23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Today I contacted Mohela at XXXX XXXX at XXXX I was on hold for customer service for XXXX hour and XXXX minutes before Mohela automatically hung up on me. 
I called 2 more times. Same result. 
Contacting Mohela is very difficult. I need to figure out how to pay the so called " past due '' amount. I keep paying them via their online platform and they keep saying I am still late. This month they are saying I am late. IMPOSSIBLE! I am paying what they are telling me to pay! Including whenever they say I am late. 

I was told by a financial advisor to look into consolidating my loans so that I can be granted another loan servicer. I am in the process of doing that. I am sick and tired of this every month! The amounts change from month to month and the automated system says I owe {$97.00} dollars for this month, but the bill for this month says {$100.00}. 

Then it says I owe {$56.00} past due since XX/XX/2023. I paid what the website said what was due!!! 

When I try making a payment via the automated service, I wait for the long automated update regarding long wait times and that they are transferring my account to a new platform and that I should wait for them to contact me. So, I press 1 to make a payment and then press 2 to pay specifically my so called " past due '' amount. When I press 2, it automatically takes me to customer service and then the long wait begins again. After waiting a long time, the call is suddenly disconnected by Mohela. 

When I pay my bill -- - the " current amount '' is only paid. There are no options on the website or way to confirm that I am paying both the so called " past due '' amount along with the current. I do not even know how I am past due as I have been paying monthly. 

Please help! This company is clearly connected to financial predatory practices and stakeholders. This can not be possibly legal or ethical. I am trying to pay my student loans and this company is willfully or unwittingly sabotaging these attempts. XXXX XXXX XXXX XXXX and have been for almost 7 years. I am not looking for a free ride. I just ask to please not let Mohela prey on me!!!
Product: Debt collection

I demand the immediate removal of the fraudulent account, XXXX XXXX XXXX XXXX XXXX from my credit report. Equifax 's denial of my request is unacceptable, and I assert my right to demand compliance with the law.
Product: Checking or savings account

I opened a account with US Bank. Had several deposits made into the account. Then after about a week they froze the account disconnected my debit card without reason. Went to the Branch verified my identification after several attempts still was not able to access my money. Spoke to a manager said that they would fix it still was not able to access my money. For over two months almost 3 I have not been able to access {$1600.00} of my money. No one will give me a just reason and I have asked for the release of my money several times including going in person to pick up a cashiers check that I was denied. Due to this I have now had been charged massive amounts of late fees and been late on all my bills including my rent and I am losing my home. And still have not received my funds.
Product: Credit card or prepaid card

On XX/XX/XXXX, I attempted to withdraw the {$100.00} balance from my Skylight One debit card. According to their website, there are no fees associated with withdrawing funds using an XXXX XXXX XXXX. See attachment 2. 

I looked up XXXX XXXX XXXX on the Skylight One website and went to XXXX, which was on the list provided. https : //www.skylightpaycard.com/account/move-money-menu ( attachment 1 ) I put {$100.00} as the amount to withdraw. The ATM said there insufficient funds and wouldn't give me any money. I tired again, same thing happened. When I got home, I checked website ( see above ) to see what went wrong, and found two {$1.00} debits charged to my account. 

I called customer service 3 times to get a satisfactory explanation for the fees, but they were not helpful at all and I was disconnected twice.
Product: Vehicle loan or lease

In XXXX of XXXX I was forced to stop working for health reasons so I got behind on my car loan with XXXX XXXX XXXX XXXX ( XXXX ). I several attempts to put 2 payments at the end of my loan which XXXX allows you to do twice in the life of the loan. The first time I file the paperwork I apparently had my account number wrong even though XXXX sent me an email saying the money was debit from my account. The 2 times after that I was told you could only be 60 days behind, once I was 61 days and the lastest attempt on XX/XX/XXXX, I was told I was 63 days late so I had to make another {$400.00} payment along with {$390.00} for interest changes. I was unable to meet the financial burden asnInhad just pay {$200.00} in reposession fees along with a {$400.00} payment. On XXXX XXXX, the day before my car payment was due, XXXX took {$300.00} of my daughters ( XXXX XXXX ) {$390.00} XXXX XXXX payment as in was deposited into our joint account. I immediately called XXXX and was told that it was in the fine print of my car loan that they could take any moneys out of any account my name appeared on. I read the loan agreement called back XXXX, told them it wasnt in my agreement and asked them to send me a copy, the did not. On XXXX XXXX XXXX from Citizens Bank Collection department called to say I was 38 days behind, so I told her you just took {$300.00} out of my daughters XXXX XXXX she we would not have done that it would be fraud. XXXX put me on hold spoke with someone at XXXX, then told me oh we can take money out of your account it is in your agreement with for your checking account, which I have read all the documents I was given with my bank account and never saw that. I asked XXXX to give my Daughters money back and they refused. In all the months I have been behind in my car loan XXXX has not ever take mine or my daughters XXXX money, as I read they are not allowed to. Citizens Bank will not allow me to download any transactions from my car loan, Ihave attached the transactions from my joint account.
Product: Credit reporting or other personal consumer reports

Experian has violated my consumer rights by reporting inaccurate information. The creditor has also violated my consumer rights by reporting inaccurate information to Experian. The creditor has not validated the 30-day late payment and is willfully causing further injury to me. I will submit another complaint for an opportunity to cure and expect this matter to be resolved immediately. Experian has violated my consumer rights by reporting inaccurate information. The creditor has also violated my consumer rights by reporting inaccurate information to Experian. The creditor has not validated the 30-day late payment and is willfully causing further injury to me. I will submit another complaint for an opportunity to cure and expect this matter to be resolved immediately. I received a copy of my credit report and found the following items to be an error. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EXPERIAN Reporting Agency OR XXXX XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and XXXX due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent
Product: Checking or savings account

XX/XX/23, a deposit of {$170.00} for medication was transferred out of the account without my permission. A rep advised I would receive an ATM card to withdraw funds as my option for retrieval, card was received however the deposit was taken without my authorization. 

I called several times before I was advised the funds were taken to pay on a charged off checking account. I recently spoke to a rep about prior to opening my current savings to apply phone authorized payments. No policy was ever disclosed that any funds in my savings # XXXX would be applied to the charged-off account. If this was deemed as true, there is {$0.00} in the account currently that has not been touched. 

I have been waiting almost 30 days for a supervisor to return my call to reverse the funds as I had a prior payment agreement to pay when I can due to layoff because of XXXX XXXX issues. One supervisor named XXXX I believed lied to say she called and left a voicemail. However I answered that called but she say hello in return, dead air was it. There was never any voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

the attached letter is regarding a XXXX  XXXX XXXX auto loan account i have and making payments on on time with out any delinquencies, the creditor XXXX XXXX XXXX has reported an inaccurate late payment delinquency for the XX/XX/2019. 
please find attached the letter that after discussing this with them they have changed their decision and made update on the account, but the bureaus such as XXXX, XXXX  and transunion are not updating their reports, please help to have this inaccuracy updated from the reporting agencies thank you
Product: Debt collection

This notice is to inform you that FOX COLLECTION CENTER has unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F that went into effect XX/XX/2021, FOX COLLECTION CENTER has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. I sent them a Cease and Desist letter over a month ago and they are still calling and harassing me from a lot of different numbers throughout the day and evening. I do not know who they are. They have not provided any required documents or contract to prove that I owe them anything. This harassment needs to stop. They have no permissible purpose by law to contact third parties with my private or personal information
Product: Debt collection

XXXX account from XXXX XXXX XX/XX/2023 for {$600.00}. Sent to collections!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX, has violated my rights. 

XXXX BANK XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXXXXXX, has violated my rights. 

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 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 antedate 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: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I looked at XXXX XXXX credit report on XX/XX/XXXX and noticed some things are are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisherof that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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

I have disputed Inaccurate reporting of MOHELAXXXX XXXX XXXX   multiple times with XXXX, XXXX and XXXX with no help. These are not my account. 

MOHELA/XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late MOHELA/XXXX XXXX XXXX Last reported : XX/XX/XXXX {$2900.00} 120+ Days Late
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent letters to the credit reporting bureaus XXXX, XXXX and Experian demanding that they remove all the items I outlined in my letters to them. By law, they are not suppose to furnish a report without my written permission. This is pursuant to 15 usc 1681b ( a ) ( 2 ). None of the bureaus reached out to me to ask my permission to place the derogatory items on my report so therefore I demanded that they delete them from my report immediately. They have not produced any documents that says I gave them written permission to furnish things on my report. More so they also violated my rights to privacy as a federally protected consumer under title 15 chapter 41. They have not responded to any of the letters I sent them so therefore I am launching this complaint against them.
Product: Student loan

I have previously submitted a complaint regarding this company, complaint number XXXX. 

Background : Earlier this year, my loan servicer EdFinancial switched to a new online platform. I have received several e-mails informing me that my account and loans had been transferred to the new platform, and inviting me to register. However, I have been unable to do so. For unknown reasons, when I have attempted to register and login to my new account, I consistently get an error message. I have contacted customer support multiple times and worked with different agents, who have been unable to explain or rectify the problem. One even passed me on to their manager, who was also unable to help and could not suggest how to resolve the issue. This means that my only method of paying my student loan ( XXXX XXXX XXXX XXXX XXXX XXXX ) is to pay via 'online chat ' with a live agent, which is time consuming as each agent insists on trying to fix the above problem prior to accepting the payment, despite me explaining nothing has worked thus far. There are also times, like the last week, where online live chat has been unavailable and I have not been able to make an online payment. Of course I am concerned about not being able to make timely payments because of issues which appear to be on their end. 


Update : Since submitting the complaint, a response from EdFinancial was received asking me to screenshot an image of the error message I'm receiving and to send it to them. I sent a message to customer service and have not received a response. I have attached screenshot of error message to this complaint- this is what I see every single time I attempt to log in, regardless of the computer or device I'm using, whether I've requested a new password, etc. It never works. 

Additionally, now that live chat with an agent is unavailable, my only option for making payments is via telephone. Unfortunately, now their automated system seems to be malfunctioning- the message often cuts out mid-sentence, and the system does not seem to recognize when I type in my bank account number or the amount I would like to pay. I have tried no less than XXXX times over the last few days with absolutely no luck, and seemingly no way to speak to an actual real person. 

I have now been unable to log in to my account for several months. I can not access help via live chat, and I can not even use the telephone system because it does not seem fit for purpose. I have had no response to multiple inquiries sent via e-mail. 

I am getting extremely frustrated and find this completely unacceptable, particularly because if my payments are late, through no fault of my own, I will incur the penalties.
Product: Vehicle loan or lease

I'm filling this complaint because XXXX XXXX XXXX because i had a car with them that was repossessed with them do to job cut backs in XXXX. I called them back in XX/XX/XXXX and i was told they no later have the account in their office. I was told to call XXXX XXXX XXXX that's who they sold the account to. I called them and i was told the account was inactive on XX/XX/XXXX and couldn't give me any details on the account that i should call XXXX XXXX XXXX for more account information. Once again i called them and they are still telling me contact XXXX XXXX XXXX for further account information. I called XXXX XXXX XXXX again and they keep telling me to call XXXX XXXX XXXX they both are giving me the run around and both companies are not claiming the debt so i feel like it needs to be removed from all 3 of major Credit Bureaus. When XXXX  repossessed the car they came to a shopping center and took the car when i was in the store and i never received any paperwork from XXXX  after they picked the up. I sent certified mail to XXXX XXXX XXXX on XX/XX/XXXX and i never heard back from them. I called XXXX   again and the lady was really Rude to me and she told me to stop calling they no longer have nothing to do with the account anymore and to call XXXX XXXX Solutions and hung up the phone on me. XXXX has the account on all 3 Major Credit Bureaus showing the open but on the credit bureaus its shows Charged off as bad debt profit and loss write-off. This account should not show a pass due balance and all 3 credit bureaus show different high credit limit amounts and different open dates as well. XXXX is still updating this account with remarks and well which is affecting my credit score. 

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Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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

In accordance with the Fair Credit Report Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 XXXX XXXX Acct # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights 15 U.S.C. 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c ( 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 7 years, 15U. S.C. 1681 s-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, credit repair services, or other personal consumer reports

This charge off account from XXXX is not reporting correctly. I have disputed with all three bureaus and all three come back as verified-meets fcra requirements If they all get the same information from the same creditor then the information should report the same across all three bureaus. All three had failed to correctly verify the information I have asked in all of my previous letters.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and outdated personal information ( addresses, phone numbers, and employment ) remains on my credit report. I previously requested the removal of this outdated information from all three credit bureaus ( XXXX, Equifax, and XXXX ), but my request was ignored or not fully addressed. This outdated information is no longer accurate and poses a risk to my privacy and identity security. 
The outdated information includes old addresses where I no longer reside, old phone numbers I no longer use, and incorrect employment history. This information has caused issues with receiving personal and important mail, as it is being sent to old addresses that I can not access. I am worried that my sensitive information may be compromised further due to this inaccurate reporting. 
I have contacted the credit bureaus on [ insert previous request date ] to have this old information removed but have not received a satisfactory resolution. The credit bureaus are required to ensure that the information on my credit report is accurate under the Fair Credit Reporting Act ( FCRA ). The continued reporting of these outdated addresses, phone numbers, and employment violates the FCRA, as the information is neither accurate nor relevant to my current situation. 
I am requesting the CFPBs assistance in ensuring that the credit bureaus immediately remove all outdated personal information from my credit report and provide confirmation of the removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating my rights! 

I have disputed this account with Equifax for removal as the other agencies have removed it, but Equifax has refused to remove it! This is a violation of my rights! 

Account -- XXXX XXXX It even Erroneously states the account is NOT disputed, I have disputed this account 4 times with Equifax! I demand its removal.
Product: Credit card or prepaid card

A couple months ago the account popped up on my credit report. I disputed it and it was removed. Then recently I noticed the same company was back but on another credit bureau. 
XX/XX/XXXX, I disputed the account on my credit a second time. 
They didnt remove it this time. 

I never heard of this company, and I would like for this to be resolved.