23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX of XXXX, I submitted an application for an income driven repayment plan on XXXX while my loans were being serviced by XXXX XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX stating I was approved for an IDR plan and my payment would be {$0.00}. In XXXX of XXXX, I submitted a PSLF application to MOHELA and began the process of getting my loans transferred to MOHELA so I could begin PSLF qualifying payment tracking. My loans were subsequently moved to MOHELA several months later. During the period of waiting to be transferred, I was assured by Great Lakes and MOHELA that information on my IDR plan would be transferred to MOHELA. 

At the time of getting approved for the IDR plan in XXXX of XXXX, I was told by XXXX XXXX that there was and is a federal waiver that would allow me not to have to recertify my IDR plan until XX/XX/XXXX. I would like MOHELA to review the attached letter from XXXX XXXX stating my approval for the IDR plan and my repayment amount, so that I do not have to recertify until XX/XX/XXXX. 

I ultimately would like my approval for IDR plan to be moved to MOHELA and my repayment to be on an IDR plan that I was approved for by XXXX XXXX and studentaid.gov once payments resume in XX/XX/XXXX. I would like to continue my deferment until the federal government resumes payments for all. 

I submitted the above statement to MOHELA on XX/XX/XXXX and XX/XX/XXXX. It took over 14 days for them to deny me. They provided no explanation why I was denied. I called the customer service line and waited over 1 hour to speak to the representative. The representative spoke to several supervisors who said the form was denied due to not submitting my XXXX taxes. This form was approved on my XXXX taxes by XXXX XXXX and has nothing to do with my XXXX taxes. The form as several dates throughout which indicate this, but that was their only explanation. The representative added several comments to my account, stating that I could just recertify. The problem with this is that my XXXX income is significantly greater than my XXXX income. Eventually the customer service representative resubmitted my form with comments, I asked if I should submit my XXXX taxes too and she said no because the forms should be honored with the attached XXXX approval letter from XXXX XXXX and no further documentation would be needed. She said a different department deals with the processing of the IDR applications and it would take up to 7 business days to process. The forms were resubmitted by the customer service representative on XX/XX/XXXX and up until today XX/XX/XXXX I saw no change in my account. Upon logging in today almost 30 days after the representative resubmitted the form, XX/XX/XXXX. I see " duplicate form '' under the documents received tab. I see no explanation and no change in my payment plan. I did everything that was suggested to me by MOHELA and XXXXXXXX XXXX and they are negatively impacting my ability to pay my student loans, by engaging in providing false information and predatory tactics.
Product: Payday loan

I hired a company to deal with Cash Express in XXXX TN but the manager of the store has written me a letter threatening civil action. Their corporate office sends letters like XXXX or XXXX at a time. The company I hired said they have contacted them but they do n't let up. Address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX : ( XXXX ) XXXX This is their corporate headquarters. I am on XXXX and I could no longer afford the outrageous fees they were charging.
Product: Credit reporting or other personal consumer reports

Destiny Credit Card agreed to delete a debt off my credit report due to natural disaster of Covid 19 virus / lockdown I was dealing with a financial hardship and a incorrect balance amount on my credit report.So XXXX removed it and replaced it on my credit report Under a different name so for the past 4 years I have been disputing this on XXXX XXXX the Creditors FebDestinyXXXX XXXX XXXX XXXX are refusing to remove the item so now Im looking for legal assistance and filing an complaint this goes against fair crediting and they are breaking the law
Product: Debt collection

I paid this debt through XXXX XXXX at a negotiated price of {$5000.00} a month for approximately XXXX months which wa paid of in XXXX
Product: Credit card

I had an open dispute with Home Depot for approximately two years with a carpet install that was purchased on my Home Depot credit card CITI BANK after getting nowhere with them for a very long time I filed a dispute with the credit card for the amount of the carpet purchase this went on for months with many issues telling me different things back-and-forth When they eventually told me it was resolved in my favor multiple times phone calls should have been recorded and there should be plenty of proof of that they also told executive relations from Home Depot that they would be removing the interest from the credit card and then change their mind and said they were not doing it as well After months of them telling me it was resolved in my favor and not to make any payments they said that no late fees or interest would be added during that time they continued to add late fees and interest and then randomly sent me a letter in XX/XX/year> stating that too much time has passed and they were not going to be resolving it in my favor despite telling me for months that it was resolved in my favor Home Depot executive relations knew that Citibank was all over the place telling different stories so they sent me a check finally for a refund to pay off the credit card Citibank is refusing to acknowledge a receipt that was sent to them multiple times showing that a refund was done and a new purchase amount was made for a different product none of it was ever reported to the credit card therefore they added 24 months of interest to the credit card They are now refusing to remove the interest along with the interest in late fees that they have added during the dispute I have called in many times asking to speak to people and escalations I give them all of my information they tell me theyre opening another case and I hear back from nobody they send me a general email stating that they standby their decision and they will not remove anything They also reported all of the late fees and nonpayment during the dispute to my credit bureaus and have destroyed my credit they told lies and when I tell them that the phone calls shouldve been recorded and they should have proof of their employees telling me for months that it was resolved in my favor and they refuse to do anything about it I want to pay off the credit card but with the proof of my receipts along with the dispute I should not owe the interest I have had very rude employees disregard everything that I tell them and just make up excuses and refuse to help Home Depot the company has done everything on their end that they can The store itself refused to fix any wrongdoing on their end with reporting the refund and new purchase amount to Citibank Citibank has flip-flopped back-and-forth for months and are now refusing to do anything and wanting all payment including late fees and interest despite them telling me not to make payments and that no late fees are interest would be put onto the account
Product: Credit reporting or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently submitted my credit reports off to the credit bureaus and they did not respond back, it has been over 45 days nearly.. I thought we are suppose to get legal help if we don't get a response from the credit bureaus in a timely manner. I am actually upset about this matter because I am currently in the process of purchasing a home soon and I really don't ever use my credit for anything I'm getting very old. I noticed I have mixed names on my credit report, along with negative accounts that I have never applied for if so could you show me the contracts bearing my wet signature? Also my wife name is included in my name? I didn't believe my own eyes.. IM BAFFLED!
Product: Credit card or prepaid card

Alliant Credit Union charged me an annual fee for their credit card in XXXX. They then changed the terms of the credit card in XXXX, removing the product that the annual fee is for. They refuse to honor their commitment to the payment terms and also refuse to refund the annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon doing a IDR ( income driven repayment ) plan on my original XXXX loan taken out in XXXX, I received XXXX ( XXXX ) notices from Great Lakes XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX stating that the XXXX XXXX account with the XXXX XXXX XXXX XXXX, in both emails are Paid-In-Full. However, once it showed paid-in-full, I got an alert from XXXX and now shows the same loan with the EXACT information opened on XX/XX/XXXX, which i NEVER opened a new loan. This is an existing loan from XXXX. They are refusing to take this off my credit report after multiple disputes.
Product: Credit reporting or other personal consumer reports

I have a vehicle loan on my account I took out XX/XX/XXXX. The account has never been transferred, refinanced or changed in any way during the time I had the vehicle. I traded this same vehicle in XX/XX/XXXX and the account was paid and closed. Currently, this same account is reporting 3 times on my credit reports with slightly different open dates along with with payment history which is inaccurate. I have disputed this online and in writing to each of the credit bureaus over the years. I have reached out to the creditor for them to fix the error as well to no avail. I have done everything I know, however, the account continues to report erroneously on all three.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration upon receiving a copy of my updated credit report. It has come to my attention that despite my previous communication dated XX/XX/2023 of rectifying the errors and mistakes, the report still contains inaccuracies. This situation has left me feeling both disadvantaged and apprehensive, especially because this inaccuracy is hindering my efforts to secure new lines of credit. Regrettably, lenders have repeatedly rejected my applications based on my tarnished credit profile.
Product: Credit reporting or other personal consumer reports

I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action.

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the company, Experian, to investigate thoroughly the XXXX XXXX XXXX account on my credit report because it in inaccurate. It is for a medical debt that I am not responsible for. The hospital that it would have come from had full access to our insurance information and billed by our XXXX XXXX military insurance, XXXX. The insurance paid this debt. Now, XXXX is trying to get double paid by us as patients as well for the hospital. This is illegal and unethical. I have asked the creditor and Experian several times to remove it and have even provided evidence to were other credit bureaus found it to be a fraudulent debt claim and remove it. Experian still refused to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These student loans are under federal fraud investigation that i have filed with My State, the XXXX and Department if education. These matters were placed on hold by President Trump and the Department of Education for over a year. These fraudulent loans giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.
Product: Vehicle loan or lease

On XX/XX/XXXX, a second modification agreement was made to my retail installment contract for a XXXX XXXX XXXX. The company who financed the truck is " Bridgecrest ''. The original maturity date was XX/XX/XXXX. The first deferment changed the maturity date to XX/XX/XXXX. Since XX/XX/XXXX, I have made all payments on time and even ahead of time in some cases. My last payment ( New Maturity Date ) is supposed to be XX/XX/XXXX. I made that last payment on XXXX  XX/XX/XXXX instead. 

I called them today to make sure that my title will be sent to the correct address. They are saying that I still have a huge remaining balance. There is no way that is correct. I have the documentation FROM THEM to prove that there's a discrepancy on their part. And so they are expected more money on a vehicle that, by all accounts, is paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These are the items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX, MI XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXX : {$1200.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Debt collection

portfolio recovery REFUSES to give me a signed contract by me, they also refuse to tell me The FIRST DATE OF DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX XXXX XXXX portofolio recovery illegally re-aged this outdated debt damaging my credit and refuse to remove it and they keep calling me on the phone. 
WHAT IS FIRST DATE OF DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX XXXX XXXX????? I NEVER SIGNED A CONTRACT WITH portfolio recovery. HOW OLD IS THIS DEBT???
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate, two identical bills both they see being reported differently, See if the XXXX  at equifax can figure it out Equifax and XXXX  According to the fair credit reporting act, any data being report ed to my credit file must be fair, accurate, and complete. Also the accounts being collected must be validated. I have complained and filed disputes for these in the past for months and all the credit bureaus have lied and not conducted investigations or you would of read the documentation And saw what this creditor sent to me showed that they did not have any validation documentation prior to XX/XX/2022. They lied to you and you lied to me because you did no investigation ans you havent read the disputes and the supporting documents or you would have already taken action against these criminals. And the documentation they did provide from the XXXX letter is a XXXX violation and is null and void and none of you are suppose to see a federal protected document like that even if it were legit but they made it up themselves almost 5 years too late!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute disputing this account and this company failed to respond within the 30-45 days time frame. I requested for proof of documents because this account was to be paid off in full and is still incorrectly reporting and hindering the growth of my credit score.. XXXX has not responded or provided any type of documentation supporting this account.

Also this account is reporting every month negatively on my report dropping my score.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed unauthorized accounts on my report
Product: Debt collection

I had a secured credit card for {$300.00}. I got behind on payments for a couple months 2 years ago XXXX XXXX XXXX closed the account and put me on a payment plan I was paying {$75.00} to {$55.00} dollars every other month than they sold it to XXXX XXXX and there aggressive Attorneys who filed a judgement against me when we only make when we only made {$42000.00} a year. The amount they are trying to collect is {$710.00} and my Credit Card was only a {$300.00} limit which I had been paying on for at least 6 months. They keep going to court and calling and harassing us my wife had major XXXX and is now having to go through another one. We have been hit hard with the loss of some of our income and we have XXXX children. My credit is now ruined because they filed a judgement against me that was an incorrect amount and extremely high. I have 2 jobs and we can not pay our mortgage we were trying to get a home modification and add me to our house as my wife no longer makes enough to be granted one and now we can not. This is the only thing on my credit.
Product: Mortgage

Since XX/XX/2014 I have been in and out of work and have been trying to work out an agreement with Wells Fargo Mortgage. They bought my mortgage when XXXX XXXX was bought out. I have gotten the run around, lied to given unacceptable terms, and the delays in paperwork processing has ruined my husbands and my credit. I want this situation rectified immediately. I have had it with this mortgage and if I could take my business elsewhere I would.
Product: Money transfer, virtual currency, or money service

I was on the platform XXXX  ( XXXX ). Someone introduces themself as XXXX XXXX  ( private ). Thanking me for being a part of his XXXX  family. Days later someone XXXX XXXX XXXX. Said they were part of the management dept and wanted to offer me a proposition to make {$2000.00} in 7 days guaranteed. I believed them, because of my prior encounter. They I should open the XXXX XXXX and he taught me how to buy a bitcoin. But the fee lowered the presumed amount of {$200.00}, so they asked for another deposit and it kept escalating. I reached out to XXXX ( private ), I explained what happened, He/She explained to block, report and delete EMM account. At this point Im {$4900.00} out. I kept getting emails. About a week later I got messaged by XXXX XXXX XXXX apologizing for what has happed. That this should not be happening on his platform. They stated to open a XXXX account so I can get a refund. I opened it and he ask how much did they take? He automatically added it in dollars. They stated it would be only {$85.00} for the processing fee. I paid be the fees took out from the amount and once again I was caught sending more money. Another $ XXXX down the drain. I finally woke up and closed my XXXX XXXX XXXXXXXX ) account. Since then I have filed a police report and FBI report and looking into filing a lawsuit. I have lots photos. 

Impersonators and scammers posing as XXXX XXXX, XXXX XXXX and President XXXX XXXX. They contacted me via XXXX  platform, telegram and email.
Product: Payday loan, title loan, or personal loan

I was sent an email stating that my interest rate was reduced from 93.50 % to 91.50 % for on time payments. I did not sign up for this high of an interest rate and I do not believe they are allowed to charge me this much. 90 % interest since XXXX of 2022 is crazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


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