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

My main complaint here is that the branch manager of onemain financial in XXXX   ohio, shared my personal account information ( loan balance, late payment status, payment history ) with someone who is NOT on my account, and not related. 

Sharing this information has caused a tremendous amount of issues in my life. 

The reason this happened was because I had used someones bank account to make a payment ONE TIME ( supposed to be one time ). I made payments in the future and those payments came out of that persons bank account again. They contacted the bank severeal times, local branch, main customer service, etc. in attempt to resolve the issue and get their money back. I did not have the money to pay them back. OneMain financial refused to give the money back, said there is nothing they can do, even though they know it was debited from the wrong account, an account that they should have never even saved the payment info as it was very clear during the original call that this was a one time payment. The advice from the bank was for that person to file a dispute with their bank if they need to ... so that is what was done. A dispute was filed with his bank. 

In the mean time, he had filed a complaint with the XXXX as well. XXXX contacted him immediately and then someone from the bank did shortly after. They mailed him a check which he cashed promptly to get his money back. 

Shortly after the dispute was still open, his bank gave him the money back and the dispute was closed in his favor ... 

One main now is trying to hold me responsible for the {$400.00} that they technically gave to them. However, if they would have given back the $ in the first place instead of insisting that they can not, and that they need to dispute it, that would not have happened. 

So that is one issue but not related to privacy, this is more of my complaint. He called in to speak to onemain financial because they reached out about the extra payment. He informed them that he is not returning the money, that he was so inconvenienced by all of the time spent dealing with this, having to go to his bank to dispute, etc. and that it's not his fault that the bank won the dispute and gave him the money back.. and I agree, if they would have refunded HIS money that was wrongfully taken from his account in the first place, that would not have happened. However during that call, the branch manager, XXXX, had shared information with him that he had no right to do so. He informed him of recent payment history, the account status and balance information. That private, sensitive information that should not have been shared to anyone without my consent. 

With that said, that issue has put an end to a 6 year relationship, I am now in the process of searching for somewhere to live because of that, etc and has turned my life upside down because he shared private information that I do believe is technically illegal to even do so. 

And on top of that the bank is threatening to add {$400.00} to my balance if I do not pay it back, and i do not have an extra {$400.00} to give them because of their mistake.
Product: Student loan

Hi, My loans since XXXX have been at a fixed interest rate for over XXXX. Now some of my loans are in variable interest rates and fixed. My interest rates has not changed in over 20 years on my loans. I have never consolidated my loans due to this. Now all of my loans have high interest rates and were closed and reopened on my credit report I don't know how this is even possible. 

Another complaint I have is each time I worked with XXXX XXXX and was not able to make payment on my loans the customer service agents either put my loans in deferment or forberance. Where if I was guided on income repayment plan most of my loans would be paid off or completed in XXXX. 

Navient aquired my loans in XXXX about and did the same thing. 

I have also worked in non profit organizations for XXXX  years but then was told that my loans don't approve for forgiveness plan even though I worked in a lower paying job for this option when I was appplying for forgiveness. 

My sister told me about the IDR plan XXXX  years ago. so all of my loans are on a XXXX  year idr plan. In XXXX my IDR was in review and I accured late payments on my loans even though the student loan payments were in grace untill XX/XX/XXXX. Navient is stating they didn't have to follow this due to being a private loan company. 

I feel like XXXX XXXX and navient are corrupt companies and honestly should be about done with my student loans. Also if they would educate people about the right payment plans maybe people would not be in such issues on student loans.
Product: Credit reporting or other personal consumer reports

Hopefully XXXX XXXX will Not lie and address this new issue concerns with fraudulent advertising on XXXX that your client and the XXXX police report XXXX detective XXXX XXXX XXXX. 

New details, On XX/XX/year> at XXXX for XXXX minutes spoke to XXXX of XXXX claims and he assigned identity theft fraud claim no. XXXX by your client listed on XXXX as buyer for XXXX a lie. You must address
Product: Student loan

On XX/XX/XXXX I made a payment for my IDR payment plan to Aidadvantage for my student loans. I received a payment confirmation email explaining that this was posted to my account -- this stated, " Thank you for your payment '' included the date posted and the amount this was sent to me on the XX/XX/XXXX ( the next formal business day ). I noticed this was not drawn out of my bank account and when I checked my Aidadvantage account I noticed that it stated that I had a payment due and a " payment reversal '' from XX/XX/XXXX. This was not the first time this has happened as I tried making a payment in XX/XX/XXXX before my IDR payment plan was approved -- when I called customer support they told me I had the wrong banking information. I called my bank to verify my own account information and tried to input this in, but it was already correct and Aidadvantage rep had the correct information -- so my payment should be going through. I have found several complaints regarding Aidadvantage reversing payments multiple times claiming that account numbers were wrong and users have double checked and verified with their bank, because of this I have accrued unwarranted interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2021 {$240.00} was paid out of my savings account at Capital One to XXXX XXXX. This was not an authorized payment and I have no relationship with XXXX XXXX. I have no idea of why this transfer was made. 

I have spent many hours speaking with multiple agents at Capital One regarding this matter. I have also requested the alleged proof that I requested this transfer and they promise to mail me the proof and fail to follow up. 

I am extremely frustrated by this process and I am very concerned that another financial institution can so easily withdraw money from my savings account without my knowledge or consent. 

I have requested to escalate this matter and have requested a call from a supervisor but I only get connected to random representatives sitting in XXXX XXXX. 

This is not acceptable and should not be legal.
Product: Mortgage

I have been trying to work with BOA in qualifying for a program to lower my payments-specifically my interest rate with no assistance. I began the process speaking with a HUD counselor who assured me I met the HAMP guidelines due to the extensive questionnaire and financial information she collected. After many months I was told I qualified for a trail modification which RAISED my payment with no other changes to the loan. After appealing my decision I was told again I did not qualify for any program and this letter dated XXXX stated I was not interested in refinance options at this time. What exactly do you call trying to lower your payment and interest rate?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have a police report and sent letters in regards to this matter. I have never had credit cards or an account with XXXX XXXX. This is in regards to both accounts below : I have attached a copy of my police report with XXXX police department. Police report XXXX XXXX XXXX XXXX Original credit : XXXX XXXX account XXXX XXXX {$2900.00} XXXX XXXX XXXX Original credit : XXXX XXXX  account XXXX XXXX {$5600.00} XXXXXXXX XXXX  account XXXX XXXX {$2900.00} XXXXXXXX XXXX  account XXXX XXXX {$5600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times explaining that this is a fraud account that they are reporting on my credit for XXXX XXXX XXXX. This account does not belong to me & is a result of fraud.
Product: Bank account or service

I used to hold a Bank of America Regular Savings account. The number was : XXXX. As per terms of the account, no account maintenance fee is supposed to be charged if ( among many other options ) : " To avoid the fee, you may also make combined monthly automatic transfers of {$25.00} or more from your Bank of America checking account to your savings account during the immediately preceding statement cycle. '' I had setup an automatic transfer of {$25.00} on the XXXX of each month to avoid the fee. I saw that the bank still charged me Monthly Maintenance Fee on XX/XX/XXXX. On inquiring with the bank, I was told that my automatic transfer on XX/XX/XXXX actually happened on XX/XX/XXXX because of XX/XX/XXXX being a holiday, hence the bank is within their rights to charge me a fee. 

Unfortunately, this is unacceptable since the bank automatically moved the transfer date and is making me pay for their fault. 

Left with no option and frustration, I cancelled my account so that I may take my business elsewhere.
Product: Credit reporting or other personal consumer reports

ON XXXX XXXX, SUNCOAST CREDIT UNION, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OF XXXX ALL DID A HARD INQUIRY ON THE SAME DAY. ON MY CREDIT REPORT THAT DID NOT AUTHORIZE. I ONLY AUTHORIZED XXXXXXXX XXXX TO PULL MY CREDIT REPORT AND WAS APPROVED FOR An AUTO LOAN. I CONTACTED ALL OF THESE LENDERS REQUESTING TO REMOVE THE INQUIRIES AND WAS TOLD THEY COULDNT REMOVE IT. I AM REQUESTING PER CONSUMER LAW THAT IT BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

For some reason my XXXX XXXX XXXX and my XXXX cards thats in good standings is not reporting on my report my husband added me on to his account and XXXX, Equfax and XXXX XXXX is not reporting both cards
Product: Debt collection

Last year I called to have the delinquent status removed from my credit report since my student loans were consolidated to another lender but Sallie Mae is still reporting it on my credit as being delinquent, and this was an account from 2005 that I have consolidated. Can you please help me to remove this delinquent status off of my credit because Im in the purchase of trying to purchase a house and different lender that check my credit for a home mortgage or credit increase are stating that I have serious delinquency on my credit but that was from then that is closed.
Product: Credit card or prepaid card

received notice that someone ordered a credit report. it was bank of america. someone applied for and opened a credit card in my name. it has been closed and a fraud statement issued, bank of america said i could be told how that application was made but after 7 phone transfers i do not have that info. i NEED to know if it was an online application, phone request or mail in so i can determine the extent of this fraud.
Product: Debt collection

Procollect Inc has listed our son 's debt on my husband 's credit report. I called to inform them of their error, and the representative was very brusk and constantly interrupted me. Further, Procollect continues to send notices to our address rather than our son 's. Lastly, our son is mentally impaired and under the care of the Texas XXXX agency. He has no means to pay this debt. I have informed Procollect of this both by phone and in writing but they persist. The rep 's response today was unacceptable behavior so I 've decided to post this complaint. Please help to get this resolved. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally filed a compliant against Citibank, XXXX which a rep with Citibank resolved on XX/XX/2019, per the received letter. To date, they haven't removed the late, delinquency from my credit report with each bureau, per the information stated on the letter. I have contacted Citi 's customer service on several occasions, and they are not even aware of the received letter. I've reached back out to the person who was assisting via customer relations, and I haven't received a reply. I did receive the letter, after our last conversation which I appreciate ; however, the final steps haven't been taken, removal from each credit reporting agency. In addition to contacting Citibank, I've contacted each bureau. I was told, Citi would have to request for the removal, they couldn't just remove the information from my report. Please assist with the final steps, removal. Thank you.
Product: Mortgage

Subject : Demand for Remedy and Repayment of Fraudulently Collected Funds To Whom It May Concern, I am writing in reference to the alleged debt associated with [ ACCOUNT # XXXX ] issued by BSI Financial Services. After a detailed review of the loan documents and in light of recent legal precedent established by the U.S. Supreme Court in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), it is evident that this loan contract is fraudulent, unenforceable, and in violation of federal and constitutional protections. Enumerated Discrepancies and Violations Lack of Consideration : The loan agreement lacks valid consideration, as no lawful funds were disbursed by BSI Financial Services. Instead, the loan appears to have been funded by monetizing my promissory note, in violation of contractual principles and Uniform Commercial Code ( UCC ) 3-303. 

Failure to Disclose Funding Mechanism : BSI Financial services failed to disclose that my promissory note would be monetized to create loan funds. This omission constitutes fraudulent misrepresentation and a violation of the Truth in Le

nding Act ( TILA ), depriving me of my right to informed consent. No Risk to the Lender : The lender incurred no actual financial risk, as my promissory note became an asset for BSI Financial Services. This violates fundamental contractual requirements and renders the agreement unconscionable. 

Unjust Enrichment and Double-Dipping : BSI Financial Services profited by monetizing my promissory note and simultaneously collecting interest payments, constituting unjust enrichment and double-dipping at my expense. 

Material Misrepresentation in the Loan Contract : The Deed of Trust falsely states that {$420000.00} was disbursed to me before signing. However, no evidence has been provided to substantiate this claim, further invalidating the contract. 

Constitutional Violations : Pursuing collection under this fraudulent agreement constitutes a violation of my Fifth and Fourteenth Amendment rights, as established in XXXX XXXX XXXX XXXX XXXX XXXX. Any action depriving me of property or collecting on an alleged debt under these circumstances is a denial of due process and unconstitutional. 

Notice of Dispute : This letter serves as formal notice that I dispute the validity of this debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and related federal laws, you are required to cease all collection activity and validate the debt in writing before proceeding further. 

Failure to comply with these demands within 15 days will result in the initiation of legal action to seek repayment, damages, and remedies for harm caused. 

Reservation of Rights : I reserve all rights to pursue further legal action under applicable laws if this matter is not resolved promptly. Please address all correspondence to the address provided above. 

Sincerely, XXXX XXXX
Product: Mortgage

My mortgage has been assigned to Rushmore Servicing from Rushmore Loan Management Services effective XX/XX/2023. I received a letter with a new loan number, and have been trying to pay my XXXX payment since XXXX XXXX. The online and automated telephone systems at Rushmore Servicing do not recognize the loan number. I have attempted to use every single option on the automated system ( name, telephone number, social security number, loan number ), and none are recognized. I called the Rushmore Loan Mgt Svc number, their system recognized my old account but threw my call back over to the new company. There is no way to get to a representative to resolve this and I still have not been able to make the payment. Please advise, I have never been late on this mortgage in 24 years!
Product: Mortgage

XXXX is usurping RESPA Guideline and spending large amounts of money in marketing to the Realtor community.
Product: Student loan

On XX/XX/2023 I requested a student loan payment refund in the amount of {$1300.00} from Mohela under the XXXX XXXX payment pause. On XX/XX/XXXX, I checked my account with Mohela and my balance had increased by the refund amount. I previously filed a complaint with CFPB and received a response from Mohela on XX/XX/2023 regarding my refund. In the response, Mohela stated that they would manually request the refund and I should see the refund sometime in XX/XX/2023. In XXXX, I still had not received the refund and I reached out to Mohela about it. I was told to wait another 30 days. It has now been 6 months and I still do not have my refund, yet Mohela continues to show my balance as if the refund was sent to me.
Product: Credit card or prepaid card

XXXX XXXX BY COAMERICA BANK ACCEPTED XXXX EVERY MONTH ON THE XXXX, IN XX/XX/XXXX-XX/XX/XXXX WAS VIOLATED BY THEFT AND ID THEFT ON THIS ACCOUNT.
Product: Money transfer, virtual currency, or money service

I am in the market to find a female Yorkie or schnauzer puppy. I found someone who stated they had a female Yorkie. After messaging back and forth, we came to an agreement of {$200.00} for the puppy to be put on hold and the other {$100.00} upon delivery. I asked for my money back several times and they denied saying it had been used for name change on the puppys documents. I dont have proof of those documents. They proceeded to deny me a refund and became very rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting bureaus ( XXXX, XXXX, and TransUnion ) require me to mail highly personal documents such as a copy of a Social Security card, birth certificate, and driver 's license in order to place a freeze on my daughter 's credit reports. I can place a freeze online for myself, but for some reason they make it more difficult and significantly less secure for me to do it for her. I'm worried about something happening to the documents as they cross the country. It's very insecure to have to mail these documents. I thought they were required to allow me to do it by phone or online. Is this not the case?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Transunion- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681 Section 602A. 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, credit repair services, or other personal consumer reports

I went onto my Experian on my account and I am see a lot of inaccurate information on my report that needs to be removed due to the fact that it is hurting my score. 

XX/XX/2021 Flagged for 119 days past due XX/XX/2021 Flagged for collections XX/XX/2021 Flagged for not more than 2 payments past due