23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX - I recertified my income and then learned that my recert deadline was extended and that Mohela would return me to my prior payment amount. XX/XX/XXXX - I received a billing statement for my XXXX payment, due XX/XX/XXXX. XX/XX/XXXX - I received a notification that Mohela placed my account into processing forbearance XXXX. I did not request or approve this. XX/XX/XXXX - I called Mohela and was informed that XXXX would not count toward PSLF unless the forbearance was removed and so I asked for them to remove it. I told was it would take up to 87 days to remove the forbearance. Despite all of this my loan status was repayment up until today. There is no XXXX payment due. I submitted a pslf form in XXXX and as of today XX/XX/XXXX is also still showing as ineligible. XXXX will be my XXXX month of employment that qualifies for pslf. I can not leave my job in XXXX as planned because of this issue, which is causing an incredible amount of financial strain. 

These shenanigans are making it impossible for me to leave public interest. Regardless of whatever is going on internally at Mohela, XXXX will be my XXXX payment, and I need to be able to leave my job and soon as possible after that. I have made financial decisions based on this timeline and this is jeopardizing everything I have worked for for 10 years. 

I need FSA and/or Mohela to confirm in writing that XX/XX/XXXX and XX/XX/XXXX will count towards my PSLF XXXX. I can not move on with my life without this. I can not afford, literally or figuratively, to wait and see what happens in XXXX when supposedly everything will be magically fixed and it is completely unacceptable to put people in this position.
Product: Vehicle loan or lease

Hi, I have a problem with returning my car to Tesla. 

On XX/XX/2022, I returned my leased car Tesla XXXX XXXX back to the dealership. On the pre-inspection, I've got a recommendation to change my rear tires since they were used. Before returning the car on XX/XX/2022, I changed my old tires to new ones. 

After a few days, I received an invoice where Tesla wanted to charge me for the old tires. 
I told them that I changed them to new ones. They send me photos of absolutely different cars ( I understood that because in the picture all tires were XXXX ). But I changed them to XXXX with the same characteristics as XXXX. 

After I attached to email the recipe from the tire shop and tell them that they are cheating with evidence. They stopped replying to my emails and I don't have any updates. 

Please, feel free to ask me any questions.
Product: Credit reporting

I did not received the proper information on the validity of this debt. I am now requesting additional information for the debt to be disputed.
Product: Debt collection

I received a paperwork from the US NY Marshall for garnishment of my check in late XXXX. The paperwork states that I owe a debt to XX/XX/XXXX. I contacted the number on the paperwork and was informed to go to the police station to file a fraud report. I was advised that they are not filing reports since there is no party to file against base off my paperwork. I paid the agreed amount back in XX/XX/XX/XX/XXXX This information reflects on my XX/XX/XXXXcredit report and XX/XX/XXXX reporting. My report this morning reflects zero accounts in collections. I have an email from XX/XX/XXXX that I paid off a collection account with XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I incurred a medical bill due to the deductible being owed, which I do not dispute. Prior to the XXXX, I was contacted about paying the deductible, which I did not have in full at the time so I paid {$500.00} of an approximate {$3900.00} deductible. After the completion of the procedure, I received the invoice for the balance and immediately contact the hospital billing department to make payment arrangements. Of an approximate {$3400.00} bill, I agreed to pay {$250.00} per month until the bill was satisfied. I made approximately XXXX payments of {$250.00} when suddenly I got a collections notice from a debt collector. I immediately contacted the debt collector, and expressed my disappointment that the bill had gone to collections, especially since I had been making the substantial {$250.00} per month payments. Nevertheless, I assumed responsiblity for the bill, and agreed to a payment plan of {$200.00} per month until the debt was satisfied in full, or of which time I was able to take advantage of a reduced offer of settlement. After XXXX payments, I happened to check my credit report, and noticed this account was reported as delinquent, and it had negatively affected my credit to the tune of almost XXXX points. I was never notified either by the hospital ( the debt owner ) nor the collections agency, that my credit might be negatively affected. And, since I had been make regular substantial payments on a debt that would have been satisfied within a year, it never even occurred to me that that might be the case. I was never late with any payments. I never disputed the debt, and did assume responsibility, and had been making regular substantial payments. Since, I was never informed that my credit might be adversly affected even in the wake of making substantial and regular payments, I feel I was deceived by the collection agency, as well as, the hospital that was the original owner of the debt. In fact, on several phone calls, I even brought attention to the fact of my desire not to have this situation negatively affect my credit rating. At no time, was I informed that this was even a possibility and was completely taken by surprise at the negative impact this debt had take on me personally. I feel the hospital and collection agency acted in bad faith, in accepting a payment plan that would have eliminated the debt in realistic time, but never advising me that payment plan would still result in a negative report on my credit. Otherwise, I would have paid much less per month as would have been less of a burden to me. However, in an effort to satisfy the debt as quickly as possible, and not be negatively affected in my credit report, I made payments in much larger amounts than was comfortable for my family and our monthly expense ratio.
Product: Checking or savings account

I took my daughter to a XXXX on the XXXX. I pulled money out from an atm at the carnival in the amount of XXXX XXXX Around midnight I received a charge on my Chime XXXX card in the amount of XXXX $ From XXXX XXXX. I did not authorize that payment nor have I ever made a payment to that Florida company in my entire life. I immediately contacted chime and they informed me that they automatically turned my card off because after that XXXX  payment they tried to purchase more things. So a couple days later after the transaction finally posted to my account I called chime and they told me that their dispute department would not return the funds to my account because I received my XXXX XXXX pay earlier that day of the XXXX of XXXX. Since my pay hit my account the day before the dispute department concluded that I was expecting that payment to be made. I reiterated to them that Ive never made a payment to that XXXX company and I even had a representative from XXXX on the line who vouched that I've never made a payment nor do I even have an account with XXXX. Like I said their own fraud department said they cut the card off as soon as they saw that charge so again I am not understanding why they won't credit me back funds that I lost Fraudulently
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed the following information are in error : 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 With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. Please delete the above addresses and names from my report immediately.
Product: Bank account or service

I have XXXX daughters that have checking accounts with my same bank. I opened up these accounts for them, so my wife and I were on their accounts. Back in XXXX 2015, my XXXX daughter put her account into the negative. The bank informed me that I was also liable for the negative balance. I thought that when my daughter turned XXXX, we would be taken off from the account as primaries. Considering the circumstances, I paid the negative balance and removed myself and my wife off of the account. Also, just in case I removed us from my XXXX daughter 's account. Now, we go to XXXX XXXX and I find out my XXXX went into the negative. The bank called me to inform me and apparently my wife and I never were removed from either XXXX of the XXXX daugther 's accounts. So, I have talked to XXXX different people from XXXX different departments and they all say there is no proof that I wanted to remove us from the accounts. So, I am liable to pay the negative balance once again.
Product: Credit card

I am going through financial hardship, long-term due to Reduction in income and increase expenses. I reached out to many credit card companies offered assistance and long-term payoff programs by lowering interest rates and my monthly payment and not having to pay fees. I reached out to Discover to help me. Discover inform me that they have no program available for me to offer at all. I have never been in any program with them and I have made every payment on time up until this month in XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I am a XXXX year veteran of XXXX XXXX. Can short sale banks be held responsible for pushing around buyers of short sale homes. My XXXX time buyers have diligently responded to Short Sale Bank for the last 7 months. After receiving the go ahead approval letter with my buyers spending money on inspections, appraisal, etc., Short Sale Bank wants their appraisal doc. to see if the value has gone up for the last 7 months while they ( bank ) negotiated the short sale. They have once again postponed settlement while they reevaluate the price. How can a bank, no one else, open sale price up after committing to a written contract price while they took their time completing the approval process. 

XXXX.
Product: Debt collection

To NELNET/ Whom It May Concern : I am writing to formally dispute the alleged debt reported by Nelnet Student Loan Services on my credit report. I believe this debt to be fraudulent, as I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation and verification of this debt. To resolve this matter promptly, I demand that you provide the following documentation : Proof of Authorization : Evidence demonstrating your authorization under 15 U.S.C. 1692 ( e ) and 15 U.S.C. 1692 ( f ) to handle and collect this debt.

Legal Basis for Collection : A detailed explanation of the legal grounds upon which this debt is being collected. 
State Authorization : Proof that your organization is authorized to operate and collect debts in my state of residence. 
Evidence of the Alleged Debt : A complete and accurate copy of any contract or agreement, including my signature, that would obligate me to this debt. 
Full Account History : A comprehensive account history, including any charges, fees, and all collection-related activities. 
Pursuant to 15 U.S.C. 602 ( a ), I demand the immediate cessation of all communication and collection activities until the alleged debt has been validated as required by law. Additionally, under 15 U.S.C. 604 ( a ) ( 2 ), I remind you that no information regarding this debt should be reported to any credit bureaus without my explicit written consent. 

Your actions in reporting this alleged debt to the credit bureaus and attempting to collect it violate several key provisions of the FDCPA, including : 1692d : Prohibiting harassment or abuse in the collection of debts.

1692e : Prohibiting false, deceptive, or misleading representations. 
1692g ( b ) : Requiring the proper disclosure of my rights and validation of the debt.

1692f : Prohibiting the use of unfair or unconscionable means to collect a debt.
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 Number : XXXX is stating that it is 30 days or more late. This account has never been late. This account is also reporting differently on all 3 credit reports. There is a discrepancy in the last activity, payment status, payment history, as well as other areas. I disputed this information with Equifax, XXXX, and XXXX. They said that the information was verified and accurate. I do not understand how it could be verified, if it's not accurate and incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C. 1681 Section 602 A : States that I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account in question : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX
Product: Mortgage

Home Foreclosed upon in XX/XX/XXXX. Settlement received in XX/XX/XXXX for improper foreclosure. Credit report not reflecting improper foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE 3RD TIME XXXX XXXX IS CONTINUOUSLY ILLEGALLY RE-REPORTING DISCHARGED DEBT. HAVE DISPUTED WITH TRANSUNION NUMEROUS TIMES BEFORE THEY DELETE THE INFORMATION THEN IT KEEPS REAPPEARING LATER. XXXX XXXX IS DELIBERATELY ATTEMPTING TO COLLECT ILLEGALLY THEY HAVE BEEN NOTIFIED SEVERAL TIMES. THIS IS CAUSING ME GREAT DAMAGE AND I AM GOING TO START LEGAL ACTION AGAINST TRANSUNION AND XXXX XXXX IF A STOP IS NOT PUT TO THESE ILLEGAL COLLECTION ATTEMPTS
Product: Payday loan, title loan, or personal loan

Filing bankruptcy Keep getting calls every single day even 2 times a day from them. I explained before I have no way to pay
Product: Credit reporting or other personal consumer reports

I have sent letters to Equifax and XXXX on XX/XX/year> and XX/XX/year> disputing items on my credit report that I do not know of. I have not gotten a response back from Equifax and XXXX verifying the debt or informing me that they were going to initiate the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Correspondence : XXXX XXXX XXXX XXXX XXXX, SD XXXX This a long and involved issue that began in XX/XX/2018 with this merchant. I filed a Chapter XXXX Bankruptcy in XX/XX/2018. That merchant launch servicing has consistently reported that account in various different statuses to the credit bureaus. I have filed countless disputes with each credit bureau because the merchant is not reporting the information correctly. I was never notified by the merchant in writing, by phone or email ( especially email, because I moved to California at one point ) concerning the status of the account. As a result I was not able to determine the status of the account and the true debt that was associated with this contract. Due to it being litigated in a Bankruptcy the status and nature of the account balance was never truly understood until the date of discharge, at which point the creditor was notified that I did in fact owe them a fractional portion of the debt. Nevertheless the reporting was not ever maintained or reported correctly during the Bankruptcy period or after the date of discharge. I have attached screenshots from each Bureau detailing the reporting that is kept for this account. One account is reporting null information, one is reporting that the account has been late and over 120 days late for over a year when this is not the case and another account is reporting that the account was late until the date of discharge. The XXXX score is significantly lower than my other scores and this is impacting my ability to get housing with housing providers in California who are referring to my XXXX report. I have sent countless emails to this creditor and have had conversations with this creditor on numerous occasions, only to be sent some kind of response that does not address what I am discussing with this merchant credit agency. I recently notified this creditor that if they did not correct this information I would report this information to the FTC and sue them for breach and trespass consistent with the Fair Credit Reporting Act. I am being impacted negatively by this reporting as I have stated. I am attempting to purchase a home and get housing in the midst of a pandemic and this reporting is not accurate or fair to me as a consumer. This is my final attempt to resolve this issue outside of a court room where I will seek specific performance and an injunction consistent with their reporting behavior, causing for a rebuke in their abilities to report by and through credit agencies as well as obliterating an records of this merchants relationship with me as a consumer. I have been very patient and they have consistently failed to address my requests and have continued to be incompetent and inept in handling this issue.
Product: Debt collection

On XX/XX/2022 I sent a certified letter to Portfolio Reovery the address is XXXX XXXX XXXX, XXXX VaXXXX. I sent a debt validation letter asking them for proof of original debt and if that could not be supplied they needed to remove the negative items listed on all three of my credit reports. They signed for the certified letter but it has been over 30 days now and I have not heard anything from them but the negative information is stil on my report. I want the negative information removed from all three of my credit reports since they did not show me proof as requested via certified letter of the original debt. 

Thank You, XXXX XXXX
Product: Student loan

FedLoan Servicing is the worst company I have ever dealt with. They have terrible customer service, do not follow the law when it comes to the terms of forgiveness programs, and put my account into delinquent status for 2-3 weeks every month because they do n't process payments in a timely manner.
My current issue relates to making loan payments with my XXXX XXXX XXXX XXXX. They ca n't seem to process these correctly. I have to call several times each month to check on the status. I am currently on the phone with the 4th person I 've spoke to this month about my payment made on XXXX/XXXX/2017, which they have apparently " lost ''. This is the first person that stated the payment is not showing in their system. The other 3 stated that it would be processed soon. The payment they have no record of. Did those 3 even look at my account?
Additionally, they have cheated me out of almost 3 years of qualified payments under the Public Service Loan Forgiveness Act. They refuse to follow the policy in the PSLF documentation in terms of awarding up to 12 months for lump sum payments made with the XXXX XXXX XXXX. I have been calling them about this issue for months and they refuse to do anything about it.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to express my outrage and frustration regarding a grave matter of identity theft that remains unresolved in my credit file. I originally contacted Experian and raised concerns about fraudulent accounts appearing under my name, which I explicitly stated were the result of identity theft. After my initial dispute, these fraudulent accounts were temporarily removed from my credit report, and I was relieved to see the correction. 
However, without any notice, explanation, or appropriate documentation, I was appalled to discover that these same fraudulent accounts have been RE-ADDED to my credit report. This is not only reckless but a clear violation of my consumer rights. It is incomprehensible that, despite my previous communication with you regarding this matter, Experian would allow these fraudulent entries to reappear, especially without providing any clear justification for this egregious action. 
Let me be absolutely clear : These accounts are the result of identity theft, and as such, they should never have been added to my credit report in the first place. Their presence on my credit report is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), and your failure to properly document and explain why these fraudulent accounts have been reintroduced is both illegal and unacceptable.According to SECTION 605B of the FCRA these accounts must be removed from my credit report. 
I demand that these accounts be immediately and permanently REMOVED from my credit report, without further delay. I also request that Experian provide me with formal documentation explaining the timeline of this re-addition, the reason behind it, and any supporting evidence. If I do not receive proper documentation or see these accounts removed promptly, I will have no choice but to escalate this matter to the appropriate regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action. 
I trust that Experian will take immediate action to resolve this issue in accordance with the law, and I expect confirmation of the removal of these fraudulent accounts within 30 days.
Product: Mortgage

I will be addressing Fraudulent Note XXXX and Fraudulent Note XXXX Federal Truth-In-Lending Disclosure Statement Tax/Insurance Payment Notice XXXX Addendum-No. XXXX to uniform Fraudulent Residential loan application The Borrower 's Certificate The Lender 's Certificate XXXX XXXX XXXX Wells Fargo Authorization to disburse the net proceeds from the re-finance of the premises according to the fraudulent ( XXXX ) Title Insurance for Title No : XXXX Notice of Owner 's Title Insurance The Lump Sum Disbursement Certification ( For Borrowers requesting at least 25 % of the Net Principle Limit as an INITIAL LUMP SUM DISBURSEMENT ) By signing below, the borrower ( s ) acknowledges they have been advised that the Federal Law prohibits using any portion of the Lump Sum disbursement of HECM Loan PROCEEDS for payments to or on behalf on an estate planning service, as that term is defined in Paragraph XXXX. XXXX APPLICATION STATES THE DISBURSEMENT WILL BE A LINE OF CREDIT.