23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I'm a single mother who lives paycheck to paycheck. I obtained a loan in good faith because I needed the money for bills and expenses for my daughter not expecting to be deceived. I have not been able to make the loan payments since my hours were reduced and I'm no longer employed. I'm not able to access my loan documents on the portal so this is what I recollect. On XXXX XXXX I obtained a payday loan for {$1000.00}, the agreement was a debit of approximately {$210.00} per pay period would be debited from my bank account. The loan period was for XXXX payments that would have resulted in paying a total of {$5000.00}, 5 times the original loan. As of XX/XX/XXXX 'm no longer employed and do not have the income to make the payment. I currently collecting unemployment. On XX/XX/XXXX I called to make a payment over the phone because the website did not have my loan balance visible nor any payments options. I was told the loan was in resolution status and there was a new resolution person I had to speak in the resolution department and a new resolution portal XXXX XXXX XXXX  where the information could be accessed. The resolution rep. on the phone said he can take a payment over the phone, so my mother made a {$1000.00} payment over the phone with her card to settle the loan. She loaned me the money to settle the loan. In good faith I paid the original loan balance off on XX/XX/XXXX for {$1000.00} On XX/XX/XXXX we looked at the resolve portal and the loan still showed a balance of {$1000.00} owed and an option to settle the loan for {$520.00}. We called the resolution department to find out why the loan had not been reflected as paid and after arguing with the supervisor and being upset she said the only way to settle the loan was on the portal any payments taken over the phone are applied to the balance. That was not communicated by the resolution XXXX on the phone call on XX/XX/XXXX when the payment was made. Additionally resolution XXXX didn't advise to look at the new resolution portal until the {$1000.00} payment was already made over the phone. Why would we be talking to the resolution department and a resolution person if the loan is not being settled. I informed the resolution supervisor this was deceptive and fraudulent practice and needed to speak with a higher supervisor. She said there is no one else there today and we would need to call on XXXX. The supervisor was giving me scripted responses and said there is nothing we can do. XXXX XXXX XXXX is expecting me to pay another {$520.00} on the resolution portal to settle the loan. I'm requesting for XXXX XXXX XXXX to reflect the the loan to be paid in full/settled and to refund me the the difference of {$400.00} ( settlement offer on the portal ).
Product: Credit card

I went to Target to purchase gifts for my family in XX/XX/2016 in the original amount of approximately {$240.00}. The cashier said I could save 5 % on the current purchase if I signed up for the Target Red Card. She said it would only take a few minutes and that I would receive the red card in the mail. So I agreed, and signed up at the cash register. A few months go by, and I start receiving phone calls from Target headquarters stating that I owe them over {$300.00} in unpaid credit card charges. So I checked my mail and sure enough, the original purchase of {$240.00} was charged to the red card I had signed up for, but had not yet received. The red card had {$38.00} late payment fees and a ridiculous 23 percent interest rate. The biggest problem is that it was not made clear to me that the purchase would be immediately charged to the red card, right after I signed up, and then be charged accruing interest and late payments on purchases I was not aware were charged to the red card. I believe this was a predatory and deceitful practice, and especially heinous because it happened during the holiday season.
Product: Credit card or prepaid card

I moved to my current address. Cap One notified me that they had received my change of address from the Post office. My sister called in to verify that ( they requested further verification ) and they stated that they needed a photocopy of my drivers license, front and back emailed to them. I called and asked why they needed that information as I had had an account with them for years, never missed a payment, could answer any number of questions, my mother 's maiden name, my favorite singer, etc. I had moved several times while I had had their car and this info had never been requested before. I was told it was to insure the security of my acct., but the rep could not explain how. So, we got a copy front and back and sent it in, email. They emailed back that the back of the license was not clear enough. I called again and told them the many problems my sister and I were having and still I did not see why they needed this info. Bottom line, they will not mail their bills to my current address unless they get a clear photo of the back of my license. I neglected to mention that we did send another photo of the back and that was not acceptable either. I think this is some odd effort to get rid of people who have their credit card but pay off their charges in full every month. Only thing I can think of -- but would like to know if this is legal? Can they demand any odd or unusual information and try to coerce you into responding. I plan to close this acct., but if I am going to run into this again I would at least like to know if it is legal. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inaccurate, must remove ( never had this acct. ) XXXX XXXX XXXX XXXX. Inaccurate, must remove ( never had this acct. ) XXXX  XXXX XXXX Inaccurate, must remove ( never had this acct. ) XXXX XXXX XXXX Inaccurate, must remove ( never had this acct. ) XXXX ( XXXX ) XXXX XXXX. Inaccurate, must remove ( never had this acct. ) XXXX XXXX, must remove ( never had this acct. XXXX XXXX Inaccurate, must remove both acct. ( never had this acct.
Product: Debt collection

A debt collection company called RESURGENT RECEIVABLES parked a debt on my consumer reports without ever notifying me of the alleged debt. I was never given the opportunity to dispute the alleged debt, I was not given information about the alleged debt, and I was not given any disclosure from this debt collection company. RESURGENT RECEIVABLES is ruining my reputation which is a violation of the FDCPA per 15 USC 1692d ( 1 ). The debt collection company has been reporting collection notations " C '' on my consumer reports and it is misleading and inaccurate according to the FCRA. This is an act of unfair credit reporting. RESURGENT RECEIVABLES violated my rights per 15 USC 1681s-2. The account also has a notation " ND '' which is an indication of an incomplete account. This company did not verify the debt nor attempt to communicate with me regarding the alleged debt. This behavior is both deceptive and abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Delete the following inaccurate and incorrect items reporting under my personal information to all three credit reporting bureaus below. 
XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX CONSUMER STATEMENT XXXX - DO NOT CONFUSE WITH CONSUMERS OF SIMILAR IDENTIFICATION ; VERIFY ALL IDENTIFYING INFORMATION. 
DELETE THIS CONSUMER STATEMENT FROM XXXX REPORTS! 
XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX EQUIFAX - XXXX XXXX XXXX
Product: Student loan

I had a loan with SallieMae that was bought by Navient around 2012. The loan was a subsidized student loan and was in deferment. No interest should have accrued until this fall after I completed my degree. When I was contacted by Navient about repayment they had a balance of over {$16000.00} when it should have been well under {$16000.00}. I called Navient and talked to employee XXXX and told her what the balance should be and she said when they bought the loan in 2012, the balance was over {$17000.00}. I told her I had paperwork from SallieMae dated XX/XX/12 that clearly showed a balance of around {$15000.00} right before my account was transferred to Navient. She said she had paperwork for Navient that showed the balance as $ XXXX in XXXX of 2012. She said I should fax her copies of the documents from SallieMae which I did on XX/XX/XXXX. I also had my university send proof that the loan was in deferment from 2012 until now which they did.

I called Navient today and asked them if they had made the necessary change to the amount I owed. The woman I spoke to barely spoken English so she was incredibly hard to understand. She  said something about accrued interest and a reverse loan something or other. When I asked her what my balance was in 2012 she said $ XXXX. I asked why the balance had not been corrected and she started talking unintelligibly about something with reverse balance ... I could not understand what she was saying. She also told me that my faxed documents had been received and a letter had been mailed today which was their response to my complaint. I don't have the letter and quite frankly I am not sure I believe that they actually sent a letter at all. If they did it should show up in a few days. 

The following uploads will show you that there is a major discrepancy between Navient records and the records that I was sent by Sallie Mae. The Sallie Mae documents I received showing my payment record for the loan on XX/XX/12 has a full repayment balance of {$15000.00}. The Navient records show for the same date show the balance to be almost {$1000.00} dollars higher at {$16000.00}. 

I had massive issues with SallieMae constantly and illegally trying to take me out of deferment or accruing interest while I was in deferment. I had hoped Navient would be better but it appears they are just as crooked. I am sending this complaint to start the process of investigating Navient for student loan fraud. This note is the first step in what I hope can be a quicky resolved issue although I am not as hopeful as I would like to be.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX XXXX XXXX XXXX for Inaccurate Credit Reporting and Mishandling of Account Complaint Summary : I am filing a formal complaint against XXXX XXXX XXXX XXXX regarding their inaccurate reporting of my auto loan account to credit reporting agencies, mishandling of my account, and failure to provide effective customer support despite adherence to an approved payment plan and extension agreement. Their actions have negatively impacted my credit report and financial standing. 

Details of the Issue : Account Overview : Account Number : XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) : XXXX  XXXX approved an extension of XXXX payment of {$860.00}, deferring it to the end of the loan term. 
XXXX XXXX indicated that delinquency reporting would continue until the account was brought current. 
Hardship Payment Plan ( XX/XX/XXXX ) : Entered a hardship payment plan due to financial difficulties caused by natural disasters. 
Payment plan terms included XXXX payments of {$860.00} each, due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Per the agreement, completing the payments would make the account current as of XX/XX/XXXX. 
Payments Made : XX/XX/XXXX : {$860.00} auto-drafted successfully. 
XX/XX/XXXX : {$860.00} auto-drafted successfully. 

Discrepancy and Reporting Issue : Despite making timely payments, I received a notification from XXXX on XX/XX/XXXX, that my account is reported as 30 days past due. 

This is incorrect, as I have complied with the payment plan and extension terms. 

Unsuccessful Attempts to Resolve the Issue : I contacted XXXX XXXX customer service multiple times to address this issue. Unfortunately, my efforts were unsuccessful. 
Customer service representatives deflected responsibility, claiming that the error was on the part of the credit bureaus. This response was unacceptable, as XXXX XXXX is responsible for ensuring accurate reporting of account status to credit bureaus. 

Evidence of Compliance : Attached documents include : Extension confirmation ( dated XX/XX/XXXX ). 
Payment plan confirmation ( XX/XX/XXXX ). 
Statements showing payments on XX/XX/XXXX and XX/XX/XXXX. 
Notification from XXXX reflecting the inaccurate reporting.
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX : 90 days past due XX/XX/XXXX, 120 days XX/XX/XXXX, 150 days XX/XX/XXXX XXXX : 90 days past due XX/XX/XXXX, 120 days XX/XX/XXXX, 150 days XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Credit reporting or other personal consumer reports

I was notified through email of a loan company doing a hard pull to my credit report. I now have a hard inquiry attached to a loan company that I have no acknowledgment about it. I did not authorize this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian dropped my XXXX score by XXXX points for no reason. I have provided information from their website and it clearly states in the comments that the things they pointed out were to help my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BALANCE ON MY XXXX  XXXX AND XXXX XXXX  ACCOUNTS IS INCORRECT. I HAVE TRIED TO GET THE INFORMATION UPDATED.
Product: Student loan

My personal and financial information was compromised without my authorization by a group of outsiders called DOGE. This has been brough to light in the month of XXXX from a lawsuit by students in the state of California. 
Below is direct information from the student loan website that mentions the consequences of third parties from accessing personal information. 

Warning You are accessing a U.S. Federal Government computer system intended to be solely accessed by individual users expressly authorized to access the system by the U.S. Department of Education. Usage may be monitored, recorded, and/or subject to audit. For security purposes and in order to ensure that the system remains available to all expressly authorized users, the U.S. Department of Education monitors the system to identify unauthorized users. Anyone using this system expressly consents to such monitoring and recording. Unauthorized use of this information system is prohibited and subject to criminal and civil penalties. Except as expressly authorized by the U.S. Department of Education, unauthorized attempts to access, obtain, upload, modify, change, and/or delete information on this system are strictly prohibited and are subject to criminal prosecution under 18 U.S.C. 1030, and other applicable statutes, which may result in fines and imprisonment. For purposes of this system, unauthorized access includes, but is not limited to : any access by an employee or agent of a commercial entity, or other third party, who is not the individual user, for purposes of commercial advantage or private financial gain ( regardless of whether the commercial entity or third party is providing a service to an authorized user of the system ) ; and any access in furtherance of any criminal or tortious act in violation of the Constitution or laws of the United States or any State.

If system monitoring reveals information indicating possible criminal activity, such evidence may be provided to law enforcement personnel.
Product: Credit card or prepaid card

I opened a XXXX credit card with capital one in XX/XX/XXXX to rebuild my credit after bankruptcy. My account was kept current and I was offered two credit limit increases between XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I received and email from Capital One stating that my address has been updated and my new cards ordered. I did not complete that action so I immediately called and reported that activity as fraudulent. I Was told it would be investigated and I would be contacted. I was never contacted, my card was turned off and my online access revoked for my security. The next day I received another email stating that my new card had shipped and once again reached out to capital one. Again I was told someone would reach out to me. Between XX/XX/XXXX and now I have reached out to them on at least 5 separate occasions to even find out the status of the fraud. To this day I do not have card or account access. 

AT the time I reported the fraudulent activity my account was maintained as current and I had never had a delinquency. Once my fraud claim was submitted and completely mishandled, I lost access to a product that I had maintained my contractual obligation on through no fault of my own. 

Capital one has still never resolved the fraud claim despite my reaching out repeatedly and has now charged off the account. HUGELY impacting my credit. Falsely charging off an account and then damaging someones credit is a major violation of the FDCPA.
Product: Credit reporting, credit repair services, 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. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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: Debt collection

In XXXX of 2021 was contacted by phone by Receivables Performance Management ( RPM ). The rep insisted that I defaulted on a car lease roughly XXXX prior & said I owed more than {$1000.00}. I made it clear that this was not a debt I was responsible for & requested a copy of the contract I allegedly defaulted on be emailed to me. 
To date no such contract has been sent to me, rather a generic " claims letter '' was sent out via USPS & then the account was reported as being in default to the credit bureaus. The letter was a clear attempt to bypass fair credit reporting laws, as I was quite specific in my request for proof of debt & what was sent instead doesn't begin to PROVE I am liable. At best RPM is guilty of skirting the rules that govern the matter & at worse they are guilty of knowingly attempting to collect on an account that was closed in good standing.
Product: Student loan

Was mislead by the customer services Representative. The interest is burying me in deeper debt. Fedloan never mention the interest rate when consolidating my loans. Also also qualify for cancellation of my loans thru the Department aid Education and My loans are still occurring interesting in which I wasnt aware of When Fedloan offer me a program that will lower My monthly payments
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB finding indicates that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system and leaving us as consumers open to scams
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I consolidated my federal student loans in 2022 during the PSLF special waiver window. My loans originally and correctly were displayed on the MOHELA website as one consolidated loan. MOHELA subsequently separated the consolidated loan into a " subsidized '' portion and " unsubsidized '' portion, which is itself not congruent with a single consolidated loan. My primary complaint is that MOHELA displays different qualifying payment counts for the " subsidized '' loan ( 83 payments ) and the " unsubsidized '' loan ( 99 payments. Even if separated into two separate loans, as part of the legal terms of consolidation these two loans should each have 99 eligible payments -- the same number. I've contacted MOHELA customer service multiple times about this and they indicate by phone that the loans will eventually have the same higher payment count. However, they give no timeline of when this will happen, they give no reason why the number is different, they offer no formal process for how I can make this request, and they do not communicate this in writing. At the moment the incorrect payment count would represent 16 additional months of repayment. Thank you for your help in requesting for MOHELA to update the payment count to the highest eligible for each loan ( currently 99 eligible and verified payments ). 

The attachment shows correspondence from MOHELA that shows differing qualifying payment counts for the subsidized and unsubsidized loans. This was after a recent review of my loans on the same problem I submitted to the CFPB.
Product: Debt collection

Ask the company to verify this debt that I'm not aware of. Company sent letter and the name is incorrect of the city. I have no acknowledge or contract with either company
Product: Mortgage

Ditech was contacted by phone to start the process of releasing escrow management to me the borrower. There was an extended hold time ( about 30 minutes ) and once connected the agent gave a facsimile number to send a request. That task was performed that afternoon ( XX/XX/2019 ). 
I received no response to the sent facsimile after about a month so I called again. After another long hold time I confirmed the facsimile information and resent the request on XX/XX/2019. 
Again I received no response from Ditech. After another several weeks I called again. Again another 20-30 minute hold time ( is this a discouragement tactic? ) I spoke to another representative and was this time given a web address to upload my request. This is the same request I have made in the previous attempts. This information was uploaded to that site on XX/XX/2019. 
I still have yet to receive a reply from Ditech regarding this matter. I do still receive my mortgage statements, however. I should note that I am not deliquent ( nor ever have been ) and have a LTV of about 15 %.