23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I noticed a credit entry for a MOHELA student loan on my XXXX report. My credit accounts were frozen but the student loan was still attached unimpeded. I never initiated a XXXX  and any contact with XXXX where the loan originated. I created an account with MOHELA and then saw the loan details including a phone number XXXX which is not mine. I contacted MOHELA and informed them of the fraud. They gave me XXXX names that I had never heard of ( XXXX XXXX and XXXX XXXX were contacts to the loan ). I also contacted XXXX XXXX XXXX to find that I had an account there that was frozen. When I finally talked to them, I started the account recovery process. I was told that the XXXX account had been created XX/XX/2023. A XXXX  was submitted to XXXX on XX/XX/2023 and accepted XX/XX/2023. The XXXX account was then frozen by using wrong passwords to block any changes. The email associated with the account/XXXX  was XXXX to me ( XXXX ). I then contacted XXXX and gave them the same information as above. They are working on it. I also traced the above phone number ( it is landline ) to a name and address in NY. I gave them that information as well
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a XXXX XXXX XXXX check in the amount of {$12000.00} made payable to me ( XXXX XXXX ) for an injury payment from XXXX insurance was stolen. Although the check had been endorsed to my XXXX XXXX XXXX XXXX account, had the account number and " for deposit only '' on the back of the check, the thief was able to replace my name with their name and address on the front of the check ; replace my signature on the back of the check ; however, the account number or " for deposit only '' was not tampered with. The check had already cleared when I became aware it had not reach my financial institution. According to a copy of the cleared stolen check that I obtained from XXXX it looks like the check cleared or was deposited on XX/XX/XXXX at a JP Morgan Bank. Even if the " fake name and signature '' on the check matched, what is the probability that the thief and I had the same account number???? A police report was filed and I have been working through XXXX to get the issue resolved. XXXX XXXX, my XXXX injury case manager that the process could take up to 90 days and that XXXX XXXX XXXX would contact me and send a package of information to complete for its investigation, initially told me. XX/XX/XXXX, I had not heard anything from XXXX XXXX XXXX so called and emailed XXXX XXXX. I asked for points on contact for XXXX XXXX XXXX at that time and was told XXXX XXXX would be the liaison and follow-up on this issue. This process was new to him as well and he was following the guidance of his supervisor. There have be intermittent follow-ups. My last update from XXXX XXXX on XX/XX/XXXX ; he stated that XXXX XXXX XXXX was trying to get the bank to make good on the check because it should not have been cashed and the outcome would be known on XX/XX/XXXX. I called ( left a voice message ) and e-mailed XXXX XXXX on XX/XX/XXXX after not being contacted with any new information. This lack of information has been occurring throughout and I have been very patient during this wait time. I asked for information on points of contact at XXXX XXXX XXXX, file number associated with this case and other information, as I needed to be much more involved and explore other options. I am very exhausted at this point. I spoke to someone in this office ( Consumer Financial Protection Bureau ) and told how to submit a complaint on line. If your office can help in any way, I will be most grateful. I was also told to contact the Georgia Bar Association to get the name of an attorney in my area. 
( Note : I think the check may have been stolen from my mailbox but am not certain. I send checks from my rental property to my bank that was as well and this has never happened ). I do not put anything of value directly in my mailbox anymore. Thank you.
Product: Checking or savings account

We received a letter from M & T bank postmarked XXXX, NY XX/XX/2021. The letter is addressed to our son XXXX and to us, XXXX XXXX and XXXX XXXX XXXX as guardians. 

The letter states that under provisions of the Patriot Act they will close our account because they are not able to identify us. The checking account in question has been open for more than 10 years. It is the account where our son, and his mother as Representative Payee, receives the monthly XXXX benefits. 

The letter claims they have made several attempts to reach us but were unable to do so. How? We received no correspondence by regular post or email describing what additional documents were needed. The lack of clear directions was the basis of our orgi We have exchanged emails with XXXX XXXX XXXX, Regional Vice President as recently as today and have made arrangements to complete signature cards for the savings account they claim to have opened.
Product: Payday loan, title loan, personal loan, or advance loan

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

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 have not authorized or participated in any transaction that would have led to this inquiries, and I request that it be removed and blocked from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I was contacted by Atlantic Recovery Solutions to settle a XXXX XXXX credit card account. I was advised I could make a pay agreement and when the account is paid in full it would be removed from all credit reporting agencies. The account was paid and settled in XX/XX/XXXX. It is still reporting on my credit report. I have disputed this many times as paid and it keeps coming back verified and never paid. I connected Atlantic Recovery solutions in XX/XX/XXXX ( XXXX ) advised would follow up with all 3 reporting agencies to have this removed. Then I was emailed another letter confirming debt was paid for my records. The following month in early XXXX still reporting on my credit report. I called all 3 reporting agencies filed another dispute gave them contact information ( name and phone number of direct person to contact ) sent them the PAID letter. On XX/XX/XXXX another letter from reporting agencies stating this is verified as accurate and it has not been paid. Another call ( XX/XX/XXXX ) to Atlantic Recovery Solutions ( XXXX ) spoke with " supervisor XXXX '' advised he is not sure as to why its reporting not being paid all his records show account is paid and it has correct account number listed. " XXXX '' then gave me the number to his " client to call and see if they have been contacted regarding any disputes. And they will contact reporting agencies to have it removed. Number given to me by " XXXX '' XXXX XXXX XXXX XXXX. Called XXXX XXXX XXXX and was not able to speak with anyone using the website on their voice-mail obtained number XXXX. Same message on previous line they are busy and call another day or go to website www.diversefunfing.com and someone will get back with me. Did not see were I am able to leave message to dispute a problem on website. This has been reporting incorrect on my credit for 2yrs. Contact anyone and having paid letter is getting me nowhere. I am moving in XX/XX/XXXX and I want this removed to assist in boosting my credit for a home purchase. 

XXXX
Product: Credit reporting or other personal consumer reports

My accounts with XX/XX/XXXX AND XX/XX/XXXX were never late! I have had exceptional payment history witHXX/XX/XXXXXXXX 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 in ( MONTHS REPORTING LATE ) 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. 

XXXXXX/XX/XXXXnever 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, credit repair services, or other personal consumer reports

This is my last Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any inaccurate information which were fraudulent within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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, credit repair services, or other personal consumer reports

I have membership with all three credit bureaus agencies Experian, XXXX and XXXX. Who allow me to dispute incorrect information on my credit reports. I pay Experian {$4.00} each month for credit plan, I pay XXXX {$4.00} each month for credit plan. I also pay XXXX {$24.00} each month for credit plan. I dispute student loan on my credit report that should be closed and not open. Because XXXX month ago I file complaint against XXXX XXXX XXXX XXXX. About me owing {$45000.00} in student loans. I feel I have been taking advantage. By me being XXXX man who was held back in not graduating with XXXX XXXX  degree. Who only borrow {$5000.00} student loans. It fraud. Something using to hold me back from accessing good credit.
Product: Student loan

On XX/XX/XXXX, I called Great Lakes Educational Loan Services regarding my Stafford Loans. Following a graduate in-school deferment - which ended in XX/XX/XXXX, with payments starting XX/XX/XXXX - I chose a " standard '' plan that would repay loans at a total monthly payment of {$620.00} for 120 months. When the CARES Act forbearance went into effect, I had a balance of {$54000.00}. I continued to make payments during the forbearance period, I reduced the amount of repayment to {$46000.00}. The monthly payment was therefore reduced to {$510.00}, which was reflected as of XX/XX/XXXX. However, upon making another payment on XX/XX/XXXX, the monthly repayment had reverted back to {$620.00} an the terms of the loan had changed from 120 ( 117 if you count payments I made before forbearance ) to 92 months. 

Great Lakes said to check on XX/XX/XXXX -- after the forbearance expired to check for an updated account view because as of now, the portal is not reflecting accurate information and they are unable to do anything about the change.
Product: Credit card or prepaid card

I had 2 credit cards with Genesis FS Card Services and both account are closed both are paid but one is still showing a balance this are the accounts. 

CB indigo card- XXXX Feb Destiny - XXXX I did not consent nor had the option to opt out of sharing of my information and under Pursuant to Fair Credit Act section 15 U.S.0 1681 ( a ) ( 4 ) '' Infringed Upon a Consumer 's right to Privacy '' section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.0 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a Federal Grand Jury ' or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer
Product: Student loan

MOHELA is my servicer, and they are showing the XXXX nonpayment as ineligible for XXXX purposes. They at one point dated a letter for XXXX, but didnt actually send the letter ( via email ) until XX/XX/XXXX saying I was on forbearence. I called that same day to explain that I did not want to be on forbearence and I wanted to be in repayment as the XXXX payment should count towards XXXX and I never needed a forbearence. My last payment should be XXXX, XXXX, which I paid this past weekend. Their system switched me back to forbearence on XX/XX/XXXX, which I again had to call and get them to take off. Now their system doesnt show the XXXX payment as eligible because I was on forbearence, a forbearence they forced me on that I never requested. They are going to mess up the timeline for my XXXX forgiveness and its not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not let me in my account. Sent them proof of me still cant get in. They dont want to process my dispute. Ive sent what they asked.
Product: Debt collection

There is a debt collection company called Jefferson Capital that has put an unpaid collection on my personal credit bureau. It appears that they are trying to collect on behalf of XXXX XXXX. XXXX XXXX has tried to do this to me several times in the past and can not show me where I ever had a past due or unpaid account with them. I had to call them on the phone and have even gone into their retail store but no one can show me this past due record. I believe someone fraudulently used my name because I was a past victim of identity theft ( I had some checks stolen from my apartment in 2006 ). However XXXX still can not provide this documentation even though they try to collect from me every 2 to 3 years for this fraudulent record. The last time I had a XXXX account was in 2006 and it was paid and closed. XXXX is trying to collect a phantom or fraudulent debt from 15 years ago! I have been out of work since the pandemic started and this is once again affecting my credit score. Also, it is the only derogatory credit that I have had in 20 years! Please have them cease this and remove the collection from my credit file. 

Thank you.
Product: Consumer Loan

XX/XX/XXXX i visited a Freedom Acceptance website ( Affiliated with Military Credit Services LLC ). The reason for this visit was to book a plane ticket to XXXX due to a family emergency I had. Shortly after my return home I was facing financial difficulties resulting in late payments as well as non payments. The company I company listed above filed for a Lien on my XXXX XXXX XXXX account using a court out of XXXX while I was XXXX, this occurred XX/XX/XXXX. The lien was placed on my account XX/XX/XXXX while I was preparing for the XXXX, this made it all the more difficult to dispute. I was unable to follow through with the dispute because I was in XXXX and the court that filed the Judgement was in XXXX. I realized the lien had been placed when I attempted to pay a cell phone bill and was unable to due to the bank account being frozen. While I was XXXX I noticed that my paycheck was significantly lower than It should 've been, this lasted about 6 months while freedom acceptance and military credit services were garnishing my wages ; all while my bank account remained frozen. My concern is that while I was attempting to contact this court and this company in XXXX I was unable to get a response. I would also like to know the legality behind a court filing judgement from another state, although the contract was signed in XXXX. The amount of fees I have paid from overseas as well as the extended financial hardship due to my bank account being frozen and my wages being garnished have taken an incredible toll on my family and I.
Product: Credit reporting or other personal consumer reports

[ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ] Subject : Request for Removal of Outdated Closed Account from Credit Report To Whom It May Concern, I am writing to formally dispute the reporting of a closed account that appears on my credit report. This account exceeds the reporting time frame allowed under the Fair Credit Reporting Act ( FCRA ) and should be removed. 

Account Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account Closed XX/XX/XXXX Account last reported Last reported XX/XX/XXXX Amount Owed {$4300.00} Payment status In Collections/Charge-off Remarks by creditor Profit and loss write-off Dispute resolved reported by grantor Dispute resolved reported by grantor Account Name : [ XXXX ] Account Number : [ LAST XXXX # XXXX ] Under the FCRA, negative information, including accounts that are closed, may only be reported for XXXX years from the date of first delinquency. Based on my records, this account was closed and is beyond the allowable reporting period. As such, it should no longer appear on my credit report. 

I respectfully request that you investigate this matter and delete this account from my report. Please find attached copies of the following documents for your reference : A copy of my credit report with the outdated account highlighted. 
Any other supporting documentation to confirm the account 's age and status. 
Please confirm that this account has been removed from my credit report within XXXX  days, as required by law. If the account can not be removed, I request a detailed explanation of your investigation and the reasons for continuing to report the account. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

In XXXX, MCM reached out to me threatening to sue for a debt that I had tried to tell them wasnt mine and was a result of my identity being stolen by my abusive mother. They didnt hear me, and only wanted the money. Scared of a lawsuit, I caved and set up a payment plan with them to avoid a suit. I have been making payments monthly for a debt that I did not create nor reap the benefits of. Now, I had a payment not go through due to my card being turned off overnight manually so that my account isnt frauded. On XX/XX/XXXX I spoke with account manager XXXX, who said that the payment would be retried overnight. When I checked with account manager XXXX later that day ( see screenshot below ), she said she wasnt sure and to wait until the next day to see if it would happen. That didnt happen, and my payment plan was voided. They have also been sending me conflicting emails about how much total is due, with varying amounts ( see images ). Their website is also misleading, showing that a payment posted after the failed transaction ( see image ). The amount of inconsistencies in this company as well as the lack of knowledge in its workers tell me all I need to know about it, and I have lost confidence that I can resolve this with them. The account wasnt mine to begin with, but I was afraid to be sued for it because my name is attached to it. The tactics they use are inhumane and wrong.
Product: Student loan

I had XXXX in student loans from my XXXX and XXXX  schools. These loans were through Nelnet, and I made XXXX in loan payments from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, I refinanced my remaining loans ( XXXX ) through a private loan servicer ( XXXX XXXX to reduce my interest rates. When XXXX announced the XXXX of student debt relief last year, I requested that Nelnet refund me the {$6400.00} worth of payments I had made before I refinanced my loans. They refunded me this amount, and I received a check for this in XX/XX/XXXX. However, I then saw that my balance with Nelnet went back up to XXXX. I called them, and they said they accidentally refunded me the full remaining account ( even though I only asked for XXXX and the remaining loan was refinanced and not my own payment ). I asked them to cancel it and they said they couldn't. I never received the check, although it was addressed to my name and current address. I called Nelnet monthly until XXXX, when they finally told me the check had been cashed in XX/XX/XXXX. Then sent me a copy of the check that was cashed, which was cashed with a forged signature for myself, and at a bank that I do not have an account with ( XXXX XXXX  ). I immediately filed a police report, but the police have not done anything to resolve this. Nelnet initially said there was nothing they could do, but after I threatened to get a lawyer involved, the submitted a form to the US treasury and said I should receive a " fraud packet '' from the treasury. It has been 2 months and I still haven't received anything and Nelnet says I just have to keep waiting. However, student loan interest resumes in 2 weeks and Nelnet still says I owe XXXX, and the interest will accumulate very quickly on that amount ( which I shouldn't owe ). I have asked Nelnet to provide a written statement that they will not charge interest while this is being resolved, but they won't do it. I am very concerned that I am going to owe additional money on top of the loans that I shouldn't owe, all due to Nelnet 's mistake ( and also errors with USPS allowing my check to be stolen because I have a locked mailbox, and at XXXX XXXX for allowing a XXXX check written to me to be fraudulently cashed ). This has also impacted my credit score, because I owe loans in 2 places now - the XXXX with Nelnet and the XXXX I refinanced with XXXX which I have been paying off. This has also taken a substantial amount of my own time and energy due to the mistakes of these companies.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized credit inquiries and asked that they be looked into for accuracy. These Inquiries remain on my credit report. These were not obtained with my consent. Please reinvestigate and delete immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and remove