23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

MOHELA sent out information that says they would always give 30 days notice before any payments were due. 

I have been unable to access any of my account information for at least a month, and last I heard from MOHELA, my account was on an administrative forbearance. 

Today, SATURDAY XX/XX/XXXX, MOHELA sent me an email to tell me that my next bill is due XX/XX/XXXX. 

When you consider that there is a national holiday on XX/XX/XXXX, they gave me 3 business days to make this payment. 

Also, they don't have my PSLF information available, so I can't see how many payments I have remaining. 

Based on all the information I've learned over the last couple of years, the time during COVID and the subsequent non payments were supposed to count towards my PSLF forgiveness, and I should be finishing up my payments soon. But I have no way of knowing that, and there are forbearance months that I didn't ask for, they they aren't counting towards my account. 

I also worked for a PSLF eligible employer during XXXX  school. I didn't know about PSLF so I was in forbearance during that time as well. But I was making so little that with IDR, my payments would have been minimal. I submitted that time for PSLF but they denied it and I believe that was an error. 

I have attempted numerous times to hey this information from MOHELA representatives on there phone. The first person I speak with usually can't provide any information, so I'll ask to speak with a supervisor. On XXXX occasions they just hung up on me during the transfer, and on other occasions XXXX only answer I can get is " that time is not eligible '' but they can't tell me why. 

They provide terrible information. They make us jump through hoops to figure out how much we need to pay and when, and they are not counting PSLF months in good faith. They are a scummy corporation who is screwing over honest, hardworking American public servants.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, Social Security Last 4 of social- XXXX DOB- XXXX XXXX XXXX XXXX Dear Sir/Madam ( XXXX ) I sent you a letter requesting you to remove inaccurate information from my credit report. The three credit bureaus are reporting inaccurate information and I am asking for immediate deletion of this on my credit report, due to inaccurate information. I am also considering to sue you and notify the Federal Trade Commission of your violation of federal law. 

The 3 credit bureaus are reporting different dates of when this account was opened. XXXX is reporting that it was opened on XXXX, and XXXX and Equifax have that it was opened on XXXX. Also, the payment status are saying that it was a collection/chargeoff on XXXX, and XXXX and Equifax are reporting that the payment status is unknown. Also, under the date last active, XXXX has that it was last active on XXXX, XXXX has that it was last active on XXXX, and Equifax has that it was last active on XXXX. This is all inaccurate information being reported by the credit bureaus.
Product: Credit reporting or other personal consumer reports

This debt is a medical debt where the original debt collector was suppose to bill final billing after insurance paid to my XXXX  american XXXX tribe, i have disputed this several times with experian, XXXX XXXX  and none of the agencies has removed this derrogatory info from my credit files and due to the fair credit reporting act it meets the credentials for removal of the derogatory info due to being a medical debt due to XXXX XXXX Tbe status of the debt has not been updated in 6 years however the amount owed has been updated XX/XX/2024. This is incorrect and derogatory
Product: Mortgage

I have rescinded this mortgage notified lender and loan servicer by way of mail, 20 days has past since rescission of loan but no response only continue collection activities to harass and oppress. Loan servicer and debt collector Jame B. Nutter continues to collect this debt and ignore my rescission and demands for validation and verification of an alleged debt that they are attempting to collect. 
XXXX XXXX Mortgage XXXX XXXX is no longer in business and is barred from engaging in any activity concerning financial products or services to consumers because of fraudulent activities. 
Debt collector James B. Nutter has violated the Fair Debt Collection Practice Act not just once but several times specifically 15 USC 1692g ( a ). 
Debt Collector James B. Nutter has used and shared private documents publicly without any prior consent or authorization.
Product: Credit reporting or other personal consumer reports

This is an ongoing problem with Experian, and XXXX XXXX  as a past creditor, reporting my only one account with XXXX XXXX but is reporting twice on my Experian credit report. I opened this personal loan in XXXX, XXXX. Due to XXXX XXXX related health issues and being XXXX, I fell behind in payments, causing this account to be placed in collections. The original account starting with XXXX with original balance of {$9000.00} then being settled in XX/XX/XXXXXXXX  is the correct information. As you can see with attached pics, a second XXXX  account starting with # XXXX is incorrect information as to identical account information but additional information as to account being Transferred, closed and written off is a false, misleading and fraudulent information. As you can see in original XXXX XXXX account information stating with # XXXX specificity reads, account paid in settlement, {$7300.00} written off as of XX/XX/XXXXXXXX  is also incorrect and inaccurate. This account was settled with customer service for {$3200.00} settlement of the {$7300.00} owed. The account was then considered paid, closed settled for less then owed with the payment of {$3200.00} payment. It appears XXXX XXXX claimed this account as written off for tax purposes then settled the same written off account with collection of {$3200.00} more XXXX XXXX has, I believe fraud of the IRS by 1st writing of this account for tax purposes then turns around and collects an additional {$3200.00} in a customer assistance program to settle an account thats already been written off for business tax reasons. Now Im being affected negatively by this account being reported twice on my credit report, one as to being settled in XX/XX/XXXXXXXX  with my {$3200.00} payment, after XXXX XXXX already written the account off with the IRS. Then XXXX XXXX  XXXX this same account with now a different account number of XXXX with identical information but with statement of Transferred, closed, {$7300.00} written off. This is outrageous, false, misleading and fraudulent information being reported twice by XXXX XXXX  who I believe has committed fraud upon the IRS. There should only be one XXXX XXXX  creditor on my Experian credit report that should this account was paid, closed, and settled in customer agreement in XX/XX/XXXX. Thats it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the removal of a bankruptcy that is being inacurately reported on my credit report. It shows the Federal Bankruptcy Court as the resporting party and they advised they do not report to the credit bureaus.
 XXXX  reported they used a 3rd party to verify the information which is   XXXX   XXXX  . I have a security freeze on my account so they could not have " verified '' this information, and it shows the Federal Court as the Reporter of the account.
This is a violation of the FCRA because they are reporting INACCURATE information on my report.
Product: Credit card

There was a fraudulent purchase made on my account with Seventh Avenue and when I became aware of of it thru an email alert, I called them the same day and told them I did not authorize or purchase the item for order # XXXX and to cancel the order before it ships the representative said they would catch the order before it shipped and that I would not be responsible for the fraudulent purchase on my account, I also ask the rep to close my account " AND '' ( the other accounts associated with the account number listed herein ), as there are other accounts that use that same account number listed herein which as of this morning it is still open as I was able to get into the account with the account number after I told the rep 7 days ago to close the account # XXXX. As of this morning it shows shipped yesterday XX/XX/year> and it was suppose to be cancelled as I did " not '' order a " XXXX XXXX XXXX XXXX XXXXXXXX. I filed a Identity Theft/fraudulent activity report as requested and faxed it to the business ( XXXX, ATTN : Credit Dept ), to no avail as of present date, XX/XX/year>, account still open and shows fraudulent order shipped yesterday by XXXX  ( See attachments ) ... XXXX.The account as of XX/XX/year> is still open and Consumers in America have " THE RIGHT '' to close an account if fraudulent activity has been reported, ( or they no longer wish to do business with the company ), which it has XX/XX/year>. If the account isn't closed within a reasonable time frame ( 14 days from time they receive this report ), I will file a cause of action in the appropriate court for relief. CC. XXXX XXXX XXXX XXXX Attorney at Law/ ESQ
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX stated the accounts listed below was properly investigated, which is not accurate because the open dates, are still inaccurate. The date last active is inaccurate, and date last reported is still inaccurate. Due to inaccurate information being reported this is grounds for IMMEDIATE DELETION. XXXX has also violated my rights under 15 USC 1681, Section 604 A Section 2. Which the law stated a consumer reporting agency can not furnish an account with written instructions from the consumer. I have not provided written instruction/permission to furnish these account on my credit profile. Lastly, please advise how you were able to verify and properly investigate my credit file as you claimed, when my credit profiles has a freeze on the Please see credit freeze letters attached. 

Account Name : Account Number # 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 TransUnion stated the accounts listed below was properly investigated, which is not accurate because the open dates, are still inaccurate. The date last active is inaccurate, and date last reported is still inaccurate. Due to inaccurate information being reported this is grounds for IMMEDIATE DELETION. XXXX has also violated my rights under 15 USC 1681, Section 604 A Section 2. Which the law stated a consumer reporting agency can not furnish an account with written instructions from the consumer. I have not provided written instruction/permission to furnish these account on my credit profile. Lastly, please advise how you were able to verify and properly investigate my credit file as you claimed, when my credit profiles has a freeze on the Please see credit freeze letters attached. 


Please correct my address:XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX FL XXXX Account Name. Account Number The XXXX  XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

Went to check my Citibank checking savings account to find it blocked. No notice of any type sent to me warning of blocking. XXXX reps and after several hours of holding times could not explain why and no answer or contact from Citibank. Sorry for inconvenience is the only comment. XXXX  years customer flawless relationship XXXX FICA treated like a criminal. Citibank is in trouble of some type check it out. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - XXXX XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXXXXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXXXXXX XXXX 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXXXXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX XXXX 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly. 

I anticipate a timely response, accompanied by the requested documentation, to be submitted to the CFPB Portal for expedited review. Furthermore, I request that any corrections made to my credit report are promptly reflected.
Product: Mortgage

I have been a KeyBank customer since XXXX of XXXX through applying and approved of a Home Equity Line of Credit ( HELOC ) loan. Repaying loan payment always on time until XX/XX/XXXX when I received a phone call from KeyBank to inform me that my account is delinquent. Monthly payment to KeyBank was through my personal banking bill pay account, on time and never missed a payment for 15 years, and since this loan is a HELOC, the payment amount stay the same through out the life of the loan. With disbelieve, I went down to my local Keybank branch to resolve this issue, but without success. The XXXX XXXX Keybank manager XXXX XXXX XXXX could not even access my account without calling the central office for assistance! 

I had gone through various Keybank departments like the Loss Mitigation Department, and the Enterprise Client Relations ; the case being handled by many bank personnel to include staff within the Loss Mitigation department ; in the attempt to resolve my account issues without results. Keybank had changed my loan account number without letting me know, non-responsive with email communications I had with its Loss Mitigation Department. My loan account had been changed several times without my knowledge, that is, from XXXX to XXXX, then to the current one XXXX. I want to know why my account ending in XXXX was closed without notifying me, and a new account and number established without letting me know with new payments? 

From XX/XX/XXXX until now, 44 months had gone by, none of the issues had resolved, meanwhile all the unjust late fees, penalties, unauthorized and inappropriate property appraisals, and all other fees totaling {$14000.00} were ordered and imposed on my account to drive up the balance owed further. I am a XXXXXXXX XXXX XXXX veteran, served my country for 35 years, and retire in XXXX. Nothing had baffled or tormented me as much until now. 

KeyBank has ruined my credit score by placing derogatory comments on my credit agency reports, deliberately making it difficult for me to refinance or to borrow money, and at the same time encouraged me to reapply for a new or modified loan. I am seeking financial relief from this bank whose personnel are refusing to listen, not compassionate, and not willing to accept wrong doings.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint that I am a victim of erroneous reporting and I submit to dispute these inquiries and inaccurate address in my file resulting from the inaccurate reporting. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these inquiries in my credit file that resulted from an alleged inaccurate reporting : EXPERIAN : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX : XXXX XXXX XX/XX/XXXX. These inquiries are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

I am being contacted by AWA Collections to pay them {$810.00} for a debt I do not owe. I have never had any business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person..I am a living human being.. I have rights under the FCRA, 15 USC 1681. Experian and XXXX are governed by the 15 USC 1681, and they have violated my consumer rights numerous of times..Because of these violations and reportings without my written signature and consent, it's been hurting me, it's been hurting my payments, my credit utilization, i have high interest rates because of it and much more.. I demand these accounts listed below to be completely removed from my credit report.. According to 15 U.S.C. 1681b, section 604 2 ( a ) of the FCRA, it says a consumer reporting agency may furnish a consumer report with the written instructions of the consumer. I, the consumer, have not given Experian, XXXX, XXXX or any other consumer reporting agency any written consent or instructions, nor have i signed my signature on anything to furnish my consumer report. According to 15 U.S.C. 1681 ( a ) ( 3 ) of the FCRA, it says Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. According to 15 U.S.C. 1681 ( a ) ( 4 ) of the FCRA, it says there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As a consumer, according to the FCRA, my rights have been violated and i've been taken advantage of..The law is the law. We must abide or face severe consequences..Please delete the accounts below from my credit report. Account Name : XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Affirm is reporting 2 trade line accounts on my credit report that it is inaccurately reporting. I've instructed XXXX, XXXX, and XXXX to investigate these accounts and have them removed immediately for FCRA VIOLATION OF INACCURATE REPORTING. I expect removal and investigation to be completed immediately and conclude no later than 30 days from this here complaint. As stated by FCRA Law. NO EXTENSIONS OF ANY KIND WILL BE GRANTED OR ALLOWED.

Inaccurate info violates FCRA : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] - verify validity of the account. Verify date opened and monthly reporting since opening. Has all monthly reports been reported accurately since the account opened? Why reporting now? I will hold the creditor Liable for punitive damages. And will litigate in Civil, State, and Federal courts where applicable.

In addition, due to stated Natural Disasters reported by State law and governor XXXX XXXX, the XXXX XXXX XXXX XXXX have negatively affected our income and caused hardships to our ability to pay any outstanding items. This is not an admission of guilt or culpability for said debt reporting. 


Also, the following Hard inquiries have not been authorized and I am hereby demanding that they all be removed from reporting to my credit report by ALL APPLICABLE BUREAUS. 

SBA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate public record on my credit report, and I have no idea how they got there. I check my credit report regularly, and this time, there were unexpected discrepancies. I even refreshed my browser to check if it was a glitch, but the errors remained. Im deeply concerned and ask that the documents Ive provided be reviewed thoroughly to ensure I dont have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against PORTFOLIO RECOVERY ( Original Creditor XXXX XXXX ) collection agency, Account # XXXX Balance XXXX, date open XXXX. I sent this company back in in XX/XX/2019 a letter stating that Im a real victim of fraud and the account that they have on my reports does not belong to me. I sent them a copy of a Police report from XXXX XXXX POLICE DEPARTMENT, a copy a Federal Trade Commission Report and letter. This company disregarded a police report and are still reporting a fraudulent account to my reports. I want this company to delete immediately that fraudulent account from my reports and a deletion letter through CFPB portal as soon as possible. Im also attaching the police report I sent them, the letter I sent them and the FTC report that they received. If I dont a quick response I will file this case in court. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1700.00} Balance updated XX/XX/XXXX, Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney. 

Balance on XX/XX/XXXX Loan Amount {$1700.00} Original Loan Amount. 
{$1200.00}. 

I have made calls to rectify this. 




These were for medical bills. 
These reported collections are innaccurate and are being re-generated and are re-generating themselves. I have called on this matter. 
I would like this to be investigated and removed.