23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/year>, Mohela announced that they would transition their loan servicing system to StudentAid.Gov. 

In XX/XX/year>, I scheduled a XX/XX/year> {$650.00} loan payment and a XX/XX/year> {$650.00} payment on my federal student loans. I requested a formal financial activity report for my prior and scheduled loan payments to ensure that Mohela would keep records of my loan payments during and after the loan system transition. I received a confirmation from Mohela that this process would take 2 weeks to receive. 

In XX/XX/year>, Mohela notified me that my account was transitioning to StudentAid.gov. On XX/XX/year>, approximately 4 weeks after requesting the financial activity report, Mohela notified me that I could access my financial activity report at Mohela.com. When I tried to log in to my Mohela account, I received this notification and couldn't access my account anymore : " System-Platform Transfer Notice Your federally-owned loans serviced by MOHELA have begun to transition to our new loan servicing platform. Your loan information in the phone system and online will be available once the transition of your loans to the new platform is complete. Your loans will still be serviced by MOHELA. 

We will send you a letter once your loans are fully transitioned to introduce you to the new loan servicing platform. If you are enrolled in Paperless correspondence, you will be sent an email that your letter is available on the new loan servicing platform. Check mohela.com/system-transition for more information. '' On XX/XX/year>, {$650.00} was debited from my account for my scheduled loan payment. 

On XX/XX/year>, Mohela notified me that my account transition to StudentAid.gov was complete. I created a StudentAid.Gov account and logged into my account. I noticed that my XX/XX/year> loan payment was not reflected in my account. I called Mohela 's customer service, who noted that they couldn't find my payment in the system. I asked the customer service rep to mark my account with this discrepancy, find the missing payment, and notify me when the update is made. As of XX/XX/year>, that hasn't happened. 

On XX/XX/year>, my checking account was debited {$650.00} for the pre-scheduled loan payment that I set up in XX/XX/year>. I did not receive a confirmation email from Mohela for this payment, and my loan balance is not reflecting this payment. I am continuing to accrue interest on my principal loan balance, as if I did not make {$1300.00} in loan payments. 

I am losing faith in the Department of Education 's ability to effectively process my student loan payments, and I am submitting a formal complaint to reflect this and demand accountability for tracking my ahead-of-schedule and on-time payments. This reflects poorly on our government when a citizen 's money is mishandled.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid Discover {$4300.00} to pay off a balance transfer offer that ended this same day. In my haste, I misread my statement that stated I in fact owed {$4300.00}, leaving {$81.00} to accrue interest beginning XX/XX/XXXX. I made another payment on XX/XX/XXXX in the amount of {$200.00} which should have satisfied this interest-bearing amount. I didn't notice the interest charged until my XXXX statement was available on XX/XX/XXXX. Being a holiday weekend, I waited to call Discover on XX/XX/XXXX. I spoke with XXXX for roughly 40 minutes, during which, she was unable to provide me with an explanation other than " that's how interest is charged. '' If you calculate the daily interest rate ( 0.1599 / 365 ), based on the number of days between XXXX ( 26 days ), the interest charge should have been roughly {$0.00}. After not addressing my concerns, XXXX transferred me to " someone else that can help you understand how to calculate interest. '' I was greeted by XXXX in the " Delaware Center '' who identified herself as a supervisor. She asked how she should help, but the previous representative had not transferred over any notes or my concerns, so I had to explain myself again to XXXX. XXXX proceeded to tell me that my billed statement was " incorrect '' and does not show the " average daily balance. '' However, when I challenged her on where the consumer could get this information outside of their physical billed statement, she said " you'd have to call in for that. '' Knowing I was getting nowhere with XXXX, I thanked her and called back to determine the amount currently bearing interest according the Discover 's " average daily balance '' which was told to me to be {$270.00} - a far cry from {$81.00}. This amount included a total interest amount of {$4.00}. I made a prompt payment in the amount of {$270.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Subject : Dispute of Unauthorized Disclosure of Personal Financial Information Pursuant to 15 U.S.C. 6802Dear, XXXX XXXX XXXX, I am writing to formally dispute the unauthorized disclosure and/or misuse of my personal financial information by your institution, which I believe constitutes a violation of 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ). Under this statute, financial institutions are prohibited from disclosing nonpublic personal information ( NPI ) about consumers to third parties without their explicit consent, except as permitted by law.It has come to my attention that [ describe the incidente.g., my financial information was disclosed to a third party without my consent or there was a breach in the safeguards protecting my personal data ].

This action appears to be a direct violation of the provisions set forth in 15 U.S.C. 6802, which mandates that financial institutions implement appropriate measures to protect the confidentiality and security of consumers nonpublic personal information and restrict the sharing of such information without the consumers express authorization.In light of the aforementioned violation, I respectfully demand the following : 1. A full and complete explanation regarding the circumstances under which my nonpublic personal information was disclosed or shared without my express consent. 2. A copy of any documentation related to your institutions practices concerning the collection, disclosure, and safeguarding of personal financial information, in compliance with 15 U.S.C. 6802. 3. Immediate action to remedy this violation, including but not limited to the removal of my personal information from any unauthorized third parties, and a confirmation that no further disclosures will occur without my written consent. 4. A written assurance that your institution has implemented corrective measures to ensure compliance with the privacy protections outlined in the Gramm-Leach-Bliley Act.Please be advised that, under the GLBA, I am entitled to the protection of my personal financial information and to receive clear documentation regarding how my data has been handled. Therefore, I request that you respond to this dispute no later than [ Insert a reasonable time frame, e.g., 30 days ] from the date of this letter. Failure to adequately address this dispute within the specified timeframe will compel me to consider further legal actions, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or pursuing any other appropriate legal remedies available under the law.This letter serves as an official notice of my dispute, and I expect a prompt and detailed response to the matters outlined herein. Should you require further information or clarification from me, kindly advise me in writing. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

I had a Pay Day Loan with XXXX Net Pay Day Advance on XXXX/XXXX/2013 which I had been paying regularly with the help of XXXX XXXX XXXX XXXX An accounting error occurred in the disbursement of funds which was immediately corrected and the automatic re-payment continued from there on until the account was paid in full. Payment was missed only for 60 days but was subsequently paid in full. In spite of the account already had been paid satisfactorily, they continue to keep the derogatory remarks in my credit report. The collection agency had agreed with XXXX XXXX XXXX XXXX that such entry will be deleted upon payment in full. It has been more than 3 years now since the account had be paid and they are still carrying the derogatory remarks in my credit report.
Product: Vehicle loan or lease

Santander admitted in a class act settlement to using predatory loan tactics and I was one of the people affected. Dealers were working with Santander to use an internal scoring system to qualify people for loans instead of using a fair system to show me all the different companies I could have used to get my first car financed. Due to the dealership inflating my income and Santander 's internal scoring system I was doomed from to beginning of my car loan. I have had 6 extensions and a repossession and almost 4 years later I have only paid of 25 % of my loan. When reading the qualifications to be included in the class action lawsuit on paper I had all the qualifications except the internal score in which Santander only knows. This is unfair due to the company being able to pick what accounts are eligible and which ones are not even if they should qualify due to the terms of the settlement agreement. I reached out to Santander on several occasions to get some type of relief but they said that because I didn't default on my loan I wasn't included. My car was repossessed and I paid half of it one week and the other half of it a week later so the days of delinquency rolled back when it was over 90 days but it just wasn't reported to the credit bureaus yet. I have requested my application that had my income information to see if it was altered by the dealer and they stated they didn't have that information and to reach out to the dealer and the dealer said that they didn't have that information and to reach out Santander because they should have it and now since the lawsuit has come up in which these were their faulty business practices and also the dealer who sold me my car is no longer there I am not sure what to do Over the last few weeks I have reached out to Santander Consumer USA at least 10 times. I spoke with the executive team there. It has been a run around with this company especially when I know for a fact the things in the settlement happened to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of inquiry XX/XX/20XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX MY STRAWMAN NAME READS : XXXX XXXX XXXX MY STRAWMAN ADDRESS READS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My First & Last MIDDLE name are as follows : : XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and ACCURATE information on my credit report per FCRA regulations 15 USC 1681a and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue, My First & Last name are as follows : XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. My current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX YOUR COMPANY IS SETTING ME UP FOR IDENTITY THEFT FRAUD PRIVATE AND PUBLIC FRAUD IF MY MAIL FROM YOUR COMPANY ENDS UP IN THE HANDS OF A SCAMMER XXXX WILL BE LIABLE AND I WILL SUE FOR NEGLEGANCE! DELETE ANY NAMES ADDRESSES ALIAS THATS NOT IN THIS LETTER THAT IS HOUSING ON YOUR PLATFORM! 
AFFIANT .XXXX XXXX XXXX. Beneficiary OF XXXX XXXX XXXX not the TRUSTEE UCC1-308 WITHOUT PREJUDICE
Product: Vehicle loan or lease

Credit Acceptance : Back when XXXX hit, I was in a difficult situation regarding making payments, I worked at a sandwich shop and those type of retail/food places were hit hardest regarding hours and pay. I called in, which I have plenty of times and they always end up giving me wrong information but i am sure its not notated, I mentioned hardships and they offered a program for XXXX. My understanding of the program when I spoke to a representative was that they would put my payments on hold until I got back on my feet or found a different job that could supply me with the total of my monthly payment. Fast forward to when I did end up getting a stable job with stable hours to pay for my car payment, they mentioned I was about XXXXXXXX XXXX PAST DUE. They did not inform me all the payments I missed would become past due payments. I now am XXXXXXXX XXXX past due because of XXXX, the only way I am keeping my car is paying XXXXXXXX XXXX more a month on top of my car payment to lessen the XXXX XXXX. I make payment plans instead of autopay just due to how I operate. I was told the other day by a representative I had a two day grace period to make my payment after the " payment plan '' pay by date. That was on the XXXX and I ended up getting paid on the XXXX. They added XXXX XXXX  onto my payoff amount recently due to the two day late payment. They request I pay my monthly payment ON top of another XXXXXXXX XXXX to create a new payment plan since the initial one created on the XXXX was broken due to me trusting the previous rep about the XXXX day grace period.I feel they took advantage of my misunderstanding regarding the covid plan put in place back in XXXX. Not to mention, my catalytic converter was stolen off my car back in XXXX and my own dealership couldn't help me with a new one because the dealership XXXX XXXX that I went through to get the car initially cause of my not-so-great credit score also ended up getting all the catalytic converters stolen from their own cars on the lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been participating in illegal credit reporting and We worked on and achieved obtaining a letter from one company, XXXXXXXX XXXX XXXX  who admitted, apologized, and sent us a letter stating this illegal, Wrongful, and damaging account is to Be Removed from the Credit reporting agencies ( Although we only Noticed it on the EXPERIAN credit report ). I uploaded Thier letter, emailed Experian, for the past three days regarding this account to be removed from my credit report and they have done nothing to FURTHER demonstrate Thier Participating Harmful And Damaging credit reporting and lowering my scores this month to over 31+ points. I want my Score restored asap, and I want them to remove XXXXXXXX XXXX XXXX from my credit report, since they even asked that it be quote, " Deleted off my credit reports & accounts '' Best regards, XXXX XXXX XXXX
Product: Consumer Loan

I *love* my new car - a 2015 Chevy Spark XXXX a fantastic value and wonderful service at the dealership. However, I *don't* love my GM Financial billing statement which does not readily and easily display pertinent auto loan. Nothing is " at a glance. '' The statement does not include 1 ) the interest rate ( it shows the monthly charge and what I PAY for interest - but not the APR ) ( 2 ) No structured " payoff '' amounts ( like credit card statements do : XXXX. " If you pay {$300.00} a month, this will be paid off in x months ; If you pay {$350.00}, it will be paid off in x months. '' I think these statements are deliberately misleading to the consumers and need to be revamped to resemble the newer credit card statements where everything is " out there '' for the consumer. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX filed an erroneous judgement for a paid tax lien with my local county clerk. There was never any tax lien. When I noticed this, I went through the process with XXXX to address the issue. They admitted it was a mistake, and fully vacated the lien. This process was completed around 4 months ago. I then took the steps with the XXXX reporting agencies to remove the item. After disputing the item with each, XXXX has removed the item, XXXX is in the process of removing it. <P/>Transunion, on the other hand, has 'investigated ' my dispute either 2 or 3 times and I just received a letter this week saying that it 's been 'verified ' and that they 're not removing it. I have sent them the official letter from XXXX showing that the lien in question was vacated each time that I disputed this item. <P/>Their barely-functional web portal now will not let me even see my report, and will not let me dispute the item again. I have spent over 15 hours trying to resolve this problem, all due to their ineptitude in their so-called sole stated purpose, which is to accurately report consumer credit information. <P/>
Per 2015 legislation, the reporting agency is required to have 'trained personnel ' handling disputes. On the multiple times i 've called Transunion about this, I am connected to a call center with a representative that barely speaks English, and is 100 % clueless as to what to do. They each tell me something different, and nothing gets resolved.
Product: Debt collection

I injured my foot and received medical care on XX/XX/2021 at the XXXXXXXX XXXX  XXXX XXXX XXXX. My insurance was provided at time of service, but not billed properly, so I received a bill a couple months later. I called the billing department and again provided my insurance information. They confirmed it was not billed properly, and assured me it was all taken care of. I assumed it was handled until pulling my credit for the first time yesterday and seeing 2 separate bills from the medical facility had been sold to a collection company. I was XXXX XXXX XXXX at the time, and fully insured under my father 's insurance ( as I am now ), and emergency services are covered under our policy. I am applying for a job and this is causing me problems for a bill that was handled incorrectly from the start.
Product: Debt collection

OnXX/XX/2021, I was notified by an alert on XXXX that a collection was placed on my credit report. GC Services was the collector. I was NEVER contacted by GC services about a debt nor did I receive a dunning letter from the collection agency. This is a violation as they did not give me the right to dispute this debt. This collection needs to be removed from my credit report immediately. The collection agency does not even have my address. This is not my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated by XXXX Equifax and XXXX. I sent a formal complaint of them reporting inaccurate and incomplete credit information on my report. Below is the information on my credit profile that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report published. I've decided to file a complaint with the FTC and the CFPB. Wenger v. TransUnion Corp., No 95-6445 ( C.D.Cal Nov. 14,1995 ), you may be liable for your willful non-compliance, Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be investigated, I respectfully request to be provided proof of these alleged items, the original application, contract, note or other instrument bearing my signature. Failing to do so, items must be deleted from report as soon as possible. Under federal law, the bureaus have 30 days to complete the investigation. Please be advised that the description of the procedure used to determine the accuracy of and completeness of the information is here by requested as well. Please provide the information within 15 days. The credit bureaus is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior and I was not. As the original creditor, only I can validate this debt and I did not validate this debt. Therefore the following accounts must be deleted from my report. 

Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX
Product: Debt collection

There was no option for this category so this complaint may be in the wrong debt collection sub category. This complaint is against Spring Oaks Capital LLC. They are attempting to collect a debt from me. I live in Florida. According to Title XXX111 Chapter 559.553. A consumer collection agency must be a licensed consumer collection agency who is also licensed in the state of Florida in order to collect a debt or attempt to collect a debt. Spring Oaks Capital is not licensed in the state of Florida as a consumer debt collection agency and therefore is attempting to collect an illegal debt. Since they ( Spring Oak Capital LLC are committing a crime this alleged debt they claim I owe is null and void. Companies can not legally profit from crimes they commit. I have filed a complaint with the Florida Attorney Generals office.
Product: Debt collection

Spring Oaks Capital calls everyday after business hours. I have now filed bankruptcy and they are still contacting me. You are in violation of federal laws. Stop contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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