23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My complaints about Mohela : 1. Mohela misled me on their hardship programs. I am unemployed. Did not expect to be unemployed for as long as I have been. I had a promising interview and thought I would only be missing one payment so I signed up for their Skip a Pay. They made it clear that I could only do Skip a Pay once. When I asked the rep, can I call back the following month should I not get the job for other hardship options, he said yes. So when the job fell through I called for my other options. At that point I was told by the rep that I was now on a " cooling off period '' with them and that I was not eligible for any type of hardship programs with them. I didn't believe her, so I called back the following week, thinking the rep was just not wanting to do her job or spend the time on the call. When I called the following week, I was told the same thing. So now, I am close to going into default. My parents did lend me money in XXXX to pay Mohela but the entire payment went to accrued interest, which leads to my next complaint. 

2. I signed up with Mohela in XX/XX/XXXX, I consolidated $ XXXX worth of student loans. As of XX/XX/XXXX, I have paid them a total of $ XXXX. As of XX/XX/XXXX my principal amount owed was {$100000.00} which means Mohela pocketed around $ XXXX of my money for themselves and only applied $ XXXX towards my principal. This is criminal, my loan does not end until XXXX, that means I still have 13 years left to pay which totals to $ XXXX, and when you add that to the XXXX I have already paid them, I will have paid them roughly around $ XXXX!!! How is this legal????? This doesn't include what I have paid in the past to XXXX XXXX, XXXX XXXX, XXXX, before I consolidated my loans. Then to add insult to injury, the second institution I went to, went belly up. I had still owed them money and was paying them not knowing they were going belly up and when I finished paying them I never got my diploma because they no longer existed. 

I have not been able to properly build a savings because of these loans and when I did the numbers when I submitted my complaint to Studentaid, I was disgusted. $ XXXX of my money was paid to Mohela and they kept $ XXXX. No wonder I felt like this was never ending, because they made it this way. It's bad enough that to get an education is ridiculously expensive ; then the government allows these institutions to rob us and then tell me I have to go back to the same people to resolve an issue they don't want to resolve. Seriously?? 

Had I not become unemployed I would have never encountered this situation. I would have continued paying my loan not realizing I was being robbed. 

Is there someone that can help me? I feel that I have paid my loans off and should not owe anything to anyone anymore.
Product: Credit card

To Whom It May Concern : I had a promotional APR of 0 % on my Chase Amazon credit card. Chase has not applied my payments ( excess of min. payment ) to the account balance with the highest APR. In fact, when I researched how Chase applies excess payments on their website, I came up with the following ( see below ) " How are payments applied to the different APRs on my balance? 
When you make a payment, generally we 'll first apply your minimum payment amount to the balance on your monthly statement with the lowest APR. If you pay more than your minimum payment, we 'll next apply money to the balance on your monthly statement with the highest APR. If you do n't pay your full balance each month, you might not be able to avoid interest charges on new purchases. '' - Per Chase Website. 

The Credit Card Act of 2009 requires a card issuer, upon receipt of payment, to apply amounts in excess of the minimum payment amount first to the balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. 

Chase has not treated my payments in this fashion. I would like an adjustment to be made to my account. 

Thank you.
Product: Debt collection

i received a threatening letter in the mall from HRRG for a medical bill related to my XXXX  son. I have XXXX and PAY NO MEDICAL BILLS at all. These service dates are associated with the XXXX of my son, which was XX/XX/2019. 

I called the number included in the letter and was rudely handled then hung up on one of the female agents. I called back and requested a supervisor. The young lady who answered claimed she is the supervisor. Her name was XXXX. I recorded the call to send to the news, the FL attorney general, the US attorney general, as well as filed a complaint with the CFPB, FCC and FTC as well as a Florida XXXX Complaint. 

You all are attempting to collect a debt not owed and has been taken care of by state of florida XXXX  program.
Product: Consumer Loan

I spoke to XXXX employee number XXXXearly this month in XXXX last week approx XXXX and I was told that I should not be charged for any lapse on my Wells Fargo Insurance that was applied to my account XXXX. I waited the five days to see that credit of Insurance from XXXX to Present XXXX credited towards my auto loan balance. This Wells Fargo employee went as far as lying to me telling me I should expect a credit of {$11.00} a month credit from XXXX to Present XXXX.
Product: Credit reporting or other personal consumer reports

AFFIRM INC, reported to XXXX a major credit agency Account # XXXX had charged off ( CO ) on XX/XX/year> and {$270.00} written off ( profit and loss ) I never received any documentation ( 1099 ) regrading this CO and I am requesting documentation today if for any reason account was CO by any other methods please identify that method in full detail by providing supporting documentation for my records. if for any reason AFFIRM did NOT actually CO account on XX/XX/year> as reported AFFIRM is in violation of FCRA 623 ( 15 U.S.C. 1681s-2 ) RESPONSIBILITIES OF FURNISHERS OF INFORMATION.
Product: Credit reporting or other personal consumer reports

FRAUD ALERT : THIS IS NOT A DUPLICATE SUBMISSION : I AM REPORTING FRAUDULENT AND XXXX XXXX  of XXXX Customer Service Representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  indicated XXXX XXXX XXXX XXXX was UN-VERIFIED and not Reporting to my consumer report. XXXX, and TransUnion removed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to inability to verify. Following Recorded Phone Call on XXXX XXXX XXXX XXXX XXXX XXXX XXXX spoke to, XXXX Customer Service Representative XXXX ( XXXX XXXX XXXX XXXX Consumer Affairs, Regarding my XXXX XXXX XXXX XXXX UN-VERIFIED public record. Immediately following that conversation on XXXX XXXX XXXX XXXX XXXX XXXX  public record was reported by XXXX XXXX On XXXX XXXX I contacted XXXX to confirm if my consumer file had been accessed for the purposes of XXXX XXXX. XXXX confirmed my XXXX XXXX was active and has been XXXX since XXXX XXXX. I have obtained a copy of my Consumer File. XXXX Customer Service Representative XXXX ( XXXX XXXX XXXX XXXX Consumer Affairs, fraudulently and illegally obtained access to my file through the XXXX XXXX Site by way of the PRE-QUALIFICATION PORTAL. XXXX HAS BEEN UNABLE TO VERIFY MY ACCOUNTS DUE TO CREDITORS REFUSING and electing to falsify my owing balances on XXXX Closed Accounts. 

I have attached evidence proving the gross misconduct of XXXX Customer Service Representative XXXX ( XXXX XXXX XXXX XXXX Consumer Affairs. 

The Fair Credit Reporting Act ( FCRA ) protects consumer information, including credit reports, and prevents the sharing of this information without a specified purpose. The FCRA gives consumers the right to access their credit reports once a year for free, and to limit unsolicited offers for credit and insurance. The FCRA also specifies who can access a consumer 's credit report, and both the XXXX XXXX XXXX and the person seeking access without a valid reason can be held liable if they breach the law. 
The FCRA governs how credit bureaus can collect and share information about consumers, which businesses may use for many purposes, such as deciding whether to make a loan or XXXX XXXX. The FCRA also gives consumers the right to : Know who requested their credit report within the last year Seek damages from anyone violating the FCRA The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) are responsible for enforcing the FCRA.
Product: Debt collection

I am in the process of resolving all of my credit card debt. I employed XXXX XXXX XXXX to mediate the process. I make consistent monthly payments so that they can negotiate repayment of my credit card debt. On the outset, I was told American Express do not settle debt. Therefore, I am not disputing my balance with AMEX. I am willing to pay what I owe to them. <P/>I was summons to court by XXXX XXXX XXXX, XXXX. regarding the {$3200.00} past due balance I owe AMEX. My court date was XX/XX/XXXX at XXXX XXXX. I checked in with the clerk at XXXX XXXX. By XXXX I was n't I proceeded to checkin with the clerk again and was told XXXX entered a default judgment against me because I did not appear in court. That is a false statement. The ourselves did not call my name to discuss a resolution. <P/>The day prior to my court date, a arranged with AMEX or XXXX collection department to make a {$300.00} payment on-demand and recurring $ XXXX monthly installments via ACH through XX/XX/XXXX. The last debit from my bank account will be {$230.00} on XX/XX/XXXX ( confirmation # XXXX ). I called XXXX XXXX XXXX office back to 1 ) inform them of the repayment arrangement and 2 ) to verify whether a court appearance would be necessary. XXXX 's refused to verify my payment arrangement except to say they can not give legal advise. <P/>I feel deceived and harassed by XXXX XXXX XXXX. After the clerk tried to call the counsel to return because I was in fact in the courtroom on XX/XX/XXXX she would not return ; however she entered a default judgment against me. I received another summons to appear in court - a continued return date on Friday, XX/XX/XXXX at XXXX. XXXX another cost of XXXX in addition to the $ XXXX monthly installment agreement between XXXX XXXX XXXX staff and me on XX/XX/XXXX. <P/>I am willing to repay the debt I owe. I hired XXXX XXXX XXXX to assist me so that I can avoid numerous calls from creditors at my home. It is a huge inconvenience to me to travel miles to court and miss a half day of work because the collection agency refuse to verify and perform due diligence on this account in which I plan to pay AMEX the entire past due balance. The collection practices appears to be unfair, deceptive, misleading and abusive. Can someone help me with this matter? <P/>I attached documentation that refects XXXX 's deceptive abusive practices along with payments they debited from my bank account {$600.00} to-date. The statement in XXXX 1 attachment is not true. I was in the courtroom 15 minutes prior to my appointed time. The Counsel did not call for me and proceeded to file a judgment against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my consumer credit file from Transunion, XXXX and XXXX and notice these late payments with XXXX XXXX ACCT # XXXX. I am requesting all be removed from my file this finding has caused XXXX, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 


15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on you in the first place. 

The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the comp corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.
Product: Debt collection

IQ Data international at has been sending me collection notices for the amount of XXXX the collection has posted past due balance. I dont know this company. I have never done business with this company before. This company does not have a contract with my signature.
Product: Debt collection

A dispute was processed with  XXXX ,  XXXX , and  XXXX . There was not proper verifiable documentation of the alleged debt. This account was added to my credit reports without proper notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I provided the reasons for disputing the information. I have enclosed it again Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have tried with the creditors and the XXXX XXXX me again to the credit agencies and when I finally reached them the have make calls backs and never do Help me please
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX XXXX XXXX received an email from XXXX XXXX with the email address of XXXXXXXXXXXX, which stated my application had been approved to complete surveys. I was asked to verify my information which I did. Continuing, the email then stated that the information would be used for payment to execute my assignment as well as my wages. 

I received a XXXX email from the same person as above which stated : XXXX assignment to start the next day, Note that a check will be sent to you by XXXX overnight to proceed with the task immediately. 

I received a check by XXXX on XXXX/XXXX/XXXX in the amount of {$1200.00} at which time I was to deposit in my bank XXXX XXXX Bank XXXX and withdraw funds of {$1000.00} and complete assignment. To complete assignment I was to wire the XXXX to the XXXX store in XXXX, Colorado payable to XXXX XXXX for pick up by her. Then to complete a survey after assignment was processed. 

On XXXX/XXXX/XXXX I received another XXXX containing another check in the amount of {$1200.00}, was to complete the assignment the same as before to the same location as above and to the same person XXXX XXXX at the XXXX, Colorado XXXX store. 

Within XXXX minutes my bank XXXX XXXX Bank XXXX contacted me, XXXX XXXX advised he believed this is a money laundering scam and advised me to cancel the transaction and redeposit the XXXX back into my account, which I did. 
I was also advised to file a police report with the La XXXX XXXX, which I did on XXXX/XXXX/XXXX case # XXXX. He made copies of all documents, check, bank info, receipts. 

On XXXX/XXXX/XXXX I received a message from XXXX XXXX asking why I had cancelled the XXXX transaction, I told her this was a scam and my bank advised to cancel the transaction and redeposit the money into my account. 

On XXXX/XXXX/XXXX received a message from XXXX XXXX XXXX additional email that XXXX more checks were coming and to follow directions for the assignments the same as before. Then received a message from XXXX XXXX to shred the checks when I received them. 

I have no way of attaching all documents to this report but will mail in if I can get an address to send them to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a part of an ongoing issue with this company. Today, I received a letter in the mail from Cardinal Financial, dated XX/XX/2023, that states as a part of the " Equal Credit Opportunity Act '' that an appraisal may be ordered to determine my property 's value as a part of the " loss mitigation '' process and I will be charged for this appraisal. ( See letter attached ) However, I never authorized this company to process a loss mitigation of anything, nor did I approve my credit to be ran, or an appraisal to be ordered. I have turned in several reports regarding the illegal practices of this company, yet, this company continues to ignore federal legislature, underwrite according to their own guidelines completely negating federal legislature along with XXXX XXXX  and XXXX XXXX guidelines. 

I have another complaint currently open with regards to them not handling my loan according to federal guidelines pertaining to the CARES act for COVID forbearance ( see complaint # XXXX, submitted XX/XX/2023 ) and am under the assumption that this letter may be a continuance from this company refusing to defer ( tack on to the back of my loan ) my COVID forbearance amount. However, this letter indicates " recent document submission '' and I have submitted nothing to this company other than the filed complaint with them that I also lodged with CFBP ( referred to above ). 

There should be no credit being pulled, and no appraisal being ordered, as a loss mitigation request was never submitted nor authorized by me. I will not be ordered to pay for an appraisal as that is NOT required according to CFPB guidelines for the CARES act, nor should my credit have been pulled for any reason. I am NOT modifying this mortgage, refinancing this mortgage, or accepting any kind of loss mitigation practice to be applied to this mortgage, as that is NOT a requirement of the CARES legislature.

Please provide confirmation that this letter was sent in error : credit was not pulled, appraisal was not ordered, etc. Any pulls should be removed from my credit report and any appraisal that may have been ordered will fall as an expense to this company, as I did not authorize any of these methods nor are they required per the CARES act. I am exhausted with the back and forth with this company regarding their refusal to follow federal legislature regarding the COVID CARES act.

I can only imagine how many other borrowers are dealing with, have dealt with, or have just accepted their non-sense and tyranny regarding improper handling and underwriting of loans. If Cardinal can not follow the guidelines set forth by feds, XXXX, and XXXX, their license to give loans, service loans, etc., should truly be revoked. No one should have to continuously deal with this kind of madness on a consistent basis like this.
Product: Credit card

I used my credit card twice to send small amounts to someone it being {$10.00} both times and was charged {$10.00} on both transactions so {$20.00} which is an insanely amount. I reached out to cashapp and was told thats their fee i said for a {$3.00} and {$8.00} send out? and was told sorry that it their policy. I was highly upset because if Im sending {$3.00} out using my credit do you think i have an extra {$10.00} to send now imagine row times. I reached out to my bank and they were told they could not dilute that charge.
Product: Money transfers

Because limited space in this section, see attached word file " XXXX'