23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

After I graduated college from XXXX University. I couldnt make payments. After a few months I get a phone call saying that they whoever they were worked as a third party for XXXX University to help students get into a payment plan. They only offered forbearance. No other options were given or provided. It sounded kinda weird but I went along with it. Whoever I talked to connected me right to Navient and within a few minutes of the phone call my loans went into forbearance. Well for 3 years this went on! No options for anything other than forbearance was given or provided to me wither by XXXX University 3rd party service provider nor Navient. 3 years of collecting interest. Not even a mention of Income Based Repayment plan. I was basically unemployed the entire time. I still am after 5 years! I was steered into forbearance. I complained to the Department of education they just tell me to work with my servicer, who got me into forbearance! Since then I've defaulted because I defaulted I cant get into IDR. Where does this end? Bankruptcy? Federal court? Department not taking responsibility, the servicers are not taking responsibility. I got into IDR for 1 year even with defaulted student loans! The student loan program is sooo messed up there is no end. 5 years cant afford 1 cent to make a payment all because my servicer NAVIENT and XXXX University steered me into forbearance! Why should I make any repayment! It hasnt gotten me a job! just extreme poverty with no ending in sight! And you guys arent going to do anything but tell me to complain to the department of education. Basically I have been defrauded by NAVIENT and XXXX UNIVERSITY over my education and student loans! To this day I am still being defrauded!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found 16 credit inquires that I did not authorize. I need this reported so that my credit score returns to the true score.
Product: Credit reporting or other personal consumer reports

I'm not associated with these loan creditors, and I didn't begin the enquiry. I'm requesting that you get them out of my credit report right away.
Product: Credit reporting or other personal consumer reports

I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. I had recently reviewed my credit report and saw inaccurate information being report resulting in significant negative impact on my credit report. I never authorized this lender to make a hard inquiry on my credit report. Per credit consumer law ( 15 U.S. Code 1602p ) I request that you please remove this specific hard inquiry from my credit report immediately as for it is causing damage to my credit report proving inaccurate information which is in violation of my rights and of the FCRA.

I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. As well as reporting late payments on my account this is inaccurate information that is having a negative effect on my credit report causing a negative impact on my credit score and payment history. Under 15 U.S. code 1681s - 2 that is in violation of the law and my rights to report any inaccurate information. As well in violation of 15 U.S. code 1681 ( b ) reporting any information regarding my credit report without my written consent. With my account being shown as a charge off of bad debt that is inaccurate and having a negative effect on my credit report causing severe damage to my credit score and history under 15 U.S. code 1601. Regarding the reports of late payments effecting my credit negatively I want to refer that under 15 U.S. code 1666 ( B ) it is a violation of my rights reporting inaccurate information. This is all in violation of the FCRA and I would like them removed immediately. 

I have previously submitted disputes with the following individuals TransUnion, XXXX and XXXX. The disputes have been submitted on 3 or more separate occasions dating back from XX/XX/2024 til currently over the time period I have asked for them to verify proof there credit reports were accurate, they have yet to submit proof or proper accuracy I have pull credit reports from varies bureaus resulting in various instances where I found multiple instances of inaccurate information being reported having a significant negative effect on my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted Equifax directly, sent the FTC and they are still failing to do a proper investigation.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX, NY XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Student loan

PSLF plan was paused, I am stuck in a lower paying job unable to change due to the pause on the SAVE plan, with no end in sight. I can not move, buy a house, or change anything. MOHELA is less than useless, they do not respond, take hours on hold to talk to someone, never know anything or can help with anything. Tell me different information EVERYTIME I or someone else calls. 

Also borrower 's defense application is stuck with no movement. XXXX promised all rotations in one place which was a LIE, I had to make my own rotation plans and move across the XXXX XXXX pretty much every XXXX months. They had falsified residency placement numbers and falsified XXXX step passing rates. I did not realize any of this until well after I started.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just made aware a hard inquiry was made on XX/XX/2018 was made to capital one. This was not authorized by me. I did not request anything on said date. This is fraud. I just want this removed as I did not authorize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNIon does not allow me a mechanism for placing a permanent credit freeze not for erasing all information from their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax this morning and explained that upon looking at my consumer report I noticed accounts on my report that I had previously disputed. I also made several attempts to remind the representative of their duty pursuant USC 15 1681A. Also, how they have made grave error and are neglectful in remedying my affairs. I also stated to the rep USC 15 1681E ( b ) assures that I'm due accuracy on my report based on federal law. to no aval there was nothing done. Case # XXXX
Product: Credit card or prepaid card

made one {$200.00} payment over phone and they withdrew 4 payments of {$200.00} on monday XX/XX/XXXX... we called they said they would call me back in a few mins.they never did.so i checked my checking acct. tuesday XX/XX/XXXX they re turned 2 of the payments that where illegally took on the XXXX but fifth third took another payment on the XXXX fifth third took a total of 5 {$200.00} payments when i only authorized 1 payment of $ XXXX.and told me i have to call in 7 day and begg for the return of the4 other payments fifth third took using an illegal wire transfer that fifth third use to steal my money in the first place... so i cant pay my bills and she said we could always cut your credit line on you! so even though i have had that acct. 10yrs. plus i great standing fifth third is going to threaten me because of something they did that is illegal! Please HELP!!!
Product: Debt collection

HELLO, HAVE HAD MY CREDIT TOREN UP. 

WITH THE USA.EXPERERIAN.COM. 

FOR THE, XXXX  XXXX XXXX. 
CREDITOR XXXX XXXX {$930.00} OFF ACCOUNT INFO ACCOUNT NUMBER XXXX COLLECTIOM OPENED XXXX XXXX2019 TYPE FACTORING COMPA THERE TWELVE LATE PAYMENTS DO FROM THIS FACTORS. 

TAKE ALL FAULT REPORTS OFF MY CREDIT SCORE. 

THANK YOU. 

HAVE A NICE DAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act. The list of accounts below has violated my federally protected c consumer rights to privacy and confidentiality Under 15 U.S.C 1681. ______ has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an 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 items of information other then records of conviction of crime which antedates the report by more than seven years.

15 U.S.C 1681 section 2 ( A ) ( 1 ) a person shall not furnish any information relation 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

I provided letter a formal request to opt out of authorization for information sharing under 15 USC 6802, a statute governing the privacy of personal information. The letter included full name and account number, and requested the recipient acknowledge and confirm in writing that the sender 's information will no longer be shared with non-affiliated third parties. It emphasizes the importance of privacy protection and requests a prompt response from the recipient. I have already opt out w/ financial institution to not share my information. I have also submitted a complaint to Experian ( complaint # XXXX ). Thus far I have not had a response from Experian or XXXX XXXX XXXX
Product: Debt collection

I WAS CONTACTED BY XXXX XXXX ABOUT AN ASTOUNDING DEBT FROM AN HSBC CREDIT CARD. I WAS THREATENED WITH GARNISHMENT AND ADVERSE REPORTING TO THE CREDIT BUREAU. XXXX XXXX ALSO INFORMED ME THEY HAD SPOKEN TO MY BANKRUPTCY ATTORNEY AND VERIFIED THAT THE CREDIT CARD IN QUESTION WAS NOT INCLUDED IN MY BANKCUPTCY. NEXT, XXXX XXXX  INFORMED THAT BY OPENING THE HSBC ACCOUNT, WHAT I HAD DONE WAS ILLEGAL AND MY BANKRUPTCY WOULD BE VOIDED UNLESS I PAID THE THE {$600.00} PLUS DOLLARS THEY SAY I OWE. I CONTACTED HSBC AND VERIFIED THAT I DO NOT HAVE ANY OUTSTANDING ACCOUNTS WITH THEM AND XXXX XXXX WAS PROBABLY TRYING TO SCAM ME.
Product: Checking or savings account

Raising complaint to find out if I am eligible for any benefits as part of Wellsfargo consumer privacy suite settlement
Product: Debt collection

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely XXXX and Transunion. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.
Product: Student loan

My loans were transferred to MOHELA from the Dept of Education after applying for the Loan forgiveness program. I have tried calling Mohela prior to the start of the loan repayment begin date and I have never been able to get anyone on the phone. Ive tried calling in the morning, afternoon and evening. Doesnt make a difference. I have questions that Id like answers to that I cant find on any website. They have an announcement when you call or view the phone app or website about the increased volume but that shouldnt stop them from running their business. Its unfair for customers to not have access to a live customer service representative because the company hasnt planned well to accommodate the increased number of calls. I have written emails with no answer.
Product: Student loan

I received a form notifying me that my IDR recertification was due on, or before,  XXXX / XXXX /  XXXX  . My payments are due on the  XXXX  of each month and the payments are auto-debited from my checking account. My  XXXX  payment was withdrawn and applied on the  XXXX  as scheduled. Contemporaneously thereto, I submitted my recertification request, which was incorrectly processed by MOHELA ( i.e., the processor failed to see that the  XXXX  were included at the end of the application and improperly denied me  ).  I called to discuss after receiving the rejection notice. The customer service representative, "  XXXX  '', reviewed my application and assured me that it was complete. He indicated that he would resubmit it for processing, that the payment would be recalculated, and that I would be receiving notice of the new payment, which would begin on  XXXX / XXXX /  XXXX  .   Today, I received an email indicating that my payment was past due. I logged onto my account and realized that MOHELA must have recalculated my payment and retroactively applied it to  XXXX  without providing a bill or any notice.   This evening, I again resubmitted my complete application with the following message : You raised my payment without sending me a bill or any notice. My last bill showed that  XXXX  was going to be automatically withdrawn on  XXXX / XXXX /  XXXX  . It was withdrawn as scheduled. Shortly thereafter, I submitted my recertification application for the  XXXX  plan with signed tax returns for my wife and I. This was due on, or before,  XXXX / XXXX /  XXXX  . Nonetheless, it was wrongly denied as incomplete. I called MOHELA to discuss. I was escalated to a  manager  and spoke with "  XXXX . ''  XXXX  reviewed my application over the phone and assured me that my application was complete, but processed incorrectly. He advised me that it would be resubmitted for processing, my payment would be recalculated and that my new payment would be withdrawn on, or about,  XXXX   XXXX ,   XXXX  . However, today I received an email message that my payment was past due. It appears that my payment was recalculated and applied retroactively without providing me any notice. Tonight, I again uploaded my recertification for IDR, which was not due until  XXXX / XXXX /  XXXX  . Please correct this error immediately and ensure that I will be billed the appropriate amount of {$160.00} through  XXXX / XXXX /  XXXX  . Also, please confirm that my  XXXX    XXXX   payment will count toward forgiveness despite your servicing and billing errors.     For your convenience, I have again attached my recertification to this email. I will be contemporaneously filing a complaint with the CFPB as what you have done is an illegal billing practice ( i.e., changed my payment and applied it retroactively without notice ). Again, please call me to confirm that this is being resolved.
Product: Credit card or prepaid card

I received a bill from KOHL 'S card for {$240.00}. I never apply for this card and when I received the card, I did n't open or activated it. The card account # is XXXX. I think my identity info has been stolen and used my info to open the KOHL 'S card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

XXXX XXXX AUTO is currently showing 30 days late ( XX/XX/2020 ) in EXPERIAN. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Money transfer, virtual currency, or money service

I opened an account with a brokerage firm that turned out to be a total scam. They call themselves XXXX. I used PayPal for the deposits. XXXX apparently uses a company called XXXX to accept the deposits for them. When I requested a withdrawal they told me that they issue withdrawals in the form of refunds back to PayPal. I still havent received any refunds. They always give me some lame excuse and then put the money I requested to withdrawal back into their fraudulent worthless XXXX account and act like I got my money back. Complete fraudsters. So I ask PayPal to return my stolen money since they were used by this fake broker to defraud me. PayPal said Oh, we dont cover this kind of purchase. Okay, so that means that PayPal is knowingly doing business with a fraudulent company and helping them scam people. Pretty pathetic! I just want my money back that these crooks stole from me!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized and fraudulent accounts that has been opened in my name. I recently discovered these fraudulent accounts on my credit report and upon further investigation, it is evident that these accounts were opened without my knowledge or consent. Below are the details of the fraudulent account : Account Type : XXXXXXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Account Type : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I reviewed my credit report and noticed the presence of an account that I did not recognize. Upon further investigation, it became clear that these accounts were fraudulently opened in my name. I have never applied for any accounts and I have no association with these account whatsoever. In light of this fraudulent activity, I am requesting the following actions be taken immediately : Remove the account from my credit report : Ensure that this fraudulent account is removed from my credit report with all major credit bureaus. To assist in your investigation, I have attached the following documents : A copy of my identity theft report from the FTC. A copy of the police report. A copy of my driver 's license or government-issued ID. Please consider this matter with the utmost urgency. The fraudulent account is negatively impacting my credit score and causing significant distress.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$8.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$720.00} XXXX  - XXXX - XX/XX/XXXX - {$2400.00} XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$890.00} XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : The following inquiries must be removed from my credit report : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX || Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Account number XXXX This is not me