23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was under the impression that I had to reapply annually for my XXXX plan - so I reapplied in XX/XX/XXXX. However, I apparently did not need to reapply until XXXX of XXXX. Because I prematurely submitted an application that was approved I now owe $ XXXX instead of $ XXXX. I have reached out to my servicer ( MOHELA ) multiple times, sat on hold on the phone for hours ( including right now ) only to be told that they have no way of reverting my loans back to my previous status. I was on the phone for about XXXX hours on XXXX, sent a message to them through their portal on XXXX, and am currently on the phone with them XXXX for almost an hour and still waiting. They continue to deny having any ability to change my loans since my application was submitted and approved. I have been dissuaded by multiple representatives from speaking with a supervisor, and have yet to reach one because of the incredible wait time. 

I do not see how this is fair. If I owed {$0.00} per month until XX/XX/XXXX when I would be required to resubmit my application I should not HAVE to pay until then, but MOHELA refuses to work with me. I am also on the XXXX program, which means any qualifying payments count towards the program - I would like for what should be {$0.00} payments until XX/XX/XXXX to count towards the program qualifying payments. 

This is a huge increase in what I owe monthly based on their lack of clarity on when I was required to reapply. Nobody at MOHELA is able to tell me exactly why they can not revert my loans back to their previous status. Nor have I been successful in speaking with a supervisor after being sent through multiple representatives who have not been helpful or encouraging.
Product: Debt collection

I am XXXX XXXX the consumer defined in Truth in Lending Act as a natural person, not a dead coorporation. Wells Fargo Auto has violated numerous consumer right violations. I XXXX XXXX recently sent a cease and desist certified mail and I will attached the receipt and return receipt. They still contacted me through mediums like XXXX which is a violation of the FDCPA of my cease and desist and mail fraud. I entered in a consumer credit transaction with XXXX XXXX TX XXXX XXXX on XX/XX/2021. The attached documents will show you that I was charged a finance charge of {$5900.00} which is the sum of all charges. So I shouldn't be responsible for paying on anything other than a finance charge. Truth and lending never define what a loan is so why is Wells Fargo Auto sending me bill of costs with positive balances saying I should pay them for a loan which is also misleading information. A loan is the obligation of the United States of America. I do not pay on positive balances. A debt collector defined in FDCPA means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. FDCPA states that debt collectors can not acquire consumers location without the consumer consent. I never gave Wells Fargo my information. I gave it to XXXX XXXX TX, XXXX and not Wells Fargo Auto. Wells Fargo Auto also violated my consumer rights under FDCPA by trying to threat me to make payment or they will take my property. Wells Fargo Auto said they are not governed by the FDCPA which is false and misleading information which can result in Wells Fargo Auto Being Liable for damages. Wells Fargo Auto sending documents saying they will seizure, garnishment, attachment, or sale of any property is a FDCPA Violation that results in my remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX U S DEPT OF EDXXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Debt collection

Amsher Collection reported to collection a paid debt. I requested them to delete the report from my credit bureau and they sent me a letter as a confirmation of the request to delete it. But I still see it on my records. I request to delete it. Please see attached letter from them.
Product: Checking or savings account

I have a second signer on my account. They have never used their debit card. Chase received an unauthorized request for a replacement debit card to be sent to an address not on file. They honored this request and when the card was received the people committing fraud were able to access my account and withdrawal {$400.00}. This was immediately seen by me and reported to chase as fraud. They opened a claim and then closed it because it was a chip and pin transaction. We brought the issue to their attention again and spent hours walking them through the details ( namely that they issued a debit card overnighted to an address not on file without confirming this request with either card holder. ) they returned my funds during their first review and then reversed that. Then returned my funds again and reversed it again for the same reason. They created this issue by sending a debit card out without my authorization ( and without confirming it with the other signer either ). And now they are reviewing it for a third time. They have failed to protect me, they have failed to return my funds and they have taken hours of my time discussing an issue they created.
Product: Mortgage

After a COVID Deferment, a loan modification was prepared in XX/XX/XXXX. FROM THE TIME THE MODIFICATION WAS PREPARED IN XX/XX/XXXX UNTIL IT WAS ACCEPTED AND PROCESSED BY SHELLPOINT ( IN XXXX XXXX ), THE ACCOUNT WAS LOCKED AND WE WERE FORBIDDEN FROM MAKING PAYMENTS. SHELLPOINT HAS ERRONEOUSLY REPORTED US DELINQUENT DURING THIS PERIOD AND REFUSES TO CORRECT THEIR ERROR. 

Once provided to us, I had the loan modification documents notarized locally ( at XXXX ) on XX/XX/XXXX, as suggested, because Shellpoint indicated that their mobile notary was backlogged at the time. We sent the signed and notarized documents to Shellpoint on the same day they were notarized. We were advised to check the Shellpoint website to see if the modification had been processed and to then make required payments. The representative said no payments could be made ( online or by phone ) until then because the account had be locked due to the pending modification. I checked the website almost daily in an effort to make payments. 

We were never contacted and the account remained locked. Accordingly, I called Shellpoint and was to told that the notarization was somehow defective and would need to be signed and notarized again. Shellpoint indicated they would have their mobile notary contact us to schedule a signing date. The notary never contacted us. 

I called Shellpoint 's representative numerous times. Eventually, he gave me the phone number of the mobile notary and I was forced to personally scheduled the signing. The modification was then signed, notarized, and sent to Shellpoint late in XX/XX/XXXX. I continued to check the website on an almost daily basis to make a payment, but the account remained locked until late XX/XX/XXXX, at which point almost {$20000.00} in required payments were made immediately. 

In short, due to the locking of the account BY SHELLPOINT from XX/XX/XXXX to XX/XX/XXXX, we were unable to make payments from XXXX to XX/XX/XXXX. Our credit report now indicates that we were delinquent on payments from XX/XX/XXXX to XX/XX/XXXX- exactly the time period during which the account was locked by Shellpoint. I would like the reports of " late '' payments removed from my credit reports with all three credit reporting agencies as soon as possible. This will be necessary for both borrowers- XXXX XXXX. XXXX and XXXX XXXX XXXX. 

Complaints were made to Shellpoint in XXXX XXXX and XX/XX/XXXX regarding these issues without relief. In addition, disputes were filed with the three credit reporting agencies in late XXXX and no changes to our credit repots are evident.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX XXXXXX/XX/XXXX inquiries XXXX XX/XX/XXXX personal information Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reported accurately. I have a missed payment on this account ( XXXX XXXX XXXX ) that I in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to the complaint on the following dates ( XXXX ) Im now requesting Equifax investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Mortgage

Dear Consumer Financial Protection Bureau : I am again appealing to your organization for the umpteenth time. I am being treated unfairly by TD Bank, N.A., TD Bank has illegally confused my account and now it shows me as being delinquent again. This is not true, it is a bank error as admitted by TD Bank themselves, they lie about providing proof of the error and they also claim that they have fixed the error and now they will not provide a letter stating that the problem has been fixed. When I inquire of the letter they simply reply that they need several signatures to approve my getting a letter showing proof that the problem has been corrected. 

This is a second complaint ( a new one ) against the same bank ( TD Bank ). I am being singled out as retaliation for filing a complaint against TD Bank in XX/XX/2018. And now they want to attack by confusing my account to make it appear that I am in default so that they can illegally take my home. 

Very truly your, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/
Product: Credit reporting or other personal consumer reports

I am formally requesting that Experian block fraudulent information currently appearing on my credit report, as outlined in the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). This request is due to identity theft, and I expect the inaccurate information to be blocked within 4 business days of receiving this complaint.

The following accounts on my Experian credit report were fraudulently opened without my authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These fraudulent accounts have led to collections appearing on my credit report, which I did not authorize. Under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand that these items be removed from my report immediately and that all related collection activities be halted. 

I have attached a list of these fraudulent accounts, as well as an FTC Identity Theft Affidavit and Criminal Complaint ( XXXX ) ( XXXX ) as proof of the identity theft.
Product: Checking or savings account

I have a variety of automatic card charges concerning my role. I never had the password much less ordered anything. I am recovering from XXXX XXXXXXXX and this company charged excessively to the tune of over {$600.00} $ in 3 months. I approached Chase bank a couple of times And they reassured me it was handled. I am pretty sure these 2 fine businesses have quite a few problems to deal with concerning honest people. Foreign business practices really are nasty. So much for technology and the human race. Please help me and others who have found their way into this snake pit. Thanks again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy on my credit report from XX/XX/2016 and this bankruptcy is being reported inaccurate in every way. I disputed this bankruptcy and some how it came back verified, there are so many inaccuracies with this bankruptcy, the first thing that is being reported inaccurate is the name of the court where the bankruptcy was filed, the name on the bankruptcy being reported by Experian is being reported as MA FED COURT-XXXX, this is inaccurate because I did not file for bankruptcy in a federal court, the bankruptcy should be reporting as US BANKRUPTCY CT XXXX MA, XXXX   is reporting it as US DIST CT, and XXXX is reporting it as US BANKRUPTCY COURT, by law the credit reporting agencies must report all of the information on a credit report 100 % accurate without any mistakes. The credit bureaus are also telling me that this bankruptcy has been verified by the court and that is a lie because I contacted the court that is listed as the data furnisher and they told me that the court cant and will never share bankruptcy information with the credit bureaus, so if this is the case then these people are breaking the law. By the fair credit reporting act, credit bureaus cant report inaccurate information on a consumers credit report, and this bankruptcy is not 100 % accurate.
Product: Debt collection

I spoke with one of their agents on Friday XX/XX/year> and advised that I would call back to set up a payment on XX/XX/year> I left my debt card information with him., I called back Saturday XX/XX/year> spoke to a different representative, at that time speaking in regards to obtaining a receipt to confirm a future transaction. the representative got upset and I requested to speak to a supervisor. However, I the conversation ended abruptly. The representative disconnected the phone call. I hung up on me, without reading a disclaimer and Without me authorizing a payment the representative went ahead and made a payment for {$2000.00} taking {$2000.00} out of my account. I didnt notice until XXXX oclock when I got off work that he took the money out of my account but when he hung up on me, I continue to call the number at least nine times and nobody picked up and it was still within business hours so now Im at this point where they already have information thats not accurate on the credit site and I need to have that removed. They have two different dates of when they started it and now that you just go into my account and take my payment without my authorization I would rather them just delete it all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient, I have multiple loans through them dating back to beginning payments in 2008. In all fairness, I should absolutely receive credit for paid on time balances dating back to the actual loan originiation date. The last four digits of my social security number is XXXX.
Product: Debt collection

There is a collection that was just listed, I disputed it I have no idea what this is nor is this mine and never received anything from this company. Please help
Product: Money transfer, virtual currency, or money service

XX/XX/2024 I am unable to access my Cash App account. This account has funds on it. I have access and control of the email address associated with the account and complete the verification. Then it asks for me to verify my bank card associated with the account. That card expired and was replaced. The card does not physically exist. I told them I can provide my US Federal drivers license, a birth certificate, any other form of identity verification etc but they will not grant me access to the account or give me any information about the balance held on the account etc. From my perspective this is consumer fraud and theft. Cash App is holding my funds and the only form of identity verification they will accept doesnt exist ( debit cards expire )
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, I any and all late marks found on any of my consumer credit reports by the company should be corrected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown XXXX, INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

My XXXX statement indicated two charges to XXXX XXXX XXXX, one on XX/XX/2024 and the other on XX/XX/2024, both in the amount of {$15.00}. I contacted the newspaper two times. The first time the clerk did some research and could not identify the transactions. I requested a callback from a manger. After two days of no callback, I called again and requested a manager. I was told a manager would return the call. After no call, I sent a dispute letter the Chase. 
Chase responded on XX/XX/2024 indicating that they had investigated the matter and that the charges were valid. 
I want to know who they contacted and how they determined that these unauthorized charges were authorized.
Product: Student loan

I am in a temporary re-payment plan with Navient and have noticed, my payment amount is for {$390.00} but when I login to the account, it shows my payment due is {$290.00}. I do not know what happens to this additional {$100.00} but what I do know is, I am afraid to call this lender and ask. Navient has me in a constant state of XXXX. Many of their customer service representatives have demeaned and debased me and I am uncomfortable speaking with them. My temporary payment plan is coming to an end shortly and there are no options available on their website about what to do, the website is directing me to contact them. I am not going to be able to afford a quadruple payment amount and am now quite concerned about the payment I will be making. If I make a payment amount, is it the true payment amount or is there another amount going somewhere else like the {$100.00}?
Product: Student loan

Despite many request, even though I paid the {$50.00} fee for forbearance, your servicer Navient still did not put this loan in forbearance. 

As explained before, I need more time and making progress to solve the case in XXXX. It is possible for me to repay all the debts, if private lenders like you are as patient as the government lenders.