23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I tried to login to Mohela to check the status of my student loans. The system is saying it doesn't recognize my SSN/DOB. It won't even recognize me to reset my password. I've attempted to call on XX/XX/year>, XXXX and XXXX. On XX/XX/year> & XXXX I requested a call back from the automated service and did not receive one either time. Today on XXXX I stayed on hold for almost 3 hours. I would like to be able to send an email to avoid wait times but I can't because I can't login. This is frustrating because I feel like my hands are tied and I can't get any customer service to help.
Product: Credit card or prepaid card

I had a XXXX and had a balance of {$2900.00}. They lowered the credit limit to {$2700.00} and charged over-the-limit fees on top of the other fees causing the monthly payment amount to skyrocket to nearly {$300.00} a month, making the monthly payment no long affordable. I am uncercertain who to contact at XXXX for payment. Please help me reach out to XXXX to make payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for over a week to access the companys application and/or their website to access my account without success. 

I fill out the forgot user name and fill our the requested information and wait ( as directed ) for an email to access the information. I wait the requested time and check my spam or trash folder without success. I wait an additional few hours or days with the same result. 

I do, however, receive a request to fill out a satisfaction survey. 

I spoke to a representative, did not write the name down, while working with this individual tried to change my user name after supplying the prequalifying information : SSN, Full name, birthday, and. Correctly answering the security questions. I wanted to use a newly developed password that contained an S which I spelled phonically as XXXX however the individual did not understand and repeated cscan ; when I pointed out that this word began with a C not an XXXX the individual still did not understand and jumbled several of the other characters as well. 

I became so upset and angry that I told the individual I was both upset and angry ( I do not curse people as it does nothing to solve the problem. ) and that I was ending the call before I became belligerent. 

I filled out a complaint on the afore mentioned survey request ; however, I still can not access the information about my account.
Product: Money transfer, virtual currency, or money service

Using Moneygram.com I sent money to receiver XXXX XXXX Reference Number XXXX, send amount of {$1100.00}. 

The receiver when to bank to receive the money, she provided the reference number and filled out Receive form, after this- she was advised that they do not have XXXX and she needs to come another time. 

less than 1 hour from the time she left the bank/moneygram location, the money were withdrawn but not by the receiver! 

Bank Name : XXXX XXXX Address : XXXX, XXXX XXXX. No : XXXX, XXXXXXXX XXXX I called XXXX to raise the complaint. They never asked for the location of the bank. 

Problem : XXXX says there is no issue because the reference number is provided and money was withdrawn. 
They are not looking deeper to see if they have an issue with MoneyGram representative stealing reference numbers. 

The receiver provided the necessary information to the bank/MoneyGram representative and they had all the information needed to withdraw the money : ( 1 ) reference number and ( 2 ) Receive form signed by the receiver. 

Even though, it was mentioned that we believe the " reference number '' is stolen by the MoneyGram representative, MoneyGram never asked about the location of the bank Second Problem : I have requested the necessary information used to make the determination, but no results.

See attached email resolution from MoneyGram
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue was that your company gave us wrong information in regards credit score I had to open an investigation with the Credit Bureaus contact them to find out that your company told us was extremely low we are talking about a credit score XXXX to be lowered supposedly 200 this outrageous. I wanted to stress this incident also it reflects the unprofessional service and malice and discrimination process to the FTC Credit Laws in our State.
Product: Credit reporting or other personal consumer reports

I had an account with XXXX XXXX that was closed in XXXX. The account was charged off - the Financial Institution labeled the reason as " ACCOUNT ABUSE '' when in fact it was not. The negative balance occurred because I was laid off and out of work due to Covid. The balance when charged off was {$160.00}. I paid the account IN FULL within less than two weeks. The bank reversed the fees due to the nature of the scenario - however they never edited the label from account abuse. I disputed this account with Early Warning Services and they refused to research. The onus of responsibility should not be on a consumer to prove that they DID NOT prove a crime. In America you are innocent until proven guilty - if XXXX XXXX is claiming that my account was close due to account abuse they need to produce the instruments and documents that prove this. They won't be able to do that because there was no account abuse. The negative balance would have been covered right away had I not been laid off from work as a result of the Covid 19 pandemic.
Product: Credit reporting or other personal consumer reports

Back on XX/XX/2024 I requested debt validation for the collection companies on my credit report in writing to the credit reports and collection companies. I received nothing back yet these companies are still listed on my report. 

More specifically I called XXXX XXXX on XX/XX/2024 ad requested to know why I had not received the information and they said I would receive it but instead they transferred it to True Accord to collect on the debt. 

I called again today XX/XX/2024 and requested the info and the rep said only the rep XXXX XXXX can get it to be and he sent it by email which he did not. 

I told her i dispute this amount and debt in all and would like it removed from my report i also advised I would be filing a CFPB report
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. 

I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. 

I DO NOT have accounts with XXXX XXXX or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear bank of America after reviewing my credit file on all three of the reporting agencies I know you have charged off account XXXX and you are no longer the Owner of this account. But you left some major FCRA Violation on the credit report. and you could be sued for {$1000.00} on each of the reporting agencies for this violation! you are reporting late payment on a charged off account per the FCRA this CAN NOT Report like this so I asked for you to delete this entire account from all three of the reporting agencies immediately!
Product: Credit reporting or other personal consumer reports

National credit adjuster reporting account Im not aware of Ive wrote letters multiple times no one has responded back and my credit profile has been compromised multiple times this year and over the last few years.
Product: Credit reporting, credit repair services, or other personal consumer reports

CB/LNBRYNT THIS ACCOUNT WAS PAID IN FULL CLOSED. NOT BALANCE OWED KEEPS SHOWING ON REPORT NEVER COMES OFF I WANT IT REMOVED FROM REPORT I DON'T HAVE ANY DEBT WITH THIS COMPANY
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 : # XXXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX  : # XXXX ; # XXXX  XXXX : # XXXX XXXX # XXXX ; # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : # XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX  has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My account was hacked and the guy opened a XXXX account and stoled {$1000.00} I did not Authorize this. I called Citibank Immediately and opened up a fraud case! I assumed Citibank was able to track this and was going to reimburse me. After almost 2 weeks they said the case was closed and they were not going to reimburse me since I gave this man access to my computer
Product: Mortgage

I input my information on the website to see what my options would be, the company has proceeded to try and contact me 14 times within the last four days. 

XX/XX/scrub>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
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer complaint narrative I pulled my XXXX credit report and noticed they have 4 variations of my name and some of them are spelled incorrectly. They are listing 3 addresses and two of them are no longer deliverable by the United States Postal Service. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 9 different companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Bank of America obtain my credit trough a hard inquire WITHOUT MY AUTHORIZATION, I found out right away, and I called them stating that it was a FRAUDULENT INQUIRE, it toke many phone calls and long waiting periods with different people, at the end a supervisor found out that it was a credit card inquire from somebody, I stated it was not me because I already have a credit card with Bank of America. This BANK JUST DON'T WANT TO REMOVE THIS HARD INQUIRE FROM MY CREDIT REPORT EVEN KNOWING THAT IT WAS A FRAUD. 
IT IS FALSE THEY CONTACTED ME, I DID NOT RECEIVED ANY EMAIL REGARDING THIS ISSUE
Product: Vehicle loan or lease

Please see attached documentation to Hyundai. In summary, I paid for a lease in full when first receiving the vehicle, therefore I had zero payments for 3 years. When I turned in the vehicle, the representative said that I did NOT owe anything else. Then, 9 months later, I received a letter from Hyundai saying that I owed a turn-in fee because I did not get a new Hyundai when turning in the lease. I promptly contacted Hyundai and explained that I was not offered that option, but more importantly, the fee was already paid and clearly itemized on the initial lease agreement. They refused to acknowledge this, so I asked to speak to a supervisor to further resolve the issue- the representative refused to allow me to speak to a supervisor. Therefore, as a last option to clear the record, I submitted a dispute through the credit reporting agencies. They simply asked Hyundai to confirm the accuracy, as they of course did. So the credit agencies did not take any further action and allowed Hyundai to continue adding derogatory remarks to my credit file. 

I have decades of immaculate credit history with zero blemishes aside from this one. So this is not a case of the consumer making excuses- I am very good with credit. This is an issue of a company taking advantage of the consumer, and I suspect it is to squeeze more money out of the consumer to help Hyundai through the losses experienced during the pandemic. 

But perhaps the biggest crime here is that the credit agencies only take the word of the creditor and give no consideration to my word ( backed-up with a clean XXXX credit score ) and a lease agreement as documentation. As a consumer, I am helpless against Hyundai destroying my credit score. This is causing me damage when trying to refinance my home at a lower rate and also secure financing for my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error, I am a consumer by law and my information was misused. Due to this there is false information reporting on my credit report. Unauthorized use of my credit report
Product: Mortgage

On XX/XX/20 I received an erroneous monthly statement, see attached.

Today, XX/XX/2020, the Loancare website indicated I am late and would not allow me to access my payment portal without admitting so by answering an erroneous question as to why I am late. 

Then, I was not able to initially navigate to the onetime payment, it was locked. 

Next, I logged out and logged back in to find it working. I proceeded to make my XXXX payment, but the website wanted me to pay two payments and a late fee! I was able to change the amount and delete the late fee to make a regular payment as due. 

I was not able to avoid a {$10.00} charge, even though the website indicates it is free to use the onetime payment within 1-4 days of the due date ; I am within this time frame, so I should not be charged this fee. 

These continued mistakes by Loancare are causing me incredible difficulties and is unbearably burdensome.
Product: Money transfer, virtual currency, or money service

Cash app didnt have customer service when I had a problem with my transaction so I couldnt get my money back
Product: Debt collection

I filed a dispute with XXXX XXXX regarding a XXXX card that is reporting negatively on my credit report. 

I received a letter in the mail on XX/XX/2019 dated XX/XX/2019 stating that my account had been sold to XXXX XXXXXXXX XXXX  on XX/XX/2019. 

I never received a letter or any documentation from XXXX XXXXXXXX XXXX regarding any accounts and Im not even sure that this debt is mine. 

I received the letter on XX/XX/2019 and as of XX/XX/2019 its reporting negatively on my credit reports. I want it removed as I never received any documentation from this company and am not even sure that the account is mine.
Product: Debt collection

I don't recall having a contractual relationship with this collection company CREDIT MGMT. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Checking or savings account

On XX/XX/2023 a check for {$4000.00} was deposited into my Bank of America account ( that I had not been using due to it being in the negative ) by mobile. On XX/XX/2023 I noticed {$4000.00} in my account. I do not know where it came from, who deposited it, nor how it was able to be deposited in the first place. However, I naively transferred the money out not realizing the extent of the situation until my account was then flagged for fraud, closed, and then I was contacted by police on XX/XX/2023. Prior to this, I was unfortunately a victim of my card information being stolen and used to obtain {$840.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found multiple in accuracies ; XXXX account number XXXX also XXXX funding account number XXXX report across all three bureaus are different. 
2.Report as closed account on experian but report payment activity on Equifax 3 . Report different dates of the last payment on each bureau. 
4. payment history differs on all three.

Please remove it from my credit report. By the provision of the Fair Credit reporting act I ask that these items be removed. this is a clear violating pf 15 U.S.C 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S.C ( 1 ) a person shall not furnish any information relating to any consumer to any consumer agencies if the person has notified that such specific information is inaccurate. I understand that you must complete this investigation within 30 days under 15 U.S.C Sec 168i ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has helped facilitate a cover of fraud for one XXXX XXXX. On my Fico report dated XXXX his name popped up at XXXX. Since that time XXXX XXXX charged off fraudulent charges starting the XXXX of XXXX. I am getting reports from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  The XXXX XXXX XXXX XXXX, and XXXX XXXX. This XXXX XXXX explains the some odd 100 credit report inquiries since the first of the year.
Product: Student loan

I am ( at least attempting ) to be part of the public service loan forgiveness program. 

Because my employer helps me with my payment due each month, I have multiple payments each month that come in at different times to satisfy my monthly balance. Due to this scattered payment, I have tried multiple times to get guidance on what payments count in order to ensure my total payments are qualifying each month and I am not making excess payments that dont count towards forgiveness. 

The only regulatory requirement about the timing of the 120 payments is that they not be made later than 15 days past the due date, but I have been told that some of my bill satisfying payments may not be qualifying because they were made too early. I have been told completely inconsistent policies regarding early payments by different representatives and every time I ask for a written policy so that I can fully understand and ensure I am complying with it, I am told no written policy exists. 

After my number of qualifying payments reported by the XXXX XXXX  was far lower than the number I believed I had made, I promptly sought clarification. I was told the only way to review this was to make a formal request for a review of payments and wait for the company to complete a unilateral review that would take an entire year. This review would not provide any transparency or allow me to have a discussion with a human doing a review, all while 12 months of potentially qualifying payments pass while I am potentially still not making qualifying payments despite satisfying every bill because no one can provide me with a clear understanding of what the early paying policy for a monthly bill actually is. 

This lack of transparency and failure to communicate requirements that end up disqualifying payments that public service workers are diligently making on their monthly bills completely defeats the purpose of this program and discourages program participation.
Product: Debt collection

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it
Product: Credit card or prepaid card

Hello I was astonished after have a Barclays arrival plus for 6 years the card was shut down with no call no warning. I paid the annual fee every year of {$89.00} and never missed a payment. They wouldn't tell me on the phone the reason I had to wait for the letter. Letter came said they found negative public record identified. I checked records that I could online and nothing came up. I called to find out where they got the information from after being on hold for 30 min. I was told they do not have access to that info. 
After all this I had over XXXX points which I could redeem for travel they refuse to give me those points or use them as well as no refund for the additional month left of my year from the annual fee I paid. 
Please help Thank you
Product: Mortgage

My lawyer and I sent forms to guaranteed rate to apply forebearance last XX/XX/2022 and recieved two letters in mail from them stating they had recieved XXXX XXXX regarding to my forebearance application and sent to loss mitigation dept for farther review. I kept calling through XXXX XXXX XXXX because I'm XXXX  and they gave me runaround for four months. I kept calling and calling then I called last week XX/XX/XXXX and they said there's no file of any kind but only hardship letter from me. My lawyer called them and was told it was sent to proccessing dept and they found the file on XX/XX/XXXX. Lawyer was told the supervisor will contact me by email within 48 hours because its the best way to communicate because I'm deaf. I haven't gotten any email from the supervisor, Not a word from them and TODAY XX/XX/XXXX I called them through deaf relay service and spoke to someone at loss mitigation dept and they said my file, my forebearance application has NOT been reviewed. I asked to speak to the supervisor. They put me on hold more than 30 minutes and got disconnected. Im in a real bad financial situation. Because they took so long since XXXX and kept stalling and not doing thier job fast enough and they are very sloppy with the process of my application by not knowing where it went or whom to talk to or not responding me with correct answers or even any kind of confirmation of my forebearance application. Im extremely upset they took so long and being shut out because I'm XXXX Or what. I do not know. I want to report complaint against my mortgage company for the lack of respect to XXXX XXXX  man, by giving me a runaround, not to doing thier job in timely fashion. They failed to do so within the time limit required by the law