23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX I was placed in an involuntary forbearance due to account migration. I contacted Mohela and asked them if this would impact my payments for my public service loan forgiveness. I was informed to know that that would have no impact. I advised them I did not want to be placed in forbearance as my loan was due on the XXXX, the forbearance was placed on the XXXX, and the account migration should be done in plenty of time to be able to make my payment without incurring a late fee. Mohela agreed and said that I should be able to make my payment once the migration was done and that they would remove the forbearance. That did not happen. I submitted my PSLF forms which have been denied repeatedly because that XXXX payment has not been applied due to the forbearance that I was involuntarily placed that was unnecessary for my account. The letter received from Mohela informed me that This would have no impact upon my loan. Yet it has prevented me from public service loan forgiveness. I made my payment on XX/XX/year>. Thus my loans should be forgiven or in the process of public service loan forgiveness. On XX/XX/XXXX I contacted Mohela once again and their staff informed me that they would remove the forbearance for XXXX and XXXX in order for me to be allowed to be considered for forgiveness. That still has not happened. I've been repeatedly lied to by staff at Mohela. I've tried everything in my power to try to resolve this issue including requesting a reconsideration which nothing has happened with, requesting to be placed back into repayment so I could make my one payment in order to have my loans forgiven nothing has happened with it either. I have requested to buy back a month and that application has not been processed. I have also requested reconsideration of my payment counts and nothing has progressed with it. I have submitted at least 11 complaints to try to resolve this issue. I have made 122 payments on this loan. My loan should have been forgiven months ago I want this escalated to the Department of Education. Not to mention I have filed three complaints with the OIG. I have made numerous phone calls and contacted both the servicer and XXXX XXXX designated communication methods. 
As I have been actively trying to resolve this issue for 6 months. I am requesting immediate discharge of my student loans due to servicer misconduct and based upon the misconduct of The Department of Education Student Aid Department. Their website specifically states this account migration will not impact my loans ' forgiveness and yet it has due to the denial of the XXXX Payment for MOHELA 's involuntary placement of my account in forbearance. I have filed an OIG complaint that also includes screenshots of the Student Aid Website 's information about Mohela 's account migration. Along with proof of payment made with my bank statement, and a screen shot of payment counts from Mohela 's website. I'm tired of the constant delays and I've also disputed the debt with the credit bureaus.
Product: Bank account or service

My soon to be ex-husband about XXXX or XX/XX/XXXX not exactly sure exactly. It was right before his incarceration XXXX for defrauding the government of federal funds. He confessed that he was afraid of getting in more trouble for he had been withdrawing his deceased mothers Social Security benefits direct deposits into her Bank Of America account, and withdraw the money from our joint bank account or transfered the money to cover the stolen social Security benifits also Bank of America. Date of XXXX : XXXX to XXXX XXXX. Bank location XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. About XXXX through her ATM card. In the equalization of marital assets he has failed to comply with court on mandatory disclosure ive exhausted all ky marital assets in persuit of my half to pay back social security. I would so grateful to Consumer Finance in investigating this matter. I tried several times to get proof and to no avail. I first called Office of Attorney General, Federal Trade Commission got police reports from both XXXX and XXXX police and absolutely nothing. I just called XXXX last week again and was able to extract some useful information and was given your website and also your phone number. I really feel confident now that I am at least getting closer to a resolution. Thank you for your time. 
would need a subpoena to open and get statements to substantiate my claim.
Product: Credit card

I activated the XXXX XXXX XXXX XXXX XXXX cash back bonus deal on XXXX  and purchased {$90.00} in merchandise from XXXX that posted XXXX However, my account shows that it was not earned.
Product: Credit reporting or other personal consumer reports

There are names and addresses on my credit report that I am not associated with
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed Account : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XX/XX/XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I turned in my Infiniti auto lease in XX/XX/2017. All my monthly payments were made at the time I turned in the car, there was no balance due. Further, I had this Infiniti Professionally detailed costing me {$220.00} prior to turning it in, as I do with all my leases, the car was spotless. The dealer gave no indication anything was owed on this car, because there was nothing owed and I have not received any paperwork or accounting from Infiniti or the Infiniti dealer suggesting otherwise.

It should also be recognized that unfortunately some dealerships have a habit trying to charge unjustified fees at the end of leases and blackmail consumers by reporting this inaccurate information to the credit bureaus until the unjustified balance is paid. 
I am requesting photos all information from Nissan- Infinti LT that would support this phantom fee of {$760.00}.

What exactly is the fee for?

Documents or photos that may support whatever Nissan-Infiniti claims this fee is for?
Product: Credit reporting, credit repair services, or other personal consumer reports

supporting information attached. I did not give permission for an inquiry through XXXX XXXX XXXX - check the signature and date on attached document. Please remove this unauthorized inquiry from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I obtained a copy of my credit report, and I noticed accounts in collection that I do not believe to be mine. I reached out to the creditor and mailed a letter requesting detailed information, and they did not respond within the XXXX window for a dispute with the requested information. I am now requesting to provide that information in a timely manner or remove it from my credit report.
Product: Student loan

On XX/XX/year>, MOHELA sent me a letter saying that, as I was enrolled in the XXXX Program, that my loans would be placed in forbearance & no interest would accrue. On XX/XX/year>, MOHELA sent another letter saying that even tho I'm in forbearance, interest has and will continue to accrue. It's confusing and seems really unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these 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/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit card

I reported that my Bank of America credit card, generally used by my son XXXX, was lost or stolen in early XX/XX/2023, with the result that the card was used by an unauthorized, unknown thief to make multiple charges over the course of the month, totaling {$1300.00}. The first fraudulent charge was made around XX/XX/XXXX and they continued throughout the month of XXXX, generally in small amounts of {$20.00} to {$40.00}, resulting in the final amount of {$1300.00}. All or nearly all of the charges were from XXXX, XXXX, where my son had visited in early XXXX but left to meet us in XXXX on XX/XX/XXXX. He did not report the card as lost until I noticed the fraudulent charges near the end of XXXX, at which point I immediately notified Bank of America. They started a claims and published a " resolution letter '' on XX/XX/XXXX stating that XXXX, unfortunately, were unable to approve your recent claim. 
Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' But as I stated, the credit card was lost or stolen as of early XXXX and the charges were not made by anyone who was allowed to use the card.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Notice Dear Jefferson Capital Systems , LLC I am writing to formally request that you cease all debt collection activities regarding the account with reference number XXXX Please be advised of the following : XXXX. **Cease Communication** : I request that you immediately stop all communication with me regarding this debt, including phone calls, letters, and any other form of contact. 

XXXX. **Verification of Debt** : If you continue to pursue this debt, please provide me with written verification of the debt, including the amount owed, the original creditor, and proof that you are authorized to collect on this debt. 

XXXX. XXXX XXXX : I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which protects me from abusive or deceptive practices by debt XXXX. If you continue to contact me or fail to provide verification as requested, I XXXX report this to the appropriate authorities. 

Please treat this letter as a formal request to cease and desist all debt collection activities related to this account. If you do not comply with this request, I will take the necessary legal steps to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Ensure you send this letter via certified mail with a return receipt requested to have proof that it was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$13000.00}.
Product: Checking or savings account

I was a victim of identity theft twice over the years. I have lost every bank account I had due to this situation, and I have yet to regain access to any of my accounts that I had with XXXX, XXXX XXXX, and Bank of America before all this happened. In reference to Bank of America, I was dealing with the death of my XXXX XXXX  when I initially found out about it, so I did not dispute or address anything right away. When I did, I was denied access multiple times moving forward. I filed a total of THREE re-reviews and was still denied. Feeling like I was running out of options I contacted the XXXX XXXX XXXX XXXX XXXX XXXX who the banks use to run customers consumer reports before allowing them to open a bank account to dispute the information the banks provided to them. In doing so I provided the police report & letter from the Federal Trade Commission and the information was removed from not only my XXXX XXXX  report but XXXX XXXX XXXX as well. To be treated like the accuser instead of the victim is sickening to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian violated my rights... In accordance with The Fair Credit Reporting Agency Act 15 U.S.C 1681 section 602 A 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 consent. Experian has the incorrect address, DOB and telephone number listed on my report. I advised them that the information was correct and nothing was done. They put a fraud alert on my report and the fraud report is listing an incorrect phone number to call me at. Experian should not reach out to 3rd, 4th and 5th parties to verify information about me. Per the FCRA my report needs to be 100 % accurate. Proof of address attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB on XX/XX/XXXX, about repeatedly writing to transunion fraudulent inquiries on my credit report. As of today all of those fraudulent inquiries have been removed except for three. XXXX. XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX and XXXX XX/XX/XXXX. I spoke with transunion fraud department today about those three fraudulent inquiries left on my report and was told I did not include them in my complaint filed on XX/XX/XXXX,...... please see complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still some items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED 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 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

law saids they have 30 days its been 35 days remove the ftc violations two XXXX XXXX XXXX all inquires 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 am trying to improve my credit score so called a collection company on XXXX XXXX and paid them {$160.00} for a debt. The XXXX XXXX company goes by American Collections Services on two credit reports and XXXX XXXX XXXX on another. 

I waited a month and saw that they have reported just days ago on another outstanding debt, but did NOT report that this debt is paid. Instead, they left it on my report. 

I know I have another debt to pay and hope to pay it soon, but would like my report to reflect the fact that the debt has been paid. It cleared my bank account on XXXX XXXX. 

The address and phone number listed on one credit report are : XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been Wait on payments of an attached copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand Those payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

My second stimulus check for {$600.00}. was scheduled for XXXX deposit. The money was deposited into an closed acct. that was not mine. # XXXX. I had to contact the IRS on XXXX XXXX and they recovered the {$600.00}. and told me they have to mail it to me and it would take 5 weeks and I still waiting for it. Now, they sent me my XXXX. stimulus and it was schedule to be deposit on. XX/XX/XXXX into that same # acct. XXXX which is not my acct. My acct. # XXXX which I closed onXX/XX/ So, I need someone to look into this matter and close out the acct.XXXX. Now, I have to contact the irs again, so they can recover the check and mail it to me. I just received my new card. So, I'm requesting that someone look into this matter and close out that acct. XXXX. If you need to contact me. ( XXXX  ) XXXX Thank you kindly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit Bureau to have my accounts locked and inquires I received investigated. The Credit Bureau refused to investigate the inquires and they are reporting incorrection information. I have not been able to have them investigate this and they refuse to investigate, and they are aware that they are reporting incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I was attempting to buy a XXXX XXXX. I had asked the dealership to not run my credit because I already had a bank that I wanted to use for the loan. However, even though I did not authorize it, the dealership ran my credit anyway. I ended up finding out several weeks later when I received some letters in the mail telling me I was not approved for the loan. I was extremely confused because I knew I had not authorized these inquiries but also because the notices told me that I had a very high credit score. In fact, I had an XXXX credit score! Needless to say, I should not have been denied this auto loan but I didn't have the time to go back and forth with the dealership about it at that time. A few months later I decided to look into this issue and requested my credit reports but I have not received my reports from XXXX and XXXX XXXX XXXX even though I have ordered them at least 3 times since XX/XX/2020.
Product: Checking or savings account

I deposited 2 cashier 's checks of US {$20000.00} each on XX/XX/XXXX  into a checking account with Bank of America. On XX/XX/, Bank of America closed my account without explaining the reasoning and illegally withheld and kept the funds from this account ( a total of US {$40000.00} ). They claim that they do not have the funds, however, the funds deposited were from cashier 's checks which they already cashed. They cashed the checks on XX/XX/2022 and the funds were already transferred to my Bank of America account. On XX/XX/2022, Bank of America withdrew the {$40000.00} from my account and closed the account. 

I went back the Bank of America branch where I made the deposit and have spoken to the account manager and branch manager, XXXX XXXX. I was told that " the back office decided to start an investigation '' and that he no longer has any access to the account or what the back office is doing. He stated that he knows I am a longtime client of Bank of America and is aware that I have other accounts at their bank, however, once its in the back office, there is nothing he can do. He said he no longer has access to the account. He advised me to call Bank of America directly which I did, but never got any explanations or direct answers. I have continued to contact Bank of America numerous times and all they tell me is that I have to wait until the investigation is over, but they don't provide any estimate or details. I asked if there was any information that I can provide to help with their investigation, but she said there is nothing. Its been a year and I still have not heard back from Bank of America and my funds have still not been returned to me. They have never provided me with any details or court orders with regards to where they are holding my funds. 

I have received confirmation from the bank where the cashier 's checks originated from, and they have provided the swift routing details showing that the cashier 's checks were cashed and funds were transferred to Bank of America. However, Bank of America denies that they are holding my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/DEPT OF ED Balance {$13000.00} Balance updated XXXX XXXX, XXXX I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 
XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX 2023
Product: Mortgage

Two complaints regarding my mortgage servicer Amerihome Mortgage.

1 ) They have yet to release the overage of my escrow account balance despite the fact that I prepaid my 2nd installment of property taxes on XX/XX/XXXX. I have contacted them on XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX. I have requested this for nearly 30 days now.

2 ) They continue collecting {$7000.00} in property taxes despite being provided evidence that my annual property tax bill is {$6100.00}. My property has already been reassessed and supplemental tax bills have been paid.

Therefore, I believe both the balance they are holding, and the amount they are collecting to be in excess of what is allowable. I would like for this to be confirmed by the CFPB.