23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX Date : XX/XX/2022 RE : IN REGARDS TO THE FOLLOWING ACCOUNT XXXXXXXX XXXX XXXX  I XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Amount Listed on Credit Report : Dear : Equifax I, XXXX XXXX, am writing this letter to offer your credit department the one-time offer to settle the alleged amount due for {$140.00}. Please note that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. 

However, as I do disagree with the total amount owed I am willing to agree to settle this debt as a show of goodwill under the following circumstances : Report to all credit agencies that this debt has been paid-in-full or the equivalent best-case scenario to Equifax, Payment will be made to satisfy the payment made in-full under the Account ; This debt will be deleted from your records ; and There will be no mention of this debt or settlement to any third ( 3rd ) parties. 
If the above-mentioned items are able to be met I am willing to make payment on this debt immediately. I will only answer to an individual who is an official representative of this Company with the terms of this offer expiring at the end of thirty ( 30 ) days. 

Sincerely, XXXX XXXX
Product: Debt collection

I contacted Radius Global Solutions regarding a medical collections account from XXXX XXXX  XXXX on XX/XX/2020. There was an issue with insurance billing, and I was able to get XXXX to correct the issue and remove the balance on XX/XX/2020 and close out the account ( XXXX ). XXXX even sent me an email as proof that the bill was adjusted. XXXX originally emailed that I had to contact the collection agency to have them remove the debt from my credit reports. I contacted Radius Global, XX/XX/2020 and spoke with supervisor XXXX who told me that either XXXX would have to call, or I could get something faxed to XXXX to get account updated. I again contacted XXXX, XX/XX/2020 and the rep informed me that there was a 2nd account for me and as I waited, he reached out to his manager and she authorized him to adjust the account as well. The rep then told me that he was sending something over to Radius Global to get debt removed and he also emailed me something showing my account was updated to reflect {$0.00}. I called Radius back XX/XX/2020 and was passed around until I got XXXX, the supervisor, again. I explained that I am trying to get a mortgage loan and needed this removed immediately. I told him that the previous rep with Radius verified that the account had been recalled. XXXX verified that it was recalled but he could not get it removed from my credit report. I asked him if it made since that they would continue to report a collection that was XXXX out because it was a billing error. XXXX stated that he did not want to misinform me and have me saying that he told me something that was wrong. He stated that they dont normally receive calls requesting this, which I find hard to believe. But he said he would research and that I could call him back Monday and he might have some info. He said he would reach out to the department that does recalls. I do not believe XXXX was being honest at all. This seems to be an illegal practice for them to continue to report something that has been recalled by the original company. The account was the result of incorrect billing on XXXX part. I really need this resolved and the information removed immediately as I am trying to get a mortgage loan approved and this is holding up process.
Product: Student loan

I am reaching out to you as a borrower who has encountered issues related to the Public Student Loan Forgiveness ( PSLF ) program. My primary concern revolves around Mohela 's interpretation of a requirement that does not align with the legislative guidelines set forth for PSLF. 

According to my understanding of the legislation and the information available on the Department of Education website ( www.studentaid.gov ), borrowers are required to be employed at a qualifying employer when they make their 120th payment and when they apply for forgiveness. Nowhere in the legislative text or on the official Department of Education website does it stipulate that one must remain employed at that qualifying employer until the student loans are discharged. 

However, Mohela has conveyed a different interpretation, suggesting that continuous employment at the qualifying employer is a prerequisite for loan discharge. This contradicts the information available on the Department of Education 's website, leading to confusion and concern on my part. By all accounts, I have completed the requirements outlined by this program when I made my 120th payment and submitted my application on XX/XX/2023. 

Additionally, Mohela has asserted that their guidance on this matter comes from the Department of Education. This raises questions about the consistency and accuracy of information provided by Mohela, as it appears to conflict with the official guidelines from the Department of Education. In talking with various Mohela representatives over the past several months, I have also received inconsistent answers. Some representatives say I can leave my qualifying employment and some ( most ) say I can not. 

The miscommunication, inconsistency, and apparent misunderstanding of the legislative requirements have caused significant stress and uncertainty for me as a borrower seeking PSLF. I believe it is crucial for the Consumer Financial Protection Bureau to be aware of these issues and to intervene to ensure that borrowers are treated fairly and transparently. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and facilitating a resolution.
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 : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Debt collection

I activated a cell phone with XXXX. They assigned a number to me that was previously used by someone else. I have only given this new number out to one person : so anyone calling me is actually trying to reach the previous owner or is calling numbers sequentially or at random. Sequium has called several times, the most recent being XXXX at XXXX XXXX and XXXX at XXXX XXXX. They have been clearly informed that I am not the person they are trying to reach, but they continue to call. The telephone numbers shown by collar ID are XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues trying to resolve delinquent status with XXXX XXXX student loans. I have 3 student loans with XXXX XXXX and was always attending classes. While attending school, you are not forced to pay your student loans. On XX/XX/XXXXand XX/XX/2014, I was attending school like normal, but I took 1 class less than normal because I was in the process of moving. It was never stated to me, that if you take less than 4 classes you are considered " part-time '' and are forced to pay your student loans. I then moved to a new location and I never received any notifications that I was considered " part-time '' and had to pay my monthly dues for my student loans. I was still always enrolled in school and I did not have any due balance because while enrolled in school, you are considered to be a student and not pay XXXX XXXX student loans. On XX/XX/XXXX I noticed that XXXX XXXX was charging me for the months of XX/XX/XXXX and XX/XX/XXXX and since enrolled in school, I thought I did not have to pay, thus XXXX XXXX reported delinquent for 2 months for each of my student loans, which is 3 loans. So I received a total delinquent of 6 for the year! XXXX XXXX should of notified me, whether it was mail, or email regarding paying this loan because I took 1 less class then normal, it classified me as a " part-time '' student. There was no mention of this on the terms of the loan. Now because of this delinquent status, no bank allows me to obtain a credit card, or any loan! They should resolve this as this is effecting me as a student and my overall life due to a mistake that was not mine. Thank you.
Product: Mortgage

We fell behind on our mortgage because I had XXXX. I started the loan modificaiton process about a year ago. I submitted everything that was asked and was denied at first, then offered a repayment plan way beyond our budget, reapplied and was finally approved for about {$100.00} less than my original mortgage payment. I entered into the 90 day trial and made my first two payments on time. Right after I made the second trial payment with about 31 days left in my trial payment period I was called by my bank which is M & T Bank and advised that there was an issue with my title. They advised there were liens that needed to be cleared within the next 30 days in order for my trial period to be made permanent. We were unaware of these judgement 's but immediately reach out to clear. My single point of contact said that I was entitled to dispute them but given the short amount of time before my trial expired he did n't suggest it, he suggested I satisfy them. I was able to satisfy XXXX out of the XXXX immediately. However the attorneys for the debt collectors took almost 2 months to file the paper work with the courts and remove the judgements. The third judgement when I called I was played a recording by the debt collector stating that the judgement had expired and that if I spoke to them I would be assuming the debt and it would start over as if it was day 1. They also sent me a letter stating the same. I sent all of this information to M & T. I was advised by s supervisor names XXXX that due to the great documentation that I sent that she would stall the modification,, her exact words and that I should continue as I had been and keep making my payments which I did. I made my XXXX payment on time again and three days later they withdrew my trial modification and are attempting to put my house into foreclosure. I purchased my home in XX/XX/XXXX. I have only 5 years left on my mortgage and only approximately a XXXX balance on home that has been appraised at XXXX. I am no longer ill, both my husband and myself are working and we are trying to do EVERYTHING we can, everything we ask to keep our home that we have paid for for 25 years. I have been lied to by M & T, I have been railroaded and they are not willing to help me retain my home in anyway. I asked for them to add the balance to the end of the loan, refinance, a permanent modification, anything that will help and they absolutely refuse after I have done everything within my power to become back in good standing. Next week I will be going to the XXXX county court to try to get the XXXX EXPIRED judgement removed. That judgement is so old there is no attorney on file and I cant speak to the debt collector or else the debt becomes active again and its from XX/XX/XXXX. I do not even know that it is mine because I can not obtain proof of debt from the debt collector. I feel M & T is not helping me because of the large amount of equity in my home and that they are trying to sabotage me every way possible to take my home. Please help me and guide me in the direction I can take to try and get M & T to work with me and help me save my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months and this account still shows under investigation. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-day mark has come and gone without any response from their office. 
. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to pull my credit report from the three credit bureaus, my mortgage lender was able to successfully pull credit reports from XXXX and XXXX. He was unable to pull my credit report from Equifax, however, because it was flagged with a fraud warning. After calling Equifax on XX/XX/2022 to get it straightened out, I had to call two separate departments to verify my identity. One department could not help, but another could. The helpful department assured me that they removed their fraud warning, and it should be ok. My lender tried pulling my Equifax account and was still unable to do so. I called Equifax again on XX/XX/XXXX, and I was in contact with a manager. He claimed that my address or name was likely incorrect with my mortgage lender and to correct his mistake. After confirming with my lender that everything was correct and complete, he was again prohibited from pulling my Equifax credit report. After four business days and four separate unsuccessful attempts, he again asked me to call Equifax to release the information. We eventually spoke with XXXX XXXX employee XXXX ), who told us he was a manager with Equifax. He again told me there was no problem with my account, and there was no freeze on their end. Despite our best efforts to explain the severity and impact of the situation, he refused to help us in any way. Of course, our lender still can not pull a hard credit report. 
We dont know what else to do as the Equifax manager assured us he was the highest point of contact. We are extremely disappointed with the handling of this situation, and we have been put in a very difficult situation as we can not be approved for a home loan without this step. We have watched at least two houses go by without being able to put in an offer.
Product: Vehicle loan or lease

Well I got a loan in XXXX of XXXX for XXXX for my XXXX XXXX XXXX. I'm XXXX and had a part time job at XXXX XXXX XXXX XXXX. Made payments on time till covid hit. Got put on furlough then all the XXXXXXXX where let go for restructuring. I called and had to defer 4 payments which I was told would extend loan till XXXX was supposed to be paid off in XXXX of XXXX and was told XXXX would be paid off. Now there telling me that I'll have to pay an extra XXXX dollars more after XXXX payments and the extra 2 payments that I agreed too. I just don't know what to do I have been trying so hard to keep this XXXX together and waiting for XXXX to finally be free to put money into the XXXX I pay XXXX a month and just don't think it's fare to change what I was told. This was a national pandemic and I think it's unfair to charge that much. Is there anything I can do. Thank you for your time. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied from getting a XXXX credit card today XX/XX/2020 because apparently there are accounts and inquiries reflecting negatively on my credit report. I had no idea that these accounts and inquiries were on my report before today because none of them belong to me. The accounts are from XXXX XXXX XXXX XXXX XXXX XXXX and the inquiries are from several different companies. I do not have any written/verbal contract with any of the companies listed on this report nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not contribute to any payments made towards any of these accounts. I have already filed a police report regarding these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance on my Comenity Bank card has not been updated since XX/XX/2022 and still shows a balance of {$1000.00}. This account has been paid in full and should reflect a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Both Equifax and XXXX are extremely inefficient and user-UNFRIENDLY. If the user sets up an account with these credit reporting companies, they will not allow the customer to log in with password and user name set up previously. Then they require long hold times to speak with a customer representative. And before speaking with a representative the customer is REQUIRED to answer a plethora of time-consuming security questions going back DECADES which can not be bypassed and is still refused automated service!!! Finally the customer is THEN put on hold interminably for a live representative. 

WHO HAS TIME FOR THIS????? 

Because these credit reporting agencies are now central to the employment, housing and financial lives of ALL AMERICANS, they should be far, far more efficient and customer-friendly. 

XXXX is extremely efficient and always has been efficient and helpful, even before the internet. I was victim of ID fraud in XXXX and it was XXXX who helped me resolve the problem, which took two years ( while I was working two jobs and taking care of my father ) to resolve. 

Equifax and XXXX need to be fired or completely restructured so that they can fulfill their duty EFFICIENTLY FOR THE CUSTOMER. 

How working people in this country can apply for a simple loan mystifies me. It took me THREE DAYS to temporarily lift freezes with these credit bureaus for a tiny little {$2500.00} loan for flooring replacement. Can not IMAGINE what dealing with these companies for a home or auto loan ( or medical loan -- only in the backwards USA ) would entail. 

And I am retired. Do working people have to take sick leave ( if they have it ) or vacation time ( if they have it ) to get information from these incompetent credit bureaus? 

Both Equifax and XXXX customer service currently is unacceptable and should be shut down. They should be REQUIRED to restructure their customer service so that it is far more efficient and transparent and stress-free so that they can serve their customers seamlessly.
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 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 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 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

VIOLATION OF THE FCRA .. ( XXXX ) & ( CHASE BANK/JPMCB ) IS REPORTING UNAUTHORIZED HARD CREDIT INQUIRY ON MY XXXX CONSUMER CREDIT FILE.... TITLED... ( JPMCB CARD SERVICES DATED : XX/XX/year> )... IS IDENTITY THEFT NOT AUTHORIZED BREACH FRAUD HACKING .... XXXX AND CHASE FAILED TO REMOVE THE UNAUTHORIZED FRAUD ( JPMCB CARD SERVICES DATED : XX/XX/year> ) IS UNAUTHORIZED INQUIRY INFORMATION.SINCE ( XX/XX/year> CREDIT ALERTS REPORTS HACKERS MASSIVE XXXX CREDIT DATA BREACH EXPOSED CONSUMER FINANCIAL INFORMATION )
Product: Credit reporting, credit repair services, or other personal consumer reports

remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX off my report with monetary relief. That is not my driver license number. Or provide proof in writing within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I am currently having issues getting reports through all 3 credit bureaus. I feel like I have been breached through XXXX back in XXXX. All 3 bureaus have different scores from each other. When I am able to look at old reports there is Inquiries that I haven't made. Also, in XX/XX/XXXX I had to file a fraud to my bank ( XXXX XXXX XXXX XXXX ) and XXXX  because someone set up an account in my name through XXXX XXXX with a credit line and money loan and spent {$500.00} on gift cards through credit line and {$500.00} with a personal loan that went to a XXXX XXXX account. I did get reimbursed, but I feel like that's what's causing inaccuracy and problems now. Since im more involved in my credit report due to Medically retiring out the XXXX I have been running into problems like report info not being correct to Credit apps saying my info doesn't match the database. I also typed in my social to the XXXX settlement page and it does say I have been affected. I wish to see reports and info from XXXX and now too because I did get an alert stating my social, email addresses and passwords were leaked to the dark web. Sorry for all this info but I am pretty stressed trying to fix all these problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I saw a nice pair of shoes online and texted the XXXX page. He said right after I pay him he will send me a confirmation mail and mail me the shoes. Right after I paid the merchant he stopped responding to my texts and calls and isn't sending me any mail. Please help me with this scam .please look into it the date was today XX/XX/XXXX by the XXXX page called XXXX handled by this man called XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached out to the XXXX XXXX XXXXXXXX and they indicated that there is no record of the forementioned account.
Product: Student loan

Sallie Mae personal loan has been raising my student loans I been paying them off since I got to college XX/XX/2021, I currently couldnt afford college no more and had to drop out, I had emailed sallie Mae twice stating I couldnt afford the payments right now, I have too many bills and sallie Mae is affecting my credit,