23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I retired. I invested {$200000.00} in an oil exploration firm XX/XX/XXXX. The investment went sideways due to fraud XX/XX/XXXX. XX/XX/XXXX I was in poor financial condition and started job hunting ; I was hired by the XXXX XXXX XXXX XXXX XXXX. At that time I retained " XXXX XXXX '' to try and clean up my debts without filing bankruptcy and began paying so much a month ( {$780.00} ) to build up an account to pay the debts and legal fees. We had progressed well and settled a portion of the debts I had incurred. XX/XX/XXXX I XXXX at work ( Workman 's Comp reduced income to XXXX ) and was out until XX/XX/XXXX. XX/XX/XXXX we started hearing from XXXX XXXX XXXX ( XXXX ) through the XXXX District Court of Utah and XXXX XXXX XXXX. For every submittal by XXXX, XXXX XXXX countered with their own court submittal. This went back and forth 4 or 5 times until XX/XX/XXXX with several conversations of settlement. XXXX was very abrasive and cursed at the XXXX XXXX people trying to settle the case, he would not settle. XX/XX/XXXX XXXX ( lied, said I never responded to the court ) ) convinced or bought this judge to put a judgement in on me, without my day in court and any arbitration. Per the contract I was to have my arbitration and a day in court. XXXX told XXXX XXXX that I no longer had a contract because these carpet baggers had bought this debt so they were no longer responsible for the stipulations of the contract. XX/XX/XXXX XXXX XXXX tried again to settle and offered everything I had in the account ( {$11000.00} ) they said no and cursed them out again and said they want it all. In the same month we submitted paperwork to XXXX XXXX XXXX and XXXX but XXXX did n't even respond, he ignored both arbitrations attempts. XX/XX/XXXX I found out they had garnished my pay check at XXXX but also my Utah state tax return was taken. XX/XX/XXXX the tax return was a {$3200.00} ( a write off because of the oil loss ), so they have garnished approximately {$7500.00} XX/XX/XXXX.XX/XX/XXXX they will take approximately {$9000.00} but not State tax return because the oil relief is over and now I owe money this year. XX/XX/XXXX XXXX XXXX was shut down and investigated by Fed 's for taking to much in fees up front and additional fees throughout each settlement process. Now the garnishing continues my money is tied up ( to settle ) at XXXX XXXX and I still have a corrupt lawyer and Judge to contend with day in day out. I had an original amount of {$20000.00}. The oil fraud was turned over to the Utah Commission and determined they were fraudulent and I filed an additional complaint against XXXX XXXX after finding they had over charged everyone beyond the normal fee structure. The only thing I know is lawyers are created to prey on other peoples misfortunes and make them pay and pay whether or not they say they are on your side. I have all the documentation sent to me and everything I submitted in return. I also have the court records that show no notice of a hearing and no chance to arbitrate a settlement, I 'm discussed.
Product: Credit card

On XXXX, I made a purchase from XXXX in the amount of {$1700.00} upon which I immediately attempted to return per XXXX return policy ( 90 Days, no questions asked ). Although XXXX customer care admitted that it should be eligible for free return, they continued to drag out the incident to this day. Documentation supporting the following requested by Capital One enclosed on page XXXX. 
Documentation that shows the item was falsely delivered on XXXX ( See Page XXXX ) : After submitting a complaint with XXXX XXXX XXXX, the representative confirmed the Tracking Number was fake and further action would be taken with the Seller During this time, I tried to cancel this order but per XXXX XXXX, an order can not be cancelled once marked as 'shipped '. 
Purchase was eventually delivered to me but please find documentation supporting discrepancies in the delivery date between XXXX and XXXX : Delivery Date per XXXX Records : XXXX ( See Page XXXX ) Delivery Date per XXXX Records : XXXX ( See Page XXXX ) Return Attempt Date # XXXX : XXXX ( See Page XXXX ) Return Submitted via XXXX XXXX portal. XXXX team confirms they will review the return request and will follow up. The seller stated that they do not accept returns, and that I had signed for the item. This does not align with the Return Policy per page XXXX and the XXXX receipt states a signature was not required to deliver the package ( See Page XXXX ) Return Attempt Date # XXXX : XXXX ( See Page XXXX ) Contacted XXXX XXXX XXXX to escalate the issue as I had now tried to cancel the order and return the product. XXXX XXXX agreed I was within the return window and stated they would follow up with further instructions on how to proceed. ( Case Number # XXXX ) Return Attempt Date # XXXX : XXXX ( See Page XXXX ) I Contacted XXXX XXXX XXXX again as I had not received any follow-up instructions on how to return the product. The team stated they would continue to escalate the issue. Yet, their senior returns team would not look into it any further while a dispute is open. 

After explaining this to capital one, the close the dispute. When I called to press for why they closed it and what I was missing from the initial documents, I was simply told they followed procedure and considered my case closed. I appealed with a condensed version and within XXXX hours, it was closed again. Again I pressed why they would not look into the case despite the overwhelming evidence, no answer was given.
Product: Credit reporting or other personal consumer reports

Today XX/XX/XXXX, I had multiple inquires hit my profile. I have not applied for anything. I spoke with supervisor XXXX XXXX ( XXXX XXXX  XXXX ) at TransUnion who tried telling my I only had XXXX inquiry. At that moment of him telling me this information I was looking at my credit profile and I could see XXXX inquires from today. I explain how he was giving me misinformation and that it was against my right. He tried to assure me that there wasn't any inquires on my credit profile. I eventually hung up and called back. I spoke with a young lady. I explained that I was trying to dispute the inquires because they were fraudulent she disputed them for me and she could see them. However, she explained that I needed to submit another FTC report. Same thing XXXX stated. I find this unfair and inconsiderate of my time to have to do this each time something fraudulent happens. Also, TransUnion stated that I did not have a XXXX XXXX on my profile and stated that I have never had one. However, I have an extended XXXX XXXX with all bureaus. Yet, some how my XXXX XXXX magically disappeared from TransUnion. I have been having a XXXX XXXX since XX/XX/XXXX and it doesn't expire until XX/XX/XXXX. I would like that same alert places back onto my TransUnion account.
Product: Credit card or prepaid card

I am a returning customer to Capital One. I received a pre approved offer which I accepted. The web site would not allow me to sign in and when I contacted Capital Onbe after one hour on the phone with " XXXX '' I was promised an email from them which I would then be able to send back verification info ( drivers liscence ). Email did not arrive, My credit rating has been reduce due to the hard inquiry and I do not have the promised credit card,
Product: Mortgage

Seneca Mortgage is now refusing to pay the invoice for my condo/homeowner 's insurance. XXXX mailed the annual statement in early XXXX, as they always do. They were upset last year when Seneca Mortgage paid them almost a week late and one week After the policy expired. Per XXXX, Seneca Mortgage has always had problems paying the debts of its customers on time. This is unacceptable. 

Seneca Mortgage is now putting my safety, the safety of my home, and my financial future in jeopardy. I believe that they are intentionally not paying the invoice as retaliation for filing a previous complaint.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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

In accordance with the Fair Credit Reporting Act 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.
Product: Debt collection

I closed my account with XXXX years ago and I never heard anything about it, now out of no where I find out that some company " Enhanced Recovery Corporation '' is reporting a debt and affecting my credit. 

It is not correct and I will not pay for services I did not receive.
Product: Student loan

I was approved for the REPAYE plan for all of my student loans in XX/XX/2023. According to messaging from Mohela, my loans would automatically be re-calculated for the new SAVE plan. I ( along with many others ) was placed into Administrative Forbearance due to processing delays. During this time, my loans continued to accrue interest. I then received notification that I had a payment due in XXXX and was no longer in Forbearance. Only 7 of 17 federal loans were actually in the SAVE plan - and for no explained reason the rest of my loans were on the standard repayment plan. I had to call Mohela and request that they correctly calculate my payment and put all of my loans ( all of which were on the REPAYE plan ) on the SAVE plan. They told me that this processing would take 6-8 weeks, and I was placed back into Administrative Forbearance, and that this time would not be counted towards PSLF. 

To summarize, I am submitting this complaint because I am accruing thousands of dollars of interest because of Mohela 's incompetence and long processing times. If my loans were properly placed in the SAVE plan as they should have been, I would have an accurate monthly payment and would not be accumulating additional interest.
Product: Mortgage

On XXXX/XXXX/XXXX I mailed my mortage payment to Ditech in the amount of {$2300.00}. I mailed ( 5 ) money orders to the following address Ditech Customer Service XXXX, SD XXXX. According to the US Post office their money was received on XXXX/XXXX/XXXX. All of the XXXX XXXX money orders were cashed in full on XXXX/XXXX/XXXX. However Ditech only applied a total of {$500.00} to my mortgage statement ( 1 ) money order. The total of {$1800.00} was cashed by Ditech but never applied to my mortgage statement. This constitute FRAUD that Ditech is a fraudulent and unethical mortgage servicer. The money order that are missing XXXX XXXX # XXXX {$500.00}, # XXXX {$500.00} # XXXX {$500.00} # XXXX {$500.00} # XXXX {$320.00} I am trying to be patient however I am fearful Ditech will put me into foreclosure because of their billing error. They cashed all ( 5 ) XXXX XXXX money orders on XXXX. I need them to apply the full amount to my statement, A total of {$1800.00} has not been allied only {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I was contacted by XXXX XXXX XXXX to settle a Kay Jeweler credit card account. I was advised I could make a pay agreement and when the account is paid in full it would be removed from all credit reporting agencies. The account was paid and settled in XX/XX/XXXX. It is still reporting on my credit report. I have disputed this many times as paid and it keeps coming back verified and never paid. I connected XXXX XXXX solutions in XX/XX/XXXX ( XXXX ) advised would follow up with all 3 reporting agencies to have this removed. Then I was emailed another letter confirming debt was paid for my records. The following month in early XXXX still reporting on my credit report. I called all 3 reporting agencies filed another dispute gave them contact information ( name and phone number of direct person to contact ) sent them the PAID letter. On XX/XX/XXXX another letter from reporting agencies stating this is verified as accurate and it has not been paid. Another call ( XX/XX/XXXX ) to XXXX XXXX XXXX ( XXXX ) spoke with " supervisor XXXX '' advised he is not sure as to why its reporting not being paid all his records show account is paid and it has correct account number listed. " XXXX '' then gave me the number to his " client to call and see if they have been contacted regarding any disputes. And they will contact reporting agencies to have it removed. Number given to me by " XXXX '' XXXX XXXX XXXX XXXX. Called XXXX XXXX XXXX  and was not able to speak with anyone using the website on their voice-mail obtained number XXXX. Same message on previous line they are busy and call another day or go to website www.diversefunfing.com and someone will get back with me. Did not see were I am able to leave message to dispute a problem on website. This has been reporting incorrect on my credit for 2yrs. Contact anyone and having paid letter is getting me nowhere. I am moving in XX/XX/XXXX and I want this removed to assist in boosting my credit for a home purchase. 

XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX Fl,XXXX XXXX Account number, XXXX Navy Federal I refinanced my vehicle with navy federal on XX/XX/XXXX, and my initial interest rate was 6.09 %. Within the contract, it notified me that I had 90 days to add Navy Federal as a lien holder to the title. I did not add navy federal to the title. Navy Federal waited until XX/XX/XXXXXXXX XXXX XXXX to change my interest rate to 16.35 %. According to the contract Navy Federal had 90 days to enforce that clause of the contract but Navy Federal waited over 960 days to enforce that portion of the contract. Navy Federal did not enforce the contract until it was convenient for them. After raising the interest rate the agency told me that if I add them as the lien holder within 90 days of the interest increase they will put any additional money paid towards the principle of the loan. The agency enforces the contract out of retaliation. The contract clause should've been implemented within 90 days of the contract being signed. I have never been late on a payment and I have never missed a payment on the loan.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX  for multiple Fair Credit Reporting Act ( FCRA ) violations, which have resulted in inaccurate, misleading, and unverifiable reporting on my credit report. The reported account contains significant errors that must be corrected or removed entirely. 

Violations Identified : Inconsistent & Inaccurate Reporting Across Bureaus The high credit limit is reported as {$18000.00} on TransUnion and Experian but is {$13000.00} on Equifax.

The balance is reported consistently across all three bureaus, but past due amounts should not be equal to the original balance in a charge-off account.

Failure to Properly Update the Status The account is marked as " Collection/Charge-Off '', but according to the FCRA ( 15 U.S.C. 1681s-2 ( a ) ), furnishers must ensure that information reported is complete and updated.

If this account was charged off and sold to a debt collector, the original creditor XXXX XXXX XXXX XXXX ) must update the balance to {$0.00}, as they no longer own the debt. 
Duplicate Reporting & Re-aging of the Account The " Date Last Active '' is inconsistent across credit bureaus ( TransUnion : XX/XX/XXXX, Equifax : XX/XX/XXXX ). This suggests the account is being re-aged in violation of the FCRA and can unfairly extend the time this account remains on my report. 
Unverifiable & Misleading Reporting ( FCRA 611 ( a ) ) There is no proof that this account is legally enforceable. Under 15 U.S.C. 1681i, the furnisher ( XXXX XXXX XXXX  ) must provide validation that the information being reported is 100 % accurate, complete, and legally enforceable. 
The comments state " Profit and Loss Write-Off '' but do not clarify whether the debt was sold, settled, or forgiven. 
If XXXX XXXX XXXX  no longer owns the debt, they can not legally report it under their name.
Product: Student loan

I submitted a one-time payment instruction to Mohela requesting that a payment in the amount of {$500.00}, Confirmation # XXXX, Payment Effective Date XXXX/XXXX/XXXX, be reapplied to Loan # 2 DL Consolidation Unsubsidized. To be clear, this process is necessary because Mohela does not allow borrowers to target a loan when making payments ( i.e. make a payment to a specific loan ). 
I followed the directions per Mohela 's website : " Targeting a payment to the subsidized or unsubsidized portion of the loan is not available online. You can submit one-time payment instructions, standing future payment instructions, or you can contact us at XXXX. '' I sent messages to Mohela on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), and XX/XX/XXXX. Each message was met with a nonsensical answer. For example on XX/XX/XXXX MOHELA 's Response : " Thank you for contacting MOHELA, We apologize for any confusion and inconvenience that may have been caused. Our records indicate that your request to reapply your {$500.00} payment to loan # 1 has been completed and approved on XX/XX/XXXX. '' This response cites XX/XX/XXXX which PREDATES the {$500.00} payment which was made on XX/XX/XXXX, and I requested to apply the payment to LOAN # 2, NOT loan # 1. To date, XX/XX/XXXX, the XX/XX/XXXX payment has NOT be reapplied to XXXX XXXX. 

I want the payment correctly apply to the correct loan!
Product: Checking or savings account

I returned from a trip on Monday, XX/XX/2023. Waiting for me was a check I had been waiting on for a month at this point. I decided to make a mobile deposit since I was too tired from my flight to leave the house again and it was a friend 's birthday either way so I prioritized celebrating with him for the remainder of the day. My app said it would be available on Thursday. It didn't help that I had a slew of obstacles in that week coming up to Thursday but when I woke up, I had the intention to pay my credit card bill and pay people for our upcoming trips. Unfortunately, I couldn't transfer money between any of my accounts. I couldn't send money to anyone. I couldn't use my debit card for anything. I called my bank to find out they put a restriction on the account because they wanted to further verify the validity of my check or whatever. They questioned where the check was from even though it was right there on the label. I probably called them XXXX times trying to get them to resolve this but they kept calling a number I told them repeatedly was dead. I got the check from an annual event so whatever they were finding was likely unmonitored but speaking with the CEO themselves, they told me that number was dead and the address they're finding was old as well. The CEO gave me his number saying tell them to call him and even put it on the official website with a notice telling them directly to call him but they refused claiming their system doesn't allow them to call " unregistered '' or " no good '' numbers. The issue is, with almost every rep, there was a slight shift in how each one spoke to me. The first person asked if I had a mobile number he could call for the business and at the time I didn't. When I got one, suddenly they couldn't call personal/mobile numbers, it had to be in a registry. When I asked what number they found, they gave me the full numbers they found and were using. When I hung up and spoke to the CEO about changing numbers and then called the bank back, now they couldn't give me the full number and only could give me the last XXXX digits of the number they were using. I eventually stressed out with a large headache and feeling defeated just stopped trying because I could feel my head swelling. I was going to use some of this check to deposit into my savings as it's had a low balance for a while as well but that account was closed since it had nothing left. My bills and upcoming trips are in jeopardy now because a bit of money is stuck in that account and more money that was sent to that account I now have to wait to bounce back. One of them is a direct deposit as well so I'm not sure if it'll be stuck in limbo or actually return and come together on the next payment.
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as a federal protected consumer. Pursuant 15 USC 6802 I XXXX XXXX am OPTING OUT of all and any authorization I may have given to XXXX XXXX XXXX written, unwritten, verbal, nonverbal to report my non-public personal information. XXXX XXXX XXXX is in violation of the Privacy Act of 1974 as well as 12 cfr 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX that my non-public personal information was going to be shared to third party affiliated party 's such as XXXX, XXXX, TransUnion and I was never given the chance to opt out. Also 15 USC 6508 also states I have the right to opt out on any thing reported to my credit report and I'm supposed to receive a opt out notice every thirty days which XXXX XXXX XXXX has not given me. I em hereby exercising my right under 16 cfr part 313.7. According to 15 USC 6802B I'm supposed to receive three different disclosures before my non-public personal information was shared without any notice. XXXX XXXX XXXX also in clear violation of selling debt to third party after the debt had already been tendered in accordance to ucc 3-603 I had no contract with the third party they sold the debt to. Also their in clear violation of 15 USC 45 unfair methods of competition for the failure to update the record after receiving tender of full amount of the debt in accordance with Electronic Funds Transfer Act as well as their acts of Securities fraud and tax evasion which I intend to report via form IRS form 3949A. To conclude TransUnion, and XXXX are in violation of 15 USC 1681 section 604a section 2 it states a credit reporting agency can not report an account without written consent. I did not give TransUnion or XXXX written consent to report XXXX XXXX XXXX account and supporting sharing my non-public personal information such as transaction history and balance which they are in violation which I did not give permission or written consent to report non-public personal information and did not give written consent to even report XXXX XXXX XXXX on my report
Product: Mortgage

My household income changed and I was behind on my mortgage. I tried for over a year to complete the modification process. Each time they had me start over and submit new documents. Eventually, while I was actively within the underwriting part of the modification process, Chase sold my loan. I was forced to file a chapter XXXX to save my residence. I then applied for a modification through the new servicer and it was approved. I received a letter and a check from Chase this week stating that they made a mistake in giving me time to complete the process and gave me {$100.00} for the inconvenience. Based on the trauma and their practices, now this check, I think there is a bigger issue here.