23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain and this was my fourth attempts 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following items are fraudulent that needs to be removed : XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX  XXXX Bankruptcy Date XXXX ; XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date XXXX XXXX ; XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$900.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX  XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Student loan

Hello, I'm sorry but I'm so frustrated and upset at this point and I've tried calling and no one answers I just sit on hold for hours. 

During the pandemic when everyone was deferred from paying on their student loans I called into Mohela, and was able to talk with a representative. The reason for my call was trying to understand their qualifying payments for my student loan forgiveness program. According to my plan, if I made XXXX qualifying payments my loan should be forgiven according to them. My question was could I make more payments than just XXXX within a XXXX  and would those still be considered qualifying payments. I was told that it didn't matter just as long as I made payment they would be counted. I found this too good to be true so, I called another day to confirm this and I spoke to another rep and they provided me with the same information. Mind you I had to wait on hold for at least XXXX hours just to speak to someone if not longer. They said it didn't matter as long as we could verify my employment as a non-profit and I made the XXXX qualifying payments they would be counted. 

During the timeframe of XX/XX/23 - XX/XX/23 - I made several payments XXXX XXXX XXXX and when I say several I mean I made a single payment for the qualifying amount almost every day during some months  to get myself up to the qualifying payments. I already had several payments but I wanted to pay off my student loans and be done with them forever. 

Long story, short when everything started to come back from the pandemic and repayments were no longer going to be deferred I was contacted via email to be informed that they were only going to count my payments per month. So, they now are saying via email that XXXX payment in the qualifying amount per month, which meant all the extra payments I made during the months, well those didn't count or matter. They would only accept XXXX payment per month. 

I wouldn't have an issue with this if I was told upfront that's how it works but I was told by XXXX Mohela representative this wasn't the cause. I've tried to call in countless times to get this straightened out but no one answers. I can only email them and when I do they are not understanding or just send me copy and paste messages. No one is taking the time to actually read or go over my message or even look into my issue. 

I'm sick because I've spent XXXX XXXX XXXX dollars that will not get counted, because they are only accepting XXXX payment per month. I can download a record of all the payments I've made to them as proof. During XXXX XXXX XXXX  I've paid over, XXXX payments totaling {$3700.00} + I'm happy to provide any documentation that's needed. Bank statements, anything. 

https : //www.mohela.com/
Product: Credit reporting or other personal consumer reports

I called XXXX to report that I am showing 17 inquiries on my credit report and that I had disputed inquiries with equifax and experience already and they were removed. XXXX told me that I have to file a report with the FTC in order to remove these inquiries and asked for me to submit to them a report from the FTC.
Product: Credit reporting or other personal consumer reports

I am writing because Ive been sending disputes by mail for the past four months, including all required documents like my Social Security card, utility bill, and ID. But each time I receive a response, it says my dispute wont be investigated because Experian believes its not me submitting them. 

Ive also been responding to these letters by mail, clearly stating that it is me and asking them to call me, but Im getting nowhere. Ive called each month since XXXX and the automated system keeps telling me I can not connect with a specialist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act USBK COURT XXXX TEXAS, docket XXXX, XXXX XXXX Account XXXXXXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX account ( s ) XXXX, XXXX & XXXX, XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXXy account ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX, XXXX & 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing erroneous items with the bureaus since XXXX of last year ( XXXX ). 

XXXX XXXX  and XXXX are my biggest concerns right now. 

XXXX XXXX is reported incorrectly. Each bureau reports a different date of last active. XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX and the payment status is : was past due XXXX or XXXX times. That's not even possible or accurate. It must be concise according to laws that govern credit. XXXX reports the date last active as XX/XX/XXXX and they keep reporting payments after it's closed. this is inaccurate and should not be on my report. They refuse to correct this. 

XXXX should not be on my report either. Experian reports the Date last active as XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX and they are reporting activity on a closed account. XXXX is also reporting the date last active as XX/XX/XXXX with current payments on a closed account. They will not fix this and it's against FCRA guidelines
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX. As well as the incorrect addresses of : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my strong dissatisfaction with the unauthorized account appearing on my credit report, which is the result of identity theft. This account is causing significant disruption to my financial standing, and I insist on its immediate removal. I have taken the necessary steps to address this issue promptly, including reporting the identity theft to relevant authorities and disputing this fraudulent account with the bank. However, the lack of cooperation and information from both the bank and your bureau is unacceptable. Given the seriousness of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove this questionable account from my credit report. 

XXXX XXXX XXXXXXXX. XXXX
Product: Credit card

XX/XX/2016 I received an AmEx mailing offering an AmEx Premier Rewards card with a XXXX point bonus after $ XXXX spend. I was uncertain if I have ever had this card before so I called AmEx to confirm that I was eligible. After speaking to XXXX different people it was determined that I was in fact eligible for the bonus. I was informed today that the bonus was declined.
Product: Checking or savings account

On XX/XX/2020 Bank of America closed my account without warning. My ending balance was about {$11000.00}. When my debit card declined at the store, I called my bank and they informed me of the account closure. OnXX/XX/2020 I was told that a cashiers check with my ending balance was mailed out. XX/XX/2020 I was informed that no check was sent but that it was being held in the back office for review. I have no had any access to any money because of this! I am behind on SEVERAL bills. I am at risk of losing 2 storage units because I can not pay them without my money. I have a hired attorney that is threatening to withdraw off of my case because I can not pay him due to not being able to access my money! I am also at risk of having my license suspended because I can not pay car insurance. I have since spoken to my bank and nothing has been done yet! I still have no money. I  havent been able to even grocery shop for my children at all either. I am not going to continue to go back and forth with the bank about this issue. I need my funds asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to Experian and XXXX was dated XX/XX/22 but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If Experian and XXXX do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX : {$6900.00}
Product: Debt collection

There is more than XXXX company collecting payment on this debt and they can not verify where the payments have been applied. When I researched into who was in possession of my account, it seems as though that the account is held by multiple parties, including XXXX XXXX, Synchrony and XXXX XXXX. I tried to pay Synchrony bank directly by sending them a check to their XXXX XXXX as directed. On XXXX/XXXX/16, the check ( which was made out to Synchrony bank with my XXXX XXXX XXXX account number ) was cashed by XXXX. I called XXXX, and spoke to a representative XXXX who said that XXXX XXXX has no record of my account or my name. I also called Synchrony Bank who claims that they are soley in possession of my account but informed that the funds were not applied to my XXXX XXXX XXXX account and they had no record of the check that I had sent directly to their address. I then had to call my bank XXXX to dispute the check as I had not made it out to XXXX XXXX but it was cashed by this bank and was not applied to any of my accounts. Furthermore, Synchrony Bank refused to provide statements or receipt of payment for this account.
Product: Mortgage

I AM REQUESTING THE OMBUDSMAN DEPT. TO AUDIT MY ACCOUNT AND INVESTIGATE XXXX MATTERS : XXXX. AUDIT MY ESCROW/INSURANCE ACCOUNT FROM YEARS XX/XX/XXXX TO XX/XX/XXXX. RUSHMORE SERVICING UNJUSTIFIED FEES OF {$140.00}, THEY OWE ME OVER {$8000.00} SINCE I HAD PROVIDED THEM PROOF OF MY OWN XXXX INSURANCE COVERAGE FOR MY XXXX XXXX, FOR SEVERAL YEARS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PENNSYLVANIA XXXX, POLICY XXXX. AGENT XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PHONE XXXX XXXX. I PURCHASED MY XXXX XXXX {$700000.00} MANY YEARS AGO PUTTING 20 % DOWN TO XXXX XXXX XXXX  XX/XX/XXXX TO ELIMINATE PROPERTY MORTGAGE INSURANCE OR LENDER PURCHASED XXXX DESPITE THAT THE BANK HAS BEEN CHARGING ME PMI HIDDEN FEES AND ESCROWED PMI AND THEY REFUSE TO FULLY CREDIT MY ACCOUNT OWING ME SEVERAL YEARS. PLEASE HELP, THIS MATTER IS UNETHICAL SELF SERVICING VIOLATING FEDERAL BANKING LAWS.
Product: Debt collection

I am a victim of identity fraud and have contacted the creditor who reported an apartment rental in negative/collections to the credit bureaus and informed them that the account doesn't belong to me and is the result of identity fraud and that I will be able to furnish proof of resident history during the time period of the apt . and verify the social they used to obtain the apartment don't belong to me the only similarity was my first and last name and not my middle name the information they have is inaccurate both bureaus XXXX and XXXX have realized the inaccurate information and have removed the collection off my credit report XXXX has been the only bureau not complying.
Product: Credit card or prepaid card

Capital One sporadically closed my credit card account with no prior communication relayed to me. Contacted customer and was told it 's in the hands of " executive correspondence '', refuse to tell me anything. I had no notice, no options whatsoever. Extraordinarily unprofessional, and I ca n't even get it reopened myself nor an explanation ( one that is n't a canned response ) as to why it was closed from anyone. Primary card # ended in XXXX, XXXX. I 've never once missed a payment, only recently had my Capital One 360 account ( s ) closed - also with no notice - and emailed XXXX.com to get an answer. Seems to have made things worse, not better.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020 I have submitted dispute documents for those unknown and inaccurate accounts on my credit report. I was a victim of the XXXX  data breach. I demand to immediately delete those accounts on my credit report or I will file for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I submitted a letter to XXXX XXXX XXXX XXXX, XXXX in regards of three items on my credit file I'd would like remove which I'm unaware of. which Equifax stated they cant remove the items and don't provide any information on how the accounts were verified.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am reaching out to report a case of what I believe to be fraud regarding an account that has been opened in my name. The account in question was apparently opened during a period when someone else was residing in my home. I had no knowledge of this account being created, and I never received a credit card, statements, or any funds associated with it. 

I am now facing attempts to collect on this account, which I do not recognize and do not believe to be mine. I am requesting that the credit card company involved provide detailed information to confirm or disprove my ownership of this account. Specifically, I would like to receive any documents showing how the account was opened, the method of application, and any identification used. 

I am requesting your help in ensuring that this credit card company complies with my request to validate the account and investigates this matter as potential identity theft. I would appreciate any support or guidance you can offer to protect my consumer rights and resolve this issue. 

Thank you for your time and assistance
Product: Debt collection

To whom it may concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection with a PAST DUE BALANCE OF XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been disputing items on my credit report specifically social security numbers that are not mine additionally to creditors that do not belong to me. I just found out that there is almost $ XXXX in collections that doesnt belong to me that has affected my credit score. I am constantly disputing things on my credit report but they keep on putting other things not mine back on. I have this problem with all 3 credit bureaus. Also because of incorrect information I have a hard time getting my annual report some times.
Product: Credit reporting or other personal consumer reports

This company is reporting late payments for XXXX and XXXX of 2023 and has failed to provide any verifiable proof within 30 days of my requests to do so. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 b of this title is delivered to the consumer not later than 21 days. I never gave any written instructions to furnish this data which is a violation of 15USC 1681b. They must comply with 15USC SEC 1681li ( a ) and I am gathering all of this information with help from my attorneys for further litigation. I demand said late payments be removed immediately from my consumer report.
Product: Vehicle loan or lease

I just wrote out the entire situation over the course of an hour and a half and while uploading documents - the entire state my disappeared. Its now very late I am Unwell Amd tored. May I just say that for the past 3 years I have been living a nightmare situation thanks to Kia Finance continuing to do Erroneous, illegal and frankly inane accounting with my account. They have refused to do anything to correct or even look into it and instead have co stantky taken my payments applied them them declined them then charged me a late fee and an INSUFFICIENT FUND fee ( when I always had the money in the bank and offered to provide them with statements from the cabinet which btw never charged me any fees because they never had to! This has caused my credit score to drop so low ( XXXX ) and is the only thing on my credit report but because of how low it is I cant even try to get rid of this car because I wouldnt be approved for a loan. I cant even now upgrade my cell phone ; move out if my apt or even get a secured credit card! And ironically also caused my car insurance to go up to {$300.00} per month and only due to my credit. Its the only thing on my credit report. They are now sending me letter after letter and call after call threatening to repossess the car when I make payments every month but wont pay the additional erroneous charges. They have made every aspect of my life a nightmare and I fear its because I had initially initiated a lemon law suit against them during the first year of ownership which I had to abandon after months because they refused to cooperate with my attorneys in any way and I could not afford the retainer required to move forward. 
Yo m
Product: Bank account or service

My complaint is about " Direct Express ''. They are a rip off company they steal money through their illegal fees AND it is almost impossible to get through to someone. Either the phone system wo n't let you in by saying call volume is high, & to call back. Or finally - when you get through - the phone call is dropped while transferring the call to customer service. Then, IF one does get through via the phone, the customer service reps do n't do what they say they are going to do. When I finally get through to someone then I GET A DIFFERENT STORY than from the previous representative. ( If you want all the times I called let me know. ) Ever since I received my first social security dispersal in XX/XX/XXXX THEY HAVE CONTINUALLY STOLEN MONEY from me by charging me illegal fees for the ATM service. Stealing is against the law for me - why not for Direct Express? 
I was told in XX/XX/XXXX by someone in one their phone call center that I was to have XXXX FREE ATM CHARGE monthly from a Co-America bank. But they continue to illicitly charged me {$.00} when I use the XXXX ATM. In XXXX they reversed some of their illegal charges and now I found out they have done it again - for at least 10 months. I called AGAIN on XXXX/XXXX/XXXX. It was necessary to spend over 55 minutes on the phone. At the end of the long & frustrating ordeal I was told I would have an answer in 5 business days. That did n't happen so I called several times ON SEVERAL DAYS beginning XXXX/XXXX/XXXX. Direct Express is very difficult to get through to. On XXXX/XXXX/XXXX " XXXX '' told me that my " request for the refund of the wrongly charged ATM fees was denied and there was no explanation ''. I paid my money into the social security tax system many, many years ago and I DO N'T LIKE HAVING TO PAY TO GET BACK MY OWN XXXX MONEY FROM DIRECT EXPRESS OR CO-AMERICA BANK. THIS IS WRONG, WRONG WRONG.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently all three credit agencies XXXX, transunion, and XXXX   have on my account that I have had a real estate foreclosure. This is incorrect as I still own this property and the bank has not been able to successfully foreclose threw court. The mortgage has a lot of issues and is currently in legal proceedings. I find it that reporting I have a forecloser is purposely damaging my credit report. They have been asked to remove this from my report. Until they receive court documents from the state hawaii that verify in fact that this property has been foreclosed on this should not be on my record or listed as a forecloser. The court has not made a decision on this matter since being in court since XXXX till current. It is not the credit reporting agencies right to report false information due to the request of a third party and has for the last couple years adversely effected my credit score and credit decision and has cause damage to my credit worthiness. This matter has been brought before and asked to be removed and hasn't. This mortgage debit is also over seven years old and payment hasn't been made since XXXX due to banks failure to provide information on who payments where being made to and other issues outside of a credit reporting agencies business of reporting credit related items. This violates credit fairness and truth. That a third party having nothing to do with the mortgage and loan was allowed to make this request and it be included on my report.
Product: Credit reporting or other personal consumer reports

Keeping payments on this account consistently prompt has been my practice, avoiding any instances of overdue payments. I'm unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, necessary corrections should be enacted.