23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for a Parent Plus Federal loan in the amount of {$17000.00}, and then cancelled it with my son 's college in XXXX XXXX within an approved timeline. I didn't need it and paid tuition with my own funds instead. On XX/XX/XXXXXXXX XXXX the college ( the XXXX ) sent me the confirmation with all the supporting documentation as proof of the Parent Plus loan cancellation. The loan was never disbursed and was promptly returned by the XXXX. On my Mohela account, the loan didn't show as canceled and continued to display a full amount of {$17000.00}. I've made a call to Mohela on XXXX XXXX XXXX at XXXX and spoke with XXXX of their reps. They told me they weren't able to see the cancellation and that I had to talk to the XXXX as they were the ones that had to cancel. I explained that I've been in contact with the XXXX and that they had sent me proof of the cancellation in XXXX and that Mohela had to process it. The rep said that they have had some delays but if the cancellation had been done, they'd process it before XX/XX/XXXX. By XX/XX/XXXX, my loan was till showing on Mohela. On XX/XX/XXXX, I uploaded all the supporting paperwork I received from the XXXX on Mohela 's website. To this day, it's still in the processing stage. I was also in an ongoing communication with the XXXX and received multiple documents and emails from them showing proof of the loan return. They also said that it appears that the loan cancellation had been stuck at the servicer 's level- Mohela 's - and that the ticket was created to speed up the case and it should all be resolved by the end of XXXX. On XX/XX/XXXX, Mohela sent me a message to my account mailbox with the repayment plan on this loan. My canceled loan is now in forbearance until XX/XX/XXXX. The repayment plan was generated on an undisbursed returned loan. I called Mohela again on XX/XX/XXXX twice and was put on hold. After an hour and a half of waiting time, no one answered the call. I emailed Mohela on XX/XX/XXXX, but have not received a response. There has been no resolution and/or any communication from Mohela since XX/XX/XXXX up to this day, XX/XX/XXXX. It has been 5 months. All the paperwork and communication screenshots are attached below.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I requested information about enrolling at XXXX XXXX XXXX  and subsequently applied to enroll in two classes. During the application process, I was offered a student loan to cover the cost of the classes. I accepted the loan and enrolled. However, after attending the first few days of class, I quickly realized that my full-time job would not allow me to dedicate the necessary time and attention to meet the demands of the coursework. The workload was overwhelming and unmanageable given my other responsibilities.

I immediately reached out to my counselor, both by phone and email, to request withdrawal from the classes. Despite my repeated requests, the counselor urged me to continue. I firmly explained that I did not have the time to successfully complete the course requirements. 

Several months later, I began receiving payment notices, and to my dismay, I recently discovered that my credit has been negatively impacted due to this " student debt. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX, AND I AM A UNITED STATES XXXX, XXXX  AS A CIVILIAN FROM THE XXXX XXXX XXXX. I AM WRITING YOU BECAUSE I HAVE PROBLEMS WITH MY CREDIT REPORT AS THEY ARE CLOSING ALL AVENUES FOR ME TO HAVE CREDIT WHEN I ALREADY PAID IN FULL ALMOST ALL CREDIT CARDS OWED. PLEASE SEND TO THE CREDIT BUREAU THE LETTERS, WHERE THE CREDIT CARD WAS PAID IN FULL, THIS XXXX  XXXX XXXX  WAS PAID PAID AS A SETTLEMENT DONE THROUGH XXXX XXXX XXXX AND MYSELF. 
XXXX XXXX XXXX ON XX/XX/2021. THE ONLY CREDIT CARD OWED TO XXXX XXXX WAS THE ONE ENDING XXXX, AND THEY HAVE 2 DIFFERENT ON MY CREDIT REPORT. PLEASE HELP!!
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed a fraudulent on my report XXXX XXXX XXXX XXXX XXXX XXXX this account is not mine and need to be remove remove from my account immediately. 
THANK YOU.
Product: Checking or savings account

Bank of America locked my account and closed it without notice. The problem is that I was in a car accident and I had deposited a check from my car insurance company XXXX in my account in the amount of {$13000.00}, the day before BOA locked it. BOA cleared the full amount of the check and then proceeded to lock my account and then close it on XX/XX/XXXX. I was told that I would be sent a cashiers check for the balance of my account in the amount of {$12000.00}. I was told I would receive the cashiers check within 5 to 10 business days. I called so many times after the given time passed & was told theres nothing they can do for 120 days and they have no way of tracking the check. 
** Meanwhile the collision shop is waiting for {$13000.00} payment for the repairs they have performed on my car for almost a month now. 

I was instructed to go into a BOA branch and speak with a manager. After speaking with the branch manager ( I also had the collision shop speak with the manager as well ) magically they were able to track the check. I was informed to call in 2 days later for an update. On XX/XX/XXXX I called BOA risk department & was told that the cashiers check was fraudulently cashed on XX/XX/XXXX at a XXXX XXXX XXXX in XXXX Va. I live in New York. I then proceeded to put in a claim for the stolen check. 
XXXX The urgency of this matter is that the collision shop is about to put a lien on my car & then it goes up for auction & a repossession on my credit. I am a single mother of XXXX and I work for myself. My car is my livelihood for me to conduct my business. 
I called multiple times & there has been no update to my claim since XX/XX/XXXX. Customer service has been very rude to me in the process & Iam trying to find someone who can help me with this matter. 
I was told yesterday by customer service that my claim has not been updated since XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting Act XXXX XXXX XXXX XXXX 15 USC 1681 Section 102 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Product: Debt collection

Any previous debts owed by me are time-barred in my state. The debts have been closed and removed completely from all three credit reporting agencies. Therefore this collection agency/company should no longer contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

it's been 90 days since my first request and this company keep reporting inaccurate information in my credit report.
Product: Checking or savings account

I called Synchrony Bank on XX/XX/21 to close a CD. I was told it would take 3-4 days before the account could be closed. I challenged this delay, but got nowhere. Three days later, I got an email saying my account was closed and the money had been transferred. But when checking my other bank account at another institution, the money was not there. My money had NOT been transferred. So, I called Synchrony again on XX/XX/21 and was told it would be 3-4 days before the money could be electronically transferred to my bank. I told them they lied when they originally said it it would take 3-4 days to get the money. They deliberately hold on to other people 's money as long as they can. These people are XXXX crooks!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charge off Account Under the Fair Debt Collection Practices Act ( FDCPA ) in MD, the Internal Revenue Code Section1099-C & 15 U.S. C. 1681 ( XXXX ) Dear XXXX XXXXXXXX, I am writing to formally dispute the debt collection of this Charge off account [ XXXX ]. I have this debt being reported on my consumer report. This debt is reported as a Charge off and under IRS code 1099-C once a debt is charged off its considered income and can not be considered a debt. Also according to XXXX XXXXXXXX under the Fair Debt Collection Practices Act ( FDCPA ) ( a ) Within XXXX days of the debt collectors first contact, he or she must send you a written validation notice telling you the amount of money you owe, the creditor to whom you owe the money, and what to do if you believe there was a mistake and you dont owe the money. I did not receive a notice from XXXX XXXX with this information. Additionally, under Code 1099-C, creditors are obligated to issue a Form 1099-C when they cancel or discharge a debt of { {$600.00} } or more. Lastly per U S C 1681 ( e ) ( b ) Disputing Capital One 's reporting using 15 U.S.C. 1681 ( e ) ( b ) necessitates a careful examination of the reported information. The provided details reveal discrepancies across the XXXX major credit bureaus, XXXX, TransUnion, and XXXX, regarding the date account was opened, reported, last activity, last payment and payment history. While the Fair Credit Reporting Act ( FCRA ) mandates accurate reporting, inconsistencies such as differing payment history raise questions about the accuracy and completeness of the reported data. Furthermore, discrepancies in balance information & date last verified among the bureaus undermine the reliability of the reported data. Therefore, under 15 U.S.C. 1681 ( e ) ( b ), XXXX XXXX did not provide accurate information to ensure compliance with FCRA standards and to safeguard my consumer credit rights. I have attached my consumer report dated XX/XX/year>. There are many inaccuracies such as the OPENING DATE OF THE CARD, THE LAST REPORT DATE, DATE OF LAST ACTIVE, LAST DATE VERIFIED, DATE OF LAST PAYMENT, HIGH BALANCE, & PAYMENT HISTORY these things are inaccurate across all three consumer reports. I am disputing the validity of the debt on my consumer report due to lack of validation of debt according to XXXX XXXX Federal Debt Collection Practices Act ( FDCPA ), inaccuracies on my consumer report according to 15 U.S.C 1681 ( e ), & the Internal Revenue Code Section 1099-C, once a debt is charged off its considered income and can not be considered a debt. As a consumer, I have the right to receive accurate and comprehensive information about any alleged debt. Given the aforementioned reasons, I demand a deletion/removal of this account [ XXXX ] immediately with XXXX XXXX violating MULTIPLE violations of my consumer rights.
Product: Credit reporting or other personal consumer reports

I sent disputes to Experian consecutively last year in XXXX, XXXX, XXXX, and XX/XX/2023. I have been disputing this for a very long time now, but the credit reporting agencies fail to provide me the description or method on how they verified this account. They are reporting items on my credit report that are not 100 % accurate. The information that they are reporting is defaming my character and these allegations have effected my life. I can not get approved for a home loan, credit cards nor a car loan due to the false information. 

This is the account that is not reporting accurate : XXXX ACCOUNT XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We applied for a mortgage on Friday. Monday morning we are getting 10 calls an hour soliciting us for mortgages. One company was XXXX XXXX. He told us he got our information from TransUnion. How is it legal that TransUnion so mod our name and cell phone to other brokers? 
We called TransUnion and spoke to the supervisor in charge at a call center and he was completely unhelpful. All he kept saying was that we should purchase credit watch services to protect us against leakage of our credit information. It was infuriating as we were told it was TransUnion that leaked it. He could not understand why were upset and we ended the call with no resolution, instead filing this complaint.
Product: Credit reporting or other personal consumer reports

I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Credit reporting or other personal consumer reports

Under 15 USC 1692 ( c ) Ive demanded this company to cease and desist and they refuse continuing to violate my rights causing harm. This company charged off an account which clears a debt but still reporting a pass due amount which is IRS violations. I also ask this company to send a debt validation letter under 15 USC 1962 ( g ) the company also violated the orders of the law. Under 15 USC 1681 ( a ) permissible purposes and section 605b this is identity theft and security fraud along with the Hobbs Act
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I am disputing the following accounts that have been incorrectly reported under my credit file. If these accounts can not be verified with legal proof, they must be permanently deleted from my credit report. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 609 Request : I demand full verification of these accounts, including all supporting documentation proving my legal obligation. If no such documentation exists, you are legally required to remove them under 15 U.S. Code 1681g. 

FCRA Section 611 Request : Under 15 U.S. Code 1681i, you are required to reinvestigate and correct any inaccurate information within 30 days. If you can not verify the accounts, they must be deleted from my report immediately. 

Failure to comply will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and possible legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act AUGUSTA COLLECTION AGENCY XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on my credit report. Accounts does note belong to me. FTC violation. 
name ID # XXXX does not belong to me. 
Social security does not belong to me. 
phone XXXX does not belong to me. 
adress ID # XXXX does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$2600.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$4000.00} does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$1600.00} does not belong to me. 
XXXX XXXX XXXXXX/XX/XXXX {$5500.00} does not belong to me. 
XXXX XXXX XXXXXX/XX/XXXX {$5000.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$640.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$3800.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$10000.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$7100.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$3200.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$51.00} does not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX Original creditor : XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear Paramount Recovery, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

They improperly sent delinquent payments to the credit bureau 's. They misplaced the modification forms and blamed me for not keeping these forms in their system. After, I resent the forms to them, they still sent information to credit bureau that my account was past due. This info was sent on XX/XX/XXXX and XX/XX/XXXX. The account is current not pass due at all. There is also a Grid code 1 that needs to be corrected. This effecting my credit as it has dropped XXXX points as of today. I am in the process of purchasing a home and it is effected by their mistake. I have contacted ACA several times and they assured me this issue will be taken care of. Meanwhile, they are still sending " late payments '' to all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was fraud and reported to the police department which ive provided police reports i also notified Aspire credit card and the Fraud supervisor agreed to remove this account Asap. Also XXXX XXXX bank which XXXX credit cards was maxed out and charged over the limits in my name please delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX SC XXXX ; Medical XXXX Balance : {$35.00} ; Medical XXXX Balance : {$33.00} ; Medical XXXX Balance : {$35.00}.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX  XXXX Account Name XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The mortgage company is denying me to solve my problem with them. They are not communciating with me or will they give the attorney any information on why they deny me, even after the attorney asked them for a reason, they would " NOT give the attorney a reason.