23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, I am writing to file a formal complain against MOHELA for the constant negligence and disregard of my student loan processing. I submitted my IDR application XXXX XXXX XXXX. My application has been pending review for over 90 days. I have called this servicer 50+ times and have received misinformation constantly. I have waited for 3-4 hours daily to speak to a representative. I have scheduled over 30 call backs that have not been returned. I have been promised this matter would be escalated to supervisor/escalation units and have been blatantly hung up on. I have been promised processing times of 2-3 days, 5-7 days, and 10 days all amongst XXXX that which have NONE been adhered to. This loan servicers constantly has tried to push forbearance on my account multiple times. They have refused to reprocess a new IDR plan over the phone. I have sent complaint messages on XXXX XXXX XXXX XXXX which note will be responded to within 2-3 days, NONE of which have been responded to. I requested a full audit of this account which yet has not been provided. There is absolutely no way to get a hold of this servicer as when promised a call back- the call directly goes to VM where the agent attempts to report they called to respond - when they haven't. I have received the call back, placed into the waiting que, and have been forcedly disconnected and somehow the agent still has access to leave a VM? I was guaranteed the latest processing would be XXXX XXXX  and its still not processed however payment is due tomorrow. Not to mention my monthly payment has fluctuated for 3 months and MOHELA reps have no explanation as to why. There are so many discrepancies regarding my account, and it needs to be examined thoroughly and this servicer needs to be held accountable for all the false promises they have guaranteed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charged off account with   XXXX   XXXX   XXXX  .   XXXX   XXXX   XXXX   has been inaccurately reporting on my credit report as they have sold the account to  XXXX   XXXX   XXXX . I receive mail from   XXXX   XXXX   XXXX   attempting to collect on the debt as well as a letter from   XXXX   XXXX   XXXX   regarding my   XXXX   XXXX   XXXX   account dated  XXXX   XXXX .   When I contact   XXXX   XXXX   XXXX   they can not assist me with my account, so why are they still reporting on my credit report even though they no longer have my account to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank ) still shows over $ XXXX when in fact the amount is XXXX and the loan was deleted per the bank executives. Experian has failed to update their own records. 
I contacted the bank and asked why they haven't sent in the info to the credit agency to which they replied they did and that it should show NO loan amount or balance on my account. Experian won't let me submit another complaint and is too lazy to update their records. Looking for a way to sue them as well since they are hurting my credit and costing me money monthly. 
Your help is appreciated. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX XXXX and XXXX XXXX for their mishandling of my personal and business information, including illegal reporting, failure to validate debts, unauthorized communication, and improper collection practices. Despite disputes, these entities have continued collection and communication efforts without providing the legally required documentation.

1. Failure to Validate Debts The named banks failed to validate debts they are attempting to collect or report. Despite my requests, they have not provided proper documentation, including : Wet-ink signatures proving authorization ( e-signatures are invalid ).

IP address logs showing where applications were submitted.

Forward flow agreements or proof of ownership for charged-off debts.

Chain of title for debts sold or transferred to third parties.

Violations : FDCPA, 15 U.S.C. 1692g ( b ) : Requires debt collectors to cease collection until validation is provided.

FCRA, 15 U.S.C. 1681s-2 ( b ) : Obligation to verify disputed debts before reporting.

2. Illegal Reporting to Credit Reporting Agencies These banks reported unvalidated and fraudulent debts to XXXX, XXXX, and XXXX despite disputes and clear evidence of identity theft. This illegal reporting continues to harm my credit profile.

Violations : FCRA, 15 U.S.C. 1681e ( b ) : Requires maximum possible accuracy in credit reporting.

15 U.S.C. 1681c-2 : Duty to block fraudulent information after notice of identity theft.

3. Unauthorized Communication The banks continued to contact me directly and report to CRAs without permission, despite disputes and cease-and-desist requests. These actions constitute harassment and unauthorized use of my information.

Violations : FDCPA, 15 U.S.C. 1692c ( a ) : Prohibits unauthorized communication with consumers.

TCPA, 47 U.S.C. 227 : Restricts unauthorized phone calls or messages.

4. Improper Investigation Practices Despite my disputes, these banks failed to conduct reasonable investigations, ignoring my requests for validation and refusing to provide transparency into their investigation tactics. Violations : FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) : Duty to reinvestigate disputed information.

CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : Prohibits deceptive or unfair practices.

5. Data Breach and Mishandling Concerns The fraudulent activity associated with these accounts may be tied to data breaches involving XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX, raising concerns about how these banks handle consumer information. 

Violations : CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : Obligation to safeguard consumer data.

FCRA, 15 U.S.C. 1681e ( a ) : Requirement to prevent unauthorized access to credit information.

6. Failure to Comply with XXXX XXXX XXXX XXXX XXXX The banks have not demonstrated that debts are not connected to fiat currency or speculative value, as highlighted in XXXX XXXX XXXX XXXX XXXX. Without this validation, these debts can not be enforced. 

Violations : FCRA and related equity principles requiring full disclosure of debt origin and legitimacy.
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 debt bondage, which falls under XXXX according to XXXXDebt 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to dispute the presence of late payments on my credit report, as listed in the attached report. I believe there is an error in the reporting, and I kindly request an immediate investigation and correction of the information. 

I have identified the following discrepancies in my credit report : XXXX XXXX  XXXX and XXXX XXXX I request that you conduct a thorough investigation into this matter and correct any inaccuracies in my credit report as soon as possible. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies investigate disputed items within 30 days of receiving a dispute. 

Please send me a written confirmation of the results of your investigation, including any corrections made to my credit report. Additionally, I request that you provide an updated copy of my credit report reflecting the corrections.
Product: Credit card or prepaid card

I feel so small fighting this big giant First Bankard. They closed my account without warning in the middle of my mortgage refinance, despite me paying on time. I know they have the right to do this but I dont think its fair and just hence the reason am complaining. 
I spoke to their nice rep but she cant do any help despite me offering to pay off 80 % of the amount owned. Pls I just want them to re open my credit And so I can proceed with my Refi. Thank you I hope we all have a very happy holidays.
Product: Mortgage

On Saturday, XX/XX/2021 around XXXX XXXX  eastern time, I applied for a home loan through AmCap mortgage out of XXXX TX. I received an automated response from someone named XXXX XXXX but it was from his regular email at AmCap. It said that they were going to search for the best programs/loans for me and get back to me soon with the information. I replied to his email stating that I was a veteran and was interested in a VA mortgage. No other response or contact was received and I was not acknowledged in any way. Im assuming that my credit wasnt strong enough for them to work with me as I know my credit score is either right below or right at the score needed to get a VA loan. What I dont understand though is why businesses dealing with financial transactions like this feel no responsibility to follow up with customers when there is less of a chance of a successful placement of a mortgage right away. Also, I am of the understanding that if I dont qualify that I am supposed to get some kind of explanation in writing. It would also be nice to have someone follow up with me. Based off of this companys reviews it appears this is a common thing for them and I felt it necessary to report this so it doesnt keep happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX
Product: Checking or savings account

I have 2 savings accounts through this bank. I had left them untouched for an extended period of time both accounts went to " inactive '' state due to inactivity. When I realized the accounts went " inactive '' I reached out to Citibank to initiate the process to reactivate them asap to withdraw the balance and close the accounts. I have followed their instructions and have sent them the required paperwork to re-activate both accounts. Initial date of contact with Citibank was XX/XX/24. I received instructions to reactivate accounts, I followed through with that and until this they continue to refuse to reactivate my accounts stating they will follow up with the process and return to me with an update. It's been over 2 months and no answers from Citibank nor are my accounts reactivated. I just want what is rightfully mine ( my money ) and close those accounts asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our mortgage company is stating that since the state I reside in was deemed as a federal disaster in XX/XX/2021 that FEMA required ALL mortgage companies to report to credit bureaus for anyone with a mortgage that they needed financial assistance to pay mortgages even if they did not need help. We did not need help and told the mortgage company that. As a matter of fact, our payments were made in advance of the Texas Winter Storm. According to XXXX, our mortgage company reported that we were in a loan modification because of the federal disaster and they refuse to report that our payments were made on time for XXXX, XXXX and XXXX of XXXX Credit reports for myself and husband are showing NO DATA REPORTED for those months. Mortgage company advised me this morning that the reported information would not be corrected because that is how FEMA told them it had to be reported. We were NOT under a forbearance or loan modification and all payments were made on time. Even though the no data reporting does not neccesarily hurt our FICO score, it doesnt help it and we arent getting the credit for those payments that are being made. We've had this problem with this company before and their sister company as well. It is frustrating and want it to be corrected and reported accurately. Thank you.
Product: Credit card or prepaid card

I had disputed amounts charged to me by an entity known as XXXX XXXXXXXX in on XX/XX/2018 for {$560.00} and {$430.00} on my Chase credit card. Long story short, after much back and forth for almost a year, Chase told me they closed out the case and told me I was responsible for the charges. Even after I had provided them evidence of the company being fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts below have the wrong balance. 

Open credit card accounts View all accounts XXXX XXXX Reported XX/XX/2018 278 % Balance : {$550.00} / {$200.00} XXXX XXXX XXXX Reported XX/XX/2018 123 % Balance : {$240.00} / {$200.00} XXXX XXXX Reported XX/XX/2018 122 % Balance : {$240.00} / {$200.00} XXXX  XXXX XXXX Reported XX/XX/2018 78 % Balance : {$230.00} / {$300.00} XXXX XXXX Reported XX/XX/2018 55 % Balance : {$550.00} / {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

My account is only being report to 2 of the 3 credit bureaus which are XXXX and XXXX. The account is not being reported to TransUnion. I called XXXX # XXXX ( XXXX XXXX department ) and was told they cant report my account to TransUnion. But in the response to my CFPB complaint they said theyll report my account to all XXXX bureaus TransUnion, XXXX and XXXX. I also call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a total of XXXX times which he did call me back today XX/XX/2024 but he ended the call ( yes the call came through but was disconnected so fast that I was not able to accept it )
Product: Credit reporting

On XXXX XXXX 2015, I received a letter from the XXXX XXXX XXXX XXXX stating that my personal information had been compromised in a cyberattack. As a preventative measure, I placed security freezes on my credit reports at all XXXX agencies around the date of XXXX XXXX 2015. I checked my credit score at TransUnion online, the last credit reporting agency on my list. In a hurry to complete my list, I accidentally signed up for a " credit lock product '' on the TransUnion website. It was unclear until a month later as I was reviewing my credit card statement that this monitoring service cost $ XXXX/mo. Attempting to turn off the service via the their phone help line and online terminals was unnecessarily complicated, taking no less than an hour and a half of my time on the phone after several failed attempts to cancel the service online. After that, I was instructed to call the automated security freeze phone line to place a security freeze on my credit report. Again, I tried via their online terminal and automated security freeze line to place a security freeze on my credit report, I was unsuccessful after repeated attempts. Shortly thereafter, I wrote the TransUnion fraud department a letter ( see attached ), requesting a freeze be placed on my account and furnishing all the information necessary to do so. They sent a form letter and a " security freeze request form '' in response, which I am filling out and returning today. In comparison to my experience with the other credit reporting agencies, the process I endured attempting to place a security freeze on my credit report with TransUnion was downright onerous. Their customer service was n't helpful. Their description of their " credit lock product '' was unclear and misleading. The monitoring service was very difficult to cancel. Their website and automated help line failed with every attempt I made to place a freeze on my report. It was nothing short of a great, big hassle and six weeks later, I still have not achieved my relatively simple goal.
Product: Debt collection

I gave my 30 day notice to my former apartment complex, which they received and were given keys as well in person XX/XX/20. We moved due to a Roach infestation that has been an issue since the very first week of moving there and we were convinced the property had no roaches and told its not the buildings fault, however every unit had roaches. The manager was extremely rude my entire time in this building and would not speak to me but only to my partner because he spoke XXXX. She would yell at me, degrade me and make disrespectful comments to my family. We lived there for 2 years and the building was not maintained, rent always increased and multiple times without notice, and now that weve moved during Covid because of the roach issue and we were accepted to participate in the ERAS rent relief program with XXXX city who worked directly with the manager and now I see a collections report of over XXXX owed which was never even mentioned, they never returned our deposit to us, nor is it possible to owe them that much money. I was never notified of this until I saw it show up on my credit report. This company has done multiple illegal issues throughout our time living there and I can not pay that amount, especially when it is not accurate and I dont know why it is there.please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX and Transunion on XX/XX/2023 about XXXX XXXX XXXX collections account that was opened on my credit report XX/XX/2023 stating i owe {$790.00}. A dispute was filed because I have no knowledge of this account. XXXX and Transunion marked the account as accurate and verified and closed my dispute. I have thoroughly reviewed my credit history and financial records, and no evidence of this account 's existence or any related transactions have been found. They did not provide me with written verification and validation of this debt that they claiming to be mine. I am eager to resolve this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, there was a hard inquiry from XXXX. An unknown individual applied for a credit card with their bank. I did not and contacted XXXX Bank to report the fraud. It has not been removed from credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my credit report and fox collection is reporting I owe XXXX 
And am not sure why I never conducted business with this company.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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: Debt collection

They wouldn't let me bring back my device to be able to get the debt out of my name also they never let me know that I had 14 days to bring it back