23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Servicer is not counting PSLF eligible payments citing payments were made over 30 days before deadline to pay. This is not a rule per Dept. Of Education. It just stipulates no late payments. Servicer sends bill to me well over thirty days before payment is due and I pay it within days of receiving the bill. Then they just do n't include it as eligible. They make up their own rules. Their phone reps misinformed me on my XX/XX/XXXX payment, saying I only need to pay a {$700.00} amount. I later found out this would not count towards PSLF. They also said in XXXX that I should make a payment around {$1000.00} to cover capitalized interest just ad my graduate school grace period ended and this payment was not in my best interest for PSLF. They routinely misinform via phone on the best payment strategy to qualify for PSLF and undertally PSLF qualifying payments. I have filed a complaint with the Ombudsman through Dept. Of Education but the end result was unchanged. They should reimburse the overpayments they accepted which they did n't apply as PSLF eligible and apply elifible payments without this erroneous uncited reasoning of paying over 30 days before due date when they send a bill beyond thirty days in advance and do n't state anywhere that such a stipulation exists.
Product: Payday loan, title loan, personal loan, or advance loan

I took a personal loan for {$50000.00} from XXXX XXXX XXXX on XX/XX/XXXX. Per the contract, the first payment will be {$830.00}, due on XX/XX/XXXX, 240 monthly payments of {$840.00} beginning on XX/XX/XXXX, and one payment of {$1.00} on XXXX/XXXX/XXXX. The loan was immediately sold to Servicing Solutions. On XXXX/XXXX/XXXX, Servicing Solutions breached the agreement by debiting my checking account {$860.00}, which is more than what the contract stipulates. I've been trying to get online access to view my account since Servicing Solutions bought the account, but I've been unsuccessful. I've called Servicing Solutions for assistance on two separate occasions, and each time, I was told someone would call me back. To this date, I have not received a return call. I sent an email to Servicing Solutions on XX/XX/XXXX requesting to remove my loan from automatic payments, yet they still debited my checking account on XX/XX/XXXX, causing an overdraft of {$1300.00}. I had to pay {$30.00} to stop payment on the transaction to avoid multiple overdraft fees. Attached is the promissory note and disclosure statement. Please note that this loan is a " predatory '' loan, and it is essential that I review the account status online and make additional payments to minimize the amount of interest. I request Servicing Solutions reimburse {$30.00} for the stop payment fee, STOP the automatic payments, and give me online access to review my loan.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear XXXX Dispute Department, I am writing to formally dispute inaccurate and misleading information that remains on my credit report despite my previous attempts to correct these errors. My experience aligns with the allegations in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX for failing to reasonably reinvestigate consumer disputes and ensure the accuracy of credit report information. 

I have enclosed a copy of my credit report, highlighting the specific items that are incorrect. These inaccuracies include 'SOUTHWEST CREDIT SYSTEMS '. 

According to the Fair Credit Reporting Act ( FCRA ), XXXX is required to : Conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ).

Forward all relevant information to the furnisher of the disputed data ( 15 U.S.C. 1681i ( a ) ( 2 ) ). 

Delete or correct any information found to be inaccurate, incomplete, or unverified ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

Provide a clear and accurate notice of the reinvestigation results ( 15 U.S.C. 1681i ( a ) ( 6 ) ).

Despite these legal requirements, I have received dispute resolution responses from XXXX that are vague, contradictory, and fail to properly address my concerns. Specifically : My disputes were not thoroughly investigated, and relevant supporting documents were ignored. 

Incorrect information remains on my report without adequate justification. 

The results letters I received did not clearly explain what, if anything, was updated or corrected. 

As a consumer, I have the right to an accurate credit report and a meaningful dispute resolution process. Therefore, I demand that XXXX promptly : Conduct a thorough reinvestigation of the disputed items. 

Remove or correct any inaccurate, incomplete, or unverifiable information. 

Provide me with a clear and detailed response outlining the resolution of my dispute. 

Failure to comply with the FCRA could result in legal action, including reporting this matter to the CFPB, the Federal Trade Commission ( FTC ), and pursuing other remedies available under the law. 

I expect a written response within 30 days, as required by the FCRA. Please mail the updated credit report and a detailed explanation of your findings to my address above. If you need additional information from me to resolve this dispute, please contact me immediately. 

Thank you for your prompt attention to this matter. 

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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

During the COVID 19 Pandemic the primary head of Household in our family became unemployed. The servicer of the mortgage Select Portfolio Servicing Inc. put our loan modification that we have been paying on time into  forbearance until the pandemic is over. 

They also said that we could apply for a loan modification and we submitted documents and was denied twice. 

The reason for denial the servicer stated that our income was not evaluated in the decision. 

The servicer is in violation of Federal Reserves requirements with respect to having to review all loss mitigation alternatives. They also must review my income as per the qualifying criteria set up by the FED. Under the FED 's Statement on loan modifications under COID 19 as of XX/XX/2020. They also must review to reinstate the previous active Loan Modification.

See attached supporting documents
Product: Student loan

Since restarting student loan payments in the fall of 2023, I have had numerous issues with Mohela trying to pay my loan balance. Simply put, I am trying to pay off my loans and Mohela is inconsistent in actually taking the money out of my checking account. I called my bank, who said the issues are not on their end. I called Mohela, and they could not figure out why payments are sometimes going through, and other times not. My issues are enumerated below : 1. I have entered my bank account information into the system multiple times exactly the same. Sometimes Mohela will take money out of my account when I pay. Other times, Mohela will say they received payment, only to send me notifications many months later saying that my bank account does not exist and payment did not go through. 
2. Autopay does not work.

3. I have a loan with XXXX XXXX still on it. I have attempted to pay this XXXX XXXX for 6 months. Mohela told me it would go through in XXXX days. This was 5 months ago. 

I am trying to do the right thing and actually pay off my loans, however, Mohela has made this extremely difficult. Every time I make a payment, I have no idea whether it will actually go through. Seemingly, Mohela does not know what the issue is either. This is completely unacceptable as these loans accrue interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted all the required information and proper legal identification regarding my personal name and my current and existing address to Experian and XXXX as well as XXXX, and all XXXX bureaus refuse to update my personal information, since certain collections are either linked to aliases or phony addresses. 

All the bureaus refuse to acknowledge my request disregarding the proof submitted and none have the same reporting information or credit score to match with XXXX another.
Product: Checking or savings account

Unauthorized check written on our account. 
XXXX XXXX XXXX XXXX XXXX sent our check # XXXX ( Huntington Bank ) dated XX/XX/year> by XXXX XXXX  in the amount of {$8100.00} to our vendor XXXX XXXX, XXXX. XXXX XXXX. said they never received our check # XXXX. However the check # XXXX dated XX/XX/year> ( After being Altered ) was mobile deposited on XX/XX/year> by a XXXX XXXX into her XXXX XXXX Account in the amount of {$38000.00}. 
We have notified our local authorities ( XXXX XXXX XXXX  ) the Huntington Bank Fraud Dept. and also XXXXXXXX XXXX XXXXXXXX XXXX. ( XXXX XXXX  ) and have not received any cooperation from either bank. 
Please help us get the necessary information from the above banks to recover our {$38000.00}. 
Let me know if you need any other information to help us in your efforts. 
Thank you
Product: Debt collection

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ERC ( Original Creditor : 1XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I just received A Copy from my credit report XXXX after placed fraud alert due to fraud activity on my credit and noticed that there two UNAUTHORIZED inquiry left by Wells Fargo Wells Farge Credit Services XXXX2019 XX/XX/2019 which i didn't apply for any kind of credit
Product: Debt collection

I have had my federally protected consumer rights violated by TRANSUNION on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. TRANSUNION has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included 3 notarized affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand as stated in the affidavit of demand for verification ACCOUNTS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$14000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Per Family Educational Rights and Privacy Act 1974 The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # : XXXX and 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: Debt collection

I do not know the company nor have I consented to any of their communication. I also do not know how they have my personal information. 

The company is violating my HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 2 employers listed are not factual and the previous addressis wrong I never lived there
Product: Credit card or prepaid card

XXXX XXXX XXXX Credit Card : I received credit card and utilized an estimate of {$300.00}. I was making my regular payments of {$29.00} per month. I paid the {$29.00} for approximately XXXX XXXX XXXX XXXX months. Unbeknown to me the payment was changed from {$29.00} to {$42.00} even though I continued to pay the {$29.00}. Once the payment changed to {$42.00} and my payment of {$29.00} was received I was billed a {$13.00} negative amount and the account was closed for late and less than what I owed. I never receive a request to pay {$42.00} instead of {$29.00}. However, a negative report was sent to the credit bureau and caused my score to drop XXXX points because the card was close. After the account closed and XXXX XXXX dropped it dropped another XXXX points. 

This has caused a negative effect on my credit. I want XXXX XXXX to correct the credit report and explain why my payment was increased without my knowledge. Especially since the payments was made in the correct amount for over months. Now I continue to get advertisements and I want that to cease and desist. XXXX XXXX even sent me a copy of the credit card that they closed.
Product: Credit reporting or other personal consumer reports

I am writing to express serious concerns regarding issues I have identified on my credit report. During my review, I discovered several inaccuracies, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are affecting my financial stability, and I urgently need your assistance to resolve them.
Product: Credit reporting or other personal consumer reports

Company hasnt mailed requested information validating closed accounts. Under FRCA ALL INFORMATION ON A CONSUMER REPORT MUST BE ACCURATE. REMOVE CLOSED ACCOUNTS, STUDENT LOANS ACCOUNTS NOT MINE REMOVE, XXXX XXXX ACCOUNT REMOVE NOT MINE. XXXX XXXX XXXX INQUIRY REMOVE I HAVVE NEVER SIGNED ANY CONTRACTS WITH THESE COMPANIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance Owed : {$29000.00} Consider this as a follow-up complaint to my previous attempt dated XX/XX/2023
Product: Credit reporting

In response to CFPB complaint XXXX Experian states they investigated fraudulent account on my credit report, only the result is even more errors on my credit report. 

1. Experian has been sent multiple times a copy of the Identity Theft affidavit from XXXX and has refused to act on it, this is a total disregard for their legal obligations under the California Fair Credit Reporting Act. XXXX and XXXX complied immediately, it is only Experian that refuses. I have again sent a copy of the affidavit and demand the fraudulent accounts be removed. 
2. As a result of their investigation Experian removed XXXX BANK XXXX XXXX and XXXX BANK XXXX XXXX accounts from my credit report XXXX which they mailed me. A week later I received a credit monitoring fraud alert, and XXXX these account have been re-inserted into my Experian credit report. It is extremely deceitful to remove these accounts from the report that I was sent and then immediately re-insert them, in addition I received no notification of re-insertion which is a violation of the FCRA. I demand these account be removed. 
3. As a result of their " investigation '' Experian updated XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX accounts to show bogus payments made in XXXX. Experian lists these accounts as Charged Off in XXXX, payments are not possible. Adding these false payments in an attempt to Re-age these accounts is a violation of FCRA and XXXX, Experian is required to report accurate information, I demand these accounts be deleted. 
4. As a result of their " investigation '' Experian updated XXXX BANK XXXX account to show 180 days late in XXXX of XXXX, when it also show Charged off in XXXX of XXXX. An attempt to Re-age these accounts is a violation of FCRA and XXXX, Experian is required to report accurate information, I demand these accounts be deleted. 
5. Experian continues to report address information that does not belong to me even after notifying them of previous identity theft. Experian is required to provide accurate information, by allowing this bogus address information to remain on my report they are increasing my risk for further fraudulent accounts, I demand they be removed. 

I have been trying to get this resolved for three years now, all other credit bureaus were willing to help, Experian refuses to comply with the law. 
I ca n't even refinance my mortgage because of Experian, I just want to get on with my life, if legal action for violations of the FCRA is the only way to motivate Experian to comply with the law then that will be my next step.
Product: Debt collection

Reports different amounts to XXXX, XXXX XXXX XXXX. Constantly adjust the amount by {$1.00} ( {$670.00} ) positive {$1.00} negative ( {$670.00} ) monthly. The account is being re-aged. The inaccuracy is damaging to my credit I have wrote many letters. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Debt collection

in XXXX, I sent a debt validation request to Eastern Account System regarding a {$280.00} collection account reported on my credit profile, originating from XXXX  XXXX XXXX. I requested proof of their legal right to collect the debt, a detailed breakdown of the balance, and documentation of my obligation to repay. Despite allowing sufficient time for a response, I have not received any acknowledgment or the requested information. The account remains on my credit report unverified, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : credit accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Chase added old, outdated information from my XXXX credit file into my current account information. They took XXXX historic phone numbers and at least XXXX historic address. They placed these numbers as active into my account. The historic address was listed as my current physical address. The historic information was from XX/XX/1999 or older. I never provided Chase with any of this information directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX XXXX regarding an account on my credit report. They are reporting that I was late, but I was never late. I have asked for validation and was never sent any historical data. I am asking for Sychrony bank / XXXX XXXX to fix this inaccurate information they are reporting to the credit reporting agencies. Their error is causing me extreme distress. The payment history on my credit report does not reflect a late payment. Actually, the data furnished is different between all XXXX bureaus and this is a violation of the FCRA because all data furnished should be the same. I am liable for compensation for false reporting, but at this time I am only asking for the late payment to be rescinded. I do expect a response within 15 days since it has been well over 45 days since my letter to this company.