23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I consolidated my loans with MOHELA, and received less favorable terms, solely for the purpose of eligibility for the Public Service Loan Forgiveness waiver ( PSLF ). All paperwork was submitted timely, and I have met there requirements for eligibility. 

MOHELA will not make itself available for inquiries. Their website is useless, and only directs you to forms and FAQ 's. Calling them is a waste of time because you will not get a live agent, no matter how hard you try or how often you call. Meanwhile, they are sending me bills for a loan that should be forgiven. This is egregious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent nor authorize any person or company to benefit from my credit. As a consumer I requested proof of claim for the account listed below and the company failed to answer my request. 

Account Name. Account number XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 
As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

Denied access via online portal to view report or to make more disputes. 

Called XX/XX/XXXX @ XXXX and XXXX and was told by the rep that I can not gain access to my report because I have a dispute from XX/XX/XXXX. 

It's now XXXX days since I have seen my report or got and results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$32000.00} ; XXXX XXXXXXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$6300.00} XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Product: Credit reporting

I have XXXX accounts for XXXX XXXX Support in Arizona. There are balances on these accounts, but I have paid on-time payments every month. XXXX & Equifax have changed from showing these accounts as " Current : Paid or Paying as Agreed '' to " Account 120 days Past Due Date ''. XXXX still shows all XXXX accounts as current. I have contacted the creditor who told me that I am current on all XXXX accounts. They also said that they are receiving many inquiries from other consumers regarding this issue. They gave me a printout of my payment history for all XXXX accounts, which I sent to all XXXX credit bureaus. I have received dispute results saying that they changed XXXX account but not the other XXXX from XXXX. Equifax shows XXXX as a charge off and no change to the other XXXX accounts. As far as I know, XXXX still shows these accounts as current. I have spoken with XXXX who said that they are just reporting what the creditor has sent them. My concern is that XXXX & Equifax are translating the data that they are receiving from the creditor incorrectly. Nonetheless my credit reports and scores from these XXXX credit bureaus have been significantly affected by incorrect reporting and they do n't seem to care.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA. ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Transunion to reinvestigate these accounts : ACCOUNT NAME ACCOUNT XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Mortgage

-My business was shut down by the government due to Covid. My loan was put on forbearance. My business was to reopen XXXX XXXX. I was promised my loan modification could start XX/XX/XXXX. Since XXXX, XXXX, I repeatedly asked Community Loan Servicing for full payment history of my mortgage.. After filing a complaint on this site, I received a partially illegible, disorganized, incoherent document on XX/XX/XXXX, for my review. Community Loan Servicing demanded i start paying on XXXX XXXX, XXXX. It was demanded that I pay a modification payment by XXXX XXXX XXXX in order to " save my home '', and that unless I paid it I would no longer be eligible for a modification, although I still had questions that they refused to answer.. 
-I had been promised that the modification would start in XXXX, XXXX. 
-I asked repeatedly for an explanation of why I was offered a modification with one interest rate, then they raised the interest rate in the next letter for no reason. No answer.

-I asked repeatedly for an explanation of how I could possibly owe {$190000.00} on a {$180000.00} mortgage after paying for 14 years. No answer.

-I asked repeatedly for an explanation of some fees. No answer.

-I asked repeatedly for the total sum of money I have already paid to them. No answer.

-By my calculations I have paid them approximately {$330000.00} over 14 years on the {$180000.00} mortgage. The modification offered was for an additional {$600000.00} over another 40 years. Almost XXXX XXXX dollars for a {$180000.00} mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not correct the ongoing issue with the following creditor that is reflecting late payments of over 150 days incorrectly : XXXX ( acct # XXXX ) {$3500.00} Payments were noted on XXXX credit report received for XX/XX/2023 ( see attachment ). However the same report reflects no payment data for XX/XX/2023 and XX/XX/2023. Then for XX/XX/2023 the report states 150 days late. This is a discrepancy. How is this possible? 

What is the purpose of the FCRA if bureaus are not correcting these erroneous errors?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX { Acima Digital Fka Simp } { XXXX XXXX XXXXXXXX XXXX XXXX  } { XXXX, Ut XXXX XXXX Account XXXX Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 my bank account was hacked at XXXX XXXX XXXX Even though I have never done large transactions in my life. The bank failed to noticed that in that month over {$10000.00} dollars was removed without my consent and knowledge. I tried calling the fraud department and the told me since my name was used, they assumed it was me. No restriction was put no call was made to me to see if indeed it was me making those transactions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inquiries made by your company that I do not recall authorizing. As I understand, such inquiries should not appear on my credit file without my explicit consent. 
XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

OnXX/XX/XXXXXX/XX/XXXX A submitted was made with XXXX  against XXXX XXXX which is an collection for the amount of {$2100.00} date open XX/XX/XXXX. They have not provided me with any document showing I ever had a contract with them. I have no knowledge of this collection or amount. I would like for this collection to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX XXXX EQUIFAX : This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified. You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the lack of evidence in this complaint. I don't think your report is accurate. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally filed a dispute on XX/XX/XXXX via certified mail to all three credit reporting agencies : XXXX, XXXX and Equifax. I received a letter on XX/XX/XXXX from them stating that the Collection account has been verified as accurate. In my letter I requested for them to send me copies of the documents they used to verify the collection. They have failed to send me any documents. They have continued to report this inaccurate and unverified collection on my credit report. On XX/XX/XXXX I sent a U.S. Postal certified mail receipt to XXXX XXXX XXXX XXXX XXXX requesting that they send me copies of the documents they used to verify the collection. They have failed to send me any documents. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Update : I called XXXX via phone yesterday XX/XX/XXXX and spoke with a representative that advised me that the collection from XXXX XXXX XXXX has been removed from my credit report. The representative stated that XXXX XXXX XXXX contacted them to remove the collection from my credit report. I would like for Equifax and XXXX to remove the collection {$4700.00} from my credit report.
Product: Money transfer, virtual currency, or money service

I went to the ER in XXXX XXXX, thinking my XXXX was XXXX. This was XX/XX/XXXX. I was told that I would not be able to be XXXX XXXX anymore. Long story short, I finally got Medi-cal in XX/XX/XXXX. I have been under the same doctor 's care since XX/XX/XXXX and after being given XXXX XXXX at the ER without insurance and another ER visit months later due to a XXXX XXXX XXXX XXXX, I guess these bills that I could never afford, I though we're paid by MediCal because I filled out the form I was told to contact any hospital, doctor or any other medical service and they would pay it. I never heard back and thought it was taken care of. I did  not get approved for XXXX until XX/XX/XXXXand was given XXXX back pay and only 600+, $ a month leaving me unable to work, pay back my adult sons and every one else who had supported me back for all the burden they went through. I can't afford to pay all the money plus interest on these huge medical bills. I could pay XXXX $ a month but the interest is almost as much as the principle. Now, I am XXXX XXXX XXXX and need more XXXX on my XXXX XXXX and have an XXXX caregiver that helps me for 70 ish hours a month. I need to move out of the RV I rent but I don't know how to get a loan so I can get an easier place to stay and help me to be able to have a XXXX   friendly room for rent or a way to not feel like a prisoner of my own body. I am sorry but do not know what to do.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transaction was authorized, I was charged fees due to lagged charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Started receiving calls from phone number XXXX Caller ID XXXX XXXX on XX/XX/2022 at XXXX, XXXX, XXXX & today at XXXX, & XXXX XXXX The caller each time was a man 's voice telling me that they are trying to collect a XXXX credit card debt in the amount of {$18.00}?? XXXX. When I try to explain that the debt has been resolved, I'm told that they are taking me to court and I can explain it to a judge. They are rude and talk over me and threaten to have a lien put on my income or bank account. As I try to inform them that I am on XXXX and the account has been satisfied. I'm told by one caller, " I better get my money back because I am going to court '', the other caller, '' It doesn't matter what i say because I'm being sued, and I can tell it to a judge, good luck in court, then the call is abruptly ended. 

I tied to research the company and discovered there is no such collection company by that name and that the number is a cell phone number without any identifying contact. The number does come up as a medium risk on my caller ID, however, I have received call ID as a risk, and they were legit. I therefore was and am concerned about receiving a call from anyone purposefully trying to fraudulently scam me or any other XXXX  XXXX person. 

Please look into this matter and put a stop to these frauds who seek to take advantage of vulnerable citizens. Something that eventually made me suspicious of this caller was one of the callers told me that XXXX no loner exist, which is completely a lie. XXXX does in fact exist and their XXXX credit card division was sold to XXXX XXXX whom I settled the final part of my debt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a response from lexis nexus from CFPB about a bankruptcy I disputed that they have on my profile. Not only did they say they verified this through a public source pacer but they said they verified my last four digits of my social security number and date of birth. According to the FCRA they need to verify my full identity not just the last four of my ssn. Social security numbers are only unique in the first five digits. This is against the fcra
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Record type XXXX XXXX bankruptcy XXXX Date filed XX/XX/2020 Date resolved XX/XX/2020 Reference number XXXX 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: Credit reporting or other personal consumer reports

On XX/XX/scrub> 2024, I noticed hard Inquiries on my EXPERIAN credit report from 5 companies that I did not authorize to pull my credit report the list are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .
Product: Credit reporting

XXXX XXXX XXXX {$850.00} I have never heard of this ... ... this is NOT mine
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

I went to the shop called XXXX on XXXX XXXX to get my car fixed, it was on XX/XX/2015.The owner put me on a plan called flexpay plus, after taking me {$200.00} cash only, no receipt was given, for me it was red light.then the rest was supposed to be pay within 90 days or by refinance with high interest,XXXX weeks after i scheduled to pay off the loan within 90 days, they called me and said that they made mistake on the amount that i own them that it should be higher, i said ok, then i have chosen to pay them one time payment in my convenience day but before 90days expired, they did not like it and they start those abuses listed at the bottom 1-They call me all the time. 
2-when they call me and i pick up the phone, there is nobody to talk with me, i listen the music and the voice of lady talking until it tell me press 1 to leave a message and we will call you back 3-they harass me all the time 4-their practices are just illegal Starting i thought i was dealing with XXXX then i found myself dealing with montereyfinancial only few days after signing the contract with XXXX