23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a senior XXXX with the XXXX XXXX XXXX and have been with the Department for 11 years. I filed my employer certification with Mohela for XXXX in XX/XX/XXXX under the XXXX. At the time, I had XXXX of XXXX eligible payments. On XX/XX/XXXX and XXXX, XXXX, I received three letters from Mohela. The first stated that I had XXXX eligible payments and XXXX qualified payments for the XXXX. The second stated that my employer had provided an end date to my employment and my certification was not accepted. The third stated that Mohela had determined that my employer is not a not-for-profit and my certification was not accepted. 

The reasons for Mohela 's denial of my certification were factually erroneous. My employer did not check that I was no longer employed with them and the XXXX, a federal department, is in fact a non-for-profit. Since I could not cure Mohela 's errors by resubmitting documents, I called Mohela on XX/XX/XXXX. After a XXXX minute wait where the call was disconnected, I spend more than XXXX hours waiting to speak with a person. The person I spoke with reviewed my application and was able to verify that my certification was correct, the letters were erroneous, and the documents would be refiled internally. She further confirmed that Mohela has not accepted my employer certification since XXXX, XXXX. Until then, Mohela accepted the DOL as a not for profit with the same EIN, address, and name. 

I have contacted Mohela twice since XX/XX/XXXX because my account online still states, " Your PSLF eligible and qualified periods are expected to be updated through the XXXX XXXX XXXX process beginning mid to late XXXX based on your certified employment/employer. '' This message has not changed since XX/XX/XXXX. Each time I have called, there is no record that my certification is being reprocessed and I can not get any information from Mohela regarding the status of my loans. While Mohela has been " unindated '' with applications, they are failing to record and provide basic account information, properly review submitted information, and either have no process to correct their own errors or will not provide information on such process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to submit a complaint about my credit report information that is questionable. I would like to dispute certain inaccurate information in my file which I believe is possibly an Identity theft. The information are listed below : XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

I received XXXX calls from a person naming herself XXXX XXXX : She stated in the message that legal claim was filed against me and that I should call XXXX for more information. She gave the docket # XXXX. She called my Cell XXXX times and my job XXXX. Saying she had to verify information to serve me or call the company, XXXX XXXX XXXX and also Lakefront Processing Solitions. She left XXXX company names in the voice mail. In calling the company I spoke to a XXXX who stated I owed a Pay Day loan from 2012, I stated that was not possible as I did not request a pay day loan was for XXXX 2012. He then said the company was called XXXX that gave the loan. I advised that the loan was not mine, my credit report did not see this loan at all and he said well good luck. To which I replied I am putting a fraud alert on my credit. I have noticed that looking up this phone number and company name, that they have been calling lots of people in order to collect debts from the same month and year. They appear to be phantom debt collectorsThey appear to have a parent company as this name is a Ghost Business in the state of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, New York, XXXX
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federally Protected Consumer, I am now opting out of any and all authorization that I, the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. This is effective IMMEDIATELY, and INDEFINITELY.

My consumer report does not report pure accuracy, lacks permissible purpose, shows non-mailable addresses, misspellings of my name, shows credit transaction history, and shows my personal private information.

*SEE ATTACHED LETTERS*
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your XXXX. I would like these items immediately re-investigated. This inaccuracy is highly injurious to my credit rating. 
* XXXXXXXX XXXX XXXXXXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, After reviewing my credit reports, I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you have followed all applicable laws and regulations in your reporting. Therefore, I demand the removal of all negative and adverse remarks associated with these accounts. 

The inaccuracies involve the following accounts : 1. XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year> Status : Collection with a balance of {$620.00} XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year> Status : Collection with a balance of {$140.00} As you know, it is against the law to report any information that is not proven accurate. I demand that you provide me with concrete evidence of my obligation to the aforementioned accounts. ( If these matters have been properly taken care of, please disregard this letter. ) Please also be aware that I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft. As such, I request that you remove these accounts from my credit report immediately, as they are fraudulent and negatively impacting my credit score. 

If you are unable to provide the necessary documentation to validate these accounts, I expect all negative remarks to be removed from my credit report immediately. Please confirm in writing once these changes have been made. 

Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

Me and the consumer fin.protection bureau have 6 pages of receipts from XXXX XXXX of XXXX XXXX   showing where I stayed from XX/XX/XXXX and XX/XX/XXXX and you are saying in my credit report by XXXX/XXXX that I was staying at your house from XX/XX/XXXX to XX/XX/XXXX.that 's your charge of XXXX.The dept of consumer service commissioner got the information on paper you would not answer me or the commissioner.if you want to keep reporting to XXXX/XXXX credit report you going to have to tell me and the c.f.p.b. what do I owe you for? and if you can not you or going to get off my XXXX and XXXX credit report, the c.f.p.b. has my permission to open my credit.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion and Blocking of Accounts Due to Data Breach I am writing to inform you of a data breach and request that certain accounts and inquiries be blocked and deleted from my credit file, per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$42.00} XXXX XXXX XXXX - Account Number : ACC******************XXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX XXXX - Account Number : XXXX*********XXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX 2023
Product: Debt collection

IC System at XXXX XXXX XXXX XXXX MN XXXX has been hounding me to collect a final bill for my deceased daughter XXXX XXXX XXXX told me with a death certificate and alll equipment returned, there would be no charge for final bill. 
When IC System since the first collection notice I called XXXX to verify that the death policy was correct. It was confirmed it was. I sent XXXX this information and they continue trying to connect. This time they sent a disconnect notice and verification of the account in a copy of a XXXX bill. 
I called XXXX again and they have no account under either my name or XXXX nor the address or phone numbers. We have no account with XXXX and havent since she died last year. 

They also have tried to collect for XXXX XXXX XXXX. I believe they are a predictor company preying on survivors. Please help. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account XXXX : XXXX
Product: Checking or savings account

In the past I've been able to transfer money from my PNC account to an external account in whatever denomination I chose. Recently I wasn't able to do that, with a daily limit of {$2000.00}. 
I've tried to call multiple times to have this corrected and it hasn't been corrected. Recently I was told I'm not able to transfer more than this arbitrary {$2000.00} amount without a proper explanation. 
I was told to try to wire money instead of an external transfer and this too was denied. I talked to the " wire transfer '' department who said to do an external transfer ... .so this is circuitous and not at all helpful. 
This has been ongoing for several months. 
I'm losing money because PNC only pays a nominal interest rate with external accounts pay much more. 
Not only am I losing money, but PNC continues to make spread on my money as they are lending it out at a much higher rate. 
I'm concerned about this practice and believe in some ways they are stealing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following CITICARD opened in XX/XX/XXXX and paid in full via debt collectors, several years ago, after the statute of limitation already allowed for this debt to be canceled, has all of the sudden been reported XX/XX/XXXXwhy now? 

Ive been working hard to improve my credit score and now this appears out of the blue to damage it. Doesnt it seem very suspicious? 

Thanks for your attention! 
This has been paid in full at least 5-10 years ago, unknowingly after the statute of limitations made it unnecessary, through a debt collector : CITICARDS CBNA Account Details Last Reported XX/XX/XXXX Creditor Name CITICARDS CBNA Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$4700.00} Term -- Monthly Payment {$5400.00} Responsibility Individual Account. 
Balance {$5400.00} Highest Balance {$6900.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$5100.00} Times 30/60/90 Days Late 1/1/3 Remarks Charged off account Account closed by credit grantor
Product: Credit reporting or other personal consumer reports

Under FCRA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-I didnt authorize these companies to submit these inquiries.im disputing these inquiries and want them removed from my credit report.Please have these unapproved inquiries removed from my credit report with in 30 days as it is harming my ability to obtain new credit, job ventures ect.I would like a copy of my credit report once this matter is resolved.Credit companies treat inquiries like they are statement of facts and will not let consuers to dispute them.Since it is against federal law ( fair credit reporting act 15USC S 1681 n ( A ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissable purpose. I am writing toinquire as to thee alleged purpose to do so sice i did not apply or request credit from this or thier organization.Based on evidence those inquiries were obtained under false pretenses and kowing without permissable purpose, actual damages substained {$1000.00} which ever is greater.
Product: Mortgage

On XXXX XXXX, XXXX we made a request for a corrective mortgage discharge or an assignment to clear title to a property. Numerous phone calls, emails have been made to follow-up and a title clearing document is still not recorded. We are told " it is in process '' with no further explanation.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am unaware of this matter and the company acted without my permission.
Product: Debt collection

Bank of America called us in mid XX/XX/2019 to inform us that our account was " past due '' ; however, we have NOT received any Statement or documents re our Auto loan so how can we pay? amount to pay? BOA / XXXX XXXX said he had re-sent the Statement several times. After NOT receiving said Statement, we called BOA to follow up and talked to a XXXX XXXX ( BOA, Florida ) and learned from her that our address on file was incorrect! We are in XXXX XXXX, Nevada XXXX while the address they had was " XXXX XXXX, CALIFORNIA XXXX ''. So how will BOA Statement ever reach us??? We have informed BOA to correct our address on file and re-send this Statement via Registered Mail or XXXX or other Courier so there will be proof of our receipt. But BOA says 'not possible to do this '. We have also asked BOA to take a photo of Statement and email to us or to send to our phone ... again, 'not possible to do this '. To date, we have NOT received the said Statement. We request CFPB to require BOA to send us a WRITTEN Statement of details of our Auto loan ie. how much is monthly payment, Due Date etc. before we give them our Bank Account and Routing No. to make the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Submitting this complaint with the CFPB due to Equifax NOT being in compliance with the law of the FCRA section 609 ( a ) ( 1 ) (  A ). you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. On XX/XX/XXXX I sent a dispute letter to Equifax on XX/XX/XXXX, I received a letter back of dispute results stating that the company  that reported the information certified to Equifax that the information was accurate. I went back to the original company/ courts and a administrator told me that the court does not provide any information to the Credit Bureaus. I also was informed from the court administrator that the 3 major Credit Bureaus gather or claim to verify information from a program or companies called XXXX, XXXX, and XXXX. According to the FCRA this is NOT verification because neither one of these companies are 100 % the ORIGINAL furnisher of these records! An with Equifax doing this it goes against my rights as a Consumer.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. I demand that with my supporting documentation from the original furnisher that all public records be deleted and blocked from my Credit Report immediately. 

Thanks
Product: Credit reporting or other personal consumer reports

Experian and XXXX are reporting invalid accounts on my credit report and under any law is required for them to show you the original contract mot no XXXX party contract
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, I've sent several disputes on a hard inquiry that is being furnished on my credit report. XXXX XXXX XXXX. This information being reported is inaccurate and has violated my rights. 
Under 15 usc 1681s2, you can not furnish information knowingly inaccurate.

15 usc 1681b2, I must give written consent to furnish which I never did. 
This is not tied to any open account and being reported incorrect.
Product: Student loan

I created my Nelnet account on XX/XX/XXXX. I have not received any formal correspondence regarding the amount I am responsible for paying as of XX/XX/XXXX. The website did not provide any total until I signed up for auto debit on XX/XX/XXXX. The current auto debit is set to take out money on XX/XX/XXXX. There is no way to manually change the start date. 

Attempts to call Nelnet 's call center are met with an automatic response that there is a 30-minute wait time. After submitting SSN, Birthdate, and Zip code, the automated response informed me that the call center was closed. The initial call was made 1.5 hours before the specified closing time. I tried again multiple times.
Product: Checking or savings account

Within XXXX hours of me opening the CFPB claim Citizens closed my account and denied my fraud claim again. Police reports, identity theft reports and government issued letters have all been provided to citizens numerous times. They refuse to pay my fraud claim and now they have closed my account because I opened a CFPB complaint. The complaint shows still open but citizens has confirmed the fraud case is closed and denied me my funds even with all the proof I have provided. Ive been dealing with them since XXXX
Product: Debt collection

In XXXX, I visited a lender to check my credit score as I began the process of buying a house. During that consultation, it was brought to my attention that I have a collection listed from an apartment.

Since then I have been gathering information about this matter. However, every time I reach out for clarification, I receive what appears to be a statement that does not include my name or signature.
Product: Checking or savings account

My XXXX  brother ( XXXX XXXX ) and I went into the FlagStar Branch located at XXXX XXXX XXXX, XXXX, MI XXXX. The teller was squirming with discomforts of discrimination. He did not want to help us, never spoke or assisted in a friendly way. My XXXX  brother received a money order from our grandparents to cash for a birthday gift of {$50.00}. The teller kept taking forever, got up and went to speak to the branch manager like he needed help cashing the money order. Keep in mind that there was enough money in the account to cover the {$50.00} transaction being cashed. Teller finally came back and entered what we thought was {$50.00} but gave my baby brother {$250.00} in hand and deposited {$100.00} into the account. 

Long story short, the Teller entered the {$50.00} money order as {$350.00}. Not only did he hand my brother {$250.00}, but later made it seem as if my brother was trying to defraud them. It's obvious the teller was going to try making this transaction a way for them to get over on my XXXX  brother who is a XXXX. I'm only on the account for the purpose of him having an account for his job, which received direct deposits. 

A week later, they began calling my XXXX  brother about the transaction that was done and my Mother and I got on the phone to let them know that this was purposely done by their teller. My brother thought that he was giving him extra money from his account that had already been in there. The representative made apology of the bank teller doing this and stated that there was nothing that they could do other than request the money back from my baby brother who had already spent the money. 

I'm involved because now this has been reported on my credit and is affecting my score tremendously. I have just started building my credit and I was at a XXXX, now I'm in the low XXXX XXXX because of this stupid bank transaction that has absolutely nothing to do with me or what the teller did purposely. He was rude and XXXX. I never thought my XXXX  brother would experience this, let alone me experiencing a decline in score. 

Please help, what can I do about this on my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Equifax XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX