXX Fraudster tried to apply for employment at XXXX XXXX XXXX on XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX 
- XX/XX/XXXX Fraudster used DL/identity online for pre approval of an auto loan via capital one on. I contacted XXXX XX/XX/XXXX and application reported as fraudulent and closed. 
- XX/XX/XXXX fraudster applied for CC at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX presented DL and received real time approval. Made fraud purchases totaling XXXX. I reported fraudulent application/account on XX/XX/XXXX - XX/XX/XXXX Fraudster applied in person at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX beside the XXXX # XXXX at XXXX CT and was declined. I reported fraudulent application/account on XX/XX/XXXX - XX/XX/XXXX Fraudster attempted in person application at XXXX XXXX and was denied. I reported fraudulent application/account on XX/XX/XXXX Have called all known unauthorized creditors at this time and have reported accounts as fraudulent and related to ID theft. Each creditor has advised they are starting their own fraud review processes and are reporting the fraud to the Credit Reporting Bureaus to remove from credit history.

Called to get it closed out and reported as fraud. Account never closed and the fraud report was closed out due to it being opened in person. 

I told the person I originally reported it to that it was done in person with a stolen ID. 

Now I have collections calling because theres a balance. The person even made a payment but they will not provide me any info about the number it was called in on and the bank that wired the money. 


I will not touch the account because I do not know if the account used to pay the balance on the card is a stolen account. 

Opened up police report The detective also contacted the XXXX XXXX # XXXX and was able to get the footage of the person who opened the account and we have confirmed it is no one we know and not me. 

The detective that is currently working the case was able to pull the photos and we have confirmed that it was not me. 

XXXX XXXX financial crimes unit - Case : XXXX Financial crimes detective number- ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Student loan

Due to the COVD-19, I was seeking financial assistance to help with school loan. My XXXX  is closed and work is closed as well. So I called on XX/XX/20 to seek options available. But they didn't offer any solutions and customer service was awful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that I DO NOT RECOGNIZE and believe it to be fraud. I have tried to call Citibank, both the savings/checking and the credit card customer service numbers to inquire. They can not locate the account with the SSN I am providing them. On my credit report it is tilted CITCARDS CBNA # XXXX with a balance of {$23000.00}. This transaction did not show up on my credit report until XX/XX/2019. Please help! I am in the market to buy a home as a first-time home buyer and I can't believe I have to deal with this when I've done nothing but keep my credit as good as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a loan and need to unfreeze my account at Experian. I have called 10-15 different numbers listed on XXXX as well as logging into my account on Experian. The Experian website is as close to no help as any website I have visited. Even when logged in there is nor readily identifiable way to go to the the section to unfreeze you account. They only hype unlocking you account, which is a fee based action, and do not show a way of getting to unfreezing. If you go to questions and answers they talk about the differences between unlocking and unfreezing, but there are no links to either. If you search on XXXX to unfreeze your account you can find an area within Experilan to accomplish the unfreezing. Unfortunately you need to know your pin number to accomplish it. They do have another part of their website where you can request your pin online. Unfortunately, after filling out their form it comes back and says we can't provide the number. You will have to provide 4 or 5 pieces of identity to them by mail to Texas. That obviously will not be timely to obtain a loan. 

At all of the numbers I called there was not one that offered the ability to talk with an individual to resolve an issue. I have had to do the same thing with XXXX XXXX and XXXX  and both of those companies have access to persons by phone to resolve problems and in fact in both cases individuals were able to resolve issues and unfreeze my credit reporting. 

The level of assistance Experian provides, together with the power they have over financial transactions, is completely inadequate and they should be held accountable for their lack of service. I believe that they should either be forced out of business or required to provide meaningful service to their " customers. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, AMERICAN EXPRESS Inquiry : XX/XX/2023, XXXX XXXX : XX/XX/2023, XXXX XXXX Reported : XX/XX/2023, XXXXXXXX XXXX XXXX Reported XX/XX/2023, XXXXXXXX XXXX XXXX  Reported : XX/XX/2023. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Credit reporting or other personal consumer reports

My credit score has dropped due to an inaccuracy on my credit profile. XXXX XXXX XXXX reported that I was late in XXXX, but I have provided documentation to the credit reporting agency proving that I was never late. My XXXX credit card statement clearly shows that I made a payment at the branch on XX/XX/year>. Can someone explain how I received a 30-day late mark when it is evident that I made my payment on time? This error is negatively impacting my credit score, which is affecting my career and insurance, as everyone is seeing this late payment and how it has lowered my score.
Product: Credit card

Best Buy notified me today stating that there was a letter due XX/XX/XXXX. There was no letter there. An old letter there from XX/XX/XXXX to XXXX. Also XXXX and XX/XX/XXXX I paid {$50.00} by the time XX/XX/XXXX Best Buy were demanding {$600.00} from me with a {$3300.00} payment that I owe. Where did that come from? I see no statements for XXXX or XXXX, which is very suspicious. When I look on their website, there is no payment for {$3300.00} Thats suspicious. My email does not reflect a thank you confirmation for the payment. Only XXXX then it skips to XXXX confirmed payment. Thats is suspicious. No activities around those dates of XXXX and XX/XX/XXXX. I need an investigation on this.
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 : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this because XXXX XXXX XXXX  received a Billing Error Dispute notice from me dated XX/XX/2022 to both addresses provided by them at XXXX XXXX XXXX XXXX XXXX XXXX California, XXXX and XXXX XXXX XXXX, XXXX XXXX, Nevada, XXXX. Attached is a copy of the Billing Error Notice and other correspondence between myself and XXXX XXXX XXXX. 
Documentary evidence required to resolve a Billing Error dispute must be accompanied by the general ledger in accordance with the Generally Accepted Accounting Principles and signed by the person responsible for maintaining the ledger. Federal Rules of Civil Procedure, Federal Rules of Evidence, Rule 1002 states that I am entitled to the original. 
My recent Equifax, XXXX, and XXXX consumer reports show that neither of you three properly investigated the accuracy or validity of the information before being furnished and reported. This account should be reporting as open, current, with no late payments, zero debt utilization, zero past due, and paid as agreed. 
Not taking the time to conduct a proper investigation, as required by the Fair Credit Reporting Act, before allowing false and prohibited information to to be furnished and reported on my behalf has caused my reputation to be tarnished and my character defamed especially since your scoring system is based on my transactions and experiences. A few examples of my transactions and experiences are my payment history, credit limit, and debt utilization. Since all of those factors I listed affect my credit rating and score you are all currently aiding and abetting XXXX XXXX XXXX  in committing fraud and extortion. By advertising this alleged debt to me and or any other person through any means, including but not limited to a consumer report, you all may be participating in debt collection practices and acting as financial institutions. Advertising this alleged debt, which directly affects my credit score and rating, is an indirect way of helping to collect the amount of the alleged debt from me by coercing payment to XXXX XXXX XXXX. 
However I do comprehend that sometimes things get overlooked, mistakes are made, and errors happen. Equifax, XXXX, and XXXX, please take the time to thoroughly investigate this account and gather all the lawful documentation needed to resolve this issue. Please send me copies of all information and documentation used during this investigation to my current address. As previously stated XXXX XXXX XXXX  received a Billing Error Notice and this account should be reporting as open, current, with no late payments, zero debt utilization, zero past due, and paid as agreed. The disputed amount in the billing error notice may have increased since the date of the notice but does not change the fact that my account should be reporting as open, current, with no late payments, zero debt utilization, zero past due, and paid as agreed.
Product: Credit reporting or other personal consumer reports

SUBJECT : Identity Theft and Faliure to comply with Federal Credit Reporting Laws.

I am a victim of identity theft, directly resulting from the Equifax Data breach in XXXX. On XX/XX/XXXX, I discovered multiple fraudulent accounts and inquiries on my credit reports from Experian, Equifax, and TransUnion that I did not authorize or open. These accounts are directly tied to my compromised personal information. Despite my repeated efforts to resolve this issue, the credit reporting agencies ( CRAs ) have failed to remove the fraudulent items, violating multiple federal statutes, including : 1. 15 USC 1681c-2 : Failure to block fraudulent information within 4 business days of receiving my dispute and supporting documentation. 2. 15 USC 1681b : Unauthorized sharing of my personal and financial information without permissible purpose. 3. 15 USC 1692g : Failure to provide written noti
ce of alleged debts within 5 days of reporting.

4. 15 USC 1681n and 1681o : Willful and negligent non-compliance with the FAIR CREDIT REPORTING ACT ( FCRA ).

5. 26 USC 6050p : Failure to provide proper
validation of an alleged debt, including evidence of cancellation or discharge via FORM 1099-C, if applicable.
Product: Credit reporting or other personal consumer reports

Below is a list of hard investigations not authorized by me : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}
Product: Debt collection

I looked on my credit reports and noticed that I have a collection account on all my XXXX credit reporting company with this information : NCA Balance {$250.00} Opened XXXX XXXX, XXXX Account Status Open reported : XXXX. XXXX, XXXX I do not owe this company money and I sent them a document ( see attached ) but they never responded. I will also request through the CFPB that the company sends the original purchase agreement with my signature on it.
Product: Mortgage

My wife and are currently in the middle of a loan modification work out with Select Portfolio Servicing. We have been resubmitting all of the same paperwork for the last two and a half years and we still ca n't get a closure from this lender. 
Now our loan is being transferred to a new servicer on XX/XX/2016 and SPS our current servicer put a foreclosure sale date on our property of XX/XX/2016. 
Hears the unethical business act that SPS is doing to us, we are currently in the loan modification workout dept. 
We really need help stopping our Foreclosure Sale Date on XX/XX/2016. We have followed every request and guideline from SPS and now we are going to lose our home because of the lack of knowledge and again the unethical business practice that SPS feels they can get away with and nobody will file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is reporting inaccurate information to my credit file associated with trade line XXXX XXXX ; Inaccurate open date. I didn't receive enough information to verify the debt.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures online with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

IT'S absurd how this is! This account is unknown to me. Why does it show my credit report? This account has to be verified, please! I am not under any obligation to this account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX