23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called in more than XXXX to XXXX about why my " payments '' wasn't accepted under PSLF. They had told me it was because of 1-2 minor check box in the form that was incorrectly placed. So I corrected them. Then I called back and they said to wait a couple more months, only to tell me that the new forms were also missing 1-2 minor details. So I resubmit the second time. Called back. They told me to wait a couple more months. Call back and all they said was sorry 1 form wasn't processed and by the way your loans have been transferred to MOHELA without them sending me any courtesy email/message or the so called " welcome package ''. Their only response is call mohela it's not our problem now. While that's half truth, I have messaged/emailed/called MOHELA to no avail. Today is my third time calling MOHELA and I was placed on hold for 3 hours before someone picked up the phone. I asked if I can get a callback if the lines get dropped, and they replied " sorry no we have XXXX others to answer ''. Calls got dropped. Called back XXXX to ask if they can do a courtesy email to verify with MOHELA that they receive my account. And they say absolutely not. " so you transferred XXXX of your client info all to mohela, and you can't even email them to verify if they got my package from you ''. XXXX replied yes. Is this lazy or irresponsible? How is it that they're my servicing providers for so many years, and upon sending my data/forms to a different company they can not verify or send an email to that company to verify? I have tried to call Mohela myself and check online but Mohela is not picking up calls on all 3 days and not responding to my messages/emails. Meanwhile there is a dateline on the waiver XX/XX/2022. Can someone from MOHELA and XXXX actually assist instead of passing the ball to the next court with no responsibility whatsoever? And mohela, how are you not picking up any calls?
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from my car insurance carrier that I am paying higher rates because of something in a report from LexisNexis Risk Solutions. I have been trying for three days to contact this company by telephone. I sent an email on XXXX. I called on XX/XX/ at XXXX, XXXX, and XXXX. I called on XXXX  at XXXX, and sent a second message. I called today XXXX at XXXX and XXXX. All I get is the same message to go to the website. I can not access a live person. How do I resolve an issue when I don't know what it is and can't talk to anyone. Is this company even legitimate?
Product: Credit reporting

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were initiated on XX/XX/2017 and the investigation completed on XX/XX/2017. 
us dept of education XXXX investigation was begun on XX/XX/2017 and completed on XX/XX/2017. PROOF IS ATTACHED ... .according to FCRA all XXXX accounts should have been deleted from my report yet only XXXX of them was.
Product: Mortgage

My loan was originated with XXXX XXXX XXXX Mortgage in XXXX XXXX. Then it was acquired by PHH Mortgage in XX/XX/XXXX. 
In XX/XX/XXXX PHH Mortgage sent a notification with a 46 % increase over my monthly payment so starting on XX/XX/XXXX the payment went from {$2800.00} to {$4200.00}. 
Escrow account shortage was the justification provided by PHH Mortgage. 
I called Customer Service and the only solution they provided is a loan modification which I did not accepted because I will lose the terms negotiated when the loan was originated. 
I have been struggling since then to maintain the loan current assuming the additional monthly payment of {$1300.00} but this increase is hurting my financials and soon I will fall behind with payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 3 months I have been actively disputing accounts that are not mine and were illegally obtained. I do not have a written contract with any of the 3 accounts that were being disputed. I further more did not give consent for the bureaus to report any information against my knowledge. I called them and they told me they refused to take anything off of my report even when they acknowledged it was done fraudulently. They also stated that they don't even do the investigations themselves. They just send a letter to the company to ask if the information is true and that's it.. They refuse to delete anything I have asked them too. Including not sending me how they verified or did any investigation.
Product: Credit card

I was given Gift card to Lowes, I have a credit card with lowes and wanted to use the gift cards to pay against my balance instead of making a purchase. I could not do this online, so I went to the store they could not and would not do this. Finally I called lowes.com to help me get this done they refused it is against their policy nor will they cash out the cards so i can apply it to my payment. You are suppose to be able to use these cards for what you want, but that is not true you cant use them to make a payment. This is not right they are cash. Real money was used to purchase these cards and you should be able to use them how recipient sees fit. I do not understand how this can be right real money was used to get the card, and since they are money I should be able to use my money how I want instead of having to purchase products. I want this fixed for all consumers they either need to have a way for us to use these cards to make a payment or they need to refund the amount on the card in cash so that I can. Lowes will not do either they will not give me the money on the card so i can make a payment nor will they take the gift cards as a payment. My gift cards total XXXX so this important to me.
Product: Credit card or prepaid card

I am having trouble dispute payment with Chase bank, they refuse to dispute invalid charges even after I submit enough proof. They keep ignoring the evidence I provided and can not give me any reasons why they only trust words from merchants. I strongly doubt their dispute process. 

Date : XX/XX/2018 amounts : {$3200.00} I booked 2 tickets from XXXX   XXXX XXXX to XXXX XXXX on XX/XX/2018 on XXXX. The booking page shows those tickets can be canceled for free within 24 hours. I am using my chase sapphire preferred credit card. 

I canceled those ticket within 24 hours on XXXX because I found better tickets from XXXX XXXX. But later, I found the charge is still on my card. I contacted XXXX, they are not able to resolve it and they suggest me to dispute those charges. 

I submitted dispute requests to JP Morgen chase bank XX/XX/2018. They contacted me later state XXXX sent them proof those tickets are non-refundable. I send the confirmation page when I book those tickets, which clearly state those tickets can be canceled for free in 24 hours in bold and green font at top of the page. 

Chase replied that there are small lines at the bottom states those tickets are not refundable. Then I contacted XXXX and XXXX confirmed that means I can cancel those ticket within 24 hours and after 24 hours non-refundable policy applies. I sent those  communication histories to chase. I also sent them the rule published by Department of Transportation which requires agent and airlines issue tickets that can be canceled within 24 hours. 

After I provided all those solid proof, XXXX XXXX from chase card service called me and still refuse to admit those tickets are cancelable in 24 hours. I asked those pieces of evidence I send does not change their mind they can not give me an answer. I also asked them what other info they need to prove my point. They can not answer. 

This whole process I went through is a huge waste of my time. They just want to use their excuse to stop the dispute regardless what I have provided. If that's their dispute process, I don't see any reason it should be their since they simply trust the merchant and ignore what customer states.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # 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 an account without my written instructions.

I already tried to reach out with the Credit Bureaus regarding these collection issues with but is still not being resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is being reported inaccurately to XXXX Account is missing data and reporting inaccurate history. Shows a 30 day late payment from the month of XXXX and account was paid and closed in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. I recently retrieved my credit report and it showed credit inquiries that I have no knowledge of ever authorizing.
Product: Debt collection

Phone call received stating they were collecting a debt and I had nothing from them stating what it was for and verifying it was correct. They said they would mail to me but that I owed this money. Less than a week later, they called again and I told them again I still had not received anything documenting what the debt was for. They told me it was sent a week prior and that I needed to contact my post office to see why I had not gotten the letter yet and that I needed to set up payments immediately. I told them I would not do so until I had received something from the post office and it was their responsibility to mail that documentation to me, not mine. A week after, I received another call and ignored it as I still had no documentation. A few days later, they called again and again I let it go to voicemail. A few minutes later, THEY CALLED MY WORK PHONE. This is harassment. The company has not provided documentation and now they are calling my work phone disrupting my job.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent the credit reporting agencies a letter to investigate inaccurate information that they are reporting on my credit reports, but they ignored me. I personally contacted the companies which they failed to validate and verify the inaccurate information. On XX/XX/XXXX, I sent a follow up letter to the credit reporting agencies, again they blatantly ignored me and continue to report inaccurate, unverifiable information on my reports which have caused me to get denied for credit and cause a strain on me. That has caused me stress and XXXX  due to the fact that it taints my character as a consumer.
Product: Vehicle loan or lease

Car was fraudulently repossessed by dealership so the bank reversed the car loan to the dealership. It still shows on my credit report and I need to purchase a new car soon
Product: Debt collection

My insurance company ( XXXX ) who is insured by XXXXXXXX XXXX questionably raised my premium by 600 % during covid-19, forcing my mortgage ( Freedom Mortgage ), who is insured by XXXX XXXX XXXX to nearly triple. 

Under the VAPCP ( Partial Claim ) program XXXX billed Freedom Mortgage for the {$7000.00} premium cost. This cost would later be passed on to me through the XXXX, leading an additional $ XXXX being said I owe. Now I owe more for my home than the original load price. 


I'm going to lose my home, if something isn't done.
Product: Credit card or prepaid card

I applied for and was approved a Navy Federal Credit Union XXXX XXXX credit card. I applied because there was a 12 month 1.99 % APR offer. I received the credit card along with the Credit Card Pricing Terms a few days later. The Credit Card Pricing Terms document the card was adhered to clearly affirmed that my APR was 1.99 % for 12 month for Purchases AND/OR Balance Transfers after which I would be at 14.99 %. This letter is dated XX/XX/2019 and I still have it. On my last statement dated XX/XX/2019 I see I was charged 15.24 % interest on a balance transfer. I then looked back at previous statements and see I was charged the same higher interest rate. I called the bank. The first woman I spoke to put me on hold for several minutes before going to speak with a supervisor ... she then said she needed me to wait longer while they work it out and then hung up on my. I called back again later and spoke directly with a supervisor who was also unable to figure it out. Please help me to get this resolved. I am guessing I am not the only one they are trying to pull this with.
Product: Debt collection

Ive been a victim of severe identity theft. Ive reported this incident to Kikoff, XXXX, and XXXX. They continue to verify these fraudulent accounts opened under my name without disclosing who or what information has been verified. I can guarantee they are verifying fraudulent charges. I submitted a complaint through the CFPB, and KIKOFF continues to verify this account, but it is inaccurate. Addresses are reporting on my credit report that are not mine but has been placed there because of these fraudulent accounts. My only address is XXXX XXXX XXXX, XXXX, NJ XXXX. Any other address is fraudulent. The only different address Ive previously resided at was XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, as per my police report. I am demanding, as per my rights and police report, that both companies remove this information from my credit report if they can not provide the following : 1. The agent ID at the company who is verifying this fraudulent information ( Who ) 2. The information that is being verified ( What ) 3. Where were those cards mailed, or what address has been used ( Where ) 4? A purchase report of the credit card opened under my name This information should be returned to me within 30 days. Ive attached my police report and my bank statement for proof of address. 

Kikoff is verifying this account with inaccurate personal information. It is my right to know the information being confirmed. I can guarantee they are verifying this fraudulent account with information that is not mine. This company doesn't provide proof that this debt belongs to me because it doesnt. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ; that is, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your KIKOFF or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ) ; therefore, if you can not validate the debt and show the information used to verify this account, you must request that all credit reporting agencies delete the entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove fraudulent addresses from my credit report. I reached out to them multiple times and I get the same response every time " We can't remove the addresses only the creditors that reported them can ''. The problem is I don't know where the creditors are getting these addresses from. They're addresses I have never lived at and or received mail at. Upon using XXXX maps some of the addresses are local businesses which should automatically be a red flag for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Transunion Consumer Dispute LLC, XXXX, and XXXX had been mailed an official dispute letter USPS Certified Mail. Soon after, I received the results of the investigation only from XXXX and XXXX by mail with the correspondence date of XXXX XXXX while Transunion " updated '' the profile. The Credit reporting agencies stated that my account has been properly investigation but that is not accurate due to the reported balance of $ XXXX XXXX is inaccurate, the status of the account, and late payments/CO status reported from XX/XX/XXXX, XXXX Current date is not accurate. This specific account has been removed from XXXX, while Transunion, and XXXX have a reputation of disrespecting my character and ability to extend my consumer credit. Meanwhile, these credit reporting agencies have received the same information shown in the Exhibits section of the Credit Validation Letter from XXXX XXXX. XXXX XXXX sent a Credit Validation Letter on XXXX XXXX as a result of the investigation along with the original contract/ Original Receipt, and the total amount due shown : {$0.00}. Also, the Original Receipt of the transaction shows a balance of {$0.00} as well. Pertaining to the diminishing comment of a Charged off yet a 1099a, 1099c, nor 1099OID has not been provided by the company ( XXXX XXXX ) nor the reporting agency themselves as evidence that would support this claim. One can imagine the immense mental anguish that this has caused to my livelihood and reputation to obtain and extend my personal credit due to negligence. I am led to believe that the consumer reporting agency would rather destroy my reputation and determined to consistently violate my rights in such a way that is unfathomable. In addition, on XX/XX/XXXX TransUnion updated this account as " Closed '' when it had been closed since XX/XX/XXXX, causing a XXXX point decrease to date. 

USPS Certified Tracking # 's : Transunion LLC : XXXX, XXXX : XXXX, XXXX : XXXX 15 U.S.C 1681 ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; as to the XXXX negative remarks/late payments listed within the payment history from XXXX XXXXCurrent Date resulting in XXXX ( XXXX ) qualifying violations. 

-15 U.S.C 1681 section 602 A Section 1 : States I Have A Right to Privacy -15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written permission -FCRA 623 ad FDCPA 806 ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account can not report on the credit report. 

-15 U.S.C 1681e ( b ) - Compliance Procedures ( b ) ACCURACY OF REPORT -15 USC 1681 sec 611 ( A ) -Also the Credit reporting agency took more than 30 days to complete my investigation here is my Certified Mail Tracking # : XXXX XXXX XXXX XXXX XXXX ( TRANSUNION )
Product: Credit reporting or other personal consumer reports

This error has caused me considerable inconvenience and potential financial harm, as the mixed account does not reflect my financial history or actions. I am concerned that this inaccuracy XXXX impact my ability to secure loans, credit cards, or other financial services.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit card

I received XXXX letters from CapitalOne on XXXX XXXX, 2015. XXXX letter stated that I would be receiving a CapitalOne Credit Card with a credit limit of {$10000.00} within a couple of weeks. I did not solicit a credit card from CapitalOne. The XXXX letter contained the credit card. 
The following day I received a message to call the fraud detection department at CapitalOne because there had been unauthorized use of the card by the second person named on the card in XXXX -- -I live in XXXX XXXX The credit card I received had only my name on the card. I was also told that the card had been cancelled and that I would not be responsible for the several small charges made to the card. I persisted and got the name of the second person and the XXXX charges made in XXXX. The number I received reached the CapitalOne fraud department in XXXX. I asked for a number in the USA. The XXXX number I called reached their fraud department in XXXX XXXX. The XXXX number that I was given reached offices in XXXX. The helpful clerk in XXXX provided the information concerning the second person named on the account and the XXXX small charges made before the account was closed. This clerk would not name the city where she was located in Oregon but by asking questions It was narrowed to either XXXX or XXXX. 

It is beyond my comprehension that a multi-national credit card company would send an unsolicited card with a ready limit of {$10000.00} that could be activated by someone other than the named party printed on the card. My attorney is looking into possible action against CapitalOne for their unethical business practices. I will abide by his recommendation.
Product: Debt collection

There is no proof this debt is mines, I have been having medical insurance for the past 10 years not sure what is going on. HIPPA law protects me with this issue. They do n't have any signatures from me, they cant prove why I was in the hospital.
Product: Debt collection

I was a victim of identity theft and noticed a collection from Receivable Management I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Receivable Management in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you