23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Mohela is not counting several chunks of months under qualified PSLF employment. My loans should be forgiven, instead they are showing over 20 months left and have resumed payments. I have called several times showing the gaps and how they overlap with my verified employment. 
Also when you self certify on their website, it shows in bullets that all repayments plans count towards PSLF. They tell you on the phone that is not true.
Product: Credit card or prepaid card

I got a Home Depot credit card last year. I saw some purchases I did not make. I contacted the Home Depot security office twice and they denied my claim. I faxed/ mailed them several times my ID and police report however they keep telling me that they have not received any documents. I have proof of the faxes and letters I send. They keep making excuses such as that I didnt include my account number or fraud claim number ( when I did ) or they keep giving me different fax numbers. I asked for an explanation and if the purchases were made in store or online. At first, Home Depot said the purchases were made in store then I asked for them to check the security cameras. Then they changed their story and told me that the purchases were made online. Its been several months and I hadnt had a fair resolution. They just call me day and night to remind me to pay the bill sometimes their associates are extremely rude. Even if I block the number they call me from different ones. When I try calling customer services they just transfer my call to different random people for two hours straight to finally hang up on me. This situation is been so stressful for me. Ive done everything they asked me for. However now my credit went down significantly and I was trying to built my credit to buy a house soon.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXXXXXX XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX XXXX Collection {$1900.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Collection {$960.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$2100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$1100.00} XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$690.00} XXXX  XXXX Collection {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$720.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$1300.00} XXXX  XXXX XXXX Charge-off {$680.00} XXXX  XXXX  XXXX Charge-off {$840.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$16.00} Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent 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 XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Product: Bank account or service

I left my wallet at a friends house and when I retrieved it later that night I found about XXXX-XXXX dollars missing from the card, he swore he was going to return it to me but now he wo n't answer my text or calls!!!
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681.

15 U.S.C 1681 Section 604 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 then seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

My car was repoed on  XXXX /2017. I received notices of the car auction date and time and what I need to do if I wanted to keep my car. on  XXXX / XXXX /2017 I received a letter from Cohn , Goldberg & Deutsch collection agency on behalf of  XXXX . It stated I had 30 days to dispute the validity of this debt or any portion thereof, and I did just that. The first certified letter I sent was to confirm that debt belonged to me  XXXX / XXXX /17 I then received the initial contract from   XXXX   XXXX   XXXX   that I signed. I then sent another certified letter on  XXXX / XXXX /2017 requesting Under the laws of the State of ( Maryland ) UCC ( 1-103, MD COML ) and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I requested copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
If no such proof is provided within 14 days of receipt of this notice, the alleged claim of a deficiency will be considered and null avoid.I received a phone call from   XXXX   XXXX   stating that they received my letters and that they notified  XXXX  for an update but to their understanding, the car had n't been sold. The third certified letter I sent was on  XXXX / XXXX /17 notifying them that they failed to verify my request within the 30 days and by law, they have to remove this account from my credit report. I then received a letter from   XXXX   on  XXXX / XXXX /17 of a {$8300.00} deficiency balance and another letter from Cohn , Goldberg & Deutsch , LLC on  XXXX / XXXX /17 saying I have a deficiency balance of {$16000.00}. I followed all the proper procedures and kept a paper trail of the communication line on behalf  .
Product: Debt collection

I received a collection alert from a credit monitoring company in XX/XX/2023 for XXXX XXXX XXXX ( who I have never purchased anything from ), or a collector that they have hired, for an electric bill in XXXX XXXXXXXX XXXX I have never lived in XXXX XXXX nor to my knowledge have I ever been there. I called the collection company, Convergent Outsourcing, in an attempt to resolve, the problem and was told to submit a dispute with the credit bureaus. After multiple disputes and some success the collection persists. I never received any kind of phone call or other kind of verification from XXXX XXXX that I was activating an account nor did I receive any notification from Convergent Outsourcing. I do not understand why the burden of proof lies upon me to say this is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove these from our report since we first found out 5 to 6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these fraudulent items from my report. 

XXXX  XXXX XXXX  XXXX {$680.00} XXXX/XXXX XXXX   XXXX {$420.00} DEPT OF EDUCATION/XXXX  XXXX {$6000.00} XXXX XXXX XXXX XXXX {$32000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Credit report review revealed problematic late payment entries that remain unresolved despite my previous communication attempts. Over 30 days have passed since I sent letters requesting validation, yet no response or satisfactory explanation has been provided. The continued presence of these unverified late payments requires immediate attention to prevent potential negative impacts on my credit standing.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$23000.00} XX/XX/XXXXXXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$19000.00} XX/XX/XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XX/XX/XXXXXXXX Balance XXXX {$23000.00} XX/XX/XXXXXXXX XX/XX/XXXXXXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XX/XX/XXXXXXXX, XX/XX/XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$19000.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$11000.00} CAF XXXX XXXX XXXX {$23000.00} FIRST INV SC XXXX Balance : {$26000.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX
Product: Vehicle loan or lease

In XXXX I filed Bankruptcy which has since then been discharged and I am currently making voluntary payments to keep the car. I was told I could only reaffirm the Loan if it was current and because I was past due I would not be able to reaffirm. I was unable to bring current until the Bankruptcy was already discharged. When I contacted XXXX XXXX on XX/XX/XXXX and asked amount due to bring account contractually current, I was told {$1100.00} to pay for XXXX, XXXX, XXXX, & XXXX. On that day I authorized {$800.00} and then returned call on XX/XX/XXXX and authorized remaining balance of {$300.00}. After that payment I would then have been due for XXXX installment on XX/XX/XXXX. I called on XX/XX/XXXX and authorized {$330.00} - when this happened the representative put in the payment for {$770.00} causing my checking account to over draft. I then called XXXX XXXX to advise them of the error. Now up until this moment I was contractually current. But when they reversed the payment in order to refund me the {$440.00} that was taken in error, its created my account to reflect as if now I owe {$220.00} for a partial payment. I have what is called a Simple Interest Loan which they created this interest due with the payment processing error. I 've since been told that I was misquoted the amount to bring current. Then told I have n't made enough payments since beginning of loan. I have asked for a payment history which they have said they have mailed, but coincidentally I have never received. I 've also been told I have outstanding fees due but they can only explain about {$200.00} or so of them as to late fees but unable to explain the remaining balance to me. I then asked to speak with manager I was forwarded to Manager XXXX XXXX at XXXX have left a message but since then no one has returned my call, I have yet to receive the payment history, and my account is still showing past due. I 've since then made a payment on XX/XX/XXXX in the amount of {$330.00} which should have covered XXXX but due to their error applied towards XXXX. My loan has already been closed due to Bankruptcy so I 'm no longer in an agreement meaning they are able to repossess my vehicle at any time. I feel the account is purposely being mismanaged in order for them to keep the vehicle.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against SOUTHERN MANAGEMENT
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code XXXX ( 2 ) and 15 U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$120.00} prior to services being removed from credit, never received my detailed report. Everything on my credit was disputed even open credit cards that I have on file and this will negatively impact my credit. XX/XX/17 services was paid for and I never received my audited report. They charged a set up fee which is a violation of the CROA.

They also lied to credit bureau about items on credit and did not inform me of this. an inquiry that I authorized is showing not authorized even from accounts that I currently have cards with. I am requesting a full refund of {$120.00} due to violations of this act. " One of the more important areas covered by CROA is how credit repair organizations can get paid. It is the general consensus that a credit repair company can only be paid after services have been rendered. This can be done using a monthly fee model where companies charge clients on a monthly basis after services are rendered or on the more modern pay after deletion model where clients only pay after items are deleted from the credit report. Companies that charge excess " setup '' fees or all of their fees upfront violate the provisions of CROA. ''
Product: Debt collection

Pulled my credit reports and saw an entry from ENHANCED RECOVERY that I was never notified about. 

Please see credit report regarding inserted entry. 

They have not been in compliance and this is a violation of the FCRA and the FDCPA
Product: Credit card or prepaid card

I recently have closed my Capital One account 3 times. I have spoken to and received confirmation numbers that my balance was XXXX as of the minute I paid it. These conversations were all recorded by Capital One. 
XXXX attempt : XXXX paid balance shown on statement XXXX attempt : XXXX on XXXX XXXX interest charge XXXX attempt : XXXX on XXXX XXXX interest charge I cut up the card after the first payment. It was the balance online. Second for interest to the minute over the phone. The same for the third. I was assured the last time was totally paid in full and there would be no further charges. Yesterday as I checked the account there is a balance of {$82.00} again for interest. I really dont understand how they can keep charging interest on a XXXX balance. Or why this is difficult for them to just close it!
Product: Credit card or prepaid card

I'm having a hard time paying my bill online I received 2 late fees in XX/XX/XXXXand XX/XX/XXXXwith Government shut down. When I made a dispute on XX/XX/2020 on my bill Macy 's sent my to collections for non payment after I talked about arrangements to pay my credit score decreased .I called Macy 's on XX/XX/XXXXto tell them there store closed down so I can not get into my online account disabled. no longer working to make payments online. I will like to close out this account first resolve my dispute on my bill. Late fees I'm being charge for I can not see my bill online or see any of my charges they claiming I have.
Product: Student loan

I have contacted Navient my student loan server beginning XX/XX/XXXX regarding my student loan debt. I continue to get the same response of high interest and lack of non payment. I informed Navient that I was a public service employee since XXXX and have not received any loan forgiveness or loan reduction. I request loan information from the school and the Department of Education. It does not show how my loans have matriculated to more than XXXX. I believe that Navient formerly Sallie Mae steered me towards multiple forbearances and deferment due to my low income and provided unclear information about how forbearances and deferment would affect your student loan debt over a period of time. They were misleading to incur additional dollars from interests from student loans. I also I indicated I sent in several public service applications and up until last year I was advised to contact the department of Education to again consolidate loans. It is a game of catch up by Navient in advising the borrower to consolidate loans to start the process all over again.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Filed a complaint against XXXX XXXX with the state of NJ attorney general 's office, regarding an issue with phone installment plan ( see attached complaint ) XXXX XXXX responded to complaint and agreed to resolve ( See Attached letter ) XX/XX/XXXXXXXX XXXXXXXX reported a balance as delinquent on my XXXX & Transunion credit reports . ( See attached letter ) XX/XX/XXXX filed a dispute with XXXX, responded XX/XX/XXXXXXXX XXXX  filed a dispute with Transunion, responded XX/XX/XXXX less than 24 hours Clearly, you have willfully failed to investigate the disputed information as I have requested. In lieu of deleting the disputed information, you willfully failed to conduct a reasonable investigation of my dispute. 
. 
However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of information contained in my consumer file as pel the FCRA. Your failure to reinvestigate is an intentional and/or negligent FCRA violation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXX Account # XXXX, has violated my rights. 

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

I signed up with Experian for free account several months ago. I have checked my account with them today and saw that I was being billed for a premium account that I do not recall signing up for. I called them and they cancel the premium account but will not refund any payments made.
Product: Debt collection

Rmp continues to report negative information on my credit report. I have received no information from this company to verify that this debt is valid. I am specifically seeking my signed signature that I agree to pay this company anything. This debt does not belong to me and I am demanding it be removed from my XXXX account as soon as possible. 
Again I received no information from this debt collector that this debt is valid. You can't contact them because there job is collect money not to provide information. So when they respond, I seeking either documentation that I am responsible for this debt or a letter stating the debt will be removed in XXXX days!
Product: Debt collection

An employee of William and Fudge contacted a friend, that they found viewing my XXXX profile, but said he was found through public records, and asked for my phone number regarding my debt. My friend refused to share my phone number and when I asked why they called my friend, I was told they could not find a way to get into contact with me but yet all my phone numbers and family members are public record.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove 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 any accounts or information 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 XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

Cash app transactions that I didnt make or approve and I make a dispute about this transaction, and they decline with any explanation