23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loans were forgiven in full and my balances reduced to {$0.00}. This occurred back in XX/XX/, and I received a letter advising of the forgiveness in full dated XX/XX/. The balances on my account page via Mohela.com reflect {$0.00}, as does the balance on the Department of Education website, however, my credit reports with all 3 major bureaus ( XXXX XXXX XXXX XXXX XXXX ) still shows the full remaining balance of over {$19000.00}. 
The letter informing of the forgiveness very clearly states " We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. ", however, this remains to be seen. Per the bureaus, Mohela has not reported the balances of these loans since XX/XX/, effectively over reporting my outstanding debt to any entities pulling my credit report, resulting in a higher debt-to-income ratio, limiting available mortgage and rate options, increasing the difficulty of acquiring a much needed new home for my family. 
It has been impossible to get in touch with Mohela by phone ( I have waited hours on the line to speak to a representative to no avail. ) While on the phone, their system constantly refers one to go on their website for assistance, however, I am unable to make requests online, only referred to their " contact us '' page " due to the status of your account. '' A secure message option is displayed on their website, however, I am prohibited from using it with no options presented to proceed or send an email. 
This is unacceptable from an entity that was reporting monthly while I had a balance to go dark for over 3 months once that balance was reduced to {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information.

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections / charge off were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX XXXX Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.
Product: Debt collection

My information was sold to the collection companies and I did not give any permission for it to be sold. The amount is {$300.00}. I have no knowledge of this debt.
Product: Debt collection

Owe XXXX a debt of little over {$700.00} which is currently on my credit report. Received an alert on my credit that a company name Credence opened a new account. Contacted them to dispute it because I had no business dealing with them. They stated they are a third party collection for XXXX. Never received any documentation from them and now they are hitting my credit twice for the same exact thing. I asked them to remove themselves off of my credit being that I do not have any dealings with them and XXXX is already on the report. He stated that he understands and once I pay XXXX both will come off. They need to be removed asap and not able to just hit someone's report twice.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX and several creditors that obtained my credit report without authorization, and demanded to see any legit authorization from me. No one has provided any proof, not the creditors, not the credit reporting agency. XXXX, XXXX and XXXX should request to see proof that proper authorization was obtained to request credit reports. They admit that no documentation is required to obtain credit reports. This practice is fraudulent, illegal. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX - XXXX XXXX  Date Opened XX/XX/XXXXXXXX  Balance {$230.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXXXXXX  Balance {$4200.00} XXXX XXXX Date Opened XX/XX/XXXXXXXX  Balance {$220.00} **Inquiries** 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

not authorized inquiries on my XXXX  credit report
Product: Credit card or prepaid card

I have been affected by the current pandemic Covid-19 corona virus since XX/XX/2020. I called Chase in late XX/XX/2020 to request a forbearance because they did not have any plans in place to help customers until later in the month of XXXX. I was told i was granted for the term of 90 days, and my account was still in a good standing. It is now XX/XX/XXXX, which is still within my 90 period and they have terminated my forbearance and reported my account 60 days passed due. As i call to dispute this on a call with a representative named XXXX was very unhelpful and outright disrespectful and more interested in telling me how " They aren't obligated to reach out about the matter ''. I asked to speak with a supervisor and was told that my account was only 32 days passed due and not 60 as my credit report reports and the supervisor acknowledged and confirmed that my term should still be within the 90 days. The pandemic has and is still affecting my work as the lock down from XXXX for 3 months was extended an additional 3 months where i currently am.
Product: Checking or savings account

Transactions will disappear from my pending list and I will spend money that according to the bank says I have. Sometimes I forget a transaction here or there, so I rely on my online banking. Then, days later charges will reappear and post and send me into an overdraft. This has been a common occurance for months now and the bank refuses to acknowledge their role in this, making me pay huge amounts in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXXXXXX  to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 interested in deleting the items listed on my credit report Tha has been fraudulent an reported incorrectly. please delete an remove all listed items asap.
Product: Credit card or prepaid card

I need to know if I got my card sent to me and if I have any money on my account
Product: Student loan

I had all my loans under XX/XX/XXXX for almost 4 years, and then XXXX hits- all repayment pauses. After graduating from my educational program, I realized that have loans under the new plan " SAVE '' and a few other loans for some reason not under SAVE and in standard repayment instead. Called Nelnet and took 3 hours each time to get to the customer service. When asked why my loans are under different plans, they can not provide me an answer why and only told me that I can not change my plans under grace period. My interest is accumulating at the rate of almost XXXX per month. I really needed help. I had to re-applied for SAVE, and my application is already processed in XXXX XXXX, but until today ( XXXX XXXX XXXX ) Nelnet still says that my application is pending. Calling Nelnet has been a pain, no one is able to pick up calls and have to be on hold for 3-4 hours to get to speak to an representative. Even if I am lucky enough to speak to one they are not able to answer any of my questions. I think this is illegal/ incompetent if a financial institution is unable to answer my questions, that I can not communicate with about my repayment plans.
Product: Checking or savings account

I gave a {$1300.00} check to XXXX XXXX and TOLD the bank to HOLD the check. I told them on the phone with their XXXX number. they FAILED to HOLD the check saying some XXXX about the notes saying that the check was already cashed BEFORE I asked them to hold it. The guy on the phone was new, I could tell, and I asked him if they could waive the hold fee and he had to put me on hold and ask his boss. 

XXXX XXXX cashed the check and KEY BANK need sto REIMBURSE me and NO ONE IS CONTACTING ME. I HAVE CALLED THEIR Office SEVERAL Times chasing chasing chasing. THye need to REIMBURSE the XXXX NOW.
Product: Mortgage

DiTech sent me a special payment reduction offer. The offer required me to submit the paper work before XX/XX/2016. I submitted my paper work by fax on XXXX XXXX and sent a hard copy on XXXX XXXX, 2016. I did not receive the special offer I was promised. It is apparent that DiTech did a " Bait and Switch. '' This company is a, '' FRAUD. ''
Product: Checking or savings account

My payroll direct deposit should have gone through on Wedneday afternoon. I have a XXXX  and XXXX account my paycheck should have been directly deposited into. I should have received a {$400.00} deposit in my checking account and a {$600.00} deposit into my XXXX. I have called Capital One numerous times requesting when my funds will be available and was given no time frame for this issue to be resolved. I unfortunately live paycheck to paycheck and have no money because of this issue and am unablento pay my bills and even buy food. I have opened a case for both accounts but have not received anything on the status of either of my cases
Product: Debt collection

Date Assigned : XX/XX/2022 Amount : {$1100.00} I have never done any business with this collection agency, Im being extorted and scammed! Ive never had any business with them or signed a contract. I never gave any third party to report anything against me either or information. I dont know who this company is and this information is incorrect. My account with XXXX XXXX is active. I want these items removed off my credit report immediately.
Product: Credit reporting or other personal consumer reports

My credit was ran by a company I did not give my approval to, I do not or did not live at the address that was given in the credit application pertaining to this address which makes this inquiry fraud! If I didnt give the approval and the address is not on my credit report and I never lived at this address this inquiry must be removed.
Product: Student loan

In preparation for the resumption of student loan payments 2 days ago ( Wednesday XXXX ) I've been attempting, for 2 months now, to update my account to the XXXX Graduated XXXX XXXX. Initially I can only afford this low payment. I tried to update my account online, but this was not an option on ED Financial 's website. I first called on XX/XX/XXXX to find out what the issue was and to see if ED Financial could update my account manually so that I could enroll in auto pay. I spoke with XXXX on XX/XX/XXXX who assured me the account would be updated to reflect the initial monthly payments of {$130.00}. She said my account would reflect this update in XXXX business days. This would have put me at XXXX XXXX. I checked back with ED Financial, because again they don't allow borrowers to update their accounts on the website, on Monday XXXX XXXX, spoke with XXXX and then, because XXXX offered XXXX ' help, a supervisor, the following day ( XX/XX/XXXX ). The supervisor, XXXX, assured me that my request for the XXXX Graduated XXXX XXXX had gone through but requried XXXX business days to activate and become visible ( to me ) on the website. XXXX business days would have put me at XXXX XXXX [ so that i could enroll online in auto pay.. ]. XX/XX/XXXX rolled around and still no update. I called again, spoke with XXXX who again offered no help. Again I had to request to speak with a supervisor. Every time I've requested a supervisor ( which as of today, Friday XX/XX/XXXX, has been at least 5 times ) they require XXXX hours to call you back. As if the wait wasn't bad enough they call once, and if you're not available then you have to go through teh painful process all over again of talking with a XXXX who can't do anything. Since first reaching out to Ed Financial on XX/XX/XXXX I've spoken with the following indivuduals : XXXX, XXXX ( Supervisor ), XXXX, XXXX ( Supervisor ), XXXX, XXXX ( supervisor ), and more... I have stopped keeping track. I'm beside myself. I've been told twice now that my credit standing would not be affected since my account wasn't going to be updated by the XXXX payment start date since my account was still in the updating process. I've requested, from supervisor, emailed evidence that my credit standing would not be affected since I could not make the payment they still have published- {$360.00}. I am beyond frustrated at ED Financial. I am a nervous wreck that because of their inability to help me ( over XXXX months and countless phone calls ) my financial standing will be impacted. 

I am able to make the lowest monthly payments offered by the XXXX Graduated XXXX XXXX, and have been trying to make this happen, and enroll in autopayment for over 2 months now, but have gotten nowhere. I just want to start repaying my student loans and am able to do so. I know the situation has been fluid with the government 's loan forgiveness plans being repeatedly delayed and then ultimately shelved, but this is out of control. It feels fraudulent and I'm terribly worried about this whole situation.
Product: Debt collection

on XX/XX/XXXX I received a notification about a debt collector from procollect which the original creditor stated it was XXXX XXXX. As a result, I never lived at that complex let alone owe XXXX. I contacted the original creditor notifying them of the issue and I was told that I am not in their system and they don't have any records of me living there. As a result, procollect sent me a letter stating to provide identity theft information, police report etc. I DON'T HAVE ANY OF THAT FIRST OFF, I NEVER LIVED THERE, AND SECONDLY, THIS IS NOW 6 YEARS LATER, I NEVER KNEW SOMEONE GOT AN APARTMENT IN MY NAME AND NOW THIS CROOKED COMPANY IS TRYING TO MAKE ME PAY FOR SOMEONE ELSE 'S MISTAKES. I DON'T THINK SO AND I'M NOT SENDING IN NO DOCUMENTS THAT I DON'T HAVE BECAUSE I NEVER LIVED THERE SO IF YOU THINK YOU ARE TRYING TO SCAM ME OUT OF XXXX XXXX THINK TWICE BECAUSE BEFORE I PAY THIS RIDICULOUS AMOUNT IT WILL REMAIN ON MY CREDIT REPORT UNTIL XX/XX/XXXX. AND GUARANTEED THIS WILL NOT BE THE LAST COMPLAINT I MAKE I WILL MAKE SURE THE FTC COMMISSIONER KNOW ABOUT THIS CROOKED BILL COLLECTOR PROCOLLECT IS MAKING PEOPLE PAY FOR IDENTITY THEFT ACTIONS THAT HAS BEEN CAUSED BY SOMEONE ELSE.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inquiries on my credit report that I believe to be fraudulent. I have no association with the listed creditors and did not authorize these inquiries.
Product: Checking or savings account

I had a chase checking account about 15-20 years ago it was closed they never told me why and till this day I cant open a new account with them. If I owe money I will be willing to pay them I just want to open a chase bank account its the only bank thats convenient for me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Hello, I have a personal loan at Citibank and monthly payments are on autopay with the payment being authorized to be withdrawn from the savings account. I have been a week late with the payment and they went ahead and withdrew the {$570.00} from my checking account which they do not have authorization to do so and where I had my XXXX  XXXX  on and this unauthorized withdrawal made my XXXX  incomplete. I called their customer services and as I was relaying the information the representative kept stating she did not hear after I started making the complaint however this was not true as she heard me perfectly when I started the conversation. I also attempted to contact them via fax and no one responded. I may be late with the payments lately as I have been struggling financially however I have never stopped making payments. This withdrawal affected me and XXXX XXXX  greatly as it places us at risk of XXXX XXXX XXXX and also the little I had left, I could not use to XXXX XXXX XXXX. Citibank took advantage of their access to my checking account and withdrew the money without any notice. I need assistance with getting this money back as they violated our agreement to autopay from my savings account and they see all my accounts activities and all is about paying bills. Thank you for your assistance. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Hello, Chase does not have information on their website when promotional interest rate are going to end.They make you believe they do by having a link to it, but when you click you entered to a non-ending loop. I called and spoke with a representative and asked him to guide me through their website to see when my promotional ( money transfer to pay off another credit card ) was ending to avoid the payment of the high interest rate, and he said that information was not available on their website.Consumers should have the power and right to see this information on their website as well as you are able to see minimum payment due, balance, payment history, etc. I think is very wrong they don't put these information on their website, so people forget the due date of promotional items and end paying a high interest rate.The Bank is Chase Marriot XXXX, please do something about it. 

Thank you.