23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I previously submitted a complaint about MOHELA through the Consumer Financial Protection Bureau ( CFPB ) regarding my monthly payments under my Income Contingent Repayment ( ICR ) Plan. MOHELA 's response indicates that they did not read my complaint thoroughly and based their answer on an incorrect assumption. 

I would like MOHELA to read this new complaint very carefully. I want my monthly payments to be prorated based on the total amount of federal student loan debt both my wife and I have. 

The Department of Education states : " So, any time we use a joint income to calculate your payment amount, we will also take into account any federal student loan debt your spouse has. We will then prorate your payment based on your share of your and your spouse 's combined federal student loan debt. And for the record, your spouse doesn't need to be repaying his or her federal student loans under the same repayment plan as you or even under an income-driven repayment plan. '' If you read further in the article and the XXXX attached, it shows how to calculate the monthly payments WITHOUT including my wife 's loans in the ICR Plan. 

Link to Dept of Education article : https : //www.ed.gov/content/something-borrowed-how-marriage-impacts-your-student-loans
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting debt of XXXX on my Trans Union, XXXX, and XXXX  report. This debt was paid directly to XXXX University, not the in-house collection agency. XXXX XXXX XXXX needs to remove collection agency and balance from all three credit bureau. Please see attached receipts and email from XXXX stating the collection account remove.
Product: Credit card or prepaid card

In follow up to complaint number XXXX I am asking that this complaint be continued with Chase Card Member services. I was told only one call was reviewed for a case that spanned many months and many calls. This one call has only a partial story telling capacity that does not tell the full story of what needs to be told to understand the story.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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: Credit reporting

TransUnion shows an incorrect address in my history. They show an address in a state in which I never lived. There is no way to remove it because no person answers the phone and the phone options do not inlude change of information. My sister is having a similar problem. There is no one to speak to and the option that is needed to further the call does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-husband and I divorced in XXXX. I was awarded our house in the divorce and he filed a quit claim deed. He filed bankruptcy in XXXX and because he is on the deed to the house was told to list it on the bankruptcy even though it would not be included in it. During all this time from XXXX to present, I have been responsible for the mortgage payment. Payments have been made on time. The loan originated in XXXX and was in my name only and we refinanced in XXXX and at that time my ex husband was added to the mortgage. My name was not included at all in his bankruptcy. Fast forward to XXXX, I apply for a new mortgage and am told my mortgage is not on my credit report. There is no record of me having a mortgage even from XXXX or from XXXX. I called my mortgage company and they said in XXXX when he filed bankruptcy they stopped reporting mortgage payments. I could understand this if was still responsible for the loan in anyway or if we were both listed on the bankruptcy. I don't understand why my credit reporting was stopped due to his bankruptcy. Now, I have no record of 16 years of mortgage payments in excellent standing. My credit is horrible through no fault of my own. The mortgage company said they will start reporting my mortgage payments as of XX/XX/XXXX but will not do anything about the past 16 years. I would like my credit report to reflect my mortgage for the entire life of the mortgage or at least from XXXX forward. Thank you.
Product: Student loan

Title : Debt Validation Letter Date : XXXX  Your full name : XXXX XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for verification or proof of my mailing address, but a request for Validation made pursuant to above-named Title and Section. On XX/XX/2023 XXXX XXXX. ( Nelnet servicer ) responded back with no evidence of the alleged debt showing 10 accounts on my credit report. Also letting me know that it did not come from the Department of Education but it come from the Department of Education, that does not make no sense at all. I have never received letters of any kind of the alleged debt. I respectfully request your offices provide me with proof of the alleged debt, all originals not copies. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State laws. Due to this fact if any negative mark is found on any of my credit reports by company or the company that you represent, I will not hesitate in bringing legal action against you and your following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. I request that you provide original evidence of the alleged debt as I have already stated on the previous report filed. During which time all collection activity must cease and desist of reporting on my report, Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all referenced to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

Despite numerous written requests, the unverified accounts listed below are still appearing on my credit report, which is a clear violation of federal law. XXXX Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my efforts to address it directly with the creditor, amounts to willful negligence and non-compliance with federal statutes. I demand the immediate and complete removal of the following accounts from my credit reportsXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I can not link my XXXX account with my PNC bank account anymore. I was originally able to send money using XXXX and my PNC account but can not anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report and noticed inaccurate and unauthorized items being reported, I contacted the bureaus to dispute these items and have them investigated. I have received responses stating that the disputes could not be completed because they dont believe that the notices came from me as well as responses stating that the investigation was complete and some items were verified. I questioned their verification process as some items were fraud and obviously the information used would match my information but they wouldnt confirm their process. Other items that I disputed, I received notification from the actual courts that stated they never verified nor do they provide information to the credit bureaus. I have provided a FTC report and police report for the fraudulent accounts and have made contact with the courts to remove other items but they stand on the fact that they cant remove what they never reported.
Product: Credit card

Bank of America illegally withheld rightfully earned rewards on XXXX of the credit cards I have with them. They did not allow me to redeem rewards where the transactions were completed successfully and shown on my statement. Instead bank of American decided that I was a risk and closed my accounts. I have been with them for more than 5 years with the same activity throughout those years. Bank of America not paying rewards to customers who have rightfully earned them is illegal. Bank of America has been penalized before for wrong doings like this and it seems they just keep on repeating said violations. XXXX XXXX XXXX XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter via certified mail to Experian requesting verification of a reported bankruptcy on my credit report. Experian never responded. Here we are into a new year and they have gone pass their allotted time frame to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion PROVIDED MY CONSUMER REPORT TO THE BELOW LISTED ENTITIES WITH MY CONSENT. 

Name Requested On XXXX XXXX XXXX via XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

US Bank has not honored its XXXX XXXX XXXX contract and not posted the XXXX points promised after the spend was met. It is nearing 6 months since the points should have posted, and multiple phone calls have yielded a whole host of excuses as to why the points were not honored, including glitches, confusion over XXXX XXXX XXXX, and even a bug where statements were n't generated ( all untrue ). The most recent phonecall was the most brazen attempt of avoiding fault, with representative XXXX ( id XXXX ) went so far as to demand additional spend on the car beyond the XXXX XXXX XXXX in order for the points to post.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have collections from XXXX amount {$940.00} originally disputed XXXX successfully taken off my XXXX  and XXXX  by the collection provider & they been sent info to have it removed from transunion. Transunion somehow has not take it off my credit report. Already disputed that it was not mines since i've never had XXXX. attached is the dispute letter that was sent.
Product: Checking or savings account

I have already filed a complaint and will be filing another based on the false information that the bank responded with. 

The information you provided regarding Visa rules is accurate - You state here that what I submitted was accurate. Meaning, the cardholder shall be given credit during the investigation as determined by VISA Rules Section 1.1.11.1. 

however, the rules also state that the Cardholder must attempt to resolve a dispute with the Merchant or Merchants liquidator, if applicable. You provided copies of your email communications with the Merchant which confirm that the Merchant attempted to work with you to resolve the issue but you did not respond and therefore did not accept their assistance. - You say that I never responded to the merchant, this is false as I reviewed the emails myself and show my responses advising that I wanted a refund and would accept nothing less and even offered to take a 50 % refund. The Merchant refused! 

SoFi has not provided a provisional credit for the following reasons : -It is not required by Reg E - This is not a Reg E claim ; I provided you a call recording with VISA Rules Customer Service who clearly stated that this claim falls under VISA " Consumer Dispute '' Rules and not under Reg E ; I also called the Fed Resv and CFPB and was advised of the same. Reg E only covers " Errors '' on an account ; these pertain to ATM/Debit Card transactions using the PIN associated, it does not provide " Consumer Dispute '' guidance.

You agreed to ( and did not honor ) a 15 day Money Back Guarantee with the Merchant - Under VCR 13.3 the Merchants refund policy has no bearing on the dispute and is not used to determine if the claim is valid or invalid. 

You did not work with the merchant to resolve the issue. - This is not true I attempted twice to get the Merchant to view it from my standpoint and even offered to settle for less than the purchase amount. 

You people apparently do not know the difference between a Reg E complaint and a " Consumer Dispute '' and what guidelines to follow. You really need to sign up for VISA Class and get certified on how to handle these complaints. Considering if you simple review documents on the VISA website as well as companies who specialize in chargebacks you will see that I am 100 % correct and you are 100 % incorrect with this matter. 

I think that the Fed Resv, CFPB and VISA all need to be brought into this and give their take on this case and prove who is wrong and who is right. I bet I prevail!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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
Product: Credit reporting or other personal consumer reports

I earlier file a complaint of wrong reporting on this account and the investigation didn't make any corrections. In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I an account that are not correctly reported Account name : XXXX XXXX  Account Number : XXXX This account has been paid off but you still have it that i owe {$150.00}. balance is now {$00.00}. 
find attachment of account showing paid off below and also contact the lender to get the right information and do your job right
Product: Credit reporting

On XX/XX/XXXX my credit report showed XXXX collections, on XX/XX/XXXX my credit report from transunion showed XXXX collections. The following day it updated to XXXX of the collections that were previously on there before it went to zero being re insterted. This is a violation of my rights and against the law to reinsert information without a 5 day notice. This never happened. I 've attached supporting documentation via XXXX my credit reports before the incident when it happened and after. reinserting them without writing a letter 5 days prior to reinserting them then they are breaking the law so they have to remove those collections and send an updated report
Product: Mortgage

On XX/XX/2022 I received an email from the Supervisor at BSI Financial with regards to my inquiry on removing the PMI from my mortgage. This was after having at least 4 previous calls with reps who were unable to understand the specific scenario and specific request. I began reaching out to the Supervisor XXXX XXXX by email on XX/XX/XXXX and XX/XX/XXXX in order to clarify some questions I had with regard to what type of Appraisal report was needed to be submitted for a " Borrower Initiated Termination of Conventional Mortgage Insurance Based on the Current Value of the Property ''. After an additional 3 calls and unable to get answers from frontline reps or from XXXX XXXX, the Service Provider, BSI Financial is not responsibly servicing my request to remove PMI, and not providing the information needed to move forward with the removal of PMI. This has reached a level of obstruction that needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington Law did not help me & charged me {$300.00}
Product: Mortgage

i was told my Covid forbearance has ended ; i then tried to work out a repayment plan with Shellpoint including the possibility of additional payments being deferred to the end of the loan i was told due to my income level there was no possibility to be worked out and if i do not come up with all XXXX the entire amount of the Covid-related missed payments i would be foreclosed upon immediately ( unbelievable! ) ; compounding matters i have been making partial payments for the last 4-5 months ( escrow only ) and i was also told i am entitled to an additional month of deferment but i can not get it please help me as i want to work out a structured settlement but the rep-manager, XXXX XXXX is not being cooperative whatsoever! 

thank you in advance for your help
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year>
Product: Checking or savings account

Wells Fargo Account was charged non sufficient funds fees and accounts closed.
Product: Money transfer, virtual currency, or money service

I want to know why no longer can use my cash app it was flagged for gambling which wasn't true.
Product: Credit reporting or other personal consumer reports

recently i found several inaccuracies on my recent consumer reports on the account by the name of XXXX XXXX XXXX account # XXXX this account is hurting my ability to obtain credit. all the bureaus need to investigate this account for me because I found multiple inaccuracies. XXXX, XXXX, Transunion please ensure accuracy 100 % accurate with all information verified as accurate.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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