23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Mohela has consistently failed to properly calculate the correct payment amount for the SAVE plan, and after multiple email and phone call attempts, the problem remains unresolved. 

Earlier this year, like many people, MOHELA switched my previous IDR payment ( under REPAYE ) to SAVE. In doing so, they used my previously provided income information, but made two extremely puzzling errors : 1 ) they calculated the payments using a 1 person family poverty line ( I filed taxes married filing jointly and have no other dependents, so this should be the 2 person poverty line ), and 2 ) the entire household SAVE payment was allocated to me ( my spouse also has direct student loans and is on SAVE, and so the total household payment should be split between us ). 

In XXXX I was finally able to talk with a MOHELA rep, who manually took down all of this information, quoted me the correct SAVE payment, and placed my account on administrative forbearance. 

This week, the payment change was applied, but the payment amount remains incorrect. The payment amount now accurately reflects the correct poverty line, but still is not accurately splitting the total SAVE payment between spouses ; instead, I have the entire household SAVE payment shown as my amount due.

The SAVE formula is not difficult, and MOHELA has received all of the information needed to calculate this extremely simple math problem TWICE. There is no reason to believe that this is merely incompetence, I have to believe its malice. Otherwise, MOHELA should simply not be allowed to exist as an entity serving the US public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a signed contract nor any contract with LVNV Funding LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX XXXX XXXX. I am not responsible for this debt with LVNV Funding LLC.
Product: Credit reporting or other personal consumer reports

I have recently discovered that in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The account starting in XXXX XXXX XXXX XXXX XXXX XXXX are the accounts in question. Knowing that 15 USC 1681 section 602 A : states that I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions, neither allowing by act 15 U.S.C 1681c. ( a ) ( 5 ) stating 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. Lastly and ultimately, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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, credit repair services, or other personal consumer reports

Hello. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION. 
I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the XXXX  data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.
Product: Debt collection

Portfolio recovery associates.is reporting an old debt that is too old to collect and show on credit report. The original debt was from XX/XX/XXXX originally delinquent XX/XX/XXXX and written off by the origin creditor, XXXX, XX/XX/XXXX. Portfolio Recovery is now showing an open date of XXXX XXXX with recent derogatory marks on my credit report. This is an old debt and should no longer be reported. I did contact the original creditor and they confirmed the dates and the fact that the debt is too old to report on credit report.i have made several attempts to dispute this with credit reporting agencies but nothing has worked
Product: Debt collection

IM FILING COMPLAINT AGAINST SUNSET FINANCE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. THEIR NUMBER IS XXXX. CORPORATE OFFICE IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FOR THREATS AND HARRASSMENT, AND HARRASSING MY SON. THEY CALLED MY SON AND TOLD HIM THEY TURNED ME IN TO COURT ON FRIDAY XX/XX/year> IN WHICH THEY HAD NO BUSINESS MENTIONING ANYTHING ABOUT ME AND MAKING FALSE STATEMENTS CONCERNING ME OR MY ACCOUNT. AND THEN I TALKED TO THEM LATER FRIDAY AND TOLD THEM I WOULD COME IN SATURDAY WHEN I GOT MY CHECK, SATURDAY XXXX THEY CALLED AGAIN TELLING ME THEY CLOSING IN A FEW MINUTE I NEED TO PAY THEM BEFORE THEY CLOSED AT WHICH TIME I TOLD THE LADY I HAD AN EMERGENCY GOING ON WITH MY XXXX XXXX XXXX MOM, I HAD THE AMBULANCE COMING TO CHECK ON HER AND THAT MY CHECK HADNT POSTED YET. AND THIS WOMAN DIDNT CARE ABOUT MY MOM SITUATION, IM ALREADY DISTRESSED WORRYING ABOUT MY MOM TO BE THREATENED AND DEAL WITH HER ATTITUDE. SHE TOLD ME SHE WAS SENDING SHERIFF OUT FOR ME AND THATS IS AGAINST THE LAW TO THREATEN SOMEONE WITH LOCKUP FOR A BILL. I HAVE WITNESSES THAT HEARD WHEN SHE SAID THEY WOULD SEND SHERIFF AT ME. AND I DONT APPRECIATE HER ATTITUDE, HER THREATS AND HARRASSMENT. THERE IS A WAY TO TALK TO PEOPLE WITHOUT THREATS AND THE AUDACITY TO SHOW NO COMPASSION TOWARD MY MOMS HEALTH PROBLEM THAT IS SERIOUS I DO NOT APPRECIATE AT ALL. I KNOW MY RIGHTS AND THEY HAVE BEEN VILOATED. I DON'T THREATEN OR HARRASS THEM AND THEY ARE NOT GOING TO DO IT TO ME
Product: Credit reporting or other personal consumer reports

My loan provider at the time, XXXX, assured me that it would help me find the best repayment options for my loans and promised that they would get me on a plan that could reduce my payments to as low as {$0.00} per month and help to forgive of any remaining balance after XXXX years of qualifying payments. They defrauded me! When my loan was sold, I called my current provider XXXX and they told me that XXXX tried calling me several times during the time period that I was 'supposed ' to be late, however, I did not answer those calls, thinking that they were spam calls because XXXX had already told me that my loans were in good status and that I didn't have to worry about anything else moving forward. XXXX has already been sued for widespread unfair and deceptive student loan servicing practices and abuses in originating predatory XXXX  loans.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax, XXXX, & XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX, Account XXXX : XXXX
Product: Money transfer, virtual currency, or money service

A refund was initiated in XX/XX/year> from the Department of Homeland Affairs in XXXX. The refund was processed on XX/XX/year>. However, the account ending in XXXX was closed and therefore the refund could not be processed on the closed account. Paypal has assured me that the funds would be available in the main Paypal account for over a month to no avail. XXXX has refused the funds and sent them back to Paypal. The reference number is XXXX.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX XXXX debt account being serviced by Advantage with partial account number XXXX has been showing on my credit report with all XXXX credit reporting agencies since last year. I have tried to reach out to Advantage multiple times by phone to get proof of debt as I do not have anyone in school with financial assistance nor have I applied for XXXX. Everytime I call I get a recording and when I choose the option to talk to someone the call hangs up everytime. The account is showing current with someone ( not me ) making payments on it. I have disputed this account multiple times with all XXXX credit reporting agencies since 2023 asking for proof of debt and each credit reporting responds to my disputes that the debt is valid without providing proof of debt.
Product: Student loan

I requested a refund from XXXX on XX/XX/22 in the amount of {$32000.00}. 
XXXX has given me the timeline of XXXX business days to receive the actual refund. They also refused to provide me with any email confirmation after asking for it and were very vague about when I would see my balance reinstated.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are marked as accurate XXXX XXXX XXXX XXXX reported balance {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on experian XXXX and XXXX.the account is not mine.I never ordered or received a phone or service.The time of opening coincides with the time my purse was stolen and a police report filed for that. 
Delete the account, it is legally impossible to validate as mine.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

I want the CFPB to publish this
Product: Debt collection

1st phone call with Hudson Valley occurred on XX/XX/2018 - They requested amount of {$2300.00} for charged off account balance of {$1800.00}. I requested explanation of difference in amount and they explained this was amount from original creditor ( XXXX XXXX XXXX ). Confirmed with XXXX XXXX XXXX on same day the amount reported by Hudson Valley that was incorrect. Hudson Valley has requested incorrect amounts and has threatened to sue for account if account is not paid in full amount for balance of {$2300.00}. 

Hudson Valley has also never sent out Debt Validation letter to home address after numerous attempts of doing so over the phone and in writing.
Product: Checking or savings account

I made a mobile deposit into my new SoFi checking account. Instead of holding those funds, they placed a restriction on my account as a whole including the newly deposited funds plus the funds that had already been established in the account. it's been 10 days and I can't pay my bills, use my debit card, use an ATM, transfer funds or even receive deposits. I've called every day to follow up or offer any information needed by the investigators and continue to be told " we've escalated your ticket but we can't tell you any more or connect you to anyone else ''
Product: Student loan

In XX/XX/2016 I received a mailer from Navient listing options to reduce the payment on my private student loans, including a 0.25 percentage point interest rate reduction for enrolling in automatic payments. I called Navient to confirm that my loans were eligible for the rate reduction. The agent confirmed that they were, so I set up automatic payments. Those payments have successfully processed for three months now. However, my rate and payment have not changed. I contacted Navient today to express my concern and was told my loans are not eligible for the rate reduction. I believe that either the agent today lied to me to meet goals for denying interest rate reductions, or the agent in XXXX lied to me to meet goals for enrolling customers in automatic payments. When I confronted the agent today with this interpretation and asked for identifying information for the agent from XXXX, he disconnected from the chat service we were using to communicate. I would like assistance securing my interest rate reduction and back payments for the reduction I have been entitled to since enrolling in automatic payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inqiry was made by SYNB/ SAMS 'S XXXX on my XXXX XXXX credit report XXXX XXXX, XXXX 2022. I never authorized this inquiry.
Product: Debt collection

I have Equifax reporting false accounts on my credit report refused to remove them after removing accounts of credit report someone sharing my information without my consent
Product: Credit card or prepaid card

On XX/XX/XXXX, I notified the credit card company of two fraudulent transactions that were posted on my account on XX/XX/XXXX. One transaction was in the amount of {$180.00} at XXXX XXXX XXXX # XXXX, XXXX XXXX, NJ. The other transaction was in the amount of {$35.00} at XXXX # XXXX, XXXX XXXX XXXX, NJ. Upon notification on my part the charges were immediately credited to my account on XX/XX/XXXX pending investigation. On XX/XX/XXXX, I received a letter from the bank declining my fraud claim for the disputed transactions. Based on their investigation, my card was used for the charges. Not satisfied with their initial findings, I reopened the investigation requesting a further and more in depth investigation. After that I did not received any written notification from the bank or a phone call updating me on the status of the dispute. On XX/XX/XXXX I contacted the fraud department to check on the status of the investigation and I was told that the claim was closed and there was nothing else they could do to help me. Words can not describe how frustrating this whole ordeal has been for me, from dealing with different representatives and departments trying to get this resolved. I feel like I have not been treated fair and the bank failed to do its job of investigating the dispute the right way. I am so disappointed with the way they handled my claim that I will never do business with them. The worst of all is that I have been a loyal customer who always pay on time, and to be treated this way is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$220.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account Name : Best Buy/ CBN Account Number : 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 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX # 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 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

I checked my credit report. To my surprise, I discovered numerous inquiries that I do not recognize and do not understand why they are there. 
As a consumer unfamiliar with these inquiries, I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. The inquiries listed below are unfamiliar to me : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX  I am seeking clarification and information regarding the purpose of these inquiries. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you provide details on who made these inquiries and for what purpose. Please also confirm if these inquiries have resulted in any new accounts or actions on my credit report. 
I appreciate your prompt attention to this matter and look forward to your timely response.
Product: Mortgage

I would like to add to my prior complaint.

COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage SPS ' response is NOT clear and is contradictory. At the time of mediation, over and over, SPS stated they did NOT do a full review as required by Washington State Law. They tried to blame the fact that I had filed a complaint with WA State Attorney General. However, that complaint was closed on XX/XX/XXXX and the mediation did not happen until XX/XX/XXXX. They had 4 months to do a review. Even had our original date of XX/XX/XXXX been in place they would have had over 30 days to do a full account review, which they require per all notifications on their website and their RMA documents.

They state in their response to my above complaint that INCOME was NOT a factor in their review and they didn't require income. The last income statements they had from myself and my husband are dated back to XX/XX/XXXX. They then state they were unable to offer a repayment plan because we didn't have the right income to debt ratio. However, how is that possible if income was not a factor and which is it? They don't need income or we don't show the right amount available? They continue to state that because of our lack of income they could only offer a 12 month repayment plan and require a balloon payment at the end of 12 months of $ XXXX because their offered repayment plan would not repay the back balance due.They never addressed the reason for keeping our repayment plan at 6 % and not doing what everyone else in the industry seems to be doing by offering repayment at recent rates ( approx. 4.25 % ). They seem to be stating one issue then offering a repayment plan that would set us as the homeowner up for failure.

Nothing in their response addresses the discrepancies in dollar figures. I realize that we have a couple more days prior to their noted time to provide that, but it should have been a point that was mentioned as being worked on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown XXXX  XXXX XXXX has been showing on my TransUnion Consumer Files. I had XXXX inquiries
Product: Debt collection

The account with XXXX XXXX agreed to a settlement with XXXXXXXX XXXX XXXX by my wife on XX/XX/19. Balance was {$4600.00} they settled for {$2600.00}.
Product: Credit reporting

I received my discharge for my bankruptcy on XX/XX/2016. None of what was included in my bankruptcy, which was everything on my credit reports, were removed from my report. I understand they stay on there and are just marked as discharged, but there are roughly XXXX things left on there that are not marked discharged, that in fact were discharged. The only active thing on my credit report should be a paid off car loan that was obtained after the bankruptcy and is now paid off. i was givin this information by XXXX when trying to obtain a new loan to start rebuilding my credit. I need this taken care of immediately.
Product: Credit reporting or other personal consumer reports

On XXXX of 2024, I noticed a capital one credit card hard inquiry that I did not make m. It affected my credit score and once contacting capital on the account was never opened.