23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I found some inaccurate information in my credit report after looking into it. By Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must authenticate these accounts. ( A ). It is unacceptable to regard these reporting accounts as unverified information if evidence can not be produced within the allotted time frame. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was in an income based repayment plan ( Repaye ) prior to the XXXX forbearance with XXXX which were transferred to Mohela. 

When the COVID forbearance ended I contacted Mohela and were told my loans were placed on administrative forbearance until they converted my Repaye loans to XXXX. They assured me interest doesn't accrue and there are no penalties and months count towards XXXX. 

In early XX/XX/2024 I received notification from Mohela that my loans were in default and they assessed me a penalty, without notice. I contacted them on XX/XX/2024 and was placed on their call back list which they did not call back. I called back again XX/XX/2024 and waited until I spoke to a representative. 

XXXX. I was told that the administrative forbearance was actually a processing forbearance which only lasts 2 months. This is completely contradictory to what I was told on my previous conversation. 

XXXX. The second representative ( supervisor ) told me the Dept of Ed was waiting on me to recertify my income. This is not true when I look on studentloans.gov. Additionally because I was on XXXX prior to COVID forbearance I do not have to recertify until XX/XX/2024. 

XXXX. I was told my income based repayment plan ( XXXX ) wasn't " transferred to them ''. This is out of my control. They did offer to rectify their error. 

XXXX. I got factually incorrect information regarding the processing of my application by the Department of Education, which is marked as complete. 

My husband and I were present for all of the phone calls I had with Mohela representatives and were both surprised with the contradictory information. We're both educated with graduate degrees and financially responsible. We are appalled that a federal loan servicer could be so inept. Talking to friends and reading anecdotal accounts it appears this is a wide spread problem which has been going on for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I found out from the credit report provided by XXXX that MICROBILT which is unknown and strange company to me got my credit inquiry on X/XX/2017. Also I got to know that the company 's business type is auto reseller. In fact, I have already bought a car with finance on XXXX, 2017 and do not have any reason to ask credit inquiry about the automobiles at that time. 

At the moment, there was no amounts or actions disputed with them. Nonetheless, I am very sensitive about why they tried to get my credit inquiry because I did not give my permission to them as far as I remember. I appreciate you slove my issue as soon as possible. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to XXXX, XXXX, Transunion stating that an account was not mine and it was due to fraud. I showed proof that this fraud was done by an apartment complex and I showed proof of taking them to court to sue them over fraud. Transunion and XXXX deleted it off my credit report but XXXX refuses to remove it. I even hired a credit repair company to dispute it and they still denied the dispute. I will like XXXX XXXX of {$270.00} removed from my credit report. Also on XXXX XXXX XXXX I sent all 3 credit bureau my accurate name and address along with social and employment and phone number. I asked that any inaccurate information on my credit report to be removed because I fear for future fraudulent activity. I am trying to correct my credit so I can be able to purchase a home in my near future. I sent letters to XXXX, Transunion, XXXX. 
XXXX still has inaccurate information on my credit report even after me showing proof. I also will like this inaccurate information removed. It has reached the 30 day mark for all corrections since the disputes.
Product: Payday loan, title loan, personal loan, or advance loan

I logged into my Consumer Portal on XX/XX/year> to check the balance of my loan. It showed a pay off amount of {$810.00}. I called XX/XX/XXXX and spoke to an agent who quoted the pay off amount as {$810.00}, which I then paid over the phone. The agent confirmed the loan was paid in full and the account would be closed. I made a point to pay off the loan prior to the promotional period ending on XX/XX/XXXX. I received an email confirming my final payment on XX/XX/XXXX. I checked my balance online and it showed a XXXX balance. On XX/XX/XXXX, I viewed the XXXX Statement, which suddenly showed a balance of {$7400.00} with deferred finance charges and a late fee. I called Momnt Customer Service immediately. The first agent confirmed the loan is paid off, but when I inquired about the XXXX Statement, he remarked, " That's a mistake. Let me put you through to the lady who took your final payment on XX/XX/XXXX. '' I stayed on hold for XXXX minutes, with no answer. I called back and spoke to XXXX. I briefly explained the situation and he said, " That's weird. That's a mistake. Let me open a ticket to escalate this and get it resolved for you. '' After several minutes, XXXX came back on the line, and said his supervisor would not let him issue a work ticket, due a payment in XXXX being reversed. I reiterated that the agent on XX/XX/XXXX quoted a payoff amount of {$810.00} and confirmed it was paid in full. The consumer is not to be held responsible for Momnt 's accounting errors. I asked to speak with XXXX 's supervisor. He said she was in a meeting and she would call me later. I looked in the Customer Portal again after that phone call and saw that the XXXX Statement was suddenly missing. Every other Statement is there. I called Momnt Customer Service again and spoke with XXXX. I asked him to please email me the XXXX Statement, and he replied he'd be happy to assist with that. Then he said, " This is weird. It's missing. Where is it? '' And he put me on hold. When he came back he said that IT would restore the missing Statement within a few hours. It is still missing. See attached screenshot. The manager has not called or emailed in XXXX days. 

*Update - I contiunue to call with no resolution. They say it is under investigation and being escalated to XXXX XXXX. I spoke with them again today and they say there is still no update. 

ATTACHMENTS Momnt Missing State
Product: Credit reporting or other personal consumer reports

XXXX XXXX has placed a Charge off on my account with proof of validation or consent to place such item on my credit report. I also sent them the Letter of the law. I have attempted several times to have them remove these items from their company off of my credit report. Through response they have refused to remove these items. They are not in compliance with the law and I'm asking for help to Kindly get these items removed from my credit report. This negative item has devastated my livelihood and my chances of being approved for a new home. 

Regards, XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 



Regards, XXXX XXXX
Product: Credit reporting

XXXX credit ... a collection agency ... is improperly reporting after not following the fcra
Product: Credit reporting or other personal consumer reports

I have multiple hard inquiries on my report that hasnt yet been verified by the credit bureaus as requested several times through multiple phone calls and certified verification letters. Ive recently sent off another letter on XX/XX/24 still no response. Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is in violation of 15USC 1681 ( 2 ) ( A ) for reporting inaccurate information that I was not notified XXXX days prior to the reporting of these inaccurate accounts listed in the dispute letters I sent. It has been over XXXX days since TransUnion has been notified of their violation of the above section as well as '15USC 1681a ( 5 ) ; for allowing these companies, ( who are also in several violations and have been notified ) to furnish the following inaccurate accounts on my consumer report, without providing me with an original signed consumer contract with written authorization requested to furnish these accounts as per '15USC 1681 ( b ) '. 

Company : XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX  Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Account XXXX Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : SXXXX XXXX XXXX Account Number : XXXX Date added : XX/XX/XXXX Company : XXXX XXXX  Account Number Listed : XXXX Date XXXX : XX/XX/XXXX Company : XXXX  XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Their violations make these accounts inaccurate and by law they must be removed from my Consumer Report.
Product: Bank account or service

My wallet got stolen with all my personal information which included my bank card pin and soical security card my bank account got hit with fraud. When I notice I contacted Bank of America they put a claim in and said I have to wait 10 business days so I waited on XXXX/XXXX/2017 I received a phone call from a Bank of America XXXX who stated she was taking the funds from my account for the claims that was put in against me. I told her she can not do this she said yes they can I went to the bank center the same day I missed work that day dealing with this situation they told me I have to wait the full 10 business days on XXXX/XXXX/2017 Bank of America stated they do not see favor in crediting bank my funds the received over {$800.00} from me I 've lost my apartment and had to move back home with my mom my car insurance is now cancelled my car payment is passed due a month. I 've explained that I have no money. Thhe fraud transaction that happen on my account in XXXX/XXXX/2017 was not done by me I 've explained plenty of times that I do n't have my wallet I also have done XXXX police reports and they still do n't see it In my favor to credit my funds back I 'm highly disappointed with this sistuation and would like to received my funds back I have been patient with them this is not fair that I 'm receiving this treatment.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>... I transferred {$2000.00} from my XXXX bank acct via Zelle to my friends account, which is XXXX XXXX. I did call XXXX and think about cancelling the transfer, but the banker told me that would close my friend 's account. I stated no. I don't want his account closed and I want him to have the transfer. She said no problem. Later we find out his Zelle is closed and banned for fraud. He never asked for any money from me. I simply sent it, because I wanted to do something nice as a gift. The bankers at XXXX have admitted fault and apologized and actually had to withdraw a claim that shouldn't have ever been processed. They said my friends Zelle should be working within XXXX hrs. That was over a month ago. My friends name is XXXX XXXX. His Zelle phone number is ( XXXX ) XXXX. XXXX XXXX transfer ( XXXX ) XXXX
Product: Debt collection

I borrowed XXXX dollars from title cash now Ive paid monthly payments for 4 years and debt has yet to be repaid.
Product: Mortgage

I have tried to pay off my mortgage 3 times since XXXX. I have requested and received 3 payoff authorization forms and wired the amount to the mortgage companies bank only to have additional charges show up on my account. After the latest one last week my account still shows a balance of {$38.00} dollars. I have called numerous times beginning XX/XX/12 and have been told they were going to correct it but nothing has changed. I have spoken to their escalation department and filed a report with the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have not been able to access my credit report from XXXX XXXX XXXX 

I was recently denied a lease by XXXX because Equifax locked my consumer credit profile without proper notification.
Product: Debt collection

A judgment was entered against me in the XXXX XXXX XXXX on XX/XX/2022 by Glasser & Glasser on behalf of XXXX XXXX XXXX for {$27000.00}. The issue is that On XX/XX/2022 I entered into a payment agreement with Glasser & Glasser to make 24 monthly payments of {$820.00} on a settlement balance of {$19000.00}. I made the first installment payment of the agreement on that same day, XX/XX/2022. I had previously paid one payment of {$500.00} and have made a subsequent monthly installment payment of {$820.00} on XX/XX/2022 due on the XXXX of each month. 

I am concerned that Glasser & Glasser will attempt to collect more than the {$19000.00} in the full settlement document ( included ) after I have paid off the amount agreed.
Product: Credit reporting

I contacted Experian by written letter three times requesting it to correct or delete within 30 days an item related on my credit report that provided inaccurate information related to the account, account balance, payment frequency, payment amount regarding the XXXX, account XXXX, who no longer holds this account. Experian did nothing, despite my repeated requests and supporting documentation ( i.e., bank records ) to provide proof of the inaccuracy. For this reason, the agency is in breach of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accounts referenced below. 

1. XXXX XXXX, XXXX, I have never had an account with XXXX XXXX. Please remove from my credit report as this is inaccurate information. Not to mention, I have sent XXXX XXXX a request to validate the account from XXXX 's XXXX, showing a printout of the bill however they have been unable to do this. The only thing they provided was a response that they have verified the item, however they've failed to show me how. I have paid XXXX 's XXXX off shortly after my wedding which means that the balance on the account is incorrect. There should be no balance, therefore no collection account. 

I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debt, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, nor did they send the copy of the bill that added up to the charges in their claim, solidifying the fact that this debt belongs to me. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. I will not pursue escalation of the matter upon removal of this erroneous account. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.
Product: Money transfer, virtual currency, or money service

I was conned by a scammer, acting as a representative of my bank, into providing information regarding my online bank account. The scammer accessed my account with XXXX, and used Zelle to make a series of unauthorized transactions, in varying amounts, totaling {$2000.00}. 
This happened within 2 minutes of my call with scammer. I called my bank immediately and froze all accounts, and found I had been scammed. I opened a complaint with my bank, XXXX XXXX XXXX XXXX, who then opened a complaint with Zelle. Both entities refused any compensation, and I currently can no longer make Zelle transactions. 

I never authorized access to accounts, nor any transactionsbut I did provide sensitive information to a con man.
Product: Credit reporting

I disputed this Bankruptcy information previously and it could n't be verified and was removed from my credit file, I see it has been added back on to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute fraudulent information that i noticed have been reported on my credit report. Several months back i had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very difficult! I know that i have been receiving emails and calls about debt that is not mine and my information has also been exposed in several major data breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company reported to my credit reports with not authorization on doing so. Never contacted me regarding this debt and now my credit score dropped due to this collection that I'm not responsible of. 

I need this to be removed immediately from my credit reports. 

Name of Company : FRONTLINE ASSET STRATEGIES Account # : XXXX Balance : {$1700.00}
Product: Credit card

I purchased concert tickets online. The tickets never arrived. The vendor told me repeatedly, up to 2 hours before the concert, that there was no record of my ticket purchase. The day after the concert, the charge showed up in my Citibank online account record. I reported this to the credit card company, Citibank, that I used to purchase the tickets. They, in effect, have taken the merchant 's side on this issue. Citibank sent me a letter asking me to provide documentation that I do not have and could not possibly have. They say : ". We have closed our investigation and reversed our credit. If you still wish to dispute this charge .... Please provide documentation that you were unable to print the tickets or denied access to the website. You should also provide evidence that you tried to download the tickets from another location such as a friend 's house or local library. Me may be unable to continue with your dispute without this information. '' The merchant " had no record of my ticket purchase '', and they made no effort to provide the tickets to me. They were supposed to send an email containing printable tickets - they did not. Two different representatives admitted this to me on the day of the concert. They told me that the only way I could get concert tickets would be to order new tickets and pay for them again. 
The amount of the purchase was {$100.00}, for which I have received nothing of value. I spoke with the ticket vendor three times on the telephone - they said that there is nothing they can do - in particular that they can not refund the credit card charge. I spoke with Citibank four times about this now. They say that the error was the merchant 's. However, they ended up charging my account for the tickets, and they insist that I provide documentation of something that did not happen.
Product: Debt collection

On XX/XX/2024 Unauthorized, Suspicious and Fraudulent activity was detected by the Credit Bureaus, indicating that the company was reporting false information and monthly inquiry my credit profile without my consent and authorization, This company was reporting an address that is not related to me. This company was reporting a debt that is result of Identity Theft due to XXXX XXXX XXXX. The activity indicates that this company is performing a fraudulent scheme along with others 3rd parties companies.
Product: Credit reporting 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 has violated my rights. 15 U.S.C 1681 section A States i have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It aslo 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 items of information, other than records of convictions of crimes which antedates the report by more that seven years .15 U.S.C.1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several credit accounts open on my report that I did not authorize including a loan that is now in collections or default. My identity was compromised and I have filed a police report, reached out to the companies and the credit bureaus and still nothing has been done. I am a single parent and these derogatory remarks are keeping me and my daughter from getting a home. These acounts include two XXXX XXXX cards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There has also been attempts to get new credit and there are hard inquiries on my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX There are unknown address on my reports as well as name misspellings that need fixing.