23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My federal student loans are held my MOHELA. 

On XX/XX/XXXX, I submitted a XXXX  Application to MOHELA, asking for XXXX certification of my federal government employment from XX/XX/XXXX to the present ( XX/XX/XXXX as of the date of submission ). See attached XXXX application, downloaded from my MOHELA " Documents Received '' tab. 

On XX/XX/XXXX, I used the MOHELA online webchat feature to contact MOHELA because I saw that my XXXX  Application, dated XX/XX/XXXX, was processed ; however, no other information was on my account ( i.e., no updated payments, no letters, notifications, etc. ). During the chat session, the MOHELA representative informed me that MOHELA denied my XXXX  application on XX/XX/XXXX. I asked the MOHELA representative what was wrong with the application. The MOHELA representative reviewed my application and determined there were no errors ; she also indicated she would submit a discrepancy report, asking for my form to be reviewed. She informed me that review could take up to 30 days. See attached webchat transcript. 

This is unacceptable. I submitted my XXXX  form nearly four months ago, and now MOHELA can not even process the simple two page form correctly. I am due to have my loans forgiven once this XXXX  application is properly processed, and MOHELA is delaying my forgiveness due to its own careless handing of my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00}.
Product: Debt collection

After several attempts to correct this issue the company still will not remove from my credit. The debt was a third party collection debt. I have no knowledge of this account. I never opened this libe of credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018, I was a victim of Identity theft. I filed a valid police report via the FTC website, wrote a letter and supplied the appropriate documentation required by the FCRA. 

I sent the letters via certified mail, faxed and uploaded copies each containing copies of my FTC report, my credit report with the fraudulent items highlighted as well as a written statement and proof of my identity. 

I have called multiple times and each time they give me a different excuse. Either they never received the letters, or they claim the Drivers Licence was illegible ( which it was not because a supervisor confirmed that it was legible and properly attached to my file. ) I spoke with the supervisor XXXX ID # XXXX and another ID # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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

Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the below creditor - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description and the specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974. 

XXXX XXXX : collection account - A charge off with a 3rd party debt collector is considered a certificate of indebtedness, which is considered income and income can not be reported on my credit or consumer report. Please have Equifax, the consumer reporting agency delete this from my report immediately and indefinitely. XXXX XXXX XXXX.irs.govXXXX
Product: Credit reporting or other personal consumer reports

I checked my credit reports from all three bureaus on XX/XX/XXXX, and I noticed inaccurate information being reported on my reports. According to the US 1581, i All the information on my reports must be accurate, or you must delete these accounts and data from my reports. The following accounts are not reporting accurately not XXXX XXXX XXXX is reporting 30 days late on XX/XX/year> for Transunion and XXXX but paid on time to XXXX XXXX 
XXXX is showing late XX/XX/year> for XXXX but paid for Transunion, and late XX/XX/year> on Transunion but paid for XXXX. How can this be? There is a violation here, and this needs to be deleted, as I was never late on these accounts. I will also be filing a lawsuit against Transunion XXXX and XXXX unless these accounts are made right to show paid on time.
Product: Credit card

To briefly recap, I enlisted in the XXXX XXXX on XX/XX/XXXX, and I am currently on XXXX XXXX. I was charged an APR of 28.24 % from XX/XX/XXXX to XXXX XXXX, before my account was reduced to the SCRA-compliant rate of 5.90 %. However, Discover has not refunded the excess interest I paid during the period I was charged the higher APR, despite multiple attempts to resolve this issue directly with them. I have already submitted copies of my bank statements showing the overpaid interest. 

In my original submission, I included : XXXX. A copy of my XXXX XXXX  from the XXXX XXXX XXXX and my military ID. 
2. Bank statements showing the overpaid interest.

I would like to request an update on the progress of my complaint and inquire whether any additional information or documentation is required to expedite the resolution. If there are any further steps I should take, please let me know, and I will gladly provide whatever is needed. Thank you once again for your attention to this matt
er. I greatly appreciate your continued support in ensuring compliance with the SCRA and helping me resolve this issue. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

FedLoanServicing is deliberately misleading borrowers enrolled in the Public Service Loan Forgiveness program about the relief benefits they can take advantage of through the CARES Act. This is not OK. Please fix by having myfedloan.org make a corrective statement on their website. Thank you. 

On XX/XX/2020, FedLoanServicing has incorrect information on their website because it provides a false interpretation of the CARES Act ( Sec 4513 ( c ) ) by stating " Special Considerations for Borrowers Pursuing Public Service Loan Forgiveness or Loan Forgiveness Through an Income-Driven Repayment ( IDR ) Plan : The time spent on the emergency administrative forbearance will not count toward your required payment count. '' ( https : //myfedloan.org/borrowers/covid ) The CARES Act in Section 4513 ( c ) states the complete opposite of what MyFedLoan.org states : "  Consideration Of Payments.The Secretary shall deem each month for which a loan payment was suspended under this section as if the borrower of the loan had made a payment for the purpose of any loan forgiveness program authorized under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ) for which the borrower would have otherwise qualified. ''
Product: Mortgage

Shellpoint Mortgaging Serves Loan number : XXXX The loan was taken out in XXXX and XXXX XXXX. When I went to file a claim on the mortgage insurance they informed me XXXX was not on the loan. He has been on the loan from the beginning and that has not changed until Shellpoint took over the loan. At that time, he was dropped from the loan without a request being made by either XXXX or XXXX. When the company was contacted, they were not helpful in resolving the problem. XXXX was removed, who authorized it, when and why. XXXX has since passed away and I am trying to file a claim against the life insurance that should have been on both XXXX and XXXX. The company is refusing to correct the loan and the insurance so that a claim can be filed. 
If their paperwork shows only XXXX, the company that previously had the loan modified the loan without authorization or consent of the loan parties. This would make Shellpoints loan paperwork fraudulent paperwork. 
Attempts to reach shellpoint to see if they are investigating this matter and get it resolved in a timely fashion are going unanswered and I have not been able to reach them again by phone.
Product: Checking or savings account

A fraudulent account was opened in my name with BMO Bank ( XXXX  ) around XXXX XXXX. I learned of it when i received mail claiming I owed around {$1000.00} to them for a line of credit taken out against the checking account.

I contacted them and they performed an investigation into the matter, and sent me a letter a couple weeks later saying the account was closed since it was fraudulently opened. Then I received another letter days later saying they decided not to close the account. I called them again, and they said it WAS closed and to ignore that letter. 

Again I received mail from them dated XX/XX/year> saying i need to pay them or the account will go to collections. I called again, and they said the account was closed but couldn't explain why I kept receiving letters demanding payment. 

This bank seems totally incompetent and I don't know what else to do at this point except report them as I don't want my credit damaged due to their shady business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Agent will not remove credit inquiries on account, requested supervisor. Agent per phone conversation, XXXX est gave me a written script, advising that I do not have the right to dispute information. XXXX told me I don't have right to dispute inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

when i visited annualcreditreport.com all 3 bureaus refused to provide my report until i " verified '' my phone number on the site. i have never given them my number to verify, which means they are demanding information they don't have, in order to add this info to my credit report, before complying with the law. they can't verify a phone number they don't have, and they have no right to my phone number. i provided all the info necessary to receive my report in the past. now, they are illegally demanding personal info from me they don't already have before complying with the law. you would have to be crazy to provide a credit bureau with a phone number that they can then provide/sell in your report to any company that wants it.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : DEPT OF ED/XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE XXXX XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, I am writing to dispute inaccuracies that are currently appearing on my credit report, which is affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status The account was charged off. {$190.00} written off. {$110.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX XXXX {$110.00} I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 30 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA.

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate info and unknown things being on my credit report to Experian 60 days ago. I have not received as response yet and seems as if my disputes being ignored
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$610.00} XXXX XXXX XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$3000.00} ; XXXX XXXX XXXX Balance {$31000.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$38000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of Identify theft someone has used me personal information to get a Phone from XXXX. I never had a Phone with XXXX during the time I was in XXXX. Experian and XXXX  is reporting a collection account for XXXX XXXX. 

Thank you
Product: Money transfer, virtual currency, or money service

1 am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint about all three major credit bureaus. I have tried to change personal information through virtual means and have been unable to do so. The only way the process prescribes is to send supporting documents through the mail. It is the year 2020 when so many things are accomplished through digital or virtual means. It is time to be able to change one 's maiden name to one 's married name without having to send documents through the mail but instead so that they can be sent by virtual or digital means. I am complaining because XXXX, Transunion, and XXXX all refuse to change the process and emphasize that these documents can only be sent through the mail. This process needs to change because it is the year 2020 and making this more difficult for a woman who has either married or gone through a divorce should not be so ridiculously and utterly difficult.
Product: Mortgage

We have a predatory loan. The mortgage adjusted/increased from a monthly payment of about {$1200.00} to over {$2200.00}. We were not aware this would happen. We could not afford the increased payments and got behind on the mortgage. In addition, we sufferred cuts in overtime and had to take furlough days which reduced our wages. We asked for a loan modification, but was denied. Each time we were denied, the mortgage servicer asked us to complete the modification paperwork all over again. We completed paperwork at least XXXX times only to be told we do not qualify. The last time we were told we qualified for the modification, made XXXX payments and again was told we did not qualify. The mortgage company filed foreclosure in 2009. We filed bankruptcy to stop the foreclosure. We want to keep our home, but the mortgage company will not work with us. At the advice of our attorney, we were told to stop making payments. We have been living in our home for several years without making payments. No one wants to talk to us. Please help!
Product: Debt collection

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC XXXX XXXX, XXXX XXXX ___ ( XXXX ) 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX was a fraud credit card. I filed a police report years ago and the credit bureau took the item off my credit report. The debt was recently sold to Financial Recovery Services , Inc . They sent me a letter and stated that I owe {$180.00} and to call or write them by XX/XX/2022 to dispute all or part of the debt. It is not XX/XX/2022 and its already illegally reporting negative on my credit profile Not to mention this company is not licensed in Georgia. I would like for this company to fix the error immediately.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX PA XXXX Subject : Pre-Arbitration Demand Letter for Violation of FCRA To whom it May Concern, I am writing to formally notify you of your violations of the Fair Credit Reporting Act ( FCRA ) concerning the debt reported on my credit report without proper notification. Account name : XXXX XXXX XXXX Account number : XXXX According to the FCRA, consumers have the right to be informed about debts before they are reported to credit bureaus. Despite this requirement of XXXX XXXX XXXX failed to provide a certified receipt with my signature confirming that I was properly notified of this debt before it was placed on my credit report. Additionally, I submitted a formal dispute regarding the company and the dispute is over 30 days, requesting a furnished certified receipt as evidence of proper notification. To date, I have not received any response from company addressing this request, which is a further violation of the FCRA. Below is certified receipt with signature that it was received. Under the FCRA, credit bureaus and furnishers of information are responsible for ensuring the accuracy of information reported. Your failure to provide the requested documentation and to respond to my dispute indicates non-compliance with these legal obligations. NMLS states that XXXX XXXX XXXX is not registered to collect on alleged debt. To resolve this matter amicably and without further escalation, I demand the following actions within 14 days of the date of this letter : 1. Immediate removal of the disputed debt from my credit report. 2. Written confirmation of the removal. 3. A certified receipt with my signature, if such a document exists. If you do not comply with these demands, I am prepared to pursue arbitration with Transunion to enforce my rights under the FCRA. Please note that this letter serves as a pre-arbitration demand and does not waive any of my rights or remedies. Each violation is XXXX dollar each I look forward to your prompt response to this serious matter. Please contact me at the phone number or email address listed above to confirm receipt of this letter and to discuss the resolution of this issue. I will be sending Certified mail copy to Transunion. Sincerely, XXXX XXXX