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

MOHELA ( Missouri Higher Education Loan Authority ) has double-reported my student loans on my credit report ( one set is reported as MOHELA and the other set is reported as Missouri Higher Education ) which is negatively impacting my credit score and my ability to be underwritten for a home loan.
Product: Student loan

Navient continues to say that my XXXX loans are not federally related and are continuing to say that I am behind in payments, when indeed these loan types are in a non repayment, no interest accruing status, per the Presidential order related to COVID 19 pandemic. XXXX loans ARE FEDERAL LOANS ... ..Navient is reporting late payments and is claiming that I must begin payments again in XXXX, when according to the Cares Act, they are on pause until May. I have tried NUMEROUS times to work this out with NAvient, asked them to fix my credit report and to stop collection activity to which they refuse. 
They have just lost a court case for bad practice, so I feel that they are just not a legit servicer. 
Please hep to correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to remove a state tax lien incorrectly reporting on my credit bureau after repeated phone calls and online disputes through their website. The item that is being reported in error is : XXXX County Recorder Docket or ID # XXXX, State Tax Lien. Per the rules set forth by the National Consumer Assistance Program, no lien may be reported on a consumer credit file unless it contains the following information : Complete Name, Address, Complete Social Security Number and/or Date of Birth.
I have attached the item for review and it clearly shows only a partial Social Security Number with the first 5 digits being redacted and therefore does not meet the minimum requirements to continue to appear on my credit report. XXXX and XXXX have removed this item from their bureaus and Equifax should do the same.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/18 I wanted to place a limit order for a trade on Coinbase. I was instructed by Coinbase that I needed to go thru XXXX. I did that and opened an account at XXXX. Since then my Coinbase account has been restricted pending review of my application at XXXX. These people have no clue what they doing. I am locked out of an account in which I have trading assets. the value of trades I have been prevented to make exceeds {$10000.00}.
Product: Money transfer, virtual currency, or money service

Last Friday ( XX/XX/22 ), I attempted to send money directly from my Chime checking account to my mother 's bank account. I have not done this before and was not sure how, so I contacted Chime customer service via the phone. I called their phone number at XXXX. The man on the other end of the line proceeded to tell me that he could help me with the transfer of funds. Therefore, I was told by this person who claimed they were a chime employee ( who answered the phone listed as the chime phone number ) to send money to various people. The man assured me that this was standard protocal, that if I sent the money to him he would transfer it to my mother 's bank. 

The first that I sent was {$2000.00} to the email XXXX The second that I sent was {$2000.00} to XXXX XXXX. 

The third that I sent was {$1000.00} to XXXX XXXX. 

I then received {$91.00} from someone named XXXX XXXX XXXX. 

Quickly after, I realized it was a scammer on the other end of the line ( or a chime emplyoee who is a scammer ). 

{$5000.00} of my money is now gone due to scammers answering Chimes customer service phone number. How can I call the customer service number and have scammers on the other end? Chime has already rejected my claim and refuses to give my money back despite the fact that their correct customer service phone number led me to a scammer. I have now researched this issue and discovered many other people have had the same exact scam happen to them while banking with chime. DO NOT CALL CHIME OR ANSWER THEIR CALLS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX/XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and AFNI ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ), and AFNI ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX
Product: Debt collection

River Heights Capital, LLC Fill to court Execution ( money Judgment ) XX/XX/year>, {$11000.00}. 
Failed to validate a debt at my request ignored my cease and desist Balance claimed Include all fees, interest and penalties.
Product: Credit card or prepaid card

I have an XXXX XXXX  American Express Card. I paid a {$95.00} annual fee in XX/XX/XXXX for the remainder of this year and the beginning of next year. I just received notice that the card 's terms has changed and they changed the rewards my card. I told the card company I refused to accept the changes and cancel the card. They however, refuse to refund the {$95.00} fee and also are refusing to cancel my card
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I made a purchase under {$35.00} at my local XXXX. I use my XXXX XXXX XXXX card. I travel for work any only have my mobile phone. I did not return home until XXXX. First, I thought I paid the card in full. Second, my 840+ FICO took a dive. I immediately pulled a credit report and found a 30 day late score on my report. I contacted AE fraud department. They put a fraud notice then transfered me to their fraud division. The man I spoke to gave me information and I told him it was my charge. He then transfered me back to customer service and I paid the bill. I have 43 years of stellar credit with accounts going back to the mid 70 's. 
This particular account was over 10 years old with a large line of credit. All my credit cards are paid in full each month. Each person I spoke to were unwilling despite the issues of there phone system and the issue of using a cell to access their site. Note : because I am on the road I monthly check the balances of each of my credit sources. 
I appealed up their chain of command. Finally I spoke to a XXXX in XXXX XXXX who sounded XXXX bias. She was extremely curt and rude. She said she would send out a letter and again I explained that I was on the road. My credit had dropped to the 760 range.

Late XXXX I was home and read the letter. I took my information and made an appointment with the local XXXX XXXX branch manager. She listened and appealed up her change of command. She also addressed the issue with XXXX XXXX. In XXXX XXXX XXXX called my for the final time. In XXXX my credit score dropped again this time down to 721. What had changed? I paid off my car 2 years early as well as XXXX complete student loan. So I called Transunion and found out that in XXXX XXXX XXXX XXXX XXXX updatef my account reflect that I had an overlimit in my history. Once again I called XXXX XXXX and spoke to an onshore representative who then reviewed the entirety of my account. They noted that note only had I never got close to approaching that ever in the decade of having the account. Also from what they could see on the there was now no indication that the account had an over limit. I have multiple credit sources all excellent. Four decades of perfect credit, house and car loans most paid in full and use credit regularly with no issues save this one. Please help me get my good name back!
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against transunion for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX accounts is inaccurate.
Product: Credit reporting or other personal consumer reports

UNKNOWN INQUIRIES : XXXX XXXX  DATE : XX/XX/XXXX CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE. 

XXXXXXXX XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX INQUIRY FOR CREDIT CARD CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE. 

XXXX DATE : XX/XX/XXXX CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered my info was breached in the XXXX XXXX and XXXX XXXX Breaches and was given settlement. I have written, disputed on line and on the phone to clear up the erroneous accounts. 
Addresses and accounts that have disputed have come back saying they wont look into my file. How can you verify and say evrything is correct when I dont live at those addresses and my names are wrong. 
I have sent my FTC ID Theft AFFIDAVIT along with XXXX XXXX, XXXX said to contact Bureaus and will be notified of litigations Please remove these erroneous accounts and give me my peace of mind back.
Product: Debt collection

On XX/XX/scrub>XXXX  Ability Recovery Services , LLC contacted me regarding a medical debt that I was unaware of. I requested that they authentic in writing the debt which they emailed me along with 2 letters for 2 additional supposed debtors to include all of their personal demographic information excluding their social security numbers. How many other supposed debtors has this occurred to.
Product: Credit reporting or other personal consumer reports

Tried to call them XXXX times No answer Fraud from Affirm on my account Says its pending but havent provided updates on mail received
Product: Mortgage

XXXX mortgage gave my now deceased Husband & I a forbearance, then transferred our mortgage to another of their own companies ( Lakeview, a trademark of XXXX ) during the forbearance. Lakeview hired, XXXX XXXX XXXX BANK to service the loan. XXXX violated the forbearance agreement on the loan, even though they were made aware of the agreement. 
We received a forbearance from XXXX because my Husband was sick & even the XXXX. could n't figure out why. When XXXX XXXX XXXX took over the servicing they asked for mod paperwork every month never doing anything with our information, during the forbearance.They created so much stress in my poor Husbands life .... the very last year of his life at age XXXX, while having XXXX & not knowing it. They also posted to my Husbands & My credit reports that our home had been REPOSSESED/FORECLOSED during the forbearance. If this was true then why am I still living in the house? The stress during this period of unknown sickness, during the forbearance put my Husband in the XXXX XXXX hosptal for XXXX days, XXXX of those on XXXX. He ended up having XXXX in 12 hours & almost died during both. This happened 5 days before the forbearance would have ended .... yet for the last 7 months of the forbearance ... What we thought was going to be the time we focused on finding out why my husband was so sick, we were forced to feel like we were going to BE HOMELESS. For 2 full months, after his XXXX my Husband was n't even able to XXXX by himself, as well as take care of his XXXX. Then 4 months later we found out he had XXXX & was too weak still from the XXXX emergency XXXX 4 months earlier to be able to live through XXXX to save his life. My Husband passed away 7 months after finding out he had XXXX. XXXX XXXX XXXX actually called the day my Husband died asking me " When are you going to make a payment! ". In the phone records you should find my statement " I do even know if my Husband will live through the day today ( he did n't ) & your company helped him get to this point! '' *I strongly feel if our forbearance had been respected by XXXX XXXX XXXX during the forbearance period it is highly possible my Husband & I could have benefited from non-stress relating to our HOME. So that we could be able to focus on my Husbands health. As sick as my Husband was ... going to the XXXX XXXX sometimes XXXX for Dr. appts a week, he still tried to work, making out applications for employment because he had to leave his job at XXXX which was too physically demanding for him to keep, which was why we were given the forbearance to begin with. He never gave up trying to defend his Home & Family XXXX XXXX XXXX until he took his last breathe at age XXXX, 2 years ago TODAY. 
*This breaks my heart, not just for the pain & suffering my Husband & I have endured but, knowing that these lenders have & are most likely doing or have done this to who knows how many other innocent people! 
This is NOT OK! 
I believe XXXX has done a very cruel thing to a very good man, at a very young age!
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX social security number is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX My complaint is that I have five negative accounts on my XXXX XXXX report that are charged off, the negative accounts are credit card accounts that are charged off can you please have XXXX XXXX dispute the 4 averse accounts that are charged off. And my complaint with equifax there are three negative items their are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm disputing the negative items as fraud and and my complaint with XXXX is I have four negative items s there show all charged offs I'm disputing this as fraud there XXXX XXXX XXXX XXXX XXXX .all four negative items on XXXX are fraud please have XXXX  disputes items
Product: Debt collection

XXXX I received a XXXX XXXX XXXX from Capital One for {$300.00} with an aggressive interest rate. I paid that amount back but Capital One continued to move forward with late fees and such despite my telling them that I paid the {$300.00} back and was now suffering from a brain injury. It was charged off in XXXX, per a phone call I took today from the Capital One Appeals team. 

Now, in XXXX, I was served papers for a suit where Capital One is claiming I had a credit line of $ XXXX. This was on the repair side of a bankruptcy and, no, I never had a credit card from Capital One for XXXX. I suspect, they compounded late fees and interest to craft an amount that would be worthy of investing in court fees and legal counsel. I am convinced this is a needlessly aggressive amount and the lawsuit for the incorrect amount is simply compounded interest made for the convenience of Capital One and in hopes I would be easily bullied due to my brain injury. 

I am not. Instead of " rolling over '' I filed an Answer to the XXXX County Circuit Court -- explaining the above -- and also spoke to the XXXX XXXX handling the debt collection. 

I only ever received a credit card for {$300.00} on the recovery end of a bankruptcy case. I paid that back but the answer I sent to the court would be to pay the {$300.00} again despite being unemployed and supported due to COVID-19 recovery efforts. 

Meanwhile, I'm suddenly now ( in XXXX ) getting calls and letters from Capital One for the wrong amount owed now in despite the five years of silence between the " charge off '' since XXXX. 

There is something very wrong here. 
( I NEVER had a card from them for $ XXXX! )
Product: Credit reporting

ALL CREDIT AGENCIES REPORTING OUTDATED PUBLIC RECORDS PAST 7YRS SINCE 2001 / NOT MY ACCOUNTS AND EXCESSIVE INQUIRIES
Product: Mortgage

XX/XX/XXXX - Mortgage company ( Shellpoint ) refigured my Escrow Accrual XX/XX/XXXX - Shellpoint sent a letter stating that I would be getting a $ XXXX check for overpaying but that my XXXX analysis showed a shortfall so they would be changing my monthly escrow payment from XXXX to XXXX, which immediately seemed incorrect ** Completed my own analysis and discovered they were mistakenly showing my annual hazard insurance as a monthly charge, therefore over charging me** XX/XX/XXXX - I called Shellpoint, they said it was due to my taxes and it was correct, walked them through the analysis and they agreed it was ultimately it was incorrect and I was told they would ask for the escrow analysis to be redone but that I should submit an email to XXXX also, I submitted that email XX/XX/XXXX detailing the issue and asking for a corrective action XX/XX/XXXX - Shellpoint took another payment at the incorrect amount XX/XX/XXXX - Called and spoke to another representative who also agreed it was incorrect, he said it wasn't elevated as an issue in the system but that he would elevate it XX/XX/XXXX - Checked my online file they still have not rerun the mortgage analysis, to date they owe me {$5400.00} in over accrued escrow funds and appear to be making no effort to resolve the issue.
Product: Credit reporting or other personal consumer reports

Delete for inaccuracy because the payment history reflects continued reporting after this account was closed on XX/XX/2018. You are illegally causing this to re-age the account. It is not legal for you to ignore my dispute and I'm seeing that this is the exact same thing you're doing to millions of other consumers based on the complaints on the CFPB website, in addition to the lawsuits that are against you for failure to perform investiations pursuant to federal law. As is my right, I am requesting a reinvestigation of the following inaccurate information and am including NEW and RELEVANT information taken directly from my credit report, which can't be refused or ignored by your organization. XXXX XXXX Account # : XXXX or XXXX I have submitted proof of screenshots because you failed to do an investigation. I'm including the CFPB complaints I've submitted againt you for failure to legally verify and correct this account. Continued reporting of this account is illegal. I do require a new credit report reflecting these chageds as well, mailed to the addess at top of letter.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 3.Failure to Block Fraudulent Information ( 15 U.S.C. 16
81c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I recently discovered three debt items on my credit report from JPMCB, which I do not recognize. 
On XX/XX/year>, I sent a debt validation dispute letter to JPMCB XXXX XXXX XXXX XXXX, DE XXXX, requesting validation of the debts as per 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I included a copy of my drivers license and Social Security card to verify my identity. 
Despite this, I did not receive any response or notification from JPMCB regarding my dispute. This failure to respond violates my federal rights under the FDCPA.