23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Loans for forgiven via the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, I still have not received the refund for payments made prior to XXXX XXXX XXXX XXXXXXXX ( as stated in the XXXX ). When contacting Mohela, they tell me I am not eligible for a refund. Terms of the settlement XXXX XXXX XXXX XXXX XXXX ) state that " If the XXXX XXXX application related to federal student loans taken out to pay for attendance at any school on the list of schooled attached to the settlement agreement as Exhibit C, the borrower will receive Full Settlement Relief. Full settlement relief means that the federal student loans associated with the borrower 's attendance at the school will be discharged, XXXX WILL REFUND ANY AMOUNTS PAID TO XXXX ON THOSE LOANS, and the credit tradeline for those loans will be deleted from the borrower 's credit report. '' So by these terms the XXXX has not honored full relief by not providing me with a refund for payments previously made. 

Please provide information on what my next steps should be. 

Thank you very much for your time and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/2020
Product: Credit card

In XXXX XXXX, I opened a credit card account with Bank of America. It was a transfer balance of {$5000.00}. There was a fee of {$150.00}. The due date of each month was the XXXX with a minimum initial payment of {$51.00}. Now both my wife and I have excellent credit but for some reason I never could seem to find a rhythm with this card. I always paid much more than the minimum but inadvertently missed payments on occasion and/or was a day or so late. Part of it was I was out of town on business a bunch during early XXXX and just was losing track of things. I missed my initial payment in getting the account set-up ( made up in the next payment of {$500.00} with more than the minimum due for XXXX payments ) There was one more payment I missed in XXXX. In XXXX I continued to be late missing the cutoff on XXXX payments and paying late fee each time. As I said I was out of town for much of the first 5 months of the year. Then on the 5th and 6th payments in XXXX starting XXXX/XXXX/XXXX I paid XXXX payments one of {$500.00} and then {$2000.00} for a total of {$2500.00} on the account leaving a balance of {$1600.00}. The next payment I paid {$750.00} leaving a balance of {$920.00}. The next XXXX payment I inadvertently missed again and was charged a late fee of {$25.00} and then {$38.00}. Then on XXXX I paid {$100.00} and on XXXX $ XXXX.The remaining balance was {$370.00} which I paid in full, but unfortunately 2 days after the XXXX cutoff posted on XXXX. I was charged additional {$25.00} late fee even though I paid it in full and there was now no balance due. I called to get the {$25.00} charge reversed for the XXXX statement and was denied even though the account was now paid in full AND since the account was open in XXXX XXXX ( over a year ago ) I had only asked for XXXX reversal which was the initial payment in XXXX XXXX. Essentially we had paid {$260.00} in late fees from opening XXXX to paying off the account in its entirety XXXX. I asked them to reverse the very first payment late fee and the very last for a total of {$50.00}. I asked for nothing in between and took responsibility for those late fees, but the very last one while I missed the cutoff I did pay in full {$370.00}. We really thought with all the fees and the fact we have good credit and always paid much more than the minimum that last late fee was out of line. When I called to have it reversed in XXXX, they denied that last reversal. Are they in their rights? I suppose one could say they were, but they made lots of money off of us and that last reversal cost them any future business with us all for {$25.00}. I called one last time today as I was going over the finances for tax purposes and was reminded of this matter.They still denied the {$25.00} reversal of the last late fee. I think they took advantage of us and that is why I am writing today.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries, unrecognized by me, are posted to my report : XXXX   XXXX, XX/XX/XXXX. XXXX, XX/XX/XXXX. XXXX XXXX XXXX XXXX,XX/XX/XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX. 
XXXX, XX/XX/XXXX ( twice ). XXXX/XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit card

XXXX all is well. I made my minimum payment of {$230.00} XXXX XXXX, 2025 as you can see by the screenshot the time and date. I paid the minimum payment that it told me to pay online I didn't just make that number up of {$230.00}. All of a sudden you are saying XXXX delinquent and this is an attempt to collect a debt when I paid what it told me to pay the minimum due of {$230.00}. My account has been messed up since your agent told me to make another payment and the original payment was not going to retry. It's wrong to tell me I paid the wrong amount and threaten me that this attempt to collect a debt when I paid theminimum due of {$230.00} that was in the system to pay.Please look at my screenshots carefully and you can see why I paid {$230.00}. The fees and the attempt to collect a debt should be removed/refunded and stopped because it's not my fault your system told me to pay {$230.00} and that's why I paid that XXXX isn't right and my account needs to be fixed. Not that I dont agree it is absolutely wrong. I have been a customer for over 15 years long time and I have not ever had an issue the issue started when your agent gave me the wrong information. I paid the {$230.00} because that was the minimum due on XXXX XXXX, 2025. I dont think you are really looking at my account. This is not right my account needs to be corrected. I dont know what your seeing on your end but on my end the minimum due on XXXX XXXX, 2025 was {$230.00} which is what I paid. Please fix my account. Thank you for your time. Have a wonderful day!!
Product: Debt collection

I received 9 phone calls between XXXX and XXXX on Saturday XX/XX/2018. Not one voicemail was left. This happens everyday continuously.
Product: Mortgage

Freedom Mortgage claims that I was late on a contractually due payment of {$1400.00} on XX/XX/XXXX. I did not have a loan with Freedom Mortgage in XX/XX/XXXX. My loan was sold from XXXX XXXX to Freedom Mortgage in XX/XX/XXXX. The XXXX Loan was not contractually due XX/XX/XXXX in the amount of {$1400.00}. The loan was in forbearance. XXXX XXXX  inaccurately reported that the XX/XX/XXXX payment as late. The attached letter confirms that XXXX XXXX  corrected the inaccurate reporting. However, Freedom Mortgage FAILED to follow-up to find out if the reporting had been corrected even after I informed Freedom Mortgage multiple times that the information was incorrect and provided documentation. 

I made a payment of {$1200.00}, in good faith, on XX/XX/XXXX after receiving directions to pay the amount from a Freedom Mortgage agent based on a new loan modification which would be forwarded to me. I was told the new loan was due starting XX/XX/XXXX. I never received the loan documents. I requested the loan modification documents more that 20 times and never received them.

Six months later, Freedom Mortgage finally sent me completely new loan modification documents with a payment of {$1100.00} starting on XX/XX/XXXX. I have requested that Freedom Mortgage apply the XX/XX/XXXX mortgage payment of {$1200.00} to the new mortgage payment of {$1100.00} due XX/XX/XXXX. The balance of {$110.00} will be applied to my escrow account. 

The {$1200.00} ( unapplied/suspense payment as Freedom Mortgage labeled it ) is now being held based on inaccurate information that I was delinquent on a payment due in XXXX before Freedom Mortgage owned the mortgage. At first Freedom Mortgage claimed the payment was delinquent on XXXX, XXXX now they have stated the payment was due XX/XX/XXXX. I have asked for proof and received none. 

Freedom Mortgage is refusing to apply the XX/XX/XXXX mortgage payment of {$1200.00} to the new mortgage payment of {$1100.00} due XX/XX/XXXX, and the balance of {$110.00} applied to my escrow account. 

I have spoke to five supervisors and none have resolved the issues. All answers have been generic and incorrect on their internal message board.

This is one of many issues I have encountered with Freedom Mortgage. They never contacted me 30 days before the end of my forbearance to start the loan modification process. I contacted them before them time and time again to start the loan modification process. I have detailed documentation for all my allegations. 

The federal government should not allow a debt collector such as Freedom Mortgage to own any federals home loans.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Experian : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Dear XXXX There is information thats on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted ; My request to block and delete is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as a consumer. 

XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 {$550.00} was taken from my checking out without my authorization. I authorized {$50.00} to be taken on XX/XX/2021 just the one time. At no point did I authorize any other amount to be taken.
Product: Credit card

I purchased the XXXX XXXX console for my sons for XXXX. While playing games on the console, the XXXX XXXX XXXX for XXXX XXXX ( XXXX ) was erroneously purchased for {$95.00}. Given that I do not own a XXXX XXXX Console, and already own the XXXX XXXX XXXX game for my XXXX XXXX console, I immediately contacted XXXX to try to resolve this. 

It is XXXX policy that " You can cancel a digital content purchase within 14 days from the date of purchase and receive a refund, provided that you have not started downloading or streaming it. '' Till this day, I never downloaded the game. I made several attempts to contact XXXX but was rerouted from XXXX number ( XXXX ) which directed me to the online technical support/chat bot at playstation.com, which in turn directed me back to call XXXX. After this loop of automated phone responses to chat bot loop went on for days, I decided to contact XXXX XXXX XXXX to pursue my refund from XXXX from them. This was all within the 14 days, and XXXX has my account information to prove that I have never downloaded the game XXXX XXXX XXXX for XXXX ; however, they denied my claim. 

At this point, I have no other choice than to repot them to the CFPB for poor customer service and deception practice. Any company that I have ever conducted business with, I am able to communicate with a human being to initiate a return, and not automated phone responses and chat bots. This was not the case for XXXX.
Product: Mortgage

I was included in the covid forbearance for hardship in XXXX and in XXXX I was ready to resume payments. Upon trying to get the loan modification done. It has been nothing but constant runaround and dead ends. I worked with XXXX XXXX who had my original loan. I waited four months while calling the company every few weeks to just get the same answer of, the paperwork did not go out and they had to escalate it which will take another four weeks. Upon calling back to the company I get the same response that it needs to be escalated and another four weeks. Then XXXX transferred my loan to XXXX XXXX and XXXX XXXX is giving me the runaround because they cant get the paperwork from XXXX This has dragged on for over a year now and Im still not able to make payments because they are saying I owe {$50000.00}, even though my loan modification was approved months ago but I never got the paperwork to sign and send it back to them. The account is currently sent over to foreclosure and I feel like Im getting screwed over because Im ready and willing to make the payments, but Ive been waiting on the company to modify the loan for over a year and now theyre trying to foreclose on the property. I reached out to the VA and they cant assist or help me so Im at a dead end for assistance and its causing stress and possibly me losing my home even though Im willing and ready to resume payments for the last 10 months I have no more avenues left.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts on my credit file indicated as " bankruptcy '' or " closed '' should be deleted and removed immediately as they are closed and no longer active or valid. I have made several attempts to delete and remove them by asking the creditors in question to remove them. I have disputed all of the accounts and have been ignored. Under the FCRA these accounts should be removed due to inaccurate reporting. 

The reporting agencies have also had a breach in their data systems allowing access to my accounts which was the result of unwanted hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, scammed me by offering a FREE TRIAL. Then putting me on autobill for {$29.00} every month and {$24.00}. Once you log in the account they deceptively show you a page that forces you to make one click to continue and a wrong clicks gets you billed over {$100.00} of dollars. 


Once you login from : XXXX XXXX XXXX XXXX The next auto page is : XXXX XXXX XXXX Where a trick pink button takes your money away. I called them to get my money back and they claim a HIDDEN. " Terms and Condition '' link far at bottom Experian billed me all below and NEEDS TO REFUND EVERYTHING, currently only 2 of 6 transaction are refunded. They are refusing to refund the rest XX/XX/2020 Experian* Credit Report Bills & utilities {$24.00} See details about this transaction XXXX XXXX XXXX Experian* Credit Report Bills & utilities {$24.00} See details about this transaction XX/XX/2020 Experian* Credit Report Bills & utilities {$24.00} See details about this transaction XX/XX/2020 Experian* Credit Report Bills & utilities {$29.00} See details about this transaction XX/XX/2020 Experian* Credit Report Bills & utilities {$29.00} See details about this transaction XX/XX/2020 Experian* Credit Report Bills & utilities {$1.00}
Product: Money transfer, virtual currency, or money service

I lost my direct deposit to my bank card while my taxes and stimulus check was processing so it can come to me though direct deposit this year for my check in the month of XXXX being transferred over to my bank the check never made it to my new card before the check was ready to sent I been change my debit card to a new same bank but different debit card number. and told them to send it to my new care I updated with the third party I did my taxes with and file with and get my money included my 4th stimulus check but it was stolen and misent to the old card which was stolen and lost wit another person that had it I called direct express and told them to investigate they didnt but issued me a new cared that the stimulus check is going go to but it never came on to my new card I updated wit XXXX  XXXX thats the party I did my 2021 taxes wit the 4th stimulus of the amount of XXXX $ Stimulus check wit my taxes I need a refunded check sented do my current and living mailing address.
Product: Debt collection

Previously I received a bill from XXXX stating I owed them money. I contacted XXXX by phone around two years ago when I received the first bill. They told me they were going to resolve, take the bill away and they will get in contact with me. Today, after two years I received a collection bill from EOS CCA Collection Agency ( XXXX ) stating I owed {$310.00}. I want to leave this clear, I NEVER HAD A XXXX ACCOUNT. I live in a XXXX community for more than 5 years and where they don't offer XXXX XXXX Today XX/XX/2023 was researching and signed into the collection agency page www.eos-cca.com and It shows that account number does not exist ( copy enclosed ) Are they trying to get money or what.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) the financial institutions and the consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, whether it be verbal, non verbal, written, implied or other wise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) never informed me of my right to exercise my non-disclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states 'Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of the convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports under section 1681 b of this title. '' XXXX, XXXX and Experian are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXX XX/XX/year> ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX SS # XXXX To Whom It May Concern : I received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate.

This is my 3rd attempt at having you delete this inaccurate information.

This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the accounts XXXX XXXX XXXX XXXX Account Number XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Account Number xxxxxx XXXX Balance {$13000.00} XXXX XXXX  Account Number XXXX XXXX Balance {$3000.00} XXXX XXXX Account Number xxxxxxxxxxx XXXX Balance {$0.00} XXXX XXXX XXXX  Account Number xxxxxxxxxxx XXXX Balance {$700.00} XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX Balance {$940.00} You have validated inaccurate information and these accounts are hereby disputed. 
The information on these accounts being furnished on my consumer report in fact inaccurate. 
15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, 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 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 furnishers of this information that the information has been modified or deleted from the file of the consumer. 
List of accounts to be deleted :
Product: Debt collection

Midland Funding has 3 accounts with my name. {$380.00}, {$1100.00} & {$530.00}. All had the wrong last name and incorrect address. I contacted them 3 times for proof that the bills were actually mine since the name and address were incorrect. Midland sent nothing. 2 months later, I received a summons in the mail with a final credit card statement with the CORRECT NAME AND ADDRESS ( {$1100.00} ) .. I answered the summons and again requested documentation for all 3 accounts proving I was responsible. Still nothing 2 months later. I am now receiving emails from XXXX XXXX for one of the debts ( {$380.00} ) while Midland continues to report to my credit. In a multi state settlement in XX/XX/XXXX Midland agreed to : Verify information in affidavits, have account documents before filing a lawsuit and NOT resell debt until after XX/XX/XXXX.I 'm being sued, missing work, incurring debt with legal trying to defend myself for something that may not belong to me while they are breaking the debt collection laws.