23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, MOHELA placed an administrative forbearance on my account. I wished to make a complete monthly payment on time on XX/XX/XXXX, my monthly deadline, but since the forbearance changed my amount due to {$0.00} I did not make a payment because I want all of my payments to count toward my PSLF. It is my understanding from information I am able to find online ( not from MOHELA ) that payments made during a forbearance period do not count toward PSLF plans. 

On XX/XX/XXXX, I messaged MOHELA the folllowing : Hello- I logged in to make my payment and I see a " processing forbearance '' has been placed on my account. Why did this happen? Do the months I am on forbearance count toward PSLF? Do I accrue interest against the loan balance during this time? If I accrue interest during this time and/or these months I am on forbearance do not qualify for PSLF, then I would like to request the forbearance be removed immediately so that I can stay on track with my monthly payments. Thank you for your assistance, XXXX I messaged since due to my job hours I am unable to call customer service during their main operating hours. They messaged me back on XX/XX/XXXX providing no information in regard to my questions asking me to call Customer Service. Despite the difficulties in making the calls during their business hours, I tried to do so but was never able to get ahold of an agent after being placed on very long holds and having to hang up to go back to work. 

In the meantime, a second month has now passed during which I could not make progress toward my PSLF. This is not fair as I was fully prepared to make complete payments on time and did not ask for, and clearly objected, to being placed on forbearance. 

I would like the administrative forbearance to be removed immediately, to return to my IDR plan as structured prior to forbearance, and to keep making payments that count toward my PSLF plan. 

Thank you for your assistance, XXXX
Product: Money transfer, virtual currency, or money service

Unaware if I send money on Zelle I can not get it back if it goes to the wrong person
Product: Credit card

On or around XX/XX/year>, I called JP Morgan Chase to close my XXXX XXXXXXXX XXXX XXXX ending in XXXX. I went through an extended phone call and denied all offers that were provided to me. Several months later, on XX/XX/XXXX, I received a notification of a charge on the credit card. I did not understand as the card should have been closed. I opened the Chase app. I had the app because I had opened an XXXX XXXX ending in XXXX with JP Morgan Chase as a replacement for the XXXX card. Upon opening the app, I saw that I was charged with the annual fee for the XXXX card ending in XXXX that should have been closed months prior. I called the support line and they could not explain why the card had been left open without my consent. Also, they found the call record and the agent had fraudulently noted that I had accepted one of the offers to keep it open. I asked the agent where my offer credit was if I had accepted it. They had offered a {$250.00} statement credit, which I declined. If this was a genuine mistake, the {$250.00} would have been credit to my account and it never was. I proceeded to request that both cards be immediately closed, and a refund be processed for the renewal fee. Ultimately, all of this happened but JP Morgan Chase should be under investigation for such dirty business dealings with their customers.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a series of high-interest internet loans with OppLoans, assuming since I was able to get them they were legal. I recently discovered that the loans are not legal in my state per the Virginia Fairness in Lending Act of XX/XX/2020. This loan violates the law due to : - a lack of company licensing in Virginia ( neither they nor their stated access partner, XXXX XXXX XXXX, is licensed )- an excessive loan amount ( XXXX XXXXXXXX the maximum allowed per law is {$2500.00} ) - excessive interest rate ( 160.87 % ; maximum allowed by law is 36 % ) The Fairness in Lending Act also states that any loan made in violation of the law is void. " Any loan made in violation of this section is void, and no person shall have the right to collect, receive, or retain any principal, interest, fees, or other charges in connection with the loan. '' I want the loans removed from my credit history since they were illegal. https : XXXX? XXXX XXXX : I took out a loan XX/XX/XXXX under the terms above. 
I took out another loan to pay that one off XX/XX/XXXX, also under the same terms. 
More loans taken out, each paying off the previous and having the same terms : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On XX/XX/XXXX, I reached out and asked for assistance with the overwhelming interest rate. No one responded. 
In XX/XX/XXXX, I discovered the Fairness in Lending Act ofXX/XX/2020, which made the loans all illegal and unenforceable. I called OppLoans to inform them, but they did not agree to help me. 
On XX/XX/XXXX, I sent them a " cease and desist '' letter. 
The responded on XX/XX/XXXX, but again disagreed. 
On XX/XX/XXXX, I filed a XXXX complaint. They responded, unwilling to help, on XXXX XXXX and again on the XXXX. Today, XX/XX/XXXX, I am filing complaints with the FTC and CFPB. I plan to follow up with my state 's Attorney General next week.
Product: Credit card or prepaid card

I was pleased to received the CFPB " Issue spotlight examines high fees that chip away at public benefits '' today. 

The State of California issued tax rebates via a prepaid card issued by Money Network Financial , LLC, owned by Fiserv. On XX/XX/XXXX around XXXXXXXX XXXX XXXX, I called the number on the card ( XXXX XXXX ) to get them to send me a check so I could avoid the fees they charge, but had an even bigger problem. I was greeted by a recorded message that said " we are having trouble recognizing your number please call back from another number. '' It then hung up on me. I was given no option to speak to someone and no menu of options for assistance. I called customer support at XXXX XXXX XXXX and was referred to the first number. There seems to be no way to contact the company. 

I called my state representative. They indicated other constituents had the same issue and they were exploring it. I tried calling Money Network again on XX/XX/XXXX around XXXXXXXX XXXX and got the same message. Of note, the number I was calling from each time was the same number used when filing my state tax forms, so there was no other number to call from that had a higher likelihood of being recognized. 

I recently received the 1099-misc form from the State of California for tax year 2022. It shows the {$700.00} sent to Fiserv intended for me, but lists me as the recipient, not Fiserv, even though 3 months later I still can not access the funds.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Mortgage

I filed a claim for water damage and was approved coverage by my insurance company. The insurance company released a check for additional supplement check for flooring and some additional damage that was not accounted for in the first check. I remitted the check in to my mortgage servicing company ; Loancare as I have in the past to endorse the check. This time, they sent the check back to me unendorsed and refuse to endorse it until after me and the other signees endorse it because they are going to put it in escrow and allow for only draws to happen. The problem with this is that because of how big the job actually is, contractors are requiring a large lump sum as a deposit before they even get started. I don't have the money to provide them. That is what my insurance came in and did. They approved the claim and are allowing for the work to be done, but my servicing company is putting a hold on everything and keeping us from moving forward to putting our house back together. I have reached out to Loancare again today, XX/XX/year> and was told by a supervisor ; XXXX ' that there was nothing he could do. I requested for a call above him and he stated that it would be another XXXX hours. I have been back and forth with them for a few weeks now. I am not behind on my mortgage, or have any other issues with the company. They are causing the issue by stopping the projects from getting completed.
Product: Debt collection

I am behind on my truck payment due to other issues. When I called them for payment arrangement they advised me of a deferment. When I check my account days went by and nothing ever changed. I messaged them they said due to Im going through XXXX XXXX XXXX I can not have a Deferment or any payment arrangement assistance. XXXX XXXX XXXX was for my credit card and has nothing to do with my truck payment so Im not sure why it is effecting assistance on that and why they never notified me that my request was denied.
Product: Credit reporting or other personal consumer reports

I am writing to address an ongoing and distressing issue concerning a fraudulent account that continues to plague my credit report. Despite my previous attempts to rectify this situation, this account persists, negatively impacting my financial well-being and personal reputation. 
The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
I want to emphasize that I did not open or authorize this account, and I have diligently reported it as fraudulent in the past. Despite my continued efforts, these erroneous accounts persist on my credit report. This situation has caused undue stress, harmed my financial standing, and affected my ability to secure essential financial services. 
I request that you take immediate and comprehensive action to investigate and resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Debt collection

HHgreg/SYNCB/SYNCHRONY : This was a debt that my ex-husband applied for in my name. With going through a tumultuous divorce, I didn't know anything about it until a few years ago when I tried to repair my credit then and offered them {$1100.00} and they said NO.. they wanted the full amount of {$1900.00} and threatend to hire and attorney and take me to court. Shortly after I lost my job, I was in a hardship from my divorce, not getting child support or alimony to help with bills.and then losing my job and my mom passing in 2014, I wasn't able to work for a year.

I would like to ask that this be forgiven and removed from my credit report being it is now with a third party collections as a Charge-Off, original debtor has already been paid. Please forgive. 

I'm now a single mom of XXXX young kids and have not received any notices from them and the matter has been charged off for some years now. This is hindering me from securing a home for me and my kids, lower insurance and just live a better life for my kids.
Product: Credit reporting or other personal consumer reports

according to the fair credit reporting act, there's creditor has violated my right on the 15 USC 1681 section 602 stage I have the right to privacy 15 USC 1681 section 604a section. Also states of consumer reporting agency can not furnish an account without my written instructions on the 15 USC 1666B accreditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet and my identity was stolen. My information was used for fraudulent inquires. They are all listed below. I would like these fraudulent inquires taken off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists XXXX accounts as a charge-offs, closed by credit grantor, with a balance owed, although debt was discharged via bankruptcy in XXXX 2014. Have contacted Consumer Reporting Agencies following instructions on their websites, XXXX via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. 

Requesting company to immediately report accounts correctly as discharged in bankruptcy, with no balance due, and recall monthly reports of charge-off for the period spanning XXXX 2014 to the present.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive your response to my previous claim against your company. See Attachtment documents, 2 other banks and XXXX  made a full investigation about my claims against their company and came to the conclusion that my identity has been compromise and fraud aplications were made under my name. These companies immidiately remove their inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

I have composed this complaint based on Collection Management furnishing information that is tarnishing my creditworthiness, emphasizing the necessity for both parties to operate in good faith. I have operated in good faith and will continue to do so. I expect Collection Management to demonstrate the same courtesy. Im going to take the time to educate Collection Management on consumer laws.

According to 15 USC 1681a ( f ), the term consumer reporting agency means any person who, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and who uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Did you catch the part about engaging in whole or in part? I sure did. By the federal definition I have kindly provided, Collection Management is a consumer reporting agency furnishing my consumer information to third parties, including XXXX, XXXX, and XXXX, which are also consumer reporting agencies. XXXX, XXXX, and XXXX are third parties due to the simple fact that they are separate entities from I the consumer and Collection Management.

Furthermore, since Collection Management is federally categorized as a credit reporting agency under 15 USC 1681a ( f ), my written instructions as the consumer must be followed without further delay. The written instructions of the consumer trump all forms of permissible purpose. Let me reiterate, I am invoking my rights under 15 USC 1681b ( a ) ( 2 ). I am giving clear instructions to Collection Management to delete its tradeline from my consumer report. Furthermore, now that I have educated Collection Management on its proper legal role as a consumer reporting agency under 15 USC 1681i ( a ) ( 1 ) ( a ), Collection Management has to launch an investigation into my dispute and disclose the results of the investigation no later than 30 days from receipt of this complaint. Failure to launch an investigation and follow my written instruction will be willful non-compliance under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), and under this provision, I am entitled to {$1000.00} per violation. Needless to say, Collection Management has racked up quite a few violations. I expect my written instructions to be followed immediately! I am fed up with Collection Managements actions that are directly affecting my reputation and creditworthiness. Let me remind Collection Management that we are communicating through a government agency website. Please keep in mind what I said earlier about operating in good faith.
Product: Debt collection

XXXX XXXX - Received Letter about debt from XXXX, XXXX, XXXX and XXXX XX/XX/2019 - Received Letter about debt from XXXX, XXXX, XXXX and XXXX about second debt XX/XX/2019 -responded with request for validations of debt to both letters XX/XX/XXXX - Received letter notifying me a lawsuit, case # XXXX had been filed. 

Left numerous messages for process server and attorney to meet them to receive the summons or have it sent certified mail. Told them I was not interested in dodging summons and wanted to know what it was about. 

Made additional request verbally for validation of debt because they never sent anything. 

Served with Summons on XX/XX/2019 As of XX/XX/2019 nothing had been sent in response to my letters. It was " in the mail '' they said.
Product: Debt collection

The ERC company ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX ) sent me a mail to collect a debt I didn't owe to XXXX XXXX XXXX company on XX/XX/2019. The amount due is {$180.00}. 
I or any of my family have never use any XXXX XXXX XXXX products. 
I sent a dispute mail to them on XX/XX/2019 and waiting for their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute Account XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; Collection XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, Account number : XXXX. Account name : XXXX XXXX, Account Number : XXXX. has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XX/XX/21 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 

XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have a car loan with Ally Financial. I have been makng the payments on the loan for the past 72 months. I am currently down to 2 more payments left of the loan, in which the monthly payments with Ally Financial are {$400.00} per month. I have on line access to my account with them, so most of my payments are paid thru the website in which I can also review previous payments, information about my vehicle and what is still owed on the vehicle, etc. I called them for a payoff on XX/XX/2020. Their representatives told me that my payoff would be {$3000.00}. My account shows that my total balance due on the loan is {$2100.00}. After being on the phone with 3 different representatives for extended periods of time, I could not get an explanation from any of the reps as to where they are getting their amount of {$3000.00} from. They also tried to tell me that they only received {$100.00} for my XX/XX/2020 payment when in fact it shows on my account that I paid {$300.00} on XX/XX/XXXX and the balance of {$100.00} on XX/XX/2020. I am currently on unemployment and retirement, and they know this. I have struggled in the past to make my payments on time or at least within the 10 day grace period so I have incurred some late fees which I do not have problem paying but they are adding additional fees on my balance to pay this loan off. They are also not adding in payments to my balance owed that have been made to them. I have dealt with this situation on several occasions in the past but just paid what the rep said I owed because I was tired of arguing with them and them taking up hours of my time on the phone. I have supporting documents if needed