23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am having an issue with my student loan servicer, Mohela. I work for the state and have been on an income-based repayment plan for my student loans since early XXXX. I applied for the PSLF program in the middle of XXXX, and my loans were transferred from My XXXX XXXX to Mohela. I called Mohela several times between the middle of XXXX and late spring of XXXX to ensure that I would continue to be placed on the IBR plan and was assured that my plan would transfer over. I called again on XX/XX/XXXX to ensure that my account was on the IBR plan as I was still awaiting any information from Mohela regarding my repayment. I was told at that time that my account did not appear to be on an IBR plan but that the issue would be escalated and resolved before my first payment became due. I was also instructed that I did not need to reapply for the IBR program. On XX/XX/XXXX, I received a letter from Mohela saying they were experiencing a delay in processing my request, but that it would be processed. Last week I received a bill for {$1900.00} and was told that my account is on the standard plan. I was further informed that Mohela had canceled the request to evaluate my account to determine why I was not on the IBR. On XX/XX/XXXX, in an abundance of caution, I reapplied for the IBR program, specifically under the SAVE plan and my payment is set to be about {$430.00}. I called Mohela today to ensure that the application was received and was told that it was not. I then reapplied for the SAVE plan with a representative on the phone but was told that despite applying and despite my numerous phone calls the past few months, I am still responsible for the entire {$1900.00} bill due in XXXX. When I expressed concerns over my ability to pay, she told me they could place me on a forbearance, which will negatively impact my ability to apply for PSLF at the end of the 10-year period. While on the phone, I asked to speak with a supervisor and was placed on hold until XXXX XXXX. At XXXX XXXX, my call was disconnected by Mohela despite not being connected to a supervisor to try and address the issue. I am at a complete loss right now as I know I was proactive in reaching out to Mohela numerous times before they issued my first bill to ensure that I was placed on the correct plan, but instead, Mohela unilaterally chose to place me on the standard plan and is now saying I have 2.5 weeks to come up with over {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX  has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the charge-off and collection accounts. No changes were made. Below are the inaccurate items from my credit report : XXXX XXXX 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX HOUS XXXX Finance Consumer Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing a complaint against my former apartment complex due to numerous issues that have caused significant distress and financial harm. From the beginning, the apartment management exhibited poor communication, often not being in the office or taking calls. 
My primary complaint is a {$1700.00} cleaning fee charged after I moved out, which is more than my monthly rent. This fee includes charges for damages that were noted in my initial maintenance request form upon moving in, such as water intrusion, which were the buildings responsibility. 
Throughout my tenancy, I faced several issues, including : Unauthorized Lock Changes : The management changed my front door locks while I was at work without prior notice, claiming it was for inspections. This caused inconvenience as I had authorized someone to access my apartment, and they were unable to do so. Despite claiming they called me, I had no missed calls. They refused to provide a key to my authorized person, forcing me to leave work multiple times due to their in-person policy. 
Lost Rent Check : The management required rent payments by check, which they subsequently lost. They attempted to charge me again, stating I needed to provide a receipt. I provided the receipt, and they eventually found the lost check after searching their office. 
Early Move-Out Request Ignored : I requested to move out early due to these ongoing issues and spoke with the regional property XXXX, who initially agreed but then became unresponsive. I was forced to stay for the remainder of the lease, anticipating further issues. 
After moving out, I received the unjustified {$1700.00} cleaning fee. The new XXXX stated he could not assist as he was not present during my tenancy, and the regional property XXXX directed him to handle it, which he could not. 
These charges are illegitimate and have negatively impacted my credit, preventing me from obtaining anything in my name. I seek assistance in resolving this matter and removing these unjust charges from my record.I moved out XX/XX/year>. I requested to move out maybe XXXX
Product: Credit card or prepaid card

On Friday, XX/XX/XXXX at approximately XXXX EST, I got e-mail alerts stating that three transactions were placed against a PayPal-issued debit card. These transactions authorized bill payments towards XXXX XXXX XXXX ( I am a XXXX customer ), for amounts totaling XXXX, XXXX, and XXXX. I immediately called PayPal 's customer service department to report this fraud, and after being placed on-hold for THREE HOURS, I finally was able to reach a person who could directly work with my debit card account. The card was closed, and they said they placed a fraud alert on my account. However, I did not receive any follow-up e-mails or notifications - as promised - that they were actively investigating the fraud that occurred against my account. After not receiving any correspondence, on Monday, XX/XX/XXXX, I submitted a fax to PayPal 's fraud department detailing the incident as well. ( I also tried contacting PayPal through social media on Friday, XX/XX/XXXX to urgently get a hold of someone with no success ). 

Also on Friday, XX/XX/XXXX ( while on hold with PayPal ), I was able to file an incident report with my local police department in State College, PA reporting the theft. As my PayPal account is linked to my credit union checking account, I faxed a fraud alert to them on Sunday, XX/XX/XXXX. My credit union got a hold of me on Monday and issued stop payments to PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two bankruptcies are reporting incorrectly on my credit report and I have submitted disputes several times to have these incorrect public records removed. This is causing me undue hardship and repeated credit denials. XXXX and XXXX have correctly investigated these incorrect accounts and have removed the erroneous public records from my reports.
Product: Money transfer, virtual currency, or money service

I have asked the collection company to get this validated and they indicated they were reaching out to the company that was over a year ago, I want XXXX XXXX to validate this debt. If this was mine there should be something on their file with my signature. I want that evidence ASAP! this thing goes from collection company to collection company always with a new open date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from Transunion and XXXX credit bureaus that an account was potentially delinquent and when I went to research the alert it was for XXXX XXXX an account from a lender I know nothing about, never applied for, never heard of, and there was also an address on my report I was unaware of. After speaking with the credit bureau the address is associated with that account. My credit payment history is exceptional for several years and I deal with really bad XXXX  this has shot my XXXX  to the roof literally freaking out as Ive worked really hard to keep good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : PRIMARY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : PRIMARY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax in regard to a hard inquiry on my credit from a XXXX, XXXX XXXX XXXX, XXXX MD XXXX. I have informed them that I did not authorize that they are reporting something incorrectly and that since I did not authorize this its is against the FCRA as it was not for employment, credit, insurance or court ordered and I do not know what this is for. They have refused to remove something that I have informed them is incorrect and have put it back on the company that pulled this.
Product: Payday loan, title loan, personal loan, or advance loan

We have a court judgement from 2019. We have paid {$100.00} a month since but because of the interest we owe more today than we did last year and more than the original loan. The original loan was for {$3700.00}. The total now is {$5300.00}. We are just trying to get the interest to stop so we can pay the loan off. XXXX said to speak to XXXX the branch manager who can speak to XXXX the team leader who can make that decision but they say the debt collection lawyers are the ones who have the control. We go through this every year.
Product: Debt collection

I have paid the debt collection from the debt collection company XXXX XXXX XXXX and they agreed to remove from our credit report on Experian. However been it's been many weeks and they have not resolved it.
Product: Mortgage

I purchased my home in XXXX XXXX 10 years ago ) and have taken advantage of Refinance offers to lower the interest rates at least four times. The last time was XX/XX/XXXX to 2.75 % with XXXX Mortgage XXXX XXXX XX/XX/XXXXXXXX. The interests dropped again 6 months later and XXXX sent me solicitations to refinance. I bit the hook and began a VA IRRL Streamline REFINANCE. It was soon after I began the documentation that a MrXXXX XXXX XXXX decided that as a " woman '' I couldn't be a veteran and became difficult. We finally were SET to go to closing after THEIR Chosen Title company completed the so-called title search in XXXX. When I complained of the pushback, he pushed me off to one of their other companies FREEDOM Mortgage. So the process was STARTED over again in XXXX. The interest rates advertised were 1.75 %, 1.99 % and 2.25 %. As soon as they " spoke '' with me over the phone, they could only offer ME 2.25 %. However I kept getting their mailers that the rate was 1.75 %. I wanted the lowest rate available naturally. AGAIN I was denied. In the meantime, we move forward with FREEDOM to go to closing. Freedom decided that I ( A woman VETERAN ) could NO LONGER be eligible for a VA Refinance and decided to put my spouse XXXX XXXX XXXX XXXX on the note. This was an error and we could could not close in XXXX on the set date because of the erroneous paperwork. They promised to correct it and set a new closing date. They have called me THREE more additional times to CONFIRM a SET closing date of XXXX XXXX at XXXX at my residence. NO ONE SHOWED up. NO ONE called and As of XXXX XXXX, I do have have a REFINANCE loan which started with the Parent company in XXXX with XXXXXX/XX/XXXX. I believe I am being discriminated against as a FEMALE ( gender discrimination ) and racially ( as a XXXX female ) and as a Veteran. -- - This company has sold my information to others and I have been getting solicitons from other Mortgage lenders who " without my approval '' pulled a Hard inquiry on my credit report. This company XXXX XXXX also stated that on XXXX XX/XX/XXXX that my FICO score was XXXX which was NOT true for XX/XX/XXXXor XX/XX/XXXX My SCORE was XXXX and ABOVE for all three activities. Of course FREEDOM and XX/XX/XXXX claimed that they could NOT give me 1.75 % ( lowest rate ) due to my credit score which was an Excellent score. My score now is above XXXX ... There is NO excuse for this poor service and I believe this is HORRIBLE treatment. It is costing me more money and I need to be compensated.
Product: Credit card or prepaid card

I have four different promotional purchases through Care Credit. 
Transaction on XX/XX/XXXX was for a total purchase of {$880.00} and still has a balance of {$550.00} because Care Credit has not placed my {$200.00} per month toward this promotional purchase first. 

Instead they have placed my payment to a transaction from XX/XX/XXXX that was for {$3300.00} with a balance of {$1100.00} remaining that does not have a promotion ending until XX/XX/XXXX.

The transaction from XX/XX/XXXX has a promotion ending on XX/XX/XXXX so with Care Credit not applying my payment to the oldest transaction first they are fraudulently going to charge me {$380.00} in interest on XX/XX/XXXX that should not be due as I have paid over {$3400.00} since this transaction incurred and they have not paid off this transaction first. 

I believe this to be fraud and I have called Care Credit and spoke to XXXX Agent XXXX out of XXXX XXXX Michigan and she stated she can't do anything about it the system won't allow due to some regulations. This was not disclosed to me and I believe that Care Credit is trying to bait and switch customers with this practice. 

I want it evaluated and I need assurance that they will apply the payments to the oldest transaction first and assurance that this erroneous deferred interest charge will not hit my account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) and pursuant to the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ), I am writing to formally request the removal of certain information from my credit report. I am a victim of human trafficking, specifically debt bondage, and as such, the debt listed below falls under trafficking-related debt.

In accordance with section 605C of the Fair Credit Reporting Act ( FCRA ), I kindly request that you block and delete the following information from my credit report within four business days : Account Name : Department of Education XXXX Balance : {$79000.00} Enclosed with this letter, you will find documentation from an advocacy group assisting me due to my status as a XXXX XXXX XXXX, which supports my request for the removal of this information. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me when the requested information has been blocked and deleted from my credit report. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

They doubled my charge, I asked them to refund it and they told me to wait XXXX  days after complaining and then send me a check for another XXXX days, I think it's absurd because if next month they deduct XXXX installments at once without my authorization, I'll have to wait for them to send me my money back whenever they want.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this morning, and I have no idea how they got there. I check my credit report regularly, and this time, out of nowhere, there were errors. I even tried refreshing the page, hoping it was just a glitch, but the inaccuracies remained. Because of this, I'm asking for a thorough review of the documents I've submitted so I can finally stop worrying about this issue.
Product: Credit reporting or other personal consumer reports

XXXX, equifax and XXXX Bank have been notified to remove this item from my credit report due to false information and no legal evidence to prove validation of this account to me and the opened date is false/incorrect. Several disputes have given XXXX factual proof.