23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am revisiting this complaint that has impacted me for years since graduating in XX/XX/XXXX.  Sallie Mae ( now both Sallie Mae and Navient ) coerced me into NOT doing student loan consolidation in XX/XX/XXXX ( that significantly dropped my variable interest rates into a low fixed rate ) when they had a consolidation program available. They told me not to consolidate if I had thoughts of going to XXXX XXXX because if I go to XXXX XXXX I wouldn't be eligible for school forbearance, and that I could do consolidation when I am completely done with school. -- - So I continued to pay on the loans at the high interest rate, and I went back to school I was working and going to school - Sallie Mae made the assumption that if a student is in school they don't pay their loans -- this is false and has been harmful to my credit score, getting a mortgage, and now trying to consolidate my loans through XXXX ( I am not eligible now b/c of debt to income ratio and also my credit score ) ... ..I called Sallie May again in XX/XX/XXXX and XX/XX/XXXX when I saw my fixed rate increased yet again asking/this time begging for the consolidation and they told me it was no longer an option/stopped offering it to consumers ... a couple years ago, a Sallie Mae rep told me that the only time they lower rates is if I show I can not pay, and that happens when you can't make payments based on income and expenses. This killed my credit score, which I have yet to recover from to do student loan consolidation. Paying back my loans has been a struggle since XX/XX/XXXX and I want Sallie Mae to drop my student loan interest to the rates they would have been if they would have been consolidated back in XX/XX/XXXX, and remove all credit reporting when they put me on a " special rate program for people who can't pay ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft. The offender used my credit to make alot of inquiries and open up fraudulent accounts. These are the inquiries : XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX/ XXXX XXXXXXXX/ XXXX- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently was informed that I have various accounts on my credit report that I did not open myself or authorize. I also ended up filing a police report of having my ssn card, veteran I.D . and drivers license stolen sometime between XXXX - XXXX in XXXX. Obviously this would have been the reason for the fraudulent accounts. I have reached out the all XXXX credit bureaus attempting to resolve this matter via phone with no success, so I have now filed the ID tfeft with the FTC, now cfpb, and also a police report. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to block and stop reporting of all fraudulent data involved in any Identity theft with-in 4 days of receiving such request and proof of such. 

accounts and inquiries : XXXX XXXXXXXX XXXX XXXX  Account : Account listed on credit report XXXX XXXX XXXX XXXX XXXX  Account : Account listed on credit report XXXX Credit Card Account : Account listed on credit report NYS Child Support : Account listed on credit report XXXX XXXX XXXX XXXX : Account listed on Credit report Unauthorized Inquiries : XXXX XXXX XXXX XXXXn : Inquiry dates XX/XX/XXXX and XX/XX/XXXX Factual Data Consumer Assistance : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX DC XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry dates XX/XX/XXXX, and XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX NXXXX XXXX : Inquiry date XX/XX/XXXX 2023
Product: Student loan

I currently have a pending complaint with Mohela regarding adjusting my payment to reflect the estimated payment provided when I submitted my application. I have recently noticed that Mohela has canceled both of my applications, one sent in XXXX and XXXX XXXX XXXX, without notifying me as well as providing me a reason as to why they were canceled.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries on my credit report. I am a victim of identity theft due to a data breach, and the following accounts and inquiries were not authorized by me.

Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the prompt blocking of the following information from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have repeatedly called Fifth Third Bank ( my mortgage company ) for a Forebearance letter in order to get a reverse mortgage on my house and they refused to give me this letter. 
They also refused to provide my reverse mortgage company ( XXXX ) and I gave them power of attorney to obtain this info. 

I am XXXX years old and without this letter my house can go in foreclosure and lose my house. 

My account # is XXXX Phone # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Home phone XXXX
Product: Debt collection

NBC Management has not disclosed any information to me in reference to a debt they claim I owe. They did not allow the 30 days to dispute or validate this claim. They have harassed my family members and my friends by calling them all hours of the day. They continue to call my old job looking for me. I received a voice message from them basically saying they had legal paper work they needed to drop off for me and if anyone knew any information of my current employer or residency to give them a call.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumers Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic 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 dispute the evidence provided, 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: Vehicle loan or lease

Due to the Oklahoma Flooding and Tornado Disaster we were forced to move. We moved out of state due to prospectively gaining employment at a hospital. We were approved for a payment arrangement on XX/XX/2019 and filled out complete for both auto loans, and mailed on XX/XX/2019. 10 days later only one auto loans was processed for the extension, the other was never processed to date. Capitol One states that they never received the second extension signature page. I find this odd because both sheets of paper were mailed in the same envelope and one auto loan was in fact processed. They have now denied me an extension due to not replying and completing the sign form.
Product: Payday loan, title loan, or personal loan

Company- XXXX XXXX XX/XX/XXXX Balance - {$390.00} This acct was included in my bankruptcy and this business should be fully aware of the bankruptcy laws. The company did not apply in the time frame that was allowed and under these circumstances it should be removed from my credit report. XX/XX/XXXX
Product: Debt collection

This is pertaining to VA toll service. I owed XXXX in tolls and VA sent me to this collection agency and they want XXXX in administration fees. 13 tolls total and they want XXXX dollars for each toll. I have a toll pass but funds were not available due to having XXXX XXXX. I can send the statement they sent me. Thank you for your time
Product: Credit reporting or other personal consumer reports

For the past seven months, the credit bureaus has been reported negative errors on my credit profile, and I would like to remove immediately I have not authorized or consented to any company trying to obtain my credit report
Product: Credit card or prepaid card

Hello its XXXX credit cards on my credit and I didnt open neither one I continue to file a report I file through the federal trade commission identity theft and false information on my report that all credit bureaus continues to post. My identity has been breached through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and nothing is being done
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any account that 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 ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : - ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account # XXXX, account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to TransUnion to request my consumer report AND FILE. TransUnion did not give me access to my consumer report AND FILE. Pursuant to the Fair Credit Reporting Act, I have the right to know what is in my file. I have the right to request and obtain all the information about me in the files of a consumer reporting agency, which is my file disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was fraudulently opened in my name on XX/XX/2019 by XXXX XXXX XXXX XXXX Credit with a current balance of {$560.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Experian erroneously removed two years of perfect on time payments for one of my credit cards : XXXX XXXX XXXX. 
2. Experian erroneously removed from their list of " open accounts '' XXXX XXXX XXXX from my Experian membership profile. 
3. I contacted XXXX XXXX  multiple times about this issue ; and XXXX XXXX representatives assured me of the following : that my account is open, active, and that I have perfect payment history, and that I am in " excellent standing '' with XXXX XXXX. XXXX Bank representatives stated to me that they have always and consistently reported to Experian Credit Bureau, and continue to so, since the opening date of my account with XXXX XXXX. 
4. I spoke to supervisor " XXXX '' and Experian 's " membership services '' teams, where supervisor XXXX informed me that He could in fact see my perfect payment history, and the XXXX Bank account in question. When I explained to supervisor XXXX that I could not see the information on my end, and that I was concerned about this troubling development, supervisor XXXX told me that it may be due to the type of Experian membership I have ; and yet for the past two years I have been able to consistently view and monitor the account reporting data by Experian on my end, without any issues ( since the account was first opened ) therefore supervisor XXXX 's statements don't hold up to the facts. 
5. I just checked my Experian membership today on : XX/XX/21 and see that the issue still has not been appropriately resolved, because the information I have a right to see ( under the FCRA ) is being willfully withheld from me, against my will, after waiting almost an entire month for Experian 's so called " resolution. '' I see that Experian is clearly and knowingly witholding my information from me, and when alerted to this issue ( by an Experian customer ) and provided with ample information and time to remedy the issue, that Experian has knowingly failed to do so, and that Experian has willfully damaged and injured my financial health.
Product: Debt collection

I received a letter from On Line Information Services saying that I had a debt with XXXX XXXX XXXX XXXX. I live in XXXX  and the energy provider is ion Texas. The debt alleged amount was for {$500.00} and from XX/XX/2023. The address on file was XXXX XXXX XXXX, XXXX XXXX, Texas, XXXX. The account number with them is XXXX. I have never been there, lived there nor authorized services at this address.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was scammed out of {$3400.00} via a XXXX transfer. I was contacted via what appeared to be automated text message from Bank of America stating XXXX : BOFA XXXX. Did You Attempt {$3400.00} XXXX Transfer 2023 Reply YES or NO. Case XXXX or XXXX XXXX XXXX reply. I promptly responded No. The I received a second response stating BOFA XXXX XXXX : Thanks for confirming this transaction. No further action is required. Specialist Will Be Contacting You. Txt HELP for help. Txt STOP to opt-out of card text alerts. 

Soon after I received a call from a person representing themselves as a Bank of America employee. The person the proceeded to walk be through a series of account verification questions. No sensitive information was shared. I was then told I needed to follow an account verification process to ensure my XXXX account was not compromised. Through this process I unknowingly sent a total of {$3400.00} to the scammers via XXXX through two transactions.

Shortly after the call ( less than 30 minutes ) I began to question the whole process and called Bank of America to confirm. The representative informed me that no alerts on my account and then assisted me in filling a claims for the unauthorized transactions. Bank of America has denied both claims. I appealed the decision and sent additional documentation and Bank of America again denied the claim. My understanding is Bank of America is required by law to reimburse my funds for an unauthorized XXXX and that this would qualify as an unauthorized XXXX.
Product: Checking or savings account

Re : Wells Fargo case number XXXX and XXXX In your letter dated XXXX XXXX, Wells Fargo said that we were not able to find any indicators present confirming fraud on the account. 

XXXX.enclosed attached files including police report that it clearly showed " FRAUD '' in incident type space. For further verification, please call policeman XXXX XXXX XXXX re : case XXXX XXXX addition to XXXX unauthorized bill pays on XX/XX/XXXX, $ XXXX and XX/XX/XXXX, {$700.00}, there was attempt to apply loan ( application number XXXX ) on XX/XX/XXXX. Also There was illegal adding of bill payee on XX/XX/XXXX. Encloed please find enclosed files-I found these XXXX emails from Junk folder on XX/XX/XXXX. 
Don't you think XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX incidents all were jobs of XXXX scammer. It's fraud, online fraud. 

Please reinvestigate and refund my money back. 
enclosures : police report Wells Fargo letter fake loan application illegal bill payee adding
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : Macy 's ( {$590.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX with Account XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Product: Credit reporting

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I notified the credit reporting agency and they ignored my request for correction. 

1. The information is incorrect for the following account XXXX XXXX, XXXX XXXX, LA XXXX Please remove this inaccurate information from my credit report. 

2. The information is incorrect for the following account XXXX XXXX XXXX, XXXX XXXX, LA XXXX Please Update to XXXX XXXX XXXX XXXX XXXX, XXXX, Louisiana, XXXX 3. The information is incorrect for the following account Federal Tax Lien Case Number : XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

7. The inquiry was not authorized XXXX BANK Account Number : Please remove it from my credit report.