23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am on the brink ( or perhaps even over ) of making enough qualifying payments for PSLF. I have been trying for months to get in touch with someone at my loan servicer, MOHELA, because my payment tracker has not moved in months even though I've been making qualifying payments. I am at my wit 's end, I'm potentially making payments PAST the point where they should have been forgiven. I quite literally can not get in touch with anyone at MOHELA. Not by phone, email, or any other means. I need this fixed immediately. Please help!
Product: Debt collection

Pdm in XXXX florida continues to contact me after I told them I am filing ch XXXX bk. 
I dont even know who they are. They must have bought my debt from an original creditor. 
They are also calling my mom, my nephew and my brother who were never listed on any of my debt This is illegal.
Product: Credit card or prepaid card

I called Bank of America regarding credit card XXXX for them to help me set up autopay. I put all my bills on autopay. Their associate set it up for me by phone then unfortunately come to find out when she took my bank account numbers over the phone she failed to include one of the numbers. I thought I was all good that my payments were being automatically withdrawn from my bank account on the due dates. But because she did not put in my numbers correctly the auto payments declined transactions. 

I have XXXX credit cards and I have or should I say had an excellent credit history/score. I always and mean always pay on time by setting up autopay successfully. I was out of state for the winter I had no Wi-Fi so I was locked out of my email that could not be fixed so I opened up a new email account while away out of state, and I was not getting my U.S.P.S mail out of state either. I was there on severe family matters. When I got back home to Michigan I was going through my mail. I opened up a letter from Bank of America stating my payment is past due on this card and when I called I found out they closed it due to non payment for 4 months. I only owed them {$190.00} in which I paid off yesterday. Due to 4 missed payments I now owe them {$140.00} in late fees. I also, opened another letter from Bank of an America regarding credit card XXXX they also reduced my credit limit from {$11000.00} to {$2000.00}. All of this adverse information was sent to my credit reporting agencies. My credit score took a major hit. This would have never happened if Bank of Americas customer service associate would have set up my autopay successfully by putting in all my bank account numbers accurately in the first place. This mistake is noway my fault. They should have noticed this mistake right away and called me by telephone just as I called them to set up autopay in the first place. I am desperate to get this rectified in my favor to make me whole again. This is due to their negligence not mine. This is not because I outright failed to pay my payments. This is all due to an oversight on their end. Please help me by getting them to open my credit card ending in XXXX again, waiving the {$140.00} in late fees, and increasing my credit limit on card XXXX to the {$11000.00} again, and most importantly remove all this adverse information from all the credit bureau agencies. Thank you for your time in helping me rectify this serious matter Bank of America caused me due to their negligence and oversight. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

Experian will not investigate inaccurate personal information or inaccurate accounts on my file nor provide me proof per FCRA of how they are verifying inaccurate information on my credit file. Simply telling me its verified is not sufficient per FCRA laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX : XX/XX/year> To : SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public XXXX XXXX XXXX Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

On XXXX  I sent a dispute letter to Equifax requesting them to investigate and correct or delete inaccurate information on my credit report. This is now month 3 of me trying to get to Equifax to adhere to the FCRA and follow procedures outlined by congress to ensure I have a fair and accurate credit report. Equifax has refused to abide by the FCRA and accurately investigate my disputes.
Product: Credit reporting or other personal consumer reports

I have seen that the XXXX have removed one negative account. However, I still see that most of the items that I requested to remove were still in my credit file. I need this problem solved as these items were harmful for my credit records. Therefore, I am once more requesting the 3 credit bureaus to please REMOVE these items from my credit reports within 15 days : XXXX : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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

I and my son have the same names and this sometimes causes errors in my credit report because financial movements not made by me appear.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and USAA Banking you both verified this closed account XXXX XXXX XXXX, XXXX XXXX both different account numbers please reinvestigate your verification UNDER 15 U.S.C. 1681 a { e } please give me your verification you must have the information The law is the law and you have to follow the law REMEBER 15U.S.C.1681a { e } enclosed are my documents { 30 day by law } these accounts listed are Closed accounts
Product: Credit reporting

My identity was stolen and a XXXX service was provided for an address in which I never lived. This service was n't paid for so I was left with a debt of {$1000.00}. I only came to find out about this debt after it was posted on my credit report as a collection. Disputed the charge but to no avail. I can provide any information needed to help solve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report number : XXXX Experian has violated my rights under the FCRA. 
I filed a dispute with Experian to dispute an erroneous entry by XXXX XXXX XXXX in XX/XX/XXXX. I was not notified of this debt or my right to dispute. I became aware of the entry to my credit report added in XXXX XXXX by reviewing my credit report. 
Please note that this debt was initially reported by a company called XXXX XXXX. I disputed the validity of this debt and Experian removed it in XX/XX/XXXX. 
It was then purchased by XXXX XXXX XXXX. 

I received electronic notification yesterday from Experian that the dispute was rejected. 
Experian failed to adequately investigate this dispute and failed to notify me in writing of why this dispute was rejected. Important to note, but not at all surprising, I was also not notified by XXXX XXXX XXXX detailing why this dispute was was rejected. 

Experian advertises a site to upload additional information supporting a dispute. It doe not allow Word or JPEG uploads. After entering the requested demographic information, I pasted my statement only to receive an error message. 

If this matter is not handled lawfully, I will have no other option than to escalate to legal options Below is the Original dispute sent to Experian : XXXX XXXX XXXX has violated my rights under the FCRA by : -Reporting erroneous information to credit reporting agency. 
-Failing to notify me in writing of the debt and of my right to dispute the debt. I learned of this debt after seeing it on my credit report. 
-This erroneous debt and negative entry on my credit report has impacted a decision resulting in a higher than expected interest rate. 
*This debt was purchased from XXXX XXXX after it was disputed and removed from my Experian report in XX/XX/XXXX. 
Verify this debt as legitimate including the original contract, otherwise remove it from my credit report.
Product: Student loan

I received an email that my loan payment was late for XXXX for {$160.00} and I had a new loan payment if {$160.00} due for XX/XX/. I paid the balance of {$320.00} on XX/XX/ and received a confirmation email stated payment was received and on XX/XX/ received an email stating payment was posted. On XX/XX/ I received 7 emails stating my payment is past due for the same dates and amounts and that my payment was reversed because back rejected due to no account found. I contacted my bank and asked why and they stated they never received inquiry about this transaction and they did not denied payment to be made. On XX/XX/, I contacted Aidvantage and the representative stated it was reversed due to bank not accepting payment. I informed them what my bank stated and the said it might have tried to come out of savings. I told them it was processed, confirmed by Aidvantage and posted. I informed them I have contacted the Department of education and filed a complaint and that my payment needs to be accepted and not reversed again as they are trying to add more interest and that I am aware of others that have had the same issue. This loan provider is fraudulent and needs to be held accountable. I never had issues with XXXX XXXX  and wish someone else was my provider.
Product: Vehicle loan or lease

Carvana financed me a used XXXX XXXX XXXX, during the application process Carvana requested a XXXX dollar down payment. i Agreed and used a third party app called plaid that Carvana provided- This third party took my banking information and would process XXXX as an ACH on the day of delivery of the car. 

When the vehicle was delivered XX/XX/XXXX I signed the paperwork and was good to go. 2 weeks later I was called by XXXX XXXX she informed me that for some reason no one knows the ACH never happened, she wanted me to mail a money order overnight or Carvana with " unwind '' the loan and take back the car. i told her that was not possible due to a fraudulent occurrence with my bank account. She told me to bad and Carvana will be taking back the car- i have since called Carvana 5x to get the car picked up from my home and each time they tell me someone will call me to pick it up ... .but no one has! 

I'm about to make a first loan payment to a car i won't own ...
Product: Mortgage

We are still without complete information concerning the loan agreement that SLS sent to us. 
We have two ( 2 ) Requests : 1 ) Provide the name and " ADDRESS '' of the custodian holding the original loan documents. 
2 ) We need to view the original agreement in person. We are requesting a date and convenient location to view these first hand. A date in XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX, XXXX XXXX {$4.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$910.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Balance {$4100.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$580.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$350.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$320.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$290.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX
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 15 USC 1681. 

XXXXXXXX XXXX : # XXXX, US Dept Of EDXXXX : # XXXX, US Dept Of EDXXXX : # XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I got an alert from a Credit monitoring service that there was a Identity Verification Transaction request and a New Bank Account Inquiry at USAA in my name. I called up USAA and reported that it was a fraud, they promised to investigate and shut down any open requests. The account was not opened most likely as I have a credit freeze at the three bureaus ( due to prior fraud attempts ).
Product: Vehicle loan or lease

I just checked my credit report and I dont recognize a loan thats on my credit. I am a victim of identity theft
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 accordance with the Fair Credit Reporting act, the list ol accounts below hs violated my lederally protected consumer nghts to privacy and contidentiality under 15 USC 1681. 

The accounts below have violated my rights.

15 U.S.C 1681 section 6024. States | have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting can not fumish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any ol the following items ol information Any other adverse ol information, other than records of cormctions of crimes which amtedates the report by than yours.

15 U.S.C 16815-2 ( XXXX ) A person shall not tumish any information relaling XXXX to any consumer reporting agency il the person knows or has reasonable cause lo he informallon la inaccurate.
Product: Mortgage

I applied to refinance an existing mortgage with 5th 3rd Bank on XX/XX/XXXX, and submitted all the documents they requested. These documents included the following : Uniform Loan Application, Form 4506-T, Borrower 's Signature Authorization , Intent to Process, Social Security Income , and Pension Income, W-2 Forms. 
On XXXX, XXXX, XXXX was notified that Fifth Third needed some information : My most recent personal bank statement, all pages to document receipt and deposits of monthly pension and copy of my IRS XXXX IRS extension, which I did. 
In XX/XX/XXXX I sent a letter to XXXX XXXX complaining of the delay in processing my application because Fifth Third had lost my documents and delayed receipt of them when mailed registered and return receipt. 
On XX/XX/XXXX I mailed a letter to XXXX XXXX, President, Fifth Third Bank stating that the letter from his office dated XX/XX/XXXX but postmarked XX/XX/XXXX, in which his office said my application was closed as incomplete on XX/XX/XXXX. In my letter I asked why was my application closed as incomplete on XX/XX/XXXX when on XX/XX/XXXX his office requested additional information all of which I faxed to Fifth Third on XX/XX/XXXX? I stated that : " It is obvious to me that the loan officer looked for baseless reasons for denying refinancing when I have timely complied with all requests for additional information and when I sent duplicate information that was lost at your ( Fith Third ) end. 
On XX/XX/XXXX I received a letter from Fifth Third in which they stated : " Our decision to deny the loan application stands. Regrettably, we did not receive the required minimum documentation, through no fault of your own, You provided receipts as proof of having mailed the documents, however they never reached the Bank. Lack of required documentation is considered an incomplete application. '' I assert that the reason that Fifth Third denied my refinance application ( they hold the existing mortgage that have been paid on time, no delinquencies are any other problem with payment, my current credit is good to excellent, the loan to house valuation is high ) is because of my race -- XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XX/XX/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 XXXX XXXX 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 XXXX XX/XX/XXXX
Product: Debt collection

I was contacted by credit karma on XX/XX/XXXX that a collection was placed on my account .I looked it up and it is a charge from T mobile. I do not have an account with T mobile. I was at the T mobile store in XXXX of XXXX  and they were having a 14 day trial promotion for their wi-fi. The store signed me up to try their wi-fi and I took home a modem/router. I returned the modem/router after 3 days and told the store that I decided not to subscribe to their internet service. They gave me a return receipt which I do have. 
Apparently they did not cancel my account and generated a bill, which I had no knowledge of. I have never once received any kind of a bill or I would have contacted T mobile and questioned it. 
I called XXXX XXXX  customer service at least 6 times trying to resole the issue. I was told there is nothing they can do since it is in collections. I was also told that they can see I returned their equipment and did not use their services and that they would notate that. 
I was told to contact the collection agency and tell the collection agency to look at T mobile 's notation. I was also told to go to the store and i was told by the manager that he could do nothing to help me and that I should just pay the bill and be thankful I have good health and it is only my credit score frustrating me. 
I filed XXXX disputes with XXXX and they say the collection is valid. 
I feel it is not because I should not have to pay for services that I dd not use.
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for XXXX XXXX XXXX Account # XXXX in XXXX and XX/XX/2022, XXXX/DOFED Account # XXXX. It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, XXXX XXXX XXXX