23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I AM A RECENT GRADUATE OF XXXX XXXX UNIVERSITY. I GRADUATED IN XX/XX/XXXX WITH A XXXX XXXX XXXX IN XXXX. I AM MAKING A COMPLAINT AS OF TODAY XX/XX/XXXX BECAUSE IT IS ALMOST IMPOSSIBLE TO PAY BACK. I AM CURRENTLY LOOKING FOR A JOB IN MY CAREER FIELD THAT WILL PAY ENOUGH TO START MAKING PAYMENTS OR AT LEAST GET THEM OUT OF DEFAULT. MY MOTHER AND GRANDMOTHER HAVE FEDERAL LOANS IN THEIR NAMES ON MY BEHALF AND NEITHER ONE OF US ARE ABLE TO PAY THE LOANS BACK. DUE TO UNFORESEEN CIRCUMSTANCES IN REGARDS TO FAMILY AND FINANCIAL HARDSHIPS IT HAS BEEN A BURDEN RATHER THAN A BLESSING. I CAN NOT BEGAN TO HAVE A SUSTAINED LIFE WITH ALL OF THE DEBT FROM SCHOOL AND IT IS STILL BEING ACCRUED. IS THERE A WAY THAT SOMETHING CAN BE DONE TO ELIMINATE ALL OF THESE LOANS CONSIDERING WHAT OUR JOB OCCUPATIONS ARE OR IF SOMETHING CAN BE REARRANGED.
Product: Credit reporting

I sent a letters to TRANSUNION disputing the credit reporting on the following items on XX/XX/XXXX which they received on XXXX ( XXXX XXXX : XXXX, XXXX, XXXX ) : XXXX - XXXX XXXX XXXX PAYMENT STATUSES IN XX/XX/XXXX AND XX/XX/XXXX on all XXXX accounts with XXXX. 
CREDIT XXXX - XXXX 30 DAY LATE PAYMENT STATUSES IN XX/XX/XXXX AND XX/XX/XXXX XXXX - THAT I OWE {$840.00} AND THE ACCOUNT WAS CHARGED OFF. 
XXXX - I HAD A 30 DAY LATE PAYMENT ON XX/XX/XXXX XXXX - THAT I AM 150 DAYS PAST DUE AND OWE {$7000.00}. 
In the letters I asked them to " Please validate this information with the creditors and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that the 30 day late payment be immediately deleted from the credit file you maintain under my Social Security number. '' They did not respond back with in the 30 days with any viable proof bearing my signature. I sent them letters again on XX/XX/XXXX ( This time all in XXXX envelope, tracking number XXXX XXXX XXXX XXXX XXXX ) and still have not received anything back from them. It has been more than XXXX days since my original letters sent. 

When I call them they tell me they ca n't do anything. I have dealt with the creditors and they tell me to talk to the credit bureaus, and when I call the credit bureaus and they tell me to call the creditors. It is a never ending circle.
Product: Credit card

Called my XXXX father ad upset him ... who is not, and never has been listed as a way to contact me!
Product: Credit card or prepaid card

I had a Citibank  XXXX   XXXX  credit card. After a year, the annual fee was charged to my account in the amount of {$95.00}. I call ed Citibank to close the account and was told I could change it to the Double Cash card which did not have an annual fee. I was told the annual fee would be credited back and the   XXXX    account would be closed. So I agreed and Citibank changed my card. However, they never credited me the {$95.00} annual fee so now my card has a past due amount of {$95.00} which was promised to be refunded since the account the annual fee was billed to has been closed. I have attempted more than 5 times to contact Citibank and each time their customer representatives do not understand the issue and have been completely unwilling  to listen to attempt to correct their issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Mortgage

The lender contacted me on Tuesday, XXXX XXXX, 2024. I filed a complaint today on Friday, XXXX XXXX, 2024. In their response, they reported that they had been in contact with me and were sending me a letter. The lender appears to be misrepresenting the truth as there has been no additional contact with me directly since Tuesday, XXXX XXXX, 2024. The mortgage supervisor I spoke with on Tuesday, XXXX XXXX, 2024 stated that her superior was gone for the day and that she would just send me a letter. Once the complaint was filed, the lender responded that they were working on the matter. Finally, they reported that they had been in contact with me and were sending a detailed letter. There was no additional action taken today beyond what had already been done on Tuesday.
Product: Credit card or prepaid card

Lists current creditor : LVNV Funding LLC NEVER dealt with this XXXX  company NEVER SIGNED ANYTHING NEVER GAVE THEM MY INFORMATION FRAUD INVOLVED Original CREDITOR NEVER DEALT WITH XXXX XXXX DO not have an account number ending in XXXX Charge off sate? during COVID XXXX XXXX XXXX full blown covid Are they stealing information from XXXX XXXX XXXX XXXX 

Have not paid XXXX since charge off date I have no such account never signed up with them never allowed any company to make them my creditor They are a XXXX  XXXX  company incorporated under different names How do you allow them? 

resurgent XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX .XXXX XXXX XXXXXXXX XXXX. 

Shut these XXXX  people down They call during off hours they swear at you they illegally use my home address they intimidate they are prejudice they are XXXX they think they hit on senior citizens stop the XXXX  from buying our data
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Agencies is inaccurately reporting that the Dept of Education/XXXX account was late. I have been in XXXX payment status for several years on my IDRP with the Dept of Education. Please assist me in removing the late payments in from my credit file. There are 7 Department of Education/XXXX accounts inaccurately reporting that I was 90 days late in XXXX and in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 16 accts that were included in my Chapter 7 Bankruptcy discharged in XX/XX/2019 that continue to report neg information on my credit report and they are still affecting my ability to get new credit. Late payments & neg information is still visible to anyone that pulls my credit when I am applying for new credit. I know these items are not to report neg payments after they are included in a discharged Bankruptcy, but these accts still are! I have disputed these items several times & they still continue to report this neg information. The credit bureaus & the individual companies refuse to correct or remove these neg accts. Pls help me to get these items removed from my credit reports as I have had no luck disputing them myself. I know this is a violation of the Bankruptcy laws & these companies need to be called out on this kind of violation. I can provide proof of this affecting me in a neg way. I have enclosed a copy of all the neg reporting info showing up on my credit reports and a denial of credit letter.
Product: Debt collection

I have been a victim of identity theft, Police report has been submitted it to the Creditor that includes their account Bank Of America they said that the account was verified, How? just by assuming that my name is the same and the address match their records. Therefore is mine, I am not denying that the account is mine, Identity Theft Victims when accounts are hacked the perpetrator uses the person identity to identify that they are the actual account holders. when they are not, this is what Identity Theft is all about. ON XXXX XXXX, XXXX I wrote a letter to the Bank Of America requesting the information you will see in my attach letter asking for copies of the charges slips with my signature on it, their investigation report to verify if in fact the signature match my own signature. I mean what is wrong to ask for, a very important information However Bank Of America have denied such right, but YES they can verify me by only saying that the name and the address match their records of course it will match their records does the thieve will say I used this account on XXXX XXXX behalf. That is why I need to verify my Signatures on every transaction it was done on this Credit Card. if they do n't have that information them the account is NOT verifiable. in my letter I am stating dated XX/XX/XXXX that the Law directs to provide with the documents requested at no charge without requiring subpoena within 30 days if in 30 days they fail to respond the account should be Remove/Deleted from the XXXX major Credit Bureaus Company 's because, they fail to Provide me with documents requested I have never received only a letter from Bank Of America stating that the account is mine, therefore now I am asking you to use the Provisions and Regulations under the Fair Credit Act to request Bank Of America to Remove/Delete this account, because it 's being reported it every month to the Credit Bureaus that the account it is Closed but is over the limit when the account is closed, also being reported it as being Late when is closed, on top there is a violation of statute of limitations because according to their records the last payment they received was in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX is about 6 years old. In the State of California states that either Verbal or written Contracts if they are over 4 years are not collectable.
Product: Debt collection

On XX/XX/XXXX, I received an email from this company stating I was in collections and owed them 670 dollarsXXXX  I did admittedly have this fall into collections due to bad management on my part, but it should be noted that this debt is not on my credit report. 

I asked them for a " written validation notice '' before I made any move to repay the debt, as is my right. By law, this must provide the amount of the debt, the name of the creditor I owe, and my rights under the FDCPA. In response, they simply gave me my account number and ordered me to contact them to repay the debt. I asked them for the notice again, making it clear what the notice should include, and they only provided me a copy of my loan agreement ( no mention of my rights under the FDCPA ) and again ordered me to contact them to repay the debt. In essence, they are refusing to give me the written validation notice which is illegal under the Fair Debt act. 

In addition, I have not been able to find evidence this company is licensed in MN, which is where I received the loan. If they are not licensed in this state, the debt is void.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have auto-debit set up with Mohela that has worked well in the past. On XX/XX/year>, my usual auto-debit payment was withdrawn from my checking account. However, a couple weeks later I got notice from Mohela that my account was Past Due and in Delinquent status. The auto-debit payment was successfully debited from my bank, but did not show in my payment history, not even as Pending or Processing. I called Mohela customer service, it was extremely difficult to get to a human. I had to XXXX " how to get through Mohela phone tree '' to reach an actual rep, which was required in my case because the chatbots could not understand my issue. I waited on hold for about XXXX hours. The customer service rep didn't seem to know what to do, so they said they would start an investigation into this issue. I definitely felt as though customer service did not believe me, even though I said I had a bank statement to prove my claim. I asked for updates about the investigation to be sent to me, and for a way to submit my bank statements. The rep agreed to this. One week later I had heard nothing, so I submitted an email message in Mohela 's internal portal. Another week later, I am here typing this complaint still having heard nothing from Mohela. My bank confirms that the transaction left my account and provided me a trace number. At this point I'm getting Delinquency emails, and my next Mohela payment is about {$500.00} due on XX/XX/XXXX. I turned off auto-debit and am even afraid to pay using Mohela 's system manually, because I can not afford to pay this amount more than once if Mohela loses the payment again. I have lots of documentation I'll be submitting with this complaint. I wish Mohela would address this possible glitch in their payment system, because as a technology worker myself I know it's unlikely to be affecting just me.
Product: Debt collection

On XX/XX/XXXX, I received a bill from a collections agency - Bull City Financial Solutions , Inc, for an XXXX ride I had in the summer of XXXX, for {$2000.00}. The XXXX ride was with XXXX XXXX. This bill had been paid in full by my insurance ( attachment A ). I responded and sent a reply back using their form on XX/XX/XXXX, disputing this ( attachment B ). However, I received another statement that was identical to the first. 

This time, I disputed the debt, writing a letter asking them to stop contacting me, and including the insurance statement. My letter is from XX/XX/XXXX ( attachment C ), and they received it via certified mail on XX/XX/XXXX ( attachment D ). However, in another letter signed XX/XX/XXXX, they continue to contact me about this debt that was fully paid ( XXXX ), violating my request to stop contacting me, and continuing to bill me for a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to correct inaccurate late payments reporting on my credit report that I have been disputing for a year. Experian continues to update the accounts with no change to my report. These inaccurate accounts on my report have damaged my credit score and has resulted in my insurance rate to increase. I have disputed these accounts on the following dates XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. I requested Experian to update the late payments to paid as agreed or delete the accounts off my credit report so my true credit history is reported and they have not completed my demand. The accounts that are reporting inaccurately are XXXX, XXXX XXXX, and XXXX XXXX XXXX. I have a copy of my XXXX report which is reporting correctly as no late payments.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-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 results from alleged identity theft, no later than 4 business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in VIOLATION! 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 NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Mortgage

In XX/XX/2015 I called Bank of America to start the process of modifying my 2nd mortgage on my principal residence. By XX/XX/2015 we had reached an agreement on a modified loan and payment that worked for me. During this process I was told by my account rep. ( XXXX ) and another acct. rep ( who I did not get her name ) that because I did not payoff the loan amount of $ 500k which matured on XX/XX/2015, to keep making the interest only payments on time, but they would be counted as late payments since I did not payoff the loan in full. They also said that once we get this loan modified that Bank of America would go back and clear up and remove all of my " late '' payments. I trusted what they told me, but now that I have done what was asked of me ( to make the 3 trial payments ) they now are telling me that they do not do that. They will not remove the 39 late payments off of my credit report. I feel like I have been mislead and lied to by Bank of America. About 30 days after the loan was modified I called BofA and the rep at that time said to give it more time for them to do that, and now I am being told they just do n't do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  TE Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Debt collection

I have no idea what TrueAccord is. This appears that this account was originally with lendly? I have no clue or recognition of this account. It appears that Lendly sold this account to a third party originally, XXXX XXXX Now it appears XXXX XXXX has sold it to TrueAccord. The above are clear FTC violation of code 15 USC CODE 1681S-2.
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 XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

Yesterday XXXX I tried to make a purchase several times on XXXX for the amount below the balance of the gift card and the gift card keeps declining. I spoke with someone at XXXX XXXX customer service 8 times in 24 hours between Wednesday XXXX and Thursday XXXX. No one was able to help. All the reps say either the card is not active ( but the card is showing active online!!! ) or the rep says to wait 15 minutes and try to purchase the items again. The card keeps declining!!
Product: Bank account or service

It 's been told to me as I understand it that XXXX XXXX Institutions are requiredfor consumer concerns that within institution must be posted acknowledgement and/orrecognition of Office of Consumer Currency [ OCC ] and/or provide contact # Consumer Compliance Division ... nor FCPB ... .neither of which is provided. When asked for in XXXX XXXX, XXXX XXXX Senior Premier Banker, Vice President, Regional expressed no such ideaof any such agency that I was describing but offering outlandish excuses about myconcerns.