23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I switched from the PAYE plan to the SAVE plan. MOHELA only put half of my loans into an administrative forbearance. The other half still had a payment due under the PAYE plan. I tried to reach MOHELA by phone and by email and could not get through. All of my loans were then put on the SAVE plan, with a payment more than 30 % lower, and MOHELA still took the higher payment from me through an auto debit system that would not allow me to cancel the payment. They continue to fail to answer my customer service inquiries. In my view, MOHELA has essentially stolen money from me in this way, because the SAVE plan would have otherwise resulted in forgiveness of the interest that wasn't due, and they miscalculated my payment.
Product: Vehicle loan or lease

On XX/XX/XXXX I financed a vehicle through CNAC in house finance for Byrider. I had to put XXXX  down for the XXXX XXXX XXXX and starting XX/XX/XXXX I had to pay XXXX. I've paid them XXXX, XXXX so far via my debit card not knowing that the vehicle had title issues in Louisiana. I was given the run around for months by Byrider and they kept issuing temporary plates but no solution. They stated they didn't have a vehicle of equal or greater value to provide me. As of XXXX the manager informed me that he was very sorry for my inconvenience and asked if I could take the vehicle to the XXXX title office to get a vin number verification and with that they could work on the title issue. I've also been in contact via email with XXXX XXXX of CNAC to let her know since we entered into this contract fraudulently because I was not aware of the issue to months in the contract. I advised CNAC XXXX XXXX that I would prefer if they wrapped at least the minimum of two payments to the back of the loan until they correct the issue. As of XX/XX/XXXX XXXX XXXX wasn't on board and wanted more money.
Product: Credit reporting or other personal consumer reports

XXXX extremely frustrated to see unauthorized inquiries on my credit report this morning without any explanation. Ive checked my report as usual, and out of nowhere, there were discrepancies. Refreshing my browser didnt help, so this is not a glitch. Please review the documents Ive submitted thoroughly and resolve this immediately to put my mind at ease.
Product: Debt collection

On Friday, XX/XX/2018, I received a letter from Phoenix Financial Services stating that I owe {$860.00}. The letter is dated XX/XX/2018. I called the number to find out who I needed to talk to because I dont acknowledge this debt. They couldnt give me much information other than XXXX XXXX XXXX XXXX XXXX. I called them, but they have no record of me having an account with them ( old or current ). I also called XXXX XXXX who is listed as the original creditor who also said the same thing. 

The person I spoke to said this account would be reported to the credit agencies and it would show up on my credit report even though I told him I needed time to figure out what had happened and who to contact to clear this up. He said he was not a financial advisor and could not tell me what to do or how to clear this up and that he would request a debt verification. 

I was a little surprised that he didnt ask me to state the last 4 digits of my social security. He just listed them and asked if those were it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out. Per FCRA segment 605 you are expected to delete any records recorded. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The following items needs to be removed : XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These student loans are under federal fraud investigation that i have filed with My State, the XXXX and Department if education. These matters were placed on hold by President Trump and the Department of Education for over a year. These fraudulent loans  giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.
Product: Mortgage

They took my money via wire transfer and promised a recast of my mortgage and did not do what they said they were going to do. It has been 3 months of fighting with them to correct the new payment amount. They lie, say there is no recast department however their forms sent on their letterhead states Att : Recast ; they say they never received the forms, I sent the tracking slip from the post office showing they received it ; they state they never received my emails but when I log into THEIR online messaging system it shows all of my emails to them along with their generic auto response : Thank you for contacting Nationstar a customer service representative will contact you '' which they never do!. They drop my calls and refuse to help, they are predatory lenders. To date, I have spent several hours on the phone with them as well as faxing and emailing them with no response or help whatsoever.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

improper use of credit report and reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report Number : XXXX My name is XXXX XXXX XXXX filing this complaint today because I am a victim of identity theft.The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Also i was a victim of the XXXX XXXX data breach several accounts on my credit report are not mine in the past ive called Experian and i also submitted few disputes by mail and by online portal even called in and waited over 3 hours but this company failed to solve this issue so today Im reaching out to the CFPD to help me solve this matter. This fraudulent debt is hindering my ability to apply for credit or even get a first time credit card to build credit. I don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress. Worst part I was denied a job based on negative information on my report. I have been subjected to adverse action pertaining to the CRAs reporting inaccurate information as a result of fraud. I am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports! My personal information was exposed in a data breach Ive been receiving calls from debt collectors and also gotten calls from different NUMBERS that comes up as FRUAD on my caller id!! Im asking the CFPB to help me solve this matter because I try to fix this issue on my own but for some reason Experian failed to help me and replied back to me as verified but dont give me proof of the verification!!! I CANT AFFORD AN ATTORNEY OR A CREDIT REPAIR AGENT AT THIS TIME, so Im doing everything myself please help me solve this matter. Heres the list of all fraudulent accounts listed and reporting on my report!! 


XXXX XXXX, XXXX {$500.00} reporting on exper Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney ( XXXX ) XXXX XXXX XXXX XXXX {$430.00} Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company ( XXXX ) XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Balance Loan Amount {$500.00} - 10 XXXX XXXX XXXX XXXX ex eq Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account and please correct this accounts also XXXX {$0.00} Paid, closed 10 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed XXXX Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account US DEPARTMENT OF EDU {$4100.00} reporting on experan Account Info Hover over labels for more details Account number XXXX Account status Closed US DEPARTMENT OF EDU {$7500.00} reporting on experan Account Info Hover over labels for more details Account number XXXX
Product: Debt collection

Medial treatment done XX/XX/XXXX and Hospital claims I had no medical insurance. Went to Urgent care earlier that same day and that claim was processed XX/XX/XXXX per Urgent care office. I received a letter from AR Resources showing debt went to collection. Did not received letter from Original creditor, who was XXXX XXXX XXXX XXXX, XXXX. AR Resources placed collection on credit XX/XX/XXXX for {$710.00} and {$51.00} separately. the {$51.00} debt was paid through Insurance claim XX/XX/XXXX. The {$710.00} was paid per Healthare provider. The original creditor never processed claim, stating I had no Insurance and per new rules on Medical debt, must be 6 month prior to sending to collections. Collections placed XX/XX/XXXX. I've disputed this in XX/XX/XXXX. XXXX has also stated per phone call that it was procedded through claims.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : EQUIFAX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They have informed me that they verified the accounts listed below : XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX However, they didnt give me any verifiable proof ( have my signature inside ) to prove that these accounts belong to me.
Product: Credit reporting or other personal consumer reports

I submitted a dispute request for the fraudulent account reported by American First Finance. I was informed in XXXX on the phone by American First Finance the matter would be resolved and no longer report to the credit bureaus. I Also disputed this fraud account With XXXX, and it has yet to deleted. Instead, this account has been reported inaccurate again, this time as closed and paid. I never paid the account because it is not mine! i have sent my affidavit, police report, XXXX forms of ID & Dispute letter to all parties. This account is hindering my way of life. Please Help! 

Under Section 609 of the FCRA, I am requesting a copy of any documents that you have relied upon in preparing my credit report regarding this American First Finance account number : XXXX account. Additionally, Ive enclosed all relevant supporting documentation that validates my position and confirms these inaccuracies. 

As permitted by Section 611 ( a ) of the FCRA, I urge you to investigate these items within the required timeframe. If you find the information is indeed erroneous, I request the deletion of the disputed accounts from my credit report. 

Furthermore, I would like to highlight that under Section 605, any fraudulent information should not be reported once it is verified as inaccurate. I have initiated the fraud alert process with the major credit bureaus, and as such, I am taking steps to protect myself against potential identity theft. 

Please conduct a thorough investigation and notify me of the outcome within 30 days, as stipulated in the FCRA. Upon completion of your investigation, please send me a copy of my updated credit report. 

Thank you for your prompt attention to this matter. I can be reached at [ your phone number ] or via email at XXXX should you need any further information to assist with your investigation.
Product: Checking or savings account

XX/XX/XXXX  {$14.00} XX/XX/XXXX  {$7.00} XX/XX/XXXX  {$44.00} XX/XX/XXXX  {$44.00} again XX/XX/XXXX  {$130.00} XX/XX/XXXX  {$30.00} XX/XX/XXXX  {$14.00} I signed up for Albert originally for a payday loan type service. Once paid back, the same week they started taking money from my account. It was small amounts at first, like $ XXXX- {$7.00}. I reached out to support to stop taking funds from my checking account. They explained that I turned on the feature, told me how to turn it off and I did. They did not inform me that the feature turns itself back on until a few months later. I have tried numerous times to cancel the service, I have canceled and got new debit cards. It will not let me delete my bank information. They will not let me close the account. I spent an hour on the chat, because they do not offer a phone number, and they charged me again {$14.00} the very next day. Its XXXX, I had to make an appointment for my real bank to close my account because Albert will not stop taking from the account. I told them to keep the money they keep taking and just close the account and not take anymore but they say they cant. They cant close the account until the charges stop pending, but as you can tell they keep taking the funds and the charges will never stop pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts in my report that I don't recognize. I want the information removed and I have already sent out letters for more than 30 days ago. Until now, I did not receive any response and I think the bureau is not taking action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I made a purchase under {$35.00} at my local XXXX. I use my XXXX XXXX XXXX card. I travel for work any only have my mobile phone. I did not return home until XXXX. First, I thought I paid the card in full. Second, my 840+ FICO took a dive. I immediately pulled a credit report and found a 30 day late score on my report. I contacted AE fraud department. They put a fraud notice then transfered me to their fraud division. The man I spoke to gave me information and I told him it was my charge. He then transfered me back to customer service and I paid the bill. I have 43 years of stellar credit with accounts going back to the mid 70 's. 
This particular account was over 10 years old with a large line of credit. All my credit cards are paid in full each month. Each person I spoke to were unwilling despite the issues of there phone system and the issue of using a cell to access their site. Note : because I am on the road I monthly check the balances of each of my credit sources. 
I appealed up their chain of command. Finally I spoke to a XXXX in Wells Fargo who sounded XXXX bias. She was extremely curt and rude. She said she would send out a letter and again I explained that I was on the road. My credit had dropped to the 760 range. 
Late XXXX I was home and read the letter. I took my information and made an appointment with the local Wells Fargo branch manager. She listened and appealed up her change of command. She also addressed the issue with XXXX XXXX. In XXXX XXXX XXXX called my for the final time. In XXXX my credit score dropped again this time down to 721. What had changed? I paid off my car 2 years early as well as one complete student loan. So I called XXXX and found out that in XXXX wells Fargo XXXX XXXX updatef my account reflect that I had an overlimit in my history. Once again I called XXXX XXXX and spoke to an onshore representative who then reviewed the entirety of my account. They noted that note only had I never got close to approaching that ever in the decade of having the account. Also from what they could see on the there was now no indication that the account had an over limit. I have multiple credit sources all excellent. Four decades of perfect credit, house and car loans most paid in full and use credit regularly with no issues save this one. Please help me get my good name back!
Product: Credit reporting or other personal consumer reports

This debt written off as a loss and when I requested the 1099-C I was advised the debt was also sold to XXXX XXXX XXXX yet this debt is still being reported to my credit as owed to XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized 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 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reportinn act.the list of accounts below has violated my federally protected consumer rights to privacyand confidentiality under 15 US 1681 acc number : ; XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX  account XXXXXXXX XXXX XXXX  ) has violated my rights. 

15 U.S C 1681 section 602A states i have rights to privacy.

15u.s c 1681 SECTION 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S C 1681s ( A ) ( 1 ) A person shall not furnish any information relating a consumer to any consumer reporting agency.if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

AMERICAN EXPRESS CARD KEPT CALLING, SKIP TRACING AT WORK, HOME AND CELL FAMILY MEMBERS AND SERVICING LAWSUIT TO US. SEVERAL COLLECTIONS AND XXXX XXXX XXXX.
Product: Debt collection

I previously lived in XXXX XXXX XXXX in XXXX California with my daughter. We moved out on or about XX/XX/XXXX. We had the apartment professionally cleaned and paid all monies due. Nothing was owed on the apartment. Years later in XXXX, my daughter notified me the Kimball Tirey & St. John LLP had placed a collection on our credit reports. She contacted them numerous times and was told the collection was placed because some XXXX law for rentals expired in California. She informed them that the XXXX law doesn't apply to us because everything owed was paid in full. My daughter provided proof of zero balance and copies of payments made. The collection agency still refused to remove the collection In a previous complaint, the collection company stated, " XXXX XXXX submitted this complaint based upon our attempts to collect an amount owed related to her residential tenancy. XXXX XXXX entered into a residential lease agreement for the premises located at XXXX XXXX XXXX # XXXX in XXXX, California. Upon move out, XXXX XXXX owed a balance of {$540.00}. XXXX XXXX alleges that no balance is owed. As XXXX XXXX states in her complaint she previously contacted our firm with her dispute. Our firm contacted our client in XXXX of XXXX regarding these disputes and our client confirmed that the balance is accurate. The main contention XXXX XXXX has is she paid a lease buy-out fee in XXXX for {$2300.00}. However, XXXX XXXX did not pay any rent for XXXX of XXXX. If her 30-day notice to vacate was valid then she would be liable for rent until XX/XX/XXXX of XXXX. XXXX XXXX can not pay a lease break fee while simultaneously owing rent. Section 4 ( d ) states that XXXX XXXX can not pay a termination fee if she is default under the Lease Contract on the new termination date. Based on the above, our firm will continue to report this debt as disputed. '' What the collection company stated above is false. I did pay XX/XX/XXXX rent and I included a copy of the payment confirmation email dated XX/XX/XXXX, for {$2500.00}. I also included a screenshot of my bank statement showing the {$2500.00} was paid for XXXX rent. Therefore, all payment required for this lease has been paid and no further payment is due.
Product: Credit reporting or other personal consumer reports

I have hard Inquires from XXXX XXXX XXXX Inquired on XX/XX/year> that I'm not aware of. Also 3 Hard Inquires from JPMCB Card dates are XXXX 1 inquire from XXXX XXXX XXXX  date XX/XX/year>