23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am eligible for public service loan forgiveness, but I am not getting answers, even though I applied for forgiveness back in XXXX of this year. 

I was hired as an XXXX XXXX XXXX in XXXX of XXXX. My loans were consolidated in XXXX of XXXX. I do not recall missing any payments. I asked that my loans be put in forbearance only one time, at the urging of a representative with PSLF. The reason I requested forbearance for a total of a couple of months was to get the payments to " match '' their due dates. 

I have submitted two addendums showing proof of payments and requests for payments where PSLF says no payment was due. 

Every time I call, I speak to someone different and am unable to get an answer. I've been told multiple times they are still processing my application to see if I've made the 120 qualifying payments. No one is able to tell me how much longer it will take to process. 

I have stayed at my job for the last two years solely because of public service loan forgiveness. I have spent hours on the phone trying to get answers as to whether I qualify and if not, why. 

Please help me get an answer. I've asked to speak to supervisors and been told my application had been expedited, but to no avail. I should be eligible to have my loans completely discharged so I can move on with my career.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to follow up my previous request that you remove the inaccurate personal information from my Credit File. The following Inaccurate names and addresses are not affiliated with me. I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following Inquiry inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I need you to remove the following inaccurate personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$24.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$62.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$360.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Experian Bureau was notified to delete all addresses and phone numbers listed on my credit report/file. A certified dispute letter ( certified tracking # XXXX ) was sent directly to the company for corrections to be made immediately. 

Experian has been advised of the violations being committed according to code 15 USC 1681a Exclusions- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transaction or experience between the consumer and the person making the report. 

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 instruction.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to comply with federal laws under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. I have identified inaccurate, incomplete, and unverifiable late payment entries on my credit report.

These late payments are being reported inaccurately, and TransUnion has failed to block and delete this information despite my dispute. The data being reported includes : Inconsistent and inaccurate payment history.

Redundant late payment entries.

Procedural errors, such as improper Metro 2 coding and possible re-aging of accounts.

Under FCRA 611 ( a ) and 605B ( c ), TransUnion has a legal obligation to ensure the accuracy and completeness of the information it reports. It also has a duty to block and delete unverifiable or improperly reported data. 

Additionally, TransUnions mishandling of disputes is contributing to harm against my creditworthiness. These late payments are inaccurate and unverifiable, yet they remain on my report without justification.
Product: Mortgage

Dear Bank of America, your attorney 's have sent me the reports for a wrong XXXX loan that ends with XXXX. That is not my mortgage loan. Please send me the paperwork for my mortgage loan which is XXXX. 
It does not feel good to play back and forth with you on this. I am really trying hard to avoid a lawsuit on this issue, since I have 10 more better reason to file lawsuit and I don't this one to be one of them. So please send the correct paperwork. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not enrolled in College of XXXX XXXX XXXX XXXX XXXX - only reporting to XXXX and XXXX ) at the time of this accounts reporting nor did I have a balance when I left. It has been disputed, I have asked for validation and removal to no avail. I disputed in XXXX / XXXX ( responded in XX/XX/XXXX XXXX, XXXX / XXXX ( responded in XX/XX/XXXX XXXX and XXXX of XXXX ( responded in XX/XX/XXXX ) and this account is still reporting. I have also contacted both bureaus multiple times and they continue to report without sending me the information requested in my letters to receive. I have also called on XX/XX/XXXX and XX/XX/XXXX. The dates reflecting that the account was opened are XXXX of XXXX. The amount is {$1300.00}. I have included the original XXXX dispute as they do not contain my signature. I can provide the credit bureau letters if needed that I wrote out recently for correspondence with them, however, I prefer not to provide anything with my signature to " original creditors '' as to limit fraud. 

Other accounts disputed with the same details and timeframe as above : - XXXX - ( received different information and all inaccurate - all 3 bureaus ) - XXXX XXXX XXXX - {$660.00} ( I have only had ONE account with XXXX and the account was closed and paid in full - this is FRAUD. I have supplied the final bill to both collection and all XXXX credit bureaus and they refuse to remove.
Product: Payday loan, title loan, personal loan, or advance loan

I have a {$700.00} loan with CashAdvanceNow. I took the loan out on XX/XX/XXXX. Every 2 weeks they are taking out {$210.00} I asked in XX/XX/XXXX what the total was to payoff and I was told that it was {$930.00} via ACH. I could not afford that amount all at once so I have made 5 more payments since that time. I called today XX/XX/XXXX which is approximately 2 months later and now they are telling me the payoff is well over {$1000.00}. I Am not in agreement with this as well as I asked to pay extra money into the Principal and they stated that was not possible but extra money goes into both Principal and Interest. I told them I them and escalated to a Supervisor, that I was going to report this that they are independent of the Federal Government the US rules do not apply to them. I would like to discontinue this loan but this is a trap and the closer I get to the end the more I have to pay.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Product: Mortgage

Around XX/XX/XXXX, I missed a payment due to medical issues. It ended up where I had accepted a federal loan modification plan. At this time, I was under the impression that due to the medical issues, under this federal modification, the missed payments would be excused due to the program, but they were not. Furthermore, I was told NOT to pay for a couple of months, and those also were counted against me. 

I am grateful they were able to help me during my medical issues, but I have almost had the house for 7 years now, and due to the program, I basically still owe what I owed when I first purchased the home. I do not feel as if the payments, etc., were fully explained to me when this happened. 

I have disputed this with the XXXX  a year or so ago, and PennyMac confirmed everything as accurate. However, the credit reporting does not match. With the reporting not matching and have being confirmed, I feel as though under the Fair Credit Reporting Act, due to confirming the inaccuracies, these should be removed. 

Items that do not match are as follows : No confirmed payments showing before my first missed payment on XXXX ( affecting payment percentage ) First missed payment shows as XX/XX/XXXX on XXXX, but XXXX XXXX on XXXX  and XXXX Missed payment showing for XX/XX/XXXX on XXXX, but no missed payments on XXXX & XXXX XX/XX/XXXX showing as missed on XXXX, but not on XXXX  or XXXX XX/XX/XXXX payment showing as made on XXXX, but not on XXXX  or XXXX I had previously disputed these, and Pennymac confirmed the information is correct. The reporting bureaus confirmed they were reporting what PennyMac sent in to them. So something is off here. 

Furthermore, I have also received multiple calls from PennyMac to refinance the house, including just recently and having happen about a year plus before that. I feel as though they are trying to leverage this against me, as there is no reason to remove these negatives from my report, to keep the policy as-is or to get me to refinance to a higher interest rate ( due to the market conditions, my credit score being impacted, etc.
Product: Debt collection

COMPANY NAME : UNITED COLLECTION BUREAU , INC XXXX XXXX XXXX # XXXX XXXX, OHXXXX ... ... .SETTLEMENT PLAN OPTIONS ... .. 
OPTION 1. {$1000.00} I CHOSEN OPTION 2 OPTION 2. {$1100.00} INSTELLMENT PAYMENT EVERY XXXX OF THIS MONTH AND PAY FOR TOTAL 6 MONTHS ( {$1000.00} ) I START PAYING 1. XX/XX/21 -- {$200.00} 2. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$190.00} -- PAID 3. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$190.00} plus {$4.00} -- PAID but I cancelled regarding {$4.00} that is protection plan they said it is not necessary after that they didn't charged XXXX payment intentionally I do not know why and I find that out XXXXbecause I must pay XXXX installment and I called them why did not charged? AT THAT TIME I PUT THEM INTHE MY DEBIT CARD NUMBER and I got the credit for {$4.00} to my bank account 4. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- - $ XXXX-PAID after XXXX paid I find that out the my credit report the debit amount it suddenly JUMP UP TO {$1700.00} I'm very frustrated and called them why you guys not lying? but they did not listen at all after I mailed documents what is going on but never listen and pay {$1700.00} because I missed XXXX payment but I do not missed if I missed how can I pay XXXX payment? they do not charged intentionally and now they just changed collection company I got the new collection company and they said pay? XXXX the new collection company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX so please help me out still they call me every twice a day I can not sleep, eat, anything because of that. please solve the problem THANK YOU VERY MUCH
Product: Debt collection

This collection agency is reporting on my credit report. I DO NOT have a contract with this company. I did not authorize or give them consent for them to report on my credit report. I understand that no consent is considered identity theft. Also they never provided sufficient evidence that I even owed them a debt. I DO NOT have a contract with them and because of their reporting on my credit report I have been denied credit and they are causing damage to my credit report which is very stressful with sleepless nights and XXXX.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$2000.00} and I called to stop payment and got no help at all I called XXXX get my money back for months and no help at all
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : on or about XX/XX/2024, I submitted a claim for Equifax Data Breach Settlement . Since, I have not received a response from Equifax in regards to the status o my claim, I sent them and email requesting the staus of my claim ( see attached ). 

Equifax acknowledged receipt of my email, however, they refuse to tell me the status of my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am serious about the applicability and reliability in the recent study along with the balance and missed payments pertaining to NELNET LNS accounts and exactly how they are reporting on my credit report. With Section 1681 ( g ) I  recommend them to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but until now no information received. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked and these violations persist on my credit report.
Product: Debt collection

I got a call from unknown number XXXX. I did not answer as I was at work. The number then called my boyfriend. I got on the line and a gentleman told me he was trying to serve me papers and was not sure what it was about but to call number XXXXI was not able to get to that number so called the XXXX back and told they could connect. This caused red flags as it was the same guy and he did not offer to connect me before. I was connected to a man named XXXX. He told me he was collecting for a debt I owed. I explained I was at work and unable to talk but could call back, XXXX told me he had to have me pay XXXX plus today or they would call my HR. I told him to do what needed to be done and the call ended. 5 minutes later XXXX called my work number XXXX. I advised that he could not call this number as it was my work number and they had my personal cell to call. XXXX said I could not tell him not to call. I asked if he was a collection agency and he said no. I advised that if he was a collection agency I have the right to tell him not to call my job, he said I sounded XXXX and asked me to transfer him to HR. I told him no and to verify my employment to use the work number. He asked if I had that number I told him no but he could XXXX it, I told him I did not know the employer code but if he went to the site and typed in the name he could find it. At that point XXXX screamed at me to transfer him to HR. I stated did you just yell at me on my job phone. I told him this call is being disconnected and hung up.
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. 


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 XXXXXXXX has violated my rights . Or list of inquiries 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I sent a letter to my student loan provider Nelnet advising I was an active student and shouldnt have been billed a monthly payment. I have never been late with my payments. My school provided a notice advising I was still a student and the service provider denied fixing the late payment to the credit bureau. Although its only XXXX late payment with Nelnet it had significantly affected my credit score which hinders me from obtaining a mortgage loan.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding this account. I have contacted all the company directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and has informed all the company involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 
I request that you promptly eliminate this account from my credit report, aligning with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently I am trying to obtain my credit score from the 3 credit service providers and it seems that they all have different scores due to my lack of credit history. I know that my past in XXXX I had fallen into hardships and my credit score was not at its best. I was able to repair and clean off my debts. 

Its been 12 plus years and my credit should of have resolved that matter and I should be able to have a clean slate. I recently in XXXX of XXXX tried to establish a credit card with XXXX and they provided a score XXXX and was denied to lack of credit. I also tried to get line of credit with my current Bank of America which was also denied. I would like to request to have my credit score and report be provided during this time. I have done all that I can to try to establish more credit but I am unable too cause XXXX, XXXX and XXXX XXXX all have different scores but I am not able to get a report. I just would like to be given a chance to have accuracy of my credit score so I can rent during this pandemic. Its been extremely hard during this time and I understand that their is relief and help during this time that I can request to help my score and give me a chance to rebuild my score or be provided an accurate credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency still providing false information saying that information is accurate failed to provide me with method of verification Experian used third party vendor which is XXXX XXXX they are reporting false information I provided documentation and will provide again if this is not resolved in 15 days I will file a lawsuit against third party vendor and Experian for violation of FCRA