23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I owe Discover Student Loans over {$93000.00}. I took out my first loan ( co-signed by my mom using my dads income ) in XXXX when I was XXXX XXXX XXXX. 

I XXXX in XXXX and have paid them {$1100.00} every month for almost 6 years. I pay over {$14000.00} in interest every year. I still have 9 more years of payments. Their interest rates are criminal. They used my XXXX XXXX XXXX fathers income and my mothers credit score to calculate what I would be able to repay as a XXXX XXXX XXXX. This seems ridiculous, unethical, and predatory. 
Their only repayment assistance options are temporary and will only prolong my repayment period. 

They are unsympathetic and unhelpful. Theyre selling their student loans off to the highest bidder and will make millions off of our debt. Its a ridiculous scam to give unpayable loans to people ( often minors, first generation students, and fresh high school graduates with little experience or financial literacy ) who just want to learn and better themselves and and up drowning in debt and unable to enjoy their lives.
Product: Mortgage

Bank of America sent me a letter stating that my mortgage payments are late. This is 100 % inaccurate. The latter states that based on their own lie they will add additional fees and take my home via foreclosure ( loss of home ). 
Can you please explain how can bank threaten me with taking my home away while I have NOT MISSED any payments. 
I tried to call them. I was on the hold for 2 hours. After 2 hours, the automated message asked me to leave my information because they could not talk to me. I am submitting the letter I received and record of my attempt to resolve this issue with them directly.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that appears to be incorrect and unverified.
Product: Checking or savings account

I'm trying to conduct an electronic transfer from my BMO Savings Account to XXXX checking Account ending XXXX on file for XXXX and I can't get anyone to help my over the phone. I called Thursday XXXX and they told me use another device and I did and still couldn't conduct a transfer. Earlier this year when I first opened the account, I couldn't log in to view my account. I kept getting errors and the phone # to send a text message was different than the one I've owned for 15 years. On XXXX tried to make the transfer again and couldn't get it completed. The transfer link is blank and does not provide me with the optin to conduct a transfer. I called and they wouldn't do it over the phone and put in a research ticket that would take 1-3 days. I NEED MY MONEY TO PAY OFF A LOAN IMMEDIATELY. The last time I had an issue with an electronic transfer they took 2 weeks to get back to me. If this bank can't get it together, I need them to send ALL MY MONEY from both of my accounts to the XXXX A account on file ( attached ). I will open an account with another bank that has it together. I'm sick of wasting my life away with problems at this bank.
Product: Credit card or prepaid card

On XX/XX/2020 my card was used fraudulently. I called and reported this to Eppicard.com PA department. They cancelled my card, and issued out another one at no expense. I received the new card and activated it. Today XX/XX/2020 I called to check the status of my claim. The representative verifies my information ; then transfers me to another department for fraud. The rep XXXX who answered the phone, could not understand what I was saying ; then claimed the information did not match my social security number. Now keep in mind my information was verified prior to being transferred. I advised that my info is correct ; he stated " sorry ma'am I have closed your card '' and you have to provide proof you are who you say you are. I stated my maiden name is on this card and my drivers license has my married name. He stated I would have to show divorce papers. I have not divorced, how can I show this? He froze my card, I am unable to access my funds. They are unable to give me information, and refuse to say anything other than sorry. I have no job and this is the only funds available to me for my daughter. They are not trying to help me, and I am unable to use anything. It has been weeks since my first call to them about the fraud and they still refuse to assist. My $ is stuck in this pre-paid account. I want to report them for falsely closing my card, not wanting to listen to me verify any information and refusing to let me transfer my funds. 

They have no information and another deposit is on its way to this card and they won't allow me to use it. I have contact domestic relations of PA about this shady company. They also charge per call you make to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have fraudulent accounts on my profile that need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for mortgage payment modification XX/XX/XXXX, received notification for trial modified payments starting XX/XX/XXXX for four months trial, paid modified payment all four months on time or early. Modification not completed and told each month to just keep making the modified payments, nothing more for me to do.I received a letter XX/XX/XXXX stating that I would be notified within 30 days or less of approval or denial. Long story short ... all required modified payments paid and accepted until the modification was denied XX/XX/XXXX ( year later ) I paid the required and accepted modified payments from XX/XX/XXXX to XX/XX/XXXX, on time or early each month. It was no of fault of mine that the modification did not go through and the negligent practice of the mortgage company kept the process going for over a year before being denied then reporting my credit as behind the whole year. I have been unable to refinance the mortgage because of this report, even though I was required and paid back all of the differences in the payment vs the modified payments for that year. I was reported as late or missing payments for the whole year of XXXX and that is not accurate information, I paid the required and accepted payments each and every month, without being late or missing any payments.
Product: Student loan

On XX/XX/XXXX, I submitted the attached application to switch my repayment plan from SAVE to IBR. I have attached my XXXX Tax Transcript. My payments should be {$350.00} per month, per the Loan Simulator at XXXX. Please see attached. The purpose of this complaint is to request that MOHELA immediately place me into a processing forbearance for sixty days so that XXXX of XXXX and XXXX of XXXX will count for PSLF purposes, per the attached guidance. I sent an email to MOHELA on XX/XX/XXXX, making this request. I have not received a response as of yet. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. This account and transactions I am disputing was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent you a complaint previously to inform you that I am a victim of identity theft. I have also sent multiple letters to the credit bureaus regarding this and I have not received any response from them. I have recently checked my credit report and I noticed that the item that I have previously disputed is still reporting on my credit report. The negative items listed below do not belong to me. I am in need of your help in removal of these items from reporting on my file. I will include here the copy of my identity theft report together with the letters that I have sent to the credit bureaus and some documents to help in the deletion of these negative items found on my report. 

XXXX XXXXXXXX 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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : amount {$300.00}, XXXX XXXX XXXX {$250.00} has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

this is not my account, pls remove from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a re investigation of the debt listed on my credit report under XXXX XXXX XXXX # XXXX {$540.00}. This account balance is not valid and it not owed. XXXX XXXX XXXX is in violation of FDCPA [ 15 USC 1692f ] 808 ( 1 ) because they are collecting fees on top of the debt amount. XXXX XXXX XXXX also has not provided any signed contract or proof of any services rendered. All XXXX XXXX XXXX has provided is a copy of a balance ledger which does not show what the debt is attached too. I do not owe any balance of {$540.00} or {$450.00} to XXXX XXXX XXXX and have sent them en estoppel letter on XX/XX/2019 through the Consumer Federal Protection Bureau and have not received validation of debt according to the FCRA guidelines I have disputed this before and this is not a Frivolous Claim this dispute is valid I want this account deleted and removed due to the many violations to the FCRA and FDCPA.
Product: Debt collection

Porfolio Recovery Associates is in accurately reporting two accounts on my credit profiles that the have not verified belongs to me. I have sent multiple correspondence directly to Portfolio Recovery Associates, Credit Bureaus, and by XXXX XXXX asking that Portfolio Recovery Ass. verify that the are legally able to collect said debt. In each request I ask for Portfolio to verify the account belongs to me by sending identifiable information that shows that the debt is legally mine. Portfolio Recovery caused financial distress in my life and continues to defame my name. There unwillingness to provide we original documentation showing where the debt is legally mine violates FCRA laws and is causing harm to my consumer rating. Reps of there 's were rude on the phone, have contacted members of my family, and ruing my financial reputation. Because of their unverifiable, in accurate, and misleading reporting, my credit rating has severely being damaged
Product: Credit reporting, credit repair services, or other personal consumer reports

My info was stolen from me around eight years ago when my house was robbed. Ever since someone has been using my personal private info to open accounts in my name. I filed a police report and an identity theft report. I disputed all fraudulent items with all 3 credit bureaus and still they have done nothing. I am furious that someone can just get stuff in my name so easily and no one is doing anything to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : 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 : {$0.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called to schedule payment and gave them the account information and the account number wasnt correct and the payment never went through agent was working remotely and had terrible phone service I requested them to fix this and they never did.
Product: Credit reporting or other personal consumer reports

This my refilling of my complaint to EXPERIAN for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken even if I sent out so many dispute and explanation letters regarding these accounts. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting or other personal consumer reports

I am formally submitting a complaint regarding fraudulent activity on my credit report. After conducting research on how to remove these fraudulent items, I learned that I need to visit the Federal Trade Commission website at XXXX XXXX XXXX.ftc.gov to file an identity theft report. According to FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report. My reference number is XXXX. Attached to this complaint, you will find the necessary documents to assist in removing the erroneous personal information and inquiries that have been posted to my report. Below is a list of items that were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As per FCRA Section 605B ( a ), credit reporting agencies are required to remove any items in a consumer 's file that are identified as resulting from identity theft within four business days of receipt.
Product: Credit reporting or other personal consumer reports

Dear CFPB, XXXX XXXX  XXXX, and XXXX, I am filing this formal complaint concerning significant inaccuracies in the reporting of my mortgage account, which has adversely affected my credit report. Despite entering into forbearance with your company, I have observed multiple late payments incorrectly reported on my credit report. I was explicitly informed that during forbearance, payments would not be marked as late but would be deferred to the end of the loan term. 

This discrepancy has emerged as a critical issue during my recent home purchase process, where these inaccuracies were cited as the primary obstacle. Despite numerous conversations with your customer service team, there has been no clear explanation for these reporting errors. It appears that each month 's payment is being reported as late from the previous month, which is both confusing and incorrect. 

Furthermore, there are additional inaccuracies and incomplete information regarding this account on my credit report. I believe that this reporting not only contradicts our forbearance agreement but also violates the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Codes 1666b, which protects consumers from inaccurate reporting. 

I kindly request the following actions to resolve this matter promptly : Immediate correction of the inaccurate reporting of late payments on my credit report for the months during which the account was under forbearance. 
Complete removal of any incomplete or inaccurate information related to this account from my credit report. 
Assurance that all future reporting accurately reflects the terms of our forbearance agreement and my payment history. 
Investigation into the root cause of these reporting errors and implementation of measures to prevent recurrence. 
These actions are essential to safeguard my consumer rights and ensure fair and accurate credit reporting. I expect your cooperation in rectifying these issues swiftly to mitigate any further impact on my credit standing.
Product: Debt collection

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Transunion Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX Account Number : XXXX Please remove it from my credit report. 

2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX Account Number : XXXX Please remove it from my credit report. 

3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

4. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry on my credit report I did not authorize
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. Here, as follows are items in error : 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 am unaware of the above-listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). 

I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. 

According to XXXX XXXX XXXX 1997 Equifax is supposed to ensure MAXIMUM POSSIBLE ACCURACY This account violates these laws 15 USC1681i 15 USC 1681s 2 15 USC 1681I 5 15 USC 1681E b Delete ACCOUNT Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action. 


Thank you for your cooperation in this matter, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I have also attached evidence This inquiry has no permissible purpose to be on my report. 

INQUIRY DATE XX/XX/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 XXXXXX/XX/XXXX Delete these inquires due to violation of 15 USC 1681be
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX and XXXX XXXXXXXX XXXX took money from my XXXX XXXX XXXX credit card account. I informed XXXX that I did not authorize this transfer of money! They did any way So I closed he account in XXXX over 7 Years ago! 
The account is still on my cred report! of XXXX.
Product: Credit reporting or other personal consumer reports

Recently pulled my credit report and it contained addresses I've never lived XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX Employers I have never worked for : XXXX, XXXX XXXX