23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/2022, I requested to have my student loan payments during the pandemic refunded to me as they were voluntary payments. This amount is around {$5000.00}. I was informed via messenger from Mohela that my request was submitted and it would take 30 days to be processed. A month later in XXXX, I requested to have my student loans consolidated. I originally had 8 student loans and wanted them consolidated to show less loans on my credit report. My consolidation request was granted, but I never received my refund. After speaking with Mohela, I was informed that the U.S Department of Education took it upon themselves to cancel my request for my refund, and to approve the consolidation loan without speaking to me for clarification. The system is showing the consolidation loan was requested prior to the refund but that is 100 % inaccurate. I believe there is potential corruption in this decision. Someone could have pocketed my refund instead of giving it back to me. 

Im asking for money back that are my earnings and I was informed I could receive it back as a refund which would help me financially. On my end, I submitted the request correctly. I attempted to call Mohela and could never get on the phone with them. They were impossible to reach during this time. They still are! I spent three hours today attempting to speak with the resolution department. The only way I could reach them was via messenger on their website. This is how I submitted the request and they verified they submitted it for me. The resolution department is impossible to get in contact with. I called XXXX, and have no automated option to reach the resolution department. I go through hoops to speak with someone, and then they transfer me to the resolution department which never answers. I sit on hold for hours until I can no longer do it. I only have so much time in a Monday to Friday time frame business hours where I am available to speak to someone about this for help. It is exhausting. They are never available to help me. I am hitting a wall with this situation and it is wrong. I should not be penalized due to the inability of the US Department of Education and Mohela not being able to process requests orderly and timely. I spoke to the Department of Education and they confirmed Mohela is responsible for canceling my refund request and allowing the consolidation loan to process.
Product: Debt collection

I have no knowledge of this debt and would like for it to be removed from my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts were paid off and still shows a balance. Also closed accounts that were paid are still showing delinquent
Product: Credit reporting or other personal consumer reports

XXXX was force to stop servicing XX/XX/XXXX loans per the CFPB court case decision XX/XX/year>. MyXX/XX/XXXX loans were transferred to XXXX in XX/XX/year>. Experian is still reporting the balance of the XXXX account as {$79000.00} and is open. This is incorrect the balance is {$0.00} and account closed because the loans were transferred to XXXX in XX/XX/year>. See all other CRAs data. See documentation. 

This needs to be changed immediately per the FCRA in which you are in violation. 

As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, you are not allowed to propagate misleading information. Currently Experian is knowingly making false and misleading statements about my XX/XX/XXXXloan debt. 

Fix this immediately.
Product: Debt collection

I paid my {$310.00} medical debt in full to the company that owned it at the time, Action Collection Agency of Boston. On XX/XX/23, they cashed my check. 

On XX/XX/23 and again on XX/XX/23 I was contacted in writing by XXXX XXXX XXXX, who attempted to collect the same debt, this time for {$330.00} but for the same procedure carried out by the same provider on the same day. 

My guess is that Action Collection Agency of Boston both cashed my check paying the debt and also sold the debt to another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX shows my report at XXXX almost 200 points bellow my other reports. they refuse to answer their phone or return a call no one ever answers their phone it's a total scam that someone will. online they request I send hard copies of my SSN and DL through the mail .. extremely unsafe. they have no validation for the score being so low and it's a scam company.
Product: Vehicle loan or lease

Due to COVID-19 XXXX and XXXX I struggled with finances and was behind on car payments
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 I went to try to buy a car and the dealership kept pulling my credit even when I was not there.
Product: Credit reporting or other personal consumer reports

I am formally disputing this hard inquiry on my file from capital one that was made between XX/XX/XXXX, and XX/XX/2024 I did not authorize for my credit to be ran
Product: Credit card

Synchrony bank who holds HSN accts does not allow online viewing of statements & i do not receive them in mail from post office. Online keeps saying they are coming soon, but had been that way for XXXX  months. All i am able to see is total balance & payment due, no other info is shown such as interest charged & previous balance etc. i want to see this info
Product: Credit card or prepaid card

I opened a Wells Fargo credit card with 0 % for 15 months. I initiated a balance transfer of {$5000.00} dollars from my new credit card to XXXX XXXX XXXX sky miles card. It never posted to XXXX XXXX and I 'm being charged interest every month! XXXX XXXX claims they never received the money, Wells Fargo claims they sent the money at the beginning of XXXX. Wells Fargo ca n't provide me with any transaction info I if they actually sent it, where they sent it, or anything else. In this day and age, it ca n't be possible that transactions are n't easily traceable. This is absolutely ridiculous. I 've contacted both institutions multiple times, I 'm basically being robbed of money in interest.
Product: Credit card or prepaid card

On Monday XXXX XXXX I attempted to use a benefit of my Chase Sapphire Reserve credit card. It is part of My Chase Plan and called " Pay over time ''. There were three charges for which I wanted to use " pay over time '', you are allowed up to 10. All three are charges for XXXX XXXX XXXX XXXX Two are for {$6200.00} and one is for {$2200.00}. When I looked at all three they had the same information. It is 0 % interest and {$0.00} monthly fees. After completing the first for {$2200.00}, I went to the second. At this point the terms were changed. Now the monthly fees went to {$39.00} per month. A total of {$470.00} for the year on 12 payments with 0 % interest. When I looked the XXXX It was the same {$39.00} per month, 0 % and {$470.00} for the year. A total of {$940.00}. Nowhere in the information provided for " pay over time '' does it state that either interest or monthly fees would change after first use. I immediately called Chase to question this. I spoke with XXXX at Chase and was advised there is nothing that can be done. I spoke with a supervisor who repeated that once opened it was non changeable. I advised the system showed that the transaction was still pending, not yet completed. That made no difference. I requested if the payment could be switched to one of the larger amounts. Also denied. I was aware of the no change no cancellation policy after approval. I was not aware that my first use would change the terms going forward. 
This is how it was left until this request.
Product: Money transfer, virtual currency, or money service

I purchased cryptocurrency from crypto.com back in XXXX. Charge was made to my bank account but they didnt send me coins so I contacted to customer service. I didnt hear from them so I decided to dispute. Little while later, they froze my crypto account so I couldnt access to my asset for almost two months. I contacted to customer service again and they said the dispute was problem. I was told coin I didnt received was credited but I disputed so they froze my account. I didnt know they credited because I couldnt access to my account! So I had no choice but cancel the dispute. They finally unfroze my account and I found out they took the coin they credited. I already canceled dispute so I told them I want either coin back or refund. I provided the proof of the cancellation the bank gave me. But they kept saying that they accepted the chargeback so I have to ask my bank to release the funds. I called bank but they said chargeback or refund or money back are all go straight to my account. Bank dont hold the money and they dont even see any money came from crypto.com. I told them that but they are just keep saying they already accepted the chargeback so they cant assist further. Im still fighting with them but I need someone elses help. I dont thin my theyll give my money back.
Product: Mortgage

About Lending Tree that collected debts on my account and help me to fined a lender mortgage for my home loan.as a know Lending Tree was collecting debts and fine the lender mortgage to finance my loan.But now the Lending Tree was lost contact and connections regarding to my housing loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX  belongs to my ex. Divorce paper signed by the judge supplied. Paperwork clearly states the separation of debts. Unable to talk to reps because Im not the primary account holder they refused to talk to me but yet continue to acknowledge the debt holder being me I supplied proof and they continue to deny, without providing further explanations
Product: Money transfer, virtual currency, or money service

This morning around XXXX XX/XX/2022 a man calling himself XXXX XXXX saying he was calling from XXXX  XXXX XXXX my electricity company. He provided a badge number and sounded convincing. He said he was going to shut our electricity if he we did not pay our account. He said our account was red flagged and we owed money or they would shut our electricity immediately today. First, he said we owed XXXX XXXX He said we couldnt pay via mail or credit card in time to make sure the electricity stays turned on. He said the only way for an immediate transaction to keep the electricity on was to use XXXX  payments. Then after that payment he said you need to make a deposit and it will be returned to you right away due to an issue with the software. Then he said you need to make a deposit so that the account will go through {$480.00}. So, we gave him that. Then he said the last is a deactivation code but it will not be deposited for XXXX XXXX We were concerned and didn't want our electricity to be shut off. His phone number was XXXX. He said his name was XXXX XXXX and his badge number is XXXX. He told us to send to an official sounding XXXX  account : XXXX XXXX XXXX XXXX Name : XXXX. To this account we sent two payments {$390.00} and {$610.00}. Then to a XXXX XXXX account phone XXXX XXXX XXXX we sent {$480.00}. We thought it was suspicious afterward and called XXXX XXXX, they said this was a fraud. Then we called CHASE bank to file a claim with claim ID : XXXX. They said they would interact with XXXX. I thought of also filing a claim with XXXX, but XXXX does not allow that if you performed XXXX throught you bank. We also called the police and spoke with them about this incident. The man called again and we recorded him. He has been calling all day. We are scared and not sure what to do. As soon as we were suspicious we called XXXX XXXX and realized it was a scam and then called the bank right away. This is within 30 minutes of ending the phone call with the suspicious man. I saw online that if someone tricks you into paying a scam you are protected by the Electronic Fund Transfers ( Regulation E ). Please help me, I am just a student trying to helping my mom out with some bills. This was almost all of the funds in my bank account.
Product: Debt collection

During XXXX a was working but one day to other I XXXX XXXX XXXX they fire me to try to open my own business. After that I started my own business but as its known is not easy with a family and been the support and head of my house plus I got XXXX XXXX XXXX XXXX XXXX XXXX and I had to pay {$10000.00}. We struggled even to pay the rent on time. And I used my credit cards, I got to a point where the bussines needed a lot of investment and I did not have money to pay cards. When I realized my debs were very high and minimum payments were big that I could not afford it.. now things seem brighter and little by little Im building my bussines I know how important is to have a good credit that is why I want to restore it.
Product: Debt collection

There is a collection account shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case AFNI is attempting to collect as XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Product: Debt collection

On XX/XX/XXXX, my father notified me about a voicemail left by a representative named XXXX from Prime Recovery LLC on his phone. The message was intended for XXXX XXXX, mentioning paperwork for potential judgment and garnishment. Concerned, my wife called XXXX on XX/XX/XXXX, questioning how they obtained the number. XXXX replied that they conduct research. When asked about the matter, XXXX mentioned a collection from XXXX. My wife clarified that the debt had surpassed Florida 's statute of limitations and was not collectible. XXXX insisted on the debt 's validity, stating compliance with the FDCPA! 
Prime Recovery LLC has violated multiple laws when it comes to debt collection! XXXX violated my privacy, she is attempting to collect on a time barred account! The last payment was made was in XXXX! I live in the state of Florida, which is 5 years! My privacy has been violated! This debt is time barred! Refer to the voicemail that was left on my fathers phone!
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows that my payment was late when I had my payments deferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening ; I was going through my credit the other day and noticed a hard inquiry from a local dealership in MA that i never applied for or even step into any of those dealerships. I immediately called the dealership after XXXX XXXX and got routed to Sales Manager of XXXX located in XXXX MA, and he said that he doesn't see any record in his system but he said that it might be his sister store in XXXX. He said that he will reach out to them to get this resolved. My credit has been compromised and I haven't been looking for a vehicle for over 5 years. Again, i didn't authorize this and this is a breach of my personal privacy and want this removed immediately from my credit report. 
( XXXX XXXX/XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX, MA XXXX Auto loan. )
Product: Debt collection

I XXXX XXXX XXXX XXXX  XXXX ) have received several threatening phone calls on various occasions disrupting my peace and normal personal family obligations and responsibilities by continuously calling me threatening and harassing me about a 20 year old non eforceable debit that I'm not aware of entering into a contract that would obligate me to pay the debt that they verbally assert my indebtness without providing and contractual aggreements or promissory notes that the company states that I entered into for the purpose of an it education, yet when I request any documents, contracts or evidence to support that alleged material fact. After several requests for this evidence or proof of debt obligation I have yet to be provided with such only vague promised that as of today 's date has not been provided to even assertain that I in fact owe a debit they have the authority to collect on lawfully.i asked them to stop the treating calls and phishing for my personal identifies and private financial, employment, properties and current financial relationships with other financial companies that are in no way related or associated to this unverified or properly identified company without any authority to attempt to collect a debit that has yet to be proved that I'm in fact the correct debtor with the correct indebtness. Please formally file this complaint and investigate this matter to your fullest ability because I truly believe this is criminal fraudulent activity in furtherence of a criminal enterprise. 
The company harassing me identifies thereself as " XXXX XXXX XXXX XXXX '' Atempting to collect an debt for NAVIANT INC. I've been called and harassed by XXXX XXXX and XXXX XXXX claiming to be the supervisor while simultaneously attacking me via conference call with several other associates during the same phone calls. One phishing another harassing another falsely attempting to get me to agree to the unsubstantiated debt.
Product: Debt collection

Between XX/XX/XXXX-XX/XX/XXXX, XXXX College pulled out loans in my name after giving me false information and telling me that they would apply for free " financial aid. '' Telling me that that they would assist me in applying for free aid and grants that I did not have to pay back. I am a first generation college student of immigrant parents, and XXXX College took advantage of me to pull out loans fraudulently in my name with Sallie Mae/Navient. 

In XX/XX/XXXX, XXXX College Financial Aid Staff did not tell me or properly informed me that the " free financial aid '' that they were asking me to sign for, was in actuality private and federal loans. Loans that were pulled out with Sallie Mae ( AKA Navient ) had very high interest rates. Staff at XXXX assured me that I did not need to pay back for anything at all ever, since they had found free scholarships and aid from the government and other available programs to pay for school. 

XXXX College in XX/XX/XXXX originally informed me that I did not qualify for the CAL Grant, a grand available in the State of California. That was a lie, they actually applied for it and took the money without telling me. I did not find out about this until XX/XX/XXXXwhen I attempted to go back to school at an accredited XXXX College that informed me that XXXX College and other school like them used predatory tactics. And in essence scammed me and other people from getting a real education in order to apply for " financial aid '' as loans so that they could keep the money. 

XXXX College Staff and Teachers also lied to me about their accreditation and that their credits were fully transferable, when they are not and no accredited University will accept or recognize any credits from them. 

I have asked Sallie Mae/Navient for over 4.5 years for original copies of the debt or paperwork with any information or anything with my alleged signature from Sallie Mae/Navient representatives. And I have asked Sallie Mae/Navient to provide proof that XXXX College did not do anything illegal. And to prove that they did not apply or sign for loans in my name. 

Navient Staff have been threatening me with legal action or with ruining my credit if I do not pay right away. Their Staff has also offered me " deals '' or " offers '' to basically settle the loan or to pay a certain amount to get the fraudulent loans to good standing.

Navient Staff says that they will send me copies of the loans with my alleged signature and an alleged Master Promissary Note. It will be 5 years in XX/XX/XXXX, and I have still yet to receive any kind of documentation. Other than past due bills ( with no copies of the original debt ) or threats to pursue litigation or take me to court if I do not comply. I have never received any proper documentation of the debt from Navient. 

It is my understanding that this is illegal or unethical under the FTC regulations regarding collecting a private debt. I have asked for years for copies of the debt or to see any original paperwork, and I have refused to pay anything until I see proper paperwork that proves that I owe anything, and that nothing illegal happened during my time at XXXX.
Product: Vehicle loan or lease

Hello I purchased a vehicle from USA auto sales and they recently shut down and my account was transferred to Westlake portfolio. The issue is the interest rate changes and none of my payments was applied correctly to the vehicle. I made on time payment for over a year and was informed my balance did not increase as the interest rate was inflated and the service warranty I paid extra for was voided due to USA auto sales never sending the money to the warranty company. The new loan holder stated I would have to speak with USA auto sales to have this issue corrected or return to vehicle which would negatively affect my credit Score. They inflated the interest rate and did not apply the payments properly.
Product: Credit reporting or other personal consumer reports

Today, I found unauthorized inquiries on my credit report, and Im completely baffled. Ive checked my report as usual, only to find discrepancies that wont go away even after refreshing the browser. This situation is incredibly upsetting, and I urge you to thoroughly examine the documents I submitted to ensure this issue is resolved permanently.
Product: Debt collection

The collector said that, " You people fought for your rights XXXX. '' people meaning XXXX people. I told him to send me everything in writing and he said, " I 'm not going to write you, I 'm not your pen pal. '' He has called my wife at her place of work and was verbally aggressive. 
This has nothing to do with her. She has also advised him not to call her anymore.