23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I made over {$44000.00} in voluntary payments to XXXX on XXXX during the payment pause ( see attached ). Since then, my loan servicer changed to Mohela. I requested a full refund from Mohela in XX/XX/XXXX and so far have received {$110.00}. 

Several calls and emails have made to Mohela over the last 15 months regarding the rest of my refund ( I attached a few screenshots, just to show the dates ). XXXX response I got from Mohela was they are only responsible for submitting the refund request, and that I needed to contact Federal Student Aid to check the " National Student Loan Database '' to figure out why we only received {$110.00}. 

I made the phone call to Federal Student Aid as advised, and was told Mohela is responsible for my refund request. 

I have spoken to different people at Mohela and received responses such as " we have a lot of refunds to process, wait XXXX weeks, '' or " you need to contact XXXX. '' The most recent response I received from Mohela ( from a supervisor named XXXX on XX/XX/XXXX ) is that since some of the loan groups were paid in full and closed at XXXX, they were never transferred to Mohela. Therefore, I needed to " request the refund from XXXX ''. 

I spoke to a supervisor at XXXX ( XXXX ) on XX/XX/XXXX, and he says Mohela has the ability to request refunds from the Dept of Treasury for any voluntary payment made in XXXX, even if the loan was paid through XXXX. He also mentioned the cutoff to request a refund from XXXX was XX/XX/XXXX, and the messages I send ( including the refund request I sent months ago ) " don't always attach '' to my accounts, even if I am logged in on the portal. XXXX also does not show a " sent messages '' folder, so I am unable to provide screenshots of the messages I have sent to them. 

Mohela and XXXX have both been denying responsibility for my refund request for over a year, and XXXX of them is giving inaccurate information.
Product: Debt collection

I have spoken to them informing them of financial crisis im going through. After this they proceeded to contact my family and inform them I am behind on payments and owe them money. They even specified the amount of money I owe them.
Product: Credit reporting or other personal consumer reports

I recently disputed these items listed and I don't believe a proper investigation was done. You have failed to properly investigate and remove these frivolous personal information and have not provided validated proof of any findings that prove these personal information was authorized by me. These personal information should be deleted immediately. I also attached a copy of the FTC report including these fraudulent personal information.
Product: Mortgage

We had an insurance claim on our primary home, nationstar mortgage now known as Mr. Cooper has been managing our claim funds of over {$100000.00} for over two years now. They have been extremely difficult and at many times delayed the disbursement of funds which has also delayed the reconstructions of our home. This company caused us incur extra expenses which they have not reimbursed us for yet. This is our second time complaining about this company to your office. Our main issue now is the remaining of the escrow funds left from our insurance claim has been sitting in their " escrow/loss draft '' department for months, after our several attempts in getting Mr. Cooper to apply those remaining funds into the principal of our mortgage loan. We have called multiple times and have spoke to their loss draft department which are in charge of our insurance claim funds and we explained the reconstruction of our home has been completed for quite a while and we specifically asked them to please apply the left over funds of over {$8000.00} into the principal balance of the mortgage loan. At one point we were told this would be completed within 5 days. We called six week later as this was still not completed, we spoke to the same gentleman XXXX in loss draft department and he gave us unreasonable excuses as to why this was not done. He promised to call us back in a week and as of today it has been over 4 weeks since our last conversation with him. We ask that Mr. Cooper provide us with a detail report of all the funds to our insurance claim and to apply all left over funds into the principal balance of our mortgage as previously requested. We are extremely upset with this servicing company on how they have handled our claim funds. Even after two years since our claim, they continue to delay disbursement of our funds even when we simply ask to apply them towards our principal balance. My husband and I want your office to review in detail how these funds have been handled as we are afraid they have mismanaged our funds. This servicing company should not be allowed to handle insurance claim funds.
Product: Credit reporting or other personal consumer reports

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY!

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 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT!!!
Product: Bank account or service

On XXXX XXXX 2015, I deposited a check at USAA of {$1100.00}. Once deposited, {$500.00} was available on my account. The next day, I looked at my account and it stated that the check was on hold and my account shown a negative balance of {$490.00} was place on my account. When I spoke to the bank, they stated that this was a federal regulated hold that was randomly placed due to the longevity of my account.
Product: Checking or savings account

I received a letter and debit card for an account that I did not open. I called both PayActiv and XXXX XXXX XXXX XXXX XXXX. PayActiv refused to close the account and XXXX XXXX XXXX XXXX XXXX refused to close the account. I did not open the account.
Product: Debt collection

Here is the situation, my husband and I lived at the XXXX courts for almost six years and it came to a point where the neighbors were so disrespectful and inconsiderate after only being there for one year. We spoke with the leasing office and we tried resolving the issues and it continued for months, therefore, it left my husband and I no other choice but to find another place to reside and we had to break our lease, we totally understand breaking your lease before it expires, you are still liable for the remainder of the terms on that lease. I feel we had probable cause and therefore when the timing is right and the funds are available we will in turn take care of this matter! Until then, it does not give the reporting company to keep harassing us about non-payment at my work place. I prefer they didn't call, but they have yet to sent out a letter, in regards to this matter!
Product: Checking or savings account

An ACH transfer was accepted by LendingClub XXXX XXXX.on XX/XX/21 but the funds have not been deposited into my account as of XX/XX/21. 

I have reached out to them and they will not deposit the funds, saying they can not track them down, I have documentation showing the ACH transfer was accepted. 

Now they are not accepting my phone calls and I can not speak to anyone to get a resolution to this matter.
Product: Credit card

On XXXX, I received monthly statement from AvantXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It shows that my balance due {$0.00}. And they have updated my account after my billing error dispute was sent to them. I log into online portal and that its not giving me access and not allowing to you used my card. 
According to the following section XXXX states that there shouldn't be any restriction for me using my card because the account has been made current .... XXXX Billing error resolution section d ( XXXX ) ( XXXX ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I am the Really XXXX XXXX XXXX someone is logged on to my credit reports changed info and his email is XXXX I have my birth records marriage license and drivers license and my husband and family to prove who I am, I will be getting a lawyer for this because I went down to social security office and reported my maiden name card and my married social security card was stolden they did not do a XXXX thing all the guy said was oh I just moved out by you.I want the people who did this punished
Product: Credit reporting or other personal consumer reports

Dear Fair Collections and Out I am responding to your contact about a debt you are trying to collect. You contacted me by phone, on XXXX XXXX and identified this alleged debt. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.

Internal Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 

Best Regards, ( XXXX XXXX XXXX
Product: Debt collection

GREATLAKES AND XXXX KEEP CALLING MY CELL FOR XXXX & XXXX, SKIP TRACING FOR THEM. PLEASE FURNISH ME ALL YOUR NUMBERS USED TO CALL ME SO I CAN BLOCK NUMBERS ON MY CELL PHONE.
Product: Debt collection

The company ACT debt collectors call me at my work desk phone and work cell phone. They have called me after XXXX XXXX as well. I have asked them not to call me as I put this under bankruptcy years ago.
Product: Credit reporting or other personal consumer reports

The XXXX data breach and other breaches has severely impacted my ability to secure housing and basic services. Due to compromised credit, I've been unable to lease or rent a car, and my income is considered sufficient by landlords or dealerships but my credit history hinders me. I was unaware of these issues, especially during XXXX, and some original creditors have sold my debt, making it impossible to get clear information. As a result, I am facing homelessness and severe financial barriers.
Product: Checking or savings account

I previously had a bank account with XXXX this account was closed in XX/XX/XXXX. On XX/XX/XXXX, I received an email from USAA stating they were trying to mail me a check but had the incorrect address. I updated my address with USAA and I was told they would send out a new check. I called in on XX/XX/XXXX to inquire as to the status of the check. I was told that they were exercising their right to not speak with me, nor would they give me any information related to whether or not a payment was re-issued to me with the updated address. 

XXXX 's check number : Check amount : Check date : Payable to : Address : XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Student loan

I arranged an automatic payment to pay my student loan payment to Discover Student Loans. I authorized ONE month payment. It was due XXXX XXXX and I had to wait to get paid on XXXX XXXX. It was late, but I scheduled it to pull from my account with my next payroll direct deposit. The next payment is not due until XXXX XXXX. I did not set it up as an automatic payment, but a one-time payment. They withdrew the month 's payment I authorized as agreed, AND they then took a second payment from my checking for a slightly higher different amount. The monthly payment due was {$310.00} and I authorized this amount. They stole an unauthorized amount of {$310.00}. They overdrew my account. How can a bank do this? What recourse can you take against Discover Student Loans to police a this student loan financial institution from stealing money from my checking account without authorization? I am one XXXX, and they are a large financial institution. They know their customers are young individuals without resources to battle them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continue to violate the FCRA requirements with not just one violation but multiple FCRA violations. I have clearly pointed out the multiple violations with my dispute with the XXXX XXXX account XXXX. I have circled and highlighted multiple FCRA violations by Experian with this dispute. I have provided supporting proof documentation directly from the credit report showing the multiple FCRA violations. Experian continue to violate and brake the law by continuing to report this account with multiple violations of the FCRA. Please see attached supporting documentation for CFPB review. 

CFPB I am requesting that under your governing supervision of Experian that you hold Experian accountable for Multiple violations of the FCRA. As the governing agency you should ensure that Experian dont continue violate the law in this dispute. I will not stop disputing this account that contains multiple FCRA until this account has been removed from my credit file.
Product: Debt collection

Wednesday, XX/XX/XXXX, at approximately XXXXXXXX XXXX, I received a text message from Unifin. I replied with STOP and received a confirmation that I was successfully opted out of future communications. 

On Wednesday, XX/XX/XXXX, at approximately XXXX XXXX, I received another unsolicited text message from Unifin. I did not resubscribe or provide consent to receive additional communications after opting out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called every year for the past 4 years to ask why my online account always shows an error message of BLNK. 
Equifax promises to escalate and fix it but they never do. One car dealership required I pay an extra {$1000.00} deposit because they could not get my Equifax score. 4 years ago. 
When I called Equifax they said it was not frozen yet the dealership insisted it was. I have never been able to resolve this problem for 4 years. 

I read online articles about how they split your account due to too many soft inquiries. Equifax has never told me about such a situation. 
After calling today they could not help me due to system issues. They asked me to call back. The phone line verification process is extremely lengthy. 

I will call back however, I believe the way they manage their customers is atrocious and scandalous how they get away with doing nothing. 
2 of the same screenshots below when I login for the past 4 years They also do not show a car lease I have had for the past 15 months. 

I understand from reading on line that a situation can be created with Equifax where I can have a split file due to too many soft inquiries. Apparently it takes another level of management to fix this situation. Please help.
Product: Debt collection

A writ of garnishment was hit to my bank account without proper notification I guess the papers were sent to an old address that I haven't lived at for over 2 years. 
The judgment was issued in XXXX of XXXXAccording to them I see that it was {$880.00} they added fees bringing it to {$1400.00} The writ of garnishment was the original amount {$1400.00} with other fees added to bring it to {$2100.00} and that is what the leviest for in my account I was not notified I've reached out to the company to try to get this reversed and set up a payment arrangement due to hardship and they refuse to work with me. 
It looks like according to the court papers that I obtained myself date submitted a writ of garnishment that is dated for XX/XX/XXXX of XXXX again I was never notified that this was going further or I would have taken action and taken care of it. 
I told the rude lady that wouldn't get me a manager that don't they think people 's lives change in 4 years why was I not reached out to about this situation to see if there was other alternatives I just need to get my money released so I don't have to find a place to live this has caused a financial hardship emotional hardship mental unstability on top of having a XXXX  I've been trying to deal with all this. 
I'm not trying to get out of the debt I'm trying to get the debt collector to work with me since they did not do what they were supposed to by notifying me of this writ of garnishment therefore I didn't have time to submit the questions because I didn't receive the documents therefore unfair practices on their part. 
For what I've read from this Midland funding company they're one of the worst debt collectors out there they do a lot of sneaky stuff I did file a motion with the court and the judge said I can reach out to them for a payment arrangement and they refuse to work with me they said they didn't get anything filed no motions no requirements no nothing so I uploaded all that to them today stating that they are able to work with me per the judge. 
So recap this all started in XX/XX/XXXX They submitted paperwork to the court on XX/XX/XXXX to add more fees it was filed in the court on XX/XX/XXXX they stated I was notified I did not receive anything from them otherwise I would have submitted the questions to be answered by me so that I can try to avoid this and work a payment arrangements for goodness sake I can almost have this paid off by now if I would have known about if I would have known if I would have known if I would have been notified correctly.
Product: Mortgage

XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Loan number # XXXX OCWEN Short Sale OCWEN is forcing an illegal foreclosure in the midst of short sale negotiations and has not served the home owner with foreclosure paperwork. the foreclosure date was re-assigned yesterday for XXXX/17
Product: Vehicle loan or lease

A misrepresentation is a false statement of a material fact made by XXXX party which affects the other partys decision in agreeing to a contract. If the misrepresentation is discovered, the contract can be declared void. Depending the situation, the adversely impacted party may seek damages. 

Sec 628 - penalty for false statements. 

( a ) which is false in any material Particular, knowing it to be false; or ( b ) Which omits any material fact, knowing it to be material ; He shall, save as otherwise expressly provided in this act, be punishable with imprisonment for a term with me extension XXXX  years, and shell also be liable to fine. 

What makes a contract void? 

-A contract may be deemed void if the agreement is not enforceable as it was originally written. In such instances, void contracts ( also referred to as void agreements ), Involve agreements that are either illegal in nature, or in violation of fairness or public policy
Product: Checking or savings account

Hello, My name is XXXX XXXX on XX/XX/XXXX a pension disbursement check from XXXX XXXX XXXX XXXX XXXX XXXX was deposited to XXXX XXXX XXXX in a IRA the amount of {$7200.00}. I made another withdrawal in XX/XX/XXXX of {$1200.00}. I made another withdrawal of {$1500.00} in XX/XX/XXXX. I forgot about the money years later and never withdrew anymore. The bank was taken over by Bank of America and I inquired about the money and I was told there is nothing in the account. So I would like to know where the remainder {$4500.00} plus interest.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got sent to collections by Charter Communications. I contacted them and they were not able to pull up any account under my name, phone number, email address or physical address. Once I was able to get the debt collector to contact me, they provided the alleged debt owed for internet service XXXX, which is not even available in my area. The account information they sent me was under someone else 's name and address in a different part of Colorado than where I have lived for over 20 years. Again, XXXX  has no information of me ever having and account under my name. They also never sent me any kind of information, before sending this to a debt collector. The debt collector provided me with the information that is not mine and refuses to stop collections attempts until I jump through many hoops, even though it was proven not to be my debt, name or address.