23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, My payment cycle with MOHELA is on the XXXX of each month. I paid {$200.00} on XX/XX/XXXX to be posted to my student loans. During this time, they switched website providers. I logged in today and I see that there is no history of my previous payments, and even though the {$200.00} was withdrawn from the Department of Education, it does not show on my account. It shows I still have a payment due on XX/XX/XXXX. 

I did call MOHELA- they initially could not find my payment. Its almost important to note, I never received a payment confirmation email. After spending time on hold multiple times, the agent I spoke to said her team was able to find my payment of {$200.00}. This payment is basically currently lost due to their website provider changes and they have 90 days to apply it to my account. 

However, does this not account for the fact that I still have a payment due on XX/XX/XXXX - which this {$200.00} payment I submitted and was withdrawn from my account. I was told that if I had the funds to re-pay, to do so. Otherwise, no late payments would be reported to the credit bureaus. My payment was not late as I paid on XX/XX/XXXX, they did not provide any other viable solutions. 

I did submit a dispute with XXXX XXXX today and they said it could take up to 10 days to hear back a status. 

Id like it to also be in writing that in my short time with MOHELA this is not my first problem with lack of responsibility and action. When my loans earlier this year were transferred from XXXX to MOHELA, I did not receive proper information. Their website stated for weeks that they did not have my loans. The day after my billing cycle, they were showing I was late. I did not receive a statement, email, or even a welcome letter to know they were my provider - let alone that there was something due. 

I would like MOHELA to refund me my {$200.00}.
Product: Checking or savings account

Chase Bank offering {$900.00} combined bonus for opening both checking and savings account. Followed all steps, using their links which say coupon applied, then met all requirements. Inquired why bonus had not been paid out on Checking and was told the promo code was never applied, and they cant retroactively apply it after 21 days. They are still offering the same bonus, but say they cant do anything. we went into branch for help as well, they filed a complaint but said they cant override it. They did it to my husband as well, who signed up and opened his own accounts. 

Please help, they owe us {$900.00} in advertised bonus and now wont pay it,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, GA XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX I need to attend the following shown items in this letter high contains data taken directly from my credit report which you have provided. 

Delete these unconfirmed inquiries lacking certificate evidence unless fisically certified verified proof is demonstrated per US CODE 15 U.S.C Section 1681 ET SEQ. Section 604 of fair Credit Reporting Act. 

Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account on my credit report, Discover Financial with the credit bureaus. XXXX is reporting the account with a {$0.00} High balance, date of last activity XX/XX/2021, and no closing date. XXXX is showing {$1100.00} High balance, date of last activity XX/XX/2021, and no closing date. This is a true fact on inaccurate information and reaging of the account because there is not a true date the delinquency occurred. I have ask the credit bureaus to delete the account. 


Thank You.
Product: Debt collection

A {$50000.00} credit line was taken out from Mechanics Bank in the name of XXXX XXXX XXXX and used my name as the 100 % owner of the company. I have never had any affiliation with this company or Mechanics Bank. The first I was aware of this was after a default judgement was entered against me. I went to court on XXXX for a motion to vacate renewal was not successful. 

I wrote a letter to the bank and also asked the collection agency ( XXXX XXXX XXXX ) to supply me with the original loan documents to no avail. 

The information on the loan application submitted by XXXX XXXX XXXX is fictitious and not associated with me in any way. 

There is no supporting documentation for the loan : No copy of my valid driver 's license No business and/or financial documentation associated with me in any way No copy of bank/liquidity account statement associated with me in any way No tax return information associated with me in any way No articles of Incorporation for XXXX & XXXX XXXX filed with the Secretary of State, which bear my name The signature on the loan is not mine and never lived in XXXX XXXX. 

It is also alarming that the bank officer on the loan application has the same last name of the treasurer of XXXX XXXX XXXX.
Product: Debt collection

I received a bill from ERC in XXXX Florida stating that I owe XXXX. 
The issue is they are claiming its from XXXX XXXX XXXX who I called and has no record of debt. I was ready to write this off as a scam, except that after reading up on it, they seem to have the ability to put this on my credit report. I cant give them my information now that I know theyre not trustworthy, and I cant just leave it. I need assistance. 

XXXX actively trying to adopt and also save for a house. This could hurt all of my progress if not corrected and is clearly a coercion attempt that they have put many people through. 

Here is the information they sent.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint against the Department of Education and any affiliated student loan servicers for violations of my federally-protected privacy rights pertaining to the handling and disclosure of my confidential student loan records and data. 

Under the provisions of the Family Educational Rights and Privacy Act ( XXXX ) ( 20 USC 1232g ( b ) ), all student loan information maintained by the Department of Education is considered a protected education record subject to strict privacy controls. Unlawful dissemination or release of these records can constitute a XXXX violation. 

It has come to my attention that there have been improper actions related to the treatment and sharing of my private student loan details by the Department and/or its contracted loan servicers. Specifically, I believe my student records have been mishandled, inaccurately reported, or wrongfully disclosed without my consent. 

Such actions would not only breach XXXX 's confidentiality requirements for education records, but also run counter to the XXXX intent behind the Fair Credit Reporting Act outlined in 15 U.S. Code 1681. This statute emphasizes the need for consumer reporting agencies to uphold accuracy, fairness, and respect consumer privacy rights per section 1681 ( a ) ( 4 ). 

Given that XXXX deems student loan data as protected education records, improper treatment or disclosure violates not just XXXX but also the FCRA 's mandate for exercising consumer privacy responsibilities with impartiality and proper regard for confidentiality as stated in section 1681 ( b ).

I am requesting the CFPB to immediately open an investigation into this apparent violation of my statutory student privacy rights by the Department of Education and any involved student loan servicers or contractors. Failure to safeguard my protected records is unacceptable. 

Please advise on the corrective actions and enforcement steps your agency will take to address this complaint, ensure accountability, and prevent any future infractions against lawfully-required student data privacy and confidentiality standards. 

Thank you for your timely attention to this serious matter of protecting student privacy rights.
Product: Mortgage

We started working with New American Funding in XX/XX/2018 to obtain a VA loan for the house we are currently living in. After 5 months they told us we had late payments from 3 years ago during a bankruptcy and for that reason they were denying us the loan. My understanding is the VA requirement is no late payments in the past 12 months which we meet the standard. Only after we met every other qualifying point did they fault us for the late payments during our bankruptcy from 3 years ago. 5 months of hearing we are almost qualified only one more thing and you'll be qualified. Your rep is out sick. Here is a new rep. After 5 months we were denied. This is not fair lending practive.
Product: Credit reporting or other personal consumer reports

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

Ive recently been monitoring my credit through XXXX and received a notification of an unusual debt for {$170.00} from CREDIT MANAGEMENT LP. Ive never heard of this company before. When I tried to contact this company through their phone number [ XXXX ] no one answered the phone. I called back and they claim they dont have my information on file. 

I request your cooperation in removing my credit report to remove this collection of {$170.00} Reported on XX/XX/2023 ( XXXX, XXXX 2023 ). 

After reviewing my credit report, Ive come to the realization. Furthermore, per the Fair Credit Reporting Act ; Section 611 ; Subsection A-D, Im entitled to the contact details of each individual with whom you verified the above accounts at my request so that I can follow up if necessary. 

Once youve completed your investigation, please let me know Please be aware that I am sending this letter on my behalf and have included a photocopy of my ID to verify my identity.
Product: Debt collection

Dear Sir/Madam, I am writing to file a formal complaint about an incorrect derogatory mark on my credit report, which has significantly impacted my credit score and financial well-being. Despite my efforts to resolve this issue through appropriate channels, there has been no satisfactory resolution, prompting me to seek the CFPBs intervention. 

XXXX. Incorrect Information Details : Account Name/Number : XXXX XXXX XXXX # XXXX Disputed Item : Derogatory mark for alleged unpaid membership fees Reported By : XXXX XXXX and XXXX XXXX Date Reported : Retroactively on XX/XX/XXXX XXXX. Background and Steps Taken to Resolve the Issue : I was a member of XXXX XXXX under an XXXX contract from XX/XX/XXXX, which was completed on XX/XX/XXXX. My account was initiated at the XXXX, Ohio XXXX XXXX. I was notified that my membership was being transferred to the XXXX, Ohio XXXX XXXX at some point during my 18 month contract. Following the satisfaction of the terms of my agreement, I continued on a month-to-month membership basis. In late XXXX XXXX, I made several attempts to cancel my membership and requested the cessation of charges to my credit card, both verbally and in writing. My communications were disregarded, and charges continued. Moreover, in XXXX of XXXX, I sustained an injury that rendered me unable to work as a full-time firefighter ( my primary income source ). Ultimately, I was unable to exercise either as I would undergo XXXX on XX/XX/XXXX. ( see attached doctor 's note ) In XXXX of XXXX, I was contacted via XXXX Mail by XXXX, XXXX, and XXXX regarding a debt collection attempt. I communicated with them via email on XX/XX/XXXX and XXXX, XXXX, and sent a certified letter on XX/XX/XXXX, requesting an investigation into the matter, all of which were ignored. I called them on XX/XX/XXXX to follow up after no communication was received. They replied, stating simply that they had " closed my account. '' The representative I spoke with was not helpful and offered no other information. 

Subsequently, I discovered a derogatory mark on my XXXX credit report dated XX/XX/XXXX, placed by XXXX XXXX and XXXX XXXX a company I had not previously been in contact with, or knew existed. The first communication from XXXX was received on XX/XX/XXXX, nearly a year after my initial dispute and cancellation requests. The presence of multiple collection companies further complicated the matter and rendered me totally confused and helpless about who to contact to resolve the " debt. '' Despite my dispute filed with XXXX on XX/XX/XXXX, and exhaustive attempts to communicate in good faith with XXXX XXXX, XXXX, XXXX, and XXXX, and XXXX XXXX, there has been no resolution or acknowledgment of my efforts to rectify this error and the incorrectly placed negative mark remains on my credit report.
Product: Credit reporting or other personal consumer reports

Hello CFPB : My name is XXXX XXXX and I was attempting to procure a loan from SANTANDER BANK via XXXX. All of my documentation : -paystubs -drivers license -bank statements -social security car -selfie -insurance -phone bill was provided validating my employment, earnings and identity. 

SANTANDER BANK uses an identity verification system that accesses XXXX XXXX. This system was not able to verify me. I contacted XXXX XXXX case # XXXX ( XXXX was the name of the representative I spoke with XX/XX/year>. I had previously spoken to them also case # XXXX last week regarding this ) They mentioned that due to an identity theft issue I incurred in the past ( FTC # XXXX ) that I was 'opted out '' of the public database that SANTANDER BANK uses. They requested I provide identity verification documents. I uploaded the following -passport -SSN They verified me manually and suggested I tell XXXX to do that. While working with XXXX I was working with a gentleman named XXXX ( didn't get his last name but I do have his phone number if needed ). He contacted SANTANDER BANK explaining the above. 

SANTANDER mentioned despite all that I provided and what XXXX XXXX mentioned. They can't proceed. I don't think this is a good business practice as someone that works in information technology, I'm well aware of manual overrides to things that happen where the system is wrong.

I was advised during my identity theft issue to opt out as an apartment along with a rental car that was never returned was done using my identity. While that was 4 or 5 years ago I'm still suffering because of this based strictly on my identity not being verified in a system their bank is interfacing with. XXXX XXXX ( the identity system ) states I exist ( obviously ) but somehow SANTANDER does not or is not accepting the override that XXXX XXXX did after verifying me which makes no sense. 

Thank you for your assistance in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally submitting my CFPB complaint for the removal of fraudulent items in my credit file. I am not satisfied of my previous report as I found out. The fraudulent items listed still remain on my credit report in violation of Federal Law. The credit bureaus failed to comply with within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Based on my FCRA Section 605b, the credit bureaus are obliged to remove such fraudulent information in my credit file. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. The following items should be remove right away : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Balance : $ XXXX XXXX XXXX  ( XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/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 ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/2022.
Product: Vehicle loan or lease

Dear Ally Financial, I am extremely frustrated and disappointed with how my vehicle has been handled. Since the company had access to my car, my front driver seat button is making noise and struggling to move back and forth. Additionally, I now have dents on the front right side of my vehicle. I have pictures as proof and expect a resolution. I am seeking reimbursement for the damage and my vehicle. 

Sincerely, XXXX XXXX
Product: Credit card

Dear CFPB, I applied online and was approved for a Citi XXXX XXXX card in XX/XX/XXXX XXXX 

However, after the card supposedly shipped, the website said it could not be delivered, and I never received the card. 

After several emails and phone calls to Citi customer service, being transferred and hung up on repeatedly, and giving them my mailing address again multiple times, I still never received the card. 

As of XX/XX/, I still do not have the card I was approved for, and I would like to report Citi for fraudulent business practices and possible harm to my credit score. 

Thank you. 

XXXX XXXX
Product: Vehicle loan or lease

Subject : Complaint Regarding Ford Motor Credit Violating FCRA Rights Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Ford Motor Credit regarding multiple discrepancies in the reporting of my payment history on my credit file. These discrepancies have violated my rights under the Fair Credit Reporting Act ( FCRA ) 15 USC 18681 e ( b ), and I seek your assistance in resolving this matter.

Over the past several months, I have filed multiple disputes with the credit bureaus regarding the inaccurate reporting of late payments on my credit file by Ford Motor Credit. Despite my efforts to rectify this issue, it persists, and I believe it is imperative for the CFPB to intervene.

Specifically, I request that Ford Motor Credit obtain a copy of my credit report and conduct a thorough review of the payment history associated with my account. I am particularly concerned about the missing payment history for the first four months of my loan and the inconsistent reporting of late payments, such as the discrepancy between XX/XX/2017 being reported as on time despite evidence suggesting otherwise. 
Furthermore, I firmly believe that the inaccurate reporting of my payment history by Ford Motor Credit has adversely affected my credit score and financial standing. As a consumer, I have the right to accurate and fair reporting of my credit information, and the ongoing discrepancies in the reporting of my account are unacceptable. 
Therefore, I respectfully request that Ford Motor Credit take immediate action to rectify these issues by deleting and removing the inaccurate account from my credit file. This action is necessary to restore the integrity of my credit report and protect my rights as a consumer.

Thank you for your attention to this matter. I trust that the CFPB will investigate this complaint thoroughly and ensure that appropriate measures are taken to address the violations of my rights by Ford Motor Credit. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX : I filed a dispute about a charge on my credit with Capital One - credit card account number ending XXXX. This credit card was also closed by me following my complaint. 

XX/XX/XXXX to XX/XX/XXXX : Capital One, after several months and exchanges of information, advised me on XX/XX/XXXX, Capital. One Case XXXX, in a letter addressed to me, advised me they would be crediting my closed credit card in the amount of {$60.00}. 

They then advised me I would receive a check from them for {$60.00} within 60 days. 

To date, I have not received the credit to my account in the form of a check, as promised.