23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Mohela has repeated failed over the last 8 months to convert all of my student loans from 10 year level pay to 25 year level pay loans. Starting XX/XX/XXXX I requested my loans convert from 10 year level pay to 25 year level pay as I just was purchasing a house that ended up having more problems than anticipated. These higher costs have become a burden. Mohela changed all but one of my loans from 10 year level to 25 year level pay. The loan they refused to change even after reviewing my four repeated requests is the largest, at approximately {$20000.00}, with the highest interest rate of them all. Thus, the most profitable. The change from 10 year to 25 year would save me {$100.00} a month ; it would make a big difference in my family and my own situation. I submitted requests for the 25 year level term pay on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They placed me on administrative forbearance that has ended and I have had to make payments since XXXX that are over {$100.00} more than I should have to make. They reviewed and dismiss my XX/XX/XXXX request as duplicate, I believe in XXXX, and marked my first two requests as approved but I continue to pay a third higher monthly payment as they have repeatedly refused to properly service my loan with this repayment schedule change. Frankly, as this is the highest interest rate, largest, and highest payment loan by a wide margin it does appear to be purposeful. This is echoed by many other 's online feedback and discussions of repeated failures always to the detriment of borrowers and demonstrating a pattern of abusive loan servicing practices. I have also submitted a complaint regarding this at studentaid.gov today, XX/XX/XXXX, as no remedy is in sight and the additional financial pressure builds on my family each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX 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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$640.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Product: Debt collection

I am requesting a copy of IRS Form 1099-C for the canceled debt associated with my account. Here are the details : Account Name : Acima Digital FKA Simple Account Number : XXXX. 
Date Opened : XX/XX/year> Charge-Off Amount : {$650.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXXXXXX XX/XX/year> {$2200.00} XXXX XXXX XXXX XXXXXX/XX/year> {$5300.00}
Product: Debt collection

I am writing to formally report an issue I have encountered with a debt collector, Firstsource Advantange, regarding an alleged debt that I believe is not valid and is subject to potential violations of the Fair Debt Collection Practices Act ( FDCPA ) In response to a collection notice, which was sent to me by Firstsource Advantange, I promptly sent a validation letter requesting proof of the debt. However, the documentation I received in return was insufficient and only included old billing statements indicating that the account had been charged off, with a noted last payment of {$1.00} in XXXX payment that is in question because I never made a {$1.00} payment. 


The debt collector failed to provide adequate verification of the debt as required by 15 U.S.C. 1692g of the FDCPA. The account was opened in 2016, and based on the state laws of Tennessee, it appears that the applicable statute of limitations for collecting this debt may have expired.

Given these factors, I have formally disputed the validity of this debt in writing to Firstsource Advantange and requested that they cease all collection efforts. Despite this, I feel it necessary to bring this situation to your attention, as I believe the debt collector 's actions not only infringe upon my rights but may also be in violation of federal laws governing fair debt collection practices.

I respectfully ask that the Consumer Financial Protection Bureau investigate this matter and consider taking appropriate action against Firstsource Advantange for the potential violations of the FDCPA.

Thank you for your assistance in this matter. I appreciate your time and attention and look forward to your prompt response. 

Regards,
Product: Credit reporting or other personal consumer reports

Over the past few months, I have encountered persistent problems in accessing my credit report, which I believe are a result of incorrect security questions being posed. Despite my best efforts, I have not been able to resolve this issue through the regular channels of communication with Equifax. 

To provide some context, I have been diligently attempting to access my Equifax credit report through the official channel, XXXX, as is my right under the Fair Credit Reporting Act. However, every time I try to retrieve my report, I am presented with security questions that appear to contain false or inaccurate information. This has happened consistently on multiple occasions, and as a result, I am unable to access my credit report. 

I have made multiple attempts to contact Equifax to address this issue, including sending letters and making phone calls, but unfortunately, my concerns have not been addressed satisfactorily. It seems that my inquiries have gone unanswered, and I am left without access to my own credit information, which is crucial for my financial well-being and planning.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. Has no ( forward flow agreement ) no original signature stating that I have business with them, they cant produce any payment information.
Product: Mortgage

PHH Mortgage services my loan initiated in XX/XX/XXXX. Since then, this company has shown inability to provide basic management services. In XXXX, the company was not aware of their responsibility to pay my property taxes ; this was reflected in an uncharacteristically large refund in XX/XX/XXXX and lowering of my monthly payment by almost {$700.00}. At this time, I did not know that this resulted from PHH somehow determining that I would not pay property taxes in XXXX when I clearly had paid my XXXX taxes. I did my due diligence and attempted to contact PHH several times to validate the reasoning for this dramatic change in monthly payment, but each PHH agent could only tell me that it was due to the refunded surplus. One agent suggested that I was exempt from property taxes, which I corrected, asserting that I have never communicated such information to PHH. 

In XX/XX/XXXX, I received a tax levy for my property. After submitting an inquiry asking when my property taxes would be disbursed, PHH informed me that " my account was not escrowed for property taxes. '' This is simply incorrect, and my original loan paperwork confirms that the loan, like almost all mortgages, is escrowed for property taxes. I had to submit three inquiries before PHH finally disbursed only half of my property taxes, incurring a late fee. Additionally, in XX/XX/XXXX I received notification that due to the escrow shortage, my monthly payment would increase by almost {$800.00}. If PHH had done their basic due diligence, I wouldn't have had to accommodate two such drastic monthly payment changes within 4 months. In addition, PHH has yet to disburse the rest of my property taxes as of XX/XX/XXXX. 

I don't know what escrow company has trouble understanding that property taxes must be paid. I have never provided any information indicating that I am exempt from property taxes, especially in the timeframe between XXXX and XXXX. I have spent hours attempting to receive answers from PHH, either by telephone or email, all because I want to ensure that my accounts are financially sound. They are even unable to process and communicate basic changes ; I submitted paperwork for a direct deposit change in XX/XX/XXXX and again in XX/XX/XXXX and have yet to receive any intent to process the requested change. The company simply chooses not to answer when they have to provide more than basic information. I am frustrated and at the end of my rope with a company that can not follow basic guidelines in servicing a loan.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX  XXXX ( XXXX  ) ( XXXX ) XXXX -- XXXX ( XXXX  ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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: Checking or savings account

On XX/XX/XXXX I requested an incoming ACH transfer to my joint Ally account that I hold with my wife. I failed to realize that the account I was pulling from was only in my wife 's name. Because I was logged in under my name, Ally rejected the transfer. They told me they would return the funds to the account we pulled from but as of this date they have failed to do so.
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. 

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  My current address is XXXX XXXX XXXX XXXX IL XXXX all other addresses are incorrect and invalid as they are not accessible to me. All other addresses being reported is a violation of my federally protected consumer rights to privacy as well. 

VIOLATIONS 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. 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. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Checking or savings account

The below complaint was submitted several months ago, additional time requested before Capital One rep ( s ) chose to turn around, mark it as duplicate when it is not... Complaint was resubmitted, in which case, same behavior, additional time requested to reply before turning around, marking it as duplicate..I request CFPB look into this behavior and matter itself, take whatever action is necessary against Capital One ... As explained in numerous prior CFPB complaints, a Capital One 360 closeout check was intercepted, cashed by a third party while away on vacation in 2018. Capital One reps placed a stop payment on a prior check in error, reissued a second check, sent via XXXX which was intercepted by a third party.. When brought to attention of Capital One, their rep, XXXX XXXX, attempted to imply the person whom cashed check is related, which is irrelevant, signature was forged and person ( s ) whom forged check did not have consent or authorization to sign my nameXXXX XXXX failed XXXX send affidavit, had it been sent at the time, this matter would have been resolved, this is an error on end of Capital One which they will not admit to.. An affidavit was sent several years later, closed out in error, reps by the name of XXXX and XXXX refuse to reissue XXXX. The cashing bank, XXXX XXXX, requested a new affidavit which both reps, XXXX and XXXX refuse to reissue as stated prior. The most recent rep replying on behalf of Capital One, XXXX, apparently also refuses to reissue, refers back to statement made prior stating funds were obtained from person whom cashed check, in which case, the check provided to me did not clear which was explained in prior CFPB complaints ... Further, the person whom issued check is nowhere to be found in which case, a new affidavit would need to be reissued or replacement check sent from Capital One.. In closing, from past experience, Capial One reps do not accept or return calls ... .. XXXX left a number to reach out in which case, I've already left messages, a total of seven, prior for a XXXX XXXX XXXX none of which were returned ... XXXX XXXX with XXXX XXXX Bank XXXX cashing bank, requested a new affidavit which Capital One reps refuse to reissue ... Complaints marked as duplicate will be resubmitted, sent to other agencies for investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  ( original creditor : XXXX XXXX XXXX XXXX TX ) is reporting a balance of XXXX to my credit report. Also, the dates of this account do not match across the chart which is a violation. I have not resided in such apartments. This is inaccurate information and I need this removed from my credit report immediately. It does not belong to me and I will not take credit for this. I have tried multiple attempts sending dispute letters and has not been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint because Experian hasn't honored my request to properly investigate and remove inaccurate info on my credit report. I placed a fraud alert with them on XX/XX/XXXX and mailed in my dispute info. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 
Please let me know if you need any other information from me to block this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year I have been sending letters and calling XXXX, XXXX, and Experian about inaccurate information that is being reported in my credit file that is re-aging the account. I have asked them to send me their method of verification after sending me letters saying " verified as accurate '' all they do is send me the same paperwork over and over saying it was " verified as accurate ''. I called Experian on XX/XX/XXXX the Rep said that the account has been removed. I called back on XX/XX/XXXX and spoke to XXXX to ask for proof of removal to be mailed to me and she stated that " the account is still in my credit file ''. She told me my only option was to call XXXXXXXX XXXX every month and ask them to close the account. I explain to her that this account has been in charged-off since XXXX but the company keep reporting it as " open '' and " closed '' at least twice a month making the account appear new. I have sent in proof that the date of last delinquency was inaccurate across the credit bureaus how could they be verifying if they all have different information? On some months XXXXXXXX XXXX reports that my payments are on time and some months they change it to report that I am 65 months past due and some months I am 40 days late. There is no way that these credit bureaus are verifying inaccuracies. This account is almost 8 years old but it is being allowed to be illegally re-aged because the credit bureaus are not doing what they're supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a complaint regarding a federal student loan account that is serviced by a company named Nelnet. The reason for my initial dispute with this company as well as XXXX, was against the inaccuracy, incomplete and unverifiable information that is being reported on my consumer report pertaining to payment history. I submitted a complaint to Nelnet, XXXX, XXXX and XXXX. I am still awaiting the results of my dispute and investigation from XXXX and XXXX. However my case was closed by Nelnet and XXXX and deemed as accurate. My question to Nelnet and XXXX is how did you come up with the findings of your investigation? I asked in my previous complaint to be mailed with any and all documentations proving your claims, which you guys failed to do. My second question is how could a violation of the law be accurate? According to Cornell 's law, U.S. Code 1681a 2 ( a ) ( i ) it clearly states that transactions and experiences between the consumer and person making the report should NOT be included on a consumers report. Please explain to me why you feel you are above the law? I have also brought your unlawful acts to my attorney generals attention.
Product: Checking or savings account

I have a bank account with TD Bank. I needed my bank statements for XXXX and XXXX and was unable to get it on the phone. They asked me where the paper statements went and it was a long time ago but I had a lawyer taking them in but he returned them but never sent them to me. 

It was a while ago and now I have no statements. I could not use the banking by computer as I tried to do it but it would not work. I had legal loans and money coming in but now I can not prove what came in and went out as I get Social Security which says I have to keep less than {$2000.00} in the bank at all times. 

Could you have the bank mail me XXXX and XXXX bank statements as I paid some rent but can not prove it without you sending it as my landlord did not give me a receipt.
Product: Checking or savings account

SOFI bank froze my account. I have attempted to get it un frozen by calling multiple times but the security team says I have to wait. They wont give me a time line or any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am part of the equifax breach, was offered protection and after 7 days received the signup email to trustedid premier. The website keeps crashing and will not let XXXX set up an account. I have tried for 3 days with no success. They say to keep trying, the phone is busy.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I went to court with OneMain Financial over an unpaid personal loan that went to collections and was reflected negatively in my credit report. 

OneMain Financial and I settled out of court on XX/XX/XXXX, agreeing to mutually release and mutually dismiss the case. In section XXXX of the settlement, XXXX agreed to remove the account entirely from my consumer credit reports. 

As of today, XX/XX/XXXX, this derogatory mark is still in my credit report and needs to be removed. I have not been able to get a hold of anyone at OneMain to get this to happen. I've been advised to reach out to CFPB to address this.
Product: Credit reporting or other personal consumer reports

The following accounts were included in the bankruptcy. Being included in Bankruptcy means the accounts have been satisfied and paid and satisfied. Since they have been satisfied, they are NOT to be listed NEGATIVELY within my credit report.
Product: Student loan

Wells Fargo XXXX XXXX engaged in discriminatory lending for my private student loan by informing me that I required a US citizen co-signer even though at the time of application was a legal XXXX XXXX holder with a valid Social Security Number. Based on the landmark legal precedent set in a similar case against Wells Fargo by illegal aliens who were also denied credit on the basis of citizenship and national origin, Wells Fargo admitted that its lending policies were a violation of state and federal civil rights laws. 

Therefore, given the auspices in which Wells Fargo operated at the time of my student loan application, the terms of my private student loan were made under the same violation of federal and state laws. Wells Fargo created a situation whereby a US citizen co-signer was involved in a loan that was in violation of existing laws at the time these events occurred in my procurement of a private student loan. Furthermore, my civil rights were also violated as a consumer. Afterwards, when my degree was completed, Wells Fargo communications to me and the co-signer of my student loan, gave the appearance of communicating MORE with my co-signer than myself. 

Per XXXX XXXX XXXX : XXXX : XXXX The agreements come more than three years after MALDEF and O & G sued Wells Fargo XXXX arguing the banks policies of making DACA recipients ineligible for unsecured consumer credit cards and loans violated federal and state civil rights laws, including 42 U.S.C. 1981 and the California Unruh Civil Rights Act, that prohibit discrimination based on alienage and immigration status. The agreements provide an opportunity for DACA recipients who live in California to receive cash payments of up to {$2500.00} for each denial of credit from Wells Fargo, and for DACA recipients elsewhere to receive up to either {$100.00} or {$300.00} for each denial of credit.