23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To Whom It May Concern : From XXXX XXXXXXXX I was told Mohela had been directed by the Dept of Ed to not charge interest on accounts. However, my total sum owed to Mohela went up over {$2000.00} even though the account was on " remediation forbearance '' and I should have been put on 0 % interest and any interest accrued during that time frame should have been removed. I called Mohela asking about why this occurred and Mohela XXXX XXXX said each account was supposed to be corrected " manually '' and interest accrued returned to the borrower. 

On XX/XX/XXXXXXXX  before my loans with Mohela started back from the pandemic pause, my total balance was {$170000.00} ( {$150000.00} principal and {$18000.00} in interest ) and yet when my loans on XX/XX/XXXX appeared on Mohela 's website, my current principal ( of the consolidated loan ) was {$170000.00} and my accrued interest was {$650.00} and my payoff amount was {$170000.00}. It would appear that a difference of {$2600.00} would indicate Mohela was accruing and charging me interest during Fall XXXX. I asked Mohela XXXX XXXX and she said she looked into it and agreed I had been charged and she said she saw some money had been returned to me for interest accrued- but not all. She said she was not able to open/see all of my loans from Fall XXXX, but in XXXX loan she said that she saw I was still owed {$640.00} for just that single loan so with all of the loans she would think that might account for the extra $ XXXX. She was not able to tell me the total amount Mohela miscalculated at this time. Mohela has not provided clear amounts in correspondence with me either which I have requested. XXXX XXXX said she opened XXXX Case # XXXX with Mohela for me regarding this issue. I am hoping Mohela will provide documentation along with correcting and returning all the money owed. I would appreciate a clear break down of how much Mohela charged me in interest during the Fall of XXXX and how much they are returning and when I can expect it.
Product: Payday loan, title loan, or personal loan

Back in XX/XX/XXXX I applied for a $ XXXX installment loan through Synchrony Bank to pay for a medical procedure. They were offering XXXX  months no interest financing as a special offer. When I was approved for this special offer I added my payment information and setup my payment which I thought was setup to pay off the loan over the XXXX  month special offer. There was no other payment amount provided to me at that time except to pay off the full balance or manually enter an amount in. My assumption was that this loan was paid off in full as of XX/XX/XXXX given that I have never missed a payment and everything was setup to be paid off. In reality, the payment option they provided doesn't fully pay off the entire balance of the loan so in XX/XX/XXXX I still had around $ XXXX in balance outstanding. My promotional offer expired and they added {$5000.00} in back interest at XXXX  % interest from the previous XXXX months to my balance. My total balance is now back right where it started and I owe just shy of $ XXXX in outstanding balance with the added interest. I called to talk through this with them and explain what happened but they were unwilling to help in anyway and said that they had sent communication this was happening back in XXXX. I went back to the email they sent and it never mentions that they were going to add {$5000.00} in interest at that time to my balance. I would have just paid off the remaining $ XXXX in outstanding balance and been done with it. The email they sent was just a standard " here is your monthly payment amount '' email. You have to go into the statement and look at the very bottom of the XXXX page below all the main financial info to find out that they are going to add all this interest. This to me just doesn't seem right and I think I should be given the opportunity to pay off the balance of the loan minus the extreme interest that was added without my knowledge.
Product: Mortgage

I filed complaint # XXXX-XXXX  with " XXXX XXXX XXXX  '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX responded with an offer to make catchup payments for my mortgage which was what I asked for! This is good, except before I could make any payments they sold the mortgage to : " Fay Servicing LLC '' XXXX XXXX XXXX XXXX XXXX, TX XXXX I was sent a payment coupon stating {$47000.00} would bring my mortgage up to date. 
the payment would have to be received prior to XX/XX/2020 to not incur more fees! 
I sent My Check # XXXX for {$47000.00} dated XXXX along with their coupon. I have been calling Fay Servicing about the check due to it not having been cashed. I have called several times but today XX/XX/2020 I was told they received the check but would be sending it back! Why? I was told they do not have to honor the repayment schedule. 

Check was mailed to : Fay Servicing , LLC Attn : Payment Processing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, TX XXXX I am now back to square one. This is a total scam! What can I do? 

HELP!
Product: Credit reporting or other personal consumer reports

I have tried to get Experian to correct wrong entries on my credit report that effect my fico score and return proper score points back on my report also Question how my fico did not increase after drastic positive changes on my credit report in over a year paying never late, I will attach copies not correct entries with statement summary from creditor.
Product: Credit card or prepaid card

I used my Amazon Prime Visa Chase card to purchase XXXX on XXXX on XXXX XX/XX/2021. I returned it and then after XXXX banned my account! So that I can not trace my return. So I disputed the charge from my card. Then what happend was they rebilled that charge on my account on XXXX XX/XX/2021. I have proof that I returned the product and XXXX also received it. But Bank is not responding anything with that. They told me that charge is valid. I contacted XXXX and they are saying we processed your refund ask your bank. Bank is asking me to ask XXXX. Im tired of this thing. While I have the proof. Im a XXXXXXXX XXXX from XXXX and I really didnt expect that The XXXXXXXX XXXX and companies will do this type of thing and will harass the customer like this. Im really really tired of these guys. Ive no idea what to do.
Product: Checking or savings account

I want to make a complaint about Chase bank. I accidentally deposited a check that has someone else 's name. The check is a deposit return from an apartment and the name on it belongs to my roommate. My bank account was frozen due to suspected faud activity, I tried solving the problem by contacting both Chase and the check maker, but Chase requires a verification from the check maker only through phone calls and only through verified numbers. All of the available numbers of the check maker are not " verified '' on Chase 's record so they can't communicate with them. They later told me to scan in my leasing contract with the check maker as a verification, but the process is extremely slow and it doesn't seem to be working. I suspect that they will never give the money back and it's a big amount.
Product: Student loan

I am looking to lower my private student loans and Navient is not doing anything to help. I have called to try and get assistance but they state that due to my income combined with my wife I do n't qualify for anything. My minimum payments across all my loans, all serviced by Naivent, are upwards of {$500.00} and I ca n't afford that. Not sure what else to do as I do n't want to fall behind on them or have this mess up my credit even further. On top of that Customer service is rude and has not been helpful at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Lockhart , Morris & Mont called me originally back in 2018 for this debt and when I had originally discussed this with them, I asked them for the original documentation in details about the payments that had been applied for this debt that I had paid before it got sent to collections, because I did not agree with the amount they said i owed. I went back to the originally creditor and asked them for a statement of account in which they refused to provide to me and said it went to collections, therefore it was no longer up to them and that I needed to deal with the collection agency for all matters. 
I recently sent them a certified letter asking for REQUEST FOR VALIDATION OF DEBT and they responded within the 30 days, however, they did not respond with the information that we asked and within their response, they stated they are responding to the request for VERIFICATION which is not what I requested at all. At the top of the letter in bold and capital letters it states, REQUEST FOR VALIDATION, NOT VERIFICATION. In their response, they sent paperwork back for the original debt, but had only summaries of the debt not complete calculations of the ins and outs of the payments received, amounts reapplied, or even where this random shipping and handling charge came from. 
I sent a 2nd letter informing them they that they did complete what was requested, and even included their original response documentations with markups of what we were requesting along with another letter. Their response came shortly after only to be the exact same documentation with NO CHANGES OR BREAKOUTS like asked. Again their letter back states they are responding to my request for verification when i asked for VALIDATION. 
Validation of debt and verification of debt are two separate things when it comes to credit and debt reporting. 
I wanted break downs of the dates my payments were made, why their summary said no fees yet their total summary on a different page has late fee 's but no explanation and they have a shipping and handling charge of {$150.00} that I do not know anything about and I am not being given any information about this either. Especially since I have asked for them to provide the information as to how I acquired the debt and how they got their calculations. Within the 2nd letter sent back to them, on page 7 there are multiple notes pointing out the discrepancies within this billing and they have not provided me those calculations or information about how they came to be. Especially the shipping and handling fee of {$150.00} since this is a student tuition debt.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the numerous attempts made to remove fraudulent items from my credit file. Despite multiple efforts to rectify the situation, the issues persist, and I find the current state of affairs to be unacceptable. Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$210.00}.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information conceining the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Victoria 's Secret has failed to properly report an updated credit report since XXXX XXXX XXXX. I have called them XXXX times and every time they have told me it was because they switched to a new system and there are delays in reporting for their customers. This is through comenity bank. They have also said it's to help their customers which in fact does not help them at all. My card is completely paid off and my report is not accurate causing me severe financial issues in getting a home loan. It does not take XXXX XXXX to report to a bureau and their excuses are ridiculous.
Product: Debt collection

I've been attempting to get this collection agency to properly report my debt for over 3 years. It has finally reached its time to be deleted off of my credit report and the statute of limitations has run out on the debt. This company keeps putting any date they want as the original date of collection or date opened. The date of collection or first date or delinquency should have been around XX/XX/XXXX. The original debtor was XXXX XXXX, they then sent it to collections with XXXX XXXX ( acct # XXXX ) and in XX/XX/XXXX it was deleted from my credit file under that collectors name. However, it had already apparently been to another collection agency called Perfection Collection, they then increased the amount owed and changed the date of original delinquency/placed for collection date. Over the course of several months that have turned into years Perfection Collection kept reinserting/re-aging my original date. In XX/XX/XXXX I disputed again, and the file was removed as it was supposed to be and it was either time for deletion automatically due to it expiring or because the reporting was erroneous. Then on Sunday, XX/XX/XXXX I got an alert on all of my credit bureau reports that a new collection was added ; it was this same collection again but under a new LLC name that is the same person, address,, etc of Perfection Collection but he has sold the file to himself and other LLC name and he is still trying to state the original collection date as XX/XX/XXXX in an ILLEGAL attempt to re age my file. I opened a dispute with XXXX who I do not believe even looked at my information to see the company keeps just changing names and dates on my credit report every few months to fit whatever need so it can put it back on my report or re age it so it can stay longer.I am again asking for help and that someone address this company and their illegal practices, I would like to even move forward with filing a complaint and pursing my rights to sue for damages and receive the funds from the fines they should be imposed. I have more than enough supporting documentation to show these illegal re-aging practices this company is doing. They are committing clear violations of the Fair Debt Collection Practices Act and violating statute of limitations. I am also submitting the original letters I have been sending over the last few years. If I can not get this resolved I will be seeking counsel and then I will be seeking attorney fees, statutory damages and actual damages. This is my third attempt with submitting a complaint to you all with no resolution for different reasons ... FYI ... XXXX XXXX XXXX is Perfection Collection, they are the same company, same owner, same address, same phone number, etc. I have checked with the secretary of state.
Product: Mortgage

This complaint is against BSI Financial. I applied for a mortgage loan in XXXX XXXX that took more than 9 months to be reviewed. I inquired weekly to confirm my application was complete, however, BSI failed to communicate efficiently, despite numerous emails inquiring if there was any additional information needed to complete the loan application. This was a very XXXX time due to being behind on my mortgage. I attempted to inform my customer service representative my financial situation [ i.e., income ] had improved since the initial application. I finally received a denial letter, however, it did not provide sufficient information regarding why my modification request was denied. I appealed this decision and never received a response to my appeal. I was advised to reapply and provide updated financial information. I reapplied for a loan modification in XXXX XXXX, this time with a consumer advocate. All the documents were submitted at once to circumvent any delayed delivery. My consumer advocate called several times and left messages inquiring about the status of my new request and no phone calls were returned. Today, I called [ XXXX XXXX ] and requested that I speak with my BSI customer service representative. She came to the phone but opted to call be back. Her first statements were a disclosure indicating that the call was being recorded. I asked specific questions regarding why my original request for modification was denied. The representative was unable to provide any detailed information, despite having my customer advocate and me on the phone for over 40 minutes. My specific request was for the amount of debt that was reported in the initial application and the amount of reported and verified income. I wanted to understand WHY my initial application was denied. When I reminded the representative that I wanted these responses a part of the recording, she quickly ended the call. 

My complaint is specifically related to the following : 1 ) lack of timely communication ; 2 ) failure to respond to my request for a qualified written response as outlined in my appeal ; 3 ) receipt of a demand letter during an active modification application process. 

I have the name of the specific customer service representative who rudely ended the call. I never indicated that I was recording the call. The representative did. I simply restated that the call was being recorded. I believe the representative mistook me to say that I was recording the call. 

I am gainfully employed with sufficient income to pay a reasonable monthly mortgage. I believe this matter needs investigation from the CFPB to ensure my rights are not being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Complaint Against Experian and XXXX  for the past 10 months have been requesting to dispute unknon inquiries. When I lifted my credit freeze in XXXX, XXXX and thereafter ( XX/XX/XXXX ), at least 10 inquiries from companies, banks and loan servicing entities that I had not applied for credit from and I had not filled-out any type loan application in person or online.Complaint- Experian and XXXX  refused to allow me to dispute the unknown and inquiries that I had no knowledge as to why they pulled my credit without my permission : banks, credit unions, and loan servicing companies. I had not applied for credit with these entities in my dispute or given them approval to run my credit at all. Experian and XXXX  refused to allow me to dispute these unknown inquiries would not even bother to investigate this inquiries as requested. Complaint Against Experian and XXXX for the past 9 months as they have not allowed me to dispute unknown inquiries as follows : 1. XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 2. XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 3. XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 4. XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 5. XXXX XXXX, inquiry XX/XX/XXXX, not my approval 6. XXXX, inquiry XX/XX/XXXX, not my approval 7. XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 8. XXXX XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 9. XXXX, XXXX, inquiry XX/XX/XXXX, not my approval 10. XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXXnot my approval
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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.