23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

MOHELA Failure to process refund for improper billing as instructed by the U.S. Department of Education : I submitted refund request on XX/XX/XXXXXXXX  ( both verbally and in writing ) for refund for payments totaling {$3000.00} made during XXXX - XX/XX/XXXXXXXX  administrative forbearance period as instructed by Education Department for MOHELA 's failure to send bills to borrowers at least 21 days before the payment due date. MOHELA provided notification email on XX/XX/XXXXXXXX  that any payments during the XXXX - XX/XX/XXXXXXXX  administrative forbearance period they would have to refund, if requested, as result of failure to provide for XX/XX/XXXXXXXX  billing statement at least 21 days before the payment due date. ( Documentation attached ). I was advised at time of my request on XX/XX/XXXX, it would take 5-10 business days for update from MOHELA 's accounting team regarding processing of the refund. It is now into month 6, MOHELA 's response to this 2nd CFPB complaint will come in XXXX or XX/XX/XXXX, and MOHELA has STILL failed to process this refund request. 

We are now in month 6 of MOHELA 's accounting team failing to process this refund request. MOHELA lied ( shocker ) in its " previous CFPB response XXXX to my previous complaint that this would be " escalated '' over 2 months ago. This was verified in my contact to a MOHELA supervisor XXXX where she confirmed " nothing was escalated '' and " this should have been processed by MOHELA a long ago ''. This supervisor indicated she would " escalate again '' ( apparently ) and I would hear back in 5-7 business days. Of course, I heard nothing back as it was just one of the many call deflections and made up timelines MOHELA likes to incorporate. MOHELA likes to hide behind the " we can't control U.S. Treasury department 's processing time ''. What MOHELA *CAN* control is their own complete failure to process this refund now in month 6 after my initial XXXX request. This is a matter of MOHELA failing to process the refund, call deflection and lying & deceiving over and over again. 

MOHELA has confirmed, now in month 6 after my initial XXXX refund request, that MOHELA themselves has failed to process this refund request. It is now beyond any of their made up timelines. I don't want the apologies. I don't want umpteenth " escalation ''. I don't want another made up timeline. I want my money that MOHELA is holding onto. MOHELA has continually misled, lied to, and failed to process refunds & applications for myself and borrowers. This is *NOT* a matter of the U.S Treasury Department not issuing my refund. It is well beyond any of MOHELA 's made up 5 day, 7 day, 60 business day, 90 business day timelines. This *IS* a matter of MOHELA failing to process my refund request now in month 6 after my initial XXXX request. Any and all MOHELA responses to this beyond " your refund has been processed '' will be rejected & added to the laundry list of documented lies & deceptions MOHELA has provided to myself and borrowers.
Product: Bank account or service

i had fraud on my acct. contacted BBVA over 30 times and never can get a answer. Just get transfer. No one has answer! I had money taken out of my acct and kicked out of bank for weapon. I have police report i contacted XXXX can never return calls. Its been since XX/XX/XXXX over 90 days. I return calls. Perosn called me and said they work for bbca and i told them the issue and they put me on hold called someone else and chatted for hour and they told me they call me back 4weeks ago for XX/XX/XXXX. I called on XX/XX/XXXX spoke with XXXXpeople XXXX cold transfer and now i been on the phone for 1 hr and still nothing. Money was stolen from the acct and charges made also. BBVA COmpass bank. Visa debit card.. XXXX in Fraud dept stated theres not really any notes to go off of. She get in contact with another dept tomorrow. It also takes hours to get a hold of someone. They stated they send me all this stuff still nothing. I call each time i get transfer around the call center. I called so many people and no phone calls return. I call during business hours. They state they have called and left vociemail nothing. i have phone calls recorded and video of inside the bank and also call logs. Its be posted on social media and etc by XXXX XXXX if this is not taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called all 3 credit bureaus. No one one would help me with my issue removing these items all of the items list are fraudulent and should be removed. 

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

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I had requested a copy of my credit report. I had noticed that Affirm was posting that I had an account with them and it was late. I immediately contacted the company and notified them that I had not applied or accepted any credit from them and that this was possible fraud. The company stated they would investigate and forward all information to me in regards to the investigation. The only thing I received was a letter stating that the account was determined to be mine and would have to pay the amount charged. I tried to dispute this with the company asking for proof which they refused to provide ownership. I have tried to contact the assigned investigator and have not received any call back nor anymore information in regards to this matter. Affirm continues to report to the credit agencies that my account is in charge off status and refuses to remove the reporting of this as fraud.
Product: Checking or savings account

Chime kept money that was verify through unemployment and they still did not return my money after I show all documentation that was needed to show they close me out and I no longer was able to call or reach out to them anymore and I had no explanation why they kept {$3100.00} from me
Product: Credit card

I placed an order and it was cancelled for address verification with no attempt to reach me. My card was authorized. The company will not reprocess the order per our agreed upon price and I do not think I should pay more because of their mishandling of credit information. Its a store card that has been saved in my store account for YEARS.
Product: Mortgage

We have been experiencing extreme hardship, me with an injury that left me XXXX which forced me into early retirement after XXXX yrs as a XXXX XXXX for the XXXX XXXX XXXX, then a XXXX XXXX XXXX XXXX to on/off to date ; my husband 's loss if his job last XXXX XXXX re-employed as of XXXX XXXX ). Thus we applied for a modification through our mortgage company, Nationstar in XXXX of XXXX. In our humble opinion, we received horrible service in our attempt at modification ; scanning in their computer which was never downloaded which held up processing, us constantly scanning, rescanning & faxing docs, talking to people who were rude, totally unprofessional, unknowledgable, being told frequently that part of the mod packet had expired & had to be resubmitted, etc, etc. We were told by one representative that Nationstar demonstrated this common behavior on purpose to gain more interest on the account, XXXX they certainly did. 1 year & a half later this matter has not been resolved ; we never received any response. We refiled in XXXX of XXXX, the new company, XXXX XXXX claims Nationstar sent out a decline in XXXX, XXXX. We NEVER rec ; d it. The company has now become XXXX XXXX, and I must say they are more customer friendly ; however misinformation is still rampant. 
We contacted HUD in the summer, that representative was no help. He resubmitted another mod & left us hanging with no action on our behalf. After receiving a foreclosure notice at the end of XXXX, we contacted another HUD representative who filed another mod on XXXX/XXXX/XXXX. We were told by the HUD official the the mod was declined for " insufficient processing time '' before the foreclosure, According to my research of federal regs, the consumer has up to 10 days before a foreclosure to file a modification. 
We contacted XXXX XXXX and relayed the same. At first they continued to refer to the 30 day allowance they had used for the purpose of the decline. Then a XXXX kindly stated she would look into it. We are waiting to hear the outcome, and would greatly appreciate any assistance provided.
Product: Mortgage

Dear XXXX, I have received your letter. 
Unfortunately, the Champion Mortgage statement does not reflect reality. 
So for my mother, XXXX XXXX, as of XX/XX/XXXX, her reverse mortgage debt with interest was {$230.00} On XX/XX/XXXX, for the XXXX reverse mortgage loan, XXXX XXXX signed a deed for a reverse mortgage of {$77000.00} with XXXX XXXX XXXX. 
This brings XXXX XXXX 's reverse mortgage debt to {$310.00}, plus interest, plus insurance, for a total of {$350.00} The document ONLY SIGNED by my mother at XXXX XXXX on XX/XX/XXXX clearly states that she can take out XXXX of the {$77000.00} reverse mortgage loan in the first year, XXXX, and the second portion in XXXX. 

My mother suffered a XXXX  XXXX on XX/XX/XXXX, was incapacitated, and neither my mother nor anyone else used the {$77000.00} reverse mortgage. The $ XXXX was not deposited into my mother 's account at XXXX XXXX XXXX XXXX was unable to verify that the {$77000.00} reverse mortgage loan was transferred to my mother 's account. 
The Consumer Protection Department provided a relevant response that the {$77000.00} was transferred to Champion Mortgage to settle the reverse mortgage loan. I assume to pay off the {$230.00}! 
To summarize, Champion Mortgage, XXXX and Everyone listed my mother yone listed my mother as having taken out a reverse mortgage loan for {$77000.00} on XX/XX/XXXX, but that is not the reality.The reality is that my mother ONLY signed the document for the {$77000.00} reverse mortgage loan on XX/XX/XXXX, but my mother did not receive any money!!! 
I would like to get proof from Champion Mortgage that my mother, XXXX XXXX did in fact take out the {$77000.00} reverse mortgage and was entitled to the {$350000.00} debt!!! that my mother 's guardian paid to XXXX. 

Further, I am requesting proof ( bank transfer receipt from Champion Mortgage ) showing that Champion Mortgage received the {$77000.00} reverse mortgage loan!!! 

Champion Mortgage should send me a certificate that my mother received the {$77000.00} reverse mortgage! Evidence!!! 
It was not in my mother 's account at XXXX XXXX. 
XXXX was unable to provide proof of the transfer. 
On XX/XX/XXXX, my mother ONLY SIGNED the document but did not receive any money. 
The amount of {$77000.00} was transferred to Champion Mortgage!!! 

I quote below from the email of XXXX XX/XX/XXXX : XXXX XXXX XXXX Washington State Department of Financial XXXX XXXX XXXX XXXX XXXX, XXXX XXXX " These funds were not sent to his mother 's bank account, but were used to pay off a mortgage loan with Champion Mortgage. '' Thank you. 
Best regards, XXXX XXXX
Product: Mortgage

In XXXX of 2020, reached a 1 year deferment due to Covid-19 for 1 year ; however mortgage company is reporting to credit agencys that Im in default of mortgage and that there is no pandemic deferment in place.
Product: Debt collection

On XX/XX/XXXX someone obtained a loan in my name from World Acceptance Corporation and I was held captive from XX/XX/XXXX until I was finally rescued on XX/XX/XXXX, since I was rescued I have found information in alot of places that I did not apply for nor did I ever receive any of the said loans or cellphones that are in my name. I'm not sure exactly whom has all used my information to obtain services in my name. I do know of at least XXXX or XXXX different individuals and with my information being exposed in about XXXX data breaches on the dark web there's no telling who all has used it. I try to protect myself from these type of situations however I have been extremely unsuccessful in doing so. I'm not sure what to do or how to go about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details Inquiry details XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX  Inquiry fromXX/XX/XXXX + Bank XXXX Inquiry fromXX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry fromXX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XX/XX/XXXXInquiry fromXX/XX/XXXX + Credit Union XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX   Inquiry fromXX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX  Inquiry from XX/XX/XXXX + Inquiry details XXXX - XXXX  Inquiry from XX/XX/XXXX+ Miscellaneous Utilities XXXX   Inquiry from XX/XX/XXXX + Personal Loans Cos.

XXXX  Inquiry from XX/XX/XXXX+ Telephone Companies XXXX   Inquiry from XX/XX/XXXX + Miscellaneous XXXX Inquiry fromXX/XX/XXXX + Personal Loans Cos.

XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + National Credit Card Cos. XXXX XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX+ National Credit Card Cos. XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + All Banks XXXX Inquiry fromXX/XX/XXXX+ National Credit Card Cos.

XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests.

Thank you.

Sincerely, XXXX XXXX SOC SEC # XXXX  DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX indicated that I have a joint account with someone that I co-signed for to get a loan. The account was opened on XX/XX/XXXX. I have never opened an account nor co-signed for anyone to give them authorization to use my information to secure a loan. This account is fraudulent. The account # is XXXX. 

The Home Depot/Citi Bank of XXXX XXXX XXXX XXXX I opened an account with them on XX/XX/XXXX. This account was opened fraudulently in my name. I have never applied for a home depot credit card in my life. The account # is XXXX. 

I am unaware of this debt ; I did not have the opportunity to dispute this debt. Please provide a copy of my signature indicating that I authorized my credit to be ran to apply for the home depot credit card and the mariner finance loan.
Product: Debt collection

Received letter that a toll debt was due from the Florida Turnpike. I paid the debt 3 years ago. Rather than listen to reason, the rep would only discuss that she can't see the original debt systems and she only knows what was referred to her. She even indicated that even if the original debt was settled I'd have to pay her additional collections fees. Lastly, she indicated I'd lose my car registration if I didn't pay. 

We're talking about a {$13.00} bill, which I obviously could just pay - but I'm very frustrated by the lack of accountability and the way the debt holder has distanced himself from the debt collector and just made it too administratively difficult to dispute - hence the customer will choose to double pay rather than jump through the hoops. I have a " receipt '' for the paid toll but it's just a line item in a 3 year old credit card bill, and they've since tacked on some fees so the amounts don't match, and they can't produce the original bill to show that the amounts would match. Due to the age of the debt, it's not something easily produced as a canceled check or something. 

The representative was reasonably rude about the whole thing and was making sarcastic comments when I offered to pay her something short of the balance just to make it go away. I mentioned to her several times that I thought she was being rude, and she informed me that I wasn't her customer, and this wasn't a customer service call ; and if I paid my bills, I wouldn't have to deal with people like her - or something substantially similar to that.
Product: Credit reporting or other personal consumer reports

Consumer asked company to remove inaccurate reporting, transaction history reported, and any charge offs ( As per IRS guidelines, a charge-off is classified as a certificate of indebtedness, making it income and subject to removal from records. )
Product: Debt collection

On XXXX/XXXX/2016 I received a Debt Validation Notice letter from Quality Loan Service Corporation ( " QLS '' ). 
On XXXX/XXXX/2016 QLS received my Request For Documents ( " RFD '' ) letter via Certified Mail. In my RFD I requested validation pursuant to the FDCPA. I also requested information and documents pursuant to Arizona 's Administrative Code, XXXX, FINANCIAL INSTITUTIONS, AND INSURANCE, Chapter XXXX XXXX, XXXX XXXX, and specifically XXXX Disclosure of Information to Debtor. 
As of XXXX/XXXX/2016 I have received no response from QLS. Since that time I have searched on the Arizona XXXX website and was unable to locate a current AZ Collection Agency license for QLS.
Product: Credit reporting or other personal consumer reports

These inquiries do not appear to be associated with any account I currently hold, nor have I authorized these entities to pull my credit report. I kindly request that these inquiries be thoroughly reviewed and, if they are found to be unauthorized or not connected to an open account, be removed from my credit report. 

no action was taken as far as removing them off of my report and dates of these inquiries are XXXX inquiries from XX/XX/XXXX XXXX inquiries from XXXX XXXX inquiries from XX/XX/XXXX I filed a complaint through the FTC as well.
Product: Debt collection

To Whom It May Concern, This letter serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. You are required by law to provide verification of the alleged debt referenced above. Until you do so, cease all collection activities immediately.

You are hereby instructed to provide the following documentation within 30 days of receipt of this letter : 1. Proof that this debt is valid and legally enforceable, including : The name and address of the original creditor.

A copy of the original signed agreement or contract ( if applicable ).

2. An itemized accounting of the amount claimed, showing the original balance, interest, fees, and any payments made.

3. Proof of your authority to collect this debt, including any agreements transferring the right to collect from the original creditor.

Failure to provide this information will confirm that you have no legal basis to pursue this debt, and I will demand that you immediately delete all records of this debt from my credit reports.

If you fail to comply, be advised that I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general. I will also consider pursuing legal action for any violations of my rights under the FDCPA. 

Let me be clear : until you provide proper validation, any further contact from your agency, including phone calls, letters, or attempts to collect, will be considered harassment.
Product: Debt collection

This company has illegally reported a file on my credit report without my permission this file was previously removed and was added back on my credit report illegally. 
The law that prevents credit bureaus from putting a previously removed item back on your credit report is the Fair Credit Reporting Act ( FCRA ) ; it requires them to investigate and verify any disputed information before reinserting it, essentially prohibiting them from simply putting back information that was previously removed due to a dispute and found inaccurate. 

Key points about the FCRA and credit report removal