23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX, I noticed two suspicious charges on my credit card account, on which my husband is an authorized user, for {$34.00} each from " XXXX XXXX ''. I called Chase who said the charges had been keyed in and that my card would need to be replaced, and also helped me identify an additional charge from XX/XX/XXXX for {$32.00} from " XXXX XXXX '' that was also suspicious and made via XXXX XXXX. When I looked up the franchise number attached to these charges, they are both in areas of the city my husband and I do not go to. 

Additionally, my husband was hospitalized in mid XXXX with XXXX and he has not been leaving the house, so it is impossible he could have made these charges. 

I noticed today, XX/XX/XXXX, that the charges were still showing on my statement so I called again. The representative this time told me no fraudulent claim had been filed. She also told me that all three charges were made from the XXXX XXXX  account attached to my husband 's phone, in contradiction to what the previous representative told me, and that they were not made in person but online ( again in contradiction to what the previous rep told me ). She opened a fraud claim investigation for me but also told me that because the charges were made through XXXX XXXX, they would probably be found to be legitimate and we would be re-billed for them, potentially impacting my credit. I stated these charges were absolutely fraudulent. 

This is absurd because these charges are fraudulent. My husband and I do go to XXXX, but when you look at the billing statement, the actual locations we frequent show up as " XXXX XXXX '' versus these fraudulent transactions which are showing up as " XXXX XXXXXX '', without the XXXX spelled out. You can also see that we have never been to the alleged franchise locations from the fraudulent charges. I am not even sure if these are legitimate XXXX locations or just a scam to make the charges look legitimate during a credit card theft scheme.
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 : XXXX Account number : XXXX Original creditor : XXXX XXXX  Account name : XXXX XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX Account name : XXXX XXXX  Account number : XXXX Original creditor : XXXX XXXX Account name : XXXX Account XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX ) 15 USC 1681 section 602 A. State 's I have the right to privacy 2 ) 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 3 ) 15 USC 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following item of information, other than records of convictions of crimes which Antedates the report by more than seven years 4 ) 15 USC 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 tht the information is accurate
Product: Consumer Loan

A year ago XX/XX/2016 the car was in crash was totaled. The car place in impound by choice cause the body shops would n't take the car. My grand son did n't get ticketed and the car was n't impounded. This was told to Toyota financial and Toyota guaranteed auto protection claim dept # GAP XXXX to payoff the car. However, all Toyota did give permission without me knowing to XXXX XXXX XXXX the impound to buy the car themselves from Toyota as total loss vehical. As of XX/XX/2016 the Toyota GAP has n't payoff the car. I contacted them as usual they give me round around that the recovery department has to apply for the claim. They transfer me to recovery transfer me customer service and they did n't know why I was transfer to them. I do n't know what do about it at this point. Also the car had recall do to " Accelration '' malfunction and that was accident as well they wont do anything about that either and they do n't answer the letters either. I bought this car joint with my grand son XXXX XXXX.
Product: Mortgage

On XX/XX/2020 I started receiving letters from Mr. Cooper that I need to start making the payments again after the pandemic loan foreberance, they also gave me an option of amending my monthly payment due to Pandemic and it is called pandemic amended payment where Mr. Cooper would reduce my monthly Mortgage payment due to Pandemic. So that was applied on XX/XX/XXXX and I was told within 7 - 10 business days I will get a response from Mr. Cooper regarding this. Today 22 days have passed since I spoke with the agent and I haven't received anything. I have made around 10 calls  regarding this matter and every time I speak with a new person as my SPOC ( point of contact ) is not picking up the phone. Every new person give me a difference excuse. 

Now after threatening mr. Cooper a lawsuit, this is what they have mentioned on their website ( Please see attached ). so now they will take another 30 days to process that Amended Forebearance payment. This company is just harassing me and doing nothing else. I should have got this decision by XX/XX/2020 and today is XX/XX/2020, still there is no decision. 

Secondly, my monthly payment is XXXX and in the last statement generated this month on XX/XX/2020, the monthly payment has increased to XXXX for which I called customer care yesterday and the customer care agent told me that she is going to suspend the increase of {$15.00} for next 24 months but I am not seeing that on Mr. Cooper website. I did not receive any letter regarding the payment increase. They just increased the payment on their whim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}
Product: Debt or credit management

I received a check in the mail from your convenience and it say it from XXXX law matter is this a real check
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXX used my social without my authorization. XXXXXXXX XXXX  Is another company and CREDCO. Also XXXX XXXX XXXX. 
Please remove all the credit inquiries I did not made starting the month of XXXX, so my 3 credit bureaus are not hurt.
Product: Credit reporting or other personal consumer reports

I SUBMITTED A DISPUTE TO EXPERIAN REGARDING UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. THE COMPANY DID NOT DO A PROPER INVESTIGATION INTO MY DISPUTE AND I WOULD LIKE THE CFPB TO ENSURE AN ACCURATE AND FAIR INVESTIGATION IS COMPLETED INTO THE PERMISSIBLE PURPOSE OF THESE INQUIRIES. As per the Fair Credit Reporting Act ( FCRA ), only inquiries made with a permissible purpose are legally acceptable. Unauthorized inquiries not only violate my privacy but can also adversely affect my credit score. I kindly request that you initiate an immediate investigation into these unauthorized inquiries and proceed with their deletion from my credit report. This action is crucial to maintaining the accuracy and fairness of the information reported by your agency, as mandated by Section 604 of the FCRA. Please provide a written confirmation once the unauthorized inquiries have been successfully removed from my credit report. Additionally, I request an updated copy of my credit report reflecting the corrections made.
Product: Debt collection

I have received numerous phone calls from a debt collector nam e Diversified Adjustment ev ery day in reference to a debt they say I owe to  XXXX . They want my checking accounts numbers or debit account numbers over the phone in order to satisfy this debt I said to have information written to me so I can send this payment owed with a checking account. Again I do not kno w Diversified Adj ustments and the constantly call. I tried to send a email but the email server said they do not exist. The number they use is  XXXX   (   XXXX   )   XXXX .
Product: Mortgage

I need assistance in obtaining a cancellation of the security deed with Nationwide Advantage Mortgage. The mortgage was paid off in XXXX. XX/XX/XXXX, I applied for a home loan and found that the title was not clear. The loan officer at XXXX Bank and myself have tried to found someone who could help ... to no avail. The account has been transferred to XXXX XXXX. Since the account is not active, they can't provide any assistance. I do have in my possession two letters from Nationwide stating that the loan has been paid in full and a release would be sent to the recorder office.
Product: Mortgage

We were on a covid 19 forbearance for 6 months in XXXX we sent in a request for an 180 day extension the request was denied we requested again and again denied. No notice was given that our house was going to a sheriff sale until I received a letter stating that my house was sold on XX/XX/2022 that letter came on XX/XX/2022 so was this some sort of secret sale because I have done alot of research and can not find anything about this now or in the past so if Rushmore Loan did this they did it in secret or this other person is lying who sent me the letter. We should have received the 180 day extension but were denied. Also a couple of questions that Rushmore has not answered. My brother XXXX who was responsible for the loan past away a few years ago I notified them they bought the mortgage from XXXX  without knowing this I told them my wife and I are current residents and homeowners for this property my brother had mortgage insurance in case something happened to him this was part of the original mortgage but after he died they said XXXX  there was none I still have the original mortgage showing it was apart of it so my brother always thought it was there so something happened to it without anyone 's knowledge or approval also at the time my brother signed the mortgage there turned out that there was no equity so my brother was going to walk out however XXXX gave him a {$10000.00} side loan which he later told me he felt pressure to do and sign to get the mortgage I do not know what to call that type of lending practice. I am almost XXXX XXXX XXXX this was my family home so I know that it is my death sentence if I have to go homeless I have asked for our 180 day extension and maybe as things get better we can work something out. Thank you for your time and being there to help. I think this was a FHA loan but I know it was a government backed loan also I have the documents showing the side loan even the folder it came in labeled side loan. THIS IS A COPY OF THE ORIGINAL COMPLAINT XXXX, FILED XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple request to the major bureaus ( XXXX, XXXX, XXXX ) about the incorrect Bankruptcy information listed on my reports. I submitted files directly from the courthouse showcasing the error they stated was correct after asking them to investigate my file. They directed me to LexisNexis since they verified it as being correct multiple times during their investigation. I reached out to LexisNexis after reviewing the report they sent me in XX/XX/2020 and then asking them to verify its accuracy. LexisNexis never replied back to my multiple inquiries about why theyre reporting it accurate to the bureau yet wont show me where theyre getting this information from. I even went to the court house pointed out the multiple errors and incorrect information in writing back in XX/XX/2020. After no reply within 45 days i reached out to them again XX/XX/2020 requesting they investigate and validate the information directly with the courthouse. They havent responded back to me neither times within 45 days. I recently sent a third request XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

First investors Financial services sold this debt to XXXX XXXX XXXX XXXX XXXX and one XX/XX/XXXX I paid the amount owed in full but they are still reporting on my credit Date account open XX/XX/XXXX XXXX
Product: Credit reporting

I have inquiries on my Transunion report that showed back up on XXXX/XXXX/16. Apparently they had some sort of error in XX/XX/XXXX and they never informed me and now all these inquiries are on my report that should n't be. I called them I keep being told they do n't know what I 'm talking about. I would like those inquiries removed immediately.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provide, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending request to investigate all accounts which are not belong to me and were opened like a fraud. If you do not have proofs that are mine, please remove as soon as possible from credit report.
Product: Credit reporting

I have a collection account on my credit record with Experian that I have disputed multiple times and they still will not remove it. It should not be in my credit report because I am not responsible for paying the debt since I was not the insured party that incurred the debt and not on the policy or received the service. I disputed the same account with XXXX and XXXX and they removed it from my credit record - Experian will not remove it.
Product: Student loan

We can not begin to describe the level of incompetence and disgrace that has arisen from our experience with Mohela. Horrific. 

I had applied for PSLF forgiveness ( to include XXXX ) on XX/XX/2022. That would have qualified for the 120 months worth of forgiveness according to my qualifying count on both Studentloans.gov and XXXX prior to the transfer to MOHELA. All we needed was for Mohela to count the twelve payments over the last twelve months since I was with my employer ( and still am ) for the entire duration of that time. Thats it. Count to twelve.

However, we were told it would take 90 days to do so. Regardless, on XX/XX/2022, we called Mohela to check on the status of our loans and spoke with XXXX. XXXX verified the form submission and all details filled out were correct. 

However, on XX/XX/2022, MOHELA erroneously submitted a response stating Your employer provided an employment end date on your PSLF Form that is more than 60 days prior to the date we received your form. Therefore, we are unable to confirm if you are still employed with that employer. You must be employed full-time by a qualifying employer when you apply for and receive forgiveness under XXXX or XXXX. 

1. This is patently false. If MOHELA had bothered to check the form submission which can be found on their own website, they would see that the employer certification, the employee signature, and the received date are all the same : XX/XX/2022. It does not take an inordinate amount of effort, let alone 90 days worth of effort to do that. 

2. It is irrelevant. As long as I was employed on XX/XX/2022, that would have constituted the full 120 payments per the prior qualifying counts as confirmed by both Studentloans.gov and XXXX XXXX. 

It is unbelievable that something like this has to involve so much complication and quite frankly shear incompetence over such an inordinate duration of time. This is egregious and contravenes Congress and the Presidents intent for the program. We will be sharing this information with all prospective legislators who represent us. 

XXXX recently reached out to us - along with other lenders- and offered monetary settlements to account for their previous bumbling of student loans. You would think MOHELA would take note, but clearly they have not. 

Request MOHELA go back and perform this check in accordance with the mandated standards and processes as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive already contacted XXXX to initiate a dispute and noticed their not quick at there turn around process. so i did what could to reach out to the company 's on my end ike XXXX rep told me to do. i call one main local office and dealt with the office manger and district managers and also someone from the corporate fraud team. that didn't get me anywhere. so im filing this complaint because im mad at transunion and onemain. i am trying to get something removed from my credit report as a result of fraud and identity theft and if it doesn't get removed with in 60 days i'll start a civil lawsuit. last chance. i shouldn't have to live like i do with these scammers and stealing my identity and harassing me emery and no one 's doing anything about it not locally not statewide not federally. hope you can since that im a bit irritated,
Product: Student loan

In XXXX of 2024 I requested a forebearance. I was never granted the forebearance until I filed a complaint with the Dept. of Ed. I also applied for the SAVE repayment plan which is supposed to put me in admin. forebearnace, and I believe it may have but I've recently been taken out of forebearance. Even tho the application has not been processed. Further, I enrolled in school full time and even though studentaid.gov shows me in forebearance for being enrolled in school, Mohela is now asking for payments starting in XXXX.
Product: Credit card

I received XXXX calls in a 4 hour period on XXXX/XXXX/15 from Discover Card. I am ill and was sleeping. The fact that this averages a call an hour makes this harassment. Especially considering I have told them in the past of my intent to declare bankruptcy. The calls came in at the following times:XXXX XXXX XXXX CST12XXXX CSTI was left XXXX voicemails ; this includes a full voicemail of someone typing which I believe was left just to harass, and the second the person just states her name and then pauses for a good amount of time before hanging up. 

They know what they are doing is wrong and they still continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes The CRRG standards state that in order to make a report, you must follow their guidelines.

Any deviation from these standards jeopardizes the integrity of data. & quot ; This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!