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

I applied for a loan to buy ticket some time ago. I had 2 loans with this company and then it came to a time that I had to leave and visit my family back home in another country. Before leaving i made sure everything was paid. Unfortunately, I didn't know that the balance of XXXX usd left on this account was not paid before leaving. Whiles away, I never got an email or text message about any balance reminder or such. I got back only to find out that I owe XXXX usd on my credit file and so I went ahead and paid the balance. I have tried several times to contact Uplift to make the necessary correction on my credit file since I have made that payment but failed in contacting them. The number on their website is ( XXXX ) but it just a voice prompt and never transfer you to an actual agent to talk to. I also went ahead to file a dispute with XXXX but up till now no change or any information has gotten back to me.
Product: Money transfer, virtual currency, or money service

XXXX  randomly suspended my account with no reasoning and said I was not allowed on the platform with funds still in my account, I went back and forth with support and they were not helpful and unwilling to provide a solution. They would not tell me any details as to why and would not unlock my account so I could get my money. Eventually, they unlocked it and then the next day it was suspended again. There was no transactions during the overnight period and I emailed them back and they closed out my chat with no response or reason. I have been a customer for years and it is extremely frustrating. They told me to make a business account and it already was made and then they suspended both of the accounts. Hoping to get a solution.
Product: Credit reporting or other personal consumer reports

See attached CFPB MOHELA full Complaint in PDF format for details. Summary : My account balances on the MOHELA and US Dept of Educations websites reflect a XXXX balance after I was granted PSLF forgiveness, but MOHELA has failed to report such to the credit bureaus as stated in its own forgiveness notice. I have filed three rounds of disputes with the credit bureaus to have this information updated to no avail. I am reporting this to the CFPB for MOHELAs failure to appropriately report correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke To a representative from XXXX MasterCard through XXXX XXXX. They put me in a deferment plan due to covid where I wouldnt Have to pay for two months, no fees and no derogatory marks on my credit report. Two months later I get spamming calls every single day regarding the payment before it was due. And they reported to the credit bureaus that I missed Three months of payments even though I have Proof I paid The third and fourth month with them. I want These lates removed and all late fees associated as well as my credit score fixed. This prevents me from any lending I want To do regarding buying a house or getting a credit card to transfer balances or even consolidate my debt. Ive spoke to them multiple times and filed mutiple disputes with XXXX and XXXX
Product: Checking or savings account

On XX/XX/year> someone accessed my account and wire transferred my entire balance out and into some other account that isn't mine and I don't have access to. I submitted a fraudulent charge claim on the fraudulent transaction and they closed my account and opened a new one, but they refused to return the stolen money. 

Someone stole almost {$30000.00} from my account and they are just telling me to deal with it, and that it is a legitimate transaction by me. I have told them adamantly that I have no idea what this is or who could have done it. I was hoping they would be able to pull the money back from wherever it went since I told them it wasn't me. I was hoping I wouldn't just lose out on {$30000.00} of my hard earned money for whatever reason... 

This fraudster/thief was able to wire my money to some account and do it in a way that made it look legit. This kind of fraud has to be stopped or so many people will lose their money to thieves... I'm guessing maybe they pretended to be me and maybe had an account in my name or maybe they had access to my email or phone number somehow? I don't know what they did but they bypassed Pentagon Federal Credit Unions security measures in order to access my funds and clear out my entire account and just get away with it. 

I think PenFed should pull this money back from wherever it went and tell that merchant or bank that it was sent there fraudulently, and they are in possession of stolen money .... 


I have also filed a police report, and I'm doing everything I can to prove these aren't legitimate transactions like they claim they are. Can Penfed pull this money back somehow and leave whoever received the stolen money on the hook for the XXXX? I don't care what you need to do but this was my life savings and its was just stolen from me. I will attached the police report as well as the letter I got in the mail telling me these transactions were legitimate...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : The Bureaus Account # XXXX, Account Name : XXXXXXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

ON XX/XX/2007 I SIGNED A STUDENT LOAN CONTRACT FOR MY DAUGHTER XXXX XXXX TO ATTEND COLLEGE. IT SPECIFICALLY STATES ON THE CONTRACT THAT ANY DISBURSEMENTS ARE TO BE SENT TO ME FOR MY SIGNATURE. I HAVE NEVER RECEIVED ANY DISBURSEMENTS TO APPROVE. I HAVE CONTINUALLY ASKED FOR THESE APPROVALS TO BE SENT TO ME. THEY WILL NOT SEND, BECAUSE THEY WERE FRAUDULENTY APPROVED BY THE DAUGHTER. ON MY CREDIT REPORT HER ADDRESS WAS LISTED AS I LIVED THERE AT HER HOUSE, WHICH I NEVER DID, AS I WAS RECEIVING MAIL THERE. THE APPROVALS WERE BEING SENT TO HER E-MAIL ACCOUNT, AND SHE WAS E-SIGNATUREING HIS NAME. ALL WE WANT IS COPIES WHERE THEY WERE APPROVED BY ME. THEY REFUSE TO DO THIS.
Product: Prepaid card

On XX/XX/2024, a fraudulent transfer of {$1000.00} occurred on my Money Network account. I filed a dispute regarding the transaction, but on XX/XX/2024, Money Network sent me a letter stating that their investigation found no error, and my claim was denied. The letter mentioned that I could request copies of the documents used in their determination. 

I appealed the decision on XX/XX/2024, via fax, including all required information such as the case number, card details, and transaction specifics. In my appeal, I asserted that the {$1000.00} transfer was fraudulent and requested a refund. Despite their obligation to respond within 90 days, I received no communication. 

I made multiple attempts to follow up with Money Network. Representatives repeatedly informed me that they had no access to the Claims Department and could not provide any status on my appeal. I sent additional correspondences via email in XX/XX/2024, including new information provided by a Money Network representative named XXXX. She informed me that the denial was based on their investigation, which showed the funds were transferred to an account at a financial institution named XXXX XXXX with an account number ending in XXXX. I clarified in my email that I have no association with XXXX XXXX and found no such financial institution exists. Despite this, I received no response. 

On XX/XX/2024, I spoke to a supervisor named XXXX to request all documents related to the investigation, as is my right. The representative relayed that XXXX refused to provide the documents, stating that the vague initial letter I received was all I would get. I reiterated my legal entitlement to these documents, but they still refused. It has been over two weeks since I made this request, and I have not received any of the documents via mail, as requested. I believe Money Network has violated the law by refusing to provide these documents and failing to respond appropriately to my appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Called and spoke with " XXXX '' and " XXXX XXXX and neither one of the resolved my issue. I asked them who did they contact at the court house to verify the bankruptcy. They told me they do not have to provide me with verification of who the contacted and who they spoke with to verify my information. 

I have contacted the court house and also provided letters to the credit bureau and they have failed to verify my information. 

file # XXXX XXXX and Transunion have failed to provider proper documentation to give me as a resolution to my dispute.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX : XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

This school was charged with predatory loans and practices. It has went bankrupt and closed. I am trying to get my loans discharged on account of their fraudulent acts and closure. 
They took advantage of all their students, there were times they ran out of books for us, but the book fees were rolled in to the tuition so we couldn't get any money back. 
Most teachers had us XXXX tutorials, basically we taught ourselves. 
The teachers would show up half the time and make false claims so they could get their bonuses. 
I graduated and having their name on my resume is a red flag for any employer. 
Now I can't get employed in my field and I owe over 100k in student loans causing me to potentially be in debt for the rest of my life with nothing to show for it.
Product: Credit card or prepaid card

I have been asking BofA to increase the credit limit on my credit card for many months but they always blatantly deny. 
In their denial letter, they give reasons which are not applicable to my scenario. When asked, they dont give conclusive explanation. They have been harassing and jeopardising my purchasing power since a long time, all despite the card being my oldest credit card. 
The credit limit is so less I cant even buy a new XXXX with it. And although I have a good credit score and have been using the card responsibly, they wont increase the credit limit. 

The worst part is that despite acknowledging the fact that I have higher credit limits on other credit cards, BofA would still not give me a higher credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XXXXXXXX XX/XX/2023 ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed items with Experian, XXXX, and XXXX, all three came back as verified. XXXX 's rentals had a write off bad debt. I have called XXXX 's about this and asked for the contract signed by myself till this day 4 months later have not heard from them. Sent all three reporting agencies asking for a Method of Verification. Since they verified these accounts during the dispute they should have all the information in there records. The credit reporting agencies had 15 days to send me the information it has gone well past this. I have never done business with XXXXXXXX XXXX XXXX so I know these are not my accounts. But XXXX is the only company that has had found them inaccurate and removed them from my report. So how is Experian and XXXX still reporting these accounts.They never sent me the information that by law they are suppose to within 15 days. The Method of Verification was received by them XXXX XXXX, 2017 by both Experian and XXXX. These are not my accounts and for them to report these accounts on my report is violating the law. XXXX 's can not show a signed contract by me. These Items should be removed immediately if they really investigated the dispute like XXXX has done the would see these are not mine. They should be removed on the fact they have gone over the time constraints by law. I want to see how Experian and XXXX verified these accounts and they need to be removed.
Product: Mortgage

I have been in contact with the company since XX/XX/XXXX with multiple documents that they say are required to start the process to look into modification/assistance. I have faxed multiple times as well as emailed the documents on many occasions and receive calls and letters telling me that the documents I have sent aren't enough. I am now receiving letters and calls from investors and companies offering to buy my home. It is my understanding that they have 30 days to review my information to see if I am eligible for assistance. I paid them last month over 1400.00 and will be paying another XXXX on the XXXX but they appear to be lying to me just as XXXX XXXX did when they sold my loan to XXXX XXXX. I have know I have met the qualifications for the mortgage assistance but if they have already posted my home for foreclosure then they are stringing me along and intend to take my home without offering me a way to keep my home that won't stretch me beyond what I am able to pay.
Product: Credit card or prepaid card

On the evening of XXXX I received a text from XXXX XXXX advising a hard credit inquiry had been made on my XXXX report by XXXX XXXX, ID XXXX with contact of XXXX. They further inquired if I had in fact had applied for credit with XXXX on XXXX. I have NOT made any credit application on the date of XXXX with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft these accounts are reporting on my credit report they do not belong to me I summit supporting documents that included police report and id social card and proof of address the accounts are as followed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBy the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Debt collection

I pay my target bill every month. I make 2 payments a month some months. Always the minimum, or 2x or 3x the minimum. Today I get a letter from a collection agency. I had to change my bank account due to fraud. My payment came back because of that. Instead of calling me, or sending me a email or ANYTHING they send me to collections. I login today and it says I owe {$29.00} due TODAY. So I added my new account info and paid the {$29.00} then called the collection agency. They were horrible. I insisted they transfer me to target. Target gets on the line. XXXX the supervisor gets on and is completely unprofessional and cut me off. When I said I was speaking. He hung up on me. I need to be assured I am not going to be sent to collections. I need to speak to someone at corporate. This is how you treat a good customer?!?!?! I also need to be assured you will not be hurting my credit with this as I show I am up to date and again I had to change from XXXX XXXX XXXXXXXX XXXX to fraud to XXXX XXXX XXXX XXXX. I simply had forgotten to update the account info. A call, email, letter from Target would have been nice before just sending me to collections!
Product: Credit reporting

Experian has sent me a letter stating that they will no longer investigate my accounts even after I have sent them proof that their listings are incorrect. This is a violation of my rights under section 1681 of the FCRA and they are violating FEDERAL law. Congress states that when I notify the bureaus that they are reporting something inaccurately, they are required to investigate. When I notify them yet again that they are still incorrect, they are required to go beyond the original source of information to ascertain that the info they received is correct. Stating that this will not happen because the person processing the disputes has too many disputes and investigations to do for less than minimum wage is not my problem. 
I 'm attaching proof that XXXX does not hold the account and I have notified Experian numerous times that they are required to report this account as transferred or sold and they have not done so. I am also attaching proof that they will no longer investigate.
Product: Debt collection

I'm a XXXX living in my first owned apartment. I have never leased or signed any agreements with a landlord. I've also reported identity fraud to the IRS because someone has been attempts to file my taxes without my consent. I'm seeking help and assistance in removing this issue from my credit report as promptly as possible.
Product: Credit reporting

TODAYS DATE:XX/XX/XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX ( XXXX ), and XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Mortgage

I have imbound account ( Escrow ). The collector company collect Monthly payments to pay for property taxes and home insurance. I bought my house in XXXX 2014. The collector paid part of the property taxes and did n't pay the supplemental taxes which is the difference between the old assessment and the new assessment. The new assessment is related to the new purchase value. I sent the Tax and the Supplemental tax bills to the collector. I reminded them two times to pay the supplemental taxes and they kept telling me that they get tax information directly from tax collector. I contacted the tax collector. He confirmed the the supplemental tax is due and their is a late fee. Attached XXXX projected Escrow show the estimated value of the Property Taxes. XXXX was the collector before transfer it to Nationstar.
Product: Debt collection

My credit report is saying I have {$410.00} Im collections from a XXXX from XXXX XXXX 2017 I have nothing in my name not I have I opened any accounts in my name in years. This is NOT my debt
Product: Payday loan, title loan, or personal loan

Evergreen services lend me money and I asked several times how much was the interest but they refused and lied to my face. This company is a scam and I want them to stop collecting payments because of false advertisement!!!!! Stop all type of communication with me.