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

THERE ARE SEVREAL THINGS ON MY CREDIT REPORT THAT IS NOT CORRECT THE XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXXXXXX XXXX XXXXXXXX {$300.00} AND THE CAR I PAID OFF STILL IS SHOWIN UP ON MY CREDIT AS OPEN I PAID THIS CAR OFF AND THIS NEEDS TO BE UPDATED ON MY CREDIT REPORT. I HAVE SEVERAL INQUIRES ON MY CREDIT THAT I DID NOT DO AS WELL. 
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  PLEASE REMOVE THESE ITEMS FROM MY CREDIT REPORT.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2023 requested in writing loan agreement to be email to me so I can send to my mortgage company to pay loan off. Service Loan will not send agreement and this is a time sensitive matter.
Product: Student loan

Dear Sir/Madam : I hereby submit this complaint regarding the incorrect and untimely processing of my PSLF submission to MOHELA. 

I faxed my PSLF application ( which was filled out correctly with employment dates/signatures from prior employers since XXXX ) on XX/XX/XXXX. Each of my prior employers qualified as employers for the PSLF Waiver. At the same time I applied for a Direct Consolidation Loan with the US Dept of Education. During the subsequent weeks, I reached out to XXXX XXXX XXXX and MOHELA several times to inquire about the processing of my PSLF form. 

I called Mohela on XX/XX/XXXX and then on XX/XX/XXXX ( on hold waiting for XXXX hour and XXXX minutes ) and spoke with " XXXX '' who confirmed that MOHELA had received all the application documents and the application was complete and would be processed in about XXXX  days. 


On XX/XX/XXXX I received a letter that my Direct Consolidation loan application and request for PSLF was received. 



On XX/XX/XXXX I received a letter that my Direct Loan Consolidation Application had been processed. I then called Mohela to confirm receipt. I was then told that the application process would take about 60  days. 


I received a letter in late XXXX dated XX/XX/XXXX a letter via postal mail from MOHELA stating that I did not qualify for the PSLF program due to insufficient payments ( stating therein that only XXXX of the required XXXX payments ). I attempted to call MOHELA several times after I had received the aforementioned XX/XX/XXXX MOHELA letter to contest the insufficient payment assertion as it was clear that the PSLF form was not processed correctly by MOHELA per the PSLF Limited Waiver requirements. I finally reached someone on XX/XX/XXXX XXXX XXXX XXXX and spoke with " XXXX '' who told me that this was an automatic response and that MOHELA had my entire payment history and that the payments would be updated within their system and the PSLF forms would be re-processed further to the PSLF Limited Waiver. She further stated that the " team will reprocess the application, '' and " all [ of my ] forms were approved, '' that there was " nothing else to do on [ my ] end '' and that the processing of my PSLF form would take another 60-90 business days. 


Yesterday on XX/XX/XXXX I received a letter dated XX/XX/XXXX from MOHELA that I STILL do not qualify for the PSLF program due to insufficient payments ( stating therein that only XXXX of the required XXXX payments ).
Product: Credit reporting or other personal consumer reports

I am so exhausted I've been trying to correct things with transunion but it's no response no reply nothing! I sent so many letters certified and I still get no response. please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within 30 days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts. 

please help me as these aren't my accounts Genesis XXXX XXXX {$7800.00} kickoff {$0.00} XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and Im writing to you LET YOU KNOW THEY ARE NOT TAKING MY DISPUTES SERIOUSLY! Dispute the fraudulent accounts in my file that I did not make or authorize. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in a constant struggle with Navient and their practices in reporting loan information. I have asked for information to be corrected in credit report to no avail. They have ignored my request for correction with document from Navient indicating my loans were forbearance and still continue to report late. In addition all the response I receive from the credit agencies are changes to the terms. Which I am not aware of any changes on terms.
Product: Debt collection

On XXXX the first I contacted franklin collection agency to settle my collection when I contacted them they stated that the account was pending to post to my credit report they also stated that if I settled the account for 70 percent of what i owed which was XXXX that said that they would not report the collect to the credit reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$6500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX XXXX the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}.
Product: Consumer Loan

We financed a car with Tidewater XXXX XXXX in XXXX XXXX and did well with payments until we hit a financial wall. We then went through their fresh start to remove any past due payments and start over with making on time payments. Our car was repossessed by Tidewater XXXX XXXX in XXXX XXXX three days AFTER we made the agreed upon payment and setup our next arrangements. It was sold within 2 weeks. We offered on many occasions to work out a payment plan but due to lack of employment the amount was significant enough for them to agree to anything. We applied for a mortgage and discovered a judgement on our credit report from Tidewater XXXX XXXX through XXXX County and them filing a lawsuit against us. We were never served any documents and unable to respond to anything in court. The first paper we received was from their attorney that they tried to serve us and were unsuccessful. The paperwork states that someone knocked and no one would answer despite noise inside ( this is false ). The paperwork also states that someone answered the door and said they were our roommate ( again, false. We have never had a roommate and know no one fitting the description that they mentioned ). I did n't hear or receive anything from them until I received paperwork saying that a judgement had been entered by XXXX County Court. Along with the judgement, Tidewater has not charged off the account and still reports monthly to the credit bureaus.
Product: Debt collection

I 'm dealing with Allied Collection Services over a medical debt from XXXX. Under threat of the debt being reported to the credit agencies, which could result in me losing my professional license and my ability to receive the business loan I need to start a business five years in the making, I agreed to start making monthly payments with the stipulation I not accept responsibility for the debt. I had been keeping track of the balance owed and called to reconcile my balance sheet at which time I learned {$2800.00} in collection fees and interest had been added to my account, more than three times the legal limit of XXXX + the prime rate of the largest Nevada bank. Allied claimed the creditor added it prior to sending it to collection, the creditor said they add on what Allied tells them to in order to cover the cost of hiring Allied to collect the debt. Over 45 days ago I asked both Allied and the original creditor for a copy of any payment agreement I signed agreeing to pay this amount of interest and fees. Allied said the original creditor would have it if something like that exists. The creditor says the payment agreement I signed is somewhere in storage and it would take two weeks before they MAY be able to retrieve it. I called again today, 47 days after the original request and they said they had n't gotten it yet and to give them another two or three weeks. Allied wants another payment immediately. XXXX XXXX, the rep for Allied said not making a payment will result in the credit agencies receiving the debt, my payment agreement becoming void, and a lawsuit filed against me for the balance. 
Also, as you can see on the documents I 've attached, most of the {$3500.00} I 've paid toward the debt has been put toward interest and fees instead of to the principal as mandated by Nevada statue XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding my Bank of America XXXX XXXX Credit card ending in XXXX. I am a XXXX XXXX XXXX XXXX and have been a Bank of America military banking customer for almost 20 years. I pay all of my bills of time and never had a late payment in 25 years of my credit history. I was unaware that I owed a charge of {$18.00} on this card. Bank of America made no attempts to contact me. I previously tried to download the BOA on my iphone numerous times but there was a continual error with the app. I was made aware that I owed this {$18.00} through a seperate credit monitoring service through XXXX. As soon as I learned that I owed this money, I called BOA and paid the {$18.00} and an additional {$1.00}. 

Bank of America reported this late payment to the credit agencies and, as a result, my credit score dropped over 100 points from XXXX down to XXXX. I made numerous attempts to contact Bank of America and was told they would not help me and would not offer a goodwill adjustment. I've worked hard to build my credit score pride myself in paying all bills on time. I believe that it was excessive to drop my credit score by over 100 points for a single late payment that I did not realize that I owed. I am also concerned that this negative report will hurt my career because I have a security clearance that must be renewed.
Product: Credit card

On XXXX XXXX of this year I had gone online to buy a plane ticket. In order for me to get the maximum discount of {$100.00} dollars the company, Spirit Airlines, said that I would have to apply for a credit card through Bank of America. I went through the procedure, but lo and behold, after I had gotten the ticket, the discount was n't applied. I contacted the airlines and told them that they did n't add the additional discount and they told me that that was too bad, and then I told them if that 's the case then I am canceling my flight order. They told me that was n't possible, and I said if you do n't honor an agreement, then the agreement is null and void. They told me that the flight was non refundable and so then I contacted Bank of America the same day, and told them that I was canceling the credit card and it 's order. The said it would be under review and I did n't hear anything about it until XXXX XXXX of this same year. Bank of America told me that Spirit Airlines had filed for compensation and that they, Bank of America, felt obligated to honor their request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted each company about multiple inquiries and all said to call credit reporting company. some said they have no record of my information in system XX/XX/2021 I contacted XXXX  and they told me to file ftc report and they would remove unauthorized inquiries.
Product: Debt collection

I was sent to William XXXX Fudge collecting agency and was told back in 2017 that XXXX University Online and XXXX University Online had broken the law regarding the scare tactic and threaten to send me to jail over a debt that I had never owed and was not to have enrolled in their school.
Product: Credit reporting or other personal consumer reports

Volkswagen credit stated I had 30 day late payment but the money came out of my account on XX/XX/year>2024 in the amount of {$420.00} my due date is the XXXX of every month. I have proven transactions statement from bank to prove this amount was taken out of my account from Volkswagen Credit.
Product: Credit reporting or other personal consumer reports

I HAD A VEHICLE THAT I HAD GOTTEN FROM XXXX XXXX, AND THEY MADE A CREDIT SALE TO XXXXXXXX XXXX, SO FIRST OF ALL THE ACCOUNT THAT THEY ARE REPORTING IS AN INSTALLMENT LOAN WHICH IS FACTUALLY INCORRECT. THE ACTUAL ACCOUNT IS A CREDIT SALE AGREEMENT. I HAVE THE RIGHT TO A FACTUAL CREDIT FILE AND DISCREPANCIES LIKE THIS ARE UNEXPECTABLE PLEASE REMOVE IMMEDIATELY, AS WELL AS I GAVE NO WRITTEN CONSENT FOR XXXX XXXX TO FURNISH AND VIOLATE MY RIGHTS AND CREDIT FILE, I HAVE THE RIGHT TO PRIVACY, IN THE LAW. 15U.S.C 1681 SECTION 602, ALSO IN 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 TO IS INACCURATE, SO I WOULD LIKE THIS ACCOUNT REMOVED IMMEDIATELY. 
LASTLY XXXX XXXX  HAS CHARGED ME AND STILL REPORTING LATE PAYMENTS AFTER THE CAR WAS REPOSSESSED, I HAVE AN EMAIL FROM THEM STATING THAT THE MONTH AFTER THEY TOOK THE VEHICLE THAT INSTEAD OF CHARGING MYSELF THE LATE AMOUNT REPORTED THAT THEY WERE GOING TO CHARGE ME 5 MONTHS WORTH OF PAYMENTS TO GET THE VEHICLE BACK THIS IS ILLEGAL AND I HAVE THE RIGHT TO ACCURATE CREDIT FILE AND DISCREPANCIES AS WELL AS ILLEGAL BUSINESS LIKE THIS UNEXCEPTABLE, PLEASE REMOVE THIS ACCOUNT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I set up automatic payment to the credit card and they send me a letter saying the bank rejected the payments and called my bank and they dont show any returns checks. I have my bank statements showing there is money never being late and they caused my credit report to go down. It is affecting my life as right now. I have also proof that I set up the automated payments and didnt know I was late.
Product: Credit reporting or other personal consumer reports

My credit report contains multiple mistakes, including late payments that dont align with my payment record. Please correct these errors and update my account accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im highly dissatisfied with the experience I am getting with Equifax and XXXX. On XX/XX/2020 I notified Equifax that it was multiple errors with XXXX. They responded saying the information was correct and verified with XXXX. So, I tried to contact Medicredit and I had no response, so I began to ask Equifax what their procedures is. They then told me they contacted them to verify everything, I was still shocked because Ive yet to get in contact with XXXX. The other Bureaus was not able to contact them, so they removed the information. So, this puts me a great belief they never contacted XXXX. Equifax did not want to investigate the matter again until I let them know I was contacting XXXX, with no successful response. They then responded with it has been verified. Once again XXXX has not responded and has violated the law, how is it Equifax is verifying information? 

Please also find attached to this letters sent to Equifax along with XXXX.
Product: Credit reporting or other personal consumer reports

My XXXX XXXXXXXX account was bought by XXXX XXXX XXXX and I paid the account off on XX/XX/year>. I would like this removed asap off of my report.
Product: Mortgage

My monthly mortgage payment with Nationstar prior to XX/XX/XXXX was {$1.00}, XXXX. I was informed by my new mortgage loan company would be Mr. Cooper, and that I have an escrow shortage of {$2000.00}. XXXX. After speaking to the escrow specialist from XXXX XXXX I was informed that my Taxes had increased by {$270.00} a year. It was further explained that I was actually {$2700.00} short. The escrow analyst reported that my actual shortage was really {$1400.00} and XXXX XXXX took it on themselves to charge me an additional {$1300.00} since they were the ones to cover the escrow shortage of {$1400.00} which totals {$2700.00}. When I first acquired the loan on this home approximately 13-14 years ago my monthly payment was around {$1200.00}. XXXX. I refinanced this loan about 5 years ago for a 10 year mortgage bringing my monthly payment to around {$1300.00}. A year or so later my mortgage company changed and I was told Again and Again that my escrow was short. each time the mortgage company told me that my escrow was short my monthly payment would rise. Now my mortgage company has changed again and again my mortgage payment has risen by about {$200.00}. I first purchased this home in XX/XX/XXXX for around {$120000.00} and my payments was around {$1300.00}. I now have a mortgage balance of {$73.00}, XXXX and my monthly payment is {$1700.00}. It seems that the more the balance decrease the payments should decrease as well or remain close to the same. There is clearly something wrong with this picture. PLEASE HELP. I do not want to go into foreclosure or have to pay for a foreclosure specialist that I can not afford.
Product: Credit reporting or other personal consumer reports

I have noticed multiple unauthorized hard inquiries on my credit reports specifically from XXXX and Equifax. I was able to obtain this information using XXXX XXXX XXXX of these hard pulls came from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. Upon noticing this I reached out and called the creditor, and I was told that the XX/XX/XXXX report they have already removed and that the credit bureau was notified by them to remove this hard inquiry months ago. XXXX XXXX began another investigation into the XX/XX/XXXX incident. 

The XXXX hard inquiry is from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX dating back to XX/XX/XXXX. 


These 3 hard inquiries have significantly harmed me and prevented me from obtaining credit cards which I really have desired. 

I WOULD LIKE TO FINALLY HAVE THEM REMOVED OF MY CREDIT REPORT AND STOP HARMING MY CREDIT SCORE IN THE FUTURE
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a recent data breach. As a result, fraudulent accounts and inquiries have appeared on my credit report that I did not authorize. 
In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$13000.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX The claim number listed above give details of the initial complaint. XX/XX/year> was the day this complaint was initiated today is XX/XX/year> surpassing the 30 day allowing the company to gather the appropriate documentation to counter act my claim. I have already give notice to the company the IRS accepted my 1099a so I am warranting XXXX XXXX XXXX XXXX to preform their obligations updating the account and all reporting attached to my accounts. I have not received any information proving the IRS did not accept my documentation and am requesting the following XXXX XXXX  accounts be removed in good standing and all payments stopped until I receive my consumer portion Copy XXXX  of the 1099a allowing me to know XXXX XXXX has done their due diligence in correcting this matter. If XXXX XXXX refuses to provide such documentation due to negligence I am requesting the CFPB completes a formal investigation into this matter and ALL payment are stopped and my account is placed in a due not pay due not collected status until XXXX XXXX submits the proper documentation, I am fully aware all companies dealing with Registered security have an obligation to report all tax document with the grace of having it completed with 3 years of the issuance so if XXXX XXXX wants to wait, my account needs to be placed the proper status without negatively affecting my consumer report.
Product: Credit reporting or other personal consumer reports

Last XXXX, I applied to get a house as a lease. I was denied due to a rental industry collection that was found on my tenant screening. This was odd to me because I've never had a lease in my name or broken evictions or anything. When I called the number for the denial by Transunion I was informed that the account in question belonged to an old charged off account I had with a credit card company. I informed them that this was incorrect due to the fact that its a credit card and not a rental company and this information was miscoded. They said they were unable to change it because its what the credit card company reported. I contacted the credit card company and they informed me that it was not a mistake on their end but on the credit bureau in questions end. This is stopping me from being able to get a place for myself and my child to live.