23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/year> my student loan went back into repayment with MOHELA. Over the course of the last 8 months, I have made regular attempts to make monthly payments towards my loan installments and to set up Auto Pay. Each time, the system issues a " payment reversal '' with no explanation and de-initiates my auto pay being turned on. Each time I have called customer service waiting usually at least an hour to speak to someone and they tell me I must have entered my account information wrong ( for 8 months in a row? I don't think so! ) and the customer service agent tells me they can accept a one time phone payment and help me set up auto pay again. Each time I do this, within a week I get an email stating " payment reversal '' and the auto pay turned off with no explanation. Essentially, I am unable to pay my loan because of some type of system error or their system is broken. I do not have endless time to dedicate to this. I also issued a complaint on their online system and detailing the issue and their response simply said to call customer service. I read on reddit that several other people are experiencing this exact issue with MOHELA and many people suggested to file a complaint with you.
Product: Credit card or prepaid card

I have requested a billing history for my account from JC Penney and have not received it. I am concerned that I have been over-billed and that my actual balance is lower than the company claims. I have requested a billing history to reconcile my account with the company starting XX/XX/XXXX to XX/XX/XXXX both over the phone and on the company 's website and have not yet recived it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be the 3rd complaint I have filed with XXXX and all attempts to reach them by phone have been unsuccessful. Each time the credit company closes my investigation with out changes. I have attached all proof of payments that are consistently being ignored. I have attempted to fix these issue for approximately 8 mos and am now unable to file any disputes with the credit company online. This has now resulted in me losing my financing to purchase my current home, as well as impeding eviction. 
Also due to credit issues, I lost potential employment and XXXX admissions. Current issues : XXXX is reporting correctly, Equifax is not and has put prior derogatory reports back onto my credit. 

1. XXXX XXXXXXXX XXXX balance updated XX/XX/XXXX as charge-off was paid in full XX/XX/XXXX 2. XXXX XXXXXXXX XXXX Updated XX/XX/XXXX labeled as charge-off paid in full XX/XX/XXXX 3. XXXX  payment updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 4. XXXX XXXX updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 5. XXXX XXXX XXXX ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter 6. XXXX XXXX XXXX updated XX/XX/XXXX, Dealership failed to fully pay off lease, I returned the vehicle, got another lease and was assured this would be corrected. See Attached. 
7. XXXXXXXX XXXX reports and amounts are disputed and currently in active litigation. 
8. XXXX XXXX acct XXXX updated XX/XX/XXXX as collection account balance " unpaid '' Account was paid in full 8. XXXX XXXX acct XXXX active collection updated XX/XX/XXXX paid in full XX/XX/XXXX
Product: Debt collection

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the orginal creditor, only i can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA XXXX XXXX XXXX is not the original creditor and purchased my information illegally and must have my written consent to purchase my information witch they did not do Once again i have mailed this company a notarized affidavit ( XXXX XXXX XXXX XXXX XXXX ) with all violations and each carries a {$1000.00} fine, 15 USC 1681B PURMISIPLE PURPOSE ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

I see a credit inquiry from this company that I don't know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ), AD ASTRA REC ( Original Creditor : 12 XXXX XXXX XXXX XXXX ), and XXXX XXXX  ( Original Creditor : 11 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXXXXXX XXXX, XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ), AD ASTRA REC ( Original Creditor : 12 XXXX XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Telephone payment made via XXXX  Telephone Payment System. I assumed the payment had been posted as I received a confirmation number from the automated Telephone system. The system did not post the payment at the time payment made. I discovered this error made by XXXX payment system and notified XXXX XXXX. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error or an occurred at the time the payment was made. The telephone system provided by XXXX XXXX to consumers allowing the processing of payments is not infallible. XXXX  to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...
Product: Debt collection

On XX/XX/2016 I sent a letter to the creditor, which requested confirmation of information regarding the debt, originator, amount. On XX/XX/2016 I received this letter back from the XXXX, with a label " return to sender, unable to forward '' I have made several attempts to dispute this collection via collection bureau- XXXX XXXX I can not verify the debt, I can not contact the debt collection agency to verify the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB XXXX XXXX to Pay {$19.00} XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Including Wrongly Reporting that Consumers were Delinquent on Loans or Leases. I am also having the same problem with this issue above, I never ever had issues with non of my leased vehicles this is my fourth car being leased. I had a lease with XXXX, XXXX, then XXXX again then XXXX & this is the first time I had an issue with a company that's not reliable was told XXXX this on a phone call and they do something completely dependent, I had an issue with an excise tax that they sent to an old address that I had updated with them Multiple times by email and by phone. Never ever have I missed a lease car payment that directly removed from my bank account, but because of the car excise tax that was sent to an old address that I called and confirmed updated it Multiple time via email and calling. They added that excise tax as an missed car lease payment, which it doesn't make sense that not part of the car lease, I have been making the lease payment if they tried calling me or sent me a payment for the excise tax in the mail at the updated address I would of paid it, or even sent it to a collection agency so they could attempted to contact me for the excise tax of the vehicle, but not try to add that as part of the car payment and as missed payment. That's fraudulent, unacceptable never again I will buy or want a XXXX vehicle again or will advise any family member or friends to buy XXXX and leave some reviews online are a couple of big websites for vehicle reviews. Not a good company for customer service. Plus all this lawsuit for credit error. I have also logged-in my hmfusa.com XXXX account XXXX pull my payments history made to them from there financial app. 

It's was such a problem that we ended up just doing a buyout of the lease vehicle Which is stated on the document I will provide below.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN I HAVE A FEW ACCOUNTS IN MY NAME THAT DO NOT BELONG TO ME IT SEEMS MY INFORMATION HAS BEEN COMPROMISED THE FOLLOWING ACCOUNTS ARE XXXX  AMOUNT {$33000.00} OPENED XX/XX/2020 ACCOUNT # XXXX AND THE OTHER ACCOUNT IS WITH XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is XXXX disrespecting me as a XXXX Consumer, for several years these XXXX XXXX   tactics have been implored by XXXX  personnel within Equifax in an effort to suppress and sabotage my XXXX buying Power. On XX/XX/2020, I Sold and Closed on my at XXXX XXXX XXXX, XXXX, GA. XXXX. I had a Equity Loan with XXXX XXXX XXXX XXXX, theyve got their XXXX pennies, ( Money ) and I found out through XXXX XXXX  that theyve ( XXXX XXXX XXXX XXXX ) Reported to Equifax that Ive XXXX  Paid-in-Full this little XXXX Equity loan, but the XXXX XXXX XXXX   at Equifax refused to update this XXXX XXXX ( LOL ) on my Equifax Credit report! Im contacting the CFPB to be that XXXX third-party link when I take these XXXX  XXXX  to Federal court, Ive got the Financial Resources to legally FIGHT back and expose the XXXX against the me and other XXXX Consumers. I walked away with {$100000.00}, theres XXXX Consumer attorneys here in XXXX ready to dance to my music, that XXXX  Dollar, WOW, Nobody is Stopping me! Im in charge Now!
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned XXXX and I had no credit I was purchased a vechile through a authorized dealer and they ran my credit multiple times knowing I had no credit I was a co under my mother
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report violating federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law to resolve this matter as soon as possible. 
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 card

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, an unknown person used my Chase Freedom Unlimited credit card ending in XXXX make fraudulent transactions, the first transaction was on XX/XX/XXXX from Target in XXXX NJ for a total of {$110.00} the second fraudulent transaction was on XX/XX/XXXX from XXXX XXXX for a total of {$81.00}, the third fraudulent transaction was on XX/XX/XXXX from XXXX XXXX  XXXX for a total of {$110.00} and the fourth fraudulent transaction was on XX/XX/XXXX from XXXX XXXX XXXX XXXX in XXXX NJ for a total of {$100.00}. 

The chase fraud department states that my chase freedom unlimited credit card was used in person and they do not want to resolve my fraudulent issue because their credit card chip can not be replicated but yet I did not make these fraudulent transactions and they are not helping me in any way. 

I have also filed a police report today on XX/XX/year> in the city of XXXX New Jersey And I have provided a photo of the letter chase sent me stating I am responsible for paying off the fraudulent charges for a total of {$410.00} That credit card was closed so I do not have access to the credit card anymore but the credit card ended in XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to you as my social security number was compromised. I had a data breach that resulted in fraudulent accounts reported to me. I am requesting that all erroneous names, addresses and employers be deleted from my credit report.
Product: Mortgage

I was approved for a loan modification at the same rate I have been paying. I was told not to make a payment until the papers were notarized. The company lost documents making this process take longer than should have been. I was then told a completely different timeframe to pay which put me one month behind on the behalf of Wells Fargos misleading information. Wells Fargo refused payment and forced me into a higher payment as well as higher interest rate.
Product: Credit card or prepaid card

Chime bank will not refund me money from a dispute. The customer service is horrible they treat you like a robot and just read verbatim a script instead of answering simple questions. I was overcharged by a company and was expected a refund that I never got and filed a dispute and they denied my claim. This bank needs to be shut down theres nothing but complaints and problems with people being returned money. They claim they cant even give me a temporary credit because of regulation e.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX # XXXX - Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Opened XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard XXXX and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer of XXXX XXXX for my 2nd mortgage and they have reported incorrect information on my credit on multiple occasions. I have spoke with them many times and each time they tell me I have to submit a report to have them fix their issue. I make my payments 2 weeks ahead of time to avoid any potential late payments, but somehow they keep reporting errors on my credit. All I want is they to get their act together and stop reporting wrong information hurting my credit stating I once again made a late payment even though I did not.
Product: Mortgage

Borrower was approved for a trial modification. Although they made the payments they did not return their documents in time and the offer was canceled and the loan was removed from home preservation. When the borrower attempted to go back through re-entry the dept said they couldn't allow it because it was within XXXX XXXX  of the sale. However when the borrower was approved for the first trial modification Wells Fargo said as long as the borrower submitted a complete application XXXX business days prior to the foreclosure they could postpone the sale which they did.
Product: Mortgage

The name of our company is " XXXX XXXX XXXX. XXXX  '' For the past 2 years I've been trying to get Mr. CooperXXXX XXXX to correct our mortgage account, yet they refuse. Just recently I submitted proof of payments from our banking institution, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. At first, they ask for 40 days to research the problems with the posting of our payments. The person assigned to research our account errors was XXXX XXXX XXXX. He claimed to be a supervisor in Mr. Cooper 's " Research Department. 
XXXX XXXX XXXX responded by email with a letter attached on Mr. Cooper 's letterhead claiming that I did not send proof of payments and they wouldn't accept the proof of payment records from our banks. 
To support Mr. Cooper position he actually included a 27 page bank statement for a TOTALLY DIFFERENT COMPANY. XXXX XXXX XXXX XXXX XXXX. 

This bank statement included this companies account information, all of their financials and all of their transactions going back to 2020. 
When I called back to speak to a supervisor in the Research department all of the clerks refused to transfer my call and told me that they wouldn't accept my proof of payments and they would be starting the foreclosure process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX ; XXXX XXXX XXXX XXXX : {$2000.00} ; XXXX  XXXX XXXX Balance : {$5400.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Student loan

I attended XXXX from XX/XX/XXXX, to XX/XX/XXXX. My federal loans were forgiven under the XXXXXXXX XXXX  XXXX lawsuit due to school misconduct. 

However, my private loans have continued with an interest rate of 10 %, resulting in monthly payments nearing {$500.00}. Despite making these payments, the total amount owed continues to increase. Navient has been uncooperative, only offering a temporary interest-only plan.
Product: Checking or savings account

Before the XXXX I had lost my card and sometime after a person was able to log into my account and deposit unauthorized checks into my account. I hadn't noticed till a few days later due to being extremely sick. I had notified the bank the following Wednesday of the issue they told me they would look into. They determined due to the checks being deposited in my area it was my fault. Now I'm stuck with a negative XXXX balance on my account about to lose my insurance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one account on my credit report that is not mine I have not opened this used this or even know what its for XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$20000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX I have recently checked my credit report and noticed some inaccurate accounts reported.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX. I demand the removal of these incorrect addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I want these incorrect numbers removed : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. As well as this incorrect name : XXXX XXXX.