23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a XX/XX/XXXX, working for theXX/XX/XXXX since XXXX. I have substantially completed my obligations under the PSLF program. The servicer, MOHELA, however, began to offer an amazing new plan that would save lots of money! Called the SAVE plan. This is a plan I did not want, did not need, and had no idea even existed until MOHELA started to advertise it. After what felt like 8 short weeks on this plan, the rug was completely pulled out from under my feet when I was told the SAVE plan was no longer available due to ongoing litigation. This effectively ended my ability to make payments on my obligation to date. Ive applied multiple times for an income based plan as far back as XX/XX/XXXX. There has to date been no progress on this request that has been outstanding for months. I called today and MOHELAs agent flat out told me that I was misinformed. Efforts to even log into MOHELA or the student aid website to check the status of my account or my numerous requests leads to only error messages and frustration. 

I have NEVER had a debt owed that the note holder refused to let me pay. It is absurd. If the fact is that they do not want to allow payments to be made that would qualify for PSLF, then affectively- they have breached the agreement. I want them to either reinstate the IBR plan I was already on that they essentially bait-and-switched me out of ( with full credit toward PSLF ) or to have my account closed as satisfied under PSLF since the contract has been substantially completed, and MOHELA is actively in breach due to their refusal to process paperwork related to the plan. The ongoing litigation they continue to cite as a reason is regarding SAVE, not PSLF or IBR. Further, every time I call MOHELA, the hold time is nearly insurmountable. 

This issue is not only causing substantial lost income opportunities, but significant emotional harm and, as you could guess, a windfall to the public agency who continues to benefit from my work far beyond the agreement that was made. 

Please help free me from this indentured servitude. 

Thank you.
Product: Student loan

As of XX/XX/XXXX when log into my on line account my statement said that my total to be repaid is {$17000.00} which start XX/XX/XXXX payment # XXXX = {$33.00}, # XXXX = {$97.00}, # XXXX {$83.00}. Then I have another paper saying : Payment next due date on XX/XX/XXXX and Status : XXXX XXXX : payments will begin in XXXX XXXX. Your payment amount will be shown on your statement XXXX weeks before due date. Which Current Balance : {$10000.00}. Then my tote to be Repaid change again to {$19000.00}. Then my last time logging into my account was in XX/XX/XXXX, On My XXXX My Account : Payment say : Next due date on N/A Status : Not Available : Current Balance : {$0.00}. LAST Payment Received : {$10.00} ( XX/XX/XXXX ). Now I can't log into my account on line. With Nelnet. I did not get any response or actions on my account.
Product: Credit reporting or other personal consumer reports

This is a complaint against XXXX XXXX. My problem started when I bought a house located at XXXX XXXX XXXX, XXXX, CA XXXX. I never lived at this address, as soon as I bought it I put it up for rent starting XX/XX/XXXX. I don't know when someone used my name to open an account with XXXX XXXX without my consent. I contacted XXXX XXXX but they would not give me any information about the account. They say they don't have any information because the account was closed and they gave me the phone number for the XXXX XXXX XXXX department. When I called that number I asked them if they had any type of document signed by me confirming my identity or if they could verify any information about my ID that they may have on my profile. I asked them what the name and address on the ID is. I also asked them what places the card was used. They were unable to give me the information I requested and they would not help me confirm the identity of the card user. I am requesting that they remove this fraudulently opened account from XXXX, XXXX and experian. I am attaching a copy of the police report for identity theft, I am attaching my electric bill from XXXX which confirms my address at the time. XXXX XXXX ' collection department sends monthly unpaid reports to XXXX, XXXX XXXX, and Experian. I can't pay for something I never bought. I never signed for anything. It's a fraudulent account, no one wants to help me. I have tried to file complaints with Experian, XXXX, and XXXX XXXX, and they never want to help me. They always deny my complaint. I am asking for help. Please, this has to stop. My credit is ruined by criminals who used my identity. I will never apply for a loan or card.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not contact me within thirty days for tbe dispute that forward to them on XXXX/XXXX/2017 by CFPB. I only wanted them to also take care of issues with the credit inquiries and they did n't do so. I am trying to make sure Transunion is in compliance with having good records of my credit information. They have yet to provide anything and thirty days has pass.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inaccurate Reporting and Request for Resolution Dear CFPB, I am submitting this formal dispute against the following companies regarding their continued failure to update and correct the status of my accounts despite having received ample notice and time to do so : XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXE On XX/XX/year>, I provided written instructions to these companies and the respective credit reporting agencies Equifax requesting that the accounts be updated to reflect the following accurate statuses : Reported Balance : {$0.00} Account Status : Closed/Paid Remarks : Nothing to Show or Resolved Payment History : Nothing to Show or 100 % Paid Amount Past Due : Nothing to Show Despite my written requests and the sufficient time allowed for compliance, these updates have not been made, and my credit reports continue to reflect incorrect information. This continued inaccuracy is causing harm to my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

This is my second complaint that I have placed on my mortgage company New American Funding regarding my mortgage. I recently came out of a forbearance and was able to agree to a loan modification. I have been complying with making my payments on time since the loan modification has been in place. My loan payment did increase due to the county taxes on my escro analysis ran earlier this year. However, I have still ensure to login and pay what is due every month. On XX/XX/22, I made my payment like usual, however, a manual analysis was ran manually at the end of XXXX and my payment made XX/XX/22 was not processed correctly by New American Funding. For some reason it shows that I am now behind on XXXX and XXXX 's payment. Every representative I've spoken to has no idea what exactly happened to my money that I paid on XX/XX/22 {$1300.00}, it was taken out of my bank account, but not applied to my mortgage. They said it could've gone to escrow, but how if I did not authorize that to happen? They have told me they would call me back when it is resolved, but as always no one calls me back. I can not make my payment for XXXX online because of this error that New American Funding has created and no one can trace my money and now it shows I am behind on XXXX payment when I have been complying on making my payments on time, but why is it that noone can resolve my issue and NOONE calls me back. Now I'm receiving all kinds of notices in the mail of a hardship, collection notices, behind on my mortgage notices and numerous collection agency phone calls all because of this error and NOONE can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been receiving continuous phone calls of harassment, profane and abusive language, garnishment of all and any bank accounts, death threats and threats of being sent to jail and prison, from XXXX XXXX XXXX, XXXX XXXX/XXXX  and XXXX XXXX  Representatives for fraudulent accounts and debts that arent my debts or accounts. The XXXX XXXX XXXX XXXX XXXX XXXX Account for {$500.00}, XXXX   XXXX/XXXX  Account for {$3200.00} and XXXX XXXX Account for XXXX XXXX for {$84.00} is fraudulent accounts and debts thats not my accounts or debts. XXXX XXXX XXXX, XXXX XXXX/XXXX  and XXXX XXXX  is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota law. The following credit inquiries are fraudulent and unauthorized : XXXX, XXXX  XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple of derogatory marks on my credit that should not be there. My father and I have the same name. His bills from the Oklahoma XXXX Hospital were put into collections in my name and then sent to my credit report. There are a total of three of these marks, with XXXX XXXX stating that they have been on there since XX/XX/2013. They are all from American Collections, the totals for them are {$24.00}, {$50.00}, and {$87.00}. I have called the XXXX Hospital and they are trying to send the bills to the correct person, but I still need them taken off my report.
Product: Money transfer, virtual currency, or money service

Commencing around XX/XX/2021, I fell victim to a scam operation orchestrated by a fraudster named XXXX XXXX on XXXX app. Basically, I tried to buy a car online through the XXXX app and contacted this person who introduced himself as XXXX XXXX and allegedly sold me a car. It is important to mention that he said he was from the XXXX and the car was in XXXX. 

Through 28 transactions I sent him the amount advised above. We made a verbal agreement to send him XXXX USD per month. When I paid the last portion, I asked him to ship the car to me which he confirmed. After waiting for a while, I contacted him via WA to check the status of my delivery, however, I got blocked from his number and never heard back from him again. At that time, I realized that I had been scammed, but it was already too late. 

The money was transferred from my account via bank wire, through intermediaries named XXXX and XXXX in the total amount of XXXX USD. There were three beneficiary banks involved : XXXX, XXXX XXXX, and XXXX  XXXX XXXX, all based in XXXX. I would like to emphasize that I never used XXXX in the past, whereas I did have a XXXX account, but it was only used for covering small daily expenses. It is also worth mentioning that, while I was sending the disputed amount over the course of 11 months, at no point was I contacted by Region Bank. 

Furthermore, after I sent them a Dispute Letter in order to ask them to assist me, they kept delaying in providing a response. First, they asked me to visit their local branch and make a complaint in person. When I did, I heard nothing. Weeks after that, I went to the bank again, only to be told that the case was now too old and there was nothing they could do. It is safe to say that they were prolonging the case long enough to make a good ground for saying that it is now expired.
Product: Credit reporting or other personal consumer reports

PERMISSIBLE PURPOSES OF CREDIT REPORT 15 US CODE 1581B EXPERIAN IS VIOLATING MY RIGHTS BY ALLOWING THESE ACCOUNTS BELOW REPORT ON MY CREDIT REPORT,

 I HAVE NO AGREEMENT, PAYMENT HISTORY AUTHORIZATION TO REPORT ON MY CREDIT FILE.  
RENTDEBT AUTOMATED 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.  I HAVE A COMPLAINT FILES WITH THE FTC TOO.,  SEE ATTACHMENT INCLUDING THESE ACCOUNTS.
Product: Credit card

On XXXX/XXXX/15 I applied for a Sears Credit Card at the Sears store in XXXX, NC. I was told that I was denied. The next day, I received a rejection letter in the mail. In XX/XX/XXXX, I requested my credit report and was made aware of Sears reporting I have a credit card with them with a {$130.00} balance and past due amount of {$91.00}. I do not have a SEARS credit card ; nor owe them {$130.00}. I tried to get the information on my report corrected through the credit reporting agencies but they continue to report the information. So, I contacted Sears directly on XXXX/XXXX/15. Customer Service said there were XXXX cards and I was only denied XXXX. They said when they mailed out the card ; it was returned to them undeliverable. So, I asked Sears why are you reporting false information on my report if the credit card was returned to you undeliverable and I do not have a Sears credit card. The representative said they could n't contact me. I explained that if I received the rejection letter in the mail ; then i should have received a credit card that they claimed they sent. I did not move until XX/XX/XXXX and applied for the card on XX/XX/XXXX. Also, no one made an effort to call me. When i received the rejection letter in the mail ; I assumed i was not approved for the card. One rep would not take it off. I talked to another Rep and she said she would update my address, my report and send me the credit card. I have not received anything in the mail from them still and still have not been able to get this corrected on my credit report. SEARS is still reporting I owe {$130.00}, past due balance AND i do not have a credit card from them.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Initial complaint XXXXPHH responded citing I was not eligible for a deferment or a COVID 19 forbearance plan per investors guidelines and based on the Financial Evaluation. PHH proposed increasing my interest rate from XXXX XXXX to XXXX XXXX loan terms, loan payment, and extending the maturity date 5 years for approximately {$23000.00} balance is obserd. During the forbearance I was not able to make ANY payments to reduce the outstanding balance-I called multiple times and the PHH representative could not take any partial payments during the forbearance. The denial was also based on " household income ''. My spouse 's income was not considered or requested during this process. My husband is not on the loan but my husband contributes to the household which waws not considered on the application-the application asked for household expenses which I included my husband expenses- ( car loan, credit card, utility bills ). I feel I do not have any option or I will face foreclosure if I don't agree with the terms which will extend my financial hardship for the life of the loan. I worked very hard to secure the XXXX XXXX interest rate and to have it increase to XXXX XXXX as the only option is egregious. 

I am currently employed full-time and is not experiencing long-term hardship noted in the correspondence from PHH.
Product: Credit card or prepaid card

We set up auto pay for Bank of America Alaska Mileage Plan and we set it up to pay on the XXXX of each month it is not due until the XXXX, we gave enough time for the bank to get the money, YET EVERY MONTH THEY CHARGE US {$38.00} in talking to other Alaskans who have been duped into getting the Alaskan Mileage accounts, they all suffer too. We never can use the alleged 30 % coupons because when you do, its 4 times higher to try to use the coupon. Third, the " companion fare '' is a joke, if you don't log in and attempt to book a ticket it is around {$220.00} but when you attempt to use the " companion fare '' it is 3 to 4 times higher. no kidding! How is this type of practice legal? Please help me at least reverse these {$38.00} charges, see attached auto payment proof that we set it up for many days before it is due, besides why would a company charge {$38.00} if someone is a day late? what is the postal service is delaying someone's mail, is that yet another excuse for bank of america to gauge the general public for {$38.00}? How does a consumer protect themselves against this type of fraud and robbery.
Product: Credit reporting or other personal consumer reports

I sent transunion and a letter bureau to investigate every piece of information on the account I have listed blew, Also I have attached the letter I sent out. According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a customers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the customer reported on or with other with he is acquainted or who may have knowledge concerning any such items or information. The credit bureau stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 1681 everything has to be 100 % accurate.I have the credit report showing the inaccuracies. This is ground for remove able. The credit bureaus stated. my accounts was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate and dates last reported is not accurate. They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction. XXXX  account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXX and XXXX  XXXX account number XXXX these accounts was reinvested and they still not showing 100 % accurate by law these accounts should be deleted immediately.I want poof how they are verifying these accounts A
Product: Money transfer, virtual currency, or money service

I was contacted through text message for a job interview on XXXX, XXXX. The phone number XXXX XXXX XXXX text message stated Hello, You have received this text regarding the Work From XXXX for XXXX  XXXX XXXX XXXX Position. You are required to download and set up a XXXX XXXX  Account and if you have one already, use it to add XXXX XXXX XXXX the Hiring Manager, and XXXX him Via XXXX XXXX  with this link ( https : XXXX ) and connect with her for your interview. Here is your Verification/Hiring Code : ( XXXX  XXXX ). Thank you!. I contacted them through XXXX  and I spoke with XXXX XXXX through chat. I got the job. On XX/XX/XXXX I got email XXXX to submit and employee verification form along with my driver license. Then on XX/XX/XXXX XXXX XXXX told me that I would be receiving a check of XXXX to purchase the necessary equipment. I deposited the check and then XX/XX/XXXX They told me to send XXXX money a XXXX at a time, twice and then XXXX before I caught on that it was a scam
Product: Checking or savings account

Random " XXXX XXXX '' Bank account opened with bank of america using my name, email and social. Was not able to reach the fraud department in a timely manner today so I will try again later. There's no money in the account and a debit card is being sent to my parents house. There is a XXXX dollar per month fee for keeping the account open.
Product: Payday loan, title loan, or personal loan

The account is showing as being included in my chapter XXXX bankruptcy on my XXXX  credit report, the account was paid off before I filed bankruptcy.
Product: Credit card or prepaid card

I found a complaint stating that the merchandise received wasn't what paid for and also noted that I was promised a refund. XXXX then sent information saying the item was delivered to CITI Bank and I noted that this isn't what I was disputed I had ordered glasses and received broken glass. CITI told me that there was nothing they can do since the tracking showed it was delivered then I stated and provided proof that I was promised a refund which is another way to dispute the transaction. CITI stated that XXXX said I did recieve the refund but that it didn't go back to my card and asked had I received it another way ; I replyed stating that the notice showed that it was suppose to go back to my orginal form of payment. CITI Replied on XX/XX/2018 that there was nothing that they could do about XXXX stealing my funds. I was told I could only file a damage dispute after the dispute closed but when it closed on XX/XX/2018 I was told I had 60 days to file the damage dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information.