23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Submitted standing payment instruction to Mohela XX/XX/XXXX to have all additional private student loan payments ( payments made in addition to the regularly occurring monthly payment due of principal/interest ) to be applied to principal balance only. Received written response from Mohela XX/XX/XXXX that they would honor this instruction and have any accrued interest that is paid as part of the additional payments, re-applied to principal within XXXX business days of payment. Additional {$3000.00} payment was made XX/XX/XXXX including approximately {$72.00} interest. This interest has yet to be re-applied to principal. Reached out to Mohela 3 times regarding this - XX/XX/XXXX response indicated the re-application would now take XXXX days ; XX/XX/XXXX response indicated would now take 45 days ; XX/XX/XXXX response indicated would now take XXXX business days. XXXX regular monthly payment was made since then ( XX/XX/XXXX ) in which the principal to interest ratio would not have been applied correctly since the XX/XX/XXXX additional payment was not applied solely to principal. Additional {$3000.00} payment has been made XX/XX/XXXX and has yet to have the approximately {$70.00} interest re-applied to principal. This cycle will continue where the principal to interest ratio of regular monthly payments will not be correctly applied, resulting in more interest being paid through the life of the loan than appropriate. The plan is to continue making additional principal only monthly payments over the next 2 years to have the loan paid off by the end of XXXX. At the current rate of re-application, significantly more interest will be paid by the time the loan is paid off and a refund check must be issued at that time. Lawyers will also be involved if the issue is not addressed immediately per written agreement from Mohela XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my cash app debit card number was used in various parts of the world most transactions declined, however one transaction for {$120.00} was successful in XXXX. I immediately contacted Cash App support that same day on XX/XX/XXXX. I was told it could take 45 days in to be on the lookout from customer service reaching out via email for more information. None of that has happened since, and I still have not received my money that the scammers stole from my account. I have contacted Cash App twice since then, today XX/XX/2022, being the latest and every time I reach out to customer service, they say it will take 45 more days and that I will receive an email and maybe I should double check my email next time. This application is fraudulent and does not protect users by any means.
Product: Debt collection

XXXX XXXX Acct number : XXXX live in that apartment for a year, when they just opened. I never miss any payment. My moving day was XX/XX/2021. I hire a moving company they have to provide they insurance to the managers of the apartment and get approved by them before coming to check they insurance. They approve them they come that day didnt do a good job they couldnt take the sectional sofa out of the apartment they scratch the wall of the door of my apartment. I call XXXX the maintenance guy of the building and manager to see the mover what they did and to call they insurance he said not to worry they covered they have they insurance but for me to contact they insurance as well because they started damaging my sofa. I started recording videos and taking pictures. Then XXXX call XXXX to ask to broke down my sofa that I bought XXXX  $ because is taking to long and not to disturb neighbors. They cut my sofa in the middle. Totally lost a brand new sectional sofa. After I move XXXX send me an email saying that I owe them XXXX $ for damages and late hours moving charging every min XXXX . I call her and I said that I dont owe them anything they have the mover insurance and she cut ask to cut my XXXX  $ sofa why will I have to pay XXXX $??? She said then they will put it on my credit! They call blowing my emails calls then on XXXX I see that they put on all 3 credit bureau. I call credit bureau Submit a dispute. They never remove it. Its hurting me so badly I cant not have any approval from any apartment because of that. My lease is almost up I cant got any apartment because they think I owe them rent thats they reposted which is not true my rent was XXXX XXXX I always pay my rent on time. Even where I live as we speak. I have proof that I never miss rent. I dont know where to go in XXXX my rent is up the townhouse Im renting as XXXX sold my landlord is very nice hes ready to give me a good review wherever I move to but I cant find any place because of that. Im hurt and XXXX XXXX I dont want to be a XXXX. Please help me to remove this on my credit. Im a hard working single woman. Please god is my witness I never owe them anything. XXXX XXXX  accordance with fair credit regarding act XXXX to those account has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C section 602 A section 2 : its also states a consumer reporting agency can not furnish a account without my instructions.
Product: Vehicle loan or lease

On XX/XX/2023, my car was in an accident on XX/XX/XXXX the car was deemed a total loss. XX/XX/2023, my insurance company submitted a ck for {$21000.00} then another ck for over XXXX to Bridgecrest. As of XX/XX/2023, my account shows a balance owed of {$26000.00} as Bridge crest reversed the transaction/money my insurance company paid to them. I also have GAP Insurance to cover the difference of my loan. According to GAP insurance it can take up to another 8 weeks for them to process the difference of what's owed on my loan. This is causing me not to be able to purchase another vehicle. GAP insurance advertises to purchase to have a peace of mind. I have not had any peace of mind. The loan holder Bridge crest also sends me letters threating to repo my car... A car I do not have, a car that has been totaled and my account reflects that. Bridge crest also is seeking me to continue to make monthly payments on a car that was deemed totaled almost 2 months ago. How can I save up a down payment to get a new car if I'm paying on a car I no longer own or can drive. I signed over the car to the insurance company. This process should only take 30-45 days ... As Bridge crest has been paid. The GAP insurance will pay off the difference, but Bridgerest is taking so long to correct my account, it makes the process even longer. I also want to despite to ensure nothing negative is put on my credit because this is not my fault.
Product: Debt collection

I received a notice of a debt against myself and a hospital from a law firm. My wife, who has POA for me called the law firm while I was out of state. They refused to speak to her. She called the hospital the debt claimed to be from. She was notified that there was no outstanding account. She called the agency they send debts to and was told they have no account for my either. They did some digging and found out the law firm bought a debt that was XXXX XXXX XXXX from my deceased wife, attached a civil court case number and my name to it, and sent me a threatening letter saying I was being sued.
Product: Credit card or prepaid card

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Chase has allowed someone to fraudulently use my information in applying for a credit card. I have contacted them numerous times and have had the cards and applications shut down, however the hard inquiries are still on my credit report.
Product: Money transfer, virtual currency, or money service

Trying to have Capital One transfer my IRA to XXXX Original Request was XX/XX/21 Second Request was XX/XX/21 Still no transfer
Product: Credit reporting, credit repair services, or other personal consumer reports

I brought my car to a dealership to get fix and used my XXXX  XXXX XXXX..The dealership did not fix my car and the problem that I paid for is still not fix to this day..I disputed the charge with all the evidence of this evidence of the problem they were suppose to fix that they didn't ( they were suppose to fix a leak from a convertible car I have and the water was still coming in at the Same place they were suppose to fix ) I even had a license mechanic write a letter stating he seen the water too..I went back and forth with the dispute with XXXX XXXX stating I was not going to pay for something that they didn't fix. ( they wanted me to spend XXXX dollars to go get a water test for more proof ) I said the dealer ship that did the work on the car already did that and stating that is how they find were the water is coming in and fix it so why would i have to put more money out.I sent them again letters from my mechanic etc..The last time I talk to XXXX XXXX I told them I had papers for court and ( I still have the court papers ) and I would take them to court and that was the last time I heard from them and my credit card was showing that I owed XXXX balance..So life went on and I got no bill from capital one..then all of a sudden almost a year goes by and they put that I owe them fee 's that I didn't pay from that car issue and late charges..which i never got a bill..I got a paper in XX/XX/XXXX showing again I owe nothing..Now capital one ruined my credit and I want this off my credit report..Still to this day being XX/XX/XXXX I still didn't get a bill from them..
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX and TransUnion will investigate this account for me to ensure accuracy. Here is the personal information I am asking you to correct because it is inaccurate and incorrect : NAME : XXXX XXXX XXXX ; XXXX XXXX [ XXXX ] DATE OF BIRTH : XXXX  PREVIOUS ADDRESSES ( ES ) : XXXX XXXX XXXX XXXX TX, XXXX [ Transunion ] ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ Transunion ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ XXXX ] ; XXXX XXXX XXXX XXXX XXXX, TX XXXX [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX [ XXXX ] ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ XXXX ] EMPLOYERS : XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  US DEPT OF EDUCATION XXXX XXXX XXXX In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an + open-end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

My address is XXXX XXXX XXXX XXXX IL XXXX. All other addresses should be deleted because they are connected to fraudulent activity XXXX XXXX XXXXXXXX. 

Please delete XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX People use these addresses to commit identity theft in my name.
Product: Credit reporting or other personal consumer reports

I need your assistance in regards to these accounts because of these accounts that I have been feeling unwell as these are being reported inaccurately on my credit report. I am really disappointed because this is happening on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong inquiry from Fairway mortgage. I did not apply for any mortgage with this company. please remove from my credit report
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice of violations of multiple federal and state laws These violations include, but are not limited to, the following : FEDERAL VIOLATIONS-. XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 6801-6809 : Failure to safeguard my nonpublic personal information ( NPI ) as required under the Privacy and Safeguards Rules.Unauthorized disclosure of NPI to third parties without my consent. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : your agents or third-party debt collectors engaged in deceptive or abusive practices during the repossession process, including unauthorized access to or disclosure of my financial information. Fair Credit Reporting Act ( FCRA ) 15 U.S.C.

1681 : Improper access to or reporting of my credit information Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5481 et seq. : Engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ) by mishandling my information or failing to adhere to legal repossession practices. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demands and Notice of Legal Action-To resolve this matter and avoid escalation, I formallydemand the following : Remove this account from my credit profile. This letter serves as formal notice of intent to pursue all available remedies under applicable law. I urge you to treat this matter with the seriousness it deserves. 

Sincerely, XXXX XXXX
Product: Mortgage

I have been working with Specialized Loan Services to modify my mortgage and and help me save my home, they sent me a congratulations letter saying my modification was approved for 480 months at {$900.00}. This program is not helping me it's stealing, simple math says this practice is preditory and saying no w the escrow payment on {$6000.00} will be {$360.00} a month for 5 years. Which is {$21000.00}. And the loan balance is {$110000.00}. 
Seems this is more than preditory if they are trying to help people save their homes. 
Seems I would be paying 5xs the current balance how is that helping people??
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was merged with someone with the same birthday, including year. She tried to buy a car and my car loan showed up in her credit report. She was able to freeze my transunion credit and I came multiple times even sent a certified letter with proper identification, including passport, birth certificate and driver 's license. My transunion credit is now unfrozen but the report is not accurate and I still get this other persons name to pop up when I apply for things. I don't want to call back again, they are not helpful they don't understand and they don't fix the problem. I am young and would like to buy a house with my significant other and this is delaying that! I want it fixed and transunion to be accountable for their error! My experience credit is accurate.
Product: Debt collection

On XX/XX/XXXX A Debt Validation LetteXXXX was sent to prove that this debt is owed to me. This is very damaging to my credit as I try to apply for my first home. A Debt Validation letter was sent on XX/XX/XXXX as of today XX/XX/XXXX this debt has not been proven to be owed by me. This company has not replied to the verification letter of this debt.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2023, I sent a request of proof of that company never respond. Its been more than 30 days no response.
Product: Consumer Loan

Wells Fargo Dealer ServicesXXXX XXXX XXXX, CA XXXXAccount number : XXXXI rescinded the car loan according to TILA Regulation Z. 
I have not received my payments back. 
I have received the title although this is because the final payment was paid early with rescission notice following days later. 
20 days had passed with no notice of any objection to the courts about my rescinding the loan hence the bank has waived their opportunity to dispute their responsibilities under Regulation Z. 

They must return to me All payments and fees. 
I would prefer that they would send the value in XXXX to the following address:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been accounts opened under my identity that I did not allow nor request. I am unaware of any of these accounts with XXXX XXXX XXXX on XX/XX/2021 with Experian. I have been a victim of identity theft. The FTC is already beginning an investigation.
Product: Credit card

I opened and financed a major transaction with Lowes via Synchrony bank. 
The terms and conditions initially called for 18 months of no interest. 
The bank changed the terms and instead assessed compounded interest charge of over {$500.00} to the account on the XX/XX/2024 statement. 
I am requesting that the company, in good faith, reverse the compounded interest fee. I will in turn then pay off the rest of my balance and proceed to terminate my relatioship with this institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance the Fair Credit reporting act Navy federal account # XXXX, and account # XXXX has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy ; 15 USC 1681 Section 604 A section 2 : it also states the consumer reporting agency can not furnish an account without my written instructions ; 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion just sent me thing that says XXXX XXXX is all good now but doesnt reflect on my credit reports that way
Product: Debt collection

In XX/XX/XXXX of XX/XX/XXXX i purchased a rainbow vaccum cleaner and was financed through XXXX XXXX. I was approved for a 3 month deferment on payments and signed the contract in my home on XX/XX/XXXX a payment to XXXX credit was withdrawn from my account. When i contacted the company and informed them of this they stated that they had received a verbal authorization for the terms of the contract from my husband approving the first payment. When i requested proof of this phone recording i was denied. I was also denied when i requested a refund of the funds they took from my account. I requested that the vaccum be picked up from my home. If the terms of the contract i agreed to would not be followed i did not wish to keep the item. I was told okay by one of their representatives and the call was ended. A month later i began receiving harassing phone calls from someone identifying themselves only as a representative of the department of collections. Only after repeated pressuring was i able to find out they were calling from castle credit. I was threatened with lawsuits and wage garnishments if i did not pay on the vacuum i informed the representative that i had spoken to someone else previously and requested the vacuum be picked up and returned i was informed that could not be done and i would have to pay or risk legal consequences and a negative mark on my credit report. I offered to return the vacuum at my own cost. I was again denied. I had to pay for a stop payment on my bank account as they told me they would continue to attempt to withdraw payments. I received multiple letters in the mail threatening me with legal action if i failed to pay. I would come home to messages on my answering machine even though i repeatedly requested they not contact me. Today after they have written the debt off on my credit report I received a call from them and they requested i verify my information with the last four of my social and my address i refused to give out this information and terminated the call. A minute later they called back again. Then they contacted my husbands employer and informed his employer they were calling in reference to the debt. I know they are allowed to contact people requesting information to reach us but they are not allowed to tell them its regarding a debt. 
I have had multiple friends inform me they were contacted and had messages left on their phone that castle credit was attempting to reach me regarding a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approx XX/XX/2021 my ONLY mortgage from TIAA Bank was transferred to XXXX XXXX XXXX. What was unusual was that for the first time in 14 years I was now being issued a brand new account number. I called TIAA to protest the reassignment of my account number and voiced my concern of credit concerns and how it registered with the credit bureaus. I was told its recognized by the credit bureaus and will see no significant changes..Its a bunch of XXXX that I was sold! 

I just checked my XX/XX/XXXX credit report as I do each month from all 3 bureaus. XXXX shows : 1 mortgage account was closed ... This will remain on your account for 10 years ... 
XXXX  details for my score this month shows : : On your previous report you had 1 open mortgage accountnow you have 0, which usually means you closed a mortgage account. This could hurt or harm your credit score. Your total number of open mortgage accounts has decreased by XXXX. ... ..

Well obviously so! My credit score has dropped by 20 points! My score has fluctuated by 2-3 points each month for years. The only other factor was a balance increase of {$1500.00} on 1 cc, commonplace and in the past has led to my score dropping by only a few points.

Credit bureau tips always suggest not to close accounts. More importantly the TIAA rep ****NEVER ADVISED ME THAT THE ACCOUNT WOULD SHOW AS CLOSED. ALSO TIAA PAPERWORK NOTICE STATED THAT THEY WERE TRANSFERRING THE LOAN, NOT CLOSING THE ACCOUNT. THIS WAS MISLEADING AND WILLFULLY LIEING TO THE CLIENTS**** What action is going to be taken by the irresponsibility and negligence of this action by these mortgage companies and practices??? This is not a rhetorical question. WHAT ACTION WILL BE TAKEN? 

By selling off loans, lending companies raise money so they can lend to more prospective buyers. Meanwhile, TIAA and XXXX  have negatively affected my credit! A bunch of liars!!! 

I am livid, angry and frustrated. I hope you take this SERIOUSLY. Ty.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The XXXX  and XXXXl health is under attack by the XXXX of this companies ' actions. They harass me and my XXXX by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.