23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, I was enrolled as a full-time student this Spring and will be again this Summer. I will be a college student for a couple more years before I complete my degree and reenter the workforce. 

I took private loans out for a different school some years ago. Once I was done there, I entered a six month " grace period, '' after which I began regular and consistent payment of those loans. Those loans were with XXXX XXXX, who apparently sold them to FirstMark Services. 

I began my studies at XXXX XXXX in XX/XX/XXXX. Since I have been in school at XXXX XXXX, I have again been in loan deferment. Now, though, literally the day after the Spring XXXX term has officially ended, I'm receiving phone calls and emails from FirstMark insisting that I resume repayment. I first received a call of this nature on Friday, XXXX XX/XX/XXXX, and my father was able to call FirstMark and confirm this information on Monday, XXXX XX/XX/XXXX. 

Apparently because the Spring term has ended and I am not actively in classes, though still enrolled, they are at liberty to harass me until classes resume this Summer when deferment resumes. The gap between the Spring and Summer semesters lasts from XXXX XXXX to XXXX XXXX, less than a month. I asked about a grace period between terms, but was told that doesn't apply since only one grace period is allowed, apparently, and I used it when I left school the first time some years ago. And, since these loans are apparently due NOW, I risk going into some kind of default or other credit-damaging state if I do not resume repayment NOW. I am a full-time student and do not currently have funds to repay loans. 

Is this accurate? Are they really free to threaten and harass students between semesters because they're not " technically '' in school? Even if those students absolutely are still enrolled students and are just waiting on the next semester? I am now not certain that I will be able to take internship or other over-the-Summer opportunities if this is the case, if the moment I am " on break '' I begin to receive distressing calls such as this. I also do not know why I did not receive this same treatment last year when I was in school, if this is truly the case. 

Please don't hesitate to contact me if more information is required to fully answer this question.
Product: Credit reporting or other personal consumer reports

I tried to fix this problem since the frist time I sent letters from you. but until now still not fix why please remove this colections and inquiries now here 's the list. Thank you XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

To whom It May Concern, On XX/XX/2020 I was checking my account when I discovered three transactions I hadnt made. As they were pending, I called AMEX customer service immediately to stop the charges. To my surprise, I was told that I had to wait until the charges completed before I could dispute them. So here I am telling AMEX before the money left my account that I found fraud and again the answer was that I needed to let the money be taken before I could dispute. I was shocked, but did what I could in that I asked that the card be cancelled. 

The next day, the charges completed and I called AMEX and filed a fraud case. I disputed three charges in the amount of {$410.00} each made to XXXX XXXX. I let the AMEX representative know that the charges did not appear in my XXXX account as I did not make them. On XX/XX/2020 I completed and returned the fraud declaration requested by AMEX. 

On XX/XX/2020 I called AMEX to check the status of my dispute and ask if anything further was needed from me. I was told that the dispute was still under investigation On XX/XX/2020 I received an email stating that the investigation was complete and that the charges were authorized and my dispute had been declined. I was quite upset. Especially as I had informed AMEX that I didnt make the charges before the money even left my account. I called the AMEX fraud department to find out what was going on. I spoke with XXXX who was unable to provide any further details regarding thee declination of my dispute and suggested that I write AMEX a letter and send it in the mail. I spoke with XXXX supervisor XXXX XXXX employee number XXXX ) who was also unable to resolve my concern. I asked for contact information for corporate complaints and was denied. Instead, was transferred to XXXX manager, XXXX ( employee number XXXX ). XXXX was unable to provide any additional information and suggested that I contact XXXX. I again informed AMEX that the charges do not appear on my XXXX account because I did not make them. I again asked for corporate complaints XXXX told me he didnt have that information. I asked to speak to XXXX boss, XXXX ( employee number XXXX ) and he told me she wasnt there. So I asked to speak to whoever was covering for her and XXXX stated that I would not be allowed to escalate past him. I again asked for corporate complaints and again was denied the information to appeal my dispute further. 

In summary, I found charges in the amount of {$1200.00} that I did not make pending on my account and called to stop them. AMEX told me they couldnt do that and so let someone else spend my money. I disputed the charges as instructed and AMEX is telling me that I made the charges and not giving me my money back. Instead they are referring me to XXXX after I have already informed them that these charges do not appear there. This is not right. I have attempted to resolve this matter with AMEX and been dead-ended. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my home through XXXX in 2020. I had paid XXXX on time every month. XXXX contacted me saying they bought the mortgage and needed to pay them for the month of XXXX and XXXX of 2020. I had already paid XXXX this money. However, XXXX still hit my credit with a late payment. I have paid out of my savings to get current with XXXX while XXXX still has my two months of mortgage payments. XXXX said they are releasing the money to XXXX. However, XXXX still hit my credit with a late payment and my score dropped XXXX points as result. According to FBR 1024.33 the actions taken against me by XXXX are a violation of regulations.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED INQUIRIES ON MY CONSUMER CREDIT REPORT.
Product: Credit card or prepaid card

yes i have more information about sears credit card fraud investigation name people has card is XXXX XXXX and her husband put it under my name got account open under my name fraud need to be stop now
Product: Debt collection

My XXXX XXXX XXXX has been expired. Continued late charges have been requested by XXXX XXXX credit card company. The collection activity is unlawful practices. Please, correct it as soon as possible. Thank you!
Product: Checking or savings account

I was a victim of fraud on Friday XX/XX/2022. A company who I thought was XXXX XXXX had reached out to me via text message. I looked up the company and saw it had a good reputation. So I filled out the application and gave them a call. They told me that they did not give out loans to people with a credit score less than 700, so I figured it was over. But they said they could put an influx of money into my account. I told them no, but they did it anyway in the amount of {$3200.00}. They wanted me to send the cash back, which I was able to send them {$1500.00} back via XXXX XXXX XXXX. That is when I realized I was being scammed. I called USAA to report it and they were great. Until they denied my fraud claim and also cancelled the check which put my account in the negative {$3200.00}. They took my entire paycheck and left me unable to pay my rent and my bills. I was able to use the left over {$1700.00} from the scan to pay but I still had to pay another {$200.00} after that. USAA left me high and dry and with no way to survive monetarily. They have done nothing up to this point even though Ive been calling. It has gotten to the point where I have had to borrow money from family and friends and I stopped banking with them and got an account at another bank. I do not know what else to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against my student loan servicer, MOHELA, for their failure to properly manage my Public Service Loan Forgiveness ( PSLF ) payment count. This complaint specifically addresses MOHELA 's erroneous categorization of the payment period of XX/XX/XXXX, which was under administrative forbearance, as ineligible for PSLF credit, a clear violation of the regulations outlined in 34 CFR 685.205.

Despite the clear guidance on the treatment of administrative forbearance periods in the context of PSLF, and the obligations of servicers as underlined in the Consumer Financial Protection Bureau 's report, MOHELA has failed to adhere to these standards, leading to a significant misrepresentation of my eligibility and progress towards loan forgiveness ( Consumer Financial Protection Bureau, XXXX ). 

Prior to contacting your office, I initiated communication with MOHELA through a formal letter sent on XX/XX/XXXX, demanding an immediate review and rectification of my PSLF payment count. The gravity of MOHELA 's error and its potential to inflict long-term financial damage necessitates the intervention of the Consumer Financial Protection Bureau XXXX 

Enclosed, please find copies of all pertinent documents, including my initial letter to MOHELA, any responses they have provided, and detailed records of my payment history and the administrative forbearance for XX/XX/XXXX. 


I am confident in the Consumer Financial Protection Bureau 's commitment to ensuring fair treatment of borrowers and anticipate your prompt action in addressing this complaint. Thank you for your attention to this urgent matter.
Product: Credit card

CFPB Complaint Number : XXXX Bank of America failed to remove the incorrect info from XXXX. 
They did delete the info from XXXX 
BOA inaction has halted a transaction with XXXX XXXX XXXX, XXXX, WI. 
BOA rep promised a letter from XXXX by XXXX XXXX, 2016, to clear account. 
No letter has arrived. 
Desired resolution : BOA will promptly clear incorrect Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a closed charged-off account as an open account with late payment history from XXXX XXXX. This account is inaccurately being reported and per FCRA, must be deleted from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} ; XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There was a collection on my account from XXXX XXXX XXXX for an account with XXXX at the XXXX apartment. This collection did not show up on my account until I submitted a request for a home loan through XXXX XXXX. This collections account was recently taken off my profile for it not being me. I spoke with the apartment complex and the collections agency who both confirmed that the SSN, DL ID or complete name ( including middle name ), did not match me. I received a release letter from the collections agency that I sent to both XXXX and Equifax who showed this collections against my credit profile. 

However, because I was in the process of buying house, this has caused my credit to go from XXXX to in the 640s. After the credit was fixed, the loan rates had gone up and now I will be paying a higher interest rate. This collections account should have never been on my account and neither Equifax nor XXXX can tell me why this was on my credit profile. This is gross negligence and I plan on pursuing legal action.
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 privacy and confidentiality under the Fair Credit Reporting Act. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 
List of 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
Product: Debt collection

I have a collection on my XXXX credit report for the amount of {$2100.00}. I do not know what this debt is for, and the collection agency refuse to validate this debt. I have sent multiple requests asking them to properly validate this debt. I am unsure if this is my debt or not. This company refuse to cooperate with me. It is my right to request proper validation and this company has violated it by ignoring my requests. This company is hurting my chances of obtaining the credit that I deserve. It has been over 4 months since I sent my first letter to validate this debt. I should not have to suffer because a collection agency refuse to validate a debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/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 ) to be in error : 1. The following personal information is incorrect Account Number : Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have respectfully requested for Experian, XXXX and XXXX to remove bankruptcy on my credit report. 

It appears that Experian has removed Bankruptcy from my credit Report. Experian has not sent me a verification of bankruptcy removal.
Product: Credit card or prepaid card

Company : Synchrony Bank Credit Card : BP Visa Description : Moved from XXXX   to XXXX. Disconnected land line in XXXX. Set up land line in XXXX through XXXX XXXX XXXX cable, phone, internet ). Cell phone through XXXX XXXX. Synchrony Bank uses cell phone to call regarding late payment. Refuses to use same phone number for identity verification. Claims that their outside agency does not verify that number as part of their system therefore they can not use that number to call me with an identification code. Asked them to call land line but had the same issue. Stated that they could send me a link to the number that they were calling me on to demand payment and I could take a video of myself with my identification card and send that back to them. Told them that I had never taken a video of myself in my life so that their system might work for some but was not working for me. Was told that they could send me a letter which would arrive in a week and them I could call them back and they would update my telephone information if I could tell them what was in the letter. 

Issue : Synchrony Bank has instituted a system that discriminates against senior citizens. I have a cell phone but it is not good enough for them because as a company that targets seniors, XXXX XXXX is not worthy of being in their verification system. If they are supplied with a cell phone number by the customer that they use for collection, they also need to use that phone for identification verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Closed : XX/XX/2015 - {$1500.00} Closed This is not my account. Account was opened fraudulently. PLEASE REMOVE FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Dispute of late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose. In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports. In accordance with the written instructions of the consumer to whom it relates Please remove
Product: Mortgage

WE began a loan refinance with cash back. Loan Depot was the lender we were working with. They promised the loan would close the first part of XXXX. I had troubles with them with communication and the whole process. They were not quick to respond nor did they get information to me in a timely manner. WE finally closed the loan on XX/XX/2019. Today is XX/XX/2019 and they have yet to release funds to pay the current mortgage nor some of the credit accounts that were being paid off. I requested that a manager contact me on XX/XX/2019 and I still have no contact from them. Everyday they delaying in paying it is costing me more money. What can be done?
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute regarding XXXX XXXX account on my report, the dispute is for a 30 day late that is incorrect. I've submitted XXXX disputes and each time the 30 day late is moved to a different month when I have not made any late payments on the account. Information is not being verified and it is just being updated to reflect incorrectly each time. No proof was sent regarding the verification, so I'm curious of how the updates are being verified
Product: Credit card or prepaid card

Best buy charged my credit card XXXX after I paid off the card. They charged me for a subscription I didn't authorize them for they are scamming me for XXXX.