23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XXXX XX/XX/2023, my federal student loans were discharged through the PSLF program. I was promised on that day that within XXXX to XXXX  days I would receive my final discharge letter. I am being required to show that letter for purposes that are really none of the business of MOHELA, my servicer. However, many of us who were discharged on that day have yet to receive that letter. I have filed numerous complaints through customer service at MOHELA. 

Prior to my leaving the country for a work trip, where I am still, away to this day, MOHELA called me, and promised me that that letter was on its way, being generated, and would be in my electronic inbox within XXXX to XXXX  days. That was in early XXXX. It is still not here, and every time that I write them, if I get any sort of response at all, which is about XXXX out of every XXXX letters, I get a canned bot type of response rather than a real human being actually understanding my question. My credit report is clear, and everything is showing that my loans have been discharged and paid in full. However, until I received this final letter from them, I am not cleared from the final place that I need to be on my end. This is a form letter that MOHELA generates, and I don't understand why they can not simply placed that letter in my inbox. I do not receive snail mail from them, as I have pointed out to them multiple times, since I am out of the country. It cost me every time I have to contact them while I am out of the country. And today I received another written response from them, after waiting about XXXX weeks to get any sort of response from my last XXXX emails, and this XXXX  said that somebody would try to call me. I do not even have cell phone service while I am out of the country, some thing I have told them at least XXXX times. This is entirely unacceptable. The only thing I want is that letter sent to my inbox as I was promised, around XXXX XXXX via phone call with a MOHELA agent. I will be escalating this complaint, even further, if you are unable to help me. The customer service of this federal contractor is entirely unacceptable, and, although I am only able to speak for myself. In this complaint, I assure you that I am not the only XXXX speaking.
Product: Mortgage

as stated in the last response from boa XX/XX/2016 my modification was filed.the mod agreement payment is XXXX the XX/XX/XXXX statement reflected XXXX .i called XXXX the account rep he stated that that was incorrect and to pay what is stated in your modification.the payment made was XXXX and it was recvd by boa 2 days prior to the due date.boa charged my XXXX late for and XXXX partial payment no full payment by XX/XX/2016. and this will again appear on my credit ... .please something should be done to this financial institution that can not seem to correctly handle their customers finances
Product: Credit reporting or other personal consumer reports

TRANSUNION, XXXX, and XXXX are reporting inaccurate information.
Product: Vehicle loan or lease

Westlake Finical has repo my car twice between XX/XX/XXXX and XX/XX/XXXX. Both time the repo places have messed up my car and stolen things out of it. My car company wont help me out they say that its not this problem when I ask them for a number to report damages to they give me fake numbers and Im really fed up with them and want to see what I can do to report and help for the. Damages caused
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Equifax report and there are inquiries on my report that I did not authorize. I request that the follow inquiries be removed promptly to reflect correct reporting. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Product: Student loan

I overpaid Mohela {$180.00} on my student loans before the loans were forgiven. On XX/XX/XXXX, I requested verbally that Mohela refund my account balance, and Mohela customer service told me that they could not do that because the Dept. of Ed. " handles overpayments. '' This isn't accurate. I followed up by requesting the refund from Mohela in writing on XX/XX/XXXX. Mohela responded in writing : " Dear [ NAME REDACTED ], Thank you for contacting MOHELA. Please accept our sincere apologies. We regret that you had a less than satisfactory experience during your interaction with us. We value your feedback, as we understand how important it is to offer exceptional service. Regarding your request ( s ), Our records indicate, an escalated request to refund the credit balance has been submitted on XX/XX/XXXX. Due to the time frame involved ; we have sent your request to be expedited. Once this has been processed, we will send you an updated response. Please allow up to 15 business days for processing. We thank you for your patience. Refunds from the Treasury may up to 90 business days. '' I requested an update from Mohela via email on XX/XX/XXXX and was told that my case was too complex to handle in writing and that I would need to call Mohela to discuss the matter. 

I filed an additional complaint with Mohela on XX/XX/XXXX requesting an update in writing. 

I called Mohela on XX/XX/XXXX for an update and spoke with a customer service agent named XXXX, who told me I had a XXXX balance and asked me " where I was getting my information. '' When I provided the dollar amount, he told me that he " was able to find the information '' and that they would " submit a ticket to escalate the issue, '' which takes " 5-7 business days. '' I called on XX/XX/XXXX and was on hold for a total of two hours after speaking with two customer service representatives who " could not see my account info '' and " couldn't help me. '' When I was transferred to " someone who could help, '' those representatives did not pick up the phone. 

It's been 136 days since I requested a refund in writing. Mohela has acknowledged that a refund should be processed, and they refuse to initiate a refund of the funds they owe me or provide an update.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX.
Product: Debt collection

XXXX account more than XXXX XXXX XXXX that was billed by doctor that did not provide services. collection agency ACCOUNT RESOLUTION CORP has pursued the account and filed a negative collection on my credit report withiut verifiying the underlying account. Additionally, when i ask for the basis for the account Account Resolution Corp will not provide that information. Finally, the account is much older than the statute of limitations ( 5 YEARS ) AND CAN NOT BE PURSUED LEGALLY
Product: Checking or savings account

Chase payment via XXXX  for a purchase on XX/XX/ in the amount of {$140.00}, when attempting to dispute the charge Chase has indicated that they are unwilling to help ( despite being a " Chase Private Client '' ) and unable to do so.
Product: Vehicle loan or lease

Company website indicates that you can cancel " pending payments '' within their portal. However, there is no visible or viable way to do that navigating through their web page. You have to call to cancel any pending payments.
Product: Credit reporting or other personal consumer reports

Despite my prior seven attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. This letter marks my eighth attempt to request the removal of these unauthorized transactions from my account. The continued presence of these fraudulent items not only compromises my financial security but also affects my trust in your company 's ability to protect my interests as a customer. 
The lack of resolution has caused me significant stress, inconvenience, and potential financial losses. I have attached all relevant documentation once again, including account statements highlighting the fraudulent items and any supporting information that could aid in the investigation. I understand that resolving such issues can take time, but the prolonged delay in addressing this matter is unacceptable. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. With this, I am asking for your assistance to correct the accounts: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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Financed a vehicle from XXXX of XXXX XXXX XXXX XXXX XXXX XXXX back in XXXX. After paying down payment & signing paperwork, went to get insurance and was told my insurance company vehicle had savage title ( I was unaware ). Called company and spome with XXXX who sold me vehicle and she says was unaware as well. Only option I was given was to keep and pay on vehicle for 15 months and would let come back and do a trade on another vehicle ( which would result in another credit as well as down payment, basically starting all over XXXX when i wouldve been half way through current loan. Also some other issues with the vehicle, some of which company had fixed, others I got the run around on. Months into having the vehicle it broked down as well as leaking from roof and doors causing mold on carpets and ceiling. I emailed XXXX XXXX said nothing can be done so told her where the vehicle was and told could pick it up because I refused to invest anymore money into fixing or payments. She said would send someone out for vehicle, have it repaired and sold at XXXX. XXXX was recovered and placed on my credit as VS eventually but I never recieved anything on what was sold for or anything. XXXX on my credit for what I originally owed. Every month or so the balance would go down to XXXX and then back up again to almost {$7000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

NQUIRIES FROM XXXX : XXXX XXXX, XXXX XXXX : XX/XX/XXXX EXPERIAN XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$12000.00} Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$7300.00}
Product: Mortgage

The attached document is why Nationstar Mortgage will not investigate this matter. I would like the cfpb to look at the attached documents and also send it to Nationstar mortgage
Product: Mortgage

On XX/XX/19, I requested a reappraisal from SunTrust in order that we might pay down our loan and lower our LTV enough to remove our monthly {$320.00} PMI payment. I requested that someone " contact me via phone or in a way that I can reasonably ask follow-up questions. '' At the end of XXXX when I had not received a reply, I submitted a fax to SunTrust. SunTrust confirmed on XX/XX/19 that the fax was received, and the following note was added to their online chat portal : " A faxed deletion request has been received to delete PMI. '' On XX/XX/19, I added a note to the online chat : " I would like to know how I can reappraise our home to lower our LTV. '' Later, another note was added by SunTrust : " A deletion request can take upto 30 days to be processed. Upon completion of the review, a letter will be mailed with the next steps, if any are necessary. '' On XX/XX/19, I added another note to the online chat portal : " I have sent 3 requests to Suntrust to reassess my home value. We would like to pay down the principle in order to get rid of PMI. '' When asked if I had additional feedback, I said, " I'm trying numerous avenues to get in touch with someone regarding my PMI. It certainly feels like Suntrust is intentionally making this a difficult process. '' On XX/XX/19, I made another note on the online chat platform : " I need to follow up on my PMI inquiry. Can you please provide an update? This system is terrible, and I don't understand why I can't talk to a human being. '' On XX/XX/19, I mailed a signed document along with a {$150.00} check, requesting to order a " Brokers Price Option '' in order to better determine our LTV. 

On XX/XX/19, I added yet another note to the online chat portal : " A couple of weeks ago, I mailed our Request to Remove PMI and a {$150.00} check. Can you confirm that this has been received, and let me know what the next step in the process will be? I have been attempting to get this taken care of since XX/XX/XXXX. '' Each month that this process persists, I am required to pay another {$320.00} PMI payment. As I noted to SunTrust, it certainly seems as though they are intentionally making the process to remove PMI a difficult one, and I believe it is unfair.
Product: Mortgage

I was in the loan modification process and on XX/XX/XXXX I received a letter from Bank Of America that while I was in the process they would not proceed with the foreclosure sale on XX/XX/XXXX also the letter stated it would list a date when documents should be in and they did not have a date. They sent me another letter stating they were missing documents on XXXX XXXX which I had been sending in the documents, then on XX/XX/XXXX I received a financial package of all they needed again which stated it would have the date listed when the documents should be received.I kept sending in documents after documents and they kept saying they didnt receive all of them. I never received a letter stating there was a sale date for XX/XX/XXXX until I called in XXXX. I was told XX/XX/XXXX I could reinstate my loan so on XX/XX/XXXX when I went up to the court house to look at the foreclosure notification to get the fax number on the Courhouse bulletin board the foreclosure notice it was not there, the auctioneer even helped me looked for it. I called Bank Of America and they then said I could not reinstate my loan. XX/XX/XXXX I called Bank Of America and spoke with them about telling me I could reinstate the loan, the representative told me I couldnt because the house had been sold at the time I called Bank Of America to get the fax number on XXXX XXXX, which was not true again the auction had not started and the auctioneer was standing right beside me. According to dual tracking, This is when the lender proceeds with foreclosure while they simultaneously work with the borrower to avoid foreclosure and this is restricted. XXXX XXXX had the property listed for sale on their page for XX/XX/XXXX however they sold it on XX/XX/XXXX I only had {$32000.00} left on my home. I have asked for all my correspondence for this whole year and they said they cant provide it. In XXXX I spoke with someone to catch-up my payment and we went over my financial information and stated I had to pay {$3000.00} the XXXX time then {$1000.00} the following two months and that I would receive the agreement in the mail however they never sent the agreement. In XXXX I was sick with XXXX and suffered complications. I asked for reinstatement figures in XXXX and I never received them during this time I was again suffering from XXXX and its side affects and asked them to postpone the sale and they did. In conclusion they sent me a letter stating they would not foreclose on my home while I was in the loan modification process which I received the XXXX week of XXXX, they even sent me a financial package on XXXX XXXX. They were dual tracking and I believe my loan should be reinstated based upon proof of what they sent me.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Mortgage

Having a hard time getting monthly statements from the Seterus Mtge Co. Acct # XXXXX Property address XXXXXXX, XXXX FL XXXX. Our Bankruptcy XXXX was XX/XX/2014 and they still say that they ca n't send monthly statements due to us being under bankruptcy. We did chapter XXXX in XX/XX/2014 and the XXXX company was not included in the bankruptcy. They do n't listen to us after several attempts to clear this error up. We are so tired of this run around it has been over XXXX yrs. Please assist me in clearing this up. 
Thanks so much for your assistance.
Product: Student loan

I received an email saying a previous email I received regarding student debt cancellation approval was an " error ''. I am very confused! Please stop this company from wrecking my life!
Product: Credit card or prepaid card

XX/XX/19 for {$270.00}. This is for a website called XXXX. I cancelled this. XXXX  does not have a problem giving a credit back on the card but they don't see the charge. Now I am stuck with a credit card bill for {$270.00} that I have already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX Account # XXXX, illegally reported a " charge-off '' to my consumer report. Charge-offs pursuant to the Internal Revenue Service , are " cancelled debt income '' which are typically reported on a 1099a or 1099c cancellation of debt. Those instruments constitutes certificates of indebtedness which is income and income CAN'T be reported on a consumer 's report. 

Additionally, I exercise my right to opt out of any and all authorization I the federally PROTECTED consumer may have given XXXX XXXX XXXX  whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Pursuant to : 15 U.S.C. 1681a : States I have the right to privacy 15 U.S.C. 1681b : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I received an email stating that I was placed into an Administrative forbearance until my account was corrected. During that time, I should not have accrued any interest, but I have been accruing interest daily.
Product: Debt collection

I don't recall having a contractual relationship with CREDENCE RESOURCE MANAGEMENT Account Number : XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX  The account name is National credit system. I sent multiple cease and desist to this agency. I sent a lot of letters. This company told me they would remove it and its still there on all three of my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Payday loan, title loan, or personal loan

Hi, I reached out to Affirm to stop an accidental full payment XXXX mins after it happened. They advised me they would not be able to stop it and it would take up to 5 to 6 days to return the money. ( XXXX from affirm ) Advised there is not enough money in the account to cover the XXXX. Advised that I am making a good will attempt to notify Affirm of the accidental pay off. Again XXXX said there is nothing they can do till the money is deposited and they can then ask for a return of the money. I again advised them the transaction was less then XXXX mins ago. My bank has stated no request has been done. XXXX stated again it would be XXXX to 6 days before they could return the money back to the account. 

I again stated this was accident and there is not enough money to cover the amount. I am making a good fath attempt to bring attention to the issue. I asked for a manager ( XXXX ). XXXX advised that he would not be able to do anything. I advise to contact leadership with a ticket. He said It would take 10 to 15 days for this to be address. One of the reasons they dont offer this path. 

They did advise if the payment fails there would not be a follow up attempt.
Product: Debt collection

I have never had an XXXX  credit card I need to see a signed application with my signature on it showing i have had this debt I thought this account was an auto loan but from the last complaint it stated credit card with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two charge off items on my XXXX account that is reporting monthly. The first account is a XXXX XXXX Credit Card and the second item is a XXXX XXXX  Credit card. According to the FCRA USCC CODE 15 this is a illegal practice. I place a call to XXXX and they refuse to remove the items. Dispute number # XXXX