23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Dear sir or madam : I am writing you to complain and ask for your assistance regarding my current student loan servicer : Mohela. My federal student loans have been serviced by Mohela since approximately XX/XX/XXXX. I have renewed my application for IBR every year and on time. I have made every payment on time. I am a federal employee and I will be seeking Public Service Loan Forgiveness after 10 years XXXX/120 on-time payments. 

This year, I did not receive my taxes back from my accountant until XXXX/XXXX/XXXX. Mohela posted a link on my account 's webpage stating that I would have to renew my IBR plan before it expired and that to do so in a timely fashion, I would have to submit the documents by XXXX/XXXX/XXXX. Thinking that I would have to submit my taxes by upload to Mohela like previous years, I went to do so on XXXX/XXXX/XXXX. The link on my account was broken. I sent Mohela an email on XXXX/XXXX/XXXX, after waiting to see if the link was fixed. Mohela replied to me on XXXX/XXXX/XXXX, that I would be unable to submit my documents like I had done for the last 3 years and would need to do so through studentloans.gov. This website requires me to get a PIN and identity verification that can take from 1-3 days. ( I would also like to point out that the link still remains on my Mohela account profile stating to " click to renew my IBR plan since it is expiring '', but that the link redirects back to my " account home '' and does NOT provide any information about how to actually renew my IBR. I *only* found out how to do so by calling them today XXXX/XXXX/XXXX. ) While I am totally comfortable with submitting my current taxes through XXXX, I am complaining because AT NO TIME did Mohela inform me that I would have to submit my renewal in a different manner that would require me to wait an additional 1-3 days. Today is already XXXX/XXXX/XXXX. My concern is that because of Mohela 's failure to inform me about the new manner of renewing my plan, I will be very close to the XXXX/XXXX/XXXX deadline to renew my student loans. I keep track of all of my finances, including my student loans, like a hawk. This is cutting it too close for me and I fear that due to some unforeseen circumstance I will be unable to submit the documents by the deadline. 

I have had problems with Mohela before including their failure to notify customers of any changes or differences in their loan or their repayment renewal process. I had previously called Mohela in XXXX just to check on my loans and they told m that I would not have to submit the renewal paperwork until XX/XX/XXXX. I only knew that I had to submit the renewal documents on XXXX/XXXX/XXXX because I am very vigilant about my loans and taxes. I do not trust Mohela to be fair regarding their loans and I suspect that these repeated instances of misinformation are to get students to " miss out '' on Income-driven repayment plans and/or Public Service Loan Forgiveness.
Product: Credit reporting 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 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. 
XXXX XXXX XXXX XXXX XXXX XXXX Opportunity Financial Account XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed an account by the name of " XXXX XXXX  '' that does not belong to me with TransUnion. TransUnion has continued to mark this account as verified without providing me with the proper verification of this debt. Which I have continue to asked for verification! they claim this debt is owed by me but is unable to show me proof! This account is showing up on my credit report as an open account but if it is an open account then why is it in collections with a past due balance of {$230.00}. This has lead me to believe TransUnion has completed an improper and unfair investigation which violates the FCRA. This account in reporting to my credit report fraudulently by TransUnion. This account is affecting my day to day life negatively and it needs to be removed.
Product: Credit card or prepaid card

Some charged various purchases to my card from various places and I filed a complaint with the company and they continually give me the run around and tell me my case is closed and will not refund my money even after filing a police report and sending it to them.
Product: Credit card or prepaid card

Discover initiated a verification process without my consent. The results were very disappointing stating that they could not verify me because I did not file any tax forms in the XX/XX/XXXX-XX/XX/XXXX year and wasn't required to do so. They decided to close my account because of this decision which is unacceptable and now they are ripping me off with an over {$2000.00} balance that they claim I still owe which I am disputing because it was hacked.
Product: Prepaid card

I have been charged twice multiple times and the Way2Go company is refusing to rectify the situation. All charges are shown as pending from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and all are double charges that keep consistently happening to my account. This is totaling to XXXX that I am missing of my XXXX money. I have spoken to multiple support agents that keep telling me that I just need to wait when I have been waiting for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an Adverse Account on Credit report file # XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. 
My Loan was to be paid by XXXX XXXX XXXX XXXX XXXX, XXXX Co XXXX.who never changed the mortgage holder after they were notified XXXX from XXXX XXXX to XXXX. My mortgage payments were made from my XXXX XXXX checking automatically bi weekly to XXXX XXXX. I have copies of bank statements verifying these payments. XXXX XXXX continued to pay XXXX XXXX in error by their own statements and had written to XXXX of their error and that it would be resolved. I was worried about my credit report because even though XXXX was notified of the error and said I would not be reported as late, they reported me to XXXX as delinquent from XXXX XXXX to XXXX XXXX. As it turned my perfect credit was marred by this error, of which was not my failure to pay, but XXXX error and it was compounded by XXXX 's failure to cooperate with all my requests and correspondance from XXXX XXXX  They were keep in the loop during the entire 7 month period by voice, email and fax by myself and XXXX XXXX who had taken full responsibility.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$3900.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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

Account name : XXXX XXXX Account # XXXX. 
Account name : XXXX XXXX XXXX XXXX. Account # XXXX. 
Account Name : XXXX XXXX. Account # XXXX According to : 15 U.S.C 1861 section 602 A. States : i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it is also consumer reporting agency can not insrtuctions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any cons item of information. Any other adverse item of information, other than recordsof conviction more than seven years. 15 U.S.C. 1681 s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer person knows or has reasonsable cause to believe that the information
Product: Student loan

I was part of a repayment plan which I was paying XXXX dollars a month for my student loans with XXXX XXXX. Last year XX/XX/XXXX I lost my job so I fell shins on my loans I started working again in XX/XX/XXXX and XXXX I started to catch up and pay XXXX dollars twice a month to catch up on my loans. XX/XX/XXXX I was calling XXXX XXXX to set up 2 payments every month and the last time I spoke to someone was in XXXX and they told me that once I make these next two payments I would be current. After the 2 payments XXXX XXXX called me non stop 6 to 7 times a day when I called bck they told me I was behind on payments after I advised what I was told the last time they called they weee rude and not listening to anything Im saying. I sent letters out to XXXX XXXX advising that My family and I would no longer like any phone communication just mail communication. They continued to call and call and when i spoke to them on the phone they said I can call you as much as I want no respect at all. I started to send out letters trying to negotiate with XXXX XXXX I have a paper trail of that but they continue to call my aunt who is my co-signer but also my cousins and uncles they are really harassing me and my family. Please can you help me
Product: Debt collection

On previous attempts after asking to no longer be contacted they have left vm and called today as well and have continued to harass me after I asked to pick up The vehicle
Product: Credit card

I signed up for auto pay at the same time I scheduled a one time payment for XX/XX/2024. I did not realize they would take out two payments of {$59.00} on that date. Most credit card companies withdraw only one payment for the same amount on the same day. Two of the same exact amounts can not be withdrawn in the same day for payment. I couldn't find a way on their site to be sure that the one time payment wouldn't process along with the autopay so I couldn't cancel it. I called Ally credit card to have them refund the one amount back to my debit card. They were unwilling to, stating they could keep the payment for next month 's payment, or send me a paper check in the mail. I wanted neither, as I need my money refunded, especially since this shouldn't have happened to begin with. I finally told them to send me the check, however I'd be contacting the XXXX, but that site directed me to this CFPB.
Product: Money transfer, virtual currency, or money service

Around the time of XX/XX/XXXX-XX/XX/XXXX I had experience fraud or scam activity on my account which were mobile deposits of {$470.00} ( Honestly forgot the amount but I do know it was 4 something ). I called Wells Fargo to figure out where was the activity coming from and they said they would help figure out where it would be coming from. The accountants at the Wells Fargo brach asked if I shared my mobile banking info. My Answer was No I NEVER do that. I knew something was odd about it because no one ever sends me mobile deposits but my Uncle & when he does transfer me funds it says his name, implus he barely sent money to me around this time. When I saw the weird amounts pop up I automatically gave my bank a call. Ive had them for months & experiences horrible service from them, there would always be money talking out and much more. Just would like this situation resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, and XXXX ) consumer report, and I noticed that it is reporting an item without my permission. 


BRCLYSBANKDE XXXX # XXXX. 


I have not given you ( Barclays Bank DELAWARE ) permission to furnish this item on my consumer report, therefore I am requesting it be deleted immediately. Barclays Bank DELAWARE is also committing fraud by NOT DISCLOSING TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. This action has led me to uncover several violations by Barclays Bank DELAWARE. 

This item has 2 violations that I want to identify at this point - according to FCRA - Obligations with respect to disclosures, and Permissible purposes of consumer reports. 


Barclays Bank Delaware illegally report item without my consent and written approval. 

BRCLYSBANKDE XXXX # XXXX. 


List of violations ( this may increase as I review this account further ) : Barclays Bank DELAWARE is in clear violation of 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) Barclays Bank DELAWARE is in clear violation of 15 U.S. Code 1681b Barclays Bank DELAWARE is in clear violation of 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information You ( Barclays Bank DELAWARE ), DIDNT DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT-OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer right have been violated, and I have been taken advantage of. This is a fraudulent omission of my right. 


Barclays Bank DELAWARE is in clear violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Barclays Bank DELAWARE furnished this report without my written instruction permission. This is a clear violation and fraud. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 


Because of your illegal act and continued violation of my rights, I have been denied mortgage loans, personal and business loans, bank accounts, and credits by several banks for months. 


I am giving your 48 hours to CEASE and DESIST from reporting this account to all customer reporting agencies.

Failure to respond satisfactorily with the deletion of the above items will result in legal actions being taken against your company for which I also will be seeking {$1000.00} per violation for : 1. defamation of character 2. negligent non-compliance 3. civil liability 4. XXXX  XXXX 5. FCRA 15 USC 1681 violations for willful noncompliance -616. Civil liability for willful noncompliance [ 15 USC 1681n ]
Product: Credit reporting 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 XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXXccount XXXX Account Name : XXXX  Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Late Payment XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.
Product: Credit reporting or other personal consumer reports

I spoke with a representative over the phone to address this issue, she was reluctant to assist me. I would like to have unauthorized hard inquires to be removed from my XXXX credit report. These creditors didn't have permission to run my credit. I have now placed a lock on my credit report.
Product: Vehicle loan or lease

I had purchased the XXXX from Crown 's Finance in XXXX XXXX back in XXXX of 2022 with a loan of XXXX that I was to pay off in 4 years or so and I wasn't able to keep paying off the car so I asked the loan officer XXXX XXXX XXXX XXXX XXXX located in XXXX to come and get my car in XXXX I believe and ever since then I feel like XXXX XXXX is still trying to collect payment from me because I voluntarily gave up my car back in XXXX of 2022.
Product: Student loan

On XX/XX/2022 I had finally made contact with an online representative from EdFinancials. I had tried to reach them multiple days online through their chat option. Attached will be a shot of the conversation. They told me I would not get a confirmation email that I requested a refund. But that they will refund me XXXX dollars that I have made payments on since the COVID forbearance. I have since called them on the XXXX of XXXX because I had yet to receive an update. It took a very long time to reach anyone. After finally getting a call back they said they could see my request for refund but could not give me a confirmation or a timeframe. They said to check with the government guidelines.
Product: Debt collection

I am writing to report a scam that I believe I may have fallen victim to. On [ date ], I received a phone call from a person who claimed to be from TSI. The caller said that I had a debt on my XXXX reward card and that I needed to pay it immediately. The caller gave me their phone number, which is XXXX, and their TSI ID number, which is XXXX XXXX XXXX. 

I was suspicious of the call, so I decided to look up the TSI ID number online. I found a website that said that the number might not be the real TSI ID number for XXXX. I also found a website that said that there have been reports of people being scammed by people who claim to be from XXXX. 

I am concerned that I may have given my account number, bank name, and routing number to the scammer. I am worried that the scammer may use this information to steal money from my bank account.

I have already contacted my bank and placed a fraud alert on my credit report.

I am writing to you to ask for your help in investigating this scam. I would like to know if the TSI ID number that I was given is the real TSI ID number for XXXX. I would also like to know if there have been any other reports of this scam.

Thank you for your time and attention to this matter.
Product: Debt collection

I, am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course. i only participates in credit transactions for family, personal and household purposes 15 1692a. CKS FINANACIAL violated 15 U.S. Code 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Validation of the debt XXXX an XXXX XXXX pursuant to XXXX XXXX
Product: Credit card or prepaid card

I received my Amex Serve card prior to the COVID stimulus check was sent, and had not activated it. When I heard checks were going out soon, I attempted to activate the card and was subsequently locked out of my account " for security '' purposes. I kept being directed on their website to call their automated service to activate my card. Nowhere in the automated menus is an option to activate my card and I spent over 1.5 hours on hold trying to reach a human one evening. Now when I call they are simply rejecting new calls and hanging up. I have no way of accessing my account information without first activating the card, even though I have already set up an American Express Serve account and don't want to use the card. I just want to transfer my money to my actual bank account.
Product: Credit card

On XX/XX/2024 I received an email from Synchrony Bank that my Lowes Advantage credit card was now going charge a {$1.00} fee to my account for each paper billing statement sent to me starting in XXXX XXXX  To avoid this fee, I had to set up paperless statements. 
I called Synchrony bank to verify that this was true and not a scam email, and they confirmed that it was true. They did give me a paper statement accommodation so that I can continue to get paper statements without the fee, but what about everyone else??!! What about elderly that aren't good with computers or those people with unreliable internet? 

This is not fair to charge the consumer to get a paper statement! I don't feel that I have reliable email to get the notifications of estatements. So many of my emails are caught in the spam filter and put in the junk folder. I would not want to miss paying a bill because I didn't get the email prompt to pay the bill. Further, I hate to click on links in emails because I am worried about spams and fraud. Daily, I get so many emails that are clearly fraudulent wanting me to click on links etc trying to gain access to my computer or whatever. 

I am very hopeful that your agency is able to do something to stop credit card companies from trying to charge customers to get paper statements! The US postal service is far more reliable than internet! With the fees and interest that credit card companies charge for late or missed payments, forcing consumers to only get estatements or pay to get paper statements seems unfair! 

Thank you for your time in reading this.