23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been trying to get Mohela to process the recertification form for my XXXX student loan forgiveness since XXXX. I have 113 qualifying payments and 120 are needed for public student loan forgiveness. I would reach the 120 payments if Mohela would process my employment recertification form for calendar year XXXX  that I mail in XXXX  of XXXX  and I also mailed a new form in XXXX  of XXXX  because my file was never updated. I have called and they tell me they will update my file with the form within 2 weeks and nothing is ever updated. Last time the representative XXXX XXXX is the only identification she would provide ) told me that they have missed processing the form because they are being marked as duplicated. I said why, they could not tell me why. When I have asked to speak to a supervisor they tell me it would be at least an hour. 

I think they are intentionally not processing my form to stop me from getting loan forgiveness. 

When I ask for a name of who is helping or a badge number for identification -- they will not give me any identifying information. This place is fraud. 

To be clear, I am not asking CFPB to weigh in on the legitimacy of my PSLF form ( I have worked at the same qualifying employer for over 17 years ) rather asking PSLF to make Mohela comply with the law and process client forms in a timely manner. Moreover, they should not be blocking legitimate PSLF applications from being processed for loan forgiveness. 

In the uploads I have attached a few things : XXXX. Webpage that shows I am 113 of 120 payments toward PSLF 2. Webpage showing uncertified payments in XXXX. 
3. Employment Info shows they have my employment at XXXX XXXX XXXX XXXX through XXXX. 
XXXX. Documents Received : this shows the forms I have sent in any both marked duplicate. I would have attached the PSLF form, but it does have my SS # and other personal info.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a folIow up complaint to # XXXX-XXXX  I still have NOT received my Transunion credit report & I cant get a live person to discuss anything with me because they cant verify who I am. 

Transunion has been aware of this issue with this same woman since XX/XX/XXXX and when she was XXXX of it in 2XX/XX/XXXX I sent the court paperwork to them for my file and THEY STILL CONTINUE to report inaccurate/fraudulent information on my credit history!! 

Ive been waiting 9 years for Transunion to fix my account and I find it COMPLETELY UNACCEPTABLE that not only arent they removing this information IMMEDIATELY given their knowledge of this goes back to XX/XX/XXXX, I CANT EVEN GET MY CREDIT REPORT, much less get into my file online. 

Ive waited long enough. I cant fix or dispute any accounts if I cant access the results or my credit file online or obtain my report. They dont get 30-60 days because they've already had 9 years! THIS. IS. INSANE.
Product: Student loan

I have paid off all my federal student loans in full. According to the Administrative Forbearance ( Payment Pause ), I am able to get some of my payments refunded that were made on/after XX/XX/XXXX. I selected 3 payments from my payment history made after XX/XX/XXXX that I wanted a refund for. The 3 payments, amounts, and their effective dates are listed below. 

XXXX. XX/XX/XXXX, {$3200.00} XXXX. XX/XX/XXXX, {$3200.00} XXXX. XX/XX/XXXX, {$3700.00} XXXX : {$10000.00} I called Mohela on XX/XX/XXXX and requested a refund for those XXXX payments that were made after XX/XX/XXXX. I was on hold for about XXXX hours and the lady I spoke to assured me that the refunds were submitted. In addition, she said my refund will be processed in 60 days and the balance would update on my Mohela homepage. 

After about 30 days, I called Mohela back and spoke to another customer service agent to make sure my refund payments were processing. She told me that they were and to wait out the full 60 days. 

It has now been 60 days and I have not received any refund or had any loans reinstated on Mohela. I have tried to call Mohela and their customer service wait times are insanely long where no one picks up. I have also tried to email them and no response from that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the SEQUOIA FINANCIAL SVCS ( Original Creditor : XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Debt collection

All dates and years before XX/XX/year> XXXX, Equifax, and XXXX all failed to remove all late payments, all collections, all charge offs, and all hard inquiries that abide by 15 U.S. Code 1666 ( b ), 15 U.S. Code 1637 ( a ), 15 U.S. Code 1692 ( g ), 15 U.S. Code 1681 ( c ) 2, and 15 U.S. Code 1681 ( n ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XXXX of 2016 XXXX XXXX XXXXe reported my monthly payment as being late. I called XXXX XXXX the moment I noticed this on my Credit Report. I have never been late on any of my Credit Cards or loans. I never received a statement from XXXX XXXX as I always did, therefore I did make the payment on time due to their negligence on sending the statements. I also never received a phone call from them letting me know about the payment. While speaking with XXXX XXXX there was an individual that stated I should have received a noticed by mail and a phone call ( I believe his name was XXXX ) If the phone calls are recorded then XXXX XXXX should have that information on file, this individual admitted that XXXX XXXX did not take the necessary steps in this situation. I have disputed this item multiple times and it was removed from the Credit Bureaus in the past, but then it is added again ( It just recently happened again ) XXXX XXXX Negligence to provide me with proper community when it comes to payments has affected my credit score and caused stress in my life. Loan interests are higher due to this and it has taken time out of my busy schedule to provide these letters in the hopes to get this rectified. I pride myself on having pristine credit and XXXX XXXX has affected a lifetime of work on my credit. I'm not asking for any money, all I want is fair treatment and to have this item removed. XXXX XXXX is a large Corporation and it is not fair for them to treat a client this way. It is very disappointing how I have been treated and hope to get this resolved. 

Thank you. 

I have submitted this complaint to your office in the past I appreciate any help you may provide to get this handled. 

I would like to have the late noticed removed from all of my Credit Reports I  will also be filing with the Attorney General 's office
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to obtain a XXXX XXXX card 3 different times ( since XXXX ) and they said that a company declared me as deceased. I wrote to XXXX XXXX and filed a claim ( CFPB ) that resulted in the discovery that Lexis Nexis is the company responsible for the incorrect information in their files. I have written to Lexis Nexis along with sending all the information that I sent to XXXX  XXXX to prove that I am not deceased. Also, according to XXXX XXXX, they also reached out to Lexis Nexis to let them know that the incorrect information came from them.

I have not received any correspondence or call from Lexis Nexis concerning this issue. I want them to correct my file and to tell me who is responsible for this information that they have in my file?
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 : XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX CARD # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 foderaly protected consumer rights to privacy and confidentialily under 15 USC 1681.

15 U.S.C 1681 section 602 A States I have the right to privacy.

| 15 U.S.C 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writien instructions | 15 U.S.C 1681c. ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse lom of informetion, other than records of convictions XXXX crimes which antodates the report by more than seven years XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX higher education XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes, contacted the agencies, contacted the inquiry companies, sent letters, fraud alerts, was a part of the credit reporting breach, filed ID theft reports, from XXXX XXXX XXXX  I have spent over 35 hours emailing calling, reporting, researching and several items are incorrect on my report. Filed police report XXXX dispute charge off remove XXXX XXXX XXXX paid in full closed by me, incorrect reporting been closed since XXXX! 
XXXX car XXXX was bankruptcy-disputed These inquiries have been unauthorized and unverified and I want them removed. These inquiries occurred without your knowledge These inquiries occurred without your approval These number of inquiries exceeded what you expected or what I ever applied for Inquiries XXXX XXXXXXXX XX/XX/XXXX NEVER ME!, XXXX XXXXXXXX XX/XX/XXXX Not me! 
XXXX XXXX XXXX  XXXX XX/XX/XXXX NOT MEXXXX XXXX XXXX XXXX  XXXX and XXXX XXXXXXXX none of these I ever applied for. 
XXXX XXXX XXXX XX/XX/XXXX Never even heard of them!, XXXX spoke with multiple times, and two XXXX XXXX back to back! I have all my dispute info and proof I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore doesn't exists
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  2017 I init iated the lifting of my credit report freeze on all   XXXX   agencies . ( See att ached credit card transaction summary ).  XXXX  charged me {$5.00} on  XXXX . Experian charged me {$5.00} on  XXXX .     But Equifax charged me {$5.00} five separate times on  X/XX/17    for lifting the freeze one time.     A simple error which Equifax refused to address over the phone and insisted that I mail a copy of my credit card bill to their office in  XXXX . In other words, I have to waste my time, calling, copying, mailing, etc. in order to get Equifax to correct an obvious error for which they offered no explanation.
Product: Checking or savings account

TD bank took home equity out without my permission. I was writing check on due date. XX/XX/XXXX they received two payments wont stop taking automatically and wont use extra payment toward different month. XXXX and home equity loan in deceased husbands name. I was told I dont have to pay home equity because in his name. I paid house off recently in XX/XX/XXXX. Paid for name on deed in XXXX XXXX XXXX passed away in XX/XX/XXXX. Even though I paid for deed and had durable power of attorney told my lawyer by message that husband passed deed was signed XX/XX/XXXX so waste of paying lawyer. The holidays messed up the deed happening and lawyer took too long. If I dont have to pay home equity I dont want to. Only XXXX no social security cant find out if his evil daughter took his life insurance. As a wife I need pension have to wait until XXXX. I took care of spouse for 3 years front XXXX  XXXX. I never got paid law wont. {$400000.00}. Literally XXXX hours a day. He was my husband best friend wish he protected me. I thought he had will he said he did. He told me and his mean family he wanted me to have the house. I need advice and help for free lawyer free food. Please help me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A negative report was placed on my credit report which is absolutely incorrect information. 
On XX/XX/XXXX I moved from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX I moved to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. 

A copy of my new lease agreement was provided to the debt collector and the debt was removed. XX/XX/XXXX the debt returned back on my credit report This matter was re-addressed with NRA Group and this debt still reminds on my credit report. removed. 

Please see my attached lease.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later i have not recieved a repsonse yet. I feel like i'm being taken advantage of and being ignored of my disputes section XXXX ( a ) it is plainy stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed over 60 pending transactions to XXXX XXXX XXXX. These charges were NOT made by me and were NOT authorized. I immediately called Citibank Fraud and Security to report the unauthorized transactions. 
After reviewing my credit card transactions, I submitted disputes to Citi for a total of {$15000.00} of charges to the merchant XXXX that I did not make. 
Cit credit card services did not send a text message or call me to question these transactions. They allowed the over 60 transactions of {$15000.00} to be approved. 
On XX/XX/XXXX, Citi stated I was responsible for the charges, stating they were not fraudulent since I had purchased from this merchant previously. 
On XX/XX/XXXX, I initiated disputes on all these charges claiming duplicate charges. The last charges I made to XXXX XXXX XXXX with my Citi credit card was XX/XX/XXXX. 
XX/XX/XXXX, I received a letter from Citibank , N.A . Security Services dated XX/XX/XXXX, stating that they completed their investigation and my dispute ( s ) is now closed. They stated that I was responsible because I had provided my account number. I dont understand, I provided my account information in XXXX. How does making a previous purchase to the merchant XXXX give them the ability to make endless unauthorized charges totaling {$15000.00}. 
Citibank stated if I wanted to pursue this matter further I needed to contact the merchant. I have contacted the merchant, XXXX who I believe to be a representative for XXXX. XXXX resolution was to add money to my gaming account which is unacceptable and allows a company to get away with making unauthorized fraudulent charges. XXXX, the representative from XXXX, also had me send my credit card statements so he could review my account. After I sent my statements, I haven't heard from XXXX. My account is deactivated and I have received no further responses from this merchant. 
I entrusted Citi dispute services to perform a thorough investigation to resolve this matter. The amount of unauthorized charges made to my credit card is financially and emotionally devastating and CRIMINAL. 
I work hard for my money. I DID NOT make these purchases. I have been a Citi credit card member for years and I expected Citi to protect me from XXXX, a merchant who is committing criminal fraud and theft by submitting numerous unauthorized charges. 
I did an internet search and found the CFPB. I am asking for any assistance you can provide. Citibank Security investigation outcome stated that I was responsible because I had provided my account number. This is unacceptable as a prior purchase to the merchant XXXX in XXXX with my credit card does not authorize XXXX to make endless unauthorized credit card charges. 

If any further information is needed please contact me as Im prepared do whatever is necessary to resolve my credit card dispute. 
I appreciate any assistance that CFPB may provide. 

Respectfully submitted, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The agency lists multiple addresses on my credit report that is misleading and NOT accurate. I only resided at one address, which is on XXXX XXXX. The current reporting is misleading, not accurate and is in violation of several FCRA statutes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Money transfer, virtual currency, or money service

1. On Monday, XX/XX/XXXX I received two emails that appeared to be coming from XXXX. Email content stated I owed {$500.00} for gift card purchased on my account and had a XXXX ( XXXX ) XXXX number that I needed to call. In order to settle my account I called the number in an effort to settle my account. 
2. Person at other end of line by the name of XXXX sent me a computer link to load onto my computer which I did. He directed for me to install the software so we could resolve the payment. I followed his instructions which gave him access to my computer. After a few minutes he called me from telephone no. of XXXX ( XXXX, NY # ) It was a major mistake on my part and should have hung up, but didn't. 
3. He said that my XXXX account was linked to 3 credit cards. He read two XXXX  cards that I had used in my XXXX account that were expired and a third one that was in fact linked. All seemed to be accurate information. 
4. Then, he said that in order to resolve the problem he was going to transfer {$200.00} to my USAA account. He showed me on line a screen where he wanted for me to fill out the amount of {$200.00}. When I did somehow he populated the amount with two additional XXXX which appeared the transfer to be made was for {$20000.00}. I warned him of the mistake to which he said it was all his mistake and for me not to do anything because he would lose his job. 
5. He then asked me to transfer {$19000.00} ( {$20000.00} he supposedly transferred less {$500.00} - {$50.00} for wire transfer fees. 
6. He provided a XXXX XXXX XXXXXXXX wire transfer information with the account holder 's name ( XXXX XXXX ). I called USSA and directed agent to do wire transfer. 
7. I got irate because I am out of {$19000.00} and have been unable to recover my money. He has his supposed boss call me. Didn't catch his name, which was bogus anyway and had numerous calls from him from tel. no. XXXX ( XXXX XXXX, NY ) number. 
XXXX. I finally gave up and reported the SCAM to XXXX and to USAA. My bank ( USAA ) assured me they would try to recover my money but I have not heard from them. Reported scam to them on Friday XX/XX/XXXX. 
XXXX I have detailed notes of emails, text messages, and phone calls to prove the SCAM.
Product: Debt collection

Javitch Block LLC continues their disregard for the law. They havent produced any of the XXXX documents being requested to validate that the case is lawful. 

I urge the federal government start a full-scale audit/investigation on Javitch Block LLCs practices including looking into all cases won by default judgment across the nation and prosecute all individuals in this operation that helped in anyway to get any illegal judgment.