23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Utilizing a proactive approach, I am presenting my issue with my loan servicer MOHELA before I am falsely placed in a late payment or default situation. 

With the resumption of student loan payments in XX/XX/XXXX, I was initially with XXXX before being transferred to MOHELA towards the end of XXXX. 

Due to a late transfer, my first XXXX payment was due XX/XX/XXXX. At the end of XXXX, I paid in full my student loan payment of {$350.00}. 

After payment, and after the XX/XX/XXXX payment due was posted. I began making intermittent payments towards my XX/XX/XXXX payment. On XX/XX/XXXX, my balance due was {$160.00} for XX/XX/XXXX. On XX/XX/XXXX, I submitted payment of {$160.00} to pay my XX/XX/XXXX balance in full. 

After completing this payment in advance, a new balance of {$130.00} appeared on my account, due XX/XX/XXXX. Confused, I submitted a payment on XX/XX/XXXX for the balance of {$130.00}. After this payment posted to my account, my balance remained {$130.00} and indicated it was due XX/XX/XXXX. 

On XX/XX/XXXX, I called and sent a message to MOHELA. I spoke with a customer service representative. Initially, the customer representative told me the balance was because I was behind in payments. This quickly changed when I informed her that I did not start repayment until XX/XX/XXXX due to transfer from XXXX. As a result, she acknowledged the error on MOHELAs end and indicated this would be rectified on my account. 

It is XX/XX/XXXX, I still have a balance of {$130.00} due on XX/XX/XXXX. I sent a message to MOHELA again with no response. 

The issue, I have paid above and beyond my required payment for XX/XX/XXXX, and it does not appear that MOHELA is going to fix this issue as verbalized to me on XX/XX/XXXX. 

I am being proactive, as I do not want to be falsely accused of making late payments or defaulting on a student loan. I do not intend to make an additional {$130.00} payment for XX/XX/XXXX, as I did this on XX/XX/XXXX. 

I am hoping that you can be of assist, as I will continue up the chain until this is rectified. I submitted a complaint to Federal Student Aid ( gov ), however I am still waiting for their XXXX day response time from an XXXX complaint. As a result, I dont expect a response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute letter to the credit bureau agencies ( XXXX, Transunion, XXXX ) explaining that the accounts below on my report are stating inaccurate payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX never late PRIMARY RESIDENTIAL MO - payment never late I have not received a response from any other the credit agencies.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that your company absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Product: Money transfer, virtual currency, or money service

XXXX from XX/XX/XXXX until XX/XX/XXXX The fraudster has my phone number, personal information and the information to the secondary bank account. 
Funds were transfers and then removed from my account to the secondary account USAA and XXXX I have a fraud investigation with USAA right now I don't want to attach any documents until I am contacted
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

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

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

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

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

XXXX 1. XXXX Account Number : PXXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

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

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

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

5. XXXX Account Number : XXXX This is not mine.
Product: Credit card

This is a complaint about Capital One 's unconscionable practice of closing accounts when there are outstanding rewards and telling the card holder that their rewards are forfeited. On XXXX XXXX, 2016, I received a letter from Capital One closing my GM credit card account because they " observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family or household purposes '' Cardholders received 5 % of annual purchases up to {$500.00} annually as a reduction toward the cost of a GM car for up to 5 or 7 years. At the time of the cancellation, I had a balance of {$1000.00}. 
Capital One refused to provide any further information as to why my account was closed and advised me that my balance was forfeited. I spent many hours with Capital One and had many phone calls with representatives who were essentially robots. They would not provide any information other than what was in the letter and telling me that I had forfeited my rewards. 
I subsequently learned from GM that my card was cancelled while in good standing and they would honor my rewards for 90 days. In other words unless I bought a car within 90 days I had lost my rewards that I had in good faith amassed over the last two years. 
I have held this card for more than 20 years and believe this is a fraudulent practice. Capital One promised to provide me the agreement showing that they can do this, a copy of the letter and a copy of my last statement which I misplaced. This was about a month ago and they have not fulfilled their promise. In other words, contacting Capital One is like banging your head against a wall. 
Capital One should be sanctioned by fine or by other means for this clearly unconscionable practice. Pressure through formal action or otherwise should be placed upon Capital One to stop this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of my credit report, which contains an account that does not belong to me. I did not authorize anyone to use my account, and it is therefore unacceptable that it appears on my credit report. I have attached the necessary documents to support my claim, and I request that you take immediate action to remove this inaccurate account from my credit report.
Product: Checking or savings account

Revolut has hired the most immature and terrible people to handle their support. The phone number is XXXX based but the customer support line is American women being rude. I have attempted to verify by photo identification, government issued ID, and password. They refuse to help me and are terribly catty. I need to access my account and request a new debt card
Product: Debt collection

I cancelled my XXXX services on XX/XX/XXXX. XXXX sent notice that they owed me {$3.00} on XX/XX/XXXX and did not send me a refund. XXXX attempted to charge me for services XX/XX/XXXX that were cancelled XXXX XXXX that had been paid in full. 

Today, XX/XX/XXXX I received another notice of a new debt collection attempt. This is the third debt collector to contact me in regards to a debt that is not owed. The previous 2 agencies ceased debt collection and it appears had been handed over to a 3rd collector who is now contacting me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Credit Report Dispute under 15 U.S. Code 1681 Dear Sir/Madam, XXXX am reaching out to address inaccuracies in my credit report as per my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) . I have identified several discrepancies which I believe infringe upon my rights regarding the permissible purpose and accuracy of information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Incorrect closure date has been reported. 
I request a thorough investigation into these discrepancies and appropriate corrections to be made promptly. Enclosed, please find copies of documents supporting my dispute. In compliance with the Fair Credit Reporting Act, I anticipate a prompt and constructive response to this matter. 

Thank you for your immediate attention to these issues. 

Sincerely, XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX. XXXX Balance : {$6400.00} XXXX XXXX XXXXXX/XX/year> XXXX CO XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I had various credit cards with Comenity Bank. They sold a few of those credit card debts to other credit card companies or collection agencies. My accounts were supposed to have been accurately placed in the hardship program that was designed to help us consumers with our repayment of debt. lowering the interest and payment amount. 
under the requirements all of my accounts that were originally with Comenity Bank, were supposed to have been placed in the " protective status. '' I made preset up my payment amounts and dates of payment. to ensure my responsibility of the agreement. to continue to stay elligable for this program. removing some of the ineterest. maintaining and keeping the account in good reporting standing. eliminating some of the interest and mainting the accounts open.because i want to buy my first home. my accounts were placed in the hardship program in XXXX XXXX these accounts were Zales , XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX 
well, they had the misspelling of my name in a couple of the accounts zales and XXXX. They fixed the name on the XXXX and never the zales account. 
the issue of them not fixing the name- caused various issues when attempting to speak to management about the account. they would also have issues bringing up the account inorder to talk to them. the failure of not filling out the form on the representatives end for the hardship program- is why the accounts were sold off to another collections agency. placing my active accounts into closed and sold to collections. damaging my credit and the repair promise of the hardship program. making the purchase of a home impossible. I have sent hand written letters to the Credit bureaus, them as creditors to the customer service department and the dispute department. I have attempted since XXXX of XXXX for these issues to be resolved. we are now in XXXX and i am still being affected by their mistakes. can someone please help me. 
i found oout about the issue in XXXX of XXXX XXXX XXXX became the owner of the XXXX account/debt and i was notified then. i have even requested my account notes and they will not release them. i need to get this fixed. we are in XXXX. PLeASE!!
Product: Credit reporting or other personal consumer reports

i have items reported on my report that have been inaccurate since XXXX and have disputed numerous of times most recently i sent over another dispute long with this XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Ongoing Issue Dear XXXX XXXX XXXXepartment, I am writing to formally dispute the inaccurate information that remains on my credit report. Despite my previous attempts to resolve these issues, incorrect information has not been removed, and the problem persists. 
As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for failing to properly investigate and resolve consumer disputes, resulting in the continued reporting of inaccurate data. I am currently facing the same issues that the CFPB highlighted in its case against XXXX. Specifically, I am disputing the following inaccurate information in my credit report : I have previously disputed these inaccuracies, but despite your obligation under the Fair Credit Reporting Act ( FCRA ) to investigate these issues thoroughly and correct errors, the information has not been rectified. 
As outlined in the CFPB lawsuit, XXXX has been found to neglect its responsibility in conducting fair and proper investigations into consumer disputes. I expect XXXX to adhere to the law, including your obligation to remove any inaccurate or outdated information from my credit report. 
I request that you immediately reinvestigate these disputed items and provide me with confirmation that the inaccuracies have been corrected. As per the FCRA, I am entitled to an updated copy of my credit report reflecting these corrections. 
Please be advised that, according to the law, you are required to complete the reinvestigation and notify me of the results within XXXX days of receiving this dispute. 
I trust that XXXX will take the necessary steps to rectify this issue promptly, as I have already been impacted by these inaccurate entries for an extended period. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. 

I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple items that is being reported inaccurately on my credit report. And have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX was taken off my report and placed back on with a new age XXXX XXXX {$1200.00} XXXX XXXX which is inaccurately reporting TWICE XXXX XXXX bank card which is reporting TWICE inaccurately
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent letters to the 3 CRAs ( XXXX, XXXX, and Experian ) on XXXX, about reporting inaccurate and incomplete information on my credit report. Per 15 USC 1681, all information being reported must be 100 % accurate and complete before reporting or Deleted. I have attached copies below
Product: Debt collection

XXXX XXXX XXXX responded on XX/XX/2019 with bullet numbers. However number 18 stated the following response. XXXX XXXX XXXX , XXXX would happily work with XXXX to facilitate payment and remove any derogatory remarks. 

On XX/XX/2019 {$83.00} had been paid and one account had been paid in full. 

Instead the 2 account have been reported on my report again instead of the balance owed after payment was made.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} LMMINC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to investigate and remove an inquiry from XXXX XXXX. I have never delt with these people In accordance with the Fair Credit Reporting Act. 

The inclusion of this on my report has violated my federally protected consumer rights to privacy and confidentiality 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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

School was closed and they failed to keep communication about loans and grants after I applied for school finances. I have applied for loan forgiveness a few times, along the applying the the programs through the COVID times. At the time of my attending they said they would being closing before my degree was finished for legal matters. What I need to do to resolve this cause it is still showing up on my credit reports and accounts when I try to enroll with other schools and they fail to communicate with me. 

XXXX ID : XXXX