23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, I work as a XXXX XXXX at a XXXX XXXX. Mohela is my loan service provider and I am 72/120 payments toward Public Service Loan forgiveness. I have had issues with Mohela taking a long time processing my account, accepting PSLF counts, and most recently updating my income driven repayment plan to the SAVE plan. I submitted an IDR application to switch to SAVE on XX/XX/year> and it was listed as " canceled '' without any explanation why this occurred. I was put on a Level standard repayment plan with a monthly payment of approximately XXXX dollars per month. I was then incorrectly placed on a financial hardship plan with a monthly payment of XXXX dollars a month. I have tried calling Mohela to see why this happened and I am often put on hold and not able to speak with a human being. When I do connect with a representative, it takes over an hour, and they do not know what went wrong. I was advised to resubmit my IDR application to switch to the SAVE plan. I submitted this application on XX/XX/year> and this again was canceled without notice. I was switched back to a Level plan with a monthly payment on XXXX. I can not afford this. I just want to be in the SAVE plan and complete my PSLF obligations. I am currently on hold with no feedback on what happened to my IDR application. I do not have time to keep calling and it is emotionally overwhelming to not know what I owe each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXX/XX/XXXX XXXX Balance : {$13000.00}XX/XX/XXXX XXXX Balance : {$25000.00} Medical XXXX Balance : {$120.00} If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

On XX/XX/22, eight fraudulent transactions were made on my Citi credit card ( totalling {$3600.00} ) within minutes of each other. I disputed all eight transactions with Citi within an hour. All transactions were from a website called " XXXX '' ). I have attested to Citi that I did not authorize these transactions and I have never delt with the website before. 

Strangely, Citi ruled against me on 4 of the 8 transactions ( totaling {$1900.00} ). There were a number of red flags they provided in their charge back evidence against me. 

Among the red flags were the tracking number the vendor ( XXXX ) provided. The tracking number was : XXXX. But in the middle of shipping, the tracking number changes to : XXXX. I received a small padded envelop that lists the tracking number and the value of the item. The vendor ( XXXX  ) was clearly just using the tracking number to say that they sent the items to me. 

I provided Citi with photo evidence of the envelop that was sent to me. Per the Citi fraud investigator, I sent the photos to " XXXX ''. But I have yet to receive a response. 

The other red flags in the evidence that was provided by the vendor ( XXXX ) : - Transactions made within minutes of each other - Made from another country ( XXXX ) -- IP XXXX - Email on transaction doesn't match one with citi : XXXX - Email client is unknown ( XXXX XXXX XXXX XXXX XXXX  )
Product: Debt collection

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of Wakefield Associates to report items on the credit profile. Being ill during the time of treatments, if out of network required treatment, nothing presented or explained during the time of visit. 

Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Product: Checking or savings account

On XX/XX/21 I reported fraudulent charges on my account and shut down my card. I reported the charges within 24hrs of noticing. I was given provisional credit and they investigated the claim. They said the charges were not fraudulent even though they were. I am covered my XXXX XXXX liability policy. I did everything I was supposed to do to report the fraud. They reversed my provisional credit and said I was liable. This is in breach of XXXX  XXXX liability policy and I will not be held liable for purchases I didnt make.
Product: Credit reporting or other personal consumer reports

I got an alert thru XXXX that Capital One was trying to run my credit without my knowledge thru XXXX. I never applied for credit from them.
Product: Debt collection

Multiple times per day, we receive phone calls from Diversified Consultants. They are apparently a debt collection agency, but we have no debts. We 've asked why they are calling us and there is no explanation. There are quite a few different numbers that they come from but as soon as we pick up the phone they hang up the call. We are trying to run a business but tending to these nuisance calls is really beginning to decrease productivity. We 've also missed other important calls while dealing with these. Many times we 've called back the number that calls us and each time we speak to someone and request that we be added to their Do Not Call list. They tell us that we are not on the list of numbers they have to call, but that is obviously a lie. Our phone number is  XXXX  and it is listed on the state and federal Do Not Call Lists. The last harassing call we received was from   XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

We have tried to get this issue resolved in XXXX of this year I have no knowledge of these items or inaccurate information as My information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I have solid proof your breach caused these false items to appear on my report. You are reporting negligently and inaccurately and failing to comply with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Error not corrected! - XXXX  XXXX Bankruptcy on XX/XX/2022. XXXX XXXX was notified on XX/XX/2022, see attached document. Equifax was notified of my Bankruptcy filing by my dispute on XX/XX/2022, see attached document. Equifax failed to update both of my XXXX XXXX accounts to the accurate balance of {$0.00}, XXXX  XXXX date of XXXX, no lates, no past due, no charge off. This is a FCRA violation as well as a violation of the automatic stay provided by Bankruptcy. On XX/XX/2022 Equifax sent me a letter that my dispute was processed and the information of charged off Credit card account, balance of {$13000.00}, with 1- 30 day late, 1-60 day late and 22- 90 days late was accurate ( this is NOT ACCURATE ). This is FCRA VIOLATION as Equifax had a copy of my bankruptcy petition which included both XXXX XXXX accounts, the credit card account and the personal loan account. Equifax failed to conduct a reasonable investigation of my dispute! Equifax has continued to report inaccurate information of credit card account even though they have been property notified 3 times now.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Investigation and Correction of Inaccurate Late Payments on Account # XXXX Dear CFPB, I am writing to dispute inaccurate late payment information reported on my credit report for the above-referenced account, held with XXXX XXXX. Upon reviewing my credit report from Experian, I identified discrepancies in the reporting of late payments for XXXX, XXXX, and XX/XX/XXXX. These late payments do not align with my payment history. To the best of my knowledge and records, I have consistently paid this account on time. 
Account Information Account Number : XXXX High Balance : {$390.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : -- Account Status : Closed Payment Status : Late 90 Days Two-Year Payment History : Late payments reported for XXXX, XXXX, and XX/XX/XXXX. 
Request for Investigation Pursuant to the Fair Credit Reporting Act ( FCRA ), I kindly request : A detailed investigation into the inaccuracies in the reporting of late payments for XXXX, XXXX, and XX/XX/XXXX. 
Documentation or proof supporting the claim of late payments, including specific dates, amounts, and any relevant communication. 
A description of the investigation process followed, as required under 15 USC 1681i ( a ) ( 7 ), within 15 days of receiving this dispute.

If no valid proof of late payments is provided, I demand that my credit report be updated to reflect the accurate status of " Paid As Agreed Never Late. '' Thank you for your attention to this matter. I look forward to your response within 30 days. Attached is a copy of my credit report for reference. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Credit Control LLC Is trying to collect a debt past the statue of limitation that is 15 year old I live in CA which is 4year Moved to MO XXXX there in MO is 6 year Just got a mail from there want XXXX on a card that was what the bal. is the bank is close I think ( XXXX Bank in XXXX ) then sold to XXXX bank then was sold to XXXX They can not try to collect past the statue of limitation that old I have letter that it was charge off XXXX please help they have reported as XXXX XXXX XXXX this should have been moved I check my credit report and it still there
Product: Credit reporting, credit repair services, or other personal consumer reports

We both have this joint account on this car loan. And my name is on that car and i need to get it off. And no one will help me. The people we financed it with won't let me have access or get my name off even tho my name is on it not just his and when it comes to that account when I check my credit score I can't even access the full report. He has full access I don't and I want to know why.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My current address is XXXX XXXX XXXX XXXX XXXX XXXX My phone number is XXXX XXXX  All other info is outdated and inaccurate and should be removed from my reports from all three credit bureaus. 
No alias names should be included. 
Remove all previous addresses.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Formal Dispute Regarding Late Payments on XXXX  XXXX Account Dear CFPB, I am writing to formally dispute inaccuracies in the reporting of late payments on my XXXX  XXXX account, as reflected in your records. This is my second dispute regarding this issue, and despite my previous submission, no corrections have been made. I kindly request that you re-investigate this account in accordance with the Fair Credit Reporting Act ( FCRA ). 
Reason for Dispute The reported late payments for this account are inconsistent with my records, which show that I have consistently made payments on time. Specifically, the reported XXXX, XXXX, and XXXX late payments reflected in your records ( XXXX instance of 30 days late, XXXX instances of 60 days late, and XXXX instances of 90 days late ) are incorrect. I have attached supporting documentation, including account statements and a detailed payment history, proving my timely payments. 
Evidence of the Error I have reviewed my payment history thoroughly, and it demonstrates the following : All payments were made on or before the due date. 
There is no evidence of late payments in my account records. 
My previous dispute outlined the same inaccuracies, yet your records remain unchanged. 
Request for Investigation As mandated by the FCRA ( 15 USC 1681i ( a ) ( 1 ) ( A ) ), I request a thorough investigation of this account. Additionally, I am requesting the following : A detailed description of the investigation process you followed for my previous dispute. Per 15 USC 16811 ( 7 ), you are required to provide this information within XXXX  days of my request. 
Proof supporting the claim of late payments on this account, including dates, amounts, and any relevant communication. 
If you can not verify the accuracy of the late payments, I demand that the account be promptly updated to reflect its correct status : XXXXid As Agreed Never Late.

Reference to Legal Obligations Under the FCRA, credit reporting agencies must ensure the accuracy of all reported information. Additionally, per 15 USC 1666 ( b ), creditors are required to mail periodic statements at least 21 days before payment due dates. I demand evidence that these obligations were met. 
Resolution Timeline Per the FCRA, you must complete your investigation and provide me with a written response within 30 days of receiving this dispute. Failure to comply will constitute a violation of federal law. 
Supporting Documentation Enclosed, you will find the following : A copy of my Social Security Card for identification purposes. 
A copy of my government-issued photo ID ( Drivers License/Passport ) to verify my identity. 
A copy of my credit report highlighting the inaccuracies. 
I expect prompt action to rectify this matter. Your cooperation is essential to maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW OWN OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). THIS IS UNAUTHORIZED REPORTS ON A PUBLIC CREDIT SCORE. WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. I HAVE REPORTED THESE COMPANIES THIS WEEK. THIS CORRESPONDENT IS FOR THE VIOLATIONS THAT XXXX, XXXX, AND EXPERIAN HAVE COMMITED. PURSUANT TO 15 U.S.C. 1681 ( n ) ( a ) ( 1 ) IT IS A {$1000.00} FOR EVERY VIOLATION. I DEMAND TO BE COMPENSATED FOR DAMAGES ASSOCIATED WITH THE 3 CREDIT AGENCIES LISTED.
Product: Credit card

I am reporting a fraudulent credit card account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft. 

Details of the Fraud : The credit card account was opened on XX/XX/XXXX by Capital One. 
The account appears on my credit report with a balance of {$6100.00} that I did not incur. 
I first became aware of this fraudulent account on XXXX XXXX XXXX when I reviewed my credit report/received a notification. 

Actions Taken : I have reported this identity theft to the FTC at IdentityTheft.gov, and my FTC Identity Theft Report number is XXXX I have also contacted the credit bureaus XXXX XXXX XXXX XXXX XXXX  ) to place a fraud alert on my credit file. 
I have reached out to Capital One to dispute the fraudulent account, but they have not resolved the issue.
Product: Credit card

On XX/XX/XXXX I received an estimate to have water proof laminate installed in a home I'm not living in. I accepted the proposal, not realizing the salesman wrote the wrong color floor on the order, you don't receive a paper copy of the estimate it's only on XXXX. On XX/XX/XXXX a friend let the installers into the unoccupied home, I was preparing the home so I could move in, not realizing the floor installers would need to be supervised. Since I'm not living there I went on XXXX to take a look at the job, to find the wrong color floor was installed with the correct trim, they left metal anchor plates for the bannisters exposed rather than covering them with flooring, they cut back the carpet from the trim too short, they took a trash can that had a bag of sand in it dumped the sand in the mulch bed, XXXX  int he empty trash can and left it in the home, stole items from the home. I immediately started to call XXXX XXXX XXXX to rectify the matter, and was constantly getting disconnected or hung up on. They have refused to acknowledge the XXXX, the theft of items, the incorrect color flooring and state that the exposed metal plates are against federal law to cover. I contacted Synchrony Bank to file a dispute to no avail, they state that they spoke to someone about the matter and everything had been resolved, when nothing has been resolved. Synchony Bank is also unwilling to do their due diligence, they need to actually investigate rather than just take the word of a shady floor company. I'm a grieving widow that has been trying to get my life back together and move forward, I feel like I've been taken advantage of by both XXXX XXXX XXXX and the bank and no one is doing anything to fix it. Everything is stalled at this point, I can't get painting done until the floor situation is fixed.
Product: Vehicle loan or lease

**Subject : ** Failure to Provide Proper Notice Following Vehicle Repossession Mechanics Bank, I am writing to formally address serious violations of California repossession laws concerning my vehicle, which was recently repossessed. As outlined under **California Civil Code 7507.9**, I am entitled to receive : 1. A **Notice of Seizure** within 48 hours of the repossession, including details about where and how to retrieve my personal belongings. I DID NOT RECEIVE THIS 2. A **Notice of Intent to Sell** at least 15 days before any sale of the repossessed vehicle. I DID NOT RECEIVE THIS To date, I have not received either notice. Additionally, I contacted Mechanics Bank on XXXX and spoke with XXXX, with whom I had been previously dealing, on a recorded call. I requested information about where my vehicle is located so I can retrieve my personal belongings. XXXX stated she would transfer me to the appropriate department, but I was not given the name of the department, and no one answered my call. 

These failures to comply with California Reposswsion law are unacceptable and have caused unnecessary stress and financial harm.

I am requesting the following : 1. Immediate written notice with the location of my vehicle and instructions for retrieving my personal belongings, free of any excessive or unreasonable charges. 

2. Confirmation of compliance with all additional legal requirements regarding the repossession of my vehicle. 

If I do not receive this information promptly, I will have no choice but to escalate this matter by filing complaints with the XXXXXXXX XXXX XXXX XXXX XXXX and XXXX ( XXXX ) ** and the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) **. I may also seek legal remedies to ensure that my rights are upheld and to recover damages caused by this unlawful conduct.

I expect a response no later than reasonable deadline, e.g., five business days from date of complaint Let me know if you need further edits!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I opened a second dispute of Goldman Sachs with XXXX and XXXX. I submitted proof to XXXX that I sent a verification letter to Goldman Sachs and they did not respond within 30 days. XXXX notified me that their investigation was complete on XX/XX/2021 and the negative reporting of Goldman Sachs remains on my credit report.
Product: Credit card or prepaid card

When my wife XXXX XXXX passed away last year, I closed this account as a authorized user not a joint account owner. I received a letter they can not prove I was an joint owner. However, my credit report still shows me as the responsible debit owner. I like this corrected, and have files disputes with Chase Credit Card and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federallv protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXXXXXX XXXX  : # XXXXXXXX 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 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 XXXX vears. 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: Debt collection

As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts.

In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692g Section 809 ( 8 ), the Consumer is requesting verification from you ( FDCPA ).

In addition, the preceding customer REQUIRES the items listed below : Account Name : LVNV FUNDING LLC Account Number : XXXX