23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/XXXX, I became aware of reports that unauthorized third parties may have accessed and improperly disclosed student loan borrower data, including information held by MOHELA and the XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX Given the severity of these claims, I contacted MOHELA on XX/XX/XXXX to request : A full record of my student loan data. 
Account access logs to determine who accessed my records. 
Confirmation of whether my personally identifiable information ( PII ) was shared with third parties without my consent. 

At this time, I have not yet received a response from MOHELA. However, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure that this issue is formally documented and to request oversight regarding how MOHELA handles borrower data security and disclosure requests. 

As a federal loan servicer, MOHELA is responsible for protecting borrower information and ensuring that student loan records are not accessed or shared without proper authorization. Their handling of this request will determine whether they are in compliance with federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of XXXX. 

I am requesting that MOHELA provide a full and transparent response regarding the status of my loan records and confirm whether any unauthorized access or disclosures have occurred. If MOHELA does not respond in a timely manner or fails to provide the requested information, further action may be necessary to ensure borrower data security.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I notified XXXX XXXX XXXX now XXXX XXXX XXXX that there was an error on my account as I paid XXXX payment of {$450.00} on XXXX and I received notification that I was showing past due.I immediately followed up with XXXX/XXXX  indicating that I have the receipt showing my account was never past due 30 days. It was then confirmed that I was correct and that the problem was resolved. XX/XX/2021, I received an alert on credit report XXXX, Equifax, and XXXX  that I was reported late. I then contacted XXXX/XXXX  and spoke with XXXX XXXX to enter the dispute and it will be corrected immediately. On XX/XX/XXXX I received an alert that my credit report dropped 21 points due to this error still showing 30 days past due. I have left countless messages for someone to get back to me and today, left another urgent message to contact me and to no avail have I heard back from this creditor. Also, this has been going on since XX/XX/2021 first with XXXX XXXX who was to fix the problem and now XXXX who I have left a message for a call back. To date, I'm still receiving alerts that I'm past due. When they show payment received!
Product: Student loan

This complaint concerns MOHELA and their inability to apply payments received to the balance of my student loan. 

In XXXX of XXXX, I concluded my XXXX service and was awarded {$4500.00} as part of the XXXX XXXX XXXX. This award can be put toward tuition payments, student loans, and other educational expenses. Here is a timeline of what happened : -XXXX  XXXX XXXX : I sent a request to XXXX to send this full award to MOHELA as a payment on my student loans. 
XXXX XXXX : XXXX issued the payment and sent it to MOHELA XXXX 
XXXX XXXX : I called MOHELA to get a time estimate on how long the payment would take to be applied to my loan balance. They said it would take XXXX weeks. 
XX/XX/XXXX : The payment still not applied to my loan, I called again to ask what had happened to the payment. They told me that I had had the payment sent to a previous MOHELA address as they had recently moved offices. They said not to worry and that once they payment was delivered to the previous address, it would be forwarded to the new one and would be processed as usual. I was then given a time frame of XXXX days for the payment to be received and applied. This seemed excessive for forwarding a letter within the same state, but I waited. 
XXXX XXXX : Nearly 60 days later, the payment had still not been applied. I called MOHELA again and they simply told me they had not received the payment. They said they would launching an inquiry into what occurred and that it would take up to 90 days. I told them to go ahead, but I would try to cancel the payment and send it anew to the correct address. 
XXXX XXXX : I called XXXX to see if they could cancel the payment. They told me it would be done within XXXX weeks. 
XXXX XXXX : XXXX contacted me again saying that they could not cancel the payment without running a check trace on it to make sure it did not get lost in the mail and did in fact reach the recipient ( MOHELA ). I told them to start the check trace, which would also take up to XXXX weeks. 
XXXX XXXX : The check trace from XXXX was returned to me ( which I am attaching ) saying that the check was not only cashed ( " Reconciled '' ), but was done so on XX/XX/XXXX. 
XXXX XXXX : Another call to MOHELA to tell them that the payment had been received according to XXXX. This representative ( who was very kind ) said an escalated inquiry would be launched with priority and to check my loan balance in a week and a half maximum to check for changes. I also sent them a copy of the check trace result from XXXX. 
XXXX XXXX ( today ) : Still no payment applied to the loan balance. I called once again to check what was happening. I was transferred to a supervisor who sent an email to the accounting office with " the highest escalation. '' She told me the payment would be applied to my account in XXXX business days. I am not optimistic. 

It goes without saying that this is unacceptable, whether the payment is applied in XXXX days or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on a recent XXXX statement that I was being billed {$29.00} for an Experian membership. I contacted XXXX XXXX XXXX XXXX to inquire about the charge and was told that in XXXX, 2018 I had been charged a {$1.00} fee by Experian for a membership. I must have signed up for a trail membership although I do not recall doing this. Subsequently, I had been being billed {$29.00} monthly since then for a service that I had never used. I remember getting emails from Experian that I honestly thought were scam emails and deleted them. I was finally able to contact Experian and was told that I had a membership ( which I was unaware of ) and that I could cancel it which I immediately did. I explained the situation to the representative who mentioned that another department could confirm whether or not I ever used the service and would handle the reimbursement and that she could transfer me to that department. I was never successfully transferred because the phone call dropped when she attempted to transfer me. It seems like once I cancelled the membership, Experian has been unavailable to discuss the reimbursement. 
I have been trying to contact Experian almost daily since then to no avail. The customer service phone numbers listed for Experian online literally reroute you unsuccessfully ( including dropping your calls ). Again, it seems like this has been the case after I cancelled the membership.
Product: Checking or savings account

Bank Of America violated Consumer Financial Protection Act, Unfair and Deceptive Practices, Consent Order 2022-CFPB-0004 related to Failure to conduct investigation on error notice, failed to provide credit to account and Applied Faulty Fraud Filter which resulted on denial of error claims to consumer accounts that reported unauthorized transactions. Bank of America with an on going Orders and subject to oversight by CFPB regarding certain Consumer Protection Law and Regulation. Bank of America still continue to deceive and unfairly treats reported notice of error which harmed consumers are left without redress or any resolution.
Product: Credit card

I opened a Slate credit card with Chase and submitted a request for XXXX balance transfers to consolidate all of my credit card debt to my Chase Slate card. Of the XXXX cards with balances, only XXXX of the balances was cleared by Chase. The other XXXX ( XXXX and XXXX ) still show a balance on my accounts. I am now being charged interest and late fees because Chase posted my balance and indicated they had cleared the balance from the other accounts, though they had not. Chase is now telling me I have no recourse but to wait 30 days for them to " complete an investigation ''. In the meantime I am racking up interest charges I am not sure I will get back.
Product: Debt collection

Beginning in XXXX, I began receiving phone calls from debt collectors attempting to collect a debt from " XXXX XXXX ''. No matter how many times I told these debt collectors I am not and have never been XXXX XXXX they continue to call about my student loans owed to XXXX  XXXX University, which I have never attended. I even received certified mail from XXXX  XXXX University discussing the amount that I owe and that I am delinquent. I returned the mail that came to my personal address back to the post office and explained the situation. I also contacted XXXX XXXXXXXX University and explained the situation. They assured me that it would be taken care off, however, the calls for debt collections continue. They have called my brother and my mother and have been demanding and act like my family members are lying to them about my never being XXXX XXXX. I did an internet search and learned that my phone number and address, somehow, were put in association with this XXXX XXXX. I contacted white pages and advised them that their information is inaccurate, although i'm not sure how many other places have that same incorrect information. I work for a police department, and the assistant chief has an open identity theft case from XXXX of XXXX after I knew the calls to my family and I were not going to stop. The officer that has the open case spoke with XXXX  XXXX University and a couple of the credit " outsourcers '' about clearing my number from their records because I am not XXXX XXXX and I have never attended XXXX  XXXX University. As of XX/XX/XXXX, I am still receiving harassing phone calls from outsourced debt collectors looking for XXXX XXXX and no matter how many times I request to be taken off of their lists and that I am not who they are looking for, they continue to call. They continue to treat me as though I am lying to them about my identity, and they still continue to call my family. I have done everything I know how to do at this point, and the calls will not stop. The outsourcers also can not give me any information on how my number and address came to be associated with XXXX XXXX, because I don't even know who she is. I'm not sure what else to do at this point, but every incident gets reported to the officer that is working my case. Maybe this report will help as well.
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 the complaint : This CFPB complaint has been filed to request that EQUIFAX, the 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 receiving this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ). This fraudulent, incorrect, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in multiple bogus ADDRESSES and collections on my consumer FICO credit report. I have attached a list of the accounts in question, as well as a copy of your consumer FICO credit report, which includes the aforementioned bogus entries. I do not identify the aforementioned accounts and collections, that were reported. I did not open, make, or start the aforementioned accounts, collections, addresses on my consumer credit report, which you keep. All of the accounts, collections and addresses listed above are the result of identity theft and fraud. I've attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) from the US Federal Trade Commission to prove that all of the aforementioned consumer credit accounts, collections, and addresses are the consequence of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. 

Acct Name : PROFESSIONAL DEBT Original creditor : XXXX XXXX XXXX  Account # XXXX Acct Name : XXXX XXXX XXXX Acct XXXX XXXX Dear Transunion, I am writing to dispute the presence of certain charge offs on my credit report. I believe that these charge offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX compliancy requirements. 

Specifically, I believe that the information reported by your agency regarding these charge offs is inaccurate, incomplete, and misleading. As a result, my credit score has been unfairly impacted and I have suffered damages as a result. 

Under the FCRA, it is your responsibility to ensure that all information reported to credit bureaus is accurate and up-to-date. Additionally, the XXXX XXXX compliance guidelines outline specific reporting requirements for charged off accounts, including the requirement to report the date of first delinquency and the date of charge off. 

Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review. 

I am requesting that you investigate this matter and correct any inaccurate or incomplete information in my credit report. 

Additionally, I am requesting that you provide me with a copy of the investigation results and any updates made to my credit report as a result of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Numerous points on my credit has been lost and I have never done business with this company
Product: Debt collection

JP Chase Morgan Bank filed a collection suit against my ex-wife and myself XX/XX/XXXX. We hired and attorney and pointed out the debt was not owed and the case was dismissed WITH prejudice on XX/XX/XXXX. Since that time, JP Chase Morgan collectors have repeatedly contacted both of us attempting to collect this debt. When it is pointed out that we do not owe the debt and that they are attempting to collect on an noncollectable debt, the calls stop temporarily. Today, I was again contacted by a XXXX from JP Chase Morgan collections unit ( no last name given on voicemail but extension XXXX ). I again pointed out that this is an noncollectable debt and he stated he knew they can not file suit against us but they are still going to attempt collection and that the next step is to assign the debt to another collection company. I advised him to stop harassing us and no longer contact us via phone. 

How can JP Chase Morgan continue to attempt collection and threaten to assign this noncollectable debt to another collection company? This has to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have all these credit inquiries on my report and I do not recall any of them. I have sent letters and nothing has been done or youve been placed a fraud alert. I also went to the police department of paperwork as well. Here is a list of all the credit inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed on XXXX by using XXXX with Chase Bank. I did not realize XXXX did not have buyer protection at the time of purchase. It was unclear how unsafe XXXX is for money transfers to buy goods. Chase does not make it clear that XXXX should not be used for goods and services. I ultimately lost {$100.00} I can not get back.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 letters were mailed to capital one and all XXXX credit company to validate my credit report under 15 U.S.C. SEC 1681i ( a ) XXXX, XXXX, XXXX XXXX are still reporting false information this account was charged off.05/18/2018 but still showing last date reported XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023. 
Also XXXX XXXX never responded to none of my 30 days letter to Validate Account
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor complete these transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent XXXX findings against Navy Federal for similar practices. Where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on more than one occasion to dispute the verbiage on my credit report. XXXX refuses to change it despite my efforts. XXXX, JPMogan Chase Bank, and XXXX XXXX state they can not fix the problem since they don't actively have the debt. The debts were discharged in bankruptcy. XXXX   need to resolve it and post it accordingly. Each entity needs to post accordingly. These debts were not claim paid, charged off, written off, or transferred. They were discharged in bankruptcy due to fraudulent payment activity, debts the trusts could not prove they owned, collections lawsuits on debts that can no longer legally be sued over, reporting negative credit information, and suing consumers for debt without proper documentation, and filing false or improperly notarized legal documents. As of XX/XX/2018, XXXX   states that the debts " Comments on your account changed from Consumer disputes - reinvestigation in process to Consumer disputes - reinvestigation in process, Transferred to recovery, Charge off account, Student loan ''. So essentially I have made " XXXX '' progress despite of the fact I sent them my bankruptcy discharge documentation on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize XXXX  around the time of XX/XX/XXXX and appears to be fraudulent, as well as XXXX XXXX around the time of XX/XX/XXXX. Can you please kindly delete these, thank you.
Product: Debt or credit management

I entered an agreement XXXX to consolidate an XXXX credit card in the amount of {$22000.00}. My ( XXXX ) monthly payments were made on time each month ( auto draft ) in the amount of XXXX. The agreement was supposed to settled and completed by XX/XX/XXXX. XX/XX/XXXX, they were still taking out the monthly payment with no headway with a settlement. After numerous lengthy phone calls that lead me no where with many different companies ( because they keep changing my account to other consolidators ), I still have an XXXX credit card on my credit report and XXXX, XXXX less money that was pointless. 
I was unaware until today that I could even contact yall to ask about this issue.
Product: Debt collection

Experian is reporting inaccurate information on my credit report and it causing unfair treatment and a judgment on my character.
Product: Credit card or prepaid card

Syncrony Bank issued a Sam 's Club Mastercard to me. I willingly signed up for autopay. Then paid them {$7000.00} from my checking account. They did not process the transaction until the after the due date while taking another {$6500.00} from my account. They refuse to revers the ACH transaction and insist I must wait weeks for a hard copy check, that my get lost in the mail. Meanwhile I am overdrawn and paying interest on the money they stole from me
Product: Credit card

I had a previous case with you that we thought was resolved. My husband and I were pleased with the creditors response. The creditor once again ( second letter ) apologized and stated that they basically in simple words would repair our good credit standing and reverse any late fees and interest charges. This was stated in the letter dated XXXX XXXX, 2015. To date, our credit has not yet been repaired. I am again, reaching out to you for your assistance. I have tried numerous times to reach the gentleman who wrote this letter to us/this credit card company and unable to reach him. I thank you in advance again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX fraudulently reported a debt from XXXX XXXX  XXXX, amount {$650.00}. I contacted XXXX XXXX  today - XXXX - to inquire about this account. They stated that they sent out 1 letter on XXXX. When I informed XXXX that I had not received this letter, they informed me that it went to the wrong address. When I asked why they would then report it to TransUnion on XXXX, the representative claimed that they do not report to the credit bureaus. I told her that I had contacted TransUnion, who informed me that this was reported by XXXX. She still claimed that they do not report to the bureaus ; so I asked her if they didn't report it and TransUnion did not, how did it get on my credit report. Her response was that I should file a police report and immediately disconnected the call.