23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Two months ago when the SAVE program was to go into Administrative Forbearance, I received a letter via Mohela 's website that a payment would be due soon now that the original forbearance was over. I emailed them, nobody responded, but no payment ended up being debited from my account.

Now today, I received another letter stating that during forbearance, interest would accrue during the current forbearance. I have read enough about the current litigation regarding the SAVE program and understand that all loans under this program are under interest free administrative forbearance. Mohela should be ashamed using these kinds of scare tactics to force borrowers into making payments to avoid interest accruing. 

They are an awful servicing provider. They never answer emails, internal website emails or even worse, trying to get through on the phone. They do not deserve to be a loan servicer if they can not provide accurate information for the millions of borrowers assigned to them. I was originally with DirectLoans but my loan was sold to them several years ago. 

Below is what the letter said : Loan Update In an effort to keep you updated on your federal loan ( s ), we have enclosed details about your loan ( s ), including the accrued interest, interest rate, and total balance. The loan ( s ) listed in this letter are currently in forbearance.

Although no payments are due at this time, interest continues to accrue on your loan ( s ) during the forbearance period. You have the option to pay the interest during forbearance.

Here are some helpful tips to manage your account : You may cancel the forbearance at any time to resume immediate repayment. 
Create an online account and enroll in XXXX. Log in to mohela.studentaid.gov to keep tabs on your student loan balance. 
To obtain the outstanding principal and accrued interest balance on your loan ( s ), log in to your account online at mohela.studentaid.gov.

Pay now vs. later. You are not required to make payments at this time. However, if you can afford to make even some payments, it can save you money down the road and reduce the total amount that you repay. 
You remain obligated to pay your loan ( XXXX ), and payments will resume at the end of the forbearance. 
To make a payment, use one of the following methods : Payment Methods There are three easy ways to make your payment : Online : mohela.studentaid.gov Phone : XXXX ( Toll Free ) Mail : Include your account number on the check or money order made payable to MOHELA. Send your payment to : U.S. Department of Education
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX Bank. I closed the loan in XXXX of XXXX. 

As of XX/XX/2021, they updated my credit reports with late payments. 

I do not know why this account would be updating my report after they are closed. 

This hurt my report and I am looking to buy a home.
Product: Credit reporting or other personal consumer reports

Disputed incorrect information and accounts on experian and they always say that the information is correct after 2 days without proper investigation of the information or accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : transunion, experian, equifax Please take notice that this letter dated ( XX/XX/XXXX ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX or so, I started reviewing my credit report and have noticed I am a victim of Identity Theft. Many furnishers reported my private and personal information to the credit bureaus without my consent. I have also been studying the law to understand my federally protected consumer rights. Pursuant to 15 USC 1681C-2. The Credit Reporting Agencies ( XXXX, XXXX, and Experian ), are required by law to block fraudulent information within 4 business days and to promptly notify the furnisher. 

I am seeking assistance from the CFPB to assist in this matter to have these items removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked to validate this inquiries on my consumer report that I do not recognize on XX/XX/XXXX. 
XXXX ( cfpb case number ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This is a violation of my rights. 

Its been more than 30 days please delete this inquiries that are not mine from my consumer report.
Product: Credit reporting or other personal consumer reports

I have email proof these accounts are supposed to be taken off my credit report after theyve been paid for the settlement amount.
Product: Debt collection

National Credit Adjusters calls me from same or new number from same area code, never leaves a message. I've blocked numerous numbers but they continue to call almost daily. 

Here 's a list of recent numbers : XXXX XXXX XXXX XXXX To my knowledge, I owe them no money. Nothing on my credit report shows up. It's so frustrating to get repeated calls with no message, context, etc. 

Thanks!
Product: Payday loan, title loan, personal loan, or advance loan

I paid way over 100 % of this loan. I called to pay off principal before pay dye and they suddenly are adding additional charges. I should be clear of this loan but its predatory and not honest business
Product: Checking or savings account

An account was opened via online services with Bank of America using my maiden name. My credit has been frozen for months, additionally, they clearly never asked for any kind of proof of identification, had they done so they would know that the name and address listed were incorrect. I find it totally unacceptable that they would allow an account to be opened without any verification of the persons identity. 
I then had to spend almost 2 hours on the phone waiting to speak with the appropriate party to get this resolved. I was transferred 4 times to different departments and was never fully reassured that I would get any kind of confirmation stating the account in question was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Payday loan, title loan, or personal loan

O n  XX/XX/XXXX  I an d my husband went into  Wells Fargo B ank located at  XXXX   XXXX   XXXX .  XXXX   XXXX  Fl.  XXXX  we felt we were made a mockery and very much so Discriminated against, as we sat down at her desk i informed her of the type of loan we were inquiring about, which was a ( Unsecured Personal Line Of Credit ), which then she suggested for me to apply for only {$5000.00} Dollars and she stated that that type of loan highest limit was for only {$25000.00} Dollars, so my husband went o n Wells Fargo Bank website on his phone then showed her that the loan has a Minimal of {$3000.00} Dollars and the Maximu m was for {$100000.00} Dollars then she said oh I did n't know that, so she says how much would you like to apply for, in return i told her for {$100000.00} Dollars. So she laughed at us, so when she finished laughing at my reply for {$100000.00} Dollars, my husband ask her what was so funny about the amount my wife mentioned, she in return says I 'm not laughing at you, im laughing with you, which i nor my husband was laughing or found anything to be funny Concerning the amount I applied for. After that As she processed the loan we fouund her to be very Discouraging with certain things she was saying about how I did n't have enough money in my account at the time, and i need to try for a lower amount and that I needed to make at least {$8000.00} Dollars a month in order to be approved for this type of loan. So she submitted the loan and it was Denied Instantly. so i ask her why was i Denied and she said because of my income debt to ratio was 74 % and she told me that I would get a letter in the mail, so the next day I called the Cred it Bureau (  XXXX  ) to see w hy my income debt to ratio was so high, when she calculated a 2 % income debt to ratio when she was processing the loan application.  XXXX  informed me that my credit report was up to date with the right information and that the same credit report that i have, is what 's in there system aswell. So i call ed Wells Fargo  Bank loan Department on  XX/XX/XXXX  to ask why was i denied the day before in the branch, and they said because of my account was not old enough when I specifically inform her when she was processing the loan application that I had my account every since  XXXX . I still dont know what information she put on my application, and at this point I really dont know what or who to believe. So  Wells Fargo Loan Department informed me that they will resubmit the loan Application, and I did file a complaint with Wells Fargo Bank concerning this incident & her behavior towards us.
Product: Credit reporting, credit repair services, or other personal consumer reports

IL Dept of Healthcare and Family Services Division of Child Support Services XXXX XXXX XXXX HFS  XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verfiod correctly. My credit report is still showing Inaccuracies, 15 U.S.C. 1681s 2 ( AX1 ) A person shall not fumish any information relating to a consu nor is an / consumer reporting agency if the person knows or has reasonablo cause to beieve that the information is inaccurate,
Product: Credit reporting or other personal consumer reports

My mothers name is XXXX XXXX XXXX. She approved of me being an authorized user on her credit card accounts so that they XXXX report to my credit bureaus. I received a copy of my credit report. To my surprise, these account are NOT reporting correct information. These accounts are NOT reporting correctly to my XXXX or XXXX Report But is reporting to my XXXX Reports. According to the FCRA, i have the right to an accurate credit report. Please add these accounts immediately to my credit reports. Please provide me a copy of my new credit report reflecting these accounts added upon completion.

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I & My mother who is the sole account holder of the account gave this consumer reporting agency WRITTEN CONSENT to report on my consumer report which violates my rights as a federal protected consumer. NO reporting is discrimination. As a consumer I am demanding the addition of the account listed IMMEDIATELY!
Product: Mortgage

When I learned that my house was in foreclosure I was contacted through the mail by Core Advisory Group. I called them and they informed me that after doing an evaluation that they can help me save my home. They said the total cost for their services would be {$4400.00}. I gave them {$2000.00} on. XX/XX/XXXX15, {$400.00} on XX/XX/XXXX15, and {$100.00} on XX/XX/XXXX15 totalling {$2500.00}. The end results was my house was foreclosed on and Core Advisory Group never fulfilled their end of my contract agreement. And afterwards did n't return any of my phone calls! Therefore, I am requesting and believe I am entitled to a full refund. Due to their breach of contract regarding my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to BANK of the West and requested that they remove the inaccurate late payments from my credit report. Bank of the West continues to report monthly to XXXX XXXX, XXXX, and XXXX nearly ONE YEAR of late payments when in fact the attached documentation will reflect that I paid faithfully in full the entire time that the report is reflecting adversely. If I had EVER been late ( which I was not ), I would have been contacted by the lending institution to resolve the matter. I have never received any correspondence from Bank of the West suggesting that I was late even ONCE let alone for an entire calendar year of 2019. I have attached a copy of my credit report which reflects 12 incorrect late payments in the year 2019. As you can see from the attached documentation, PROOF of on-time payments, but you can also see the discrepency in the credit bureau reporting that I HAD never once been late before or after the months in question. This is a clear violation of my rights under the FCRA which requires ACCURATE and TIMELY credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$13000.00}, {$15000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I as a consumer have the right to privacy and Equifax. They didn't give me an option to opt out of the sharing of my information. They violated my right to privacy by furnishing private credit information under my name without my written consent or without authorization by a competent court having jurisdiction. Equifax was sent my proof of identity, identity theft report, and identification and a statement of what the law requires. They are required to black and delete these accounts within four business days of receiving my notice.
Product: Credit reporting or other personal consumer reports

I do not recognize this account. Please remove it from all XXXX  of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15U.S.C section 602 A. States I have the right to privacy. 

15 U.S.C 1681 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In XXXX to XXXX of 2024, I filed a disputes with Transunion and XXXX Credit reporting agencies about the unverified collection account of XXXX XXXXXXXX. In these months I have tried multiple attempts for validation of this unverified account with these credit reporting agencies. The Fair Credit Reporting Act states that they must verify this account or delete it from my credit report and they have not verified and continue to.Report on my consumer credit report. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from these credit reporting companies as of today. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX - XX/XX/XXXX - {$19000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$7600.00} Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The accounts that are still in pending litigation on my credit report have been a constant source of frustration. Ive made numerous attempts to get this corrected, and nothing has been done. Its maddening that Im still dealing with this issue, especially since its unfairly hurting my credit score
Product: Bank account or service

I live in a subdivision which includes a XXXX XXXX XXXX. The monthly fee for the XXXX is managed by Union Bank NY a part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX along with XXXX XXXX XXXX in XXXX, GA. They began managing the XXXX in XXXX 2015. Since XXXX I have paid my dues on time each month. In XXXX, XXXX and XXXX I received a notice that my payments had been made late and I owed a late fee. Payments are due on the XXXX and a fee is charged for any payment received after the XXXX. All of my payments for those months had been made prior to the XXXX. When I received the first notice I send an email with payment information to the address listed in the letter. I received no response. When I received a second notice I called XXXX XXXX with XXXX XXXX services. He told me Union Bank had applied my payment incorrectly and he would take of it. However, I received a third notice in XXXX with the same issue. Union Bank and XXXX XXXX XXXX have yet to resolve this issue.
Product: Credit card or prepaid card

On XX/XX/2023, I had a {$0.00} ( XXXX balance on my US Bank card. On XX/XX/XXXX, fraudulent charges totaling {$1800.00} were made to my card. I alerted US Bank, and they shut down my card, conducted an investigation, confirmed the charges were indeed fraudulent, and credited my account in XX/XX/2023. ( See attachment # 1 ). Then at the end of XXXX and every month since I've been getting statements with different random balances for another charge that I did not authorize and/or late fee charges. I've reached out to US Bank 's fraud department on multiple occasions and I've spoken to numerous people, including a supervisor named XXXX, and was told different things ; ( i ) we're looking into it ; ( ii ) our system is down ; ( iii ) it's very difficult to remove interest and late fee charges incurred due to fraud. Meantime, they keep sending me statements with additional charges and they keep threatening to report me to the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

On XX/XX/year> and XX/XX/year>, I made payments to Mohela to decrease my student loans. It is now XX/XX/year>, and they have yet to post my payments. 

I do not know what is my true balance. My account states that I still owe them a payment before XX/XX/year>. But does not state how much. In addition, I am still in school. This has been an ongoing issue with Mohela since my student loans were transferred to them. 

I requested a complete history of all my payments made since the day my loans were transferred to them. I have never received that information. 

In addition, it is very difficult to get a hold of anyone. Recently, I was on hold for over an hour and still no answer during business hours.
Product: Debt collection

I've written a letter to dispute this several times to Experian and Experian has yet to validate this debt from XXXX XXXX XXXX in the amount of {$260.00} from 5 years ago.