23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted a complaint on Saturday XX/XX/XXXX regarding this issue with the DOE but I called MOHELA to discuss -- once again -- being given the wrong information and instructions. XXXX or XXXX with Mohela told me to go to the FSA site on XXXX  XX/XX/XXXX and complete an add a loan form to combine the direct loans they received from XXXX XXXX. I received notification from Mohela regarding the transfer on Saturday XX/XX/XXXX! I knew they transferred because I received notification from XXXX XXXX and went on Mohela 's site and saw they were there. The add a loan form says you can only add a direct loan to a consolidation loan within 180 days. My consolidation loan was processed on XX/XX/XXXX. 180 days would have been XX/XX/XXXX! Mohela didn't even have possession of the loans for me to request they add the loans! I've been begging Mohela to obtain the direct loans from XXXX XXXX since this past summer. They only recently requested them and we had to get a supervisor to get that done! Is it my fault that they didn't receive them until after the 180 day cut off date? They knew about the direct loans at XXXX XXXX for months and did nothing! I called today and discussed with the first MOHELA agent who spoke with a supervisor and said she tried to advocate for me but the supervisor said " there is nothing they can do. '' Really? I am beyond frustrated! I'm sick and tired of being given the incorrect information and having set backs as a result. I know there is someone who has the authority to overturn this terrible decision. 

I recently spoke with an Aid-Vantage representative XXXX on XX/XX/XXXX who sent a message to, I believe she said XXXX. I had XXXX a supervisor with Mohela on the phone with me and she has opened a case at Mohela as well as DOE. Ive sent XXXX XXXX complaints. XXXX explained that I could have filled out the add a loan form while the direct loans were still at XXXX XXXX, but the only way I found that out is by asking today. I was wrongly instructed by Mohela when inquiring about having the direct loans from XXXX XXXX transferred over that I didnt have to worry about it that they would request them and that the loans could be added together to reflect them same counts. Its not my fault that I inquired about it when I noticed that they were not combined and was told to still complete an add a loan form last Friday, only to see on the form I had 180 days from XX/XX/XXXX. It would have been impossible to know, as I didnt even get notice from Mohela until last Saturday. It was already too late. Its almost like they do it on purpose. I actually had the Mohela XXXX tell me she was advocating for me in XXXX breath, then basically telling me DOE didnt give instructions to add direct consolidation loans together ; probably because they do not want us to be able to get the earliest counts with more recent loans, however, I know it couldve been done had MOHELA not given me inaccurate information..
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate debt collection Item was first disputed in XX/XX/2020 was successfully deleted from my credit report. Later returned in XX/XX/2020 disputed again in XXXX to XXXX  but was not removed, mailed certified letter to collection agency AFNI , INC. on XXXX XXXX ; for debt validation no response received within 30 days. Contacted XXXX  in XX/XX/2020 to have inaccurate information removed and it has not been completed. AFNI, INC. {$820.00}.
Product: Mortgage

Truist has been updating me weekly that they are still working on my account. The last call was on Monday XXXX and noted they'd call me on XXXX with an update/final but did not. 

I am now receiving notices that they sold my loan to XXXX XXXX XXXX  active as of XXXX. XXXX XXXX XXXX sent my welcome email dated XXXX followed by a delinquent notice dated XXXX. They've also been to my home and placed a hand written envelope labeled Confidential in sharpie marker on my doorstep. 

I am attaching attaching all including a rejection letter from Truist as to why they aren't correcting my credit reporting. 

I'm beginning to fear for my safety due to letter at my doorstep and on going harassment by mortgage lenders. Has Truist sold my loan during an investigation to avoid accounting for where my loan payments have been applied? 

Regards, XXXX XXXX
Product: Debt collection

I am writing to request verification of a debt that has been reported to credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt. 

Details of the debt are as follows : Creditor Name : XXXX XXXX Amount of Debt : {$690.00} Date of Last Activity : Unknown I am requesting verification of this debt, including but not limited to : 1. Documentation establishing the validity of the debt.

2. Verification that the debt collector has the legal right to collect the debt.

3. A copy of the original debt purchase agreement between the original creditor and the debt collector, including all the terms and conditions that are included in the debt purchase agreement.

Please provide the requested verification within the timeframe prescribed by law. I understand that failure to provide verification may result in the removal of this debt from my credit report.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account name XXXX XXXX XXXX XXXX  account number 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 or other personal consumer reports

The loan was in forbearance when they reported my late payments. They also charged late fees. Failing to review borrowers applications for loss mitigation options within 30 days. They received my application back on XX/XX/XXXX, and nothing was done. I had to submit a second application on XX/XX/XXXX. I took them over a year to respond and nothing again lead to have to apply again and it took more than 30 days for a response. I have attached the whole timeline
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/2019 2.  XXXX XXXX XX/XX/2019 3. XXXX XX/XX/2019 While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/2019 2. XXXX XXXX XX/XX/2019 3. XXXX XX/XX/2019 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This isa violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

Experian furnished negative payment history on my credit report without any written consent or instructions from me, and without a subpoena from federal grand jury. 

- 15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) In general - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : - ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

Per 15 USC 1681g ( a ) ( 5 ) a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

They reported 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Per 15 U.S. Code 1681 - Congressional findings and statement of purpose Experian has ASSUMED the role in assembling and evaluating consumer credit and other information on consumers.

Per 15 U.S. Code 1681n ( b ) - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

I am seeking damages up to {$50000.00} for the 19 negative transactions furnished to my credit report, for the adverse actions that continue to arise because of their negative reporting and for the physical harm it has cause my family and I. I will also be filing a complaint with FTC.gov
Product: Debt collection

Cosumer portfolio Svc XXXX XX/XX/2016 {$13000.00}. This accounts is an result of fraud. please investigate
Product: Credit reporting

I have contacted Transunion multiple times to inform them that they are reporting someone else 's Public Records information on my credit file. Some of these Public Records are outdated : XXXX was filed XXXX XXXX, XXXX and another was filed XXXX XXXX, XXXX. There are also XXXX others that are more recent but are not mine. I have also contacted the courts to see if they provided Transunion with this inaccurate information and they stated " No. '' Please see attachments. I need your assistance in getting this matter resolved and removed from my credit file.
Product: Credit reporting or other personal consumer reports

I submitted XXXX disputes to Experian. None of the disputes have been investigated. I spoke with a representative that and they confirmed the that I was sending the disputes to the correct address. Please see the following for the dates the disputes were sent : XX/XX/2024 XX/XX/2024 XX/XX/2024
Product: Credit reporting or other personal consumer reports

Stated in 15 usc 1681a ( 2 ) Any transactions between creditors and the consumer should be excluded from consumer profile. I have transactions reporting and should be deleted from my consumer profile within 10 days or the next steps will be legal for breaking the law. See below for the law and accounts that need to be deleted. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The CFPB provided a XXXX interpreter named " XXXX '' XXXX # XXXX XXXX to help me with this complaint. 

I want to audit my HSBC accounts, before XX/XX/2021, to account for the missing {$1500.00}. 

If HSBC wishes, please speak to me directly through a XXXX interpreter. 

On multiple occasions, HSBC had verified that my son could speak on my behalf. But, HSBC is not keeping their word ; thus, I request HSBC, if it wishes, to send me an HSBCs own Power of Attorney form to my home address. 

XXXX XXXX XXXX and XXXX XXXX XXXX at HSBC had never mentioned that HSBC, like most California banks, had their own Power of Attorney forms. 

REGARDLESS, I was the account holder, and I have every right to examine my XXXX accounts after they are closed ( according to an XXXX representative, after " up to XXXX years '' ). 

In XX/XX/2021, HSBC claimed the remaining balances totaled {$1700.00}. In XX/XX/2021, HSBC claimed the remaining balances now total {$1900.00}. 

According to my calculations so far, the remaining balances should total around {$3300.00}. 

I am aware of the fact that HSBC has made mistakes regarding their customers deposits XXXX documents available ).
Product: Credit reporting or other personal consumer reports

This is my second endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ; 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 XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$8800.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$940.00} ; XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$710.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$8800.00} ; XXXX XXXXXXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting

I was hired by a company with a US office in New York and the home office in XXXX as a Purchasing Manager. I bought gift cards from local merchants and sent the to XXXX. The company purchased them from me by routing payments to my credit card. 
Now the gift cards are empty and the company is taking the payments back through XXXX in NY. I 'm now out {$42000.00} on one card and {$72000.00} on the second.
Product: Debt collection

I have three collection accounts with Harvest Associate. I sent a request for validation of these accounts several times to this agency. They refuse to send me anything. I have medical insurance and met all of my deductions. This is against the law. These are Erroneous accounts
Product: Debt collection

i purchased a XXXX vacuum cleaner from XXXX XXXX XXXX XXXX and i also contacted united consumer financial services company i talk to XXXX at XXXX and he told he needed a copy of my ss XXXX letter and a doctors note why i cant use the XXXX so i faxed it to him and he faxed it to XXXX   the girl called me and she said she would be here this past thursday and she never showed up to pick up the vacuum they only gave us 3 days to cancel the cancel date was XX/XX/19 and my first payment would be in XXXX i only used it twice i cant pick it up and move it room to room and i told XXXX when i called them and they were nasty about it XXXX called today on XX/XX/19 and asked me what was going on and i told them so i have to call XXXX  on monday to see what they are going to do when i called XXXX before the girl told me to sell it to someone and try to pay it off thats not what a business does so i need them to come get it and take it off my credit report and come pick it up they are being very nasty about it
Product: Credit reporting or other personal consumer reports

To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX. Account XXXX account that's being reported on my most recent credit report. Upon challenging this, Transunion ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions, I 've been in contact with the credit bureaus about this particular account that is registered under my name. I 've tried disputing with  XXXX ,  XXXX , and Experian with no avail. I 've requested for  XXXX   XXXX  to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Secti  on 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me.
Up to this point, I 've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ).
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty -day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Florida ; 5. proof of the last payment made on the account.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is accusing me of having an account with them. I first started sending them debt validation letters starting XX/XX/XXXX. Capital One responded XX/XX/XXXX, stating that they " received a internet application from me, on XX/XX/XXXX and the last payment on the account was on XX/XX/XXXX for {$630.00} ''. I sent Capital One a proof of contract letter on XX/XX/XXXX. Capital One responded on XX/XX/XXXX stating that " unfortunately the do not have a copy, paper copy or signature copy of any account with them. Capital One is Accusing me of a debt that I never had and they do not have proof of contract that I even applied for the services. To add to my hard times Capital One Negatively affecting my credit reports and score. They have now sold the debt to XXXX XXXX XXXX XXXX XXXX ( PCA ) XXXX XXXX XXXX XXXX XXXX XXXX Harassing me for a debt of {$520.00}.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I was trying to apply for a loan and was told that I have a 30-day or more late payment with Mr. Cooper ( XXXX ) on my credit report for XX/XX/XXXX, which is impeding my load application. I dealt with this issue for several weeks with Mr. Cooper in XXXX XXXX XX/XX/XXXX. I placed a dispute through the XXXX major credit reporting agencies and made a formal grievance through the Consumer Financial Protection Bureau. 

In XX/XX/XXXX, my husband, XXXX XXXX paid Mr. Cooper {$2800.00} ( when Mr. Cooper had a security breach ). I found out in late XXXX XXXX that the XXXX payment was not received by Mr. Cooper, even though my bank, XXXX, stated that they paid an online bill ( see attached letter from Chase ). After going back and forth with Mr. Cooper, it was determined that the check sent by my bank, XXXX, was never cashed by Mr.Cooper.Mr. XXXX told me that when I made my XXXX payment, it was used as my missing XXXX payment. After finding out that the XXXX payment was never received, I immediately stopped payment on the check sent in XXXX and sent Mr. Cooper another check for {$2800.00}. 

I have always made timely payments to Mr. Cooper. Mr Cooper informed me that this issue would not negatively impact my credit and that my account would not reflect any late payments. I received the included letter from Mr. Cooper on XX/XX/XXXX, stating that an update was submitted to the credit reporting agencies ( see attached letter ). I am finding out from XXXX, XXXX, and XXXX that Mr. Cooper never notified them to update my account as current, in good standing, with no late payments, or missed payments.Please advise. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX