23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello, MOHELA is my student loan processor. In short, they have wrongfully reversed my loan discharge AND disclosed inaccurate information to XXXX XXXX without my consent leading to the denial of my mortgage just before the loan closed. 

The reversal of my loan discharge and the lack of transparency and incompetency of MOHELA has led to excessive cost, potential homelessness, and a mortgage denial. Please see below. 

In addition to the end result of MOHELA 's inability to correctly process my loan forgiveness, they just disclosed the following to XXXX XXXX without my consent and I'd like to discuss my options. 



From : XXXX, XXXX Sent : XXXX, XX/XX/2024 XXXX XXXX  To : XXXX XXXX XXXX XXXX Subject : RE : Auto Payoff XXXX XXXX I just called but was unable to reach you. 



We are running into issues with the Mohela student loans. The underwriter called them for clarification on what we discussed yesterday regarding the forbearance vs forgiveness. They did not provide/ allude to the same information that we were under the impression of yesterday. 



The Mohela agent told our underwriter that the loans are not being forgiven and are not eligible for forgiveness. She then stated that the letter stating that the forgiveness was sent in error and that there was a letter sent XX/XX/2024 stating that the forgiveness letter was sent in error and that your loans are not forgiven. ( seems very unethical and shady  ) They then told us the loan is only in forbearance until XXXX XXXX XXXX, and that there is a separate forbearance showing a date of XXXX but that is just a place holder and they told us that is there because the loans are being disputed and once that dispute is completed then the forbearance will end. 



Essentially, they are telling us, that nothing is going to be forgiven and that you dont qualify for any of the forgiveness programs yet, they told us the forbearance is until end of XXXX XXXX and then there is a forebearance due to XXXX disputing XXXX loan and that forbearance has a date of XXXX but they told us that is just until the dispute is over. 



I am really not sure what to do here. With this information, we must use .5 % XXXX % of the balance as a payment and that would push your debt to income ratio out of line. 



Please give me a call to discuss. 



Thanks, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX, MN XXXX XXXX XXXX Tel XXXX Ext. XXXX XXXX Thank you for your time and consideration. I look forward to hearing from you. 



Kind Regards, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX XXXX 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

Back in XXXX or XXXX of XXXX I contacted Bank of America about a {$5000.00} credit card opened back in XX/XX/XXXX showing on my credit report. When speaking to the Bank of America representative I was told my social number wasnt found in their system. I was told to report that discrepancy to the Credit Bureau in that way if the credit bureau contacts Bank of America they would be able to verify I am not a client. I would like to have this account taken off my credit report as Ive already created a fraud alert because I am not the owner of the Bank Of America credit card account.
Product: Money transfer, virtual currency, or money service

I made four different transactions with the same seller on my account. With all four, the seller provided one tracking number that shows that the package was delivered to an incorrect shipping address. The tracking number the seller provided was XXXX XXXX. The delivery address I provided to the seller is to XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX The tracking number the seller provided shows that the package went to XXXX XXXX XXXX PayPal denied all four cases on the reason of, Seller provided a tracking number. PayPal did not investigate any of the cases properly because if they did, they wouldve seen that the package was delivered to the incorrect location. The case IDs are XXXX XXXX XXXX, XXXX, XXXX. I need an immediate resolution for this!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting something that is older than seven years from the date that the debt was incurred. I have tried to resolve this directly with Equifax, XXXX, and XXXX XXXX and an unresolved complaint with the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Sec 604 ( a ) ( 3 ) ( F ) CRA violations. Please remove inaccurate information from report to include address updates and unwarranted credit inquires.
Product: Debt collection

ive had a loan with this company since atleast XX/XX/2013, i have always been a good customer, i am now in a financial bind and i am running a month behind on my payments. they are threatening me, calling my work after i have asked them what can i do to bring my account current or how can yall help me. they never say anything nor try to help. i have never had an issue making my payments before until now and they will not do anything. the manager XXXX is rude and i have asked her not to call my place of employment and my references have also asked and she continuously calls. sometimes they will call 3 times in a row within a 2 minute time frame.
Product: Debt collection

I received a phone call from a collection agency regarding a cell phone bill from XXXX XXXX XXXX XXXX. I have been disputing this bill for about 4-5 years now This isn't my bill and I have previously furnished a FTC Affidavit and police report and I am now sending the same information again. Please stop collecting on this this isn't my bill please close the account and remove from all 3 credit bureaus. 

Thank you
Product: Vehicle loan or lease

On XX/XX/XXXX, I traded in a leased XXXX XXXX  XXXX ( XXXX ) to Tesla Motors in XXXX, MA. Tesla was given and accepted the vehicle, along with a then-current buyout balance of {$45000.00} payable to XXXX XXXX. 

On XX/XX/XXXX, I became aware that my account with XXXX XXXX was delinquent because Tesla never sent the payment to XXXX ( or sent it to the wrong address, as they allege ). 

Due to Tesla 's mishandling of my trade-in 's buyout, my XXXX XXXX account has accrued additional balances and aging that I feel are not my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair credit reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, has violated my right 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/2022 I woke up to find charges that were made overnight on my Synchrony Bank Amazon store card. The purchases were made at approximately XXXX while I was asleep. I was able to successfully cancel one of the items as it was a physical item, but the other item had already been redeemed because it was for an amazon gift card for one-hundred dollars. I was told by amazon customer service that I need to deal directly with the card issuer, so I called Synchrony Bank. I was told I would receive a letter in the mail within seven to ten business days which I did and then another letter in thirty days after the case was received and resolved, which was never received. The issue was resolved, and I was issued a credit for the fraudulent charge. After getting off the phone with the bank I checked all my devices for any malicious activity as I noticed I had not received any login attempts, Having a XXXX XXXX XXXX i knew that meant that if something did happen it came from either someone on my network or a device in my house. I found malware on two devices in my home and called the bank back right away. I provided them with this information and that was the last I heard from them. Sixty days later I notice a balance transfer for the amount that I was credited for the fraudulent charge pending on my account. I called synchrony back, was connected to the investigation department and was told, by the same person, two different reasons why the claim was reversed. The first reason was that the merchandise was delivered to my house. I told the associate on the phone that this wasnt possible as the purchase made was for a digital item. He then told me that it was because the purchase was made from an IP address that I had made purchases from in the past. When I reiterated the context of my previous phone call, he said there was no note of the second call. He said he would reopen the claim, I would receive another letter in seven to ten business days with another resolution within thirty days. Within hours a received digital letter back saying that the fraud team has investigated my claim and it was denied. I have attached the letter below.
Product: Vehicle loan or lease

I sent my pay-off check to Nissian on XX/XX/XXXX by XXXX  for my XXXX XXXXXXXX XXXX XXXX. They received the payoff check on XX/XX/XXXX @ around XXXX XXXX and signed for the check. Its now XX/XX/XXXX and the loan is still not showing paid off. Which in turn now is going to make me 30 days past due and will now affect my credit score/report showing I was 30 days past due. ive called them numerous times asking about the account and why it has not been paid off and I get no answers but theyre showing that they received the check and sign for. It shouldnt take more then 10 Business days to process it because when you get a payoff quote its only good for 10 business days.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission, Equifax constantly response within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File XXXX ) against them for similar violations. I request the CFPB take action to ensure Equifax complied with federal law and provide consumers with necessary proof of investigation.
Product: Mortgage

We are an XXXX and XXXX XXXX in conjunction with XXXX XXXX were XXXX of our vendors. In XX/XX/2021 invoices started to not get paid. We have many emails with XXXX and XXXX XXXX asking for payment with them assuring us that they were looking into why the invoices were not paid. We have dealt with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. XXXX XXXX is the owner of XXXX XXXX and he stated that the invoices were owed and he would get them paid. We have not received payment for invoices totaling over {$45000.00}. We have settlement agreements showing that XXXX XXXX was paid for appraisal and XXXX fees but they were never paid to our XXXX
Product: Debt collection

On behalf of XXXX XXXX XXXX XXXX Radius Global has a debt of {$1700.00} on XX/XX/XXXX from an account that was opened due to Identity Theft. The account was not authorized to be opened by me.
Product: Credit reporting or other personal consumer reports

I " XXXX XXXX XXXX '' have noticed late payments on my consumer report that must be removed and deleted. Within addition, I request a new update with the credit cards reporting payments on time. According to the law FCRA 15 USC 1681 a 2Ai. ( 2 ) exclusions. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The credit bureaus have violated these consumer laws and must be held accountable for.
Product: Credit reporting or other personal consumer reports

TransUnion is continuing to report an account on my credit report that is due to identity theft and fraud. The bank has investigated and confirmed that it is fraudulent and the account doesn't ' belong to me. It should be removed. This is for the XXXX  XXXX XXXX credit account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts doesn't belong to me, nor did I authorize these accounts I've also reported my identity being compromised. Therefore, the credit reporting agencies are in direct violation of reporting these unauthorized fraudulent accounts as facts. I'm asking for these accounts to be removed from my credit file. 

1 ) XXXX XXXX XXXX  {$200.00} 2 ) XXXX XXXX XXXX  {$2100.00} 3 ) XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX {$640.00} 5 ) XXXX XXXX XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

I have disputed this with XXXX credit reporting agency over and over again and they refuse to comply.I asked XXXX to simply remove all internal blocks and security freezes from my credit report and they have recently sent me another letter stating, PLEASE BE ADVISED THAT THERE IS NO NO BLOCK REPORTING ON YOUR XXXX CREDIT FILE. PLEASE BE ADVISED THAT THERE IS NO FRAUD ALERT REPORTING ON YOUR XXXX CREDIT FILE. PLEASE BE ADVISED THAT THERE IS NOT AN ACTIVE SECURITY FREEZE REPORTING ON YOUR XXXX CREDIT FILE. I will be providing photo evidence that there is a internal block, security freeze, or something else XXXX is doing to prevent me from viewing my credit report or disputing inaccurate information on my credit report/profile.
Product: Bank account or service

Bank of America was unable to return money stolen from me trough fraudulent use of my debit card because they were closed for the holiday on XXXX. Even though I called the fraud/lost card center I was referred to the claims department which was also closed. I explained several times to different employees that I just opened the account and that I desperately needed the funds returned right away so I could make needed purchases I was shocked to learn that no one in the fraud department was able to issue temporary credits, not even supervisors. I ca n't believe that Bank of America 's security was breached so easily ( my new card has a micro chip ) and also that everyone was so helpless ( especially me ) just because of a holiday. Anyone needing to make a car payment or pay their mortgage would have had their credit ruined because of their inefficiencies.
Product: Vehicle loan or lease

GM Financial account # XXXX I purchased my lease for {$27000.00} this included NJ sales tax. 

I have not received any documentation from GM documenting that I purchased and paid sales tax. I CAN NOT register without this information.

I have called GM 11 times and have not received this information in spite of the fact that they keep telling me that I will I am asking for something in writing noting the sale price and the specific amount paid for NJ sales tax
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft, I requested for TransUnion to investigate the accounts on my credit report that I didnt authorize. The problem is the accounts is still remaining on my credit report after the investigation was completed. Im a victim of TransUnion credit report account neglect and TransUnion have done nothing to remove those accounts from my credit report after I have been in contact all form of ways with them. All the disputed and investigated accounts need to be removed immediately
Product: Debt collection

This letter is to formally demand that you immediately cease and desist all further communication with me regarding the alleged debt identified as account number XXXX. I am writing to you under my rights protected by the Fair Debt Collection Practices Act ( FDCPA ). 

I do not owe the debt to this company. I do not know this debt and believe it is not mine. I have never had an account with this company or related to this account number. Please provide me with verification of the alleged debt, the date of the account, and the amount owed.
Product: Credit reporting

I sent experian a certified letter, return receipt requested. Disputing late payments with my XXXX XXXX account. ( They are reporting I was late last month ) I included in this dispute, the actual trade line from my Experian Credit report, A print out of all my received payments from XXXX website, A letter signed and dated by me, asking for them to do a verification of their reporting. I received back a letter saying.. " We received a suspicious request regarding your personal credit information that we have determined was not sent by you '' they went on to say they are ignoring my request. 

This was a legitimate dispute, there is no reason to think it was from anyone else.
Product: Credit reporting or other personal consumer reports

There is an XXXX XXXX account/tradeline on my Equifax and XXXX credit files that is horridly inaccurate. Rather than conduct reasonable investigations, both Equifax and XXXX have chosen to persist the information when it knows or should know the information is false/inaccurate/misleading/incomplete. Now, a credit reporting agencys reliance on information gathered by outside entities is reasonable so long as the information is not inconsistent with the information the CRA ( s ) already had on file ( XXXX, XXXX, and XXXX writing in Hammoud v. Equifax Information Services, LLC, No. 21-2859 ( 6th Cir. 2022 ) citing Wright, 805 F.3d at 1240 ). The most glaring indicator that the account/tradeline is erroneous ( incomplete/false/misleading/inaccurate ) is the statements I provided indicating XXXX alleges to have charged-off the account on XXXX around XXXX XX/XX/XXXX. I provided a copy of the XXXX XX/XX/XXXX letter to CFPB Complaint XXXX, XXXX XX/XX/XXXX response to CFPB complaint XXXX, XXXX XXXX XX/XX/XXXX response to CFPB complaints XXXX, XXXX, & XXXX, and a XXXX XX/XX/XXXX response to my state 's office of Attorney General. Yet, the account is not reported as having been charged-off and has a period beyond charge-off that shows a payment history that is re-aged, brought current, and then randomly reported as being past-due, advancing from thirty ( 30 ) days past-due to one-hundred fifty ( 150 ) days past-due. The account indicates being brought current AGAIN ( re-aging ), and then begins reporting past-due from XX/XX/XXXX thru present advancing to one-hundred eighty days past-due in XX/XX/XXXX and has been marked as such for each additional month. Neither XXXX nor Equifax can claim they are unaware of the issue ( s ) with this account/tradeline. In fact XXXX even claimed they werent responsile for the way the information was being presented to the CRAs. The issue may indeed be with the information XXXX is furnishing to the CRAs. The issue may indeed involve factual and legal inaccuracies. However, the CFPB amicus brief filed in Sessa v. Trans Union , LLC, makes clear that the FCRA contains no exemption from conducting investigations and/or re-investigations that are triggered by disputes involving legal inaccuracies. So, there is no excuse for why XXXX and Equifax have declined to remove the account/tradeline from my credit files. The account/tradeline needs to be removed.
Product: Credit reporting or other personal consumer reports

I received a letter in the mail from a collection agency XXXX XXXX XXXX XXXX that states that are representing on behalf of XXXX XXXX XXXX. I asked them to validate this account as I have never heard of this creditor and they sent me a bill stating that I owe them {$1000.00}. I looked this company up and they do not have a license to collect in the State of Tennessee. Please delete this collection agency from collection or reporting on my XXXX, XXXX, or Transunion credit report if it is reporting.
Product: Debt collection

They call me 3 times a day for the last week 2 have asked repeatedly to but put the do not call list they have called repeatedly and I would like for them to stop immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a Bankruptcy on my credit files and all 3 bureaus claim to have verified the the Bankruptcy BANKRUPTCY XXXX XXXX Number : REF # XXXX with the courts, and I sent a letter certified to the courts to challenge this and the courts clearly states in the attached document that they don't send any such verification to any 3rd parties such as Credit reporting agencies like XXXX, XXXX AND TRANSUNION. so it's obvious that this information was obtained fraudulently and is being reported fraudulently and should be deleted and removed from all 3 credit reports and I should receive an updated report immediately. or I will sue each bureau for defamation of character and pursue monetary damages fully.
Product: Credit card or prepaid card

Synchrony bank has been harassing me with phone calls and letters since XX/XX/2018 about credit card debts that are not mine. I have explained to them that I am a victim of identity theft and never had any accounts with their company. I have sent in the documents that they asked me to fill out as well as my police report filed with the Wyoming police department. I have also been disputing fraudulent information with this company and other companies about fraud accounts. I asked the company not to call my home but they continue to do so as well as sending threatening mail.