23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To Whom It May Concern : I was advised by a Mohela agent named XXXX on XX/XX/XXXX that processing of my application for a SAVE plan has been delayed because a new SAVE application was opened in my name on XX/XX/XXXX with a Mohela agent over the phone. This was news to me. If a new SAVE application was opened in my name on XX/XX/XXXX this was against my direct expressed wishes. I spoke with Mohela Agent XXXX on XX/XX/XXXX to follow up why the Mohela website showed I was in the ICR plan still since I put in my original SAVE application for my consolidated loan on XX/XX/XXXX. I have been waiting since XXXX for Mohela to process my SAVE application. I called Mohela on XX/XX/XXXX because on the Mohela website I saw I was still not in SAVE. I told XXXX NOT to open a new application for SAVE for me multiple times because I was afraid it would delay the SAVE application I already started. He assured me that he would NOT open a new SAVE application for me. He said he escalated the situation to his supervisor and they flagged my past SAVE application so it would be " expedited '' and it would be processed within XXXX working days. He encouraged me to call Mohela back on Wed XX/XX/XXXX if I did not see the website updated and me in the SAVE plan by then as he expected. So on XX/XX/XXXX I called Mohela to check on timeline and to my surprise I was told my SAVE plan application is " delayed '' because a new application was opened with XXXX on XX/XX/XXXX. If this is true this is criminal behavior of Mohela to be opening federal loan applications in someone's name and against their direct and expressed wishes.

Mohela harms me financially and benefits themselves the longer they delay my SAVE application. Under SAVE, due to my income, my monthly bill will be XXXX XXXX and accrued interest will be covered. As of XX/XX/XXXX my accrued interest from XXXX is {$1300.00} and Mohela just did an auto debit payment of {$250.00} based on the ICR plan repayment they continue to keep me in. Mohela 's actions of opening applications for federal loans for its customers against their direct expressed wishes is against the law. This needs to be fixed.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & EQUIFAX are willfully non-complying with the FCRA, Violating my consumer rights and effecting my credit worthiness by reporting inaccurate information to my consumer credit report. XXXX has reported my account as delinquent and CRA 's have not validated alleged debt. When investigating the CRA only contacted the furnisher of the debt & that is a violation pursuant to 15 USC 1681s. Adverse action may not be taken 15USC 1692e. 16 CFR 433.2. I am the agent to these principal accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, 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. This account from XXXX XXXX XXXX XXXX ( Alledged balance of 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. 

I have reason to believe that this debt is invalid as I was never hospitalized in XXXX, and upon calling I was unable to inquire about this due to HIPAA regulations. However as someone who allegedly owes a debt, I am entitled to an investigation and a debt validation provided to me.
Product: Credit reporting or other personal consumer reports

I have called each company my personal information has be breach and my identity has been stolen, please resolve this. I have not requested a credit check or any loans
Product: Credit reporting, credit repair services, or other personal consumer reports

They have ignored my request to provided me with the documents that they have in there files that they used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Accounts Navient XXXX XXXX XXXX XXXX XXXX XXXX ( {$13000.00} ) XXXX ( {$47000.00} ) XXXX ( {$20000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPARTMENT OF ED ACCT NUMBER XXXX XXXX XXXX XXXX XXXX, NY XXXX US DEPARTMENT OF ED ACCT NUMBER XXXX XXXX XXXX XXXX XXXX, NY XXXX Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  a Walmart  i card Account ending in  XXXX  for 1 year now and payments have always been on time, yet they continually lower my credit availability ... based other Synchrony accounts that were fraudulent and reported as such i want my credit avail increased fairly, and reinstated to the  XXXX  i once had.
Product: Debt collection

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act XXXX XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


I submitted a dispute for a late payment showing in XX/XX/year> for my XXXXXXXX XXXX XXXX LOAN. Spoke with company who show it as not being a late payment at that time but shows on EQUIFAX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX I do not recognize any of these companies and have not applied for credit at any of them!
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX     2017  I sent a letter to Transunion dispute  XXXX  collection accounts on my credit report believed to be fraud. In the letter I specifically stated I donot want just verified, i need documentation. I am a fraud victim so i needed a contract with my signature, too see a copy of my id on file with these companies to validate this debt because it 's not mine. After waiting patiently for 30 days Transition send me a letter simply stating " verified ''.
Product: Student loan

Principal loan amount XX/XX/XXXX : {$22000.00} Loan balance now : XXXX Total loan INTEREST paid so for : XXXX Navient is going to add the total amount of principal paid by me in the days to come, but I have paid at least {$10000.00}. So far it shows at least {$41000.00} total paid out!!!!!! 

FYI : From XX/XX/XXXX to XX/XX/XXXX I paid religiously {$280.00} a month for 10 years that is a total of {$34000.00} and I still owe {$12000.00}!!!!!!!! My payments are {$300.00} a month for the next 5 years that 's another {$18000.00}. Over 28 years that 's {$60000.00} on a {$22000.00} loan. I think I have paid my fair share!!!! On XXXX, in the blog section, regarding class action suit against Navient ; there are dozens and dozens of people just like me, in the same boat.
Product: Credit reporting or other personal consumer reports

law 15 U.S.C 1666B I have send in many letters to trans union regarding this issue as per borrower defense Federal Student aid application number XXXX this loans have been paid in full or otherwise discharge. I have send the attachment email received from the Federal student Aid to transunion nothing has been resolve. this is affecting my credit and causing XXXX  and XXXX because of this issue my score is very low. please help thanks This is for XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is not coming up on here i try the drop drop down
Product: Credit reporting or other personal consumer reports

I am writing to express serious concerns regarding several issues I have identified on my credit report. Upon review, I discovered multiple inaccuracies, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are affecting my financial stability, and I urgently seek your assistance in resolving them.
Product: Debt collection

I received two charged off collections letters dated XXXX XXXX, XXXX and attempted to resolve the debt. Being unsuccessful in this I had to activate my benefits through my employer to get assistance from an ID Theft representative / Another formal dispute was entered XXXX. The fact that there are collections attempts being made on an account that should be marked as Fraudulent is a violation of both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. Today my representative called them to discuss the status and was told that they will not accept POAs and will only speak directly to me. Formal POAs must apparently be delivered by hand to someone in their legal department to verify authenticity even though the POA that they have received is notarized. The first rep said that the documents were there, but they ca n't accept the POA, then I called back with my rep and were told there were no documents at this point. I am receiving poor handling of my account and feel they are attempting to stall in the hopes that I do not continue to contact them or to give them time to sell the debt.
Product: Mortgage

Rocket Mortgage keeps calling me about 5 times a day to try and sell their home financing products. I am obtains a mortgage with a local credit union, I have told them this. I have asked them to stop twice already, and they have not stopped yet. They are harassing me at this point
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XX/XX/XXXX and XX/XX/XXXX are incorrectly reporting a charge-off in the amount of {$4100.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in an accident and was deemed a total loss. Consequently, the vehicle was sold at auction and sold for more than the balance owed. In addition, I had GAP insurance at the time so any outstanding balance due was paid. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a Laptop on the XXXX of XX/XX/2022 from Conns Home and the lap top was never deliver. i have called them severally and they told me the laptop was out of stock. and amount of {$930.00} was reported to my credit on XXXX XXXX and is showing " in good standing '' Please i kindly want it to taken off. It is hurting my credit report and i am not making any payment. i have earlier reported it here and no action was taken. Kindly look into it. The name of the company reporting it on my credit is CONN CREDIT CORP. Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I reviewed my XXXX credit report, XXXX, and XXXX I discovered multiple inaccuracies, including unrecognized collection accounts and incorrect personal information, such as misspelled names, phone numbers, and wrong addresses.. Suspecting identity theft, which I previously reported to the authorities in approxiemately around the year XXXX, when I had to file my taxes. There mortages that were take out on my name, deparment of education loans When I print out my credit report from the credit bureau the credit report aren't displaying accurate information. Collections are assigned to someone else name that isn't me. I have not received any documentation proving the legitimacy of these alleged debts, which is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). The failure to provide debt validation suggests that these debts are not valid, as supported by the doctrine of estoppel by silence in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. These inaccuracies have caused significant stress and have impacted my ability to secure credit. Despite disputing these items with XXXX, the issues remain unresolved. I am seeking the CFPBs assistance in having these fraudulent collection accounts removed from my credit report and in correcting the personal information errors to prevent further damage. I also request that XXXX and the collection agencies comply with all legal obligations to ensure that my rights are protected
Product: Checking or savings account

On XX/XX/year>, I noticed cancelled transactions totaling {$3700.00} on my Chime account which I reported to chime. A few weeks later I noticed the cancelled charges once again after I regained access of my account, totaling an additional {$1900.00}. I disputed those charges as well but was also denied. 

Prior to these charges, I experienced suspicious activity, including being locked out of my account and receiving alerts a few days before receiving a provisional credit that suggested someone may have gained unauthorized access from unfamiliar devices. As I noticed the unauthorized charges, I immediately contacted Chime and filed a dispute for these transactions, explaining that I did not approve, authorize, or participate in them in any way. On XX/XX/year>, Chime provided a provisional credit of {$3700.00} while they conducted their investigation. 

However, on XX/XX/year>, I was notified that my dispute had been denied, and the provisional credit would be reversed on XX/XX/year>. I was not provided with evidence explaining how Chime reached its decision, despite my requests for documentation used in the investigation. 

To make matters worse, Chime then informed me that my account would be closed entirely, leaving me without access to my funds and causing severe financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to dispute back and forth multiple times in writing with Equifax in XXXX to remove an address in Arizona that was fraudulent as I have never lived in Arizona and it was tied to someone stealing my credit to open an account ( which I reported to the police ). I have a written report from Equifax in XXXX stating that they agreed the address is fraudulent and had removed it. In XX/XX/XXXX, they put that same address back on my credit report. I filed a complaint with CFPB and Equifax removed the incorrect address. This year ( XXXX ), I see that the same address has been returned to my credit report by Equifax. This company is clearly engaging in fraudulent practices. They have received proof multiple times that this address is tied to identity theft, yet continue to put it on my credit report.
Product: Debt collection

Kikoff lending is a scam company that offers to fix your credit with a nonexistent loan they report that you are paying on a loan that does not exist it sounded shady so I didn't finish the process nor did I validate my email address to show any further interest but it seems as though they had enough information to proceed without my consent I called and the number was nonexistent
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to XXXX, Equifax and XXXX 's failure to honor my credit report update request, despite my numerous attempts to rectify incorrect information on my credit report. 

On XX/XX/XXXX, at XXXX AM XXXX, XXXX received my certified mail in XXXX, TX, XXXX, containing my dispute request. Despite this, XXXX has not made any changes or adjustments to my credit report. I have sent multiple follow-up mail attempts, but they have continuously failed to respond appropriately. 

On XX/XX/XXXX, I submitted a dispute to challenge the accuracy of specific information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681i ( a ) ( 6 ) & 15 U.S. Code 1681i ( a ) ( 7 ), Experian is required to investigate and respond promptly. Instead, I received a generic stall letter, which did not address my concerns or show any real progress in investigating the disputed items. 

I have conducted research and discovered a CFPB report indicating that XXXX uses automated methods to send stall letters, likely in an attempt to push consumers towards using their online dispute systems. However, there is no law prohibiting me from utilizing today 's technology to analyze, create, and send disputes via mail. 

Despite my numerous attempts and the clear evidence provided, XXXX has not updated my credit report or addressed the specific disputes I raised. The inquiries I requested to be removed from my credit report include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - XX/XX/XXXX XXXX 's refusal XXXX address my dispute and their continued use of stall tactics are unacceptable. I demand that XXXX immediately removes the aforementioned inquiries from my credit report and provides a detailed explanation for their failure to comply with the FCRA requirements. 

I have submitted my letters and stall letters sent with dates received. I am not getting any support from the credit agencies.