23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was involved in a romance crypto currency scam. I wired money 3 times from XX/XX/2023 and XX/XX/2023. On XX/XX/XXXX I sent {$3000.00} to a bank. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX branch On XX/XX/2023 I sent XXXX to another bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. On XX/XX/2023 I sent XXXX XXXX XXXX XXXX XXXXXXXX Cathay bank XXXX XXXX. During the next 6 months we made trades on a website called XXXX a partner with XXXX. My account reached {$270000.00}. Which seemed real. On XX/XX/2023 the web site vanished and I haven't heard anything from her. the transfers were from my XXXX XXXX bank account. 
Thank You, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX5B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
XXXX XXXX XXXX XXXX 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/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: Student loan

XXXX XXXX XXXX ( XXXX ) # XXXX, XXXX, XXXX, XXXX, XXXX ( all approved for discharge ) To whom it may concern ; I am writing to you to file a complaint against Mohela. On XX/XX/XXXX, I received approval for dismissal of all my XXXX XXXX XXXX under XXXX XXXX XXXXXXXX Settlement. My student loan repayment was placed in forbearance until XX/XX/XXXX. After receiving the approval for dismissal letters. I contacted XXXX  XXXX and was told it could take approximately one year for these to be removed and off my credit report. 
On XX/XX/XXXX, I received an email from Mohela. This email referenced student loan payments would resume starting XX/XX/XXXX. I contacted this server and informed them that my loans should be under forbearance due to the above XXXX XXXX XXXX. 
On XX/XX/XXXX, they returned my account back to forbearance status. I had also spoken with XXXX XXXXXXXX and was told to submit a complaint, which I did ( complaint # XXXX ). The feedback I received stated that I was correct my student loans are in forbearance until XX/XX/XXXX, until the lawsuit is resolved. 
On XX/XX/XXXX, Mohela removed my forbearance again. They sent me an email on XX/XX/XXXX, stating that I missed a payment of {$1700.00}. At this time, I contacted this server again to complain and to find out why my forbearance keeps getting removed. I was told XXXX removed the forbearance and to contact them. I spoke with several people from XXXX and was told Mohela is the reason the forbearance is removed. XXXX said on their end my loans should still be in forbearance. My loans were approved and awaiting Mohela to discharge them. 
After going back and forth with both servers Mohela finally decided to place my loans on XX/XX/XXXX, XXXX XXXX until XX/XX/XXXX. Mohela, is nonresponsive, not knowledgeable and tends to shift the blame, trying to charge students even though they are well aware of the circumstances. On XX/XX/XXXX, I spoke with XXXX and was told to contact Mohela regarding the dismissal of my approved applications above. I see why they are being sued. I have sought after the attorney at XXXX XXXX XXXX to retain their services against Mohela. 
I am requesting someone to look into XXXX shady practices!!!!!!!
Product: Credit reporting or other personal consumer reports

Equifax, Please see below and attached - I am a victim of identity theft and there are hard inquiries that need to be removed immediately due to fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX  - XXXX, Account name : # XXXX, has violated my rights. 

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 or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account Name PERSOLVE LEGAL GROUP Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been by far the worst to work with of all the credit bureaus. I had potential fraud on my account and was able to start a credit freeze with all three bureaus. About 3 months later, I requested the fraud alerts be removed and XXXX and XXXX each took about 5 minutes to complete that task but I have had to call Experian about 15-20 times and their automated system will not let you get to a person account representative. When I reach a business account representative, they advise they cant help. On one call about 2 months back I asked to escalate my issue to a personal account representative or supervisor and was told " no one was available and I would get a call back '' I requested to wait and they repeated " no one was available '' at that point I insisted I wait because I wasn't confident I would get a call back and the business representative hung up on me. I also never received a call back from that supervisor. I tried going through the automated system system and it says I do not have a hold on my account but multiple outside parties trying to pull my credit advise differently. I tried to go to the website and I get an error message directing me to call. When I call that number, its the same automated system where you can not get to a representative. Im just trying to unfreeze my credit!! please help. 

**Note- this was previously submitted and I was just directed back to the website that didnt work and to call the number where its only automated. This is the root of the issue. I need someone to look at this as there is a system error on the experian side that the website and phone are reporting different information. 

**3rd request. Again they still have not unfrozen my account. The automated system is not correct and is stating its not frozen but anyone trying to pull my credit is advising differently.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Equifax Dispute Information Center Dear Equifax XXXX XXXX XXXX XXXX XXXX that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX - Account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. Please see the attached Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied to refinance my car and I got denied. I don't understand why I would be denied because my income and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand how this could happened but these items are not mine and they all need to be deleted from my credit report. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, DEPTEDXXXX, XXXX XXXX XXXX, US DEP ED, DPT ED/XXXX,  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX, DPT ED/XXXX, XXXX XXXX XXXX. 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.
Product: Debt collection

Without any indication or notice, on XX/XX/2018 my personal checking and savings accounts were both frozen. My bank passed along the only information that they were given. I was told to call the provided number to speak with a Midland Credit Management lawyer. I swiftly called the provided number, it belonged to my local Sheriff Dept. After talking with the Sheriff I learned only that MCM had frozen my accounts, and they were pursing a " sheriff sale '' of my personal items to pay owed debt. After multiple conversations with both my bank and MCM I felt pressured to pay this owed debt ASAP! MCM told me the easiest and fastest way to solve this issue was to pay debt in full via XXXX. XX/XX/2018 I went to my local XXXX location and paid MCM my debt in full {$1700.00}. A month had gone by and my accounts were still frozen. I contacted MCM in hopes of getting a resolution. MCM told me " yes, debt is paid in full. Attorney has paperwork on his desk. When he gets to it, your accounts will then be released ''. Now here it is 2 months later and my debt is paid and my accounts are still frozen! Beyond frustrated at this point and I do not know where to go from here. Please help/guide me in a direction to solve this once and for all. 
Thank you for your time.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Holder of my dept of education loans several times as well as the credit bureaus regarding ECSI Federal Perkins Loan Servicer inaccurate reporting of my account information. ECSI send paper billing with a balance of over {$7000.00} and a principle of {$5400.00}. Every month for over 2 years I send my payments in the amount paid has never been reported to the bureaus as a payment and reports as 0 % of my XXXX loan paid off. This is affecting the accuracy of my credit report. I, in turn, requested that ECSI send me a breakdown of my account and demanded they reported accurate payment history as well as balances. Because of this, multiple late payments reported to my credit report. It is obvious that my request was ignored as I have not seen any changes to my credit report. This is an obvious and blatant disregard for the Fair credit reporting act as well as my right to a fair and accurate report.
Product: Student loan

Well, this loan was discharged in a court of law, all student loans under XXXX XXXX XXXX in XX/XX/XXXX in a court of law was finalized to discharge all those student loans because of the fraud Corintheans Colleges and all the schools under XXXX XXXX had done to their students and how they targeted low income students so my loan shouldnt even be there or my classmates loans that I went to school with from XXXX and XXXX to XXXX were all discharge and dont have a balance but yet mine is still there I went to the same school for the same degree and I am still showing {$110000.00} balance and Im getting the runaround I have it removed when it shouldve been removed last year in XXXX or XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$920.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.
Product: Mortgage

I reached out to Cardinal financial company several months ago to inquire about refinancing my home and what it would entail. I spoke to XXXX XXXX NM XXXX XXXX, at length and gathered several pieces of information that would be required if we chose to refinance our home. We decided not to go this direction. Now today I received a " Statement of Credit Denial, Termination, or Change '' dated XX/XX/2021. Never at any time did we submit an application nor give any permission to dig in to our personal credit history several months later. I work hard to improve and keep a satisfactory credit score and this should not be allowed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : I opened my account on XXXX XX/XX/. I didn't even receive and start using my credit card until XXXX XX/XX/. My usage was suppose to be reported 29 days later to the credit bureaus how ever my usage was reported on XXXX XXXX when I haven't even had a date of when payment is to be received or payment amount given to my by XXXX XXXX XXXX 

According to the terms and conditions, my credit card should not have been reported yet. However it was and my credit score went down by over 20 points even though by the due date I had made a payment for the full balance. 

I want my points back for my credit score. I should have never had my credit card usage reported that soon in accordance with my credit card company. LESS the 13 DAYS LATER after opening up the account.
Product: Student loan

I am in the PSLF process and I have been tossed around between multiple customer service pathways. 

I have met/exceeded the XXXX payments necessary to qualify for student loan discharge through PSLF. 

My original lender was XXXX. XXXX became XXXX- and neither company exists. If you call the hotline- it's now a call center for medical alert buttons. My previous lender ( XXXX ) advised I call the number for XXXX that sent me directly to the med alert process. 

The United States Department of Education says they can only " see '' payments made from XX/XX/XXXX on. XXXX previously sent me a list of all payments made before they acquired them - and while I was with them. I am now with Mohela and have provided all this information to them and the XXXX. 

I guess my complaint is with XXXX and their abysmal record-keeping. I have no way to reach them. 

XXXX- has this information and has released it to me, but Mohela and XXXX won't accept it as " official '' unless it comes directly from XXXX. When I call XXXX - I get long wait times, disconnections, and told to call XXXX ( you know- the company that doesn't exist anymore ). 

I have clearly made payments from XXXX - XXXX and I just need someone somewhere to give me credit for this. I told XXXX if I didn't make payments for that period of time, they would have known that b/c they would have declared me as defaulting on the loans- which never happened. I always made timely payments. I have worked in public service my entire career. 

This entire process has been a nightmare. 

So I am seeking any type of assistance or resolution. I know I am not the only one who is a product of XXXX record-keeping by XXXX XXXX and the United States Department of Education. 

I have entered into PSLF - and my payment counts are " stuck '' at XXXX -- they are only counting the time they can " see '' from XX/XX/XXXXXXXX  - current. I never defaulted on any loans. I have provided my receipts from XXXX multiple times - and Mohela is being difficult by not accepting anything on letterhead from XXXX they send to me as " official ''. 

I'm beyond upset. This program was supposed to help people like me who gave their lives to public service. 

I am a daughter of a US Veteran. 

Please intervene with : XXXX XXXX XXXX Mohela US Department of Education XXXX have been at this entire process since XXXX of XXXX. 

Thank you
Product: Debt collection

There are two accounts being listed on all 3 of my credit reports. One in the amount of {$970.00} and other in the amount of {$210.00}. I do not own any of this debt as these accounts were open due to an act of fraud. These accounts were open online by someone who stold my personal information. I have no accountability to these accounts. I filed a dispute with them directly and with XXXX. Please remove these accounts and its XXXX. I spoke with a Representative today to start the dispute process. She provided the following information. 
XXXX XXXX ( merchant name ) Debt owed {$210.00} account # XXXX account # XXXX ( XXXX XXXX ) Miestone Credit Card XXXX merchant name ) Debt owed ( {$970.00} ) account XXXX XXXX account # XXXX ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

American Adjustment Bureau Inc has reported workmans comp items to the credit report that have been paid off. As well as obtaining personal medical information unlawfully.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10  days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where  there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  Bankruptcy XXXX XXXX ; XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00}.