23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Took out two loans with money lion. Neither were reported both have been paid in full. Further they are now holding the escrow amount after the loan was paid in full.
Product: Debt collection

XXXX XXXX Account REceivable Services has repeatedly called friends, telling them my business, calling and threatening to have me arrested, and sued, and seize all my belongings. This began on XX/XX/2020. I have told them to stop calling me, and stop calling my job and my friends about my personal business, but they continue to do so.
Product: Student loan

I am reaching out to obtain a status update on the request made on XX/XX/2022, regarding XXXX XXXX XXXX XXXX. MOHELA is literally " hiding '' behind the issues that are presently addressed through the legal system. I have been in the XXXX XXXX XXXX XXXX for over XXXX years with over the XXXX payments required for forgiveness, and my account was only affected by those legal issues once you all CONVINCED me to consolidate my parent plus loans. 

I am attaching a copy of the letter from FED Loans dated XX/XX/2022, indicating that my XXXX  XXXX XXXX was XXXX at that time. I am also attaching a copy of the PSLF Payment Tracking showing that I made XXXX payments. 

I consolidated on XX/XX/2022, to include my parent plus loans. MOHELA processed the consolidation on XX/XX/2022. I was on the Income-Driven Repayment ( XXXX ) plan before consolidation and am currently on the XXXX payment plan. MOHELA has only given me credit for a total of XXXX payments. 

I was provided information from XXXX XXXX XXXX and MOHELA that my payments before consolidation would be counted after the loans were consolidated. This has yet to happen. Instead, MOHELA has been " gaslighting '' me since day one. They have not applied any of my payment counts to my student loan account. I do not wish to move forward with the consolidation if they do not plan on upholding their end of the agreement. I made the XXXX payments before consolidation, and I want to revert my loans to their status before consolidation. This would leave me with the parent plus loans needing to be repaid back for roughly {$14000.00}, give or take a few dollars. I would have never consolidated in XXXX of 2022 if they had not practiced " deceitful tactics '' to lure me into consolidating those loans. 

I have tried contacting MOHELA, XXXX, and FED Loans to resolve this situation. I have yet to be successful in obtaining any resolution from these folks. The representatives at MOHELA are very unprofessional and have a nonchalant attitude when discussing your concerns with them. The last representative laughed during our phone call without any provocation. 

I need clarification on how MOHELA acquired my loan in consolidation but not my payment count. I have spoken to several representatives with MOHELA, and all of them have assured me that they only enter notes into the computer system and can not provide ANY assistance on my account. I have a copy of my entire FED Loans file, over 1,000 pages. I have been in the PSLF program for over ten years. I can not email the file as it is too large, but if you need additional information on my student loans, I probably have access to the data. I can be reached at ( XXXX ) XXXX or at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a unauthorized inquire on my credit report from XXXX XXXX after reviewing this item on my credit report I contacted all 3 credit bureau to informed them of this inaccurate information. And they informed me that it was nothing they could do that I would have to contacted the XXXX XXXX XXXX XXXX and I contacted them and they did nothing but continued to transfer my call to supervisor and nothing was resolved due to this issue my credit score has  decrease even though it was not authorized for my credit to be ran. XXXX XXXX do not have a copy of my license nor anything to authorize approval for car. I would this information removed off of my credit report and my credit score to return to my accurate score. 

Credit Score IncreaseXXXXXX/XX/XXXX DescriptionCongratulations! XXXX has reported that your credit score has increased by at least 10 points. Your updated score is posted below and will not be reflected in your Overview page until your next free score refresh. 
Next StepsKeep up the good work. 
Details Updated Score : XXXX Credit Score DecreaseXXXXXX/XX/XXXX DescriptionXXXX   has reported that your credit score has decreased by at least 10 points.  Your updated score is posted below and will not be reflected in your Overview page until your next free score refresh. 
Next StepsMonitor what factors influence your credit score by logging into XXXX XXXX. 
Details Updated Score : XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF EDXXXX XXXX XXXX : {$6300.00} DEPT OF EDXXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance : {$6300.00} DEPTEDXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts listed on my credit report, and I dont understand why this is happening. I check my report regularly, and this time, I found unexpected discrepancies. I thought it might just be a browser glitch, so I refreshed it, but the errors remained. These inaccurate accounts stayed there no matter what I tried. Because of this, XXXX pleading for the documents Ive sent to be carefully reviewed so I can have peace of mind again.
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft. I recently learned this because I checked my credit and there is a few accounts that did not being to or were opened by me and are fraudulent. I sent all of the information to the credit bureaus and they have done absolutely nothing to help me. It has been over XXXX  days now and they have not even responded to me at all. Please assist me. I know this is illegal and it not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called ALDOUS is reporting an account, XXXX, on behalf of XXXX XXXX XXXX XXXX on my XXXX credit report. 
This account is NOT mine and is being reported fraudulently and unlawfully. 
I am a victim of identity theft with this account.
Product: Money transfer, virtual currency, or money service

All of my agagust through XXXX transactions where all miss handles and no one was there to give me any info on how to get money back
Product: Credit reporting or other personal consumer reports

Credit agencies are reporting negative student loan status when student loans were in forbearance or deferred per president and self reported. My student loans from XXXX, XXXX, XXXX which were managed by Naviant and XXXX are reporting late payments which are negatively reporting on my credit report.
Product: Checking or savings account

I opened new checking and saving accounts. Each time I try to fund the accounts the transaction is canceled. Ive tried funding from two different accounts. The first time I was told they couldnt verify I was the owner of the funding account. I was told by the Chase CSR to fund from a different account. I did so and those transactions were canceled and my online account access has been blocked until I go back into the branch.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Spring Oaks Capital LLC called my mother in law trying to find my husband about a debt. We were not aware about this debt as no letters have been received by us to dispute. After looking on our credit report we see that the original creditor was XXXX XXXX. He has never had an account with them. The creditor called my mother in law at XXXX. When I called the number back on XXXX directly after, they would not identify who they were. The original caller actually refused to come to the phone. We were finally able to get out of them the agency they were with and amount owed but did not tell us who the original creditor was. 

Spring Oaks was absolutely unprofessional and disgusting. They divulged private information to my mother in law, which to my understanding is against federal law. They would not identify themselves to us nor the original creditor which i believe violates federal law as well. 

Spring Oaks needs to not contact myself, my husband, his employer, or my family. I want this removed from his credit as I have no idea what this account even pertains to and they failed miserably notifying us that this was owed. 

XXXX XXXX  needs to remove the charge off as well, we have never received any letters so we could dispute the debt and we have no idea what this account is.
Product: Debt collection

Approx XXXX yrs ago did a payday loan for {$290.00}. Became VERY XXXX AWAITING XXXX surgeries. I'm XXXX. Received a threatening call saying they are taking me to court for ALL KINDS OF GARBAGE. GAVE me a case number. Sueing me for over {$1500.00}. Very threatening. Their number is XXXX XXXX XXXX. Ace Cash Express. My number is XXXX XXXX XXXX.
Product: Debt collection

NCB Management Services was collecting a debt and their collection agent promised me that if paid them they would delete the collection from my credit report at all credit bureaus, all I had to do was dispute it through the credit bureaus after I paid them. 
So I paid them and now I have disputed the account multiple times through the credit bureaus but NCB Management has refused to delete the account as their collection agent promised.
Product: Consumer Loan

I was behind making my vehicle loan to BMW Financial. On XXXX/XXXX/2015 they repo my vehicle and on XXXX/XXXX/15 i received a Notice of Intent to Sell Vehicle & this notice is dated on XXXX/XXXX/15 and on the Notice it has XXXX options how to get my vehicle back ; 1st.Option-Reinstate ) if i want to reinstate the contract within XXXX days of the date of this Notice i have to pay the amount shown to BMW Financial Services & the payment must in the form of certified funds as follows ; Total due {$3100.00} 2nd.Option-Redeem ) basically pay-off the total loan vehicle {$39000.00}. Okay to make the story short XXXX choose the option XXXX reinstate and i send the funds through XXXX XXXX on XXXX/XXXX/15 for the total due {$3100.00} & i elect the Urgent so that way they will received the funds within XXXX minutes and i called BMW to give them the Tracking # /Confirmation for the funds that i sent through XXXX XXXX to let them know that i am Reisntating my vehicle and if they could let me know when i should be getting it back from their Vendor ( XXXX which is located in XXXX XXXX XXXX ) which i think it is redundant that they do n't have a storage available in XXXX . But the Customer Rep that i spoke with on XXXX/XXXX/15 XXXX said the reinstatement funds that we sent was short it should included the XXXX payment. Which is my XXXX payment is due every XXXX of the month and i know there is a 7 day grace period. So i was shock and upset why he 's telling me a different story i told him if he could refer on the demand letter that we received dated XXXX/XXXX/15 and it clears on the letter we have XXXX days to satisfy the demand letter to reinstate. I asked, XXXX if he can notate that i will be sending the XXXX payment on the XXXX ( end of the month ) since that is payday and i do n't really have additional funds at this time to send the XXXX payment. He said no they ca n't hold the vehicle for me which is just XXXX days away and i will be sending the payment. And i even explained to them the reason why i was late on making my payments due to at my job during summer for the month of XXXX & XXXX we do n't have work and i do n't get paid ( seasonal job ) and if they can be more considerate or work with my financial hardship. They advised, No they are not wiling to reinstate my contract and i even request if i can speak directly to the BMW Collections Manager and review my file. They refused they gave us some reasons that he is in/out of the Office having a lot of meeting to attend and we even gave our number so he can reach out for us or give us his XXXX or XXXX minutes to hear our side of story. But there was no call received and the funds that we sent through XXXX XXXX they said they will return the funds back to us by XXXX also. However we received an email on XXXX/XXXX/15 from them and advised the funds will be mailed by check to us shortly. Please we need help/resolution if BMW did follow the CFPB regulations regarding their Loan Vehicle when your Loan is in Default or if they are in Compliance.
Product: Credit reporting or other personal consumer reports

I have multiple inquiries that do not belong to Me and I've been a Victim of Identity Theft since XXXX. I want these inquiries removed immediately! 


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

On XXXX XXXX XX/XX/2021, I received 31 missed calls from the phone number XXXX ( XXXX ) XXXX within a span of two minutes. 

No voicemails left for me to listen to. 

I have not called the credit card company back ( comenity capital bank )
Product: Credit reporting or other personal consumer reports

TransUnion sent me a basic letter requesting information that has already been verified and vetted with verifiable identification with my online account with them to stall time. 
This is a fraudulent account that has been illegally furnished by TransUnions furnisher. TransUnion has violated the FCRA section 623 ( a ) laws of not properly verifying information furnished to them by their furnisher. this incorrect information has caused damage to my personal credit specifically causing a home loan refi denial.
Product: Money transfer, virtual currency, or money service

In XX/XX/2019 I purchased a MoneyGram for {$260.00} to pay my car loan to XXXX XXXX XXXX XXXX. XXXX XXXX never received the Payment. They did an exhaustive search and could not find it. I then went back to MoneyGram to find out what happened to the Money Order. They sent me a copy of the Paid Money Order and said they paid XXXX XXXX. I went to XXXX XXXX to recover the money and they said they could not help me. I then filed a complaint with CFPB against XXXX XXXX and they responded with a letter that they could not help me, I need to contact MoneyGram to help me. I had done that already and they told me to go after XXXX XXXX. I am attaching all my correspondence that I sent to CFPB with my complaint against XXXX XXXX plus my Complaint against XXXX XXXX and XXXX XXXX Response Letter.
Product: Credit card or prepaid card

Apple Card through Goldman Sachs advertised as 0 % for 12 months. Got it for/with thousands of dollars in apple products. Then they immediately started charging interest. 

I complained and they said oh yeah you get no interest if you pay the balance every month. Duh. Thats the law. I fee completely scammed and would like to be part of a class action against apple.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

I recently discovered XXXX XXXX XXXX XXXX {$15000.00}, XXXX XXXX XXXX {$640.00}, XXXX XXXX XXXX {$2200.00} XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX {$1400.00} on my credit report from EQUIFAX. This is extremely embarrassing and concerning. EQUIFAX does not have my authorization to share my personal information. I will not be paying this alleged debt unless you provide a bill of sale, assignment, or any other agreement between you and the original creditor that proves your authorization to collect on this debt. I have reason to believe you are attempting to extort me by punishing me for non-payment on an extension of credit. Please be aware that under 18 USC 894, it is a crime to collect or attempt to collect by punishing a person for non-payment. Your actions have damaged my creditworthiness, causing me to be denied other extensions of credit that I am entitled to. You do not have my consent for these actions. If you claim to be the creditor, you will be held liable under TILA for any violations. Additionally, you are in violation of the FDCPA for harassment and for furnishing false and misleading information to third parties without my consent. Under the Gramm Leach Bliley Act, you must have my permission to share my financial information with a third party, which you do not have. Furthermore, under 15 USC 1681b, you must have a permissible purpose to obtain and use my credit report, which you have failed to establish. This message serve as formal notice that I will not be paying this debt and I demand that you cease and desist all collection efforts through all mediums, including credit repo
Product: Mortgage

PLAZA HOME MORTGAGE, INC Property Value {$370000.00} ( Condo ) RE : Request for review of Escrow Analysis. 

Exhibit 1 ( attached ) - Erroneous Escrow Analysis In this analysis, they are charging us with {$14000.00} as the county tax considering that XXXX XXXX is sending us copies of our annual property tax bill of {$3300.00}. Upon checking on our escrow account, we found out that they are also charging us for XXXX XXXX XXXX ( Exhibit 2 ) with different owner. Our property is in XXXX XXXX XXXX. 

Upon the receipt of the said escrow analysis, we immediately contacted them ( XXXX XXXX ) for a review of the analysis via emails and letters. 

We received an email from them telling us the process will take 10-15 days. 

It's been going on already for more than one month already not mentioning the calls to their customer service every week asking for update but sad to say as of this date there is still no update. 

Because of this, originally we are paying monthly mortgage amount of {$2000.00} and now they are charging us {$3500.00} monthly mortgage starting XX/XX/XXXX because of this erroneous XXXX tax. 

Since we dispute their tax calculation we paid only the usual monthly mortgage amount of {$2000.00} while waiting for their review. 

Not only that, they send us XXXX mortgage statement amounting to {$7100.00} and stating that we are already delinquent. 

This did not happen if only they acted upon this matter immediately. 

This bothers us emotionally and psychologically thinking that this will ruin also our credit score and we are not prepared financially. 

Hope with your help we will get a response to our request.
Product: Credit reporting or other personal consumer reports

I opened the XXXX trade line on XX/XX/XXXX. The first delinquency was reported over XXXX years ago in XXXX. On XX/XX/XXXX, I spoke with a XXXX in the Special Collections Department and verified that this account was paid. She advised that XXXX one would not grant account information since account opening to contest the delinquency reported to the credit reporting agencies. I have requested that the derogatory information be removed as it violates the Fair Credit Reporting Act. The company or credit reporting agency has not provided any documentation on how they are justifying this debt still remaining on my credit report. The furnisher and credit reporting bureaus are acting unethically, unlawfully and willfully engaging in wrongdoing. The account is XXXX XXXX XXXX and paid. The FCRA laws that has been violated is : Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report bad credit information is removed after seven ( 7 ) years. FCRA Section 6:05 B, it is illegal to report information on my credit report. without my permission. According to the Fair Credit Reporting Act 15 USC 1681 section 602 it requires promptly modify or deleting the information, or block its reporting. In Section 623 ( b ) ( 1 ) ( E ) and Section 623 ( a ) ( 5 ) If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. With that all considered, this file should not be reported on my credit report. It passes the statue of limitations. One of the credit reporting agencies, has already deleted the file ( refer to report no. XXXX ). The information remains with XXXX credit reporting agencies including XXXX and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Company : XXXX  Loan ID : XXXX XXXX XXXX XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I disputed a trade line that is being reported on my credit reports by XXXX XXXX. I disputed this trade line because I disagree with the amount claimed to be owed. Nevertheless, the results of the dispute came back as 'verified and accurate/meets FCRA requirements '. Thus, in XX/XX/2019, I wrote a letter directly to XXXX XXXX requesting a copy of the original contract ( signed ) or accounting records used to VALIDATE the amount claimed to be owed. However, instead of sending me any of the requested documents, on XX/XX/19 I was sent a one page summary that listed my name, address, and the amount claimed to be owed. Moreover, I wrote a follow up letter to XXXX, in XX/XX/2019, which was received on XX/XX/2019. I am aware they have at least 30 days to respond, however, I called XXXX on XX/XX/19 and I was told by a customer service rep that were no records on file to validate this alleged debt. Given these facts, I am demanding that this trade line is permanently deleted from my profile.