23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received a letter from Mohela saying : " Your 12-month period for income-based payments under the Pay As You Earn ( PAYE ) plan is due to expire. Recertify your income and family size now to calculate monthly payments under this plan for another XXXX period and avoid missing the recertification deadline of XX/XX/XXXX. If we do not receive your renewal request in time, or if your request does not result in a partial financial hardship, your payment will adjust to approximately XXXX. '' The student aid website says : " If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' When I called Mohela to ensure that my recertification date would be pushed out 1 year as described on the student aid website, I was given opposition and that this is not possible. I spoke with a few representatives who said they would submit a request to push my deadline and that I would hear back with the result. However every time I called to get an update on the request, I was told the paperwork was not submitted correctly and that my deadline is XX/XX/XXXX. Upon asking for clarification after several phone calls and XXXX on a single phone call I was then told that the date on the letter I received was only a " soft deadline '' and that the real deadline is XX/XX/XXXX because that was my XXXX anniversary date. However on XXXX 's website my anniversary date is XX/XX/XXXX. Mohela will not say where the XX/XX/XXXX date came from. When I asked to speak with a supervisor, there was not one available for me to speak with. I now have less than one week to try to have the servicer bring their policy in line with student aid 's and am being told that I will not hear a result or get additional documentation clarifying my deadline until after the deadline on the letter I received. This last time I talked with XXXX XXXX and was unable to speak with her reporting supervisor was XXXX XXXX. It seems like Mohela is being very disingenuous and likely against federal policy in their dealings.
Product: Money transfer, virtual currency, or money service

Dear Sirs, My name is XXXX XXXX and I address you with regard to the XXXX  payment transaction that has been made by me on the basis of Loan Agreement on XX/XX/2022 from my account at XXXX XXXX XXXX to mainland XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and is currently on hold by Bank of America N.A. New York XXXX ( XXXX ). Remittance department of XXXX via my XXXX of XXXX asked me several questions sent by the specialists of Bank of America which I have answered. It happened XXXX times, gentlemen were satisfied with my answers and new questions were not asked since then at all. I have provided all required documents. I have tried to get in touch with the BOFA 's branch in NY by phone, but I was told that I was not the client of the Bank and nobody had an intention to talk to me. XXXX XXXX XXXX XXXXXXXX has sent XXXX ( XXXX! ) inquiries after XX/XX/XXXX asking where are the funds ( USD XXXX ) and what is the reason of such an attitude, but there is no answer from BOFA. 
My XXXX XXXX has sent me reference number which they use communicating with BOFA : XXXX Please kindly check the current status of the transaction and the reason of its postponement. 

Thank you very much! 

XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX e-mail : XXXX XXXX
Product: Credit reporting or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX  days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payment on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. This is unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed account. 
XXXX XXXX XXXX XXXX XXXX : {$6600.00}
Product: Credit card or prepaid card

Cash advance was taken out on my credit card by hackers and Truist refuses to acknowledge it.
Product: Credit card or prepaid card

I disputed a charge on my Wells Fargo account. 

I had ordered a pair of shoes and I never received them. 

I received an email from Wells Fargo asking me to indicate the type, size, quantity and brand of shoes that I ordered. 

I have never been asked to provide this information for any other dispute with any other credit card company. 

All that is required is that I state that I was charged for the product and that I have not received it. 

A temporary credit is also normally immediately issued, but not in this case. 

Furthermore, a XXXX search of the company involved will reveal a history of problems.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXXXXXX, 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
Product: Debt collection

I have sent a police report in and the address thats link to the account is fraudulent I have never lived in the state of Maryland so if the address is fraudulent the account is to the company is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about inaccurate reporting that I have disputed on several occasions and it hasn't been resolved. The company has been manipulating the statue of limitation and reporting C/O every single month on my credit report. 

Its been over 60 days and no one still haunts resolved this issue which to my concern that it should be corrected or deleted. This complaint is for Experian. I gave this company so many chances and now I want to seek damages for financial injury. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} : Been disputing this account for to long not to see any results happening I demand {$1000.00} per violation on my credit report or DELETE the negative account and any other inaccurate negative information you are reporting on my account.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I have no idea how they got there. I reviewed my credit report as I usually do, and suddenly, these discrepancies appeared. I even refreshed my browser to rule out a glitch, but the issue persisted. I am extremely frustrated and need the documents I've submitted to be thoroughly reviewed so I can stop worrying about this.
Product: Debt collection

City Select Auto Sales is still showing up on my credit report. This account has been charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid two medical bills off, that I need to be deleted from my credit file. XX/XX/XXXX removed one but now claims they can not identify me, yet they sent a dispute result in XX/XX/XXXX. 

NEW NOTE XXXX XXXX ( WAS REMOVED FROM XX/XX/XXXX ) AND XXXX ARE A BOTH A ZERO BALANCE AND NEED TO BE REMOVED IMMEDIATELY. PLEASE VERIFY AND UPDATE CREDIT FILE IMMEDIATELY PER LAW FOR MEDICAL DEBT. I NEED MY HOUSING. PLEASE. 


Please kindly REMOVE the accounts below from my credit file immediately : Name of Creditor Balance Account # XX/XX/XXXX{$0.00} XXXX MEDICAL DEBT RELIEF ACT MIRAMEDRG {$0.00} XXXX DEBT RELIEF ACT With further respect to the Medical Debt Relief Act of XXXX, please recheck that the application of health insurance is properly applied to the account and institute a 180-day waiting period, beginning with the date of service, before medical debt will be reported on a consumers credit report ( effective XX/XX/XXXX ) and remove paid off and settled medical debts from credit reports that have been fully paid or settled ( effective XX/XX/XXXX ), per the FCRA timetable for verification. With further respect to the Medical Debt Relief Act of XXXX, it was enacted to increase the waiting period to XXXX before medical debt will be reported to the consumers credit report ( effective XX/XX/XXXX ). All other enforcements will remain from the XXXX amendment noted above.
Product: Payday loan, title loan, personal loan, or advance loan

I had a car loan on my XXXX XXXX arranged through the dealer, XXXX XXXX in XXXX NH. The car was insured by XXXX. It was banked by Santander. 

I had over {$5000.00} equity in the car. 

I took delivery of it in about XX/XX/year>. 

It was stolen within two weeks because the " keyless '' ignition -- computer driven -- could be and was, XXXX. 

XXXX dragged their feet and dragged their feet and it took FOREVER to get them to process the claim. When XXXX XXXX FINALLY paid on the policy HE PAID ALL OF THE INSURANCE TO SANTANDER! EVEN THOUGH I WAS ENTITLE TO AT LEAST {$5000.00}. 

Santander took ALL of the money and paid me NOTHING. 

FRAUD! LIES! 

HELP!!!
Product: Payday loan, title loan, or personal loan

I am writing to you in the condition of denouncing the financial GOODLEAP and the company XXXX XXXX XXXX, by one of its sales representatives XXXX XXXX having sold me an extremely expensive solar system, with lies, I was going to give a saving which is not true so attached proposal of the same plus the contracts with the financial and with the installation company, for having sent me contracts in English and not in XXXX, so that I could read all the clauses and conditions indicating that I would no longer have invoices with the electric company when it is not true and all this is because of the difficulties that I have gone through with the company XXXX XXXXXXXX XXXX that have made the installation without professionalism it reached the point such that I do not have the installation finished and at this time I no longer want, I renounce this because the service I hire in the month of XX/XX/2022 is not yet installed or finished and less producing, in addition to the supposed promotion that I was sold of an unpaid year that has served everything is a farce which I am denouncing. 
I have communicated with the financial GOODLEAP on several occasions to see if they could help me through them with the supplier and installation company but without any result therefore I request to terminate this contract that in my point of view is a fraud and that has not been terminated is not in operation what I supposedly buy to give me a service is not working I have not been able to use it that I have bought is not giving me any service. 
Next I am making you participate in what I am denouncing to other entities of everything that has happened to me in that project.
Product: Vehicle loan or lease

I lost my job due to COVID and feel on hard times. I had money saved and offered a settlement. I was told if paid the account for a full year the would negotiate the settlement for less the balance was paid down a good bit. The car was not was not work and Prestige was aware of this. However I did my best. The gave them every dime I had because I was told they would do a settlement next year. When that time came the denied a settlement and wanted the remaining balance for a nonfunctional car that I paid for twice. I have corresponding emails that verify these communications. I was taken advantage of financially and emotionally. COVID was a stressful time for me. I gave Prestige all the money I had and was lied to for them to get it. Prestige had no intent to settle nor allow me to keep the car. The loan is subprime and they are practicing predatory lending during a crisis. They have breached their agreement to settle for a reasonable amount.
Product: Debt collection

Back in XXXX XXXX I paid off my truck lean early with Santander. They released the lean and send me my original title to my truck. 6-8 months later I received a letter telling me that I owed them over $ XXXX+. I sent all my documentation of payments, account balance showing {$00.00} balance. I certified this to Santander & to the president of the company. I never heard back from them. Last year somewhere around XXXX XXXX I received another letter from Santander stating I owe them $ XXXX+. I called them and again explained that the lean had been paid off, that I sent certified letters with all documentation to Santander and a copy to the president of Santander. The gentlemen told me I needed to send them over {$2100.00}. I then told the gentlemen that the title was released to me, along with notarized letter saying my debt had been paid. I never heard from them again. Now on the XXXX XXXX XXXX I received another letter from Santander that I need to pay them {$2200.00} by XXXX XXXX XXXX or they will repo my truck. 
My husband is in the XXXX and we went to XXXX, the civilian attorney called Santander. She told them that the lean was released paid in full along with the title and sent to me. My attorney was told that she would have to talk to the legal department because they could not locate my account with Santander. The person for Santander came back on the line and told my attorney that the legal department was not answering the phone and that the legal department would call my attorney back within 24 hours. She asked for the repo to be pushed off until this matter is resolved. The representative told the attorney they will not push off because I am supposedly something like 1,825 day past due on my payment. They changed their story to the attorney a few times. They told my attorney that they could not find me. This is false because not only did they send my lean release and title to my address in XXXX XXXX, Texas, they even sent the letter last year and now this letter to my current address here in XXXX, Texas. She also asked for a phone number for the legal department so she could call the Santander legal department directly and was told that there is not a number to call and again the Santander legal department will be returning the phone call within a 24 hour time frame. 
Santander legal failed to return the call to my attorney within the 24 hour time frame. My attorney has drafter and is sending out a letter of dispute to Santander. 
My attorney completed some research on Santander and found that this is something that has been happening to several people. She found y'all are having a suit against Santander and forwarded this to me and hopes that I XXXX have enough against Santander XXXX become part of the case. 

Hope ya have a wonderful day ;
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 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 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer.

15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 USC 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 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX XXXX, Experian and XXXX XXXX involving a public record that is inaccurately reporting on my credit report. It is a publica record more specifically a bankruptcy filing showing both the assets and liabilities sections inaccurately. They are required by the laws outline in the FCRA to report all information on my report 100 % accurately. The assets and liabilities sections both show as {$0.00}. This is incorrect and I disputed the information on numerous occasions. They promptly " VERIFIED '' that information. I disputed it again and it was yet again " VERIFIED ''. I asked specifically HOW they verified the item and they reported that they used a 3rd party. I received a letter from the Courthouse stating that they " DO NOT REPORT ANY INFORMATION TO ANY CREDIT BUREAUS ( I have included a copy of that letter as proof ). I also obtained my own court documents had have attached proof showing that the assets and liabilities was more than {$0.00} and that my rights were violated because of ALL of bureaus refusal to investigate properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have specifically asked Experian, XXXX, and transunion to delete all information that is not correct. I have requested that they only have my legal name ( XXXX XXXX ) my legal address ( XXXX XXXX XXXX, XXXX XXXX, WA XXXX ) and my legal date of birth ( XX/XX/1981 ) There seems to be multiple different names, and different addresses on my credit report. They have not removed them, and it is not legal to have the incorrect information. 

Thank you for taking care of this. 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

To whom it  may  concern I  XXXX   XXXX  Submitted a payment on  XXXX  Ally financial which is my car payment, I made a at deposit that day at night around  XXXX  pm as I previously was told that I need it to make a deposit that day to avoid any fees or over drawn fees, so I made a deposit of  XXXX  than an additional  XXXX  dollars that same night and I printed a receipt that night and I was current and that was the reason why  XXXX  went on the  XXXX  of  XXXX  to deposit the rest of the money to avoid any fees and so I was current. I was n't negative anymore that night as I covered the full amount negative. I was back on track.   The next thing I know is that chase has charged me a fee for insufficient funds.??? Why if I made the deposit that same day to avoid fees. Before midnight unfortunately I was at work and could not get out until my time to finish my shift. But I deposited the money before midnight and I was current the next day  XXXX  found out that  XXXX  gave me that fee of  XXXX  o   XXXX   Makes no sense. I deposited the money that same day.   And the amount that I deposited cash seems to still be pending??? It should n't still be pending it 's cash heloooooo.  XXXX . It should have taken action and effect immediately that day to avoid charges and insufficient funds. Also we have a different time frame.   Why is that deposit still lending as of today   XXXX   XXXX   when it was cash not a check.   I am very upset and are thinking about leaving chase sometime soon. I 've had problems in the past with a personal check that atilano  XXXX  gave me but I do thank  XXXX  because that was successfully fix and solved.     Now I here we go again.???   The deposit should not have to be pending still is cash not check. It 's is not my fault that there was a fee of insufficient funds when I did everything possible to deposit and I did deposited the money that same day before  XXXX  hours or  XXXX  hrs to get fees. I was so right that I was n't gon na get any fees and look at this it did that is crazy.   I am not sure if chase has something against me. And why the despots are still showing pending that their system mistake not mine. I want them to fix and solve my problem. It was n't my fault and I did the deposit that same day before midnight my time. I was not aware that it supposed to be at  XXXX  instead as the representative told me. I promise u and assure u I was not aware of that. Anyway after my deposit the receipt said I was current and I throw the receipt away at the garbage of the branch I went to in  XXXX . I wish I had it to print it and take a copy of it so I can use that as proof although  u  do n't think is necessary because  XXXX  can confirm that I made the deposits cash that day and that I was current. Please help me this is very frustrating that I 'm waiting  XXXX  min to  XXXX  hr trying to fix this important matter what is going on with chase?
Product: Debt collection

I contacted XXXX because Sequoia Financial Services kept checking my credit and had 5 bills of mine totaling almost {$17000.00} ... the original Total was over 50,000 and the hospital absorbed 95 % leaving me with a balance of {$2600.00} ... I never received anything from the hospital and it was sent to collection almost immediately even after the financial agreement ... They also retrode it to cover past and present ... I only received {$14000.00} of that {$50000.00} total and bills the rest I never saw ... And Sequoia also had two bills for over {$6000.00} that the hospital never sent me from XXXX and I do n't think I was even there ... When I filed the dispute with XXXX on XXXX XXXX I sent them the documents from the hospital as well as my letter asking for the financial assistance ... On XXXX XXXX XXXX  removed every single one of the Sequoia charges because they were not valid ... Then on XXXX XXXX I got a letter from Sequoia Financial Services stating that I owed them {$12000.00} and that amount almost {$1700.00} was interest that they illegally charged to my account on fraudulent bills ... those two bills for over {$6000.00} for not included in their total I do n't even think that they were real bills ... and the worst thing that they did was they somehow illegally obtained my very private and detailed emergency room visit that nobody should have ever seen ... I know this because Sequoia sent it to me and I was floored ... I have never heard from them since and a couple days ago I got a bill in the mail from another collection agency called XXXX XXXX XXXX and they have purchased one of my accounts from Sequoia ... this company is the worst and they have so many complaints against them I ca n't even understand how they 're still allowed to be in business ... They are Crooks and they are breaking the law