23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have tried to pay my student loan payments to Mohela for 3 months now. My bank tells me that they never receive the XXXX check info from mohela. I have used this account multiple times to pay payments and receive money. Mohela told me that my bank account did not exist and that is the reason they could not process the payment.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX on XX/XX/2023 also TransUnion, XXXX, XXXX did not have my consent to report information on principals consumer report pursuant to 15 USC 1681 b ( a ) 2 Permissible purpose of consumer reports, and 15 USC 6802 ( b ) ( 1 ) ( b ) which they are in direct violation of my rights.
Product: Debt collection

Debt occurred from identity theft and the collection company didnt even verify and filed a lawsuit on me. 

Brock and Scott
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to note that XXXX XXXX has been harassing me within the last month. They have been excessively reporting derogatory information to the credit bureaus. 

Most companies have a reporting schedule in which they report monthly, but XXXX has reported 4 times to the credit bureaus between XX/XX/2022 and XX/XX/2022. This is less than a month 's period. I have attached proof. 

Attached is the record of times that XXXX has reported negative information to my credit bureau. This violates Fair Credit Reporting Act and this is a bullying tactic, in addition to the other tactics they use, to extort money out of citizens. 

XXXX has reported to my credit on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Please see the attached. 

Thank you. 
XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau Washington XXXX DC Subject : Improper Repossession Conduct by Wells Fargo Auto XXXX # XXXX Dear CFPB, I am submitting a complaint against Wells Fargo Auto for potential violations of fair lending and debt collection practices. 

My auto loan became delinquent due to a short-term hardship. Before any repossession activity, I attempted to make a partial payment, which was rejected without written explanation. I was not given a notice of default, a right to cure, or any formal notice of intent to repossessyet a repossession agent arrived at my residence in XX/XX/year>. 

This conduct reflects a disregard for required consumer protections and appears to violate the standards outlined in both state and federal law. I have submitted a written resolution proposal to Wells Fargo, including voluntary surrender and reinstatement options, but they have not acted in good faith. 

Please investigate this issue and hold Wells Fargo accountable. 

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

Im interested in my credit file being reviewed & solved. The current report that I have now is inaccurate, for the accounts that are listed on my report was used against my rights to give authority to open those accounts.
Product: Debt collection

XX/XX/2023 tried to settle a XXXX debt with an attorney XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX IA XXXX XXXX collecting for XXXX XXXX XXXX XXXX who was collecting for XXXX XXXX I am not working nor do i have savings, my husband offered an settlement on the account and they would not settle prior to a court date of XXXX my hardship is due to XXXX and we offered what we could reasonably afford. they are deliberately trying to sabotage my credit by refusing to negotiate in good faith. I pray you help me get them to accept a reasonable settlement offer on such a low amount owed.
Product: Vehicle loan or lease

Bridgecrest has repeatedly failed to provide accurate information when I have requested help with my auto loan with them. The stress, frustration, and sheer anger I have experienced with them is BEYOND comprehension. 

Yesterday, I called to ask about payment options and that I could only complete one months payment. The rep pretty much ignored what I say and kept insisting and asking me OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER 2-3 times my payment. I am aware my account is past due and have been very transparent about why I fell behind. 

She quickly rambled off numbers at the speed of sound got snappy when I told her she needed to repeat everything she said. I asked about modifications and payment plans but was told I have {$900.00} in insufficient fund fees. {$900.00}!?!?! I asked if she meant NSF and she said no. 

I was puzzled because she was not explaining things to me in a way I could understand. I have not used my 6 modifications allowed the life of the loan or 2 per year. She kept pressing me about making a large payment on the phone with her at that very moment. If I am calling to ask for an extension, etc, that OBVIOUSLY means I wouldnt be able to pay the entire past due balance. 

I previously had a rep ask me REPEATEDLY if my baby daddy could help me with my payment because she heard kids in the background. B**ch, what?! 

I have NEVER dealt with such rude, disrespectful, inconsiderate, poorly trained people in my life until XX/XX/2020 when I doomed my sanity by entering into a death contract with Bridgecrest.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an account from my credit report as reported by [ XXXX and Experian. This request is based on the recent deletion of an account by XXXX and XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-o from XXXX XXXX XXXX XXXX , listed on my Experian and XXXX report , and following a thorough investigation, XXXX and XXXX have completely removed this unveriable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX and XXXX have removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request.
Product: Vehicle loan or lease

I filed bankruptcy and made montly payment on my car. 10 days after I made a payment XX/XX/XXXX, they reposessed my car. After a lot of red tape and them being extremely unhelpful, I paid off the car on XX/XX/22. I had XXXX XXXX from VA to NC to pick up the car, I did so on XX/XX/22. A week later, I called in to find out when I would get the title. They stated that they sent it to the repo company and will request it back from them and send it to me. I never received it. I called multiple times and finally on XX/XX/XXXX they told me that they sent it out to me on XX/XX/XXXX. I waited and waited, no title came. On XX/XX/XXXX I called them telling them that I have received no title and that it was unacceptable that I had to wait this long. The Westlake  rep said she would take care of it. On XX/XX/22 I finally got an envelope from Westlake. It didnt have a title, but it had a document that had been notarized. I assumed I could take that to the DMV  for a title. I made an appointment with the Virginia DMV  for XX/XX/22. The piece of paper they sent me means nothing to the DMV. The piece of paper also had a phone number that the DMV could call. However, that phone number went straight to a dead line. The DMV informed me that Westlake put the title in their name on XX/XX/22 and got a copy of the title. The DMV needs the title signed over to me before they can do anything. When Westlake moved the title over it voided my cars registration. So now I have had an undrivable car for 2 months. I have called over 10 times trying to get this resolved. Most times they throw me into a hold loop where it eventually hangs up on me. This has now become a UDAAP violation, and with the way they have treated me, I am sure that I am not the only one.
Product: Credit card or prepaid card

On XX/XX/2021 at XXXX XXXX Eastern Standard Time, I confirmed an online payment from XXXX XXXX XXXX XXXX XXXX for my balance due of {$190.00} on my DiscoverCard. Payment was due on XX/XX/XXXX. I had already had automatic bill pay set up through my XXXXXXXX XXXX  account, but my assumption was that because I had paid online and subsequently received a confirmation code ( XXXX, see attached ) prior to the due date, that amount would not be deducted twice. 

Unfortunately that amount was deducted twice, once via online bill pay and once via automatic bill pay. To further exacerbate things, I was charged an overdraft fee of {$35.00} from XXXX XXXX due to having insufficient funds. 

Upon speaking to Discover through their online chat function on XX/XX/XXXX ( see attached ), I was notified that though they would make a note in my account that the amount would be credited back to my XXXX XXXX  account but they could not provide any confirmation code or email that conveyed this would happen, nor would they work with XXXX XXXX  regarding the overdraft fee. It was also confirmed that had I not realized the double charging, XXXX would not have notified me of this mistake. 

On XX/XX/XXXX, I was able to confirm the amount was indeed credited back to my XXXX XXXX account. I am now in the process of trying to get the overdraft fee ( {$35.00} ) that was imposed upon my account to be waived with no support from XXXX. 

Given we are in a global pandemic with millions suffering in this economy, it is outrageous that Discover Card has this " loophole '' in their payment process. I am sure there are guardrails in place to prevent this from happening to them, were the roles reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON ACCOUNTS THAT DONT BELONG TO ME, A CHAPTER XXXX FILING I DID NOT AUTHORIZE AND ACCOUNTS THAT SAY INCLUDED IN CHAPTER .A LETTER OF EXPLANATION IS ENCLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter missed her first payment to XXXX XXXX ( XX/XX/XXXX ). I found out and called XXXX XXXX in XX/XX/XXXX to handle this ( I cosigned ). The rep told me he sees it all the time, and I should just take over payments. He offered me a reduced interest rate as incentive, and I agreed. 

I made the first payment that night ( XX/XX/XXXX ) and continued over the next months as per the agreement. However, in XX/XX/XXXX I was told by XXXX XXXX that they rescinded the offer made in XX/XX/XXXX, and I was now several months late ( even though they were still taking payments directly from my account ). 

Within 2 days I paid XXXX they said was now due. In any case it was too late and they reported me as delinquent to XXXX XXXX. I wrote XXXX XXXX a letter explaining this, and they refused to remove the mark. 

They did call me between XX/XX/XXXX and XX/XX/XXXX, telling me I was late ( even though they were auto debiting the full amount from my account ). I'd call and explain the agreement, and they would apologize for the confusion, assuring me it was a system error or some such. 

I have email history from my XXXX XXXX account, which I can provide if necessary ( just need to make sure I'm not crossing legal lines in doing so ). I also have detailed notes about all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent these companies a certified letter, which highlighted federal laws in credit reporting. These companies are to not use 3rd party Data brokers to do their investigations for them. they are to have the original contract, or my signature to prove any debt is mine. If any debt, or information is incorrect it has to be removed. These companies are not following federal law in their investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

First I am submitting this complaint on my own without any outside assitance from any 3rd party companies. I mailed a dispute via USPS certified to Equifax, XXXX, and XXXX all delivered and signed for XX/XX/21 concerning inaccurate reporting on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the bankruptcy on my report, that does not belong to me. Someone with a similar name to mine filed bankruptcy in the US BKPT CT XXXX XXXX file on XX/XX/2015. I talked to Bankruptcy Court and  they are not providing any important information like address, social security number, date of birth. they do not give out any credit bureau any information relating to any bankruptcy cases at all. They said XXXX XXXX provided it to them. I reached to XXXX XXXX and provided them with my complete information and they do not have any record of me on file. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I demand this bankruptcy removed from my file.
Product: Credit card or prepaid card

Unauthorized charges arbitrarily and repeatedly have been made by the XXXX  company to my accounts. XX/XX/2018 is the most recent unauthorized charge. Affected accounts are listed below : XXXX XXXX Credit Card XX/XX/18. XXXX. N.Y. {$41.00} XXXX XXXX has indicated the charge will be removed and the XXXX company will be blocked from access to my account.

XXXX XXXX Credit Card XX/XX/18. XXXX. XXXX. N.Y. {$41.00} XXXX XXXX provided to my account in the amount of {$41.00}.

XXXX XXXX XXXX XXXX XXXX Checking Account XX/XX/18. XXXX. XXXX. N.Y. {$30.00} XX/XX/18. XXXX. XXXX. N.Y. {$50.00} XX/XX/18. XXXX. XXXX. N.Y. {$10.00} XX/XX/18. XXXX. XXXX. N.Y. {$30.00} XX/XX/18. XXXX. XXXX. N.Y. {$40.00} XX/XX/18. XXXX. XXXX. N.Y. {$60.00} XX/XX/18. XXXX. XXXX. N.Y. {$40.00} XX/XX/18. XXXX. XXXX. N.Y. {$40.00} XXXX XXXX XXXX XXXX XXXX resolved my dispute of these unauthorized charges by providing the appropriate credit for the charges and applicable interest.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3500.00}
Product: Credit reporting or other personal consumer reports

I saw that there were inaccurate accounts from my credit reports so please check the documents I've sent.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for its failure to maintain accurate credit reporting practices, which has resulted in improper credit accounts appearing on my credit report. Given that Equifax is currently facing legal action for its negligent handling of consumer credit information, I am deeply concerned that my credit profile has been negatively impacted due to similar misconduct. I have disputed this information directly with Equifax, but they have failed to properly investigate and correct the errors. This has negatively affected my credit score and financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputing on XX/XX/2021 Late payment {$29.00} I sent a goodwill letter to the company requesting that they remove or delete the late payment. In accordance with the fair credit reporting act 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 on purpose. 

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Product: Credit card

My BarclayCard XXXX XXXX MasterCard was shut down without notice around XXXX XXXX this year. I later received a letter about a week later indicating that a decision had been made to close my account. 

I did not engage in any sort of malicious or unethical behavior that led to this closure. However, I respect their authority to close at their discretion. 

My complaint lies in the fact that I had over XXXX Reward Miles accumulated on my account that was reset to XXXX upon the shutdown of the account. 

These points had already been earned legitimately and it is unfair to take these away as their value was in excess of {$1000.00} in travel rewards. Upon contacting Barclaycard 's customer service team, they indicated there was nothing they could do. So essentially Barclaycard is saying that it is completely within their right to take away any and all rewards points accumulated at any time they deem fit, which seems quite unethical and I am now out a significant amount of value for no just reason.
Product: Payday loan, title loan, personal loan, or advance loan

This lender did not disclose that the minimum monthly payment would NOT even keep up with finance charges. The minimum monthly payment was set too low, there was no up front explanation of this on my original loan docs and there is very little information contained within the monthly statement. The statement never shows where my monthly payment goes to, it doesn't state that my interest is actually accruing more every month because the monthly payment doesn't even cover the interest. 

Additionally, the loan started out as interest only, which I was not made aware of, and once I thew thousands of dollars at it one month, it still didn't help lower the principal.
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. 

XXXX XXXX 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 an account without 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 .And 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: Student loan

I was notified that payments were due, went to go in and pay them but was told my loans were in forbearance and there was no balance. At the same time I went to update my income based payment plan back in XXXX, but its been a while and it claims its still processing. In the mean time I cant seem to get any information from them as the phone lines are so blocked up. MOHELA is an absolute mess and its really frustrating trying to keep up with the changes they keep making.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> MOHELA XXXX XXXX XXXX XXXX, MO XXXX Subject : Formal Dispute of Student Loan Due to FERPA Violation and Unauthorized Third-Party Access Dear MOHELA Loan Servicing, I am writing to formally dispute the validity of my student loan ( XXXX ) due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. FERPA strictly prohibits the disclosure of student educational records without written consent, yet I have reason to believe that my personal and financial records were unlawfully accessed by unauthorized third parties, including XXXX XXXX and XXXX ( DOGE ) -related entities. 

Upon investigation, I have found that : XXXX. Unauthorized Third-Party Access : My personal and financial student records appear to have been improperly accessed, shared, or utilized by individuals and/or organizations with whom I did not consent to share my information. This includes entities affiliated with XXXX XXXX and DOGE. 


XXXX. Breach of Privacy Rights : I was never informed of, nor did I consent to, the release of my educational data to these third parties. This is a direct violation of FERPA regulations.

3. Compromised Loan Agreement : If my student loan was issued or influenced by parties who illegally obtained my educational data, then its legitimacy and enforceability are in serious question.

Requested Actions : In light of this FERPA violation and unauthorized third-party access, I demand the following immediate actions : A complete audit and review of my student loan records, including how my data was obtained and whether it was improperly shared. 

A written response within 30 days acknowledging my dispute and detailing the steps you will take to remedy this violation. 

If my records were accessed in violation of FERPA, I demand the immediate cancellation and discharge of my student loan ( XXXX ) as they were obtained under legally questionable circumstances. 


If this matter is not resolved promptly, I am prepared to escalate my complaint to the U.S. Department of Educations Family Policy Compliance Office ( FPCO ), file a formal legal complaint, and pursue further action against the involved parties. 

I expect a prompt and fair resolution to this issue. Please provide a written response by XX/XX/year>. You may contact me at XXXX or XXXX if you require further details. 

Sincerely, XXXX XXXX