23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Subject : Request for Payment Count Adjustments Toward Income-Driven Repayment and Public Service Loan Forgiveness Programs I am writing to request adjustments to the payment count on my account for both the Income-Driven Repayment ( IDR ) program and the Public Service Loan Forgiveness ( PSLF ) program. I believe there may have been an oversight in accurately recording my qualifying payments, which has resulted in an incorrect payment count. 

My name is XXXX XXXX and I have been a participant in both the IDR and PSLF programs. I have diligently made payments based on my income and employment in the public service sector. However, upon reviewing my account, I have noticed inconsistencies in the payment count, which do not align with the payments I have made.

As a borrower in the IDR program, I have been making payments based on my income for a specified period. These payments are intended to help me manage my student loan repayment obligations while considering my financial circumstances. It is crucial that the payment count accurately reflects the number of payments I have made towards this program.

Similarly, as mentioned in my previous letter, I have been employed full-time by a qualifying public service employer, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XXXX. According to the PSLF guidelines, I am eligible for loan forgiveness after making XXXX qualifying payments while fulfilling the criteria of full-time employment with a qualifying employer. I have provided the necessary certification form from my employer, which verifies my employment tenure. 

Considering the duration of my employment and my consistent payment history, I believe I should have already met or exceeded the required XXXX qualifying payments for the PSLF program. However, the payment count on my account does not reflect this progress accurately.

Therefore, I kindly request a thorough review of my account to rectify any discrepancies in the payment count for both the IDR and PSLF programs. It is essential that the adjustments are made to accurately reflect the payments I have made towards these programs.

Enclosed with this letter are the following documents for your reference : 1. Certification Form : This document, completed by my employer, verifies my full-time employment, including the dates of my tenure at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I understand that Mohela is responsible for maintaining accurate records of my loan payments and ensuring that the payment count accurately reflects the progress I have made towards loan forgiveness. I would appreciate your prompt attention to this matter, as it directly impacts my eligibility for both the IDR and PSLF programs.

Please communicate with me in writing or via email regarding any updates or actions taken to resolve this issue. I sincerely appreciate your assistance in rectifying this matter promptly and ensuring the accuracy of my account.

Thank you for your attention and cooperation. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

15 U.S.C. 1681 ( a ) ( 4 ) states I have a right to privacy. 15 U.S.C. 1681b ( a ) ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions. My rights to privacy is being violated by TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that XXXX XXXX reported this entry XX/XX/2019 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history for this account lacks veracity. Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by XXXX XXXX. To that end, I sent a letter to XXXX XXXX. XXXX XXXX has stated that the account was marked as in dispute in XX/XX/2019 ; however, my previous letters to the bureaus reflect that I was disputing this entry. Why then did they wait to dispute when I disputed with them directly. If they verified the entry as reflected on Equifax report, then XXXX XXXX should have updated the account to reflect disputed at that time not later. That is yet another violation of my rights. Entries should be updated as disputed with bureaus upon the bureaus responding in writing that the company, in this case, XXXX XXXX, verified the entry. 

To date, this company has not provided any documentation bearing my signature or proving the of the validity of every entry they are continuing to report. This company has had months to respond to me with the financial responsibility page or anything that verifies this account indeed belongs to me ; yet they have not. Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that XXXX XXXX has no intent to honor nor respond to my previous disputes with my signature reflected on the documentation ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some inquires that I did not give anyone approval to pull my credit report
Product: Debt collection

Original creditor : XXXX, XXXX. 
False account balance : {$59.00} XXXX has been harassing me about this bill of {$59.00} for a while, the reason I have not responded to them is because they actually OWE ME MONEY. The original amount they had charged me was more than the above amount of {$59.00}. I paid them the original amount a while ago, and have the bank check reference to prove it. 

Previous to my paying that bill, I had talked to one of their reps ( XXXX , XXXX ) on the phone and he said he would discount the cost. I waited a while without receiving the discounted charge and decided to go ahead and pay the original amount. Even after I paid the original bill, a new REDUCED bill has been continually sent to me from XXXX XXXX. 

XXXX XXXX has since used XXXX XXXX ( debt collector ) to try to collect from me. I contacted XXXX XXXX and the collection stopped. However, I just received today another collection mail from XXXX XXXX XXXX , XXXX in NH for {$59.00} ( not sure why there 's a XXXX cents difference ). 

At this point I do n't even care about the money XXXX owes me, I would this like the collection requests for this to stop once and for all. 

Thank you.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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: Debt collection

McCarthy, Burgess & Wolff, self-described as a " Accounts payable firm '' keeps calling and asks for someone by first name. There is no such person named like that here. I have asked them to stop calling, but a different person ( voice ) calls every few days. None of the callers will give their own names. Sometimes they refuse to give their company 's name. Caller ID shows their number as XXXX. Never received any ten correspondence from them, so they must be part of a fraudulent operation.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a while now, I use my XXXX XXXX Credit card and then pay off the balance before the due date of the XXXX. This month, I received my notice via email on XX/XX/2019 from XXXX XXXX and immediately scheduled my payment for XX/XX/2019. I monitor my credit report and score almost daily. So today I look at it and Experian dropped my score 68 points because of the balance reported on XXXX XXXX. I called to get an explanation of this exorbitant drop and received no assistance. Instead, the young lady proceeded to run down the " factors '' that could affect one 's credit score ... none of which pertained to my report. So if I understand correctly if we don't use credit, we get dinged, if we do use the credit, we get dinged ... and we pay it off by the due date we do not get celebrated and we certainly don't get our points back that we lost. I would like a justification for 68 points. Our lives are tied up in credit reports and for these bureaus to just bounce our scores around without accountability or explanation does not seem right. I have worked very hard to straighten out my credit so that I can put a roof over my children 's heads and it is not fair that these companies can take it away without recourse.
Product: Mortgage

This is a scam that this company is sending to seniors who have a reverse mortgage. It is really sad.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victoria Secret is really starting to get on my nerves. I'm literally considering suing them for altering my credit, when it shouldn't have been altered in the XXXX first place. 

The cards owner is my wife. She added me as an authorized user months ago. 

When I found out about it via my credit report, I told her to take me off as that has serious reprucussions if her account is late. 

She then called the company and told then to take me off as an " authorized user '' and said they had done so. 

So one, its not my XXXX account Two : my liability is gone because the company VICTORIA SECRET agreed to remove me as an authorized user. 

Three : This company literally just violated FCRA, and such applicable laws that follow suit with it. If this company isn't held responsible, I'll be sure to have a lawsuit. 

Get it off my XXXX credit report. 

Thanks, your sincerest credit consumer that doesn't use Victoria Secret
Product: Credit reporting or other personal consumer reports

These items are from unauthorized use of my social security number and card. Please remove the following from 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 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: Debt collection

I asked MediCredit, Inc. to send me prove of the debt and asked them to stop calling me. The representative XXXX acted like she didn't hear me and talked over me. I haven't received anything about this so I do not know anything about this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights! 
Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account as under an open and consumer credit plan as late for any purpose '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In the accordance with the fair credit reporting act this creditor kohls/ capital one has violated my rights under 15usc 1681 ( a ) section 602 states I have the right to privacy 15usc 1681 section 604 ( a ), section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666 ( b ) a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Hard inquiries on my TransUnion report are not mine and defaming and destroying my credit report. I need them removed immediately 15 usc 1681 trans union has yet to remove them!
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed there were some fraudulent inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. 

Here are a few inquires that I found on my credit report : XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Debt collection

This account was a joint account with XXXX and was paid a long time ago. I was told by this company that it would be deleted from my credit report and it still shows.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 XXXXXXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

During Hurricane Harvey, XX/XX/2017, my XXXX XXXX XXXX was caught in fast rising water and later declared a total loss. I had full casualty auto insurance as well as GAP insurance. I made the auto loan holder, XXXX XXXX XXXX, aware of the loss. My auto insurance paid XXXX the fair market value, leaving a balance for GAP to cover. I was repeatedly harassed by XXXX because the GAP insurance payment was delayed. Eventually, the GAP insurance paid XXXX. Now I discovered XXXX filed a negative payment history on my credit report. I owe the nothing and do not believe they should be placing a negative activity repost against me.
Product: Credit card or prepaid card

I opened a Wells Fargo Secured credit cards in XX/XX/XXXX. My last payment was made XX/XX/XXXX. The account was closed XX/XX/XXXX due to nonpayment. I called Wells Fargo in XX/XX/XXXX to make a payment and close the debt out. I was told they were unable to locate the debt to apply a payment to so they would be unable to accept my payment and remove the debt from my credit report. I submitted a dispute XX/XX/XXXX to have it removed from my credit report because they cant find it to prove it was mine and accept payment. The dispute was in favor of Wells Fargo, and it is still on my credit report despite being unable to locate the dent and let me pay it off.
Product: Mortgage

During covid we took a forbearance with our mortgage company which was XXXX XXXX. They transferred the mortgage to carrington. I tried contacting XXXX XXXX who said they sold my loan and when carrington finally sent me a payment statement they claimed my first payment was almost XXXX. While I still was under forbearance and that it would take paying full amount to keep from foreclosure, I have tried contacting them for over a year and now they claim I now owe a payment of XXXX XXXX, to catch up my payments and offered me a modified plan to stall foreclosure and bring me current. I received it and basically they are now offering to basically refinance my mortgage at 5.875 % which is where I originally was but now its for 40 years! And its my original loan amount! XXXX how can I make payments for 15 years and they still say I owe XXXX, plus a partial claim of XXXX? However on the foreclosure documents filed with the court it states I owe XXXX! Which is what I think would be correct. So I am going to lose all my equity in my home because they claim they serviced my mortgage during the pandemic ( not doing anything ) and charge me XXXX dollars in fees?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB- XX/XX/XXXX SSN- XXXX Experian, XXXX, and XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
The following items must be blocked, removed and permanently deleted from my credit profile. 
XXXX account ending in ( XXXX ) Open Date- XX/XX/XXXX Balance- {$24000.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Which states FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Police Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within five business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX