23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received email concerning my daughter 's Parent Plus loan were going to start repayment plan as of XX/XX/XXXX. My Parent Plus loan are being serviced by Mohela. I went on Mohela 's website and no loans are any where to be found. It says I have {$0.00} loan debts. I Received an email directly from Mohela on XX/XX/XXXX stating my student loan is past due. ( {$1700.00} ) Then I get another email directly from Mohela on XX/XX/XXXX stating my student loan are past due with a total due of : {$5200.00}. Which is scary due to the fact that this has impact on my credit now. I have no way of accessing the information on Mohela. My information can not be found. I created a new account and my old student loans were found however they have been forgiven as of XX/XX/XXXX. 
I did find the student loans on the Dept of Education/FAFSA website however, I am not eligible to apply for IDR, or even consolidate my loans at all. I am afraid of what this is going to do with my daughter 's hope to attend XXXX XXXX  coming up and applying for loans then let alone with my credit being ruined. I am at all loss. I only make about $ XXXX a year as a XXXX  and I have XXXX other children. Not sure what to do and filing a complaint is the best thing at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX  Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XXXX  Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

12. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

15. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

16. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

17. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

18. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

19. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

20. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

21. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Student loan

XXXX transferred a student loan ( for one of my children ) to Great Lakes. I was notified by mail continuing through XX/XX/XXXX that this would occur. I have paid all the bills as presented up to now, but I received an email from Great Lakes in XX/XX/XXXX saying that I, "... appeared to be behind in my XX/XX/XXXX payment ''. I never received any communication from Great Lakes about paying a bill, and I always tell lenders that they need to mail me a printed statement, and I will not pay electronically, I made it clear to Great Lakes that I am not going to pay a {$17.00} late fee on a payment I never got. Obviously, money is not the issue. I demanded through three ( 3 ) representatives on the phone that they would be paid as soon as they sent me a XX/XX/XXXX bill, and one for XX/XX/XXXX, too. They sent me a " Student Loan Obligation Statement '', stating that I, "... had requested it. '' I did not request it, I demanded a bill. There is no return mailing address on the aforementioned document. I am mailing copies of all relevant documents to you, XXXX XXXX, Great Lakes and XXXX, so that they may decide among themselves who has to pay the late fee to XXXX XXXX, the owner of the loan. I have suggested to Great Lakes that they should pay it, since it was their error that generated the late fee to begin with. They said I would have to take that up with XXXX XXXX. which I have done, but you are being cc 'd on all of this, and that fact is noted on the other letters to the other parties. I fully expect Great Lakes to resolve this issue, including mailed billing statements, to my favor with no negative reporting, whether they come to the conclusion on their own or are compelled to comply. Thank You.
Product: Debt collection

I have had ongoing problems with identity theft since XXXX. To date my information has been compromised in the XXXX data breach, XXXX data breach, and now the XXXX data breach. I also have an ex who opened credit cards in my name after I filed for divorce but the police never managed to file charges, he is incarcerated for unrelated charges at this time. My identity monitoring service ( paid for by XXXX ) and XXXX accounts regularly report that my information is on the Dark Web. I have to keep my credit files frozen and use a pin number to file my taxes. 

In XXXX I was alerted somebody in Alaska  had opened up what appears to be a XXXX credit card in my name and maxed it out in XXXX. I have repeatedly disputed this with XXXX and the three credit bureaus in a timely manner. I can prove I am a lifelong California resident and I have never lived in Alaska. 

In XXXX of this year I received an email from Resurgent/LVNV funding basically stating that I need to pay them for this fraudulent XXXX account. I responded via certified mail that its not my debt, its id theft, that I refused to enter in to any contract with them, and that I would not pay. I also told them not to contact me again. Last week I received a bill in the mail from their affiliate XXXX XXXX XXXX stating I needed to pay them for this XXXX  account. I sent the same letter via certified mail this week and the tracking number says it will arrive on XX/XX/XXXX. 

This morning I received an alert that LVNV has reported a collections account to XXXX. I have disputed this with XXXX and filed a police report. I had previously filed a report on Identitytheft.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2020 This is not mine.

2. Identity Theft XXXX  Date of inquiry : 10/22/2020 This is not mine.

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX**** This is not mine.

4. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX**** This is not mine.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for the account XXXX XXXXXXXX we XXXX. Please investigate and provide proof with statements showing that these payments were late if proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In general, you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt on Form 1040, U.S. Individual Income Tax Return, Form 1040-SR, U.S. Tax Return for Seniors or Form 1040-NR, U.S. Nonresident Alien Income Tax Return ( attach Schedule 1 ( Form 1040 ), Additional Income and Adjustments to IncomePDF ) if the debt is a nonbusiness debt, or on an applicable schedule if the debt is a business debt. See Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ). 

XXXX did not provide me with a 1099-C therefore making my 2019 Taxes Incomplete and Misrepresented. Information on credit report for XXXX needs to be DELETED for this inaccuracy. On all Credit Agencies ( XXXX, EXPERIAN, XXXX ) And all secondary Credit agencies.
Product: Debt collection

I was customer with T mobile # XXXX XXXX promised to get a discount thru my company XXXX. OF XXXX % OF MY BILL .on the first year they granted, and the following they ask for probe that if I was still employ by the company I fax even my Pay stub and Denied .they did n't apply the discount .the bill came higher finally the block the phone .and they send me to Collection Agency before they came with amount of XXXX and I ask to explain why and if was possible to please mail detail letter with all the charges. And then told me not they will bring to over {$2000.00}. Because they argue the phone need insurance that I have never requested by the time they do suspension I owe them around {$500.00} for XXXX Telephone. 

Them I was paying thru XXXX XXXX XXXX .but they stop taking the payment next thing is they will put a lawyer. is not my fault that no one know who is collecting the money. 

And I really need help .I 'm willing to pay what is right .I ca n't pay for something I did not ask for I feel been Assault. By this Company. 

I do have all the Papers with the denial about my discount 's iknow for sure I do n't owe over $ XXXX.and to find out who authorize Insurance on phone. 

Please SOS WITH Companies Thanks in Advance. 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX 2017, I received a letter from Chase bank that my business checking account will be closed at the end of XXXX. No reason was given, and I called the number and they were unable to give me any information. They recommended I go into the branch where I opened it, which I also did, and still there was no information on the reason or any way to appeal this decision. I use the account for my XXXX XXXX, and I have never overdrafted the account in the 9 years I 've had the account.
Product: Student loan

I attended XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and successfully graduated with a XXXX. My Private loans went through XXXX XXXX, who has since changed names to Navient due to another Class action lawsuit. Needless to say the Customer Service and loan tactics have not changed. 

I have XXXX Private loans with them, XXXX of which are cosigned by my parents who are both on fixed incomes due to retirement. All XXXX loans were in some form of Forbearance due to me not finding a job within the field of study I have the XXXX in for a number of years and not making enough to pay the balances owed along with regular living expenses. the Forbearance periods I have been told are not available now, apparently there are restraints on how long a loan can be in forbearance regardless of your financial situation. Until the company name change they have refewsed to try and work out a feasible repayment plan, although, at this time, we were able to agree on an Income Contingent program, although for some unexplained reason, the XXXX cosigned loans are not eligible and every program I 've requested about has resulted in there management department ( what ever they care to call it ) causing those loans to be listed as late or delinquent even though they are on a monthly automatic draft payment that they setup and agreed too. Now that the College I attended is no longer an establishment, and the loans were obviously predatory as to this day I still cant afford the approximate {$700.00} a month the payment would be if not on the IC program. Is a portion of this, if not all of it forfeit and charged off due to the predatory nature of the loan?
Product: Mortgage

i called about my mortgage settlement today and was told there was no settlement information available and to check on-line for news updates. After reviewing 22 pages of CFPB press releases/ reports, I found no information about the Flagstar settlement. 

I received a check in XX/XX/ 2017 as part of a settlement. I received a check previously as part of a settlement with Flagstar. I have received any further correspondence as a final or conclusion of the settlement. 

I have received about XXXX, so far. 

The phone number for the Payment Administrator is no longer in service. 

The assistant at CFPB was not helpful. 

Can I have an address, phone number or email address to get information of this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX Credit Card First Bank XXXXXXXX XXXX mentions, WAS NOT A CHARGED OFF, COLLECTION, OR PROFIT LOSS : WAS PAID AS AGREED DIRECTLY TO XXXX, NOW PART OF FIRST BANK XXXX XXXX : THE XXXX PROCEDURE THEY MENTIONED IS AGAINST THE FAIR CREDIT REPORTING ACT ; XXXX EVEN TRIED TO PRESENT THE CREDIT CARD AS A BUSINESS ACCOUNT SO THE FAIR DEBT COLLECTION PRACTICES ACT WOULD NOT APPLY BUT IT WAS NOT A BUSINESS ACCOUNT ; XXXX PROHIBITED ME TO CONTINUE TO PAY MY FULLY UPDATED XXXX LOAN UPDATED XX/XX/XXXX RETURNING MY LAST PAYMENT OF XX/XX/XXXX BY CLOSING THE LOAN AND REPORTING IT PROFIT LOSS CHARGED OFF, SO FIRST BANK COULD KEEP CHARGING 34.95 % INTEREST LENDING THE SAME MONEY AT THEIR SUBSIDIARY CALLED XXXX XXXX, THEY ON PURPOSE CREATE FALSE PROFIT LOSSES AND FALSE COLLECTIONS WHEN THE TRUTH IS THE ACCOUNT STAYED AT THE ORIGINAL BANK AND WAS PAID DIRECTLY TO THEM WITHOUT ANY COLLECTION AGENCY INTERVENTION NO MATTER THEY TRIED TO INVOLVE A COLLECTION AGENCY WHEN THERE WAS NO NEED, EVEN TO THE SAME ACCOUNT ORIGINAL NUMBERS ACCOUNTS WERE PAID, UNLIKE WHEN PAYING AT COLLECTION AGENCIES. 
THIS IS CLEARLY A PATTERN OF WILLFUL CREDIT REPORTING ACT VIOLATIONS. 
THIS COMPLAINT IS TO ASK THE CFPB : WHY ARE YOU NOT DOING ANYTHING? 
WHAT THE CFPB IS THERE FOR? 
IS NOT TO CLOSE COMPLAINTS AND DO NOTHING WHEN BANKS DO SOMETHING LIKE THIS CLEARLY AGAINST THE LAW AND AFFECTING PROBABLY MILLIONS OF PEOPLE THAT ARE NOT FILING COMPLAINTS BECAUSE THE SAME COURT SYSTEM IS INFLUENCED BY BANK LAWYERS WHICH ARE RECEIVED BY JUDGES THE SAME DAY YOU ARE APPOINTED BUT YOU ARE NOT ALLOWED TO ENTER? 
SEE SUPREME COURT PETITION INCLUDED UNDER QUESTIONS FOR SUPREME COURT ; XXXX XXXX XXXX AND XXXX XXXX XXXX JUDICIAL MISCONDUCT, WHICH WAS ALLOWED? 
JUST TO REQUEST A FEEDBACK DOES NOT SHOW THE CFPB IS DOING THEIR JOB, MUCH LESS THE CFPB JOB IS TO REQUEST FEEDBACK WHILE ALL THIS KEEPS HAPPENING AND NOBODY DOES ANYTHING TO NEVER TO HEAR FROM THE CFPB AGAIN? 
WHAT IS GOING ON?
Product: Student loan

On XX/XX/2019 I asked my MyFedLoan servicer a question regarding XXXX XXXX XXXX, and deferment. Since the school doesn't take federal loans, I wanted to inquiry because it is a sudden interest due to a sports injury from running. It's been a week and they still haven't answered my question. I'm ok with them saying no, but at least have the courtesy to respond. Thank you.
Product: Credit reporting or other personal consumer reports

The debt listed by XXXX is something I had zero idea about up until it was posted on my report. I never received any notice of this debt other than the report. The company informed me about the debt details after I requested information. It was from a plumber who did work on my house two years ago, that I was told the seller of my house would reimburse me for. Digging further, I did find an invoice in my email but otherwise I did not receive any follow up about the payment being due. I never received any communication from the plumbing company and I never received any notice in the mail of a bill being due. Ive never received any notice of this debt. 

Additionally, the name and address on my invoice is incorrect, and it is incorrect on the debt report I was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has put a late payment on my credit from XX/XX/XXXX. I was hospitalized for that entire month and the payment had been sent via mail however they had not processed and I had no notifications. Once out of the hospital everything got cleared up however they still hit me on my credit report as a late payment, I have never had late payment with them and still have the account open. The account has been established since XXXX XXXX XXXX has put 2 lates on my credit report XX/XX/XXXX and XX/XX/XXXX. I was involved in a lawsuit and in order to accelerate and end the lawsuit I was forced to not pay the mortgage as the other party kept making me make payments for a house that was no longer mine. We had an agreement with the party that title will be moved over at his name and he would take the mortgage and refinance me out within 6 months. I had no interest on the property and the other party needed to get it off my name. It went 6 months or more and nothing was done so I had to do a lawsuit. The mortgage company was aware of this and said its ok. Now I am hit on credit due to this issue.
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$7000.00} XXXXXX/XX/XXXXXXXX Balance : {$36000.00} XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXXXX/XX/XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXXXX/XX/XXXX XXXX Balance : {$15000.00} XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XX/XX/XXXXXXXX Balance : {$7000.00} XXXXXX/XX/XXXX XXXX Balance : {$36000.00}
Product: Credit card or prepaid card

On XX/XX/18 someone went to XXXX and charged {$5900.00} on my Discover card. The charge was not made by me. I have since been fighting to remove this charge from my account. I have been paying interest charges for a charge that i did not make. I have spoke to Discovers Fraud department numerous times only to be accused and treated rudely for something I did not do. No one at Discover will do anything to get this off my account. I filled a police report and have contacted them numerous times to get this straightened out with no luck. I'm in the process of buying a house so I have been paying for this charge in fear that I will ruin my credit and stop my process. Please Help!
Product: Checking or savings account

I have called asking to have my santander checking account closed over the phone and they said they couldn't... I got a letter dated XXXX. 

I'm not paying a XXXX monthly fee since they decided to change the terms and name on this " simply right " checking now. I don't use the account anyway and there is only XXXX cents in there... 

They need to close the account immediately because I'm not paying XXXX to keep it open every month since I don't utilize it anyway... 
Send a check to the address attached to this complaint for XXXX cents with a letter stated you closed the Checking account with debit card... 

Checking ends in XXXX. 

And the debit card ends in XXXX. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Attention : Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX Made on : XXXX Made with : Equifax Made by : XXXX XXXX XXXX  Made on : XXXX Made with : Equifax Made by : XXXX XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XXXX Made with : Equifax
Product: Vehicle loan or lease

GM Financial 's website for billing has been reporting incorrectly for the almost 3 years I have leased a car. It continually shows the wrong amount due and incorrect due dates. Example : Login to the webpage it shows amount due as {$310.00} then look at the electronic statement and it shows {$290.00}. Consumers would be unsure as to what amount is actually due. Now at the end of the lease it shows {$750.00} due and no statement for XX/XX/XXXX. I called and they said I only owe {$140.00} ( which I paid ). I do not trust this company at all and I'm sure there will be more charges even though they tell me this XXXX 's out my account. This is very confusing and I have been very diligent to pay attention to statement amounts instead of the website but I'm worried that others would incur late payments and other financial hardships based on misinformation. This is very bad business. When I asked about this several times the only answer I got was they are working on it or they don't know why it shows this. I have talked to other GM financial customers who have similar stories. This needs to be investigated for predatory lending practices. I work for a large financial institution and if we did business like this we would be in trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports : Experian, XXXX, XXXX.

I have one Hard Inquiry made by Company : XXXX XXXX On XX/XX/2017.

Credit Unions XXXX XXXX XXXX   XXXX, CA XXXX  ( XXXX ) XXXX I have called Credit Unions at XXXX XXXX in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted Experian , XXXX , XXXX with no updates yet.
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 Bureau 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 : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.