23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX, I filed a complaint with CFPB regarding MOHELA and the number of qualifying payments I made while working at county XXXX  health in a service area that qualified me for XXXX. The complaint number is XXXX. MOHELA discharged the loans after the complaint was investigated and all the information I submitted was reviewed. This week I received a notice that my credit score changed with XXXX, When I logged into my credit report it states that as of XXXX XX/XX/XXXX the XXXX Department of Education or MOHELA added the loan back to my credit report and XXXX information on the federal website after it was previously discharged. I need help finding out what is going on because it was already forgiven 2 years ago? Can you please help me? It is very difficult to get ahold of anyone at MOHELA to speak to about this.The XXXX dispute is stating they will not remove the information from my credit report and are keeping it the same even with the information I submitted them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account reported opened on XXXX XXXX with account limit of XXXX is reporting as an authorized user account i didnt authorize anyone to add on my credit report and is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX central states recovery added a collections account to my credit report. Knowing that I had been insured the time of services, I immediately filed a dispute discrediting the false claims. I had spoke with Central states recovery and the original creditor XXXX XXXX XXXX XXXX XXXX about the issue multiple times during the year regarding the same issue and i asked them multiple times to properly bill the insurance company. I can recall on time in particular in XX/XX/XXXX when speaking to and agent who assured me that he saw that I had medicaid at the time of service and assured me the matter would be corrected. Unfortunately no one from either company billed the insurance properly and this resulted to the account somehow reappearing but this time as a collections on my credit report. As stated previously, immediately after the collections account was added to my credit report i disputed the item ( XX/XX/XXXX ). I was notified the review was complete on ( XX/XX/XXXX ) stating the account was verified as accurate and i owed money and the drop to my credit report would remain. it is now XX/XX/XXXX and i spoke with an agent from XXXX XXXX XXXX who stated she can verify the fact that i had insurance at the time of service and the account is not in collections and should not be on my credit report. this is not the first time transunion has failed to accurately investigate a dispute. last year this time i had several collections from the same company XXXX debt recovery solutions XXXX in which i had to battle the debt collector and provide all proof they were falsely adding damaging remarks to my credit report. these accounts were much later removed but left my credit report more damaged than ever. false claims by original medical creditors to unwilling to help accurately verify the information has left me battling for myself to correct my credit report. if transunion has an option to dispute an item i believe they should do so and actively investigate rather than relying solely on fraudulent collection agencies who obviously want to get paid whether you actually owe a debt or not.
Product: Mortgage

We used XXXX XXXXXXXX XXXX XXXX XXXX- Thrive Mortgage to get a loan ( short term loan ), the basic terms being that we had 6 months to refinance it ( or pay it off ). We purchased our new home, then put our other home on the market. When we weren't getting buyers or interest in our old home, we needed to find a way to refinance the short term loan. Asked XXXX for quotes on down payments, they gave us numbers that turned out to be WAY off-saying we needed 40 % down. When I asked why, I was advised by XXXX XXXX to just " pay off my car '' (?? ). 
We decided to unlist our property to sell it ourselves to an investor in order to have the funds to refinance the short term loan. 
The same day, I received a call from XXXX XXXX stating that our house " can't be off the market '', & she told me You have 24 hours to get the house on the market or I will report you ''. I asked her for our contract so I could understand my rights. 
For 4 days, I received threatening emails, and calls daily from XXXX XXXX harassing me to get my house back on the market. After reviewing the contact-it turned out- there was NOTHING in the contract surrounding a requirement that our old home be on the market, or even that we sell it at all. I questioned XXXX on this, and she responded with " oh yea, you're on the old paperwork, so its fine ''. 
The threats and demands made by XXXX XXXX ( that were all based on a lie ) created extreme distress for us and caused delays in us selling our home since we were in fear. Because of the threats, the lies, along with being given incorrect numbers several times, we needed to end our business with them. 
In the original contract, it stipulated that IF we refinance with XXXX XXXX, they will waive their loan origination fee of {$6000.00}, but if we use another lender, they will charge the {$6000.00}. We felt fear from the threats and bad information provided by XXXX so we felt we had no choice but to use a different lender. We used another lender to settle the loan without issue. I asked XXXX several times to NOT charge that fee " on good faith '', but my requests were completely disregarded and ignored. 
XXXX is HIGHLY incompetent! It is unbelievable that a mortgage company would threaten a customer the way she threatened and harassed us, therefore we were were forced to use another company. We feel like we should not have to pay this fee to them because they are clearly incompetent. 
The attachment shows the emails in which XXXX was lying to me and saying my old house needed to be for sale, which was not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identity theft on my credit report and the ONLY 2 accounts that should be on my report is XXXX XXXX   and car loan i did not apply for any accounts for XXXX XXXX nor XXXX XXXX nor XXXX XXXX I do not have inquiries for those companys if these are not removed im taking this up to OHIO ATTORNEY GENERAL please remove all these accounts from all 3 beureaus As i have a police report on file. this is dinging my credit i have called numerous times about this to the lenders and i have disputed it numerous times its not fair that im being responsible for stuff thats not mine!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX My life address is XXXX XXXX XXXXXXXX XXXX y never live in the states i never brought a car in the states this account is not mine, i have prove of working here in PR and water and electricity bills with my name. 

BB & T account its not mine the information is Inaccurate and incorrectly I am writing to dispute a charge of ( {$4300.00} ) The charge is in error because i never brought a car or anything from BB & T. 

I suffer a identity theft in the same year, this is not the only error or fraud that the person made.He made the same in XXXX XXXX XXXX with another car, its sad for me because i am trying to buy my dream house i am a veteran and i think i deserve better. 
This is the police report number : XXXX made in XXXX XXXX XXXX XXXX I made this report in XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to pay my XXXX XXXX XXXX credit card balance of {$9.00} from my checking account instead of my savings account, which was an accident as I meant to pay from my savings account. XXXX submitted the payment, and received an insufficient funds response as my checking balance was {$0.00}. I was notified on XX/XX/XXXX via email that my payment had been successful, so I did not suspect that anything was wrong. The transaction was resubmitted on the XX/XX/XXXX but again I was not notified. 

I checked my account today ( XX/XX/XXXX ) as my statement was released on XX/XX/XXXX, and noticed that my balance was past-due due to a failed payment, which has since been reported. I thus had no chance to remediate it by changing to the correct account, because XXXX 's communications showed a successful payment and showed nothing of the two failed attempts. 

I called, and explained the issue to no avail ( other than being able to submit the bill to my savings acc't ). I need to maintain a good credit score so that I can get XXXX school loans, and XXXX 's series of decisions to 1 ) notify me that my payment was successful even though it was not, 2 ) resubmit the payment method without notification, and 3 ) refusal to help me remediate the past-due report, will impact my credit score negatively. This is despite my close attention to both my accounts and to bank notifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

am writing this letter to bring to your notice the following information added to my credit report falsely added to my credit report without my pier knowledge. The mention details are incorrect and the account are under business name and they submit the charge off under my name. 
I request you to revise the report after deliguns. I request you to clear my credit report as soon as possible to help me continue business. 
1-Account charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility 2-Account name XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$640.00} past due as of XX/XX/XXXX. 



3-Account name XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$15.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$15000.00}
Product: Mortgage

Fifth Third Bank is continuously charging me a late fee every month. On XX/XX/2021 my automatic payment from my bank account sent for {$1900.00}. I failed to change my auto payments to the new mortgage amount of {$2100.00}. So on XX/XX/2021, I sent a second payment of {$300.00} to make the payment {$2200.00}. Unbeknownst to me, Fifth Third Bank did not apply my XX/XX/2021 payments to the mortgage so when I sent in a payment XX/XX/2021 for the following month, it was counted as a late payment. From that point, I've been talking to Fifth Third Bank representatives every month trying to resolve this. Some have taken off the late fee on a couple of months but it is continuous issue that is still going on today. I've asked if there is a mortgage representative I can speak to face-to-face but they said no. They won't even provide resolution in writing each time I speak to a representative who states they've resolved it. I have to use days off to contact someone as my husband and I work Monday through Friday during their business hours. As of today, I have shared my bank statements and transactions with them showing each payment that I've made and the dates I've made them to illustrate that I've paid on-time. In addition to this, when Fifth Third Bank initially bought out our loan ( we didn't select them as a mortgage company ), they failed to include me on the mortgage. This took about 3 months to resolve. Now we are stuck on continuous late fees with unhelpful representative sending me in circles. I admit that this was initiated by my mistake with XXXX 's payment but they've made it extremely difficult to correct this mistake and they sure are making sure I pay for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately. 
"
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach from the credit reporting agency and I would like everything removed
Product: Debt collection

Portfolio Recovery Associates, LLC sent me a false and deceptive letter attempting to collect an alleged debt. The alleged debt is not verified nor is it validated. The alleged debt is listed as a positive number. I have not relationship whatsoever with this company. Where does this alleged debt claimed by Portfolio Recover Associates, LLC fall under UCC 9-110 under Article 2 or 2A?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act convergent Account XXXX XXXXXXXX XXXX and Rent XXXX Has violated My rights. acc dates XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy. 


15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a accountant without my written instructions
Product: Mortgage

So, XXXX- Nationstar required an escrow to pay for my insurance for my mortgage. After 35 minutes on the phone, I was informed that Nationstar who collected my $ XXXX in escrow to pay my home mortgage insurance would not be making my home mortgage insurance payment and would not be refunding my money in order for me to be able to pay my home mortgage insurance in a timely manner, nor would they provide a letter to my home insurance company explaining the reason for the delay in my insurance payment, thereby preventing my home insurance from being cancelled. 



Further, a Miss XXXX, whom, by her own attestation is the only XXXX who works for Nationstar, as she REFUSED to provide her last name, or connect me to her supervisor XXXX, who also does not have a last name, and is in fact by her assertation the only XXXX that works for Nationstar. 



I would like assurance that my homeowners policy will not be cancelled as they people ( Nationstar ) failed in their one and only responsibility to PAY the property insurance they they required be escrowed or refund the escrow in a timely manner as not to have my homeowners insurance policy cancel.
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. 

List of Unauthorized Inquiries : 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 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 if 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

XXXX employee came to my apartment offering XXXX XXXX and never stated anything about having to do a hard credit inquiry but lo and behold I receive my updated credit report and there is now a hard inquiry from XXXX on my report. I called many different departments trying to get XXXX to remove this inquiry and after being transferred to over 5 different numbers I was told that they would not do anything to address my concern. I did not give this employee permission to do a credit check nor was I advised that such was being done and I do not think it is fair that XXXX ( who has been sued in 2017, as I researched online ) for not disclosing this information to potential customers. This has the potential to damage my credit unnecessarily and I hope that you can provide some assistance with this issue. Thanks!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. ( cfpa ) specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

Experian has inaccurate social for me, accounts listed that do not belong to me as well as many addresses. I have disputed with same results as before. I even supplied Experian my personal information which validates they have wrong information. Due to these errors they are hurting my credit score. Please help this is wrong what they do to consumers.
Product: Mortgage

Sir or Ma'am, I have problem of the Mortgage Company CARRINTON MORTGAGE SERVICES, LLC. I want to make a complaint. I am asking about the reinstatement letter loan that it IS NOT showing in details or itemized about what month that I owe, and what month will be paid but the company is not cooperating. Please help me if you can to let this company send me a bill with details or itemized what month I owed them. Thank you. 
Point of Contact : : " XXXX ; XXXXXXXXVery Respectfully, XXXX AP XXXX
Product: Credit reporting or other personal consumer reports

I disputed the length of time an item is supposed to remain on my credit report. Each time I filed a dispute, the items date changed, extending the reporting period. XXXX, TransUnion, and XXXX all show different dates for the same items ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The length of time an item remains on my report is based on the Date of First Delinquency ( DOFD ), which should not change. In this case, illegal re-aging is a violations of my consumer rights.
Product: Checking or savings account

I spoke to XXXX the bank manager at amtrust New York Bank my father died and left myself and my mother as power of attorney and beneficiary to any and everything he owns and myself and.my mother went jnto bank and found out there had been fraud on account and I was told they would Handel the account and return funds and call.me to keep me updated well the.manager has done nothing won't release funds and never returns my calls I provided all necessary documentation and my attorney info was given she lied and said she spoke to him and.all he needs to do is sign a paper to release funds well my attorney said he never spoke to her. I'm upset and frustrated because XXXX XXXX is is my money that I need to Handel my father 's wishes and get him a headstone and I've been waiting for almost a year now. I keep getting the run around my documents have been lost several times by the bank and I've replaced them and had them make copy at banks many times I get no access to my funds and no further info I'm very upset and should be given m g father 's gunds
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX  Balance : {$360.00} ; XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX  Balance : {$460.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00}.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} Bankruptcy XXXX  XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXXdismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Debt collection

Back in XXXX of XXXX, my son 's wallet was stolen from the gym. His ID and credit card which he is authorized user of mine was compromised. He filed a police report. In XXXX, the credit card was used at XXXX for a purchase of {$140.00}. I disputed the charge with my credit card ( XXXX Bank ) and contacted XXXX. The representative at XXXX said they did not have any information about me in their records. I have never had an account with XXXX. I have been an XXXX customer for over 25 years. In XXXX of XXXX, I received a past due bill from XXXX XXXX I called XXXX again, spoke to representative and we filed a fraud claim with XXXX. # XXXX. Shortly after that call, I received a letter from a collection agency stating I owed the debt. I disputed the debt, spoke to the collection agency who informed me to notify XXXX Fraud dept with my case # and their collection account #. I spoke to XXXX again, they requested I send an email to XXXX Fraud, with the case #, my identification, and police report from last year where my identity was stolen. I sent them the information on XX/XX/XXXX, and have not received a response. Now, on XX/XX/XXXX, I received another collection letter from a different company, Receivables XXXX XXXX attempting to collect this same debt which is not mine.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

A computer glitch that was Transunion 's problem, not mines, caused my inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted Transunion in good faith to ask them to delete the inquiries that they had illegally readded, and spoke to several representatives whom I have names and dates. These inquiries add a hardship and that my rights have been violated by Transunion.