23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received an email from the Department of Education in XX/XX/XXXX stating my student loans would be fully discharged. 

However, NelNet still has not closed the accounts and there are more loans from Great Lakes Borrower Services that was transferred over to them as well. This was done after I received an email from Great Lakes on XX/XX/XXXX saying my students from their company would be discharged as well. 

I spoke with Federal Student Aid on XX/XX/XXXX at XXXX. I was informed that all of my student loan servicing companies had been made aware of the class action lawsuit associated with my loans and they would discharge all loans and refund any payments made. 

However, no one has refunded anything as XX/XX/XXXX when I received a {$730.00} check from the Department of Education. XXXX refused to refund any payments I made to them even though the above email from the Department of Education stated they would. 

I also saw that a payment for {$9100.00} was applied to my NelNet student loan account on XX/XX/XXXX. I didnt make this payment and it should be refunded to me because this account is supposed to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$500.00}
Product: Credit reporting or other personal consumer reports

Ive contacted Equifax, XXXX, XXXX repeatedly by phone and letter, disputing the inaccuracy of the Bankruptcy information that they have listed and asking Equifax, XXXX, XXXX, how it had verified the statement. The source-disclosure did not provide accurate reporting, and reinvestigation provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681g ( a ) ( 2 ), 1681e ( b ), 1681i ( a ) ( 6 ) - ( 7 ), to a credit reporting services actions. Ive requested that this information is either corrected or removed.

I have provided proof from the courts to show the Bankruptcy Court Docket did not reflect the information listed on credit file.

Section 1681i ( a ) ( 1 ) concerns a consumer reporting agencys general obligation to reinvestigate information a consumer disputes as inaccurate or incomplete in his or her credit report. 
Equifax, XXXX, and XXXX continue to violate various FCRA provisions by persisting in publishing this report and failing to follow certain of the FCRAs procedural notice requirements. 
The FCRA was enacted in 1970 amidst concerns about the accuracy of information disseminated by credit reporting agencies. If a reporting agency willfully fails to comply with any requirement of the FCRA, it may be held liable for actual damages of not less than {$100.00} and not more than {$1000.00} per consumer, as well as potentially for punitive damages. 15 U.S.C. 1681n. If a reporting agency negligently violates a provision of the FCRA, it may be held liable for actual damages arising from the violation.
Product: Credit reporting or other personal consumer reports

SECTION 605 B 15 U.S.C 5 1681 EXPERIAN, XXXX, XXXX : have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 

Under the FCRA, you can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming i owe the debt. 

i am writing to formally dispute the reporting of fraudulent accounts and inquires on my credit report. i have been a victim of identity theft, and the accounts in question were opened without my knowledge or consent the details of the fraudulent accounts are as follows : XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$1300.00}, : XXXX XXXX XXXX XXXX XXXX Acct # XXXX ; {$20000.00} XXXX : returned voluntarily ; voluntary repossession fraudulent inquires : Experian ; 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. i have been exposed to multiple data breaches which i believe have led to unauthorized activities and fraudulent accounts being opened in my name. i have taken steps to address tgis issue including contacting the companies however i continually experience diculties in resolving the issue 's i kindly request your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially tried to access my TransUnion credit report on XX/XX/22 at XXXX. The website, service.TransUnion.com would not allow me access to my credit report. I had attempted to may times. I waited until XX/XX/22 at XXXX XXXX to attempt to access it again. I received a confirmation code thru my email, it opened my TransUnion account, however I received a message, cant complete my request. Ive had several issues with TransUnion, they continually stop the ability for the consumer to view potentially fraudulent debt charges that TransUnion posts on credit reports. This has happened to me. 
Then, the consumer cant dispute the fraud charges. TransUnion should be confirming specific debt claims actually belong to the persons credit report they ruin. Its very difficult to reverse the negative information and dispute it.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I initiated a wire transfer from my Bank of America account to my overseas forex account using my online portal. The transfer was rejected by the receiving bank because, by policy, XXXXXXXX XXXX can not be used as a corresponding bank. I called Bank of America 's wire transfer department and asked them how I could specify XXXX XXXX as correspondent bank for the transfer and they stated I needed to go to my bank branch to make the transfer. On XX/XX/2018, I did this, sat down with a banker and specified in the " instructions '' portion of the request, XXXX XXXX was to be used as correspondent bank. Bank of America, again sent the transfer using XXXX XXXX as correspondent bank despite my instructions. The wire transfer again failed. Each time, Bank of America charged me {$45.00} and the receiving bank charged {$35.00} for the return. 

Convinced that they are incapable of handling simple instructions, I took matters into my own hands, by having them execute a simpler domestic wire transfer to a bitcoin exchange where I will manage the transfer in bitcoin by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first disputed 2 XXXX XXXX XXXX   items that was not suppose to be on my report on XX/XX/2019. One was removed but one was still there. I call Transunion as to why it was still there and they replied that they had nothing showing that it was disputed. So they made another dispute on XX/XX/XXXX. On XX/XX/XXXX I called to find out why it was still there. They claimed that it was correct. Now they are saying another dispute was created on XX/XX/XXXX. 
Something is wrong with there reporting.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which falls within the 15-day grace period provided by XXXX. As such, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Despite making the payment on time, it was incorrectly recorded as late due to a clerical error on the creditors side. This error led to an inaccurate 30-day late report to the credit bureaus. 
Evidence Provided : I have attached bank statements and payment confirmations showing that the payment was made on time, clearly indicating that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

My loans were transitioned to Mohela last Spring. I made a XXXX payment. This is documented in my payment history. Within 1-2 weeks, the Mohela site said my payment was late. I called and spent an hour on the phone. The Mohela rep confirmed that my XXXX payment was processed. She said from her end she did not see any missed or late payments and assured me it was a website glitch. Further, she told me the SAVE injunction was about to go into effect, and I would be placed in a forbearance so the next months payment would not even be due. Which is exactly what happened. So THERE ARE NO MISSED PAYMENTS. Still, it has continued to show a late/missing payment. I spent 2.5hrs on the phone with Mohela just this week. Neither of the two reps I spoke to could see a late payment. I called Federal Student Aid today because I have done what I need to do to achieve forgiveness. Surprise! FSA says the problem is Mohela showing a late payment. I now have FOUR days before the administration changes and further litigation and red tape is likely. Because of these things, which are beyond my control, I am now missing out on forgiveness. I dont deserve this. Mohela is completely incompetent and impossible to deal with. Currently awaiting a 2 hr hold time for what? To be again given constant conflicting or inaccurate information?? SOMEONE PLEASE HELP. WHAT IS THE POINT OF CFPB WHEN THERE IS ZERO OVERSIGHT AND NO ONE CARES???!!!! MOHELA- How do you guys sleep at night??? The way you have disregarded your consumers is so awful. Is this how youd want your kids or family to be treated? Does it make you happy that you are royally XXXX  people like me out of everything they have worked hard to achieve? This is a big deal. This is my life and my future. Its my kids future. We dont deserve this!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account has been Put on my credit report XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX INQUIRY XXXX  XXXX INQUIRY XXXX XXXX, XXXX I DO NOT RECOGNIZE THESE ACCOUNTS
Product: Credit reporting or other personal consumer reports

I have reached out to Experian via FTC about these unauthorized accounts reporting on my consumer report and I have not gotten an update or a response from them about this fraudulent account reporting on my report. This is my second attempt
Product: Consumer Loan

I applied to a mailer for an installment loan from Big Pictures Loans, which in its mailer said it was NOT a payday lender. After applying on line I was approved for just {$1000.00}. However, the interest rate was over 940 % and the total payback was nearly {$9000.00} over a one year period with bi weekly payments of {$350.00}.
Product: Debt collection

XXXX XXXX XXXX mailed a debt collection statement and refused to allow me to file a complaint without disclosing XXXX and other information. I persisted and reported the account claimed by " Comenity Bank XXXX 's XXXX '' was not an account of mine and demanded that they validate the debt and stop any action, notify the credit reporting agencies that the debt was erroneous and not to take any further debt collection action. The person who I spoke with was at a call center in XXXX and said that XXXX XXXX respond but not for up to 90 days. 
I then searched online and found numerous other complaints about both entities, Comenity Bank and XXXX XXXX XXXX. 
These companies should be required to comply with the law, and not use erroneous debt collection as a business and as a way to gather consumer 's XXXX 's and other personal information.
Product: Money transfer, virtual currency, or money service

All money that was deducted, needs to be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not paying off my debts in a timely fashion especially given the amount of money that is deducted from my bank account monthly. For example, i have a balance of well over {$5000.00} with them but they only pay {$10.00} per month on a {$230.00} bill yet they are deducting fees and keeps moving the estimated settlement dates for bills up each month. This example is one of several with my account that couldve settled. Essentially they are making money off of me for doing as little as possible to pay off my debts. This is causing me issues with job prospects because there is no solid proof that i am paying off debts. Plus they could never provide documentation that a debt is being paid off other than a generalized letter that does not address the debts being paid.
Product: Credit reporting or other personal consumer reports

All three of my credit reports are different making my credit inaccurate making itt for extremely hard for me to correct my credit and my credit score XXXX XXXX, Expedian
Product: Debt collection

On XX/XX/2022 Sunrise Credit Service furnished an alleged debt to consumer reporting agencies XXXX, XXXX and XXXX. Sunrise Credit Service reported an unauthorized account claiming that it was a collection in the amount of {$370.00} dollars. Sunrise Credit Service also furnished an address which has no association to me and never has claiming that the address belongs to me along with the alleged debt. Due to the fact that Sunrise Credit Service never sent me any notice, I the consumer was never allowed to dispute the validity of the alleged debt or given the opportunity to avoid the inaccurate, unfair and bias credit reporting that has caused me to suffer great financial harm and emotional stress. I sent Sunrise Credit Service a notice disputing the validity of the alleged debt and have not received any documentation requested leaving me the consumer to suffer even further. I have no contract, agreement or dealings with Sunrise Credit Service yet they somehow obtained my personal Identifying Information without my knowledge or consent and used it with no authorization from me the consumer. Sunrise Credit Service has invaded my privacy and defamed my character all while using abusive, deceptive and unfair debt collection practices. I will not stand for the abuse and as a consumer I will not allow a fictitious debt collector injure me any further.
Product: Debt collection

Commonwealth claims to be collecting on a 4.5 year old debt. I am unaware of any unpaid medical debt, I never authorized this company to possess any medical data on me. The are reporting a wrong address. They also state that the amount may be different because it does not reflect any payments made after the service date. So they are collecting on money not owed because I owe no medical debt. Failed validation attempt.
Product: Credit card or prepaid card

Someone used my credit card and charged on XXXX  transportation. I had called and disputed the charges with Bank Of America. They temporarily credited the transactions, but they reversed the charges back to my credit card and closed the claim without my agreement.
Product: Credit card or prepaid card

I recently completed a refinance of my home and through this process was able to payoff all of my credit cards. I was very excited to have every single one of my credit cards paid off but as soon as I had paid off my balances, COMENITY BANK/FRONTGATE immediately lowered my credit limit. I was really confused as to why this adverse action was taken and when I called to find out why I was told that I was reported late on my account. I don't understand how a late payment can occur when the balance has already been paid off? 

I was on the phone with COMENITY BANK/FRONTGATE throughout the process of my refinance and advised each representative that I spoke to that my account would be getting paid off soon. 
Each time I spoke with an agent I was told that everything was fine and that there wasn't anything that I needed to do and that my account was noted. If I was late, why did I not receive any phone calls or statements advising that I was late or requesting a minimum payment? I'm really disappointed that COMENITY BANK/FRONTGATE never offered me any kind of payment forbearance or deferment to help prevent any negative activity on my accounts especially after I made every effort to keep them in the loop. Now everyone 's paid off but I have a XXXX credit score? This is not right at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 & XX/XX/2018 I filed a formal complaint with XXXX XXXX that they are reporting inaccurate credit information. I demanded to see VERIFIABLE PROOF ( an original consumer contract with my signature on it ) about these accounts because according to FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by Federal Law to verify, through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT, any and all accounts that they post on a credit report. TransUnion simply responded by updating those accounts as verified and accurate and NEVER sent me the verified proof that I demanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I typed and mailed a my second letter to Experian regarding inaccurate and false information being reported to my credit report. After multiple attempts and no responses to my inquiries, it's starting to feel as tho my disputes are being ignored. 611 ( a ) states that a failure to investigate within 30 days gives reason to immediately remove the items in dispute from my credit report. We are now nearing 2 months without any correspondence from this company. I find it rather strange that Experian is the only company reporting these inaccurate account to my report. I am tired of this and I don't understand why!!! I demand these account be deleted ASAP or the next step will be me contacting my lawyer and filing for litigation and seeking damages due to the stress cause by this ordeal. My personal information was also compromised by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of years ago a mysterious debt to some medical group in Oklahoma showed up on my credit report. After much harassment by phone and mail I filed suit in my local court and the company/collector agreed to take the item off my credit report. Now, a new collector is trying to collect the same debt that has already been removed from my credit report twice. This is clearly a scam. 

I had to go through this long, painful process with XXXX, Equifax and XXXX the last time. They just blindly allow people to put negative information on my report - the same information that has already been removed twice!! Enough is Enough!!
Product: Mortgage

My wife filed bankruptcy in her name only. I received a letter regarding a loan that is in my name only stating that M & T bank put my account into bankruptcy status, they will stop my online access and stop reporting my payments to the credit bureaus unless I file a reaffirmation with the court. 

I didnt file bankruptcy, my spouse is not on this loan, therefore I have no bankruptcy case to file reaffirmation with and the loan will not be discharged in my wifes bankruptcy case because this is not her debt. I still owe this debt. There is nothing to reaffirm. 

The bank is saying that because someone used my address to file, they have to put my loan into bankruptcy status. This makes no sense. If she had used my neighbors address to file, would the neighbors loan go into bankruptcy status??? I have offered to send them a copy of the bankruptcy petition to prove that this loan is not on the petition and not being discharged. They dont care. 

They have put me in a situation that I cant legally or logically resolve. If I do not compete the reaffirmation, they will damage my credit, but reaffirmation is to be filed in a bankruptcy case for a loan that has been discharged. I HAVE NO BANKRUPTCY CASE TO FILE IN AND THIS LOAN HAS NOT BEEN DISCHARGED. I still am responsible for this loan the same as the day before my wife filed. The only way I can complete reaffirmation is if I myself file bankruptcy and get the loan discharged. They dont seem to understand that one needs to happen for the other to be possible. I did not file bankruptcy and this loan has not been discharged. 

They have no instructions on how to file a reaffirmation when you havent filed bankruptcy and why it is required to reaffirm a loan you are still responsible for.
Product: Debt collection

Hope and pray that this complaint will find you and your family in the best of health and happiness. 
I am XXXX XXXX XXXX American citizen and never ever had a problem like this in my whole life. I had excellent history of my credit score.

yesterday I got bank account alert about my credit Secore has been decreased from XXXX to XXXX XXXX on XXXX. 
They have sent debit dispute to all three credit agencies, with out my knowledge. 
This was on my bank credit journey report. 
" I.C. SYSTEM, INC It looks like your account with I.C. SYSTEM, INC received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. " I called I C System XXXX and was connected with XXXX XXXX / XXXX XXXX and I asked her about why the have added my XXXX  disputed amount of {$XXXX} on XXXX XXXX. to 3 credit score agencies. 
They are first collector who have not contacted me. Before them 3 or 4 all have contacted me and I have given them reply. After that no one has contacted me and I thought that this case has been closed. 
I have not received any letter or phone call from them. She said that she will mail me letter and she also said that I have an offer to settle this for {XXXX 
According to your website They have to call me which they did not. They have even my email as well in there system and they have not contacted me. 

What I need your help to please ask them to remove this from all 3 credit score agencies. As to my understanding They have not followed instruction and rules laid down by consumer finance department. CFPB. 
Your help in this connection will be highly appreciated.