23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Afni has sold a collection that was formerly terminated and removed from my credit report. I received another letter from a debt collector for this unproven debt. I have submitted and sent off several letters which I can provide if needed and this is still not rectified. This company needs to leave me alone as I have no outstanding bills for XXXX XXXX XXXX. I am currently with XXXX XXXX XXXX now and my services are up to date. This collection should be completely seized and this company should not reach out to me any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to GM financial account number XXXX I have filed complaints with GM, XXXX and XXXX. About the account. On XX/XX/2022 all XXXX places came back telling me the information will remain on my credit report and will not be change citing that they are all reporting it accurately. This however is in fact a lie and is being falsely reported on my Credit profile. I have attached here to a copy of the final payment along with details of when GM cashed the payment. The date is listed as XX/XX/2022, a month before they sent back findings that they are reporting correctly and there is a balance owed. All XXXX of the mentioned clearly did not do an actual investigation or provide accurate findings. They simply reply ex that it was correct just to close out the complaint so they didnt need to be bother with it
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am asking you all to help XXXX with these accounts on my credit that are not mine. This is my second time reaching regarding this. Now some of the accounts did come off but there is still 2 accounts on there XXXX/XXXX and XXXX XXXX XXXX . There are also several inquiries on there that I know nothing about XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX 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 US SM BUS ADMIN ODA, XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX. I'm also confused also on why there is a bankruptcy on my credit. I called the XXXX XXXX XXXX XXXX XXXX  Court and they said they was not able to locate a bankruptcy with my social. They also stated that there is not way it should be on my credit because there is not one. She told be to call some place called XXXX XXXX and they also said the same thing that they were not able to locate a bankuptcy with my social security number.
Product: Student loan

I was transferred to MOHELA right after payments started due to the PSLF application. 

On XX/XX/XXXX, a message from MOHELA showed a due date of XXXX On XX/XX/XXXX, I sent a message asking about repayment schedules and due dates for a newer loan that was in grace. 

On XX/XX/XXXX, a message from MOHELA showed a change in my due date to XXXX. 

On XX/XX/XXXX, I submitted a complaint because MOHELA changed my payment due date without permission. The same day, I requested for XXXX of my loans to be placed on a different repayment schedule. 

On XX/XX/XXXX, I got a message from MOHELA in response to my message on XX/XX/XXXX stating I had to call customer service to change my due date and to change my repayment plan. The message stated that this was due to the complex nature of my inquiry. 

On XX/XX/XXXX, I sent another message asking to have this loan be placed on a particular repayment plan. 

On XX/XX/XXXX, I got a message back saying the plan would not qualify for XXXX and that I had to call MOHELA to make the change, so I did. I waited forever and never got ahold of a customer service representative and gave up. 

On XX/XX/XXXX, I messaged MOHELA again, stating I understood but still wanted that loan on the plan I requested, and I stated I did call customer service and got nowhere. 

On XX/XX/XXXX, I got back a response saying that a request to have my loans applied to the same payment plan was still processing. I do not know what this means or what they were talking about because I never requested this. 

On XX/XX/XXXX, I sent a message stating I was still waiting for my repayment plan to be changed ; on XX/XX/XXXX, the response I got was to call customer service due to the complex nature of my inquiry. 

Finally, on XX/XX/XXXX, I messaged MOHELA about putting my loan on an Administrative Forbearance while they finished doing whatever they were doing to my account because my request was not be processed. However, they were still processing something I did not request. 

I messaged again on XX/XX/XXXX requesting a forbearance until they were done messing with my account, and I got a message back on XX/XX/XXXX stating that my loan was past due, and I again was told to call customer service. 

I submitted XXXX complaints to studentaid.gov. XXXX was submitted on XX/XX/XXXX, and the other was submitted on XX/XX/XXXX, and it just says pending. I haven't heard anything about them, and nothing is being done while my account is overdue. I started this way before my loan came into repayment, and MOHELA has refused to cooperate.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Subject : Dispute & Request for Immediate Removal Dept. of XXXX XXXX XXXX Dear XXXX XXXX Department XXXX Equifax, XXXX I am disputing the reporting of a Dept. of XXXX student XXXX account on my credit report. This account was illegally disclosed without my authorization and should be immediately removed due to violations of the Fair Credit Reporting Act ( XXXX  ) and the Family Educational Rights and Privacy Act ( XXXX ). 
Account in Dispute : Dept. of XX/XX/XXXX Account # XXXX Legal Violations & Consumer Rights Breach : XXXX. FERPA Violation ( XXXX XXXX. XXXX ) : My student loan records are federally protected educational records and should not have been disclosed without my explicit consent. 
XXXX. Unauthorized Third-Party Access XXXX XXXX XXXX XXXX XXXX XXXX student loan information was accessed by unauthorized third parties, including XXXX and XXXX XXXX XXXX which is a violation of my privacy rights. 
XXXX. FCRA Violation ( XXXX XXXX. XXXX ( b ) ) : You are required to verify the accuracy of reported information. The continued reporting of this unverified loan makes its presence on my credit report inaccurate and unlawful. 
Demand for XXXX XXXX : XXXX. Immediately delete this disputed student loan account from my credit report. 
XXXX. Provide written confirmation that this account has been removed. 
XXXX. If you refuse, provide a full investigation report proving I authorized this reporting. 
I expect a written response confirming this dispute has been resolved within XXXX  days. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Last XXXX of XXXX : XXXX ________________________________________
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XX/XX/2022 to get my minor son 's credit file frozen. The first time, I received no response from the company at all. I have called them for assistance at least XXXX times. I have faxed in all documentation at least XXXX times. And I have mailed them all documents at least once ( I think actually twice ). I have also faxed them explaining the situation and asking for someone to call me back and have received no response. The past XXXX times I have only received a form letter asking me to submit all of the information again. 

In summary- Equifax can not answer any questions about my son 's file over the phone. They send form letters asking for information already submitted multiple times and say that no one can call me back to explain the issue. The last person I talked to over the phone said that possibly one of my documents was illegible, but this would be the fourth, if not fifth, time that I have sent all of the information in. I am quite frankly not wanting to expose my son to identity theft by stolen mail by AGAIN sending copies of his SSN, etc. into them. This whole issue was started by social security information about my other child stolen from our mail route. And now Equifax refuses to place a freeze to protect my son 's identity or credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement XXXX  days earlier. Below is the list of the disputed accounts. 
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 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
Product: Credit reporting or other personal consumer reports

I was just looked at a update version of my credit report, XX/XX/2024 and found some addresses that appear to be incorrect. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not my address nor do i have any association with this address cant receive correspondence and mail at this address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Experian continue to report my name, my address and phone number incorrect on my credit report. 
After multiple phone call speaking with a live agent agreeing to update my personal information dispute after dispute no changes have been made but I also Attached my letter that | sent back on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX pulled my credit report without my consent on XX/XX/2019. I specifically told them to not do a hard pull on my credit when I applied because I was just trying to see how much I would qualify for based on my income and I knew I was about to apply for a new mortgage. I again reminded them via email to NOT do a hard pull, so 2 requests. These requests were ignored, and the loan officer never even mentioned that she had pulled my report. After waiting an extended amount of time, ( longer than it would take to even get a mortgage ), for any communications from this loan officer as to how much I would qualify for ( despite having sent 2 years taxes ), I emailed her and told her I was not interested in a loan from that company. 

While in the process of checking on my credit prior to applying for the mortgage I saw the credit pull from XXXX XXXX XXXX XXXX. I emailed them and requested redaction of this credit pull since it was done without my consent. I received no response. I emailed a second time to say I would report them to CFPB and again, no response. 

I am not a difficult person to deal with, and I myself am a Colorado licensed XXXX XXXX XXXX, so I know how this works. It baffles me that this bank was so hard to do business with on every level - unresponsive in both my attempt to get a car loan and disregard for my threat to report them. They don't seem to take any aspect of their business seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

15. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX XXXX Account Number : XXXX  This is not mine. 

18. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

someone stole my information to apply for loans account - XXXX XXXX in the amount of {$1000.00} opened on XXXX
Product: Student loan

On XX/XX/year> I scheduled a payment for my student loan payment that was due on XX/XX/year>. I scheduled the payment to be processed for XX/XX/year>. On XX/XX/year> the money was withdrawn from my account. Today, XX/XX/year>, I receive an email from XXXX reminding me that my payment is due on XXXX. I thought to myself that is odd since I already paid it. I try to log into their website and nothing is there - literally nothing- except a note that Im  transitioning to their new platform. I go make an account on the new platform and sure enough it says I owe for XXXX ( again this has already been paid ), there is XXXX payment history. So now what are my options? Hang on the phone with them for hours while I need to be working Monday! Send another payment - which I dont have - so I dont get delinquent even though I ALREADY PAID - and then hope they resolve this and I get refunded. I mean this is ridiculous. I dont have an extra XXXX dollars to make a second payment because they cant manage their loans. I am either going to have to miss a credit card payment this month or take it from XXXX so either way its costing me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To the lender : Hello all, Im writing this letter hoping to finally get a resolution to an ongoing issue that Im having with Consumer Portfolio Services. 

Years ago, my vehicle was repossessed at the end of my loan ( I was behind in payments by 2 months when my loan matured ). My car was repossessed in XX/XX/XXXX. I recovered the vehicle in XX/XX/XXXX. 

Again, I recovered my vehicle and paid the balance of the loan in full. 

Since then, I have tried very hard to improve my credit and financial status. 

I am now trying to qualify to buy a home. 

***CPS has reported to the credit bureaus, continuously, that not only AM I CURRENTLY 90 days late, but that I have an active repossession. CURRENTLY! *** I own my vehicle in full. You have your money. 

This reporting is hurting my ability to qualify for a home and prosper in other areas of my life. 

I have reached out to your accounting department to beg them to remove the item and that route has been unsuccessful. Ive been trying for months with no help. 

In addition, a recent report was entered from CPS that I was late again! How can this happen? ( screenshot below ) I understand that your company can leave those items on my credit for 7 years and that its up to your discretion as to whether you want to continue reporting this or not. 

Im at my wits end trying to figure out how to fix this and I am begging you for help here.

Its been OVER four years since Ive paid the loan in full. 

Our business is done and was a win/win for both of us as far as your company receiving interests and fees, and me owning my vehicle clean and clear. 

Ive paid my dues. 

Please! Be kind and help me by removing the item from all three credit agencies completely. 

Thanks much for your consideration.
Product: Credit reporting or other personal consumer reports

XXXX reported account with balance which is incorrect-it should read as a XXXX  balance.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX
Product: Credit reporting

I have a XXXX account on my credit report and have been disputing it since XXXX. I have tried to contact them several times without getting any kind of response from them. I called them and was only told they would get back to me and yet I have not heard anything from them. I have contacted equifax concerning this matter they disputed it and sent back a response that the account has been verified and yet I still have nothing from XXXX but yet I am being told it has been verified. I do everything in writing to assure my verification and yet can not get any kind of response and I have a problem with how equifax claim they have and can get verification and I have not been able to get anything from them since I started this in XXXX.
Product: Prepaid card

I had emergency XXXX on the XXXX of XXXX and came home a few days later. I had a girl that Cleaned my house once every XXXX weeks. She came and helped me with my bathing and cleaning. I received a message from my bank saying there was unusual use of my card. So I checked my account and there was many uses without my consent. I realized my wallet was missing. I got a hold of the bank and they took a report and told me what to do. 2 days later they sent me a letter stating that the card chip or something was checked and they declined me my funds. I spoke to XXXX different people about this at the bank and I got no where. I'm XXXX and XXXX yrs old. I count on my money to pay rent and utilities. Please help me to understand this. I also gave the bank the girls name that took it.
Product: Student loan

XX/XX/XXXX - called Mohela with questions and applied for the XXXX plan. 
XX/XX/XXXX - seemed to have lost my application. Once located, it was supposed to be expedited and should have info in XXXX to XXXX business days. 
XX/XX/XXXX - loan was placed in forbearance when I didn't want ( or ask for ) that. 
XX/XX/XXXX - loan being transferred to new web platform. No info available until at least XXXX. ( Transition actually began on XX/XX/XXXX ). 
XX/XX/XXXX - XXXX hour phone call. Loans I didn't want covered under the XXXX plan were in " paid-ahead '' status. The paid-ahead flag needed to be removed in order to process application. Supposed to be expedited and processed in XXXX weeks. 
XX/XX/XXXX - was told that my loan had been placed in forbearance on XX/XX/XXXX. I asked for it to be removed. Was told it would take XXXX days to process. I was transferred to a XXXX who looked into why my application to XXXX had not been processed. I was not given a reason but case XXXX XXXXXXXX was created. XXXX told me she would follow up with a phone call or email by XX/XX/XXXX. 
XX/XX/XXXX - When I made another payment, I sent Mohela a message asking about the status of my application. I received documents that look like a payment schedule to pay off the loans rather than any information on my XXXX application. My loan payments would be more than doubled rather than reduced, which was my whole purpose for applying for XXXX. 

All but the last items were phone calls trying to get my payments reduced via the XXXX plan. They are not the only calls I made. More than XXXX hours in calls ( most of which were on hold ) where I have been disconnected or there's been some reason they can't process my application. They say they're expediting it and then they keep adding XXXX weeks to the time. My application has not been processed so my payments have not been reduced.
Product: Checking or savings account

I opened up a bank account on or about XX/XX/XXXX of XXXX shortly after i deposited 2 employment check one in the amount of {$3000.00} and my bf current employment check in the amount of {$490.00}, i had a usps  money order i had purched so i also deposited that in the amount of {$990.00}. i with drew only {$100.00}, and within a day or so i went to the store and my bank card didnt work, so i called down to the bank since the customer service would not speak with me reguarding my own account. I took off work and went into the parlier ca # XXXX office to speak with the mamnager, he told me all my fund were no good and they were bad, i told him impossible because my bf emoyler i just got off the phone, and they are good plus my money order i purchese from the post office myself. He refuse to give me any print out or even the copy of the checks. later on that day i imeditaly started recieving notifacation that my acciunt was fundswere getting withdrew, i tried calling but customer service wouldnt talk to me about my account, yet i keep getting a statement showing funds being removed. how is that if my accountwas locked.. and if my checks were bad then why dont i owe the whole ammont but just {$1200.00}? I know this bank is doing something fraudly and took my hard earned money please help.