23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My complaint is in reference to SallieMae. My total loan payment is {$490.00} in total. I have requested for several months over the past 2-3 years a lowered amount. One of the loans original amount was {$5000.00}, I have been paying anout {$150.00} on the loan since 2021 and my loan amount has only gone down {$530.00}. I informed them that I moved and changed jobs which resulted in a decrease to my salary and they could not provide me with any assistance in lowering my monthly payments. I informed them when I lost a job and their response was to just pay what you can and once the loan goes into default they may be able to assistance in lowering the monthly payment. SallieMae has been a predatory company, they are not doing things any differently than when they were under the name XXXX. They are taking advantage of vulnerable populations that need funding for school and offering ridiculous interest rates that result in paying 3x the amount originally charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 18 accounts on my credit report that do not belong to me I have been in contact with the bureaus and the furnishers and they are not helping me out I have been going and forth with them regarding these accounts they are not mine I dont know how welse to say this!!! 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are reporting incorrectly please investigate these : Bankruptcy Decree Chapter XXXX Account # Case # XXXX Child Support Account # Case ID # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX. Account # XXXX XXXX Account # XXXX XXXX. Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One marked me incorrectly as deceased on XX/XX/XXXX for account ending in XXXX. They also are still incorrectly reporting late payments on a credit card account ending in XXXX after 60 days of them promising they fixed it. 

I immediately called in to have it fixed, as they caused me to suddenly have NO credit score due to their incorrect reporting of being deceased. 

I received a letter stating they looked into my account and found nothing wrong on XX/XX/XXXX. This was for the wrong account after I explained in detail which account was showing the issue. 

It has now been 2 months and capital one refuses to update or notify the remaining credit bureau that I am not dead. I have called Capital One and XXXX ( which is reporting me as deceased STILL ) and both have said it is not their fault, and that the other is the culprit. 

I have now lost a total of {$2200.00} in earnest money that I put down on a house because of Capital Ones Irresponsible and unhelpful customer service. Thousands of dollars. Gone. When I call them now they just state it shows here on your account that you need to wait 90 days from XX/XX/XXXX meanwhile they initially told me multiple times they would fix it IMMEDIATELY because it is holding me back from buying a house! The resolution they are trying to feed me is 120 days of having a critically negative impact to my credit score due to Capital Ones gross negligence. 

They are abhorrent at customer service and are causing my family and I extreme grief over their mistake. They have been horrible in trying to fix it and unhelpful in any way. 

In addition to this, they were supposed to delete late payments for an account ending in XXXX for the months of XX/XX/XXXX and XX/XX/XXXX, which I received a letter for dated XX/XX/XXXX. XXXX STILL shows those late payments as being reported by capital one as recently as XX/XX/XXXX. So Capital One again is ruining my credit report with inaccurate information. 

The correct reporting from Capital One should show 0 missed payments for all three bureaus across accounts XXXX and XXXX, and should be REPORTING ME CORRECTLY AS NOT DECEASED. This is the bare minimum expected of any financial institution. How did Capital One even let this happen in the first place? 


XXXX : Fix me in your system. I am not deceased. 

XXXX : I have incorrect late payments marked in your system for my Capital One card ending in XXXX. I have tried several times now to get you to update these, even providing the same letter attached directly from Capital One stating these are not late payments and are incorrect. Update these please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX RAN MY CREDIT 3 TIMES IN ERROR, TRANSUNION AND XXXX IN ERROR, AUTHORIZED SOFT ONLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my credit file with my phone and someone used my information to apply for credit and no one contacted me at all
Product: Credit reporting or other personal consumer reports

There are multiple unauthorized hard inquires in my consumer reports that I did not authorize, multiple names that are inaccurate and not me, and multiple address that are inaccurate and that is not the correct address. Please block and remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My federal student loans were transferred to MOHELA from XXXX because I am pursuing XXXX. When I consolidated, I selected the then-REPAYE ( now XXXX ) payment plan. However, after consolidation, my loans remained on the XXXX XXXX. I applied again for XXXX in XX/XX/2023 and my application was marked duplicate. Then, MOHELA moved my repayment plan from XXXX to level, increasing my payment from less than $ XXXX to {$320.00}. I applied again for SAVE in XXXX, and my application is still showing as processing through XXXX. On XXXX, my application is marked processed, so it appears that XXXX indicated to the Department of Education that they had processed my application- when, in fact, they had not. During this time, I learned that there were issues with the IRS retrieval tool ( which I had used ), so I submitted a new XXXX application for the XXXX repayment plan, and manually uploaded my tax transcripts for the last 3 years. Inexplicably, in XXXX, all of those documents were marked duplicate, while my XXXX application stayed processing. During this time, MOHELA placed me on administrative forbearance - meaning that while I did not have a payment due, the months of forbearance would not count towards my XXXX  forgiveness. This is important because my payment will be {$0.00} under the XXXX XXXX, and interest will not accrue! Instead of putting me on the correct plan, MOHELA has added hundreds of dollars of interest to the balance of my loans, forfeited XXXX months towards XXXX, and now, theyve still not processed my application and my administrative forbearance has ended. I owe them {$320.00} under the level plan on XX/XX/XXXX. 

I have sent multiple messages, submitted formal complaints to both MOHELA themselves and about them to XXXX. All Ive heard back is that they will review my complaint within XXXX business days - never mind that all the while, my loans are accruing interest and the clock is ticking faster towards a payment I can not afford and should not have to make, if they would just process my applications. 

I have tried to call several times, but have not been able to get through on the phones. Whenever they reply to a message, they just tell me to call them- but I would have to take a day off work to sit on hold for the hours that would take.
Product: Credit reporting or other personal consumer reports

I have made repeated efforts to address the issue of unauthorized inquiries on my consumer report, but without success. These inquiries are entirely unrelated to me and I am not responsible for them. Their presence has resulted in considerable emotional and financial strain. As an identity theft victim, I may have to resort to legal action if this issue isn't properly resolved. These fraudulent and inaccurate entries have prevented me from purchasing my ideal home and meeting my family 's financial needs, significantly impacting my economic stability. I've enclosed a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution for your reference.
Product: Credit reporting or other personal consumer reports

On XX/XX/ a dispute was filed on my behalf by XXXX XXXX for a BANKRUPTCY ACCOUNT ( XXXX ) EQUIFAX is reporting on my credit report. As of XX/XX/2023 I have yet to receive any results of my dispute. According to the FCRA, credit bureaus have 30 days to respond to a consumer 's dispute or the account should be DELETED. It has been 50 days with no response from EQUIFAX, which places them in violation of 15 USC 1681 ( i ). The only remedy for this matter is for EQUIFAX to delete this BANKRUPTCY ACCOUNT ( XXXX ) immediately. I intend on holding EQUIFAX liable for any undue financial hardship I've suffered by there negligence of the law and violation of my rights unless this DELETE this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned through my credit monitoring company that Capitol One pulled a credit report without my permission with all three credit bureaus on XX/XX/2021.
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 {$5600.00}, {$1700.00}, {$0.00}. 
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. 

-- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

3. XXXX. XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submittign this CFPB Complaint you today to inform you I that I am a victim of identity theft. I researched on how to remove the fraudulent accounts ad information from 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 any accounts and information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have been attempting to dispute and resolve this account with Porfolio Recovery for almost 2 years. I have requested ( via certified mail ) validation of the debt. They have not complied with the request, instead sending me basic information, not including proof they purchased this account from XXXX XXXX, not including proof they are legally able to act as a collection agency in RI and not providing dates of the account, dates of delinquency, etc. 

After having no luck I retained Attorney XXXX XXXX ( XXXX ) XXXX to attempt to resolve this collection or to file bankruptcy on my behalf. They refused to speak with the attorney until I signed an Authorization from Portfolio Recovery giving Attorney XXXX permission to speak with them. I did so over 6 weeks ago and Portfolio has refused to commnicate with my attorney 's office. My attorney has left messages over the past 8 weeks and they refuse to discuss this matter with my attorney.

Also, I pulled my credit report and they are incorrectly reporting this account. According to XXXX I opened this account on XX/XX/XXXX ; however, the first delinquency was XX/XX/XXXX, 7 months BEFORE I opened the account. Again, because Portfolio will not respond to my attorney they will not correct this incorrect information.
Product: Debt collection

Paid my debt on XX/XX/XXXX The company will not provide me a settlement letter/paid in full letter and giving me the run around. I was told it will take 21-30 days which is not a requirement by law I have called everyday since the XXXX and the company confirmed receipt of payment but, refuses to provide me a paid in full/settlement letter in a timely manner
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX XXXX initiated an internal dispute regarding some adverse items on my credit report with XXXX, XXXX and Equifax. Within less than 24 hours I received my results back from Equifax stating that 5 of the 11 items that I disputed were complete. I requested that Equifax provide me with lawful verification from the trustee over my persons bankruptcy case that gives authorization to publish personal, sensitive and private information. That was not provided to me upon request before making a fraudulent determination that such item was verified by such trustee. Other items on my credit report were also disputed such as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I requested verification from the trustee over these accounts that gives authority to report, and publish such sensitive, personal and private information as well as well as verification from the consumer that consent was given by the consumer to Equifax to report, and publish such personal, sensitive and private information. No verification was given to consumer nor proof of consent was given to consumer. Equifax still has items published and reported on credit report that reflects a status of late payments, a balance which adversely affects the reputation and credibility of the consumer which is a violation of 15 U.S.C. 1692. EQUIFAX knowingly and willingly disregarded such verification process and rushed a negative result to consumer which afforded no remedy to the consumer for such violations. There were a total of 45 inquiries on my report that I did not consent to and also requested verification in which non was given
Product: Checking or savings account

Wells Fargo advertises a days grace period to add funds to your account in order to avoid overdraft fees. I wanted to add {$25.00} to my XXXX account on XX/XX/XXXX and the transaction was approved. However the next day Wells Fargo tried to say the money was not available. Anyone who has ever tried to add money to a XXXX XXXX  account knows if the money isnt available, the transaction would not be approved. I have an automated debit of XXXX $ to my savings from my checking every day, this is what put my account into the negative by literally cents. I did add money to the account on XX/XX/XXXX to cover the overdraft of {$35.00} plus the XXXX it went over. When I called, first they refused to reverse the fee, then proceeded to tell me well its not really a days grace period, its a banking open XXXX closing.
Product: Debt collection

I received a letter now several years ago from XXXX XXXX XXXX that indicated their intent to file a law suit over a XXXX credit card debt with XXXX. Cavalry, LLC works with " XXXX '' XXXX XXXX as a predatory collection agency bthat uses law suitsa to harrass and malicioulsy attack consumers who may have experienced hardships. When I contacted them abouty making small payments as I have with other creditors, they demanded I pay the entire amount or payments clearly designed to threayen and intimidate consumers such as myself. 

They showed no respect, courtesy or interest in making a small payment arrangement especially in the time of the covi d pandemic when many including myself are undergoing sigificant hardships. This company uses aggressive and threatening legal tactics, and makes no attempt to work with consumers launching into lawsuits as a way of bullying and mistreatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached on in the month of XX/XX/2023 to have some accounts that were reporting inaccurately on my credit report removed. I am very familiar with the laws in which governs these credit reporting agencies to report facutal data when it comes to my name. 

The list of accounts which they are knowingly reporting inaccurately are the following below : 1. XXXX XXXX = Inaccurate ( HIGH CREDIT, DATE LAST ACTIVE, DATER OF LAST PAYMENT, DATE LAST ACTIVE. 

2. XXXX XXXX= Inaccurate ( DATE LAST ACTIVE ) 3. XXXX XXXX XXXX = Inaccurate ( CREDIT LIMIT, DATE LAST ACTIVE, DATE LAST PAYMENT. 

4. XXXXXXXX XXXX = Inaccurate ( BALANCE, PAYMENT STATUS, DATE OF LAST ACTIVITY. 

5.XXXX XXXX = Inaccurate ( PAST DUE, DATE OF LAST ACTIVITY, DATE OPENED 6. XXXX XXXX = Inaccurate ( BALANCE, DATE OF LAST PAYMENT, DATE OPENED, NUMBER OF MONTHS " TERM ''. 

7. XXXXXXXX XXXX = Inaccurate ( MONTHLY PAYMENTS, BALANCE, PAYMENT STATUS. 

8. XXXX XXXX = Inaccurate ( ACCOUNT INFO ) XXXX AND TRANSUNION REMOVED THE ACCOUNT BUT SOME HOW XXXX IS STILL LISTING ERRONEOUS ACCOUNT )
Product: Debt collection

Never received a notice from SEQUIUM ASSET SOLUTION for a debt {$740.00} I never owed, it is a similar amount as a false collections by resource management and receivables performance management. I do not know where this number came from. I never received notice in writing about it and was never ever contacted about it. I want it removed immediately.
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 : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and i am writing this complaint because of an unauthorized credit card inquiry on my report. I was notified on XXXX Experian app about this inquiry and it has dropped my score XXXX points. I did NOT approved nor sign for this inquiry and i am suffering from it. This negative is hurting my profile. I called Experian but i am place on hold with no respect for me. I need help as i am depressed because of this. i did not benefit from this and it is unfair. 

Here is inquiry that is unauthorized XXXX XXXX XXXX