23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was previously serviced by My Great Lakes, however after submitting my first Employment Certification Form for XXXX XXXX XXXX XXXX as a local government employee I was transferred to Mohela. I never had issues with XXXX XXXX, but Mohela is now becoming a massive headache. 

On or about XX/XX/XXXX, I noticed my Mohela account added an " alert '' to my account ( amongst other generic information for all borrowers ) that stated : -- - Renew Today! If we do not receive your income-driven repayment plan renewal request immediately, your payment may change and capitalization of unpaid interest may occur. To renew, sign into XXXX and select? Apply for an XXXX XXXX XXXX.? 
-- - Digging further into other pages on the MOHELA website, I noticed that they stated my XXXX Plan Renewal Date as XX/XX/XXXX. However, previous written guidance from XXXX ( https : XXXX ) stated that nobody would need to recertify prior to XX/XX/XXXX. If your recertification was noted to be before that date, it would be pushed back by a full year ( XX/XX/XXXX in my case ). There has been no official statement, message, or email on my account from Mohela other than this easily missable " alert '' compared to XXXX XXXX which sent clear reminder notices as the dates approached. 

I reached out to the XXXX XXXX XXXX XXXX XXXX based on the contact information listed on studentaid.gov. Unfortunately they stated that for XXXX XXXX XXXX I would need to contact MOHELA. 

When I called in to MOHELA early this morning, I had to hold for approximately XXXX minutes which was a pleasant surprise given the horror stories I'd read previously on hold times. The rep that was " in training with [ her ] mentor present '' said my plan shows it expired last month with them but my payment will continue as it was pre-COVID until I recertify again and it's " just something everyone working with it knows ''. 

I don't think something with as much baggage as federal student loans should be handled in such a cavalier/informal manner and submitted my FSA complaint after that as I do not want to end up in a situation where it is stated that I did not try to address this. 

My XX/XX/XXXX payment processed as normal for {$290.00}. As of checking my account on the morning of XX/XX/XXXX, my next " XXXX XXXX XXXX '' is {$640.00}. This clearly contradicts what I was told over the phone and is noncompliant with FSA guidance. 


Further, my federal loan and my private loan through XXXX, which is also serviced by Mohela, are getting crossed somehow. Since federal loan repayment resumed, I get monthly notices with XXXX logos stating my federal loan amount ( {$290.00} ) instead of the private loan amount ( {$550.00} ). This is further negligence in the way Mohela is handling my account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was writing to inform you that there are still items are my credit report that are not mine XXXX, US Dep ED and XXXX XXXX. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm doing this on my own behalf.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX-Debt final Rule 1002.142 ( b ) ( 4 ) -51002,142 ( b ) 7, I kindly request that you block this information from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act I am a victim of XXXX  XXXX  of Debt XXXX and would like for all listed Accounts to be blocked and deleted company information TransUnion.Please delete the following Account XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i got a copy of my credit report and there are inquiries i do not recognize, Lazega and johanson llc on XX/XX/2020 XXXX XXXX on XX/XX/2020 and XXXX XXXX XXXX on XX/XX/2020
Product: Debt or credit management

This was already paid off by a 3rd party company and is now affecting me getting approved for other places to live.
Product: Debt collection

My lease was up the end of XX/XX/2022. I moved and left the apartment spotless. It was impossible to get holt of the new management company. Two phone numbers and they say " NOT SET UP FOR VOICEMAIL. " When I left without a walk through because I couldn't reach them, I gave my keys to the old maitance man. We were tired of getting eaten up by bedbugs and I was tired of maintaining the property. Mowing, cleaning the pool, cleaning the laundry room. Everything that broke I paid for and fixed. Last summer my AC went out, they brought me a small AC. For 1 month I tried to reach them because it was XXXX and XXXX degrees all day in the apartment. I finally called code enforcement, she came out and the next day I got the correct AC unit. I also went to the office but Noone was ever there. So 2 days ago I get a letter from Rent Recovery saying g I owe {$750.00} They said they will turn it into the credit agencies. She said it was for damages and no walk through. I told her why am I just hearing about this now? I have been waiting for my deposit to be returned. I feel they owe me money, there a joke as a management company.
Product: Mortgage

I have a check from Chase mortgage that was due to me from a closed loan. It was misplaced and I found it and asked for replacement due to date on the check. 
They said they are not required to reissue since it was not cashed XXXX
Product: Debt collection

I joined XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX , XXXX , Florida XXXX on XX/XX/XXXX. I am XXXX years old and was concerned about using the club in future, but the club representative assured me that I could cancel at anytime with no penalty. In XX/XX/XXXX, I had only used the gym a few times and was having a few health issues so I called to cancel, with no success. I had set up a monthly fee on my XXXX. I wrote the XXXX XXXX XXXX, per the XXXX XXXX Contract, and told them I was giving them 30 days notice to cancel my account. I mailed the letter certified mail with a copy to XXXX XXXX XXXX XXXX, XXXX too. I receive calls and texts every month and today I received a collection letter from debt collector suggesting they would damage my credit unless I pay. Thanks for your help.
Product: Student loan

Mohela has been adding interest to my federal student loans since XX/XX/year> when 0 % forbearance started for the SAVE plan due to litigation. Mohela also did not honor interest subsidy on the SAVE plan prior to the forbearance and added money to my balance that should have been forgiven when SAVE plan was viable. 

They are illegally adding interest to my loan despite federal law.
Product: Credit card

My VISA is issued through Elan Financial for Fidelity Rewards. A few months ago someone opened an XXXX XXXX  account with my credit card. How they got my credit card number, I'll never know. There is a monthly charge of {$86.00} that appears on my statement. I dispute the charge, Elan agrees it is fraudulent and credits my account. They also issue me a new card with a new number.

A month later the same thing happens, with the new number. I go thru the process with Elan again and they say they can block XXXXXXXX XXXX  specifically. The charge is credited, I get a new number, and... 

A month later it happens again. Apparently they can't block the merchant. This has happened four times so far. 

Elan explains to me that VISA, not them, is telling XXXX about the replacement credit card number. I called VISA directly and learned that they have a product called " VISA Updater '' which merchants who make periodic charges, like XXXX, pay for that informs them about the updated credit card numbers. You can imagine how frustrating it must be for XXXX, or XXXX, or whatever-service when monthly charges are declined because the number is no longer valid. This service would be handy for them.

This means that this fraudulent charge will continue as long as I have this credit card account. VISA says I can always dispute it, which I have been. They also suggested I contact XXXX and cancel the account. How will XXXX know what account to cancel? I am not going to read a credit card number to them in hopes of them finding the fraudster and cancel his account. I have never used XXXX let alone open this account. 

VISA and Elan tell me my only choice is to cancel the credit card account altogether and apply for a new one - a brand new account will break the link. That is my next step.
Product: Credit card or prepaid card

I reported a fraudulent charge on my PNC Cash Rewards card in XXXX, XXXX. PNC promptly cancelled the original card and reissued me a new one. 
I set up the original card to use the scheduled balance transfer feature provided by the bank. The bank did not use this feature to pay toward the {$41.00} remaining balance as agreed. 
The balance of {$41.00} was instead transferred onto the new card. I did not put any new charges on the new card. It was also not made clear to me that the same automatic transfer feature was not active on the new card. 
This issue was brought forward to me on XXXX XX/XX/XXXX, when a PNC agent called me notifying me that my credit card account was delinquent due to an outstanding balance of {$100.00}, consisting of the original {$41.00} and miscellaneous late fees and interest charges. 
I contacted the bank to rectify the impact on my credit report to no avail. I also requested a verbatim copy of the Card Replacement Disclaimer to no avail. I have to resort to CFPB to receive a  satisfactory response on this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following accounts need to be removed as they are fraudulent. 

XX/XX/XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} and XXXX XXXX XXXX Date openedXX/XX/ Balance {$40000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note XXXX sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Mortgage

Dovenmuehle, a loan serviced in Illinois is really giving me a runaround on my mortgage. They missed paying town taxes ( thousands ) and after alerting them over a month ago they have taken no action to resolve. I am promised a call back and they never do. 
Now, I received a letter that they are moving my loan to another services with less than one week notice. I feel like I am being SCAMMED, how can a business function like this.
Product: Debt collection

Toyota Motor Credit XXXX XXXX disputed item for {$3000.00} XXXX XXXX sent debt validation letter XXXX XXXX mailed certified letters information about debt XXXX XXXX mailed letters to attorney general with log sheets of actions taken
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account.These fees were assessed having sufficient funds available at the time the transactions were authorized. However due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Payday loan, title loan, personal loan, or advance loan

My monthly installments are due on the XXXX of each month. Due to unforeseen financial crisis, I have not been able to reach the payment on that date, however able to make the payments the following pay period. I requested to change my due date but was told I wasn't able to. Due to my financial situation I am able to make the monthly payments towards the principal loan, unfortunately this incurs late fees, which I am unable to pay in addition to the principal at this time. 

One Main Financial continues to call my personal cell during work hours at least five times a day from several anonymous phone numbers : 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've requested them to please stop calling during work hours threatening to confiscate my vehicle.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not complete and accurate. Open date is not reporting correctly, date last active, date of last payment is not correct, these accounts are not accurate
Product: Credit reporting or other personal consumer reports

Account # XXXXXXXX XXXX XXXX Amount : {$520.00} Pursuant to XXXX XXXX XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to XXXX XXXX XXXX b XXXX. They also have no permission to REPORT anything using my info pursuant to XXXX XXXX XXXX XXXX. 

I reached out to the original creditor ( XXXX XXXX ) and they have it on a recorded line that I do not owe anything to them & never had a balance, therefore this should not be on my report. it is an inaccuracy that needs to be fixed asap. in order to fix this inaccuracy, it needs to be removed from ALL of my credit profiles.
Product: Checking or savings account

ON XXXX XXXX AT AMERIS BANK XXXX XXXX XXXX XXXX XXXX I APPLIED FOR A LETTER OF CREDIT AND A BANK ACCOUNT AND I WAS DECLINED WITH 1 TO 2 HOURS..It was a violation of The Fair Credit Reporting Act,15 u.s.c. 1681 et seq..CHAPTER 542, FLORIDA STATUTES , CHAPTER 517, FLORIDA STATUTES , CHAPTER 68, FLORIDA STATUTES , CHAPTER 501, PART II AND CHAPTER 895, FLORIDA STATUTES.AND MY DOCUMENTS/INSTRUMENTS WAS NOT RETURNED WITH MY PERSONAL INFORMATION ON ITOR A DECLINED STATEMENT LETTER
Product: Money transfer, virtual currency, or money service

XXXX  scam came from Chime bank and whe I answered no I didnt make the charge in question {$5000.00} disappeared from my account. I filed a dispute and they closed it in under 24 hours even though they have the account that stole the money and before police IC3 report could be submitted. I have called multiple times and was told a rebuttal was in process but that was not accomplished until over 10 days. XXXX  chime tag XXXX XXXXXXXX using a phone number from chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX
Product: Checking or savings account

On XX/XX/2023 received emails that someone open an online checking account in my name and changed my email call bank today and they closed the account out.
Product: Mortgage

I am a single homeowner, solely responsible for my mortgage. I unexpectantly became unemployed due to no fault of my own. I requested a forbearance and received it. After the forebearance period I started making payments again. In desperation I had to take jobs that were not suitable for me. I lost my job again, then I started having symptoms of COVID and I have not been able to look for new employment. My mortgage servicer started the foreclosure process. They gave me false hope that they wanted to help me. 
Their solution is a scam that takes advantage of a persons hardship. 
I have been paying for my mortgage since XXXX. I used money I made from the home I owned since XXXX to help pay a down payment on this loan. So in reality everything Ive paid as a homeowner is tied to this home and loan. 
The servicers or XXXX XXXX solution is to modify the loan to a 40 year loan. 
That is nothing but a scam that will never allow a person with a mortgage get on their feet an actually one day own their home. 
Its unethical and needs to be regulated and scrutinized. XXXX XXXX was set up by Congress. There should be oversight into this type of homeownership scams? How can this be allowed? Why is there no help for a person in my situation? I do not want to lose my home but a 40 year mortgage is ridiculous. Id be XXXX before I could pay it back. 
The money that goes toward housing counselors is a joke.its wasted money that would be better spent with a Ethics committee overseeing the housing industry and services XXXX XXXX  and PNC are using unscrupulous immoral practices to hang desperate homeowners. 
Where is congress? Where is help? Where is hope? 
Its all a scam! This needs to be made public,. 
No one deserves to be taken advantage of in this way.
Product: Mortgage

I was approved for a forbearance during XXXX, but was also terminated from my job. My dad ( a veteran ) died from XXXX, so I requested an extension for the forbearance and was approved. I was denied unemployment and during the appeal process, a librarian helped me fax some papers. She informed about the Mortgage Loan Assistance for Alabama. I applied but was denied because they said my loan was over the {$50000.00} maximum. I went to XXXX XXXX XXXX for assistance. I was told the mortgage company could accept the {$50000.00} and apply the partial amount to me ( since it would primarily have been for escrow due to taxes & insurance ). Then, I could modify anything over the {$50000.00} and get back on track. Mr Cooper REFUSED to assist me! They demanded the full past due amount and would NOT accept any smaller payments! They offered to redo my entire loan for another 30 yrs & a higher payment, & higher interest rate! XXXX stated they could have offered XXXX XXXX arrangement on the past due, or a equity line of credit for the past due to catch up, but it seemed they were forcing me into foreclosure. They were ignoring ALL the payments that I had made from XXXX! As a result I had to file bankruptcy AGAIN in XX/XX/XXXX! To date, Mr Cooper has not sent me any modification papers! I was told I would receive them in XXXX & my XXXX trial payment would have been due by XX/XX/XXXX. I called and they said They could not speak to me, only my bankruptcy attorney, due to the bankruptcy filing. My attorney filed the affidavit authorizing me the ability to communicate with Mr Cooper and receive statements or any documents pertaining to a modification. Today is XX/XX/XXXX and I STILL have NOT received ANYTHING!
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRICIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice in pursuant to 15 USC 1602 ( k ) that your Company never gave an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company didn't even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made a uniformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority or such use and form which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692 ( K ) CAINE & WEINER COMPANY INC XXXX XXXX XXXX ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. 

If you accept my request, i will not escalate this matter to XXXX XXXX. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. 

sincerely, XXXX XXXXAll Rights Reserved Without Prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I have reported the theft of my identity to the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

A credit card account is missing from my Experian Credit Report. I have tried multiple times over the course of XXXX years to correct this issue but without success. I have raised multiple disputes with Experian, and called the help line many times, but I can not get the issue resolved. The credit card account is one of my oldest accounts and therefore has a material impact on my credit score. The account is reported correctly by XXXX but not by Experian or XXXX. 

The account was removed from credit report in error during a period while I was living aboard for XXXX years. XXXX stopped reporting the credit line to the credit reporting agencies while I was abroad. On returning to the XXXX, I have tried multiple times to correct the issue through a 'credit line resinsertion ' request, which has been completed ( see attached PDF document ). However, the account is still not included on my credit report. 

I recently filed another dispute with Experian earlier this year which has just been closed without resolving the issue. Every time I call Experian, they tell me to call XXXX ; every time I call XXXX, they say they have done everything they can and the error is with Experian. I am raising this complaint as a last resort as I am stuck in an endless loop between the two companies.