23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Dear Sir/Madam, I am writing to formally file a complaint regarding ongoing issues with the Missouri Higher Education Loan Authority ( MOHELA ) and their failure to accurately update my Public Service Loan Forgiveness ( PSLF ) qualifying payments, which is negatively impacting the progress of my loan discharge under the PSLF program. I have been at XXXX qualifying payments since XXXX of this year and employer verification has been completed several times this year. 

Over the last year, I have reported this issue multiple times, but there has been little to no resolution despite repeated attempts to address the problem. As a borrower committed to public service, I have been following all necessary steps to ensure my loan payments are counted toward PSLF eligibility. However, MOHELA 's failure to correctly track and update these payments has caused significant confusion and uncertainty about my eligibility for loan forgiveness. 

The specific concerns I have with MOHELAs handling of my account include : Inaccurate Reporting of Qualifying Payments : MOHELA has not consistently updated the status of my qualifying payments, despite my efforts to ensure that my payments are made on time and in accordance with PSLF requirements. 

Lack of Response and Resolution : I have made multiple attempts to contact MOHELA 's customer service and seek clarification regarding the status of my PSLF payments, but the responses I have received have been inadequate, and the issue persists without meaningful resolution. 

Impact on PSLF Loan Forgiveness Discharge : Due to MOHELAs failure to accurately report qualifying payments, my loan discharge timeline has been delayed, and I am concerned that this could ultimately affect my eligibility for PSLF. This is especially troubling considering my reliance on the PSLF program to resolve my federal student loan debt. 

I request that the Consumer Financial Protection Bureau investigate this matter and provide assistance in ensuring that MOHELA complies with the PSLF guidelines and accurately updates my payment history. I would also appreciate guidance on how to escalate this issue if MOHELA continues to fail in properly tracking my payments. 

Attached are copies of my correspondence with MOHELA, including the responses I have received, as well as my loan account information to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue and ensuring that my rights under the PSLF program are upheld. 

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

I was a victim of Identity Theft, There are Fraudulent Hard Inquiries on my Transunion Credit Report that don't belong to me, please have them removed! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024
Product: Debt collection

After review of my XXXX XXXX XXXX report I found there was a derogatory account that is the result of identity. I contacted both US BANK and XXXX XXXX XXXX via certified mail and issued them Cease and Desist orders for identity theft and furnishing derogatory information on my good name, both companies used no proper procedures to ensure that all the information was 100 % accurate. In fact, I requested a copy of the original documents and that request has been ignored and disregarded. This has brought great distressed on my family.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit card or prepaid card

My identity was stolen. I was alerted by 2 credit monitoring places of hard inquiries on my credit report. I found 3 fraudulent credit card applications. I have reported my identity theft to FTC and am following the recovery plan FTC has given me. XXXX XXXX XXXX and Capital One are both refusing to give me any written confirmation that they are doing anything. They flat out refuse to send me anything in writing. Both companies will only verbally say they will do their own investigation and if they decide it was fraud they will cancel the application and their investigation will take 60 to 90 days and then they will still not supply any written confirmation of anything
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) rules and regulations, I request that TransUnion promptly investigate and remove any inaccurate accounts from my credit report. 

Transunion has failed to properly investigate the following accounts on my credit report which violates the CFPB : Account Name : XXXX XXXX  Account BALANCE : $ {$810.00} Account # XXXX 2.Account Name : XXXX XXXX XXXX XXXX Account BALANCE : {$520.00} Account # XXXX 3.Account Name : XXXX XXXX XXXX Account BALANCE : {$890.00} Account # XXXX 4.Account Name : XXXX Account BALANCE : {$1300.00} Account # XXXX
Product: Debt collection

Many calls ranging from 5-6 per day, often before XXXX and after XXXX. I requested all contact to be conducted on writing and they still contact all day, every day although they have provided no proof of debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XXXX SSN : XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan with ( XXXX XXXX XXXX XXXX XXXX for the amount of {$20000.00} ( XXXX ) XXXX XXXX XXXX for the amount of {$580.00} ( XXXX XXXX XXXX  XXXX for the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$110.00} ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX for the amount of {$720.00} ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX for XXXX amount of {$720.00} ( XXXX XXXX XXXX for the amount XXXX $ XXXX accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report.I have listed these fraudulent accounts that are on the report that is being maintained by you.I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number # XXXX # from FTC as proof from US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this report to address multiple fraudulent accounts and related activity appearing on my consumer FICO Experian credit report, which I do not recognize and which are the result of identity theft and fraud. The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that all of these fraudulent items be removed from my consumer credit reports and that all related collection activity cease immediately, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), and ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : An account opened at XXXX XXXX  on XX/XX/XXXX, A credit card account opened with XXXX XXXX  opened in XXXX of XXXX, An account opened with XXXX XXXX XXXX XXXX in XXXX of XXXX And an account under XXXX XXXX XXXX  opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern, I'm reaching out because Experian is helping XXXX XXXX put incorrect information on my credit report related to the account below : Account Name : XXXX XXXX Account # XXXX Charge-off : XX/XX/XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate!

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect.

According to 15 USC 1681 s-2, Account Name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency.

Please delete this incorrect information from my report immediately. Thank you,
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this dispute to formally report an issue of incorrect information being reported on my credit file by Experian. Specifically, the credit report includes an incorrect address, XXXX XXXX XXXX XXXX XXXX CO XXXX, which I have never resided at or used in any capacity.

This erroneous reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 ( Accuracy of Information ), which mandates that consumer reporting agencies ( CRAs ) must maintain accurate and complete information. Under 1681i, CRAs are obligated to conduct a reasonable investigation of disputed information and correct or delete any inaccuracies found within 30 days.

Moreover, I believe this may constitute a failure to meet the requirements of 15 U.S. Code 1681e ( Compliance Procedures ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report.

I request that the CFPB investigate this matter and ensure Experian corrects this violation promptly by removing the incorrect address from my credit file. I have included the following supporting documents : A copy of my drivers license for identification.

A recent utility bill to validate my current address.

A copy of my Experian report with the incorrect address highlighted.

Please confirm receipt of this dispute and notify me of the outcome once the investigation has been completed.

Thank you for your attention and assistance in resolving this matter. 

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

On XX/XX/2021 I sent out a letter regarding in accurate and unknown things on my credit report to this day over 38 days later and I havent got a response yet which is ridiculous. I felt in my heart the last few days that Im now being taken advantage of and being ignored of my disputes. Section 611 ( a ), its clearly stating that a failure to investigate these items within 30 days gives a reason to immediate remove those items from my credit report it has been over 38 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you ALL have caused me smh. My information was also impacted by the Equifax data breach and may have got into the hands of a bad person.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, Equifax, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Account Status Charge-off Status Updated Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX   Account # XXXX Account Status Charge-off Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX Account # XXXX Collection Contact Information XXXX XXXX XXXX XXXX XXXX, MS XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
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
Product: Debt collection

I am XXXX years old and I have been repeatedly called by an unknown caller who leaves the following voice mail, which I have transcripts of - " We are contacting you from process division we received an order for you it looks like two pending charges. Now unfortunately because we were not able to reach you by phone you will be actively pursued at your place of employment and your residence. 
You have the right to contact the client to resolve the case voluntarily. Understand when you are located -- you forfeit that right. To speak with an agent press one or contact our office at XXXX. When calling be sure to reference your case number. '' I have the transcript of another voice mail which is very similar- same phone number. 
I finally took the call. The caller- who identified himself as XXXX XXXX or something similar, new my name and the last of my SS #. I asked him what company he was calling from and he said- XXXX XXXX  XXXX. He said they had tried to contact me by mail at an address- where my daughter had once lived. He then told me I still owed $ 13,000+ on a previous car repossession. And knew my entire social security number and named the model of car. And that they would resolve the debt for {$960.00}. 
There in fact had been a voluntary repossession of that XXXX XXXX. I am currently paying off the balance with another collection company and have been for several years. 
He said it was probably too late and already headed to court, but would try to intercede. He put me on hold and when he returned said he could accept the payment. 
I told him I had to go into a Dr appointment and I would ball him back. He gave me this number and extension- XXXX XXXX. He said I only had 2 hours or it was going to court. I did not call back and continue to get the call- voice messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX i spoke to someone 3 different times & i was told prior to the XX/XX/XXXX call they certain inquires would be removed & i called back today to see why they were still there & someone told me that they were never disputed like i was told it 's hard for me to get credit because of theses & i did n't appreciate getting lied to -equifax
Product: Credit card or prepaid card

XX/XX/2022 : XXXX - {$650.00} I lost my card and on XX/XX/XXXX I got a fraud alert on my phone indicating that there was an attempt to use my card at XXXX for {$650.00} and I had accidentally pressed yes and the transaction went through. I quickly realized my mistake and called the bank to dispute this amount as fraud because it was not me and Chase said it would take care of it and not to worry about the transaction. Fast forward to XX/XX/XXXX and they reposted the amount to my account and said that they did not find any evidence of fraud and I'm now responsible for these charges.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding two accounts on my credit report that were closed over seven years ago, yet continue to be inaccurately reported and re-aged by the involved companies. Below are the details : Account 1 : Original Creditor : XXXX XXXX XXXX XXXX XXXX  New Creditor : XXXX XXXXXXXX XXXX Original Balance : {$440.00} Current Balance Reported : {$440.00} Balance Updated : XX/XX/XXXX Account XXXX : Original Creditor : XXXX BANK New Creditor : XXXX XXXX XXXX Original Balance : {$490.00} Current Balance Reported : {$490.00} Balance Updated : XX/XX/XXXX Key Issues : Re-aging of Accounts : Both accounts were closed over seven years ago, as of XX/XX/XXXX. However, the reporting dates have been updated to appear current, in violation of the Fair Credit Reporting Act ( FCRA ), which prohibits the reporting of accounts past the seven-year limit. 
Failure to Maintain Accurate Information : The balances remain inaccurately reported, and the updates are misleading, as I have not taken any action regarding these accounts in years. 
Actions Taken by Me : I have reviewed my credit reports and found no basis for the continued reporting or updated balances.
Product: Debt collection

We had compensation insurance through XXXX. The company went out of business and the balance owed was {$500.00}. XXXX increased the balance of the bill 10 times as a result of a several unannounced visits to review our paperwork after we canceled our policy. We were 6 months out of business and had all returned to regular employment. Recently I and my family have received threatening phone calls from Access Receivables Management. They have called me multiple times a day, utilizing different numbers and have recently began calling my family and have left voicemails describing the nature and content of the debt. I am feeing very harassed and my privacy invaded. The debt is inflated as a punitive measure for not taking a risk to take a day of my new job to meet with the XXXX  representative during work hours. I offered to meet anytime after. The company is financially closed and no longer had any employees and they are contacting my family which has no connection to the company. I am considering legal ramifications for the harassment and violation of my privacy rights. I have saved voicemails that were sent to my sister and father