23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, my federal student loans were forgiven as part of the Public Service Loan Forgiveness Program. I received the official later the next month ( dated XX/XX/2023 ). The student loans continued to show on my credit report. In XX/XX/2023, I filed disputes with the credit bureaus which were closed when Mohela incorrectly reported that my loans still maintained a balance. I emailed Mohela and recieved no response. I think called Mohela and was told the credit reporting process had started in XX/XX/XXXX, but could take up to 90 days ( I was given a day in early XX/XX/XXXX as when the process should be complete ). I then recieved a response email ( after the date I was given over the phone ) stating that credit reporting could take 60-90 days. I responded that it had been over 90 days, but received no response. On XX/XX/23, I called Mohela. After providing the above information, I was transferred to the resolution center. I've currently been on hold waiting for someone to answer for 108 minutes.
Product: Student loan

To Whom it may concern I am appealing the following accounts ( See attachment ). 
As of XX/XX/XXXX I noticed on my credit report I have student loans from Navient on my credit report reflecting in a negative way. Navient was involved in a lawsuit back in XXXX XXXX, and XXXX. All participants who had student loans with them were paid off. ( Debt cancelled ) ( Loan Forgiveness ). It was supposed to however it wasn't according to my credit report. 
The loan was sold and transferred to XXXX  XXXX XXXX XXXX XXXX XXXX. This shouldve never happened when this matter was resolved in the lawsuit I stated earlier. After an extensive research I was directed to you concerning this matter. I asked that you please help me resolve this matter. Im trying to move on and start fresh but find it quite difficult when this has a negative impact on my report. 
There are four different accounts listed on my credit report from XXXX  XXXX XXXX XXXX XXXX XXXX which the debt shouldve been cancelled but instead they have impacted my credit report in a major negative way. ( See attachment below ) Please help. I look forward to hearing from you along with having this matter resolved. 


Thank you for your service Respectively Yours
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting

After a lengthy investigation I have discovered that Experian has been charging me for monthly credit monitoring services sense XXXX of 2012. They have fraudulently obtained different card numbers in my name from XXXX in order to continue to charge me over the years. I have contacted them in the past about this and every time they claim they have no account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX, XXXXXXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for a purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last year I 've been trying to get XXXX XXXX XXXX XXXX to get the debt collector Berks Credit & Collections to remove the collections owed off my credit report since I paid them over a year ago. I owed 2 payements of XXXX dollars. So I paid 1 payment of XXXX by check to XXXX XXXX XXXX XXXX. They received the payment and said they notified Berks Credit & Collrctions. Berks is saying they never got notified the payment was made. I 've been going back n forth with these 2 company 's for almost a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 and update them immediately in my report : XXXXXXXX XXXX XXXX  XXXX Open Date XX/XX/2017 Balance : {$380000.00}
Product: Mortgage

The case reference hasprobably been closed However - the same peopleand Wells Fargo - ina continuing attempt toresolve the issues are involved with this complaint. 
We finally agreed to do a deed in Lieu of foreclosureWe recently executed documents ( in XX/XX/XXXX ) and XXXX them to the Wells Fargo people We then called for a copy of the docs and aconfirmation of processwe have NOT received a call, nor a copy of the docs. I recently tried to get a small loan to cover cred card debt ( lower interest ) and wasdenied because OUR HOUSE WAS IN FORECLOSURE!! 
Loan # XXXX -we have no further info sincesigning over title. I can emailthe letter notice ofDeed in Lieu of Foreclosure atrequest. Help
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an error in my credit report. I notified the credit card company XXXX XXXX XXXX  ) via phone call. I asked them why they reported a late payment on my account. The operator stated there was no late payment on record. However, it shows up on my credit report. I was then passed on to another person at another department who tried to tell me that instead of using my current account to pay my bill, I was using a different account that was not valid. ( This statement is not true ). 
When I first received a credit card from XXXX XXXX, I attempted to set up autopay which would not work, and I had to call XXXX to set up AUTOPAY because it was obvious that the website had technical issues. 
According to the Fair Credit Reporting Act Mistakes must be removed according to FCRA rules. 
The agent stated that no LATE PAYMENT was on my file. Yet they reported a LATE PAYMENT to the credit bureaus and refused to remove the statement made to the CRA even though it is not in my file that I have a late payment issue.
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. 

Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT of ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX XXXX Dep of ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit card or prepaid card

Whom It May Concern Re : Account # XXXX I will briefly present the facts. 

Shortly after obtaining my BOFA credit card, I set up autopay in my account, as we have XXXX homes and did not want to take a chance of my account not being timely paid due to travel. 
When I received my monthly statement I learned that the bill was not auto paid and interest and penalties were assessed. I then called BOFA and objected to the charges and my surprise that autopay was not effective. I was told it can take XXXX billing cycles for the autopay to become active, The interest charges were forgiven, after a lengthy call. During that call I advised the agent that I was going to immediately pay the amount in full using the account that was used for autopay. If my recollection is correct, the agent saw me accomplish payment on her computer. According to XXXX of the many agents I spoke to, I should have been warned so that what next happened could have been avoided. 
Shortly thereafter, autopay inexplicably XXXX down another {$25000.00} applying that to the already paid statement amount, creating a significant surplus in the account. BOA, adding insult to injury, froze my account and has refused several charges on the card. I called BOFA a few days days later and it refused to refund my money until their freeze expired. BOFAs agent attempt to explain this action was mind boggling ( A large payment was made creating a credit balance so the account was frozen ) and reminiscent of an XXXX and XXXX routine ( WHOs ON FIRST? ). I requested that he preserve the recording of the phone call as it is proof of abject incompetence or criminal conduct. Meanwhile, the card continued to be frozen and BOFA continued to hold my money. When I read the FTC rules for filing a complaint, it indicated that one must advise the entity whose conduct is troublesome. I did just that setting forth essentially what is contained herein. * It was not until complaining to XXXX BOFA agents in XXXX calls that I received a communication from BOFA telling me to call them. It took a week and XXXX calls by me before they responded and I received the same gobbledygook explanation as I did from the XXXX prior agents, with XXXX exception-the agent I first spoke to should have warned me of the possible double payment problem. 

I think the handling of this matter by BOFA was wholly inappropriate and they should be penalized for holding onto ( and no doubt using ) my money. To prevent this occurrence from happening yet again, BOFA should be required to revise the procedures that resulted in this farce. 

I look forward to your response. 

XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I attempted to use BOFAs message center but was told it was not functioning. What follows is a message I did receive, which is a continuation of the nonsense they spew. You received an e-bill from Bank of America Credit Card that was not automatically paid because you have a credit on your Bank of America Credit Card account. 

XXXX Account Number : XXXX Total Minimum Payment Due : {$0.00} Due Date : XX/XX/2022 Statement Balance : {$21000.00} ( XXXX )
Product: Mortgage

My loan for my home was with XXXX XXXX XXXX. It was sold recently to XXXX I was working with company to do a modification, because of problem, s I was in forclosure..I mailed and faxed all my info to complete the modification. 
They sold the servicing rights XXXX this is the worst company, every day i call they tell me they dont have my information from the previous service company. 

in the mean tome my house is still in foreclusure and my attorney says it will be sold if i do not receive a modifcation. 
But everytime i call they tell me they dont have my information from previous servicer.. 
They are holding me XXXX. 
i need help, Plus I told them that I want to make a payment,
Product: Credit reporting, credit repair services, or other personal consumer reports

We had our credit report pulled and noticed that XXXX XXXX posted a late payment on our record. We reached out to them to ask that the derogatory reporting of XX/XX/19 be removed from the credit file. The item was removed. We applied for a home loan and the credit file was clear on the initial report. Once we were in our final stages of closing our financial institution ran the report again and the derogatory reporting showed back up on the report, which caused us to be ineligible for our home loan. We currently have XXXX  of dollars tide up in a home loan and will lose the money if this is not corrected. We reached out to XXXX XXXX and they stated there was nothing they could do.
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. 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. The following is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I am trying to get a loan that they offer for flight school at XXXX XXXX in XXXX, Texas. XXXX XXXX works with my school and offers loans to complete flight training. I am 2/3rds of the way done and am trying to get my first loan with XXXX XXXX to complete my training and start my career as a pilot. I have tried numerous times to get the reasons for why my application is being denied and they are not able to explain or give me any reasons. They have told me twice now that they will send a letter of disapproval and they have not and they told me that they would have a supervisor call me back to explain which they have not. I feel discriminated because I feel this company thinks that since I am just young and dont understand how all of this works that I just will not be able to receive a loan from them.
Product: Debt collection

I would like some intervention with this company for the following reasons : # 1 I have repeatedly asked the original creditor for a breakdown of the amount allegedly owed. I never received any such breakdown. ( i.e. mileage, billable hours, gas, etc. ) # 2 This is not a refusal to pay ; this is an attempt to receive a breakdown in the billing which was requested numerous times from the collection agency and original creditor and never received. I will not pay a debt that is not adequately and legally explained to me # 3 When I call and attempt to get this information which is my right to have, I receive a hang up I will not pay a debt that I do n't owe. I will not pay a debt that is not broken down for me to understand where the debt originated from as described above. I am not refusing to pay this debt, but I will not accept a statement with the full balance ; this must be broken down into billable hours, mileage, gas, food, etc. This was the agreement between myself and the original creditor and was not delivered to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit card or prepaid card

Im having difficulty making payments. They wont work with me. They call 12-15 times a day. Sometimes they just hang up/robocall and sometimes they are there demanding payment.
Product: Credit reporting or other personal consumer reports

I am writing as a victim of a data breach and subsequent identity theft. I am requesting immediate action to block and delete the fraudulent accounts and inquiries listed below from my credit report, pursuant to 15 USC 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I received a debit card in my name at my address. This is a fraudulent account set up with my name, birthdate, and social security number. I was told the account couldn't be closed because my email address and phone number do not match what they have on file. I told them of course it doesn't it's a fraudulent account. I verified all of the government requirements. I was then told they were unable to close the account because I couldn't verify all of the information. This account was not opened by me and Chime Bank will not close it. They do not take care of these issues by phone either, they only will email for these situations. How is that secure and how can they open accounts with no verification of ID?
Product: Credit reporting or other personal consumer reports

My understanding is that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Debt collection

I have a collection account on my 3 credit reports from XXXX XXXX/XXXX XXXX for XXXX $ which was already paid. I tried to reach out to the company to get this account removed but was not successful. Account name is listed as XXXX on my credit reports with a date of XX/XX/2016
Product: Vehicle loan or lease

In XXXX, I purchased a car with a loan from XXXX for XXXX. I have made consistent payment for last 5 years and my balance is still the same.I will never have this car paid off at the rate. Please investigate this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company says that they sent a letter to credit bureau 's saying that my account is current at time of closing and there is no payment due. But the credit report show a derogatory account on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 informationisinaccurate.