23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing to complain about the services I've received from MOHELA and the consequences of their poor customer service on my student loan balance, including my consolidation loan for XXXX degree and my XXXX XXXX. MOHELA delays and processing errors have negatively impacted my account and I request the current interest rate to be changed to zero and no capitalization. I wrote to formally request all interest from XXXX accrued to be removed from my account. This includes all interest that continues to accrue on my account in XXXX due to processing delays that are no fault of my own. The delays caused by MOHELA processing of my XXXX application on multiple occasions since XX/XX/XXXX have led to increases in interest that should be removed from my account. In fact, all interest that has been capitalized since XX/XX/XXXX needs to be removed. I have experienced incredibly long processing delays, relaying of incorrect information from MOHELA representatives over phone calls, instances of MOHELA representatives telling me I am on administrative forbearance when I have not been placed on it even after requesting it on many phone calls and being placed on hold for hours. I was also given incorrect information by a MOHELA representative during my consolidation application was being processed and was told via phone that ALL of my loans were forgiven and " no action is needed ''. This is not what is reflected in my account. Every agent I have spoken to has provided different information and I was incorrectly denied an IDR application. I have been asked to recertify income 4 times now in XXXX without any progress made on being placed on the appropriate IDR plan. Additionally, I should have been on an XXXX plan prior to my loans being transferred to MOHELA when they were with Great Lakes. Since XX/XX/XXXX I have spent XXXX hours on phone calls, emails, and documentation updates as a result of these inefficiencies and my account reflects this poor service with the increased interest added. Additionally, my PSLF forms have not been updated appropriately on my account, and my payment count is lower than it should be. I am documenting every conversation I have with MOHELA representatives in writing and will keep my records or conflicting information provided and I will be utilizing this information as I continue to submit documentation to support my PSLF forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report # XXXX : Called in XX/XX/2021, XX/XX/2021, to update address nothing changed but it has updated for these request. On inquiries my report states I have XXXX, XXXX  of the inquiries is for same day was suppose to be soft inquiries count as XXXX. I was told it only count as1 but listed as XXXX inquiries. Everytime my score is suppose to go up Experian add some derogatory information to my report. I disputed addresses that are incorrect on the report : same address listed XXXX times and XXXX of them wrong. Creditors listed under bankruptcy was suppose to be listed under bankruptcy still listed separately. Experian make credit score drop instead of helping. To force me to purchase their products.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion Consumer Relations, I am writing to request the immediate removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I have identified several inquiries that are not associated with any active accounts. These unauthorized inquiries are negatively impacting my credit score and financial profile. I kindly request that you remove only those inquiries that are not attached to any active accounts on my credit report. 

Below is a list of the unauthorized inquiries that I request to be removed within four business days, as they are not associated with any active accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX understand the significance of maintaining an accurate credit history and the potential adverse effects that unauthorized inquiries can have on my creditworthiness. By removing these inquiries that are not attached to active accounts, my credit report will provide a more accurate representation of my creditworthiness and assist me in making informed financial decisions. 

I kindly request that you thoroughly investigate these unauthorized inquiries and promptly remove only those inquiries that are not attached to any active accounts on my credit report. I appreciate your attention to this matter and your cooperation in resolving this issue within the specified timeframe. 

Thank you for your assistance. I look forward to receiving written confirmation once the unauthorized inquiries that are not attached to active accounts have been successfully removed from my credit report.
Product: Debt collection

I received a summons today XX/XX/year>, but have NEVER RECEIVED ANY PRIOR COMMUNICATION FROM ANYONE. I have never received any phone calls, letters or email notifications. I only received a summons for a court date in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, I disputed seven ( 7 ) inquiries ( XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ) with TransUnion communicating that I had contacted each company directly and they could not provide me with any information regarding the above referenced inquires. TransUnion failed to investigate the inquires and delete and remove them as required.
Product: Credit reporting or other personal consumer reports

XXXX XXXX & FTC complaint attached. 

I, XXXX XXXX, do hereby state that the following information is true. 

Several creditors and items are being reported on my credit report that I have no knowledge of and believe should be removed. I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and XXXX IdentityTheft complaint # XXXX are the specific accounts and inquiries in question : Accounts to be Removed : XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$1100.00}/ Collection Account XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX OF ED/NELNET - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX OF ED/NELNET - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX Additional Requests : - I need the block on my online access removed. 

Additional Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have a debt collection for utility services I did not authorize. I have no knowledge to what led to this but the debt is not mines. I did not open this account under my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these are accounts are damaging to my credit report and I don't have the luxury to just wait around and let the problem fix itself by your agency. Under 15 USC 1681e ( b ) Accuracy of report : whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume the maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 USC Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX {$550.00} XXXX XXXX  XXXX XXXX {$660.00} Collection
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 XXXX Account Number : XXXX {$25000.00} Account Name : XXXX XXXX Account Number : XXXX {$30000.00} 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: Credit reporting or other personal consumer reports

I have tried calling to have XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed. I was recently notified that CFPB has filed a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I am requesting all of these Inquires be removed or corrected immediately as its affecting my chance of getting a house, car and more. XXXX violates my rights as a consumer, as well as federal laws.
Product: Student loan

I had a genesis lending loan, that has been charged off, it is appearing on my credit report and weighing it down a lot. I have called genesis and was redirected to another company phone number XXXX, they do n't seem to have any information on me, I called called XXXX whose name appear on my credit report and they do n't have any information on my loan. I have trying to get information, no one seems to know or have any information about me. If I CA N'T GET INFORMATION, I WANT THE REPORT REMOVED FROM MY CREDIT.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXXCCOUNT # : XXXX ). According to XXXX XXXX  an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a XXXX ( Cancellation of Debt ) for the following charged off accounts listed below ( XXXX XXXX XXXX : XXXX ) After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease reporting and delete this account. Additionally, both XXXX and XXXX have completed their investigations and both deemed the account to be inaccurate and incomplete and as a result the account was removed. In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX XXXX XXXX XXXX, please provide the names and business addresses of each individual with whom you verified above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I did not consent to these inquiries and strongly suspect they are fraudulent. I implore you to conduct a comprehensive investigation and promptly remove them from my credit report. I have furnished supporting documents for your examination
Product: Debt collection

XXXX XXXX acct XXXX updated XX/XX/2022 as collection account balance " unpaid '' Account was paid in full
Product: Credit reporting or other personal consumer reports

There's credit information on my report on a place I never lived. I need to have that straighten out, connected to cards that I don't have that have higher balances than I ever could get on a credit card ever.
Product: Credit card

I applied for a Bank of America XXXX card while purchasing airfare with XXXX. I was told that if my credit score was high enough I would be approved immediately and the benefits would apply immediately. The fact that there was a high annual fee was not noted unless you clicked on another link that I was told was there but I did not see. My credit score is around XXXX but I was not approved for the card so I did not receive the benefits. Then weeks later I was approved and given the {$75.00} fee. I complained but they refused to subtract the fee and cancel the card.
Product: Student loan

I requested and Submitted an XXXX XXXX form that was approved two weeks ago. Today I received this correspondence : Thank you for contacting Edfinancial Services. Thank you for submitting your Income-Driven Repayment ( IDR ) plan request. Please allow up to 12 business days for processing and we will notify you if anything else is needed. Once approved you will receive an email or letter with the new payment plan details. Be sure to check your inbox for this and all future important notices you may receive regarding your account at Edfinancial.studentaid.gov click on menu in the top right corner of the page, and then click on where it says " Inbox. Let us know if you have any other questions. 
Thank you, XXXX Edfinancial Services I consider this attempted Fraud. The reason that I'm reporting this to you now is because I have had these people do this to me before. It caused my life great misery..
Product: Checking or savings account

After having a substantial relationship with  TD Bank, I got a notice they have decided to close my account and gave me no reason whatsoever. I had one issue with a wire transfer which was refuse d and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Product: Credit reporting or other personal consumer reports

Items that have resulted from fraud which I never benefitted from still appears on my report, it is already deleted by both XXXX and XXXX yet you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's XXXX  me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.
Product: Mortgage

Right key mortgage almost made us lose money invested into a house, including inspection, appraisal, and FHA repairs worth over {$3000.00}. They wanted us to bring an additional {$10000.00} to closing at last minute- two weeks prior to closing. They neglected our process and then towards to end were not able to close ; forcing us to switch companies entirely. Once this happened, someone on their end called our new company and disclosed my personal information with the sellers agent in orders to affect out closing. Luckily we still got the house after a nightmare of a process. Very unhappy with their lack of professionalism and how they disclosed my personal information without my consent.
Product: Debt collection

This company is not licensed to collect in my state. In its communication to me, it did not list the permit number. Research completed indicated that this company is unlicensed to collect this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that has been without ongoing validation and verification XXXX XXXX, removed and consistently resold and purchased. Current request for validation by creditor and Equifax, XX/XX/XXXX- resulted in account updated. New letter from another creditor, responding via certifed XX/XX/XXXX  XXXX XXXX XXXX. Previously removed XX/XX/XXXX,XX/XX/XXXX/XX/XX/XXXX- due to unable to verify information, wrong addresses, and identity.

The consistent denial of validation and proof of debt a collection, including the last certified letter of validation to another creditor- XXXX XXXX XXXX.

Sent in XX/XX/XXXX - XXXX XXXX not licensed or permitted to collect. As of XX/XX/XXXX- XXXX XXXX XXXX- is attempting without validation or proof.

Request previously for account information, signature, original creditor, discharge dates have continued to change. No proof and no continuity of investigation- where their is my signature or responses to certified mail-exceeds 30 DAYS. 
The last inquire was XXXX- to Equifax via priority- detailing the illegal efforts to collect of an validated debt. Response XXXX XXXX- this account has been in question since XX/XX/XXXX. Equifax refuses to report method of validated or methods investigation. 
Yet still reporting to Equifax- I have sent certified proof of this fraud and illegal efforts to collect. Equifax denies and refuses to discuss how an invalidated debt that is not licensed in Virginia, continues to be displayed. 
I understand my Fair Debt Collection Practices Act requests and legal obligation to report correctly are being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report I noticed an Inquiry made by XXXX XXXX. I did not authorize anyone employed by this company to make an inquiry and view my report. I request that a copy of my signed authorization that gave them the right to view my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> Equifax XXXX XXXX XXXX  XXXX XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On the XX/XX/XXXX we received a letter from XXXX XXXX service about a debt that they are claiming that we owe XXXX of a debt we never took out. My husband 's father and him self have over the years when he was alive have had each other 's credit history listed under their SS #. We never had a credit card from Wells fargo back in XXXX and never paid on it over the next five years that they are claiming. We have spoke to the company on the XX/XX/XXXX and the XX/XX/XXXX and they said well your name is on it then you have to pay it. Explained to them that this is possibly my father 's in law account and he passed away back in XXXX. What do we do next????
Product: Credit reporting, credit repair services, or other personal consumer reports

Towards the end of 2018 I paid a collection from CMRE FINANCE in the amount of {$120.00}. I though that the visit to the hopital was covered under my insurance which is why it was not paid in the first place. It was my understanding that if I paid the debt it would be removed from my report as a collection. It is still on there and CMRE has been incredibly unhelpful. I have called to ask if they could please remove, I would even pay a fee. However they refuse. This one collection is GREATLY affecting my life by preventing me from purchasing a home.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 i sent {$93000.00} to XXXX via wire transfer from my bank account with BBVA. The beneficiary claims to have never received the funds and BBVA have sent multiple service messages to try and resolve this issue. They have since issued a wire recall service message however this has not been responded to. I have asked BBVA to call the beneficiary bank however they refuse to do so and i'm left with no other option at this time but to file this claim.