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

I sent a very detailed letter with exhibits showing the inaccuracies on my credit report back on XX/XX/2023. I will attach a copy for your review and a copy of the Certified Mail tracking reciept to this complaint. I never recieved any updates from the credit bureaus other that that they were verified. They didn't update anything so the errors are still on my credit report. According to the FCRA they need to remove in inaccurate information or update it. They didn't correct the inaccurate information and they didn't delete any of the inaccurate items either. The credit Bureaus just simply claim they are verified and that is it. They just want people to give up ... .. My next step will be to take them to court for each violation. I would much rather they simply delete the inaccurate accounts. If they do not delete them they need to prove these are accurate and show me how these are validated.
Product: Credit card

On XXXX XXXX, 2015 a cease and desist demand was sent ( certified mail with return receipt XXXX XXXX XXXX XXXX XXXX ) to Capital One in reference to consumers account ( s ) ending in XXXX & XXXX. Consumer specified consumers wish to have the accounts closed and noted as 'Accounts closed by consumer ' on consumers credit report. Consumer warned Capital One that consumer would check on consumers report within thirty ( 30 ) days from the date of notice to make sure Capital One had honored consumers request. Consumer received letters from Capital One dated XXXX XXXX, 2015 stating Capital One had applied a 'Cease & Desist ' to the account ( s ) which meant they would no longer contact consumer and stated that the cease & desist does not impact any payment plans, arrangements previously arranged with Capital One which leads the consumer to believe the account ( s ) have not been closed and noted as requested by consumer. Consumer requested knowledge that the accounts reflect closed by consumer under the Fair Credit Reporting Act ( " FCRA '' ) 15. U.S.C. Sections 1681u - 1681v. Consumer informed ( and warned ) Capital One that if they did not comply consumer would file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and ask complaint be forwarded to governing entities. A copy of the cease & desist document is attached to this complaint as proof positive request to Capital One and warning of consumer 's intent if Capital One did not honor consumers request under the Fair Credit Reporting Act ( " FCRA '' ). At this time Capital One is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681u ( " FCRA '' ) by misuse and misreporting the credit information provided by the consumer. Capital One furnishes information to consumer reporting agencies and is subject to Section 623 of the FCRA 15 U.S.C. Section 1681 s-2 which imposes a series of duties and prohibitions upon any person or entity that furnishes information to a consumer reporting agency. Reporting accounts as active when voluntarily closed by consumer and misstating the balance due is a violation of the FCRA. Consumer has the right to request consumer 's account reflect consumers wish to close the account by consumer on credit report. Capital One was told ( in writing ) that consumer intended to file a federal lawsuit if ANY negative information is placed on consumers credit report other than 'Account closed by Consumer '.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact XXXX XXXX XXXX on multiple occasions. This company provided me with a product that was basically a secured card. I had a secured deposit at the beginning of the relationship and everything was managed withing a mobile app. 

Their app became unusable and I was unable to login and view my account and make payments for my liability. This caused an issue with my credit report and drastically impacted my score with late payments. 

They have kept my deposit and no liability is outstanding with their company and myself. The only problem is that I was not late because of my actions, it was due to a technology failure.
Product: Student loan

I am having difficulty getting my PSLF payment count updated with Mohela. I currently have 12 student loans with Mohela. They were transferred from XXXX XXXX in XXXX of XXXX. When they were transferred to Mohela, Mohela told me in a on their website not to resubmit any PSLF documents since they would receive them from XXXX XXXX and process them accordingly. XXXX XXXX had already processed them. 

After waiting months for the documents to be processed, I called Mohela and I was informed that while they did in fact have the documents, it would be beneficial for me to resubmit them with additional documents showing my employment during that period. I resubmitted the documents with additional employment information in XXXX of XXXX. 

On XX/XX/XXXX, I logged in to the Mohela website to see that they cancelled the processing of my PSLF documents without emailing me, sending me a letter in the mail, or calling me. I spoke to Mohela on XX/XX/XXXX. The customer service agent told me that she would put in a request to resubmit the PSLF application but that if I did not see the application updated and the PSLF tracker updated by the time payments are scheduled to resume in XXXX of XXXX that I should submit a forbearance request. This would be in Mohela 's favor and would mean that it would take longer for my PSLF application to be accepted because I would not be making qualifying payments that count towards forgiveness while it's in forbearance. Additionally, if they were processed in XXXX of XXXX, that would have been an entire year of waiting for documents to be processed. 

It has been 8 months since Mohela has received the documents to process my PSLF application. It should not take this long to process PSLF and I don't appreciate not being informed that my documents have been cancelled. I am being told that it can take a long time, and while I understand that and am being patient, it is almost time for me to recertify and resubmit documents for the next year. 

I would like to get my documents approved and the payment count tracker updated before payments resume and I have to recertify for my next year 's employment.
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 items 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/block 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 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 XXXXXXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2021 XXXX XXXX of XXXX XXXX submitted a sworn statement to the Attorney General Office for Michigan, AG No. XXXX, that XXXX was reporting my account as paid in full. It has been a full reporting cycle and XXXX is still reporting my account as having a {$810.00} balance. 

XXXX XXXX knowingly submitted a false statement to a governmental agency, and due to the severity of this. I think its in all parties best interest that the two XXXX accounts were deleted entirely from the report. 

XXXX is still reporting a {$810.00} balance! They lied to the Michigan attorney general Making falsified statements to federal agencies are quite sever and I am scared what other individuals are being taken advantage of. I feel bullied and intimidated by this company that is willing to lie to federal officials to continue extorting people.
Product: Debt collection

Genesis Credit Management reported to XXXX that I had an account with a zero balance. When I called the company to see what this was they asked for my SS #. I told them I wasn't comfortable giving that information to them because I suspected fraud and I asked them to see if they could see an account with my name. They told me they didn't have account under my name. At this point I intended to just dispute the claim, however, the company called me and told me I had a balance of {$11000.00} for an apartment rented in XXXX from Pure Lowry- XXXX XXXX XXXX. I have been unable to get in contact with XXXX XXXX via Phone. The Company name in the email is COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX The collection company sent me a letter in the mail requesting more information to investigate the fraud. The requested a copy of my driver 's license, Proof of residence during the lease, and a police report. I have not provided that information to them and do not intend to at this time. I have copies of the letter that was mailed, the email with the lease agreement, and credit report. 

The lease agreement was signed in XX/XX/year>. I was deployed during this time.
Product: Student loan

On XX/XX/XXXX, I received a notification from the Dept of Education that XXXX  XXXX XXXX would be my loan provider. My loan was not posted to my account. When I called XXXX XXXX XXXX, they informed me it wouldn't be posted to my account until XX/XX/XXXX, several weeks later. During those weeks, my loans would be accruing interest yet I would be unable to make a payment. When I complained to XXXX XXXX, they were somehow miraculously able to post the loan the next day. 

This loan servicer manipulates payments in a multitude of ways. I experienced this through the entire repayment process for my undergraduate loans. This servicer does whatever they can to maximize interest expense at the expense of the borrower.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$1500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 XXXX 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

I opened the account for new doors through XXXX security doors who secured the loan for the doors. I began paying on the loan monthly and scheduled via automatic Payments from my XXXX XXXX XXXX Account and I never missed a payment. My XXXX  credit report shows my XXXX XXXX Account is delinquent past 30+ days which is incorrect reporting on my credit report. I reached out to XXXX XXXX and they said my account was in Good Standing and no delinquent Payments were on my account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/2017 I visited XXXX XXXX XXXX in the City of XXXX, CA prior to being a resident here. After being completely forthright about my income status ( 100 % XXXX XXXX XXXX XXXX ) we had a mutual agreement to stretch- out the payments over a reasonable period of time, with wiggle room for fluctuations in my income. At such time we agreed to begin the process of XXXX XXXX XXXX care. 

I do recall that there were some inconsistencies with should be the first line of attack, and what should be prioritized? After 3-4 visits with the XXXX, the area in which I was being treated became more and more uncomfortable/painful ... .an outcome that I did not expect ( and this was one of several times in my life that I have had minor to major visits to the XXXX 's office. Without becoming verbose, my experience from a communication standpoint, as well as services rendered was far short of stellar. 

Since there was an outstanding balance after my last visit, I attempted to contact their office, via the telephone, as well as a certified letter in writing, all to no avail. 

The bottom line : I received ( just suffered from a " XXXX XXXX '' a couple of weeks or so ago ) poor service, and a non-communicative billing staff, who without notice sent my account to : COLLECTION MANAGEMENT SERVICES whose address ( to the best of my ability to determine as they have several listings/derivatives of their corporate name is XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Lastly, I have never received a phone call nor any letter ( s ) from this collection agency. 

Thank you in advance for your consideration. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage is showing as XXXX in bankruptcy when it was paid in full in a sale on XX/XX/XXXX. A complaint was filed through XXXX, but the bank was sold and the dispute closed with no resolution. The dispute was filed on XX/XX/XXXX.
Product: Credit card

A person called repeatedly supposedly from Bank of America ( had an XXXX accent ) from the number XXXX saying that they got a fraud alert from someone in Alabama trying to open a credit card in my name and they had my address in PA. They needed to verify my social security number which i wouldn't give them because i knew this was a scam. i asked for their supervisor and someone else came on ( also with an XXXX accent ) and said that the person tried to open it in XXXX, TX. I told them he's a liar because the person before them told them said that it was alabama. They then said yes it was two applications. I told them they are liars and scam artists and that i was reporting them and hung up. Tried the number again and it was out of service.
Product: Mortgage

I requested a forebearence on my VA loan with the Iowa Bankers Mortgage Corporation due to financial difficulties in paying my mortgage on time due to the coronavirus pandemic. OnXX/XX/, I received a notice that my mortgage was in deliquent status for the past 111 days and that I was being threatened with a foreclosure as well as being charged late fees from the Iowa Bankers Mortgage Corporation. They also failed to stop payments on my mortgage for the first month after I had requested the forebearence in XX/XX/XXXXXXXX. Their phone number is XXXXand their email is XXXX. Their mailing address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IA XXXX
Product: Debt collection

I was a victim of identity in this account thats is in Collections is not mine
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below I do not consent to XXXX or any means of automated verification, are still reporting on my credit reports in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Mortgage

Hello, In XXXX, I asked our company ( PHH Mortgage ) to remove PMI, which involved paying for an appraiser to come assess the value of our home. The {$100.00} check, which PHH requested we send to pay for the appraiser, debited our account XX/XX/XXXX. I called PHH to schedule an appraiser as soon as we could, which was delayed until XX/XX/XXXX. The appraiser came to our home on XX/XX/XXXX to complete the appraisal. I've called a few times over the last month asking for an update to the appraisal, and have been told they do not have one but will research what the delay is. I have been told twice that the investigation will take multiple business days, continuously delaying the results of our appraisal. Given the nature of today 's market, i was hoping to receive our appraisal results as early as we could, but PHH does not seem to have the same sense of urgency. A representative i spoke to was surprised that it's taken this long to get the results, so i'm hoping this complaint will help usher this process along.
Product: Credit card or prepaid card

Capital One has been charging me interest on a cash advance withdrawal from 7 years ago that's been paid back 5 times over. 
This has made it impossible for me to catch up with payments. 
They also charged me overlimit fees that they refuse to take off making it more impossible to pay on the credit card. 
This has also hurt my credit rating. 

I'm sure Capital One got PPP loans to help themselves through the corona virus pandemic. Yet, they won't help consumers in these challenging covid19 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about some accounts I previously reviewed on my credit report. XXXX XXXX XXXX XXXX XXXX I have reached out to the creditor, notified them that this account was not opened by me and I never used this account. This creditor has not removed this account off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the creditor, notified them that this account was not opened by me and I have never used this account. This creditor has not removed this account off my credit report.
Product: Credit card or prepaid card

Was sent a credit card ( unsolicited ) from US Bank early XX/XX/2020 and when I called customer service number on card, I was told acct and card opened by OH unemployment dept. 
I told US Bank to cancel card and that I was concerned about fraud, as I had never reported unemployment to ANY state. 
I was told by card service to contact OH unemployment dept ( to aid in closing account ), and upon doing so, I was told that dept could not find any information under my name or social security number. 
I wrote a letter of complaint to US Bank Co ( XX/XX/2020 ), but never received a reply. 
I would like to file formal complaint with US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax messed up my credit report on XX/XX/XXXX. On XX/XX/XXXX there was a glitch in their reporting causing ALL of my 7 revolving accounts to not show reporting since XX/XX/XXXX and I use them every single month. My score dropped from XXXX points on XX/XX/XXXX with no reason. I have 0 utilization rate, and no new negative remarks. I opened up a case with Equifax in XXXX but am unable to get a hold of anyone on the phone because the verification doesn't work for my account. They mentioned the issue should automatically be resolved within a month from me opening my ticket. 

It's impossible to get someone on the phone because I always fail verification because they always ask me questions that aren't related to my credit profile. 

It is a 100 % glitch on their system and they confirmed the issue but nothing has been resolved. 

I have XXXX collections and XXXX public records. My score was XXXX prior to the glitch My case number that they already opened was XXXX