23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Higher Education Loan Authority of the State of Missouri ( MOHELA ) placed me in an involuntary administrative forbearance due to their delays in processing my timely filed Income-Driven Repayment ( IDR ) annual recertification, delaying my 120th qualifying payment under Public Service Loan Forgiveness ( PSLF ). Their website clearly states that all months spent in an administrative forbearance will count towards PSLF, yet they have not updated my qualifying payment count and all customer service representatives insist that the payment does not count, in contradiction to their website. They have me scheduled to resume making payments on XX/XX/XXXX, after the start of the pause under which PSLF processing will move from MOHELA to Fedloans, I will have to continue paying Mohela my monthly payment even though I will have made more than 120 payments. Mohela asserts that the Department of Education will reimburse me for any payments made over 120, but it sounds like Mohela gets to keep the money I will pay them during those months, and the reimbursement comes from the Department of Education. That sounds fraudulent to me and I believe they are doing it on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX ...... Date Opened XX/XX/XXXX Balance {$2100.00}
Product: Checking or savings account

Paid for a cruise at XXXX XXXX with my Wells Fargo account two days prior to set sailing the cruise canceled my reservation mind you I had boarding passes and the balance was paid in full, I called XXXX and they told me there was nothing I can due contact my financial institution and they said they wasnt giving me my money back which was over XXXX $ I contacted Wells Fargo the put in a claim against them and gave me a credit to my account just to reverse the credit and say I didnt win that case because I authorized that payment with XXXX and not my account s negative
Product: Mortgage

My husband passed away XX/XX/2019 I was on the deed but not on the mortgage. I was in the process of a short sale with XXXX XXXX and the Mortgage Company let it go into Foreclosure the final step. After having a buyer and accepted bids. I tried calling XXXX XXXX for help but they are refusing to speak with me because I am not on the loan. That had already been taken care of with a death certificate and a copy of the deed with the mortgage company and the court. I started out with XXXX they were brutal to me and finally the went into bankruptcy and it was transferred to Shellpointe. Shellpointe will not answer my calls or return them and I am trying to get a 1 year record of all the communication we had so I can figure out why they dropped the ball with the short sale for no reason. A lot of time and effort went into it. I don't see how they can just foreclose when there was a buyer with an awesome bid almost at closing. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX I am the one that reported to all my husband passed away and XXXX took it straight into foreclosure without talking to me. Shellpointe went to court with me. The judge told them if there was a remodification or shortsale to stop the foreclosure well they didn't and nobody will talk to me but the new company trying to get me out of the house. I won't get a dime out of the house but I think things should be treated fairly and honestly. I am wondering if the XXXX XXXX loan was even legal from the beginning with XXXX it was before the market fell. I need to find out why I can't get anyone to talk to me after all this. XXXX has been working with me and so has their attorney now they won't return my calls either or take them.
Product: Credit card or prepaid card

On XX/XX/2022, I received email and phone calls from Ally Bank that they suspected my debit XXXX had been fraudulentlycharged. The five charges were : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX {$26.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX {$26.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX {$85.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX {$85.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX {$220.00} All were shown as Pending. 

I called Ally Bank on XX/XX/2022 and told them " do not pay - the debitcharges are fraudulent ''. They cancelled that debit card and sent me a new one. 

About two weeks later I reviewed my checking account and found that the fraudulent charges had been paid. I called Ally Bank and complained. I answered their questions and they said that I would receive a letter in ten days. I still have not received a letter nor has the {$440.00} been returned to my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX card continues to furnish illegal inaccurate late payments on my Credit Report. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX are inviolation of FCRA of late payments being invalid on open end credit accounts I have also included screenshots of my payments made XX/XX/XXXX & XX/XX/XXXX. 
My backpack and cards were stolen on XX/XX/XXXX which prevented contact for work and my deposits. Account was closed and switched.
Product: Credit reporting or other personal consumer reports

There was a credit inquiry/hard pull with capital one auto finance. XX/XX/year> I never inquired with that company.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX experience and XXXX and ask did the companies send you letters within XXXX days of the validity of these accounts all companies responded no, they did not remove the accounts for my credit report XXXX accounts help me with late payments account had me charge off
Product: Vehicle loan or lease

I purchased my XXXX XXXX on XX/XX/XXXX. My car was paid off to Kia Finance on XX/XX/2021. The dealership, XXXXXXXX XXXX XXXXXXXX sent the money for the warranty back to Kia Finance on XX/XX/XXXX per the dealership. It is now XX/XX/XXXX and I have yet to receive my refund check from Kia Finance. This is ridiculous.
Product: Debt collection

I noticed 2 collection accounts on my credit report by State Collections for {$200.00} and another one for about {$1200.00}. When I noticed one of them, and before the other one appeared, I attempted to resolve the  matter by setting up a payment arrangement. I provided my banking information to this agency but there were no debits from my account I did everything I could possibly do to prevent the listing from hitting my credit report but this agency failed to start the payment arrangement prior to listing. I want these debts off of my credit report because I made every attempt to pay prior to listing.
Product: Credit reporting or other personal consumer reports

XX/XX/year> fille out identity report supervisor of Equifax stated once I sent them the identity report the XXXX XXXX account would be removed from my credit report. 
It has been 12 days, and the XXXX XXXX account is still remaining on my credit report. 

This account makes XXXX sense and is totally illogical and Equifax continues to leave it on my credit report. Reporting information from over XXXX XXXX XXXX In addition, when I call Equifax, I am left on hold, and no representative comes back to the phone and then hangs up. This has happened to me numerous amounts of times. 

I wish for the CFPB to take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 items : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$70.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c- 2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). These accounts were fraudulently opened in my name as a result of the breach. 
Please see the affected accounts below : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX Account Number : XXXX, Opened : XXXX, Balance : {$13000.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Opened : XXXX Balance : {$4000.00} XXXX XXXX XXXX Account Number : XXXX, Opened : XXXX, Balance : {$0.00}
Product: Mortgage

A speed fast mortgage payment was made on XXXX XXXX, 2016 at XXXX XXXX. by phone, confirmation number XXXX, but the payment was not posted until XXXX XXXX, 2016 because the cut off time was XXXX XXXX. Since there was a 49 minute difference I requested by fax and I mailed a letter to Ocwen to adjust the payment postdate to the correct date of XXXX XXXX, 2016 and remove the delinquency from my credit report, but Ocwen is denying my request. I talked to XXXX agents at Ocwen who both confirmed the payments are shown to be made on XXXX XXXX, 2016. The first agent was XXXX agent number XXXX and the second was XXXX XXXX agent number XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX credit card account was never late yet. It is being reported on my credit report for XXXX and Experian. When I brought up this fact to them, they denied my request to update. My credit file yet provided no evidence that my payment was late.
Product: Student loan

XXXX XXXX, XXXX To : Consumer Protection Agency From : XXXX XXXX XXXX XXXX : Navient formerly known as XXXX XXXX Account Number : XXXX My son, XXXX XXXX died on XXXX XXXX, XXXX. I was co-signer on his loans ( see attached - dated XXXX/XXXX/XXXX ). I sent the company paper work in which they had made a statement regarding the conditions under which the loans would be forgiven, XXXX of which was death ( see attached file-Navientfinal ). 
The company is now refusing to forgive the loans. 
In addition to dealing with the grief associated with the tragic death of my son, I have been repeatedly harassed by this company. Several weeks after my son died I sent them the death certificate and requested forgiveness of the loans. Instead of honoring their agreement they began to call me up to 13 times within 3 to 4 days and pressured me into making a payment. 
When I found the original letter ( see attached ) they sent to me regarding forgiving the loans they refused to do so. 
I would like relief in the form of having these loans forgiven, my account cleared, and to be left alone by this company. 
Thank you XXXX XXXX XXXX
Product: Debt collection

I have disputed this credit card account on my credit report about two or three times this year XXXX in my XXXX XXXX application. It's unclear if I was the one that opened this card ( and the timeframe of the beginning of this account ) because I just recently applied for a XXXX XXXX card about a year ago. I got a divorce in XXXX and before our divorce I filed personal bankruptcy ( XX/XX/XXXX ) so our marriage debt ( under my name ) was transferred to my ex husband, and when we divorced it was agreed that he would assume all of that debt. This was signed by the judge. When I called the collection agency on XX/XX/XXXX, I requested proof of when this card was applied for, when the contract was signed, and proof of my signature on this contract so that I can verify dates and my signature. They only had statements in the year of XXXX, which does not verify that this card was not opened in the year of XXXX ( during our divorce that had the temporary order of restriction on assets/property ) or even in the year XXXX. They did not have any contract, or anything that I signed stating that this was opened by me or if it could have been opened by my ex spouse, or really any proof of time that this account actually started at that time. My ex husband and I lived in the same town up until XXXX, we went to the same stores, so any purchases on this card does not place this under my name. I requested information and they should be sending me the information of the actual account ownership and not a transaction statement. Also, my ex spouse and I still have the same last names, we had access to private and personal information ( such as SSN and addresses ) in all our court documents so opening a credit card under your ex can be done with that information. Additionally, when I dug more into my credit report, I found my ex-husband 's address during our divorce listed on one of the bureau 's report. I have never resided in that dwelling, nor have I ever had mail sent to that address.
Product: Debt or credit management

Account opened on XX/XX/XXXX and I also had a dental insurance amount of XXXX with XXXX XXXX XXXX, that XXXX XXXX claimed to have used up, so they suggested this account which I never used. The only services they did was xrays and a cleaning, which shouldn't have used it all. I later had a tooth extracted and I had to go to two offices to get done ( same day ). I never signed a contract with midland credit. Mcm and XXXX dental are scam XXXX working together.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX and Experian are not updating this balance correctly on my credit card. I would like for this cc to be updated with a XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance Owed : {$10000.00} - Account is reporting inconsistent and inaccurate Open Date are showing different dates at each bureau. 

XXXX XXXX  XXXX Balance Owed : {$550.00} - The Open Date on the account has been changed. It is a Violation to Re-aged the open, Please Deleted Immediately. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account is showing several violations. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of last activity. These are all violation please remove.
Product: Credit card or prepaid card

I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAP ONE AUTO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

XX/XX/XXXX To Whom It May Concern/ CFPB, I went to a local Chase bank where I had an account. I requested a money order either during XXXX or XXXX. The Chase bank branch manager assisted me with this. He then used cross sale tactics to get me to sign up for the Chase Freedom card.

He said if I link it to my checking account and I didn't have enough funds to finish a transaction, the charge would just go to my credit card. So, I agreed and went home. I never opted in or agreed to enroll in any overdraft program. I feel the tactics used by the branch manager was deceptive and an abusive practice. I relied on his oral disclosures and relied on him to act in my best interest but that was not the case as I was deceived.

I was never told about a {$10.00} fee for overdrafts linked to my credit card and I was certainly never told about being accessed {$34.00} overdraft fees for all other overdraft fees associated with my checking account. I have completed a review of my account and Chase has charged me thousands and thousands of dollars. 

Above, I am requesting to get my money back since we never opted in for these fees. 

I am requesting a formal review of my account along with a copy of the signed overdraft disclosures showing I agreed to opt in and a refund of all overdraft charges. I hope to receive a satisfactory response. 

I was advised to file a formal complaint with federal regulators, but have not gone that route yet. Please assist me with the review at your earliest convenience and feel free to contact me if you have any questions or concerns. All of your assistance is greatly appreciated. 

Contact Information/ Address : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX ) XXXX personal cell Regards, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite FOUR written requests, Experian has NOT corrected the INACCURATE REPORTING and the UNVERIFIED ACCOUNT on my credit report. They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that the information belongs to me and is correct. 
I requested that the following accounts below be verified or deleted immediately if it can not be verified. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under Section 611 ( 5 ) ( A ) of the FCRA THEY are required to promptly DELETE all information which can not be verified. 
Account Number : XXXX : Account Number XXXX I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts listed above. In the results of Experian investigations, they stated in writing that they verified that these items are being reported correctly? They HAVE not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Product: Credit reporting or other personal consumer reports

All items listed must be shown and verified according to 15 US Code 1692g. XXXX XXXX XXXX must include all items listed to legally validate or verify the debt with me. If any XXXX item is absent from the assignment of debt. Based on the full assignment of debt which XXXX XXXX provides to ALL its XXXX XXXX XXXX holders. I demand that TRANSUNION cease reporting any debt by XXXX XXXX XXXX on my consumer report immediately.
Product: Vehicle loan or lease

My account was closed until XXXX XXXX they charged it off and then now reopened it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX, Reference # 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX XXXX NUMBER : XXXX is reporting a balance of {$8700.00} when it is my understanding an reason to believe that because this DEBT WAS CHARGE OFF by you that is was memorialized with a Form XXXX as proof or evidence thereof. And that because of that fact. this debt is cancelled and at least should not reflect the balance that is currently showing of {$8700.00} This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my SSN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. 
If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf if myself by retained counsel. 

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. 

Please forward any correspondence or changes to my credit report to the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX