23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I contacted FASFA on XX/XX/XXXX and asked for alternative payment options to lower my monthly bill. The PAYE monthly amount of {$810.00} is unaffordable at this time. They recommended I apply for the Graduated Repayment Plan - this afford a lower monthly amount of {$410.00}. The application and request was completed. They said I should hear about the update in 3-5 business days. On XXXX  I received an electronic message from Mohela that an automatic withdrawal of {$810.00} would be taken from by bank account on XXXX. I called Mohela on XXXX to speak to a representative. I waited on hold for over an hour. When I finally got to speak to a representative they were undergoing training and were unable to locate my complete FASFA Graduated Repayment Plan request. I was put on hold for another 45 minutes. The second representative made me reapply for the Graduated Repayment Plan. I completed the submission with her over the phone. I was then told I would have to go on an administrative forbearance while my application was processed. On XX/XX/XXXX I received an electronic communication from Mohela " Repayment Options '' with detailed estimate of my Graduated Repayment Plan payment amount and schedule. No action was required. On XX/XX/XXXX I received an electronic communication from Mohela saying an automatic withdrawal of {$810.00} would be taken from my bank account on XX/XX/XXXX and that my administrative forbearance is expiring on XX/XX/XXXX. On XX/XX/XXXX I received an electronic communication from Mohela saying my Graduated Repayment Plan request was denied. The reasoning stated Consolidation Loans were ineligible. I did not authorize the consolidation of my Student Loans. I am unable to afford the {$810.00} monthly payment. I work a full-time job Monday-Friday from XXXX XXXX XXXX and can not afford to sit on hold for hours. Mohela has been unable to provide me with accurate clear information on my repayment options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this compliant because XXXX XXXX reported late payments on my credit report regarding my mortgage. I experienced a hard ship during the Covid-19 Pandemic as was receiving home owners assistance from the government for over a year. Prior, my payments made by the government were not reported late on my credit report because they were always made before the 30 day period. However, in XX/XX/2023, XXXXXXXX XXXX informed me that they were behind processing the government funding with several accounts because the funds are send in one lump sum not to each home owners accounts. I have proof from the government along with my award letters and case manager that my payments were made before the 30 day mark however, XXXX XXXX  did not process the fund in a timely manner. My payments are showing late for XXXX, XXXX, XXXX and XXXX. I sent a dispute to XXXX XXXX as well as Experian tracking number XXXX and they failed to investigate my case. Instead they updated my XXXX account which was already closed. XXXX XXXX brought my account from XXXX.
Product: Debt collection

In XX/XX/XXXX I made a loan with HFC/Beneficial for the amount of {$13.00}. The rate of repayment was @ {$220.00} per month which latter in the loan around about XX/XX/XXXX the payment were reduced to XXXX per month. My account was sold to another company who has recently adjusted the amount that I owed to them after making a complaint to them that I had been overcharged. Before selling my account, HFC did not notify me nor did they provide me with how much I had already paid to them. I believe that they have also been overpaid.
Product: Debt collection

This debt was discharged when I filed Bankruptcy. I also received 100 % financial help fr the hospital for the months of XX/XX/XXXX and XX/XX/XXXX. Please remove this debt from my credit report.
Product: Credit reporting or other personal consumer reports

I been trying to get TransUnion to verify the source of verifier back to me they have failed to, to report back to me. I contacted the XXXX XXXX Bankruptcy Court ask if they verify with the credit reporting agency, XXXX XXXX Bankruptcy Courts sent saying they verify or report to the credit bureaus or any other agency. Ive included proof of a letter from the XXXX XXXX Bankruptcy courts. 
Also XXXX has responded saying the information was unverifiable so deleted the Bankruptcy from my Credit report and also XXXX, thats also stated it is unverifiable and has deleted it from my credit report so should Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent information and accounts which do not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED these fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website and the Police Report I filed on my local Police Department along with my personal information and documents but still you chose to continue reporting these items. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting these information on my Credit File without Proper Verification nor Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have already done. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}
Product: Student loan

I was sent a letter by DOE stating I was eligible for forgiveness and refund of all payments in XX/XX/XXXX due to the lawsuits. Mohela consolidated my loans as new loans in XX/XX/XXXX and are now demanding payment. I am eligible forgiveness and total refund of payments made prior to Mohela receiving my loan. Mohela received my loans through unauthorized transfer of loans to them from XXXX and others. Please have Mohela rectify this situation immediately as its now affecting my credit and I would love my money back!! 
Thank you!
Product: Vehicle loan or lease

Lender disabled vehicle WITHOUT notice AFTER I explained I was having trouble paying auto loan due to Coronavirus unemployment
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal. 
After reviewing my consumer report it has come to my attention that you are reporting adverse inaccurate information on my consumer report. Please be advised that you are hereby on Notice pursuant to 15 U.S. Code 1681s2 and U.S. Code 1681.

You are reporting information on my consumer report which is inaccurate. You are reportinng information as charge off debt, however, according to IRS Publication 4681 charged off or canceled debt is considered taxable income, and pursuant to 15 U.S. Code 1681 income is not included in a consumer report. 

You are reporting the following inaccurate information : 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 According to IRS Publication 4681 and IRS Instruction for Forms 1099-C even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. Further, pursuant to 15 U.S. Code 1681 the term consumer report does not include the reporting of income.

You have failed to comply with your responsibilities under 15 U.S. Code 1681s2 and are in direct violation of 15 U.S. Code 6802 by disclosing my personal information on my consumer report without my permission or permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE THE ATTACHMENTS! - Hello ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found those accounts attached still on my credit report despite the fact that it's reporting incomplete, inaccurate, erroneous, and with misleading and inconsistent information. There is no way that these accounts could've been verified as accurate because it continues to report incorrect information and it's actually illegally causing this account to re-aged. These accounts attached are not reporting in compliance with the law and saying that you " VERIFIED AS ACCURATE '' ; it's basically a binding contract when you say those words. Base on my understanding, account status needs to be updated when I dispute an item, and why is it showing one credit bureau that the payment history was OK but the others showing CO status. So many violations and inconsistencies and i need them removed and deleted from my credit report effective immediately and i think 15 days way enough time. Please delete them all for violation and inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credence resource manage {$200.00} XX/XX/2023 i dispute it and. They keep re opening ot
Product: Credit reporting, credit repair services, or other personal consumer reports

Service Finance Did hard inquiry 2 days in a row. I only approved one of those but 2 are on my report.
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. 

Account name : XXXX XXXX XXXX Account number : 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: Consumer Loan

I have a a few loans with RISE. Last month when I looked at my credit report I had XXXX inquiry from this company now I have XXXX and they all are dated for different months in the same year. I understand that the company will pull my credit to approve the loan, but they can not place the inquires on the file 10mos after the loan has been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed a debt that XXXX has sold to multiple collection agencies. The information is incorrect and the companies that keep selling to XXXX company and another without having any verifiable information keep reporting the information as accurate. The credit reporting agencies keep reporting this information without requesting verification. I keep having to dispute this information and have it removed and a few months later the information is sold to a new collections agency only to have it re-reported. The new collections agency is XXXX XXXX XXXX which I have NO Business contracts with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX I obtain a copy of my XXXX report and noticed some incorrect information. 
I am writing to request an investigation of the following : Inquires : 1. XXXX Credit/XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXInquiry Date : XX/XX/XXXX XXXX. XXXX Credit/XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXInquire Date : XX/XX/2018 Dispute Reasons : This was disputed and keeps coming back on my credit file. Please update information and remove these credit inquiries or provide me with documents baring my signature
Product: Credit reporting

I had a billing dispute with a survey company that ended in Small Claims Court. The judgement was settled and satisfied on XXXX/XXXX/2009 by The Hon. XXXX XXXX XXXX ( case # XXXX ), XXXX XXXX, KY, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This serves as my follow-up regarding my previous complaint dated XX/XX/XXXX, emphasizing the necessity to promptly delete the specified items from my credit reports. For your convenience, please refer to my recent FTC report with # XXXX, which I have reattached to this complaint. The items I wish to have removed from my credit file are outlined per bureau : -- -- -- -- -- -- -- -EXPERIAN 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 I reiterate that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to expunge any items in the consumer 's file identified by the consumer as information resulting from alleged identity theft within 4 business days of receipt.
Product: Credit reporting or other personal consumer reports

I have been trying to get the mortgage off my credit. Sent in a dispute and not getting a response. Call customer service and cant speak to anyone because they say my loan no longer exsists, so can never actually talk to someone.
Product: Credit reporting or other personal consumer reports

I sent removal of charge off letters to, experian, XXXX and XXXX on XX/XX/XXXX and a follow up letter when they did not respond on XX/XX/2023, these letters were certified and correctly addressed. When the disputes were finally answered I was confused when the disputed items were inaccurate. It appears the standard XXXX  was used. XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX the court ruled that the creditors could not merely parrot data from the collection agencies that were required to conduct a REASONABLE investigation to ensure the validity of the debt ...... The e-Oscar system is for disputes is not how you fully validate REASONABLY ... Also U.S. Code 1681i States information in reference to the 30 day rule ... the Credit Bureaus responses were untimely and inaccurate ; My second charge off letter highlighted the fact that the first letter was responded to inaccurately to the dispute i made under FCRA 611a. yet they continue to protect the sellers and abuse the consumers and sell our debt to collection agency who have police like tactics in terms of threatening citizens. XXXX XXXX has gotten its XXXX back from me in good faith in a volunteer way after 3 years of on time payments! and now your trying to rip me off for XXXX, more, for a XXXX car. 3 years of payments of {$640.00} a month... and you want {$11000.00} and when I turned it in it was in perfect condiction!...
Product: Credit card or prepaid card

hi, My delta gold was cancelled due to a mistake. A few days ago, I called amex to reinstate this card. But Amex still clawed back the welcome bonus. I called Amex and was told there is no way to credit back once the miles are clawed back. But clearly my card is not cancelled but amex just refused to credit back my miles.
Product: Credit reporting

I have an eviction from   XXXX   coming up on my record. I am not able to rent an apartment. This eviction was dismissed and was ordered to be sealed by the judge on   XXXX   XXXX   XXXX   I need it off my record.
Product: Debt collection

The debt has not been paid however, the debt is not owed. I broke my lease with XXXX XXXX XXXX due to being stalked/harassed. I communicated this to the property management and they informed me the only way to be relieved of owing the remaining rent and/or 2 months lease break fee I would have to supply them with a police report. The police report was provided to their corporate office. Despite me providing the police report the account was transferred to National Credit Systems , Inc. My wife and I have been attempting to work with XXXX XXXX on this matter to get it resolved but we aren't getting anywhere. I have/will enclose the documents to show that this debt should been removed from my XXXX report as well closed and not sold to any other creditors or debt buyers.
Product: Debt collection

I was charged for dental services I never received. I canceled the appointment but the credit company charged me for the services even before the appointment, refused to remove the charge from the credit card and close the account. I never wanted the card. I feel the dentist forces the process on the patient under duress situations. I scheduled for a routine cleaning and was charged for something totally different. 

I contacted the company to resolve this debt and was informed that it was a medical debt that was given to a third party without my permission. 

This HIPAA covered entity and their business associates shared my medical information without my permission or having signed a medical release. My privacy has been violated, security and records have been breached.

I am requesting they provide me with a validation of the debt and my address that is on this bill. My claim is a dispute and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ). I would also like to have proof that this contract is valid. 

Please stop reporting this violation to my credit report until this has been fully validated. I did not give consent to have my private, medical info shared. 

The HIPAA covered entity provide debt validation for the bill in question. 
Please provide a breakdown of all itemized costs. 

Copy of my signature on a release showing that I gave permission for my information to be shared. 


Affidavit under the penalty of perjury that you have not violated my HIPAA, FCRA, FDCPA rights have not been violated.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made an international wire transfer from my bank account with citi bank to XXXX. two days later I was informed that the funds was returned by the bank and that I will need to do buy back and then the funds will be returned to my account in three business days. Its been a month and two weeks since then I have not received my funds. I have called Citi bank and even went into my branch and repeatedly having to explain my self to every new person I talk! they give conflecting information. at one piont I was told my fund will be returned the following day after speaking to a bank manager, but that again was two weeks ago. I dont know what is going on or what they are doing with my funds.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for their ongoing failure to remove inaccurate information from my credit report. Despite multiple disputes regarding these incorrect accounts, Equifax has not taken the necessary actions to correct the errors. This continued inaccuracy is having a significant negative impact on my credit score and misrepresenting my financial history to potential lenders, which is severely affecting my ability to access credit and other financial opportunities. I have reached out to both Equifax and the involved companies multiple times, yet no resolution has been provided. This lack of action is unacceptable and continues to cause me significant financial harm.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

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

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

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Loaded {$100.00} on XXXX  Prepaid Visa on XX/XX/2022 at XXXX XXXX ( XXXX CA ). 4 hours later, XX/XX/2022 at XXXX XXXX there were two purchases I did not make XXXX XXXX XXXX  XXXX ). Filed a dispute with InComm Disputes. There have been countless complaints with this Gift Card company.
Product: Debt collection

XX/XX/XXXX : Dr. Visit at XXXX XXXX XXXX Oklahoma. Was told I did not owe anything because insurance ( XXXX XXXX ) would cover. 

XX/XX/XXXX : Received a credit score decrease notification through an XXXX  service my bank provides. Learned my score had decreased 94 points due to being turned into collection agency ( DELIVERY FINANCIAL SER ) for {$120.00} unpaid bill with XXXX XXXX XXXX Oklahoma. 

XX/XX/XXXX : Called by phone XXXX XXXX XXXX and they told me that it was for the Dr. Visit on XX/XX/XXXX. They did not update my address and therefore had the wrong address on file. I paid the {$120.00} over the phone and have received the receipt of payment statement. I never got any phone or email notification from either the ordinal creditor or the collection agency. I was not expecting a bill since they said I owe nothing because insurance would cover. 

Is it possible to have this erased from my credit history? I have never had a late payment. I have no debt. I pay off 100 % of credit card bills twice per month. My score has been over XXXX for years and is now XXXX.