23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for Public Service Loan Forgiveness XX/XX/XXXX. I was originally with XXXX at the time and had my loans transferred to Mohela in XXXXXXXX XXXX XXXXXXXX. I graduated from the XXXX XXXX XXXX in XX/XX/XXXX, started working in XX/XX/XXXX and have well over the 10 years ( XXXX ) of qualifying payments. One out of three loans were forgiven for PSLF/ TEPSLF. The loan forgiven had the smallest remaining balance ( well under {$1000.00} ) and dispersed on XX/XX/XXXXXXXX The two remaining loans total over {$89000.00} and were dispersed XX/XX/XXXX. There are missing loan payments in one system from XXXX that have not been applied to the remaining two loans. I have employment verification for this time period and was not in any type of forbearance. These missing loan payments were counted for the small loan that was forgiven, so I'm not sure why it wouldn't have been counted for the other two loans. I have called Mohela and the Federal Student Aid Ombudsman multiple times to get the missing loan payments recounted since I am over the 120 qualifying payments. I placed the initial call to Mohela regarding the discrepancy and missing payments on XX/XX/XXXX and was given a tracking number by a supervisor XXXXXXXX XXXX XXXX ( tracking number XXXX ) who stated she could see the missing counts in her system and that she's not sure why the counts were not applied to all of the loans. She stated it would be 30 business days for resolution and she submitted for recount. I did not get any updated count information in 30 days, and called the ombudsman who stated I needed to call Mohela for it to be addressed. I called Mohela a second time XX/XX/XXXX and discussed it with another supervisor who stated she could see those missing payments were made and that the case had been assigned to someone for the recount, and to give it another 30 days. On XX/XX/XXXX I called and discussed it again with Mohela, and was told to give it more time. I tried the Mohela chat function on XX/XX/XXXX and she stated I had to call to get it escalated. I called Mohela XX/XX/XXXX and spoke to yet another person who spoke to supervisor XXXX -- was told it would be another 1-2 weeks and that the information has been submitted to the Federal Student Aide office for over-ride. This process has been ongoing for over a year since I initially applied for PSLF/TEPSLF forgiveness. I checked the box stating I was at the 120 payments which should have given my loans priority. Even though my loans were transferred to Mohela, it has been 8 months and counting without resolution. Since the initial complaint to Mohela regarding the missing payments, it has been just shy of three months. ARE YOU EVEN KIDDING ME? I find it very frustrating that people who applied WELL AFTER I did are having their loans forgiven in a few months. And yet, here I sit wasting hours of my time calling Mohela without any resolution in the foreseeable future. I was told to call back in a few weeks, yet again, which will be another hour of my wasted time.
Product: Credit reporting, credit repair services, or other personal consumer reports

many inaccurate accounts such as ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are reporting under my equifax credit reports, i have been disputing these many fraud and inaccurate accounts for the longest times, but equifax has not been helpful at all, they either do not dispute it or they provide a false confirmation numbers, please as consumer i need your help in order to have these accounts removed from my equifax credit reports thank you
Product: Credit reporting, credit repair services, 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 privace and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2. 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.

15U.S. 1681S-2 ( A ) ) 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, GA XXXX XXXX XXXXXX/XX/XXXXXXXX Balance : {$0.00}
Product: Debt collection

On or about XXXX of 2015, ALLIEDINTERSTATE contacted me about certain XXXX XXXX credit card debt account # XXXX. I personally notified ALLIEDINTERSTATE, that I dispute the validity of this debt and requested that they validate the debt under FDCA ,15 USC 1692, to which they failed to do so. 
However, in violation of the FDCA, ALLIEDINTERSTATE, unlawfully continued attempt to collect on an illegal debt in clear violation of my FCRA and Privacy Rights, causing and preventing me from obtaining new credit, secure adequate housing and or a meaningful employment. 
Furthermore, I advised ALLIEDINTERSTATE, that this debt was a direct result of ID THEFT and as such that I am not liable for this debt. I also requested that ALLIEDINTERSTATE provide me copies of said unpaid invoices and name and address of the original creditor to which they failed to do so. 
Upon belief and Information, whereas, the debt was as a direct result of FRAU and ID THEFT, I requested that this account be permanently closed and any adverse information that resulted from this unauthorized use be deleted from my credit report. 
Nonetheless, ALLIEDINTERSTATE purposefully with ulterior motive disregarded the RULE OF LAW and my request causing and depriving me access to housing ; meaningful employment and/or to obtain new credit without just cause or any legitimate reason.
Product: Credit reporting, credit repair services, 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 Honesty And Confidentiality Under 15 USC 1681. 

XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX 15 USC 1681 Section 602 ( a ) I have the right to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ) Consumer reporting agency can not furnish account information without consumers written consent.
Product: Student loan

I was contacted by Premier Student Loan Center around XXXX of XXXX. I have some of the emails from them saved. They told me I could enter a program to reduce my debt and monthly payment. Naturally I thought this was great. The charged me {$600.00} plus {$40.00} a month from XX/XX/XXXX to XX/XX/XXXX. After Premier it went to someone named XXXX XXXX at XXXX XXXX  XXXX. Then from them to XXXX in XX/XX/XXXX. I seen on the news about some student loan companies being sued and noticed they ( XXXX or XXXX XXXX XXXX ) stopped withdrawing money from my account in XX/XX/XXXX. On my bank account their name shows as XXXX XXXX XXXX   XXXX CA. I called XXXX and they said I was scammed by this other company. I dont know what to do now other than file a complaint. I can show you bank statements if needed as well. I have a few more emails I tried to attach here but it wouldn't let me for some reason. Please let me know if you want me to send them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX / 30 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the XXXX.
Product: Vehicle loan or lease

2018. I was a co signer on the car.i did not know this would come back on me.i called after he left my home with the car I called credit acceptance to explain but they had attitude. I asked to locate the and bring it to me I'll will pay XXXX a month.they said no I need to start paying now.this is not my fault seems he is putting this on me.i have been paying on my credit trying to fix it.i never had the car nor drove it.please help me remove.i am now trying to get a car but I can't because of this is hurting my score this is an ex I learned my lesson but he can't do this.i can't work intile I get a car.im a single mother and I'm starting to believe he never cared what damage this has done.please I'm doing everything I can but that alot.i have been trying to fight this on my own I know longer can I need help again this is not my fault I can not believe this is on me and not him.please please no I will not give up cause if u look I'm determined to get a car so I can work I have kids and we don't do anything because of this.please I don't deserve this at all that's alot of money..never will I do it again nor have a co signer for my self ever.ill take my chances on my credit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been on at least eight jobs interviews that continues to background check me and lie to me about why they not hiring me and one is XXXX through this background check company called sterling talent solutions who Ive disputed the proper way in correcting what they thought might been or seen as a new XXXX and I have not committed a XXXX since XX/XX/2010 and I explain this to everyone and explain their dates and errors of judgment showing XXXX violations which is not a XXXX and shows 90 days XXXX XXXX a XXXX is over a year and they didnt hire me nor contact me back acts of discrimination against me cause Im on XXXX XXXX from a XXXX XXXX I was XXXX years old.this is blocking me from work anywhere they wont say it but thats what they see cause Im a civil rights activist and I know if you didnt commit a felony in the last 3 to 7 years you should be hired well Im not XXXX twice XXXX XXXX XXXX XXXX XXXX all these companies and I know XXXX has over 50,000 thousand workers with XXXX to judge me with fair chance or any equal opportunities.thank you please help me address this issue and fight back against it.
Product: Credit card or prepaid card

I called cash app card about them closing my XXXX  child account through my cash card account for no good reason other then they didn't like that I put a complaint against a company that I paid money too and did not receive products clothing I kept contacting cash app but they say they would always help but didn't do anything to investigate they are out of country customer service they are not based in the United States so they don't care to help us recover money from fraudulent online scamers that you send money through cash app and don't receive products so I ended up helping get my refund back without the help of cash app they didn't like that so they closed my account because I put a complaint to your consumer complaint and recently they closed my account because of my XXXX  child account closing so I contacting them with no help in why my account was closed these big cash app account cards have too much rights to close our account for no reason I asked them to give me reason no response same information like before that I violated their app I asked them again what and show me on my activities that so called violations they are upset that I put a complaint on your website
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : On  XXXX   XXXX  2017 a company by the name of Experian Business Credit on behalf of   XXXX   XXXX   XXXX   made a hard inquiry on my credit without my authorization or even knowing who they are. Their address is :   XXXX   XXXX   XXXX   *   XXXX   XXXX  , CA   XXXX   These type of hard inquiries of course lower a credit score and it is especially irritating when I do not have any idea who they are and I never authorized this inquiry.
I want this inquiry removed at once - please advise - Thanks!
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX Court U.S. Bankruptcy Court XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX Court US BKPT CT XXXX XXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Again today ; XX/XX/2019 I tried to sign in my Wells Fargo online account information. It did not recognize me again. I just was re-instated on XXXX XXXX as Wells Fargo sent me a notice there was suspicious activity on my Card in XXXX. I tried to call when I received the Letter via USPS explaining this and my card was placed on hold .. I called and left a message. At that time as the signer wasn't there. He returned my call and refused to talk with me as I could not provide my Verbal password I reset in XX/XX/2019. It had been blocked as it was invalid since XX/XX/2019. It seems when I make an XXXX Purchase. XXXX  XXXX and / or XXXX submits two seperate charges. One for the Purchase for the Product. One for TAXES. Wells Fargo sees this as a breach. I've been breached at Wells Fargo 7 times IIRC.
Product: Checking or savings account

Capital one bank has added new fraud. They have been stealing money from my bank account in the name of XXXX. Apparently they habitually charge and deduct money from accounts in any name at all and NEVER pay them XXXX and others can attest to records show that show that.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account.
Product: Bank account or service

To Chairman and CEO XXXX XXXX XXXX : I called your customer service number at approximately XXXX, on XX/XX/2016. The hold time was very extensive. Subsequently, a representative who provided the name of XXXX answered, and then verified by password and other information. I seldom dial your Customer Service Department ; however, upon reviewing my online account, I noticed that a NSF charge dated XX/XX/2016 was assessed to my account. I asked XXXX when the returned item was presented to Compass Bank for payment. XXXX told me to hold for a brief moment, and before I could respond, he had placed me hold. After holding several minutes, XXXX hung up. I want the call reviewed. And I want XXXX discipline. 
Basic customer service training should require that Compass ' telephone representatives ask to place a customer on hold, and then wait for a response. Further, under no circumstances should a representative hang up on a customer, particularly since he knew the office would be closing soon. Presumably this is why I was placed on hold and disconnected. Further, the question that I asked, should not have required that XXXX place me on hold at all, considering on the previous day, I asked the same question inside a Compass branch, and the teller check the records in a matter of seconds. 
Regarding the issue of why I called. I visited your branch location at XXXX XXXX XXXX, XXXX, TX XXXX on XX/XX/2016 and made a {$200.00} cash deposit. My receipt is time stamped XXXX. I asked the teller to advise if there were any pending items or NSF items. He checked and advised separately that there were no pending items, nor recently returned items. 
I submitted an electronic check late XX/XX/2016 for {$1200.00}. On the morning of XX/XX/2016, when I realized other items had cleared overnight, I made a deposit to cover the outstanding check of {$1200.00}. Yet, there is a NSF Fee assessed on XX/XX/2016. I want documented proof of when the electric check in the amount of {$1200.00} was presented to Compass Bank for payment. Considering how long I have had an account, with direct deposit, with this company, the {$1100.00} balance, prior to the {$200.00} cash deposit, should have been sufficient to pay an item in the amount of {$1200.00}, without me having overdraft protection. I know that you could have assessed the fee and still paid the item. I recognize that Customer Service may not be your company 's focus. Perfectly, acceptable, as I can remove my direct deposit from your bank. However, I do want a document reflecting when my check was presented to Compass for payment.
Product: Checking or savings account

On tuesday XX/XX/XXXX my landlord XXXX XXXX apartments had two washers and two dryers from XXXX XXXX XXXXXXXX XXXX XXXX , XXXX, PA XXXX XXXX, installed in building number XXXX XXXX XXXX XXXX  PA. They put up a sign that said we had to use a credit or debit card and our banks would hold {$7.00} for XXXX hours than return the {$7.00} and charge the regular fee of {$1.00} per wash and per dry. I used the washer and dryer on Wednesday in which {$21.00} was taken from my bank account. I called my bank ( citizen bank ) and spoke to a customer service man named XXXX He said my money would be refunded on Thursday and I would be charged {$1.00} from each three {$7.00} that was taken from my bank account. XXXX XXXX I went ahead to wash my sick mother ; s clothes today thursday XX/XX/XXXX and was charged {$28.00} leaving a grand total of {$49.00}. I called the XXXX vendor and emailed them and they said it was the bank 's fault and XXXX the manager from Citizens bank said it was the vendor fault. I also called and emailed my landlord to no avail. I want my money back and be charged only the {$1.00} for each of the wash and dried clothes I was told I would be charged. Citizen Bank does not want to take responsibility for this. I need help. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of a charge-off on my credit report from Wells Fargo , under my rights according to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). This letter formally requests an investigation into the charge-off recorded on my credit report and its subsequent removal, as I believe it to be inaccurately reported for the reasons outlined below.

I would like to point out that I have never received a 1099-C form from Wells Fargo , which is a crucial document indicating the cancellation of debt. The absence of this form brings the accuracy of the reported charge-off into question, as it suggests that the alleged debt may not have been officially canceled or deemed uncollectible by Wells Fargo . 

Details of the Disputed Charge-Off : - Creditor : Wells Fargo XXXX Account Number : XXXX - Date of Charge-Off : XX/XX/year> Given the circumstances, I am requesting : 1. A thorough investigation into this matter by your agency.

2. There should be no charges for this notification.