23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I still ( as of XX/XX/2023 ) have not received a billing statement from Mohela for my federal student loan. I have called several times, starting in XXXX, to try to learn what my monthly loan amount will be. Each time I call I get a different answer. Because I was able to pay off quite a bit of my loan during the pause, my monthly payment should be less than it was before. Studentaid.gov estimates my payment at {$630.00}, and the latest estimate from Mohela is {$710.00} ( who knows why those amounts don't match up ). 

On XX/XX/XXXX, Mohela auto-debited me for {$1000.00} - my monthly amount due before the pause. When I called Mohela to complain, I was placed on administrative forbearance, which had the effect of increasing my interest rate by XXXX XXXX ( because it removed the autopay discount ). I should not have my interest rate increased because Mohela can't figure out my loan payment amount. 

On Monday, XX/XX/XXXX, the Department of Education announced that it would be directing Mohela to place borrowers who had received incorrect or late billing statements on forbearance with zero interest. I called Mohela to ask if I was being placed on this zero-interest forbearance, and the person I spoke with and their manager both had no knowledge of this DoE announcement or policy. I asked to be taken out of administrative forbearance ( restoring my auto-pay discount ) but will likely continue to be overcharged on my loan amount. Because my loan is accruing interest, I don't feel comfortable withholding payments until the problem is fixed, as that will increase the amount I pay over the life of the loan.

On my latest call with Mohela, the customer service representative I spoke with confirmed that I have not received a billing statement.
Product: Credit card

Capital One sent a pre-approved credit card mail notification to the an address I have never lived at ever and to address to a name that is not accurate for me. 
This letter could have started fraud and identity theft.
Product: Mortgage

I was reluctant to sign a loan modification really I was compelled to do when I didn't agree with any of it. I felt they've been dual tracking since I wasn't on the loan just the title I wouldn't have any rights once it went into foreclosure and I had to stay on top of it. 
I was in COVID-19 forbearance for 11 months I wanted to leave the forbearance period in XXXX ' and begin my regular payments XX/XX/XXXX ' although, didn't communicate it to the servicer until XX/XX/XXXX ', I had been waiting to hear from them with a loan modification to sign. They begin stressing me XX/XX/XXXX ' when they cut my initial approved 6 month forbearance period to 5 months therefore, on XX/XX/XXXX ' I decided to take my own action as how I wanted to come out of forbearance which was 10 months forbearance modifying the missed payments and giving them 3 of my regular payments to cover XXXX thru XX/XX/XXXX '. 
Nonetheless, it didn't matter they ignored what I said and told me to send the 3 payments then mentioned the loan modification as though they had it done in front of them. I didn't send them the 3 payments by certified check for 2 reasons. First I felt they were going to pay the latest of the payments missed keeping me in foreclosure status. Second I had to call back to ask if they would be able to sign XXXX Loan Servicing instead of Lakeview Loan Servicing because the signature on the certified check was non-negotiable, I was told they would just send them back to me either way and to deposit them back in my account. 
The loan modification should be just the amount of missed payments I would owe since insurance and tax escrow is in my regular monthly payments it would all be caught up paying the 15 months I owed the amount should have been {$19000.00}. The amount was {$48000.00} which goes as a loan to be paid by the maturity date. My principle went down although the 2 added together brings it to {$200000.00} when it was {$190000.00}. The interest rate went up a point from XXXX to XXXX saving me a whole {$120.00} a month giving them an extra more then {$1500.00} a month. They took all of my equity by adding more then {$13000.00} calling it now money they wouldn't work with what was best for me. 
I truly didn't know what to do before my 30 day deadline was up, I signed to rest assure I wasn't pushed into foreclosure. The whole thing is eating me alive with taking care if my mom age XXXX and XXXX large dogs foreclosure is/was not an option.
Product: Credit reporting or other personal consumer reports

My information was leaked in a data breach and there are incorrect late payments and charge offs on my account. Under 15 USC it states that governs accors to XXXX XXXX XXXX records and promotes accuracy, fairness, and the privacy of personal normation assembled by Credit Reporting. I ask that all of this incorrect information be removed.
Product: Debt collection

XXXX is claiming A debt of XXXX dollars .I 've called several times after I closed my account when contract was over to see why I owe the remaing amount and they could not give me proof or accurate documentation and had different stories. I don't owe them anything .I finished my contract with XXXX and then went into store and closed my account they told me I had a XXXX balance .I would like to jave this removed from my account. Account status is closed but won't remove it from credit report.Thank you
Product: Debt collection

Account was deleted XX/XX/XXXX in a dispute and they are still calling me being rude, using profanity language and calling. My job threatened to have police arrest me. And decreased my credit score by 23pts Creditor info. 
1. XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX 2. Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$170.00} High Balance {$170.00} Remarks Account information disputed by consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I was with CarMax for 5 years and have never been late. CarMax XXXX XXXX has refused to REMOVE AND stop reporting " LATES '' on my credit report. I have never been pass the grace period as u will see reflected, my payment was due on the XXXX monthly and needed to be reflected by the 10 day grace period. I was never notified of the alleged 2 late payments for my XXXX XXXX XXXX vehicle in XXXX and XX/XX/XXXX. As you will see they were paid on XXXX and XXXX which means they were paid on time. I am asking CarMax to remove the late entries, they are taking advantage of young adults wanting to purchase homes due to not having a financial relationship with them any longer. I pulled my credit report on XX/XX/XXXX, XXXX and XXXX reporting late twice in XXXX for XXXX. I will protect my credit at ALL costs. CarMax Customer Service @ XXXXwas extremely rude and stated " We are not going to remove anything ''. I am asking we resolved this conundrum for I am trying to better myself and CarMax is prohibiting. I do not want this to happen to anyone else. Shame on CarMax ... 

Taken Advantage of, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

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 ISC 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Open Date XX/XX/2018 Balance : {$500.00}
Product: Checking or savings account

On XX/XX/XXXX I requested my ACH authorization be revoked from XXXX XXXX ( Hatfield, Inc ). XXXX agreed and stated my account was unlinked and not to be charged but that repayment was still due. 

On XX/XX/XXXX XXXX charged my banked account via ACH for 5 {$10.00} transactions and one {$60.00} transaction. My account was never re-linked, and no new authorization was given. This mean they stored my information for months and used it to charge me almost 6 months later. 

I talked to XXXX who refunded {$50.00} but not the other {$60.00}, despite no authorization being given. I advised XXXX and provided the documentation from them that authorization was revoked, and they unliked my account on XX/XX/XXXX, yet they will not return the other {$60.00}.
Product: Credit card or prepaid card

On XXXX XXXX I made a payment to Bank of America credit card for XXXX however they took XXXX from my checking account. I immedately called the credit card company at XXXX I was told I would be refunded within 3-5 business days. As of this writing I still have not received my refund of XXXX. I have spoke to many managers daily and have been promised my money will be in my account the next day and no funds. I am tired of being lied to. They made me call my bank the other day to see if the money cleared in which it did just to hold me off. I am at my wits end I hope you can help me out.
Product: Debt collection

I have disputed the credit account multiple times and the account still remain on all XXXX of my credit profiles. I have also obtained a police report stating I was a victim of identity theft. I have asked for this account to be removed numerous amounts of times but to no avail. Please help me remove this inaccurate information from my credit file as it is affect my life as well as my family. I have medical insurance through my provider of 7 years and never visited this XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

In XXXX Bank of America told me I was approved for a XXXX XXXX XXXX loan with forgiveness. Every month up to XX/XX/XXXX I was sent emails that my loan was being reviewed by the XXXX and I would be notified when a decision was made, which was not true. In XX/XX/XXXX I was notified by Bank of America that there was some type of system error and I needed to redo my forgiveness application and put XXXX on it so it could be rejected by the XXXX and Bank of America would resubmit the corrected forgiveness application, ALL OF THAT WAS NOT TRUE!! Now fast forward to XX/XX/XXXX, I was called by a Bank of America XXXX and he indicated that the Bank of America XXXX XXXX from XXXX was mistaken and I needed to pay the loan back. In the beginning the Bank of America XXXX XXXX told me that I was NOT approved for the loan ( which was okay with me ) but then he called me back and said the XXXX decided to approve the loan and it would be forgiven. The Bank XXXX also admitted that Bank of America made several mistakes which were not of my doing. My response to him was if he misrepresented the bank, TAKE RESPONSIBILITY! 
I then called the XXXX and was told that Bank of America never entered my forgiveness application on the XXXX XXXX and instead, they entered it on their ( Bank of America ) XXXX, so they couldn't help me. The XXXX XXXX filed a complaint on my behalf with XXXX XXXX Bank of America 's client practices and gave me CFPB information and told me to file. 
As of XX/XX/XXXX I have gotten the run runaround, and misinformation from monthly emails and XXXX Bank of America staff members ( and still counting ). On XX/XX/XXXX after writing several email 's and letters the Bank XXXX that I had spoken with prior called. He told me he would call me back the next day with some help. I am still waiting!! 
This Bank has caused me an extremely amount of stress!!! Business was hard in XXXX due to the pandemic and it's even harder today and now threatening me with paying back a loan that should have never received is WRONG. I had to sell my business and reinvent myself. Bank of America has turned my life upside down. If you are a XXXX XXXX XXXX XXXX XXXX, this bank of not for you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent 2 letters to equifax dates are XX/XX/23 and XX/XX/23 and its has past the timeframe and no one has reach out on the results of the investigation or no updates related to my situation so the timeframe has pass i need some one to reach out and let me know what going on with the investigation letter
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.
Product: Money transfers

I hired a freelancer to make a website for me. I paid 50 % of the total price upfront so that they could begin the work. According to XXXX I am protected by PayPal from fraudulent " Sellers who provide services or digital and intangible goods. '' After multiple delays, the freelancer provided me with a terrible first draft of the website. 

XXXX I decided to terminate the business relationship and asked for a partial refund. The seller refused. I asked for PayPal to step in and assist me, they also refused to assist me and decided in favor of the seller. There is no appeal process available or a detailed explanation of how they reached their decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to Equifax, and on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from this Equifax. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

Sent out letters due to 15uc1681 and ask for only correct information to be reported thats due to the fair credit report. I sent letters out notarized provided my personal information so my life can go back to normal due to birth right.
Product: Mortgage

In XXXX of XXXX I was approved for a loan modification after exiting the XXXX special forbearance. With the assistance of the CFPB and VA mortgage helpline, Caliber offered a loan modification. Some of the terms of the modification were that Caliber would submit to the VA a request for a partial claim payment, and offer an interest rate of 4.375 %. Despite processing the loan modification, Caliber has continued to refuse to accept online payments, and " lost '' several checks I sent in as payment. I have previously documented these issues with the CFPB, yet Caliber continues to refuse to offer an efficient and modern way to pay my mortgage. 
In XX/XX/2022, servicing of my loan was transferred to XXXX. When the loan was transferred, Caliber failed to notify the new servicer of the partial claim payments, or any payments I had made on the mortgage, resulting in XXXX calculating an alleged debt of {$88000.00} as of this writing. I received a notice from a XXXX XXXX threatening foreclosure, despite the fact that I had requested XXXX and Caliber update the data regarding my mortgage in their respective systems. 
Caliber has a long history of improper communication and failing to process payments and other loan documents as shown by my previous complaints, and Caliber 's responses, or rather lack thereof. I am pleased that my mortgage is no longer being serviced by them, but this final mistake may cost me my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting public records opt out b/c of ID theft please remove from all records ASAP
Product: Credit card or prepaid card

I have reached out to XXXX Card services multiple times to find out why my card was changed without notice. 

In XXXX I disputed a charge the rep said I must get a new replacement card. I received a blue card instead of a black card so I called to inquiry and was told no changes go my account however my card wouldnt let work at XXXX or anywhere I called about 4 times and was finally told my card was demoted to a regular card and my elite status was changed due to {$2000.00} wasnt charged as of 1XXXXXXXX. 

Now why would XXXX not tell me this when I disputed the charge? Why was I allowed the Elite privileges all of XXXX if there a issue or some rule then XXXX should face notified me this is not right and truly unfair practices to change my account after I filed a dispute? 

I filed a complaint XXXX and was told 10 Days expect a resolution as of XX/XX/XXXX NOTHING FROM XXXX CARD SERVICES CASE # XXXX I have called several times and the reps states the case manager assigned has no updated notes just Nothing! I advised I will file on CFPB and they dont seem to care
Product: Mortgage

Our mortgage servicing was assumed by Shellpoint Mortgage Servicing earlier this year. Upon receiving a statement, there was an additional {$2400.00} owed that was never on our account from the previous servicer. Shellpoint state this is a bankruptcy attorney fee. We have not filed for bankruptcy since 2006. The servicer at that time was XXXX. When we filed, we reaffirmed our mortgage. XXXX agreed to forgive all legal fees involved.
Product: Credit card

Received call from Citi bank about account requested in XXXX Texas on XX/XX/year>. I do not reside in Texas and did not try and open account. Caller got upset when I mentioned that I would contact CFPB. and stated he could do that for me None of Information he wanted was given. Have XXXX previous cases with exat wording of caller that were fraud.
Product: Debt collection

I have been receiving a bill in the amount f {$60.00} from the XXXX. I have called this office several times to dispute the erroneous bill and was told it was a mistake and I owed nothing. However, it seems the XXXX office submitted the erroneous bill to a collection agency ; Transworld Systems Inc . 
I am receiving letters of collection from this group despite being told I owe nothing and it is a mistake. I am very concerned, frustrated and angry for the time I must now invest to protect my credit rating. Can you please assist with resolution? I have a voice mail transcription from XXXX supporting my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Financed a vehicle through Santander Consumer usa. the Loan was completely paid off in XX/XX/XXXX and account was closed..XXXX is reporting that the account was discharged in Bankruptcy. I did not file Bankruptcy and there is no Bankuptcy on my public record. This is the incorrect information that Experian is reporting. I spoke to Santander and they told me that they are not reporting that status to Experian. 
SANTANDER CONSUMER USA Account Name XXXX Account Number Auto Loan Account Type Individual Responsibility XX/XX/XXXX Date Opened Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$27000.00} Original Balance {$0.00} Highest Balance 84 Months Terms - Balance Updated - - Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX XXXX XXXX Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX.