23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

There are three problems : 1. Mohela messed up my employment history which is impacting my qualification for three payment programs I'm supposed to be on ( the income driven replayment plan and PSLF plan I've been on for almost 6 years, and the SAVE plan which I just applied for in fall XXXX  ). I've submitted the necessary paperwork - the employment verification form - each year. However, a recent document they sent me shows several incorrect fragmentations in my work history. The most recent inaccuracy shows that I stopped working for a qualifed public agency around XX/XX/2023. This is incorrect as I still work for the state. It is also driving up my monthly payment from {$180.00} to over {$1200.00}! 

2. I signed up for auto student loan payments on Mohela 's website in the amount of {$180.00} per month several months ago because they state they will provide a 0.25 % discount. In the first week of XXXX they did the auto pay for {$1400.00}! It cleared out half of my account. Thankfully my credit union recalled the charges. However, I when I notified Mohela they just sent me a message saying to call them. I believe this was essentially a fraudulent charge on my account and it is extremely alarming to me. 

3. Which brings me to my third complaint - Mohela is impossible to get on the phone. Why not at least provide helpful assistance via messages on their website?
Product: Debt collection

On XXXX XXXX 2021, I got a credit alert that a company called Amsher Collection Services reported a collections account to the credit bureaus. I was concerned because I had never heard of Amsher, nor done any business with them, nor had any contact with them. I immediately filed a dispute with XXXX  to have this unknown account removed, and sent correspondence to Amsher through their website, via e-mail, and through postal mail requesting validation of the debt and an explanation of why I was not notified of it before reporting to the credit agencies. 

Amsher has yet to acknowledge my correspondence. 

They also violated the Fair Credit Reporting Act 623 ( 7 ) ( a ) by never giving me any notice of this debt, or of the furnishing of negative information before reporting it. 

This is a blatant attempt to use the filing of negative credit information as a bully tactic to get me to pay a debt that has not been validated, has not been verified, and that I had no prior knowledge of existence before it's appearance on my credit report. It's a shameful practice and should be punished.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY IDENTITY AND OPEN UP SEVERAL ACCOUNTS UNDER MY NAME IN XXXX XXXX NEVADA FROM XXXX TO XXXX. I HAVE LIVED IN ALABAMA ALL MY LIFE. THESE ACCOUNT ARE EFFECTING MY CREDIT SCORE. I HAVE SINCE WENT TO THE STATE OF ALABAMA DMV AND ASKED FOR 17 YEARS WORTH OF DRIVERS LICENSE. I HAVE DISPUTED AND TRANSUNION STILL REFUSE TO REMOVE FROM MY CREDIT FILE. I AM ASKING FOR A FULL AND ACCURATE INVESTIGATION IN THIS MATTER. THESE ARE THE FOLLOWING ACCOUNTS OPEN IN XXXX XXXX NEVADA UNDER MY NAME!. XXXX XXXX 2.  PRIME ACCEPTANCE 3. CHAPTER XXXX BANKRUPTCY XXXX THESE ARE NOT MY ACCOUNT U CAN PROVIDE A LEASE FOR THE PAST 10 YEARS FROM MY LANDLORD AND OTHER DOCUMENTS THIS IS NOT ME!!!
Product: Debt collection

Under the doctrine Estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted Portfolio Recovery Associates on a matter that pertains to my credit. I have been a victim of fraud. I sent Portfolio Recovery Associates a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked Portfolio Recovery Associates to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXXXXXX XXXX XXXXXXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Portfolio Recovery Associates and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe Portfolio Recovery Associates You can not because this is not my debt nor do I owe Portfolio Recovery Associates anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM PORTFOLIO RECOVERY ASSOCIATES NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of my first letter complaint was XX/XX/2021. I sent a letter regarding inaccurate and unknown things on my credit report. 

On XXXX21 I filed my first complaint with the CFPB due to the non response from your company. Since then I have received a notice from the CFPB that you stated that you think that my complaint was filed by someone other than my self. This is false and untrue. My complaints with your company are 100 % done by me. I have a legitimate complaint that you are knowingly reporting false, inaccurate incomplete, and unverifiable information on my credit report. I have brought it to your attention now 3 time. I expect this matter to get resolved immediately. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

This is my 2nd and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General.
Product: Mortgage

On XX/XX/2023, I received an email from Rocket Mortgage stating that a check for my escrow overage for the year had been mailed to me on XX/XX/2023. I had yet to receive the check in the mail, so I called Rocket Mortgage to inform them that I didn't receive a check for the overall on XX/XX/XXXX. After speaking to the representative, I discovered the check was sent, but the mail was returned to them. However, they told me they couldn't release the funds because my account was on a forbearance plan until XX/XX/2023, because of a natural disaster that was declared in XXXX XXXX. I told them the account wasn't in forbearance when the funds were released, and I asked them to resend the funds to me. When they couldn't resolve the problem, they sent me a supervisor who stated that even though they sent out the check, if I had the check, I could cash it, but because they got it back in the mail, they wouldnt resend the check until I pay XXXX mortgage payment. I informed them that I didn't pay the XXXX payment due to the natural XXXX that was declared in XXXX XXXX, which financially impacted me to the point that I asked for a forbearance. She stated that nothing could be done until I made the payment for XXXX ; then, they could resend the check. However, these funds were already sent to me in a check on XX/XX/2023. 

Once the funds have been released, they shouldn't be able to withhold them from you. In addition, a forbearance is meant to assist your customer during times of hardship ; why would your customer be punished for being a part of this program by withholding funds that are due to them that could assist during their time of distress.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Dispute of Incorrect Personal Information on Credit Reports Dear CFPB Representative, I am writing to formally request your assistance in correcting inaccurate personal information on my credit reports provided by XXXX, XXXX, and TransUnion. I have reviewed my credit reports and found several errors that are in direct violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Below is a detailed list of the inaccuracies that I have identified : XXXX XXXX XXXX  List of Errors : 1. **Incorrect Names : ** - Reported : " XXXX XXXX XXXX XXXX - Correct : My name should only appear as " XXXX XXXX XXXX '' " XXXX XXXX XXXX XXXX '' or " XXXX XXXX XXXX XXXX '' I AM NOT KNOWN AS ANYTHING ELSE BUT THESE NAMES PLEASE REMOVE Also known as ( XXXX, XXXX XXXX, XXXX ) 1. **Incorrect Employment Information : ** - Reported : " XXXX XXXX XXXX, '' " XXXX '' - Correct : I am currently employed only at " XXXX XXXX XXXX XXXX '' Any other employment information is incorrect. 
XXXX. **Incorrect Addresses : ** - Reported : " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX '' and " XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX '' - Correct : My correct address is " XXXX XXXX XXXX XXXX, XXXX, FL XXXX. XXXX There should be no other addresses listed on my credit reports. 

XXXX XXXX XXXX  Applicable Laws : - **15 U.S.C. 1681c ( a ) ( 5 ) : ** No consumer reporting agency may report any incorrect or outdated information on a consumer 's credit report, including incorrect personal information such as names, addresses, and employment details. 
- **15 U.S.C. 1681i ( a ) : ** This section mandates that credit reporting agencies must promptly investigate any disputes regarding inaccurate information and correct or delete any data that is found to be incorrect. 
- **15 U.S.C. 6802 : ** This law states that financial institutions must protect the privacy of personal information and can not share this information with third parties without the consumer 's explicit consent. 

I request that you initiate an immediate investigation into these inaccuracies and ensure that the correct information is reflected on my credit reports across all three bureaus. I am providing this information in compliance with the FCRA and ask for your assistance in ensuring my rights are protected. 

Please provide written confirmation of the corrections made to my credit reports once the investigation is complete. I expect these errors to be resolved promptly, as they have a significant impact on my creditworthiness. 

Thank you for your attention to this matter. I look forward to your prompt response and the necessary corrections. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT AND I NOTICED THESE INQUIRES THAT I DO NOT AUTHORIZED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This collection was from years ago that was paid or ether liable as a nonen vailade payment
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for their failure to adequately respond to a dispute letter that I mailed on XXXX XXXX XXXX requesting an investigation into inaccurate items on my credit report. In my dispute letter, I outlined several items that I believe are inaccurately reported, including entries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a Bankruptcy reference number : XXXX. Additionally, I disputed incorrect personal information listed on my credit report. 

To assist TransUnion in verifying my identity and address, I included copies of my photo ID, social security card, and a recent bill with my current address. 

Despite mailing the dispute letter and providing necessary documentation, I received a response from TransUnion, dated XX/XX/, indicating that they were unable to process my request because it did not appear to have been sent directly by me or an authorized third party. This response demonstrates a failure on TransUnion 's part to recognize the legitimacy of my dispute and to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit bureaus are obligated to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is clear that TransUnion has failed to fulfill this obligation, thereby infringing upon my consumer rights. 

Enclosed with this complaint are copies of the dispute letter I sent to TransUnion, along with XXXX response, serving as evidence of my efforts to rectify inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.
Product: Debt collection

debt collector Harris and Harris XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX, ( XXXX ) XXXX XXXX did not send a letter stating any amount was over due. so that I could dispute it. I do not have a balance due for medical/hospital. As a matter of fact. the hospital refunded me {$30.00} dollars for over payment of the billing. The debt collector erroneously, reported a debt of {$100.00} dollars to the credit reporting agencies which negatively affected my credit score. I have attempted to resolve the matter by phone and have not received a phone call back. attached is a copy snap of my account that states XXXX balance also a copy of a check refunded to me for over payment. if any money was owed the hospital would have applied that {$30.00} dollars to the bill.
Product: Mortgage

My mortgage is being traded on the market under the XXXX XXXX with a closing date of XX/XX/XXXX baring a CUSIP number XXXX, and the securitization trustee who is the trustee for the security instrument has not been providing me with the financial information or the interest information for me to collect on my investment and my entire attempts to get this information from the securitization trustee has gone ignored and unanswered. Bank of America , N.A . ( a subsidiary of Bank of America Corporation ) and others are defrauding me and conspiring against me, the home has mortgage default insurance on it and as part of the mortgage security agreement that allows for it to be traded on the market, the mortgage default insurance is there to protect everyone and as I demanded in the notice dated XX/XX/XXXX sent under certified mail number XXXX addressed to XXXX ( XXXX XXXX ) for Bank of America , N.A . and received by Bank of America , N.A . on XX/XX/XXXX they are refusing to apply for the mortgage default insurance as required by the security agreement, they are now violating the trust agreement and this is security fraud.
Product: Checking or savings account

On XX/XX/2019 {$25000.00} was taken out of my account without my permission. The very next day on XX/XX/2019 another {$2500.00} was taken out of the same account. On XX/XX/2019 {$2500.00} was taken out of my account. Then on XX/XX/2019 another {$2500.00} was taken out of that account. That was {$10000.00} taken out of my account within a 12 day span. Then on XX/XX/2019 another {$2500.00} was taken out of my account. On XX/XX/2019, another {$2500.00} was taken. This is {$15000.00} that has gone missing from my account. Each time I filed a complaint I was told the amount would be returned within 10 days of the transaction. With each of these incidents the 10 day mark passed & the money that was taken was not returned. Ive asked, called, texted, & waited patiently for Bank Of America to return all of the money they have taken from my account. The bank failed to do a reverse wire for all of these transactions. With the last transaction Bank Of America refused to reopen an investigation. They promised that the money would be returned to me & is refusing to give me my money back,
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX  XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  XXXX XXXX XXXXXXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX - HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX  XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) XXXX traded in my XXXX and sold me a lemon with 4 balled tires, no sensors and I took it in to XXXX XXXX ( XXXX ) XXXX who harassed me for {$300.00} for a spare key. 

XXXX XXXX XXXX my landlord I watched steal the key and called XXXX. I had XXXX my car insurance tow the car back on the lot on camera and XXXX XXXX XXXX refused to remove off my credit report. 

The brakes didnt work, the car didnt drive at all. I removed my tags and called XXXX XXXX police to gain access due to the fact it was a Saturday morning and the arm would not lift for the tow truck driver.
Product: Money transfer, virtual currency, or money service

Domestic Wire Transfer was requested on XX/XX/2020 at XXXX ( PST ). On the same day, I issued 2 additional wire transfer request with 2 different banks other than American Express National Banks. All the other banks guarantee a same day delivery for domestic wire. Only American Express told me it would take them 3 days to send a domestic wire. 3 days!!!! I called customer services later to check on the status 3 hours after the request, and customer services representative told me all they know is that the wire is still in process and there is nothing else they can know. Additionally, i asked if it is possible to add a message to expedite that as it will delay my escrow closing process. They also responded, there is nothing they could do. Lastly, I requested a formal response for my complaints, and they told me they could not guarantee that either.
Product: Credit reporting or other personal consumer reports

This company REFUSES to cancel my subscription with them. They keep trying to charge me {$34.00} every XXXX day. I have TRIED TO CANCEL THIS SINCE XXXX. They're still charging my bank account. I don't know what to do anymore. I'm at the point to where I need to create a whole new bank account just to stop this. They aren't even reporting to my credit report anymore. They're just taking the money, or attempting to. 

My e-mail for TomoBoost is : XXXX There are HUNDREDS of people who are in the same situation as me. There are several class action lawsuits in place against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX if a cow is still reporting inaccurately as a delinquent account or derogatory account with XXXX it has not been deleted nor updated as a as the other two credit reporting bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I Iam a natural person, Iam a living human being, I have rights under 15 USC 1681. 
I do not recall having accounts with these business please verify -original contract with my signature -creditor information -payment history -proof of ownership Due to this inaccurate accounts my life as been impossible with trying to get a home and vehicle and need to be treated fairly and remove the information that should have never been on my report in the first place XXXX is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given XXXX written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given XXXX written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Accounts : 1XXXX XXXX XXXX XXXX XXXX & XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX 6XXXX XXXXXXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX- XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXe XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX- XXXX XXXXXXXX XXXX XXXX- XXXX