23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Mohela services all of my student loans and the accrued interest they are showing is significantly higher than when I manually calculate the interest. For example, my current outstanding balance is {$17000.00} with interest rates ranging from 3.15 % to 6.55 % ( weighted average 4.71 % ). As of XX/XX/2024, Mohela is showing my monthly accrued interest at {$190.00} for the month which calculates to a 13.5 % annualized interest rate on my balance. None of that makes any sense to me. In addition, I am supposed to be receiving a 0.25 % rate reduction on all of my loans for having auto-pay setup on my account which I can not confirm is being applied to my payments. So far, I have been unable to get any info from Mohela - calling them is fruitless as I have always gotten a robo-answer saying they are seeing unprecedented call volume and to please stay on the line or visit the website. I have waited for upwards of XXXX minutes at a time and still was not connected to an actual person.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXX/XX/XXXX
Product: Checking or savings account

XX/XX/XXXX, XXXX received a call from Chase Bank XXXX suspicion of fraud. I call that same number back, yes Chase bank XXXX XXXX, I explain previous call, no that is suspicious. go into branch to discuss. Realize once at that branch, XXXX XXXX XXXX up ATM was used to get money from my mothers account with my debit card? 
My debit card is set up to my checking account, not my mothers accounts. XXXX XXXX, ( XXXX XXXX XXXX ) investigates, says looks internal! She files a claim with fraud department and advises I File a police report in XXXX. 

Go to XXXX Police station file a report with XXXX XXXX. several weeks later I contact XXXX. XXXX ... he has subpoenaed video XXXX XXXX up ATM where fraud occurred. 
Discovers a young male walking up to ATM, creating a wallet and withdrawing money. 

Now I am told they believe that I was involved, so no monies returned and case closed. 

My question is how can someone w/d money from XXXX account with the debit cad from another account? The bank responds, we now have smart ATM 'S. case closed
Product: Credit card

I asked them to lower the rate and lower what I owed on the card but they said it cant change and Im falling behind
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT INFO REFERENCE NUMBER XXXX U.S BANKRUPTCY COURT I HAVE REACHED OUT TO TRANSUNION SEVERAL TIMES TO REMOVE THIS PUBLIC RECORD OFF MY CREDIT REPORT I HAVE ALREDY GOTEN XXXX  AND XXXX  TO RESOLVE THIS PROBLEM THIS BANKRUPTCY ON MY TRANSUNION FILE SHOULD NOT BE THERE BECAUSE I DIDNT FILE FOR BANKRUPTCY THIS IS INCORRECT INFO
Product: Credit card

Discover Finance has been calling about my credit card debt. This is Sunday, XXXX XXXX. They have called XXXX times today. They call XXXX or XXXX times everyday. I have contacted them XXXX times by mail. I have explain why I can not pay pay now and proof of what I am going threw. They will NOT work with me. Discover number is XXXX XXXX XXXX. They peatedly use the phone to annoy me. Knowing I have very poor health.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX a charge-off & closed account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXXXXXX FOR {$14000.00}. 
to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XX/XX/XXXX for {$14000.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERAIN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. 

XXXX XXXX XXXX HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE OR ANY INFORMATION VERIFYING THIS DEBT BELONGS TO ME.
Product: Student loan

XX/XX/2020 Called XXXX XXXX XXXX at XXXX, was told that they had requested my loans from Great Lakes Education in XXXX of 2020 in order to place me on the public service loan forgiveness program. 

XX/XX/2020 Called Great Lakes Education at XXXX, was told that XXXX  XXXX XXXX is not accepting new transfers of loans until after the COVID pandemic and that I would be required to make standard repayments which is over {$2000.00} a month. 

XX/XX/2020 Called XXXX  XXXX XXXX at XXXX to inquire about this, they stated this information is not accurate. 

I need Great Lakes Education to release my loans to XXXX  XXXX so I can be placed on an income driven repayment plan with public service loan forgiveness.
Product: Debt collection

Immediate removal of all credit reporting for failure to send the notice of rights to dispute to my correct address. Resurgent capital sent a notices to the wrong addresses. All responses will be used to seek damages if need be in third district small claims court.
Product: Payday loan, title loan, or personal loan

I have submitted a previous complaint about this company, XXXX XXXX XXXX, and never heard back. During that time, my husband suffered a XXXX XXXX and I was focused on other things, so when I finally checked on the status of the complaint, they had closed it. Their response stated that my name was not on the loan and so they couldnt talk to me, even though I had submitted a P.O.A. previously. 

I had called them dozens of times trying to resolve this matter to no avail. We had MORE THAN repaid the loan, but with interest being raised to 90 %, I could never catch up. I ended up giving them back our car rather than have to deal with these people. 
I basically let it drop, but decided to contact them again about 4 weeks ago. I got an email response again saying they couldnt talk to me. I immediately emailed them a copy of my P.O.A. for my husband and have not heard back from them. I have emailed them about 4 times, never hearing back. 

What they did was unconscionable at a time when all I wanted to do was resolve the situation and my husband could not talk due to his XXXX. The details were in my original complaint that I have attached. 

I really hope you can help, not just for us, but for others in the same situation. Very sad to be so taken but what seemed like a reputable company.
Product: Credit card or prepaid card

Target credit card was unpaid from XX/XX/XXXX until XX/XX/XXXX. I thought I had signed up online for automatic pay from my checking account. I didn't realize the payments weren't coming out of my account. I was a XXXX XXXX and had changed addresses so I didn't receive notices in the mail. I didn't realize I was past due until I started receiving phone calls that I was past due. I immediately paid the balance in full. Target was unwilling to work with me to remove the derogatory information from my credit report. If you look at my entire credit report, I have only had one other issue with a student loan. Everything else has been paid as agreed.
Product: Mortgage

On XX/XX/XXXX, my loan officer emailed me and asked me to " send over all of the requested documents '' needed for a verified pre-approval on a mortgage application.

I was shocked that she apparently expected me to reply to her email with all of my sensitive documents attached. If the security of these documents is compromised by the loan officer I would be attacked by all kinds of scam artists. These scam artists would know my account number and account balances causing me to be more susceptible to scams.

I messaged the loan officer through the bank portal and suggested that I should securely upload the documents through mortgage portal instead of sending them via email. I am horrified by my experience. It makes me feel much less confident in this bank.
Product: Debt collection

In XXXX I took out a 2nd mortgage, XXXX XXXX XXXX, for {$71000.00}. 
In XXXX They sold the loan to XXXX XXXX XXXX XXXX XXXX XXXX sold and closed XXXX. 
In XXXX of XXXX I became delinquent, due to loosing my job. 
In XXXX of XXXX XXXX  charged off the loan, after telling me they were going to foreclose. 
They could not foreclose, because XXXX didn't assign the deed of trust to them. 
They turned the debt over the their collections dept, XXXX XXXX XXXX 
In XXXX XXXX XXXX XXXX sold the debt to Real Time Resolution. 
In XXXX of XXXX XXXX assigned the deed of trust to Real Time Resolutions, even though they did not own the loan, because they sold it. 
In XXXX of XXXX RTR substituted trustee to a law firm, who filed a note of default. 
They placed my home on a foreclosure websight for {$71000.00}, and for a fee they can get my address and drive by. 
I think it's illegal for the original loan agency to sell the assignment of deed of trust, 12 years after they have sold the loan. 
I admit I owe the money, but they don't have the right to my home of 30 years, since they obtained the deed of trust from someone who had already sold the loan. 
Legally they have a right to attempt to collect a debt NOT secured by my home. 
I want to keep my home.
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. 

US DEPT ED : # 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 ( ORIGINAL CREDITOR : XXXXXXXX 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 XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # 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 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: Credit card or prepaid card

I have raised a dispute over a {$400.00} refund I was supposed to receive, but have not. 

Multiple times so far, the dispute had been denied and it had turned out they werent even looking at any documentation I provided. Each time the dispute is denied, I have since sent over very detailed documents describing the exact situation and why I am expecting a refund. 

They have now denied my dispute again because the merchant has already sent over a credit because I already received {$400.00} from the merchant around the same time of the dispute. However, as my documents show, I am expecting 2 separate refunds for {$400.00} each and I clearly only have one refund in my account.

This dispute has been going on for over 6 months and I have not been able to speak to anyone at the bank who actually was a part of this particular dispute investigation- forcing me to re-explain everything from the beginning each time I contact in, and provide the same documents over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

XXXX XXXX XXXX  has reported late payment on my credit report fromXX/XX/2018-XX/XX/2018 140 days late payment this car was totaled lost and account was close this year XX/XX/2018 with a {$0.00} Balance XXXX XXXX XXXX   is reporting false information on my credit report and now as added back the dedit under the FCRA LAW DEDIT COLLECTOR CANT REPORT FALSE IMFORMATION ON MY CREDIT I will sus this company if this is not removed off my credit they have added this to my report with out my knowledge and has affected my credit score This company Is not right and this is against the law
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, 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 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: Credit reporting

My name is XXXX XXXX, I have disputed with Equifax for a wrong collection item on my Equifax credit report due to identity theft several times and also with XXXX, but Equifax is not willing to solve the issue and remove the incorrect information on my credit report due to identity theft. 

I get an identity theft on XXXX. I lost my wallet on XXXX XXXX, which include my SSN card, WA driver license, XXXX XXXX ID card and XXXX XXXX insurance card inside my wallet. I moved to XXXX XXXX on XXXX XXXX, for XXXX position in University XXXX XXXX California XXXX XXXX XXXX XXXX. I received a bill from XXXX XXXX XXXX XXXX XXXX located at XXXX, said that I have done XXXX at their clinic at XXXX XXXX. This is not possible as I am not even live at XXXX that time. I have Offer from XXXX indicated that my start date is XXXX XXXX, XXXX. This is due to identity theft and someone used my SSN, name, XXXX and old XXXX insurance card I lost before. I called XXXX XXXX XXXX immediately to stop my insurance coverage after I receive the wrong bill from dentist. I have called XXXX XXXX XXXX XXXX XXXX many times but they refused to remove the bill but just want the money which was not belonged me, but someone stolen my identity and insurance card. Finally, the dentist called the collection on XXXX for bill not belong to me, and messed up my excellent credit. I have disputed this with Equifax on XXXX but they do n't remove the collection from my account. I filed dispute with Equifax again on late XXXX for identity theft and required to remove the incorrect collection item on my credit file ( Dispute Confirmation number XXXX XXXX ), and attached the evidences ( the offer letter from XXXX stated my work start date ), but Equifax replied me with same message again and again, indicated that because the original creditor provides them my name XXXX DOB and SSN correct so it is belonged to me, which is of course not an strong evidence as I already mentioned before that my lost wallet include all this information. 

I have submitted the same dispute to XXXX and XXXX, and after investigation, they XXXX deleted the incorrect collection file on my XXXX and XXXX credit reports. I filed XXXX complain for Equifax ( case number XXXX ), but Equifax gave me same response again and again without seeing any of my disputing information, that they will not remove the incorrect collection item on my file. Even the worse, Equifax updated the collection in my report with increased amount of money recently and my credit score dropped XXXX more points in XXXX XXXX. 

I always have very clean credit history from XXXX, with no late payment at all. I have no reason to not pay this small bill and ruin my credit unless it is not belonged to me. Equifax is not listen to what customer told them and only listen to creditor 's information. This is not fair to me. Equifax should delete the incorrect collection item in my credit report file due to incorrect information and identity theft due to Fair Credit Reporting Act. Please help me on this issue with Equifax to remove the incorrect information on my credit file. Thank you so much!
Product: Mortgage

I am writing this letter to explain the unethical practices that my current home mortgage servicer Select Portfolio Serving Inc. is ding with my loan and ultimately life. I apply for home assistance program due to changes in my financial circumstances. When I applied for the program, Select Portfolio Serving Inc. qualified me for home assistance program. After going back and forth several times, Select Portfolio Serving Inc. informed that, I do not qualified for program without a valid reason. I was working with a representative name XXXX XXXX, he informed me that Select Portfolio Serving Inc. do not participatXXXX in Home Affordable Modification Program HAMP government program and he had not seen anyone getting awarded this program from Select Portfolio Serving Inc. Then I inquired that, if they have other internal modification program and he responded that Select Portfolio Serving Inc. does not disclose that information. Select Portfolio Serving Inc. has informed that soon my house will be on foreclosure. It is extremely difficult to work with Select Portfolio Serving Inc. as they are not listening to me at all. This is very unfair to a hard working like me and substantially injurious to my family. As a consumer, I feeling that I absolutely have no power over these huge financial firms. 
I am a hard working individual and live in the home with my wife and XXXX kids. I do not want to lose my house and even more, I do not want to be a prey to unethical behavior of Select Portfolio Serving Inc. As a regular of law, please assist me in correcting Select Portfolio Serving Inc. unethical behavior, so they can work with me on my loan modification process.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXXXXXX 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXXXX/XX/2022.