23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I filled out the Public Service Loan Forgiveness ( PSLF ) and mailed it to MOHELA early XX/XX/2022 ( forms are dated by employers around XX/XX/2022 ). My qualifying employers are the Social Security Administration and the Department of Labor, both federal government organizations that qualify my Direct Loans for forgiveness. In XXXX, I received a letter, dated XX/XX/2022 from MOHELA stating that " you or your employer did not answer questions 9-12 in Section 3 confirming your organization type. '' However, both my forms have checked the YES box in the above reference question number 9 which asks " is your employer a governmental organization? '' If Yes, Skip to Section 4. Therefore, questions 10-12, as well as 13, are not applicable so both my employers skipped to section 4, as the form directs, which is Employer Certification and signature. 

I have tried to call MOHELA but can not get through to anyone.
Product: Checking or savings account

the chase bank is been charging me dobble triple and some times five time for the same thing specially when using the ATM no mater if using the chase or different is the same still charging more.

i been trying to make a solution to this problem but still the same when i call to report most of the time answred a lady in another country and said she not understand me is to hard to understand, i schedule an appt they told me he is not going to waist his time to review with me all the receives i have. 
i been contacting the consumer report here in the state of Arizona but they told me is a federal institution and i have the email, for the reason contact this consumer financial with the hope find justice. 
the times when i been calling the chase bank requested the something to called the other part to see if they can fix the atm machine but chase employ told me cant give me the information of the facility is charging me, when i reported the fraud on those payments they putt my money back in my account but and i received a letter saying the investigation it was on my favor but after one week they recovered the money and charging me 3 times more please i need a hope or some information who can help me. 
and sorry for my ignorance.
Product: Debt collection

World Finance who I got a loan from showed up on my job to deliver a letter not XXXX but XXXX. How do I handle this
Product: Debt collection

I am writing to dispute and request an immediate investigation into certain items on my credit report, which I believe are reported inaccurately. After reviewing my credit report, I have identified discrepancies that are causing significant harm to my creditworthiness. I kindly request that you conduct a thorough investigation into these matters and provide me with the results in a timely manner, as required by law. If any documentation or clarification is needed, please inform me promptly. The following items require your immediate attention : XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX. I do not recognize this public record, and it is not associated with me. Reporting this item is erroneous, and I request its immediate removal from my credit file. This inaccurate information is detrimental to my creditworthiness and must be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed on XX/XX/. Failure to address and correct these inaccuracies within the stipulated timeframe will leave me with no choice but to pursue legal action to rectify the harm caused by these reporting errors.
Product: Debt collection

I lost my social security card and few years back and I checked my credit report and noticed their were two accounts recently opened under my social security number and I tried to dispute those accounts so they can be closed and off my credit but its saying the account stuff is accurate and I physically went and opened those accounts when I never have any acknowledgment of these accounts even being opened in my name. Someone else is using my social security number without my permission and charging things to my credit making it go down.
Product: Debt collection

I am filing a complaint against Magguilli Law Firm , PLLC for improperly charging me legal fees after I requested debt validation. On XX/XX/year>, I submitted a formal debt validation request, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

The law firm responded with some documentation regarding a past agreement but also imposed a legal fee of {$430.00}, despite my request being a standard validation inquiry. I did not request or authorize any billable legal services, nor do I acknowledge ownership of the alleged debt. Charging a fee for responding to a debt validation request is unfair, deceptive, and potentially unlawful under the FDCPA. 

Although I have not made any payments toward this charge, I am concerned about the firms attempt to impose improper fees simply because I exercised my legal right to request validation of the alleged debt. This creates unnecessary stress and raises concerns about whether the law firm is misleading consumers into paying fees they do not owe. 
Additionally, this charge could lead to further financial complications, such as being wrongly pursued for payment or having it improperly reported on my credit file. The firms actions may deter consumers from requesting proper validation, violating the spirit and intent of the FDCPA.
Product: Credit reporting or other personal consumer reports

Hello, In XX/XX/XXXX, I applied for a personal loan and was notified by the lender on XX/XX/XXXX that I was unable to be approved due " Serious delinquency on credit bureau ''. I proceeded to pulling my credit reports from the various major bureaus. I was shocked to find that there was charge off for {$17000.00} with XXXX XXXX. This account is showing as have been opened on XX/XX/XXXX, with an address of XXXX XXXX XXXX, XXXX, MI, XXXX, an email of XXXX, and a phone number of XXXX. None of this information belongs to me. I contacted XXXX  XXXX immediately and after being provided some account details, I was provided with a number that I could call to discuss the matter and was transferred over to another line, which seemed to be the collection agency or law office handling the delinquency. I left a message on a random extension with my concern and was never called back. 

I filed a dispute with Equifax and on XX/XX/XXXX, I received the following : " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # - XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACCOUNT HISTORY. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX '' I contacted XXXX XXXX on 3 separate occasions, each time providing more details and have the following response letters : Case Number : XXXX dated XX/XX/XXXX Case Number : XXXX dated XX/XX/XXXX Case Number : XXXX dated XX/XX/XXXX All response letters contained the same identical message : " Dear XXXX XXXX XXXX Thanks for contacting XXXX XXXX about possible fraud on your credit card account. We've finished our investigation of your fraud claim. Our research found no signs of fraud. As a result, we haven't made any adjustments on your account. '' Appended to the bottom of those response letters was number XXXX ext XXXX to call for any questions. I have called this number several times and left several voicemails. No one has returned my call from the possible collection agency or law firm. 

Identitytheft.gov website was utilized for my 3rd communication with XXXX XXXXXXXX where I notified XXXX XXXXe that I was a victim of Identity Theft, attached a copy of FTC Identity Theft Report, and requested the following : - Close the unauthorized account - Remove any charges on the unauthorized account, and - Take steps to remove information about this account from my credit files
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX XXXX in XXXX, VA and XXXX XXXX ( headquarters in XXXX XXXX, TX XXXX submitted Hard Inquiries on my account on XX/XX/2019. It is my understanding that because these inquiries occurred the same day, they should have been counted as only 1 inquiry. I am submitting documentation stating that " all inquiries for a mortgage, an auto loan or a student loan '' should be counted as a single inquiry if within a 45 day time frame. My rights as a consumer have been violated.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX experian sent a letter with dispute results. They disputed the wrong results!!! They disputed with XXXX. I need the dispute to be with XXXX!!!! This is not complicated. The account still shows updated and has not been updated on Experian since XX/XX/XXXX. This account needs to fall off my credit score. Its not accurate. I want the dispute for experian to get it off me credit report or defer to XXXX to get it off credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX collection agency has been re age. The date of last activity show Transunion being XX/XX/XXXX and XXXX show XX/XX/XXXX The original creditor ( XXXX ) has the date of last activity as XX/XX/XXXX, this shows the account has been re age.
Product: Credit reporting or other personal consumer reports

I have inquiries with XXXX credit bureau that I did not authorize and do not recognize. I need them removed immediately. 

Each unrecognized/unauthorized item that is on my XXXX report are listed below along with the inquiry dates : CITIBANK NA. , BEST B ( BANK ) - INQUIRY DATE ( XX/XX/year> ) CITIBANK NA., BEST B ( BANK ) - INQUIRY DATE ( XXXXXXXX XXXX XXXX )
Product: Debt collection

My name is XXXX XXXX, I received notification from XXXX XXXX XXXXXXXX For a debt I had no knowledge of from XXXX XXXX   XXXX from an account that I learned from calling XXXX XXXX that was closed out 8 years ago and know just learning that i owe money to them. My question is doesn't this fall under the statue of limitation of 4 to 6 years to collect, also this is the first time I'm hearing about this after receiving my mail Saturday XX/XX/XXXX of 2018 which contained this noticiatation letter stating that I owe only 8 year after the fact they closed out my account with XXXX XXXX in XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Student Loans Received a student loan forgiveness letter for The XXXX XXXX as well as XXXX XXXX XXXX that states my student loans have been forgiven and I would no longer be required to continue payments for the loan, as well as my credit report would be updated and the loans would be removed from my credit report. 

My credit report currently reflects the following : XXXX ) XXXX XXXX XXXX  loans removed. The same student loans are still reflected on XXXX and Transunion and need to be removed based on the need to have complete accuracy on each credit report. The credit reporting agencies already have been notified to remove these items but failed to do so. The next step will be legal action. 

2 ) XXXX Reflects the following in the notes. The note states : Account information disputed by the consumer ( meets requirements of the Fair Credit Reporting Act ) XXXX and TransUnion have closed the accounts but are still reflected on my credit report. A decision has been made to remove the items from the credit reporting agencies already and should be completed by each reporting agencies to maintain accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was submit a complaint with XX/XX/XXXX about two accounts in my credit reports. Problem is that their account appears in my credit reports for too long time. 
Accounts are : 1. XX/XX/XXXX XXXX Credit Card, Opened XXXX XXXX, XXXX XXXX 17 yrs, 10 mos ) ) and Closed on XX/XX/XXXXXXXX, XXXX 2. XX/XX/XXXX Credit Card, Opened XXXX XXXX, XXXX XXXX 17 yrs, 10 mos ) ) and Closed on XXXX XXXX, XXXX
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 in a the following items of information. Any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX Chase has been running " a credit application '' for various " amazon credit accounts '' that I'VE NEVER APPLIED FOR! I've filed various complaints and asked that they STOP! The previous complaint that I filed through you resulted in them " masking ' the inquiry but apparently not in them stopping the activity since on XX/XX/XXXX it was done again according to the attached letter. I WANT THEM TO STOP! In addition to this request I WANT THEM TO PROVIDE ME WITH THE IP ADDRESS THAT THE APPLICATION WAS SENT FROM SO THAT I CAN TURN IT OVER TO THE FBI INTERNET CRIMES DIVISION so  the culprit can be prosecuted accordingly. I was told with the XX/XX/XXXX inquiry to ask for this information in writing so in addition to telling them to STOP, I want the IP information sent to me in this response. I want them to remove the fraudulent activity of course.
Product: Student loan

When I got my apartment last XX/XX/XXXX I had a XXXXredit score of XXXX when I applied for a credit card a couple weeks ago I was turned down due to late payments on a student loan. I have prided myself on making payments on time and paying off my used car. When I was turned down I was totally shocked and did not understand. So when I returned to work I pulled my credit report and saw that Nelnet had me 120 days delinquent and {$3200.00} behind. I had been paying the XXXX XXXX XXXX and XXXX but did not realize that I had a third loan company sitting out there as I had never received any correspondence from them. I had resided with my mom my whole life with no address change. She or I would of never threw away any correspondence from XXXX or any mail that was not junk. I never received any notification either through mail, email or telephone. I then contacted them and found out the I was in forbearance in XXXX and XXXX but was not notified when that ended. They had an old email address for me that my employer changed sometime ago. I questioned as to why the when an email address is changed it should of came back to them saying it was not deliverable. That'always happens when I send an email to the wrong email address. They said that had sent letters to my moms address, called and emailed me. I ask them why would I XXXX up perfect credit by just not paying one of my creditors. I got no where with them or their solution department. They continued to say we contacted you with no response. I kept saying why would someone with perfect credit XXXX it up like that? I filed a dispute but they seemed to be standing their ground. I ask that since I was not advised I ask them to remove it from my credit report and allow me to start making monthly payments. Since after several phone calls and hours of conversation I contacted my uncle who is a collection lawyer and recommended we file the dispute and contact the CFPB. He said this exact thing happened to his son but he new someone who worked with XXXX and he was able to get it cleared up I don't have the connections he has. He said that CFPB would take this serious and look into it. Getting my credit report cleaned up is what I am hoping for. Please advise me how to further handle this very frustrating and upsetting situation,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a consumer a natural living man. All debts are obligations of United States. I did not give any consent. I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between XXXX XXXX XXXX and XXXX and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. There furnishing deceptive forms. XXXX XXXX has XXXX a crime. Its discrimination
Product: Debt collection

I live in XXXX  ... .im employed at about XXXX a year... ..It 's NOT my fault our country doesn't offer affordable HEALTH insurance ... ..To pay the amount owed and FURTHER bills coming is not in my capacity. The best i could do is {$100.00} a month... .NO MORE .....
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 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, they also violated my rights under 15 U.S.C. 1681 sections 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: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I called 1st Franklin Financial to pay off the remainder of my balance. I spoke with XXXX XXXX who took my bank account information over the phone, put me on hold and then came back on the line to tell me the payment wasn't going through and he didn't know why and he would call me back. He did not call me back so I called him the next morning. He then lied to me and told me he called me ( he didn't no missed calls or messages ) and that the payment went thru and they would send my receipt in the mail. They charged my remaining balance TWICE and now I can't get a hold of them because it's the weekend.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

I have a cash back Visa credit card account with Wells Fargo. My balance is over the limit, because of fees and interest. I can not pay the full amount. I went online to make a payment on XXXX/XXXX/17, of {$130.00}. The next day I went online to check to make sure payment was processing. Then the summary said I really should have paid {$170.00} instead of {$130.00}. The amount changed because I did n't pay the overlimit amount immediately, so they charged me another fee.
I am in a situation of a cascading amount of fees and interest, that are abusive. So my monthly payments are so high that, I have no money for food, gas, living expenses, etc. I want to keep this account current, but I am heading for default.
I am XXXX and live on Social Security. I called the customer service and her supervisor and told them this. They said there was nothing they could do and they would not forgive the fees in any way.
I am now considering suicide. I told them this and they could care less.
I do not want to hurt my credit score, because I may not get approved for housing and I will become homeless.
Remember, 75 % of the balance is NOT principle. It is fees and interest -- - extremely abusive.
Please step in and help me. I do n't want to go into default, but the payments are too high for me to make.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries.

XXXX XXXX XXXX XXXX XXXX XXXX