23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have several student loans that have been consolidated for the purpose of Public Service Loan Forgiveness. I am a public school teacher ( since XX/XX/XXXX ) and have routinely certified my employment for PSLF to ensure that I am still on track. However, on the PSLF tracker on my account, XX/XX/XXXX through XX/XX/XXXX are marked as " employment not certified. '' This is untrue ; I have certified my employment for that time period twice since then ( once in XX/XX/XXXX and again in XX/XX/XXXX ). 

I have been regularly reaching out to MOHELA customer service agents for support, using their chat portal, message center, and phone line. Most of the time, my messages are ignored, or I receive a stock response after 4-12 weeks that my " case is too complicated '' and I need to call in. When I do call in, they either tell me that they don't see the issue on their end or that I just need to wait anywhere between 5 days and 9 months for it to be fixed ( that is to say, when I'm able to get through the phone line- it usually takes over an hour to reach an agent, and I don't have that kind of time in the day ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a letter to the credit bureaus on XXXX XXXX to XXXX, Transunion and XXXX. And My complaints have been ignored. I have sent another round of letters out regarding to the hard inquiries on my report that do not belong to me, however its been well over 45 days and nothing has been done to fix the issue. Here is the provided list below. 


*Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ), Account : XXXX *Credit Inquiry from XXXX XXXX XXXX Inquiry Info : HARD Inquiry : Automotive - XXXX *Credit Inquiry from XXXX XXXX, Inquiry Info XXXX HARD Inquiry - XXXX *Credit Inquiry from XXXX XXXX XXXX  XXXX, Inquiry Info : XXXX Inquiry XXXX XXXX - XXXX *Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : XXXX Inquiry XXXX Banking - XXXX *Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX *Credit Inquiry from XXXX XXXXXXXX XXXX,  Inquiry Info : HARD Inquiry : Banking - XXXX *Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX *Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX *Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX *Credit Inquiry from XXXX XXXX XXXX Info : HARD Inquiry : Finance - XXXX
Product: Debt collection

On XXXX XXXX, 2017 at about XXXX EDT, I received a call at my ( listed ) phone number from this company asking for someone else. The caller told me the company name, which is revealed by a cursory internet search to be a debt collector. So, this debt collector has told me that a named third party owes a debt. A quick reverse lookup of my number would have showed them I 'm not the person they 're looking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Financial Account Services on XXXX/XXXX/XXXX to pay off an account originally through XXXX to XXXX. I was told the account would be deleted on XXXX/XXXX/XXXX. When it was not, I called back and they stated they report on the 1st of every month. 3 weeks later and there is still not a change. I called Financial account services and spoke with XXXX who was very rude and told me I need to figure it out on my own. I asked to speak with someone higher up and was transferred to XXXX in the legal department who told me they do not do deletions and do not have a certain day that report to the credit bureaus, that is done randomly. I believe this to be a lie. I 've never dealt with a company that does not have a specific date they report. A month later, even if that was true, my account is still showing a balance of {$340.00} which is also incorrect.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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

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

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

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

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

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

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

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX  XXXX/XXXX, XXXX   XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX/XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX My name is XXXX XXXX. 
My phone number is XXXX ( XXXX XXXX XXXX
Product: Debt collection

They try to contact me after I have written they how contact and requested them to validate this debt to which they have ignored. And there are many complaints about same problem and they do not answer.
Product: Credit card or prepaid card

Several fraudulent charges were made to my credit card. The credit card company reversed most of the charges, but I have discovered another fraudulent charge on my statement. I have pointed it out to the company, but now I am getting the run-around : i.e. interminable times on hold on phone calls, calls ended by " our systems are down ... etc., transferring calls to the " fraud department '' that never get answered. They are not responsive, giving me the strong impression they are just trying to irritate me enough that I will give up. I am not the " give-up '' type.
Product: Student loan

I was transferred from XXXX and everything seemed ok, but then I needed my employment certified. I have been trying to get it certified since XXXX maybe XXXX at this point. I have emailed and called numerous times. I have spent over 10 hours on hold or talking with customer service all have assured me it will be taken care of. XXXX I'm on the phone now waiting to talk to a supervisor, I'm sure it won't happen. If I turn in the next six months of certified employment they will cancel the request and say this is a duplication form. I also initially had the wrong payment plan set up which I repeatedly asked about and was told it was fine.. it wasn't and would have made me ineligible for the PSLF. I am starting to believe that MOHELA feels this is a game make us wait it out and see how long until we give up. I have worked for the feds for 15 years and it's my right to have PLSF. I'm not sure why they are doing this to good people, I have had four different loan providers over the year and this is by far the absolute worse service I have ever had.
Product: Prepaid card

I was gifted 2 American Express gift cards, each in the amount of {$500.00}. They were intended to cover travel expenses, and claim they can be used anywhere American Express is accepted. However, this claim is false. They decline purchases, for no discernible reason ( never used, large balances ). Any attempt to reach them on the customer service line is met with an automated only system- there is no option to be connected to a representative. American Express card member services can not help either. These cards and their claims are fraudulent.
Product: Credit card or prepaid card

I called because we made a payment that stated it posted, however, XXXX was the rudest customer service agent I have EVER spoken to and even yelled at me regarding a manner when I asked to speak to someone else.
Product: Checking or savings account

I lost my debit card today ( XX/XX/year> ) and someone made a withdrawal from my account that total the amount of XXXX dollars. As soon as I saw this I immediately went to the closest Wells Fargo location to report these transaction as fraud. 

Wells Fargo said that this will be a tough case to prove that this was not me or anyone that I know that made the withdrawal. I want them to check the cameras to see who exactly made the withdrawal, because XXXX out of the XXXX transactions was made " in a wells fargo branch '' and the other one was from a random ATM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there is an inquiry on my credit reports that are fraudulent. It is for XXXX / XXXX in XX/XX/2021. I never authorized this and requested the XXXX, XXXX, and Equifax to investigate this and have it removed.
Product: Credit card or prepaid card

Bank of America has failed to reimburse me a majority of bogus cash advance fees related to a checking account that was used immediately & closed shortly afterwords after being told a check would be issued ( with no time frame given )
Product: Credit reporting, credit repair services, or other personal consumer reports

While reporting these accounts, the reporting companies are violating my rights according to the Fair Credit Reporting Act. My federally protected rights to privacy and confidentiality have been violated by reporting agencies according to 15 U S Code 1681.My rights have also been violated by the lender because they never gave me the option to opt out of this information being reported. 15 U S Code 6802 clearly state that any financial institution that share information with third party affiliates are required to give the consumer an option to opt out of their information being reported. That option was never giving to me. 15 U S Code also states I have a right to privacy, and going on to say that reporting agencies can not furnish reports without my consent. I have tried time after time to dispute these items but the continue to be reported by two consumer reporting agencies. 
Account # XXXX US DEPT OF EDXXXX Amount {$44000.00}
Product: Debt collection

In XXXX Gemini Capital Group , LLC filed Motion with XXXX XXXX XXXX for garnishment of my income for a repossessed vehicle from XXXX. I've been on XXXX since about XXXX. The same Gemini Capitol Group has filed Motion for Revival of Judgment again. Nothing has changed in my living status. I'm still on XXXX and can't believe the predatory nature of this company to do this to me again. I don't believe they can garnish my income from my bank deposits every month from Social Security. What are they wanting to do to me, ruin my credit? I have no vehicle and my credit will not allow me to finance another vehicle. They add more stress in my life with a total income of about {$18000.00} yearly that is very predatory nature of this company and what is going on in America
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked at my credit report and was shocked to see the errors listed in this correspondence. I am writing to have you remove these erroneous items from my credit profile immediately. 

The following accounts needs to be removed immediately : Account Name : XXXX Account Number : XXXX Amount : {$53.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account Number : XXXX Amount : {$3900.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$540.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account XXXX : XXXX XXXX : {$3800.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 





Account Name : XXXX Account XXXX : XXXX XXXX : {$230.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account XXXX : XXXX XXXX : {$390.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 


The following Inquiries need to be removed immediately from my credit profile : Creditor Name : XXXX Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 

Creditor Name : XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 

Creditor Name : us small bus admin oda Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 


By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit profile. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX - XX/XX/2016 - This Credit File does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

The agencies in this dispute have NOT provided Credit Reports as requested and required by law. They have numerous errors consistently. The score is incorrect and shoots high and low over no changes and it hurting my credit worthiness. 

They are still reporting me as high balance having as an authorized user when I have been removed from the debt since the credit holder filed bankruptcy- XXXX XXXX 2 accounts {$14000.00} & {$3000.00} XXXX XXXX XXXX  {$3000.00} XXXX XXXX {$500.00} Balance on my debt is incorrect and outrageous due to incorrect reporting XXXX  is in my name and I have never had an account with them ever They are reporting more than one address They have held my reports and not update accurate
Product: Debt collection

Dispute Amount : {$120.00} Service Provider : XXXX XXXX XXXX This is a follow up to an earlier complaint # XXXX filed against XXXX XXXX XXXX. That complaint was resolved when the company agreed to remove my name from their contact list and that they would contact the relevant credit reporting agencies to remove negative information placed by them. As I have reported previously, I have not had any business relationship with XXXX XXXX XXXX for years and they have not contacted me regarding this matter. As a matter of fact I have sent a letter to the CEO regarding this matter. 

It was my understanding that after I reported the issue that it would be the end of this matter. But that was not to be as I was informed by my credit monitoring agency today that a negative item was placed by a company I have never heard of on my credit report. My investigation of this matter indicates that this is the same item just another corrupt collection agency. This agency is Franklin Collection Service in XXXX, MS . 

I have never been contacted by this company and I have no idea who they are. Tried to call the number I found for them and could not reach anyone. I am irate that this matter will not die and is being reactivated by these unscrupulous collection agencies with no restrictions as to how their actions affect my credit. There has to be a way to put and end to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not do this, someone took a stand by cash account out in my name. 



Changes Previous Report XX/XX/XXXX Latest Report XX/XX/XXXX Credit Report Period XX/XX/XXXX XX/XX/XXXX Account Number XXXX XXXX Condition Derogatory Derogatory Responsibility Individual Individual Current Balance XXXX XXXX Original Balance XXXX XXXX Limit XXXX XXXX Monthly Payment XXXX XXXX Last Payment XX/XX/XXXX XX/XX/XXXX Status Collection / Charge-Off Collection / Charge-Off Loan Term XXXX XXXX Loan Type Line of credit Line of credit Opened XX/XX/XXXX XX/XX/XXXX Reported XX/XX/XXXX XX/XX/XXXX Remarks Charged off as bad debt|Canceled by credit grantor Charged off as bad debt|Canceled by credit grantor Creditor Information 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 XXXXXXXX XXXX XXXX : XXXX
Product: Student loan

On XX/XX/2017, I was approved to receive {$17000.00} paid off from my student loans after applying for the XXXX XXXX Loan Forgiveness Program. I have attached the paperwork that Navient ( who was my loan company at the time Account Number : XXXX ) sent me that shows them approving my Loan Forgiveness. Last week, I found out that my loan forgiveness, {$17000.00}, was placed back on my account by my current Loan company XXXX. I have yet to receive any documentation of a clear explanation of why this has occurred, except from the person that I spoke to on the telephone at XXXX who stated that Navient made a mistake on my account and that I should have never received this amount in the first place.
Product: Debt collection

During the month of XX/XX/, I attempted to go online & pull my credit report. With all 3 credit bureaus, I was informed that I was not providing enough information to verify my identity. This made me question, if there had been any identity theft issues with my credit. As a result, I ordered all three of my credit reports via mail, in order to submit additional information to verify my identity. Upon receipt of my credit reports, I noticed accounts that were not my accounts. I never opened these accounts or gave permission to have these accounts opened. I also noted inaccuracies with the spelling of my name & previous addresses. 

PLEASE REFERENCE THE FTC IDENTITY THEFT REPORT ATTACHED dated XX/XX/XXXX
Product: Debt collection

This company has continually tried to call my phone and say they were calling me about an important business matter.  One woman c alled today and I answered the phone and asked her what the call was pertaining to and she hung up in my face. Then I call back and ask the same question and the lady was ubseenly rude and told me that she needed my whole social security number. I told her I do not give that information out over the phone and that I had previously had my identity stolen as a kid. She sais, '' we will continue to call you until you give me your social security number. '' I said, '' then take me off the call list '' and I hung up on her. Also, when I called back I heard the automated system say progressive financial.
Product: Debt collection

XXXX / XXXX /  XXXX  ! Cvcs collection co, took m y Ssdi mo ney from a on line account!
Product: Mortgage

In XXXX my father took out a reverse mortgage with Wells Fargo Bank. The problem is that I was already om the deed as a joint tenant when Wells Fargo issued the loan. Mrs. XXXX, ( representing Wells Fargo Bank ) called me and said that the loan would not be funded unless I deeded the property back to my father. I told her that I would not do that. 
In XXXX, while XXXX was the servicer of the loan, a foreclosure sale was initiated and rescinded. I was told by HUD that the loan issued to my dad was subprime, illegal, predatory, and not enforceable. 
Fast forward toXX/XX/XXXX. XXXX XXXX ( also known as XXXX XXXX, and XXXX XXXX XXXX ) is suing me for quiet title to my home and judicial foreclosure. 
HUD now says that they can not advocate for me. In XXXX however, they did advocate for me ; they negotiated for Wells Fargo stop collection efforts and pay XXXX taxes. 
I am XXXX and have sought the legal representation in this matter. The home has been upgraded to facilitate my specific physical needs. I live together in the home with my XXXX  sons, my XXXX daughter-in-law, and my XXXXyear-old grandson.
Product: Credit reporting or other personal consumer reports

15 US Code 1681c-2 a consumer reporting agency shall block the reporting of 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 HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Product: Debt collection

Debt Recovery Solutions is trying to scam {$590.00} out of me saying that it is owed from a company called XXXX. They are saying that I am past due on a loan from XX/XX/2021. I have not used XXXX in over 7 years! I have asked them to provide me with paperwork showing the loan and me signing off on the loan, then they proceeded to hang up on me. This is completely baseless and insane that a company can act this way and affect my credit with this nonsense!
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry XXXX XXXX XXXX XXXXXX/XX/year>