23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for PSLF while working as an XXXX Farm to School Specialist last year, and my student loans ( that have been in repayment since XXXX ) were transferred to MOHELA. Prior, my student loans were serviced with XXXX, and then transferred to XXXX when XXXX went out of business. I have been using my XXXX XXXX XXXX to pay my student loans for about 2 years now, and I had no troubles doing so with XXXX. I always pay my loans a few weeks prior to their due date to ensure processing times do not interfere with paying my loans on time. Since switching to MOHELA, my student loan repayment has been an absolute nightmare. Every single month, they lose my payment, are not applying my payment to my account, are charging me interest for late payments, and are simply not even accepting my payment ( and letting it sit there without taking any action on my payment ) in some cases. I have had to call them every single month in order to have my money tracked down and account rectified and back-dated. On my XXXX  portal where I make payments to MOHELA, I can see if MOHELA has accepted, declined, or has not taken any action ( pending ) on my payment submission. They continuously accept my money, post it for a day prior to my loan due date ( which is the XXXX of every month ) and then I still end up with a notification that my payment is late. I provide receipts and have receipt of every single payment I have made, which has never once been late, and they have to open a case on my account every time to find the money. It usually gets found months later, but this takes hours of my time once a month and it is extremely difficult and frustrating to have to deal with this constantly. I am being penalized by MOHELA, getting interest tacked onto my account, and having my credit score affected when I have done absolutely nothing wrong and have the proof of that. Additionally, none of the customer service representatives are ever able to help me. I have been hung-up on and sent back into the pool of waiting customers seeking help because even when I choose the, " XXXX '' option from their menu selection upon calling, the customer service representative knows nothing about the XXXX process. I have done my due diligence and worked with XXXX as well when an issue arises each month, and they also confirm with me that this is a MOHELA problem that many customers are experiencing. Something needs to be done about this. This has been an absolutely horrible experience, and I am dealing with it yet again this month regarding my XXXX payments.
Product: Checking or savings account

Last XX/XX/2022, I applied for the U.S. Bank promo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have called U.S. Bank twice without a resolution. 

U.S. Bank indicated that I did not get the bonus because it coded as Q3... I doubled and tripled check my application that it was the correct code. Now its my word vs. what the system coded. I assisted my husband and daughter ( I literally filled out the application ) for the same promo. Their bonus posted and mine didnt. 

Please take note of my application date. Thats in Q4. How can the system code it as Q3? 

I told U.S. Bank that I wanted to escalate this and they provided me a snail mail address for their Complaint Department. I decided to revisit this issue after it was suggested that I email you for assistance. 

Thanks for looking into this.
Product: Debt collection

Debt does not belong to me and after research I have found National Credit System does not have License to collect in my state which is Florida
Product: Money transfer, virtual currency, or money service

I currently am planning on renovating my home into a XXXX and am working with a investment group who have accepted my offer to them to remodel my home at their expense for a cut of the profits upon completion. And as a gift to me and my soon to be wife they were to send us money to both of us divided between 2 accounts to make materials expenses and labor expenses separate. So we went to wells fargo to receive the funds electronically via wire transfer. But upon. The investors sending money to the ban one account was XXXX and the other was XXXX roughly wells fargo closes my account and her account and are stating it's because fraud. But I know that the funds did not come from a fraudulent source. And any transaction to my routing number is to me .. now the investors are telling them that I am the recipient and wells fsrgo is telling me that by technicalities they don't have to pay me the money. They are saying the money is to be verified by the sender in person firstly before I am allowed to have the funds. And even scarier to me. Anybody with their name can wall in the bank and withdrawal money sent to me easier than it would be for me. Construction has been completely halted and I'm unable to satisfy their requests to reopen or unblock my account. Wells Fargo is reluctant to talk to me or comply with regulations
Product: Credit card

Received a response to the original complaint which is not satisfactory. The introductory APR expired on XX/XX/. Regardless of the date of the statements, the interest rate charged to the balance transfer offer increased after XX/XX/. Therefore a payment made XX/XX/XXXX  and received by the company XX/XX/XXXX  should have been applied to the balance transfer balance, which was the highest APR of the plans at the time that the payment was received. The statement dates mean absolutely nothing. This is predatory lending and refunding a partial month 's interest charges while continuing to charge 2.5x the interest rate you are entitled to is not an acceptable response. The documents you sent actually reinforce my positron and prove that the date you applied the payment to the lower interest rate plan was incorrect. You have not complied with the laws and I will continue to file complaints and seek remedies to the fullest extent.
Product: Mortgage

On XX/XX/year> I contacted my current mortgage lender, U.S. Bank because I had received a letter ( dated XX/XX/year> ) that my mortgage had been sold to XXXX XXXX. I talked with XXXX representatives at U.S. Mortgage ; including the escalation department because I wanted to know if there was a way to keep my current lender, U.S. Bank. All XXXX representatives told me that this was a common practice and there was nothing to be done, other than refinance. However, refinancing does not help me at this time. My concern was that XXXX XXXX  is only available online, whereas, U.S. Bank also has a brick and mortar concern. I pay my mortgage online and in person. Since the global IT collapse these past few days, being able to pay my mortgage in person seems far more real than not. I then contacted XXXX XXXX to notify them that I had not received information from them about my mortgage, and should be receiving information 15 days before a payment was due to them. XXXX, the representative at XXXX XXXX notified me that I would be receiving information from XXXX XXXX no later than XX/XX/year> ( not within the 15 days before payment was due ), and that no late fees would be applied if they did not receive my payment after the first of the month of XX/XX/year> until XX/XX/year>. 

Although I am aware that selling mortgages is a common practice, I am not happy that my mortgage will be with XXXXXXXX XXXX, for reasons stated above, and to be quite honest for a few other reasons, as well. I also wonder if my mortgage was sold because I don't do any other banking with U.S. Mortgage and they feel that the amount of monies they receive from my small mortgage isn't worth their time. I'm sure that I won't receive a response to that statement, but it is just as real.
Product: Debt collection

Never received notice of collection nor proof of debt/breakdown of fees. Disputed w credit bureaus but never received response for request of debt validation. Has caused extreme damage to credit report. I want proof of debt including all names of contact, dates, what was sent and to whom & also written contract that states this can be reported. I also need original creditor info and alleged date account opened and closed with them. Also need information if any and all other creditors whom attempted collection on this alleged debt and how much debt was sold for and date sold, these are my rights under fcra. This collection was removed from XXXX but not XXXX or XXXX. 
I consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : lockhart morris and Montgomery Account Number : XXXX 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 I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you al- low me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountabili- ty Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXXXXXX XXXX XXXX  to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as fol- lows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Mortgage

XXXX XXXX XXXX XXXX ( formerly Nationstar ) purchased condo insurance coverage ( HO-6 ) on our behalf that we already have on our current master policy. I have tried repeatedly to correct the problem, including providing a copy of our master insurance policy and making three separate phone calls. After each effort, I was informed that we had adequate coverage and that I did not need to take further action ( i.e., purchase additional coverage. ) Our mortgage was transferred from XXXX to Nationstar on XX/XX/XXXX. We were informed that our condo insurance had expired ( which it had not ) and that I needed to provide a copy of our master. It was faxed XX/XX/XXXX and when I followed up with a call on XX/XX/XXXX, I was informed, per automated message, that our records had been updated and that no further action was required. We then began receiving letters informing us we needed additional coverage. On XX/XX/XXXX, I talked to Customer Care Specialist ( CCS ) XXXX, who informed me that our info from our master had been incorrectly input, that she would correct the problem, and that we had adequate coverage. Subsequently we received another letter informing us we needed additional coverage. On XX/XX/XXXX, I talked to CCS XXXX, who made a three-way conference call to our condo insurance company and talked to XXXX ( XXXX XXXX. XXXX, XXXX XXXX, MO ), who confirmed that our master does indeed cover HO-6 (  aka " walls in '' ) coverage. XXXX agreed to remove the insurance purchased on our behalf by Nationstar ( now known as Mr. Cooper ), including all charges. In XX/XX/XXXX, we received our latest escrow analysis and the charges for the unnecessary insurance have not been removed and our monthly mortgage payments have been increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of finding a new apartment. My current lease ends at the end of this month. I've recently found a new apartment ; however, the new leasing office ( XXXX XXXX has been unable to pull my Equifax credit report, after various attempts. The leasing office receives an error telling me to contact Equifax. I've been calling Equifax numerous times a day over the past week, but they continue to quickly tell me that my file is not locked and that there shouldn't be any issue. The apartment is being held for 7 days, but I need to get this resolved ASAP or I may end up without a place to stay..The leasing office is  using a company XXXX XXXX to pull the credit report. I've confirmed that they are submitting my information correctly, but still it returns that it is unable to pull my Equifax Credit Report.
Product: Checking or savings account

Someone stole a $ XXXX check from the mail that was meant to go to the IRS for estimated tax payment. This person washed all of the writing on the check and replaced it with a new recipient, memo, forged the signature and deposited the forged check into their bank account. I filed a police report and sent a ton of evidence to the bank showing the fraud but the bank is saying that since it's been more than 30 days they can not do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a part of and continues the matter of controversy under CFPB Complaint Nos.  XXXX and XXXX. Equifaxs response is incomplete and insufficient as it fails to answer the threshold question : 1. Whether their purported verification included validation of the fact that I had debt cancellation insurance coverage on the credit card accounts in question during the periods in question that, upon the filing and payment of my insurance claim resolved any alleged delinquency, retroactive to the date of the alleged delinquencies, and therefore there were no delinquencies upon said credit card accounts.
Product: Debt collection

Ally Financial reported my car loan account to the credit bureaus falsely as a Paid Charge off with $ XXXX written off. I paid this account off in full in XXXX  and they are still reporting negatively on my credit and dropping my credit scores. I have tried contacting Ally to get this matter resolved and they wont help me. This is preventing me from getting a mortgage loan.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result, I request that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were unauthorized and should not be listed on my credit file. 
Accounts : XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$94.00} XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$470.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$150.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$470.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$94.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$500.00} XXXX. XXXX  XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$530.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$470.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1100.00} Inquiries : XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  o Date : XX/XX/XXXX XXXX. XXXX o XXXX : XX/XX/XXXX
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 168 I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Please check the information concerning the Experian data breach below in attachments
Product: Credit card

The company is Barclays bank and the credit card is the jetblue credit card. 

I logged in to my account to find a message saying the account was locked and that i needed to call customer service becuase there were transactions that needed to be reviewed. I called customer service XX/XX/XXXX and was on hold for XXXX  hours and XXXX  minutes. I eventually hung up and decided to call the next day, XX/XX/XXXX. 

I called customer service on XX/XX/XXXX and have been on hold for over XXXX hours already. I sent a message to the customer service team through the online website, but they told me that they can not help me and that i have to call the customer service team. 

I can not get a hold of anyone at this company and can not pay my bill or make any transactions. I need to just get in touch with someone at this company!
Product: Credit card

On XX/XX/XXXX i received a notification on XXXX XXXX that i had a new hard inquiry on my credit account. Immediately after, i received an email from Capitol One Credit Card Company that I had been approved for a Platinum Credit Card with a {$2000.00} limit. I immediately called the Capitol One Fraud Department and reported it as fraud. They said they would mark it as fraud and close the account. 

On XX/XX/XXXX I called both XXXX and XXXX to report the hard inquiry as fraud. They both told me to submit an FTC Report and send the report to them, only then they would be able to get to work to remove the hard inquiry on my credit report.
Product: Debt or credit management

KIKOFF LENDING LLC, I am writing to formally demand that you cease and desist all further communication and actions regarding any purported loan or account associated with my name. I have become aware of deceptive and fraudulent practices employed by your company, and I refuse to tolerate any further harassment or misrepresentation. 

It has come to my attention that KIKOFF LENDING LLC falsely reported a loan on my credit report, under the guise of an alleged savings account, with the promise of boosting my credit score by XXXX to XXXX points. However, over a three-month period, I only observed a minimal increase of XXXX points, which falls far short of the representation made by your company. 

Subsequently, after I requested the closure of my account, KIKOFF LENDING LLC proceeded to provide false and derogatory information to credit bureaus, tarnishing my creditworthiness and integrity. This action is not only malicious but also constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I demand that you immediately : Cease all attempts to report false information about me to any credit bureau or third party. 
Cease all attempts to collect any alleged debt from me. 
Remove any derogatory remarks or false information already reported to credit bureaus. 
Confirm in writing that you have complied with these demands within 30 days from the date of this letter. 

Failure to comply with these demands will result in further legal action, including but not limited to pursuing damages for defamation, violation of the FCRA, and any other applicable laws. 

Furthermore, I intend to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the fraudulent and deceptive practices of KIKOFF LENDING LLC. Your unethical behavior must be brought to the attention of regulatory authorities to prevent further harm to consumers. 

Please be advised that I am retaining all records and documentation related to this matter and will not hesitate to pursue legal recourse if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX was not deleted. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. I want the account removed expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX  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, 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 XXXX XXXX XXXX. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : DEPT OF ED/XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX & XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXXXXXX XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with XXXX  2 credit reporting. I have evidence to prove my case