23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I just logged in to Mohela 's old student loan platform/portal and am now receiving notification that all my student loans that I had been paying for over 20 years had been forgiven and received the letter. I log into Mohela 's new student loan platform/portal and it says I owe on a loan that was issued within the time period student loan forgiveness was granted/covered. 

XXXX. Why is Mohela trying to collect on a loan that should have been forgiven based on its history? 
XXXX. Where did they get this information from because I never saw this online or received in US Postal mail? 
XXXX. I attended this school over 20 years ago. 

XXXXXXXX XXXX XXXX  - Subsidized School - XXXX XXXX XXXX Loan Status - Repayment Estimated Payoff Date - XXXX/XXXXXXXX Repayment Plan - Extended Repayment - Level/Fixed Amount Due : {$500.00} Interest XXXXXXXX XXXX  Date Due : XX/XX/year>
Product: Debt collection

1.I have never had an account with this company CREDIT COLLECTION SERVICES , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CREDIT COLLECTION SERVICES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a  XXXX   XXXX  charge off listed on my credit report.    XXXX   Purchased  my  XXXX   XXXX   XXXX  landline service. My payment went to  XXXX   XXXX   XXXX  but during an Audit  XXXX  identified my account as 180 days late from the Purchase date from  XXXX   XXXX   XXXX  to  XXXX    XXXX  .   They listed th e 180 lat e on my credit report.   I called  XXXX  and was on the phone with them for ove r 1 ho ur while they tried to figure out what happened. They confirmed they received the payment and was going to remove this from my credit report.   I get a new credit report a few weeks later and  XXXX  has changed t he Status to a Charge off.    I called  XXXX   XXXX  and they said the account is paid off and not a charge off but are not going to correct my credit report. The gave me a letter and told me to work with the credit bureaus. The Credit bureaus all said they researched the issue and confirmed from  XXXX  that it was a charge off.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your companys failure to comply with federal consumer protection laws. This dispute is in direct reference to the recent enforcement action taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian for engaging in sham investigations and failing to properly address consumer disputes. 
It is unacceptable that Experian, as one of the largest credit reporting agencies, continues to violate the rights of consumers under federal law. I demand that you immediately investigate and correct the inaccuracies in my credit report and provide a detailed explanation of your findings. 
Failure to do so will result in further action, including filing a complaint with the CFPB and pursuing legal remedies. 
Below, I cite XXXX key federal laws under 15 U.S.C. that Experian is legally obligated to comply with : 1. 15 U.S.C. 1681c Fair Credit Reporting Act ( FCRA ), Section 605 This section mandates that outdated and inaccurate information must not be included in consumer credit reports. Experians failure to remove or correct such information violates this provision and harms my creditworthiness.

2. 15 U.S.C. 1681e Fair Credit Reporting Act ( FCRA ), Section 607 This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Experians sham investigations and failure to properly address disputes demonstrate a blatant disregard for this legal obligation.

3. 15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ), Section 611 This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. XXXX pattern of conducting inadequate or sham investigations, as highlighted by the CFPBs enforcement action, is a clear violation of this law. 
CFPB vs. Experian Lawsuit As a result of the CFPBs lawsuit, it was revealed that Experians practices included : Failing to investigate disputes thoroughly or to correct inaccurate information as required by federal law. 
Relying on incomplete or outdated data from furnishers without performing due diligence or verifying the accuracy of the information. 
Engaging in unfair dispute resolution processes that harm consumers by providing misleading or contradictory results letters. 
Reinserting inaccurate information into credit reports after it had been removed. 
These practices are not only in violation of the Fair Credit Reporting Act but also demonstrate a systemic failure to protect consumers rights.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. The account XXXX XXXX XXXX is removed from my XXXX and Equifax but still showing up on my XXXX credit report. Please correct these inaccuracies on my my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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 or other personal consumer reports

As of XXXX XXXX XXXX they have not updated my credit information which is providing and accurate information which is a violation of my rights on the 15 USC 1681 And I have to providing this information they have still refused to do anything about it and to give me an updated XXXX XXXX see my attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I ( XXXX XXXX ) paid off my XXXX  Student Loan dept in full. Until this day of XXXX XXXX it is still reporting an open balance {$1600.00} as of XX/XX/XXXX. 

2 issues, the balance is incorrect and the last update was back in XXXX. It is showing closed But when I try to go and apply for a loan it is still showing that I owe that amount on there end I have contacted both XXXX XXXX and XXXX XXXX loan and yet the issue still have not been resolved. I need immediate action to be done. Ive sent out letters back to back to XXXX, us department of education, transition, experience and XXXX  XXXX  and waited on a response, still nothing has been done!
Product: Mortgage

On XX/XX/XXXX I called cardinal mortgage to inquire about the HAF fund that was allocated to and my husband to help in a loan modification process. The reason I called was because my new servicer XXXXXXXX XXXX stated they could not locate the HAF fund that was received, the fund was never transferred to my new loan servicer though it was received On XX/XX/XXXX, XXXX XXXX contacted Cardinal regarding the receipt of mortgage assistance funds in the amount of {$60000.00} from the Maryland Homeowner Assistance Fund ( HAF ) agency. XXXX XXXX was advised that Cardinal received and forwarded said funds to the Cash Department for processing. ( Per prior complaint response from Cardinal made in XXXX. ) the fund was never transferred and Cardinal confirms receipt to the HAF department on XX/XX/XXXX per HAF. 
The fund was received prior to transfer and was never transferred and cause a delay in my partial claim process. The new servicer XXXX XXXX is not willing to wait for the fund and sent me a modification which will cause my interest rate to increase. The HAF fund would have allow me to benefit for a partial claim which would have caused my interest rate to remain the same. 
It seems as if this is plan by both mortgages to increase my interest rate especially for XXXX XXXX to benefit more from my loan. 
I have been asking where is the fund, HAF has no record of the fund being returned to them. Cardinal is unable to tell me where is the fund. 
XXXX XXXX sent me modification paperwork to sign 14 days from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXXXXXX XXXX XXXX inquiry on XX/XX/2022 ; XXXXL inquiry XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX  inquiry on XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX XXXXXXXX XXXX inquiry on XX/XX/2022 ; XXXX inquiry on XX/XX/2022 and there is US DEPARTMENT OF EDU XXXX XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.
Product: Vehicle loan or lease

I XXXX XXXX did an application in good faith and extended my credit under the impression that I would leave XXXX XXXX car lot with a car. 
Global lending was the bank that pre-approved me for said loan. 
Once the car salesmen XXXX came back to me after submitted my application, he stated that they would need a down payment of $ XXXX {$1000.00}. 
But the XXXX advertisement that XXXX XXXX posted on said nothing about a down payment. The false Ad stated they could put you in a car no matter what XXXX down if not then they'll pay you {$500.00} if they couldn't. So, I left the lot due to him asking for a down payment. Once I made it home, I called global Lending Services and spoke with a few people. I needed my application number. I went back to the dealership to get my application number. The owner XXXX XXXX gave me the run around about my application. We proceeded into a conversation i stated that they were in fact breaking the law. Once I made it back home, I called Global Lending again. The down payment had drastically changed to {$8000.00}. The last person I spoke with stated that I did in fact get an approval for {$20000.00} but also stated that Global Lending did not in fact require a down payment of {$8000.00}. He stated that the dealership was asking for said down payment. My Question is where is my CAR!!! Due to the fact that I extended my credit in good faith and received nothing from it is a VIOLATION of my consumer rights due to the fact that my credit alone is in fact my payment. From my understanding the dealership can not charge extra fees during a CREDIT TRANSACTION. I have not received any benefit and this is an issue that needs to be fixed immediately. 
They also never received my consent to pull my consumer report that is only for criminal background reporting anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

This is the 3rd time I am submitting this complaint through CFPB. The reason for this is because I opened a new case from wells fargo last week to look into refunding back my stolen money that happened on XX/XX/year> and the total money that was stolen from me is {$4500.00} which wells fargo would not acknowledge to give back to me. I have provided a lot of evidence to prove that all the transactions were illegally charged on my checking account without my authorization. I did all the necessary steps needed on my part to try to prevent this but still, wells fargo after multiple attempts to dispute the charges, are still not resolved. The new case that was re-opened on wells fargo was on XXXX XXXX ( last week tuesday ). I was informed that a case manager will be assigned to my new case that was opened within 24-48 hrs. It has now been close to a week since then, I keep on calling every single day since XXXX XXXX to check in for an update and talk to the case manager assigned to my case and each call, I was informed the exact same thing, " We will note down that you called and we will be sure to let the case manager assigned to you to give you a call back today or tomorrow ''. This same convo has been happening every single time that I called and still nobody is assigned to my case to handle it. I called the executive branch at wells fargo again today and I was still informed that there is a delay and somebody will reach out to me soon. I have been frustrated since I have to send a lot of time sensitive documents to them so they can further investigate my case and see about refunding me back my stolen money. This whole process has been time consuming, stressful and has impacted my life very negatively to know that my bank, who I have been with for more than 10 years with no issues, DOES NOT have my back when my checking account was compromised. I feel like there has been no real support from wells fargo and now here I am again going to CFPB to file this complaint so somebody from wells fargo will be assigned to me, rather than me waiting on wells fargo and try to call them everyday. I have attached all the documents needed for this case investigation so Wells fargo can further look into my case. 
I also attached a document outlining the complete timeline of the fraud charges incident and all the steps and actions I have taken to prove the illegal charges that happened on my checking account.
Product: Credit reporting or other personal consumer reports

I write to dispute the inaccurate credit reporting regarding incorrect furnisher account information from XXXX XXXX XXXX specifically the account titled XXXX XXXX XXXXXXXX, Account # XXXX. 

I have disputed this account directly with the bureaus in the past with no success.

This is not my account but my fathers account. My father and I have the same name first and last name. I have a different middle name than my father as well as a different social security numbers and DOB 's. I did not open this account nor incur the charges and negative remarks associated with this account. Please remove this account and any derogatory information associated with it from my credit report.
Product: Student loan

I have had NelNet as a student loan service provider for 23 years now. 20 of those years I have had consolidated loans and every year I send in my payment plan renewal for the Income driven repayment plans. EVERY YEAR not just once or twice but for the last 20 years when submitting my forms they email me and make me resubmit them twice or even three times saying they never got them.. When my spouse and I divorced 10 years ago it became a bigger nightmare to fight with them because then I had to find him and have him sign his information which I have to submit every year twice or three times. If I call them I get the run around oh we didn't receive this or that or you have to resubmit this it takes them 6 months got get my payment plan in place and THEN several years I found out they only put it into forbearance the didn't actually apply my payment plan. This year I have had enough. I submitted my IDR request paper work TWICE once in XXXX when they sent my requalification and again in XXXX. I have sent in paycheck stubs twice and my ex husbands co maker stuff twice and NOW they are calling me because I owe them XXXX come XXXX. I have submitted everything to them per request. I have emailed their help desk to which I get a response we don't have documentation and I resend the same documentation I have sent before I save it as proof of when I sent it in. 23 years ..... I am tired of the run around, I am working I submit the paper work for my IDR plans and THEY can't do their job. I don't know if I am the only one but its a joke and something needs done!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXXXXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX, IL XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Owed : {$300.00} ; XXXX ( Original Creditor : XXXX ) XXXX BalanceOwed XXXX {$410.00} ; XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX ; XXXX XXXX  XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Manager Capital One ; Hi & How are you doing? Im a little confused about how the late payments are reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX