23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

MOHELA is a new servicer to me- and I am trying to repay the balance of my loans in full. In order to do so, I have to go through their " Payoff Calculator. '' The payoff calculator page has been down or completely removed for over a month now. Now, the page says to call them to do payoff. 

Considering that the student loan pause has just ended, it feels suspicious that they have make it more difficult ( when their payments have restarted again ). The call waiting list is over an hour long, and I have no recourse to make my payment online. It seems ridiculous that I can't pay online with the online payment system.
Product: Checking or savings account

Timeline of Events Regarding My Ally Savings Account XX/XX/XXXX : I opened a savings account with Ally and subsequently deposited over {$40000.00} into the account. 

XX/XX/XXXX : I unexpectedly received an email notifying me that my account had been locked due to suspicious activity. 

XX/XX/XXXX : I called Ally to inquire about the situation. I was informed that it would take some time to resolve, but no estimated timeframe was provided. 

XX/XX/XXXX : After over a week without any updates, I called again. I was once more told to wait, with no clear indication of how long that would take. 

XX/XX/XXXX : I followed up again by phone, only to receive the same responsecontinue waiting, with no estimated resolution time. 

XX/XX/XXXX : Having received no progress after yet another week, I informed Ally that I no longer wished to use their services and requested to close my account and have my funds returned. I was told the account could be closed, but again, I would need to wait, and no clear timeline was given. 

XX/XX/XXXX : After the holiday season, I called again. I was told to wait, still with no clarity on when the issue would be resolved. 

XX/XX/XXXX : I received a phone call from Ally confirming that the account had been closed. I was given the option to receive the remaining balance via check or ACH transfer. I opted for a check. After verifying my identity and mailing address, they assured me it would be processed promptly. 

XX/XX/XXXX : Several weeks passed and I had still not received the check. Upon calling Ally, I was informed that the check had not been sent. They re-verified my identity and address and promised to resolve it, but again could not provide a specific timeline. 

XX/XX/XXXX : After another XXXX to XXXX weeks, I called once more and was told they would no longer send a check and would instead issue an XXXX transfer back to my original funding account. 

XX/XX/XXXX : I received another phone call to re-verify my information, but once again, no firm answer was given as to when I would receive my funds. 

At this point, I can no longer tolerate this continuous delay and unacceptable handling of my account. I am formally reporting this highly unprofessional and frustrating experience.
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. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : N/A Account Number : XXXX has violated my rights. Or 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

Congress states : Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Under the FCRA, a states actual damages for violations of the FCRA if they were committed willfully and knowingly and if they happened because of negligence. Consumers can receive damages if there is a violation of the FCRA, whether the violation was intentional or not. The damages that a consumer may receive are not subject to any limit ; however, damages are generally between {$100.00} and {$1000.00} without any proof that the consumer suffered harm from the violation. These derogatory reports have negatively impacted my way of living and mental health. The Accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The account is illegally publishing derogatory and inaccurate information on my consumer report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against XXXX and Americollect for violating the established credit reporting guidelines regarding medical debt. According to the XXXX XXXX XXXX XXXX ( XXXX ) and the policies implemented by the major credit bureaus, medical debts should not be reported on a credit file until at least 12 months after the date of first delinquency. However, Americollect has reported a medical debt to XXXX after only 9 months, which is a clear violation of these rules. 

This premature reporting has negatively affected my credit score and financial standing. I request that XXXX immediately remove this improperly reported medical debt from my credit file and that Americollect correct its reporting practices to comply with the required 12-month waiting period. 

I am asking for an immediate investigation into this matter and for written confirmation that the disputed item has been removed. If this issue is not resolved promptly, I will consider taking further action, including legal remedies and filing complaints with other relevant regulatory authorities. 

Please address this matter urgently. I can be reached at [ XXXX XXXX XXXX ] for any additional details. 

Sincerely, XXXX XXXX
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 XXXX 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 a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$94000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( private case number ) 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

I am writing to formally request the removal of unauthorized hard inquiries from my credit reports. On XX/XX/year>, several hard inquiries were made on my credit reports with all three major credit reporting agencies ( XXXX, XXXX, and TransUnion ), which I did not authorize. 

Details of the unauthorized hard inquiries are as follows : Date of Inquiry : XXXX. Companies listed : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Credit Reporting Agencies XXXX XXXX, XXXX, TransUnion These inquiries were not initiated by me, and I did not apply for any new credit or authorize any third parties to access my credit information on the mentioned date. The presence of these hard inquiries has negatively impacted my XXXX XXXX, and I kindly request your assistance in having them removed. 
According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Right to Financial Privacy Act ( 15 U.S.C. 6801 et seq. ), consumers have the right to dispute any inaccurate or unauthorized information on their credit reports and to protect the privacy of their personal financial information. I am exercising these rights to dispute the aforementioned unauthorized hard inquiries.
Product: Credit reporting or other personal consumer reports

Ive tried contacting this company several times through Mail and CFPB AND I THINK ITS RECTIFIED THEY SAY THEYVE DONE A FULL INVESTIGATION AND PUT THE SAME NUMBERS BACK ON MY CREDIT REPORT
Product: Mortgage

My mother became very ill and got behind on mortgage payments. Up until that time she was never late. My mother has since passed away. The deed is in my name, and the mortgage in the Estate of my mother. I was paying mortgage payments after my mother passed away to XXXX XXXX XXXX. I was in the middle of an assumption and a modification, With XXXX XXXX, when they sold the loan to Rushmore Loan Management, who said that they do not do modifications or assumptions. Rushmore stopped taking my payments, and now the property is in foreclosure with a sale date of XXXX XXXX, 2016. I can not lose this property as it is a family home. They are unwilling to work with me. I make the money to make payments. I just need them to be willing to work with me and finish what XXXX XXXX started.
Product: Debt collection

I have tried them to stop calling me and have told them I did not open an account with them!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$270.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX 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 # ( private case number ) 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: Mortgage

XXXX XXXX and XXXX XXXX owned house jointly XXXX somehow removed XXXX XXXX 's name from note kept on property wells fargo never disclosed this to us and now XXXX XXXX has died wfb refuses to admit bate and switch predatory note not backed private investment firm they have lied to us and refuse to correct this nightmare
Product: Debt collection

Tice Associates ( collection agency ) reported a delinquency of {$55.00} to multiple credit bureaus reporting a " date of XXXX delinquency '' as XX/XX/XXXX for a medical debt. Unaware of this debt I contacted XXXX who has no record any claim ( s ) with a patient responsibility of {$55.00}. 
I disputed this debt with XXXX, the following day they " verified as accurate ''. 
I contacted XXXX XXXX to inquire what this was. Tice Associates stated this was for 2 separate claims from the same provider. One for {$35.00} originating on XX/XX/XXXX and a second for {$19.00} originating on XX/XX/XXXX. 
Tice Associates stated they attempted to contact us twice once in XXXX XXXX and a second time in XXXX XXXX. We never received anything from them or the original provider who they state is University XXXX XXXX XXXX for either. 
Tice Associates states they base the " Date of XXXX Delinquency '' on the most recent delinquency and not the date of XXXX delinquency. 

1, No notification from original creditor. 
2, No notification from debt collector. 
3, Received no verification of Debt. 
4, Medicare has no record of claims from this provider, or patient responsibility for these amount 's. 
5, Date of 1st delinquency is outside the XXXX 3 year statute of limitations. 
6, Debt collector spoke to a relative about this debt in detail without receiving formal authorization.
Product: Credit reporting or other personal consumer reports

The creditor is refusing to remove derogatory entries associated with my consumer file violating 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. [ I.E. CREDITOR ] ( c ) The term consumer means an individual. [ I.E. CLIENT ] ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences [ I.E. PAYMENT HISTORY ] between the consumer and the person making the report ;
Product: Debt collection

I received a letter in a name close to mine asking me to settle a debt. I do not know this company or owe this money.
Product: Credit card

I had a XXXX XXXX XXXX account which I quit using shortly after they announced XXXX was switching to a different issuer effective XX/XX/XXXX. 
I received a letter from Citibank around XX/XX/2016 welcoming me to their new XXXX card which I had not requested. 
I called them and was informed I would receive the new card unless I cancelled my XXXX account which I did that evening. 
On XXXX/XXXX/2016 I received a credit card from Citibank. 
It is my understanding that it is not legal to send unsolicited credit cards or to open lines of unrequested credit. 
Am I correct?
Product: Debt collection

This account does not belong to me yet US BANK is reporting it on my credit. I do not think that it belongs to me.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  - {$280.00} - Balance Updated XX/XX/2023 - This is a fraudulent and unauthorized charge on my credit report, I never authorized XXXX to charge my credit and I never opened an account with them and I want this false information. I contacted them multiple times about this issue through phone calls and emails. I also put in multiple disputes with third party companies like XXXX XXXX and even with XXXX and this is still a standing issue that needs to be resolved. 

XXXX XXXX XXXX  - {$780.00} - Balance Updated XX/XX/2023 Department Of Education - {$10000.00} - Balance Updated XX/XX/202XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX  XXXX Balance : {$0.00XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 XXXX XXXX XXXX XXXX Balance : {$0.00} Equifax : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} Federal Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

STELLAR RECOVERY had originally reported a false account on my credit back in XX/XX/XXXX. I had notified both them and XXXX back in XX/XX/XXXXthat this debt was not mine and that the name and address used to open this account were not mine either. This was removed off my credit report eventually. However it appears that Stellar may have sold this debt to XXXX XXXX XXXX Who are now trying to collect the same debt. I am now having to file a 2nd police report and submitting other forms of documents to prove once again that I am not the person who opened this account.
Product: Credit card or prepaid card

last year I had a XXXX XXXXXXXX XXXX XXXX credit card that I was paying on time. I had it for over 2 years and I never once had a 30 day late payment. Then all of a sudden at the XX/XX/2017, I get a call from XXXX XXXX asking why I hadn't made my minimum payment. I was confused and shocked but nevertheless I asked what the minimum payment was and what the balance was. They told me that the balance was over {$500.00}. Again I was confused because as of my records, I only owed about {$200.00}. I asked them to itemize the charges for me and that is when the problem occurred. 

XXXX XXXXXXXX XXXX XXXXt started itemizing what the charges were. They then informed me that some of the charges were for items purchased online. Just to be clear, I have NEVER purchased anything online. I don't believe in it and I like to go to the store to make my purchases. XXXX XXXX XXXX XXXX XXXX XXXX  claimed they were going to investigate it but they said that the items purchased supposedly matched the sizes of clothes I buy in store. They never actually proved this to me but just said it over the phone. I told them this was crazy and that I did not purchase anything online and that I was disputing those charges. XXXX XXXX XXXX XXXX said that these were legitimately my charges and that I had to pay the {$500.00} or else this account would go to collections. I then asked to speak to a supervisor but conveniently the supervisor was busy and would have to call me back. He never did. 

Over the last few months I received a few calls from XXXX XXXX asking me to pay this debt. I informed them that I would gladly pay them the {$200.00} I owe them but that I am not going to pay for something I didn't charge. I also asked why I still haven't spoken with a supervisor even though I asked for one. I have even disputed this with all the credit bureaus and XXXX XXXX XXXX XXXX XXXX has claimed this debt was legitimate. Bottom line, they don't care. They are sticking me with charges that aren't mine because they supposedly have proof I charged the items even though they refuse to provide me with this proof when I ask for it. They still do not provide a supervisor for me to discuss this further and now they charged the account off and are damaging my credit report. This is coercion, extortion, malice, harassment, fraud, unfair lending practices, unclean hands, whatever you want to call it. It is completely unfair and they are preventing me from obtaining credit with new creditors. Please assist me in getting XXXX XXXX XXXX XXXX XXXX to stop reporting this as it is fraudulent reporting and collecting.