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

Subject : Request for Removal of Late Payments Under 15 U.S. Code 1681i, 1637 ( b ), and 1681s-2 Dear CFPB Members, I am writing regarding my account with XXXX XXXX  ( account number : XXXX ) to request the removal of three late payments reported on my credit history, specifically in XXXX and XXXX of XXXX and XXXX of XXXX. 

Under 15 U.S. Code 1681i, I have the right to dispute inaccurate information on my credit report, and under 15 U.S. Code 1637 ( b ), I am protected in my rights as a consumer to receive accurate information about my accounts. Additionally, according to 15 U.S. Code 1681s-2, creditors are required to report accurate information to credit reporting agencies. In this context, I request that my circumstances be reviewed and that consideration be given to the removal of these late payments, as they have negatively impacted my credit score.

I am willing to provide any additional documentation that may be necessary to support my request and facilitate the review process. I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Hi, I financed a XXXX XXXX in XX/XX/XXXX XXXX Hyundai Motor Finance company. Unfortunately, my car got totaled in XXXX of XXXX. My insurance paid off the loan, since it took about a month to pay off, I also made my regular payments. At the end, I ended up in overpaying of {$900.00}. I asked for a refund, Hyundai Motor Finance agreed. They said, they mailed me a check, I didn't receive it, when I called they said, it'll take 3 months wait time, I have requested to cancel that check and send me another one. They agreed too. Then they said, they have cancelled the check and mailed me another one. To day ( XX/XX/XXXX ), I didn't receive it yet. I called them again, they said, they mailed on XX/XX/XXXX and asked me they can cancel it and send me another one. I don't understand what's the point of sending another one? I'll miss that check again but I'm not losing any other check, only missing mail is from Hyundai Motor Finance! I'm wondering if they are really mailing the check or just telling me? I should have my overpaid money by now, it's been 6+ months. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient continues to report my student loans as delinquent in spite of the court ruling they were the result of fraud.
Product: Student loan

My student loans have been mishandled by Mohela. Mohela has failed to inform, process, and render decisions for me, particularly pertaining to my enrollment in the Public Service Loan Forgiveness program. Despite Mohela being the designated PSLF servicer for over a year before student loan payments were scheduled to resume ( following the COVID-19 pandemic relief efforts ), Mohela has not provided me accurate payment amounts in a timely fashion, has not responded to my phone or email inquiries in their published timeframe, has provided me CONTRADICTORY information regarding forbearances and payment counts, and is now failing to take accountability citing a lack of support from the Department of Education . Mohelas delays, inaccurate and untimely payment information, and inability to provide me with accurate information surrounding my loans and the PSLF program breach its responsibilities and duties. Inaccurate payment counts towards the required 120 payments for PSLF have been questioned by me ( either via phone or email/online chat ), and requests to be removed from forbearances that I did not consent to have been ignored or delayed such that a loss in ability to make qualifying payments has occurred. After being forced into a SAVE-related forbearance, Mohela was unable to process IDR-plan applications except for the Income-Based Repayment ( standard IBR ) option, leaving borrowers only one option for a payment plan that counted towards PSLF. A borrowers Defense Application was submitted by me to the Federal Student Aid in XXXX XXXX XXXX and as part of that application I requested ( documented in a saved copy of the signed application ) NOT to be placed in a forbearance so that my payments ( even the {$0.00} CARES Act ones ) would continue to count towards PSLF. Despite this, Mohela learned of my Borrowers Defense application ( attached in this complaint as a PDF ) and placed my loans in a forbearance that would NOT count towards PSLF. After calling Mohela to dispute the issues, with signed and dated proof of their error, they did not remove the forbearance in a timely manner and payment ( s ) that should have counted towards my PSLF were deemed not-qualifying. They also did not provide a reason for THEIR error. Currently, my Income-Driven-Repayment Plan renewal has been submitted to Mohela in order to participate in a IDR plan that qualifies for PSLF, and I requested not to be placed in a forbearance, yet I continue to be in one that does not count towards PSLF.
Product: Credit reporting or other personal consumer reports

There's inaccurate information on my credit report and I am genuinely concerned. This inaccurate information is giving me immense stress because I couldn't get approved for a credit application I am applying for. It's negatively affecting both my life and my credit score.
Product: Debt collection

I received letters in the mail from collection agency National Commercial Services claiming I first owed $ XXXX then XXXX. When I called, to find out what this was about, they were nasty, threatening and said I couldn't dispute the collection. Their letter states they will suspend my driving privileges for failing to respond or pay. The case comes from a driving incident I had in XX/XX/XXXX. The plaintiff sued her insurance company for personal injury funds and her company submitted a claim against my insurance company in which they denied payment. Now, her insurance, XXXX XXXX, has submitted the suit to NCS for payment. 

I started receiving letters in XX/XX/XXXX. Please note that at no time between XX/XX/XXXX and XX/XX/XXXX did I receive any notification that a case had been filed. I was never informed by my insurance or hers, never officially served by a sherrif or other law enforcement agent regarding a trial, nor was I named in the case heard in XXXX XXXX, Maryland. I don't understand how they have identified me as the owner of this issue and how they can say I am obligated to pay this without any proof other than a computer print out from their internal system of a payment allegedly showing a check paid either to or from the Law Offices of XXXX XXXX XXXX. 

Additionally, their collection letter doesn't state that a ) it's an attempt to collect a debt and b ) that I can dispute it. 

I have contacted my lawyer, the courts and both insurance companies. No one has a clear answer on whether or not this situation is legitimate and given NCS 's  threatening business tactics and the simple fact they can't produce solid evidence leads me to believe this is a fraudlent attempt to collect a debt that hasn't even been entered in for judgement at this point ( how can it be if I wasn't named? ). 

I have sent them a check for {$51.00} to keep them at bay until I can figure this out. I really need help though. I think I am being taken for a ride.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach that compromised all my personal data.
Product: Debt collection

This company by the name of XXXX XXXX XXXX appeared on my TransUnion Credit Report approximately around XX/XX/year>. First, I called the company requesting information about the alleged debt. The representative would not provide any information but wanted me to give personal information. And, stated, if I couldn't prove what was needed, that I would need to write a letter. Immediately, I sent a certified letter XX/XX/year> ( please see attached copy of certified receipt ) requesting validation of the debt, the original creditor, an account number, and proof that the alleged debt belonged to me, including any signed agreements or contracts. I did my due diligence and made sure the address that was listed on my credit report was the exact address to send to the company XXXX XXXX XXXX XXXX XXXX. To my surprise, the company returned my letter " return to sender no such number unable to forward. '' The company does not want to be reached neither validate this alleged debt. I have taken the liberty of attaching a transunion credit report that confirms the company 's address that matches the address on my letter and certified receipt that was addressed to the company
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any accounts listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to the report. Here is the list of accounts/items which 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, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXXBalance : {$4700.00} XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX Balance XXXX {$2600.00} XXXX XXXX XXXX : {$14000.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/2022 XXXX 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: Mortgage

In XXXX, during the mortgage crises, I applied for a loan modification with the assistance of XXXX. After a very long process, I was finally given a loan modification that included a XXXX XXXX XXXXXXXX XXXX of {$47000.00}. According to the XXXX program and XXXX XXXX, the deferred amount should be reduced to XXXX XXXX XXXX XXXX in good standing. 
I have had over XXXX XXXX of good standing but never had the deferred amount reduced. I contacted Chase regarding this error and was told that my modification was not XXXX and therefore, I did not qualify for the benefits of the XXXX program, including forgiveness of the XXXX. 
I contend that I was wrongfully placed in a non-XXXX modification even though I qualified for a XXXX and all of the benefits that includes. 
For supporting documentation I have a letter from Chase dated XX/XX/XXXX that stated that I was qualified for the XXXX modification. 
I do not believe it is a fair practice to be placed in a modification that provides for fewer benefits than XXXX that I qualify for. The resolution I seek to this matter is to have the benefits of the XXXX modification applied to my loan. Specifically, I would like the deferred XXXX of {$47000.00} forgiven and reduced to XXXX as per the benefits of the XXXX program and XXXX XXXX 
Supporting Documents XXXX. XXXX from Chase dated XX/XX/XXXX, advising " Congratulations! You are eligible for a XXXX XXXX XXXX '' XXXX. Letter from Chase dated XX/XX/XXXX stating my loan was processed as a Chase XXXX and not a XXXX XXXX XXXX 
XXXX. Letter from me to Chase, dated XX/XX/XXXX, requesting forgiveness of the the deferred amount based on XXXX program benefits and XXXX  rules. 

Thanks for your attention and assistance with this matter.
Product: Debt collection

The problem I had was with Hunter Warfield collections regarding XXXX XXXX Apartments. The apartment company charged me and my XXXX roommates for staining of carpet due to my roommates cats XXXX. My roommates told XXXX XXXX Apartments that the cat XXXX was their fault and to take me off of the fine. My roommates eventually settled in small claims court and the fine was taken care of. This bad credit report was never taken off. It needs to be removed.
Product: Debt collection

Two different collection agencies are attempting to collect {$1000.00} for an XXXX account. This was satisfied in XX/XX/XXXX and XXXX and both agencies were informed. 

In XX/XX/XXXX, I entered into a short-term loan with XXXX to purchase furniture. The terms of the loan were " 90 days, same as cash '' terms. I believed that if I paid off the loan in 90 days, I would not be charged interest. XXXX guaranteed those terms to me and purchased the furniture ( one mattress set and a couch, totaling about {$1000.00} ). I was required to pay about {$130.00} towards the " furniture loan '' up front. 

Terms also included automatic payments of {$180.00} beginning XX/XX/XXXX and on the XXXX day of each month, thereafter. 

In XX/XX/XXXX, I called XXXX and asked why I had not received any email from them regarding the payments and remaining balance. In late XX/XX/XXXX, I had made 2 full payments and yet was not informed of any remaining balance. I believed that my balance should have been about {$580.00} but no one at XXXX would inform me in writing. I also asked for an extension of the 90 day-terms to pay off the loan and was told over the phone that I could continue to pay on the loan. 

A total of {$1100.00} was collected for this loan that was satisfied in XX/XX/XXXX- actually overpaid the account. 

In XX/XX/XXXX, I was informed by XXXX XXXX that ROZLIN FINANCIAL GROUP L and XXXX XXXX XXXX  are attempting to collect on this same account that was satisfied in XXXX. Both companies report this to all three credit bureaus.
Product: Vehicle loan or lease

Purchased new XXXX with first payment of XXXX due on XXXX. On XXXX phoned in payment of XXXX with bank routing and checking account number. XXXX XXXX XXXX XXXX began calling on XXXX due to no payment and thru XXXX a total of XXXX times ( I was on vacation and working so was unaware of reason for call ). On XXXX received letter informing me of nonpayment. I called only to be told money had been received but had not been applied to my " monthly '' payment but principal only ( loan is 0 % ) so in my mind I am paying principal only and no interest is required. This was at approximately XXXX on XXXX. Customer rep said they would fix and we were square. At XXXX pm received harassing phone call wanting payment. I stated hope this call is recorded for if XXXX does not suspend calls I would seek legal counsel. Chases ' payment phone number is confusing and I was told I was to blame for hitting wrong button. My understanding is XXXX knew I had sent in XXXX to be applied to the loan account but would not apply it because I hit the wrong button. I have excellent credit ( over XXXX by most credit ratings ) and am trying to keep it as so, but I am anxious if I will succeed with Chases ' current administrative methods. This is an attempt to receive attention to their problem not mine, but if they continue to call, I will not hesitate to seek litigation. Thank you if you can resolve XXXX 's problem because I truly feel I have done nothing wrong and will continue to make my payments if allowed!
Product: Credit card

I received a letter from discover card stating that I have a balance that is delinquent. I contacted discover card and advise that I never applied or open an credit card account with their company. I have disputed the credit card account with the credit bureaus and with discover card requesting that the account be removed from my credit file and the account ca n't be validated nor will they remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX 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 EQUIFAX credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a hard inquiry from XXXX on my Transunion report. I called Transunion 3 times and they couldn't create a dispute for hard inquiries and they told me to ask XXXX to have a letter on cancellation. I called XXXX and they confimed me that hard inquiry is not mine. I asked for the letter but XXXX told thay they will provide the information to the credit bureau when they received the complaint. Then I proceed to call Transunion again and they told me that they could not create a complaint until I got the letter. 

Please advice. It's unfair to have this remark for 2 years in my credit report that it is not mine.
Product: Payday loan, title loan, or personal loan

In late XXXX an exercise bike from XXXX showed up at my door. I did not order this bike, and I started getting text notices then written notices from Citizens Bank/Citizens XXXX about a balance owed in the amount of {$1200.00}. 

I have contacted Citizens regarding this matter, stating that I did NOT open a line of credit with their organization. I have four credit cards with more than {$80000.00} in available credit. I wouldn't need a line of credit. Citizens has twice denied my claim of fraud and has stated that my account stands. I have not been provided with any proof that I opened a line of credit, when or how it was opened, what documentation was provided to open it. I also have been unable to speak with a representative from Citizens -- all they have given me is an email address to write to and explain my situation, which I have, but I have received mail from them twice now stating they are denying my claim of fraud. 

When I contacted XXXX about receiving their bike, the customer service agent there said my account was opened using an email address that is not associated with me, and that my account was flagged as high risk of fraud. They issued a return shipping label, and the exercise bike is on its way back to that company. That's good customer service.

Citizens has not provided me with any information regarding how this situation happened, nor have they made anyone available to discuss the matter. This purchase is showing up on my credit, which is should not.
Product: Money transfer, virtual currency, or money service

! am writing to formally express my concerns regarding Zelle 's handling of disputes, especially given the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I have tried to get my credit report from all three Consumer Reporting Agencies and these companies will not provide it. I have disputed items that are old, unverifiable, incorrect, and unauthorized. For example, my bankruptcy XXXX states they verified it but I sent XXXX a letter from the Court which states the Bankruptcy Court does not provide information to credit reporting agencies. There are inquiries from XX/XX/XXXX about nine of them and I only authorized one which was XXXX XXXX. I didn't give XXXX XXXX permission to run my credit like that. 

I sent letters out on XX/XX/XXXX, and again on XX/XX/XXXX, and I have not received a response from the big three as they are called. I have tried calling and all I get is being transferred throughout the companies or putting me on hold forever and hanging up on me. And now I can't get my reports even through XXXX XXXX XXXX