23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My XXXX XXXX payment for XXXX was due XX/XX/year>. I made a XXXX XXXX payment to Mohela on XX/XX/year>. The payment was withdrawn from my bank account on XX/XX/year>. Between ~XXXX XXXXXXXX through XX/XX/XXXX, Mohela transitioned their online system to a new platform. On XX/XX/year> I received an email from Mohela stating that I missed my XXXX payment. I logged into their new site and it shows me as having missed my XXXX payment and delinquent. I called Mohela on about XX/XX/XXXX to discuss and they were able to find the payment but said that their system needs 30 days to update. Its been beyond 30 days and nothing. Im in the XXXX XXXX XXXX XXXX XXXX and XXXX was my XXXX payment. Im unable to make my XXXX payment ( what was suppose to be my last payment before forgiveness ) without it being applied to the past due balance. Im also worried about being reported to the credit agency. This is unacceptable and would be unacceptable in any other industry.
Product: Mortgage

When I purchased the home at XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX on XX/XX/XXXX, the house was overpriced and divided into XXXX mortgages. XXXX of them was an adjustable rate loan of {$290000.00} with an interest rate of XXXX. The other loan is a balloon note for the amount of {$73000.00} with an interest rate of XXXX. 
My present rate under the American Servicing Company ( Wells Fargo ) is presently 7.250 with the majority date of XX/XX/XXXX with a monthly payment of XXXX with an unpaid balance of {$270000.00}. On the balloon note, the present outstanding balance is {$66000.00} the current interest rate is 11.450. Monthly payments are {$720.00}. 
I have tried on various occasions to have this refinanced, and it has been impossible. 
In as much as I wanted to be the cosigner for my daughter and her husband at the time. My wife and I ended up being the buyers and they told us that in six months that would change. It never happened. 
I need help! 
Thank you. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Product: Credit reporting or other personal consumer reports

This started back in 2021. I called multiple time and they could seem to realize what the issue is. It came down to them saying I had a split account. They deleted my old account i had to create a new one. Fast forward and its back doing the same thing. There is no notice of outage or anything. It stopped working last year.
Product: Credit reporting or other personal consumer reports

Something is on my credit that I have no knowledge of.
Product: Credit reporting 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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX and Account # XXXX XXXX XXXX XXXX XXXX have 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
Product: Checking or savings account

I was XXXX  in XXXX  for like 11 months XXXX of my money was taken and it was unauthorized transactions made not by me. What happened was XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX my phone was taken because it was on the ground. It was then accessed to steal all my money. I never gave anyone my phone pin. I went back to XXXX  without my phone. I had my debit cards on me. So I submitted all the information chime asked for then they denied my claim. Im just now seeing why they denied it. Mistakes on there end. I sent chime letter of incarceration dates XX/XX/XXXX to XX/XX/XXXX. Also I immediately filed fraud because two different police stations said that I had to report it to fraud with social security I couldnt file a report so I did. On that letter of XXXX  I see chime has white out some of the words on the letter. This isnt how it was submitted. Also I sent them screenshots showing the person that did this. It was my ex girlfriend that stole my phone I showed them screenshots how she transferred from my chime account to my XXXX XXXX  account then sent it to her XXXX XXXX. Chime acted like it wasnt enough evidence and denied my claim for nothing. I did exactly what they ask also on this intake form they made they put mistakes on it saying I didnt have debit card and also saying I didnt show enough proof. Im very upset with chime I will never put to much money in that bank ever again because they dont like to pay back people who deserves what is right. Here it is like 2 to 3 years later Im finally seeing what chime said on the intake form there reports about it and they lied and made mistakes. I need my money back. They need to be shut down or sewed. Also chime claimed I didnt show them any documents I sent screenshots from XXXX XXXX and everything they arent even showing.
Product: Student loan

Navient will not help me when it comes to my student loan from the XXXX XXXX in XXXX. I believe I did qualify for the Navient forgiveness, but they are telling me otherwise. My loan has been in delinquency before and there were years where I wasn't making any payments. They told me the longest my account was in delinquency was 157, 13 days away from the 170 day requirement. 

I took a look at the history of the loan and went over it with somebody from customer service on XX/XX/XXXX. Every time I asked about the missing gaps of time on my account they couldnt give me a straightforward answer and deflected to the dates that were on file. Where are these missing years? Why isnt it on my file? 

Currently, my loan over is XXXX dollars, mostly from accumulated interest. My interest rate is almost 13 %. I was steered to go into forbearance multiple times thinking it would help me out. In the long run, once Navient doesn't let you sign up for forbearance anymore, it drastically has a negative impact on your credit score. Had I known that, I would have never signed up for it. I felt coerced once my credit scorXXXX took a plunge.
Product: Money transfer, virtual currency, or money service

I want to express my concerns for how Zelle has handled disputes over the years, in light of the recent CFPB lawsuit. I have been an avid Zelle user and when I was with a different bank a few years ago, I was told by my bank there was nothing that they could do when I reported a discrepancy. I later worked for a bank and learned and saw even more how lost funds were not adequately investigated, and what had happened to me happened to many of the customers who called me for help with these discrepancies. I had been trained to inform customers that it was impossible to recover the funds. the CFPB 's findings indicate that Zelle has neglected to protect consumers and our hard-earned funds.
Product: Debt collection

Dear XXXX on credit report - Date of First Delinquency : XX/XX/year> - Current Status : open as collection - Amount : {$630.00} I have no record of any financial dealings with IQ DATA INTERNATIONAL and PROGRESSIVE MGMT SYSTE, and I believe that this entry is inaccurate. As a responsible consumer, it is crucial for me to maintain an accurate credit history, and this discrepancy is causing significant concern.

Please provide written confirmation once the removal is complete and inform me of any actions taken. I understand that, under the Fair Credit Reporting Act, you are requiredI am writing to dispute two accounts that appear on my credit report. After reviewing my credit report, I have identified the accounts listed under IQ DATA INTERNATIONAL and PROGRESSIVE MGMT SYSTE that I have no knowledge of, and I request these two accounts to be removed from my account, because I do not have and I havent had any business with IQ DATA INTERNATIONAL and PROGRESSIVE MGMT SYSTE. I called to dispute these two accounts but it seems that nothing has been done.

Details of the disputed account : - Creditor 's Name : IQ DATA INTERNATIONAL - Account Number : No Account Number on credit report - Date of First Delinquency : XX/XX/year> - Current Status : open as collection - Amount : {$2800.00} Details of the disputed account : - Creditor 's Name : XXXX XXXX XXXX - Account Number : No Account Number to investigate my dispute within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute.
Product: Credit reporting or other personal consumer reports

erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company does not have permissible purpose to furnish anything on my credit report I'm requesting a forward flow agreement or better knew as a purchase agreement if these document is not produced this account shall be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

This loan was open at Wells Fargo Bank without my consent and my signature and i did n't approved or apply for this loan, and Wells Fargo is saying that i open this loan and that the loan was been paid by me from my acct.
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. 

Here are XXXX XXXX that I didn't authorized : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX For Equifax please remove XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 Section 602 A- States I have the right to privacy. 15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( XXXX ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

SUMMARY : I was only told about an expensive " monitoring and locking '' way to protect my account and was NOT told about the much-less-expensive option of freezing my account. I had to call back, escalate the call to a supervisor and then argue with the supervisor before I was given information about my option to " freeze '' my credit. DETAILS : On XXXX XXXX, 2016 I contacted Equifax to find out what steps I could take to protect my credit after I learned that someone had applied for a credit card in my name. I was told about XXXX services : ( 1 ) a fraud alert which advised, but did not require, creditors to inquire further about identity of the person seeking credit and ( 2 ) a " LOCK '' that would cost me $ XXXX/month or a discounted rate of {$120.00} for the year. I was also told that this was refundable if I chose not to continue it. I chose the yearly amount and authorized a payment of {$120.00} on my credit card. When I contacted the other XXXX credit agencies, however, I learned that I could " freeze '' my credit account with them for a one-time fee of {$7.00}. Therefore, today ( XXXX XXXX, 2016 ) I called Equifax back to find out if they offered this same process ( and why I ended up with a much more expensive charge from them yesterday. ) The first representative I spoke with insisted that they only had XXXX ways to help me : ( 1 ) the monitoring and locking service that I had purchased or ( 2 ) a locking only service that was $ XXXX/month. I explained to her several times that at the other XXXX agencies I had been offered a " freeze '' for {$7.00} a month. She said they did n't have that service. So, I asked to speak with a supervisor. He also began the call by insisting that these were the only XXXX services they had. He repeatedly listed the monitoring advantages of these XXXX services, which I told him I was n't interested in. I only wanted to lock/freeze my credit so no one could access it unless I unlocked/unfroze it. Finally, he told me that they could do a freeze, too, but I would have to do it on line and that he could not help me with that. He also told me that they would not refund the whole amount I had paid, even though it was only one day since it was purchased and in spite of the fact that I had purchased it only because the Equifax representative did not provide me complete information. Instead of refunding the full {$120.00} they would only refund {$110.00} and it would be another month before that refund was made. 

Equifax has withheld information about a widely-available protection ( freezing my account ) in order to force me into a position of purchasing a much more expensive service which I did not want. It was only when I spoke with the third representative ( and only after I questioned him at length ) did he finally tell me about the option of " freezing '' my account -- information which the other XXXX agencies had readily offered and easily processed for me. This indicates a systematic withholding of information that would have been beneficial to me as the consumer.
Product: Debt collection

Received a letter dated XX/XX/year> with this as the only text in the body of the message ( quote ) : > We are pleased to offer you an opportunity to resolve your debt with a substantial discount of 75 %. We are willing to accept a one-time payment of {$400.00} to consider the above listed account ( s ) as paid in full. 
> > To take advantage of this offer, we request that you make the payment within 30 days from the date of this letter. Upon receipt of your payment, we will consider the account ( s ) resolved, and no further collection efforts will be pursued against this debt. 
> > To pay by credit card or using your HSA or XXXX XXXX XXXX XXXX, go to the following website : XXXX XXXX XXXX. You may also contact us by phone at ( XXXX ) XXXX to pay by credit card or check-by-phone. 
> > This communication is from a debt collector and is an attempt to collect a debt. We may charge {$35.00} for a returned check. We are not obligated to renew this offer. 

( end quote ) This debt was already paid in full, and is not owed to the collector. No information about how to dispute this debt, or that the debt could be disputed at all, was provided. The website listed only offers buttons to submit payments on the total claimed balance ( not even the " one-time payment '' listed in the letter ).
Product: Mortgage

In XXXX XXXX  a letter was sent to me stating that my escrow payment was increasing by a large amount that was not justified by property tax or insurance increases. I called the company in XXXX and asked why such a large increase. I was not given an answer and I asked for a supervisor. When the supervisor came on the phone, she stated that they have the right to increase it and would not give me a Justifiable reason. I told her my property tax and insurance did not increase by that much to Justify such a large increase in payment. She ended up hanging up on me without giving me a reason for the increase. I have tried to call them back and have not gotten any returned calls from management as requested. I can not afford the increase. They have increased it every year Ive had them. They increased it a large amount last year and did not give me a reason. Now this year they increased it even more. They are increasing my payment to make my mortgage unfavorable because my interest rate is so low. Thats why they push refinancing which is not an option at this point. I should not be forced to refinance by a company that just keeps increasing my mortgage payment every year to make it unaffordable.
Product: Debt collection

0n XX/XX/2019, I received via mail a demand letter requesting I pay almost {$7000.00} in medical bills for the treatment of my XXXX XXXX XXXX son who was in a traffic accident. I have no idea where this came from as my son 's insurance is under his mother ( my ex wife ).
Product: Credit reporting or other personal consumer reports

I recently took a look at a copy of my credit report and realized that there was some fraudulent accts on my account please remove immediately
Product: Mortgage

The mortgage service provider ( SP Servicing ) has failed to remove private mortgage insurance ( PMI ) from the loan while overcharging on their escrow calculations. Furthermore, the service provide has refused to remove the escrow account. XXXX requests were in accordance with Federal and State of Texas law. The service provide has also paid of home insurance XXXX on separate occasions, and failed to pay on time on another.
Product: Money transfer, virtual currency, or money service

XXXX XXXX  stole my entire income for the year and Insurance check to fix the house. I went to the bank to cash my checks from selling my corn, my soybeans, my calves and insurance check to fix the house. The woman at the drive up, took my checks and then notified the manager manager told me she would not give me my money and told me that the egg loan officer told her to do so this loan officer ref to respond to my emails and phone calls his supervisor Refused to respond. Finally, I was contacted by the regional XXXX loan officer, which she mocked me flat out lied and then ignores me.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company just swooped in to add me in their frivolous claims that I owe them when I never had business with them. After careful investigation, I found that KikOff is a company that reports fake credit of the amount of {$2500.00} on individuals credit report for a fee. This service a scam to manipulate the real credit scores of unworthy individuals so that they can get credit extended to them by creditors. The address they have on file for me is a address that I was never associated with and the email address used was also a email address that I wasn't affiliated with. I am a victim of fraud, and my information was stolen along with my purse. The person that stole my purse has opened several accounts in my name. I've been fighting for years to fix my credit. I need this fake account removed from my credit profile immediately. Here is my police report number is XXXX the detective that handled the case is Detective George of The Miami Police Department. His direct line is ( XXXX ) XXXX. This information and a affidavit of identity was sent to KikOff support on XX/XX/year> and they been ignoring me ever since and never replied to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent them numerous documentation to prove the errors that exist on my credit profile but to date they have not corrected any items on my report. They allowed fraud to be placed on my profile now its hurting me financially as I am not able to obtain employment as of a direct misrepresentation and errors on my credit profile. Moreover, they have allowed a credit collection company named National Recovery to place erroneous credit information on my report. I've never signed an agreement with this company nor do I owe them anything.I believe their actions are criminal at this point and I am willing to testify in any court of law to that fact.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( Experian and XXXX ) consumer report, and I noticed that it is reporting my experience with those companies. I repeatedly contacted XXXX and the have yet to delete these illegal reporting.
Product: Bank account or service

I went through drive thru at my bank Whitney Bank on XXXX XXXX and XXXX XXXX XXXX XXXX, LA to make a deposit. Then decided to cash a check in the drive thru lane rather than go around to ATM machine. The teller informed me that my account did not exist. I have many accounts I sign on. I can not state how upset i became since my pension and social security checks go to this account. I had to leave to pick up my grandson then go back to the bank park and go in to see what the problem was. The teller inside the bank had no problem finding my account. I reported the incident to an assistant manager and wanted an apology from the drive thru teller which i did NOT get.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX