23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am filing this complaint with the CFPB regarding my federal student loan servicer, MOHELA. My complaint addresses two critical points : 1 ) MOHELA is lawfully able to process my application to enroll in the federal governments Saving on a Valuable Education ( SAVE ) Plan, yet they have failed to do so ; and 2 ) MOHELA must move my loans from processing forbearance ( where interest accrues ) to general forbearance ( where no interest accrues ) because it has taken MOHELA more than 60 days to process my SAVE application, yet they have refused to take this action in violation of the relevant federal guidelines.

MOHELAs Continued Ability to Process My SAVE Application : The federal student aid website unambiguously states : [ N ] o new enrollments are being accepted for the Pay As Your Earn ( PAYE ) or Income-Contingent Repayment ( ICR ) Plans, with two exceptions : Borrowers who applied for the PAYE or ICR Plans before XX/XX/2024 .... See https : //studentaid.govXXXX Student Loan Borrower Q & A, I want to enroll in the SAVE Plan or another income-driven repayment ( IDR ) plan or consolidate my loans. What do the recent court rulings mean for me?, Paragraph 4.

I submitted my SAVE Plan application on XX/XX/2024. Since my SAVE Plan application was submitted before the XX/XX/2024 cutoff, my application unequivocally qualifies under the governments first exception quoted above. Therefore, I am still eligible for enrollment in the SAVE Plan, and MOHELA is legally allowed to process my application. 
Failure to Move My Loans to General Forbearance After 60 Days : The more egregious issue, however, is MOHELAs outright violation of the forbearance guidelines laid out by the U.S. Department of Education. According to the same government resource ( two paragraphs later in the Q & A section ) : If servicers need time to process a borrowers IDR application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance... If the borrowers application is not processed within 60 days, the borrower will be moved into a general forbearance... Interest will not accrue in this general forbearance. See https : //studentaid.gov/announcements-events/save-court- actions, Student Loan Borrower Q & A, I want to enroll in the SAVE Plan or another income-driven repayment ( IDR ) plan or consolidate my loans. What do the recent court rulings mean for me?, Paragraph 6. 
I submitted my SAVE Plan application on XX/XX/, and as of the date of this XXXXXXXX XXXX XXXXXXXX XXXX have passed. MOHELAs failure to transfer my loans to general forbearance after the allowed-for 60 day processing period has resulted in unlawful interest accrual for 87 excess days. Despite repeated calls, MOHELA representatives continue to insist that they are powerless to make this transfer, contrary to both the federal policy on studentaid.gov and the assurances of Federal Student Aid representatives that it is the servicer, MOHELA, that is responsible for moving my loans to general forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of identity theft. My XXXX XXXX XXXX credit card has been lost, stolen and compromised. All of the charges on the account is fraudulent transactions. I never used my XXXX credit card account : XXXX. All of the charges are fraudulent transactions and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote a goodwill letter to Honda financial in XX/XX/XXXX in regards to my old XX/XX/XXXX Honda account showing up on my credit report and needing to be removed. I spoke with a representative who advised me he would have my late payments removed from the account. Instead what he did was changed the days late and did not remove any payments. I then spoke with Honda again because my second lease was ending. I was told by that rep that if i stayed in the Honda family my oldest XX/XX/XXXX account would be removed. When i went to the new dealership they said Honda refused to remove the old account and actually wanted to charge me HIGHER for a new vehicle if i stayed with them. when i called again they transferred me to a different woman who said to write another letter and dispute it with the credit reporting agency.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measires to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about my recent credit score drop. I have had an excellent credit score for the past 10 years. Recently I was in a wreck and totalled my truck. I do have another car loan through the same financial institution ( XXXX XXXX XXXX XXXX ). I also have 4 credit cards. All in good standing, never missed a payment. After my truck got paid off by insurance company and my credit score dropped XXXX points!!!!!! Can not get an answer from transunion or other credit companies.
Product: Credit reporting

This account is being reported as 120 days late and is showing as delinquent on my credit reports. The payment history on this account is being reported incorrectly and NOT BEING REPORTED FAIRLY. I was laid off in XX/XX/XXXX. With no job or income, I stopped paying on my credit accounts. The last payment on this account was in XX/XX/XXXX. You can clearly see on the attached info from XXXX that the payment status switched to XXXX in XX/XX/XXXX. This account went into default and was transferred to XXXX. This does not constitute a payment and this account is being reported past the 7 year threshold for showing on a credit report and should be deleted. I have disputed this several times with the credit agencies and I have written to XXXX on several times as well and this is still being reported incorrectly on my credit report and is stopping me from getting a mortgage. 

If this is not deleted then the account payment history needs to be updated and merged with my student loan account with XXXX. When I defaulted on my student loan, I had XXXX account, I now have XXXX accounts on my credit reports and XXXX are showing as delinquent. This is not fair to me and does not accurately reflect my payment history with my student loans. Please delete this account immediately from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Due to the multiple data breaches across the country, including the exposure of personal information such as my Social Security number, unauthorized accounts were opened in my name. As a result, my credit report was negatively impacted, and I was recently denied a mortgage while trying to purchase a home. All unauthorized accounts have been listed in this report for further review and action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.

2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX
Product: Vehicle loan or lease

I received a notification that one main financial institution was ordered to pay back a large sum of money based on inaccurate information upon opening account I have been paying on this account for more than 3 years with no end of finishing my payments I feel like I have been manipulated and day-to-day increase of Finance charge that exceed way more than I can afford to pay so with that being said I'm interested in adding my name to the list of clients that have been wrong doing in the process of completing my loan
Product: Debt collection

My latest credit report shows 1 credit collection that I do not recognize with the above company! I did not authorize this establishment to receive my information and I need this removed immediately from my credit report please & thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days past due on the DPEDXXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

This is for an apartment that I leased for 1 year. I gave my notice to move out on XXXX/XXXX/2013. The lease required a 60-day notice which meant my move-out date would be XXXX/XXXX/2013. I moved out on XXXX/XXXX/2013 but paid for rent owed through XX/XX/2013. I paid all amounts due and met the terms of the lease agreement but was told I broke my lease. I did not break my lease. I did move out early, but all rent amounts due were paid in full. I called and spoke with the manager, XXXX, in XX/XX/2013 and she agreed the account had been paid and would take care of it. She did not.
Product: Checking or savings account

XXXX to XXXX XXXX, and XXXX was tooken out people kept charging my card I kept going to the bank checks was being used in my name when I first got the account I went there the handled it opened up a new account and then charges was being made that I was being responsible for and I never authorized any transactions and they couldn't fix it so I closed my account.
Product: Debt collection

While checking my XXXX XXXX i came across a debt that did not belong to me. I contacted to company to dispute the charges because its greatly impacting my XXXX XXXX. Acima Digital FKA SIMP XXXX XXXX for the amount of XXXX and XXXX XXXX XXXX # XXXX AMOUNT XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint against Experian for what I believe are serious violations of the Fair Credit Reporting Act ( FCRA ). My concerns include Experians unauthorized opening of disputes on my behalf, which appears to be a tactic to reset the statutory 30-day dispute resolution timeline, as well as their failure to provide accessible dispute results. These actions have caused significant delays in resolving inaccuracies on my credit report and have undermined my rights as a consumer.

Background and Evidence : 1.Unauthorized Disputes : 3.Experian has opened multiple disputes without my consent. Based on my review, there are at least 20 disputes that I did not initiate. This practice appears to be an attempt to extend the statutory 30-day period for resolving disputes under the FCRA by resetting the timeline with each new dispute. This is both misleading and detrimental to consumers attempting to resolve legitimate credit inaccuracies.

2.Unavailable Dispute Results : For the disputes that I did initiate, Experian has failed to provide results in a timely and accessible manner. Attached are screenshots showing that my dispute results are currently not available online, despite being informed they are ready. The disputes in question include the following report numbers : Report Number : XXXX ( Generated on XX/XX/year> ) Report Number : XXXX ( Generated on XX/XX/year> ) Report Number : XXXX ( Generated on XX/XX/year> ) XXXX. Failure to Communicate Effectively : Experian has provided no clear explanation for why dispute results are unavailable or how I can access them. The only recourse offered is a phone number ( XXXX ), which has not resolved these issues or provided clarity on unauthorized disputes. 
FCRA Violations : Experians actions appear to violate several provisions of the FCRA, including : Section 611 ( a ) ( 1 ) ( A ) : Requiring credit reporting agencies to investigate disputes within 30 days of receipt unless additional information is provided by the consumer. By opening unauthorized disputes, Experian seems to be circumventing this requirement.

Section 611 ( a ) ( 6 ) : Requiring agencies to provide consumers with written notice of investigation results and corrections made. Experians failure to provide accessible dispute results violates this obligation.

Section 611 ( a ) ( 5 ) : Mandating that unverifiable or inaccurate information be corrected or deleted promptly. The delays caused by unauthorized disputes prevent timely resolution of inaccuracies.
Product: Credit reporting or other personal consumer reports

Debt validation requested from NCB MANAGEMENT specific documentation as allowed by law to include, but not limited to, debt contract, purchase agreement, statute of limitations, date of last missed payment, assignment contract, opt out of 3rd party agreement i signed, XXXX, insurance claim, license to collect in state of nevada, etc. etc. 

I have not received any documentation requested as per law, therefore NCB is in violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I received a letter on XX/XX/2018 was the date on the letter so I got it a few days later. 
It said to pay this amount within the 30 days or send a dispute. Wasn't going to dispute the outrages interest, I sent them a check in the amount at the top of the page. 
sent on XX/XX/2018 I wront on there as I do on all final payments " paid in full ''. 
They returned the check XX/XX/2018 with letter, it was the wrong amount they added an additional {$38.00} on to the bill. 
Then I receive another letter from the original creditor for another {$38.00} totaling the bill now at XXXX. 
First who do I pay? Second I am not paying all these extra charges since all they have to do is hold back a check and charge me more. I do not know if they are on commision or not but it looks like it.
Product: Debt collection

During the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020, this company continues to deleted their collection off my credit and then have it hit me credit again a few days later. This company does this several times per month. This company has resulted in over 100 points being deleted from my credit for deleted and re-adding. Ive discussed with them numerous times that Im a social security XXXX recipient and unable to pay this debt, and they continue to threaten to take me to jail and seize my bank regardless of my income source. This company contacts me over 25 times per week, and continues to use vulgar and inappropriate language towards when we discuss via telephone.
Product: Credit card

Bank of America has received an overpayment of more than {$10000.00} on my credit account that was closed without any communication. I had automatic payment transfers paying {$200.00} per week which turned into overpayment. I have been requesting the funds be returned for more than XXXX weeks and I keep getting the run around. Ive been on hold, transferred more times than I can count, bogusly told that they don't have a correct address ( after telling me the right address on file ) and told the money was in unclaimed funds and now the unclaimed funds department is not aware of any money owed to me. I still have yet to receive my funds.
Product: Money transfer, virtual currency, or money service

I have made two bill payments for {$3900.00} to XXXX XXXX, and they were not completed. MoneyGram issued refunds for the transactions, but when trying to process them at the register, it gives an error and will no process. MoneyGram is holding my money and will not give it back.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus for payments made on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I would like to request that this current payment information be updated and furnished to all three credit bureaus immediately. Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I keep receiving calls late at night or early on the morning almost XXXX times a week and they keep harassing me for an amount of {$850.00}.
Product: Credit card

I applied for credit at Synchrony Financial in 2011 to purchase a SONY camera. My credit is/was about XXXX. Synchrony Financial gave me a credit card with 29.99 % interest.