23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

It appears that Mohela is wrongfully adding loans to my account. My balance is reporting {$6000.00}, which is incorrect because my balance was roughly XXXX, and on XX/XX/2023, my federal government job sent in a payment of XXXX to Mohela which was posted on the old Mohela service but not updated on my credit report. After this payment was applied to Mohela, my balance was around XXXX on the old Mohela XXXX. 

Now on the new mohela and on all of my credit reports, the balance is reflelcting XXXX which is incorrect. I called Mohela agents numerous times and I am getting conflicting information. XXXX agent told me that I was correct but could not offer a solution and another agent this week told me that I owe the XXXX. The numbers do not add up and this is not accured interest. This is simply a wrongful charge and I feel that I am being taken advantage of by Mohela. I have not been provided opportunity to speak to a supervisor. This is extremely unacceptable and false documentation of financial history after payments have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Basically this boils down to a feeling that two nave people looking to better themselves were taken advantage of by predatory lending and now continue to slide down a slope with no hope of recovery. Navient ( XXXX XXXX ) leant my wife and I an exorbitant amount of money which clearly had no opportunity to be repaid. I have lost a home in the process and continue to be handcuffed by a debt we ca n't shrink but have watched grow exorbitantly. I would like to be responsible about getting Navient reimbursed fairly. I am seeking to have all of our loans consolidated and then the interest be brought to 0 % or there about so that my wife and I can work to pay them money owed and be done with them. We have paid nothing but interest for many, many years now and the debts have basically doubled in that time. If you suggest we file bankruptcy as a result I am looking for suggestions and assistance. I have heard horror story upon horror story about people just trying to better themselves being totally taken advantage of by a predatory system of greed.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I completed a service transaction for website consulting, processing a payment of {$5400.00} from my client through XXXX, which utilizes WePay as its payment processor. I am a freelancer and sole proprietor, and this payment was for an extensive ecommerce store build for my client. The payment was shown as processed on XXXX. 

However, on XX/XX/XXXX, WePay sent an email notification indicating the payment was put on hold and requested additional information within two days for verification purposes. Unfortunately, this email was automatically directed to my spam folder, leading to my unawareness of this request. 

Given the timing during the holiday season, combined with the email being missed in spam, I was unable to provide the requested extensive information within the given timeframe. Subsequently, on XX/XX/XXXX, WePay sent another notification, which I also missed for the same reason, and then proceeded to terminate my account, stating that the funds would be held for 120 days. This decision was made without returning the funds to my client or allowing for a payout to me, despite the completion of the contracted work and the client 's satisfaction and willingness to pay. 

Upon discovering these emails later, I promptly responded to WePay with a detailed submission of the requested information, including a signed XXXX agreement with my client, detailed email conversations validating the service and payment agreement, and the invoice showing the transactions for both the initial deposit and the final payment. 

As of XX/XX/XXXX, the funds are still being withheld by WePay, and I have been informed that due to the termination of my account, they are unable to process the payout of the funds rightfully owed to me for completed services. They did not refund the amount to my client either, so they are holding onto this money themselves. 

This has caused significant financial and professional distress, as the funds represent payment for legitimate work agreed upon and verified by both parties involved. 

I need the CFPB 's assistance in addressing this issue, ensuring the release of the withheld funds, and the unreasonable account termination by WePay. I have no interest in continuing an account with them, I only want my money they are holding onto.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notifying the banks as well as the 3 credit bureaus about inaccuracies on my credit report for many months. I have notified you multiple times informing you and many others that the credit bureaus are not doing their job as required by Title 15 USC 1681. My personal information is private not only can they not report something without my written authorization. But they are required by law to verify and validate this information. I have sent them letters repeatedly since XX/XX/2022 and you can see clearly on the top of each page that many of these accounts have not been verified at all and many others have not been verified in months. 

This violates my federally protected rights and this needs to be addressed as soon as possible. Each violation of FCRA or FDCPA is a fine for {$1000.00} these negligent issues need to be addressed immediately! They had 30 days from the 1st letters I wrote to them months ago to validate and remove.

Attached is 1 of the 3 letters that I sent to the 3 credit bureaus.
Product: Student loan

I have been paying on my student loans for over 20 years. I have been a full time XXXX   for over 20 years. After being denied consideration for the Public Loan Forgiveness Program by fedloan servicing, I applied for the TEPLFP on XX/XX/XXXX. In XX/XX/XXXX, I was denied based on having XX/XX/XXXX qualifying payments. I reapplied in XX/XX/XXXX and was told by a representative of fedloan serving that I should definitely qualify. Today, I received an email from fedloan servicing that I do not qualify for TEPLFP because they have changed their qualificationsfrom 12 qualifying payments to 120 qualifying payments ( same as PLFP ). I had applied for a program, and I feel they should honor the terms of the program I applies for. I have never been delinquent on my student loans for the entire time I've had them, which is over 20 years. My payments are currently {$760.00} per month. I have gotten my hopes up for student loan relief numerous times just to find out that I don't qualify base on some small detail or because the qualifications suddenly changed.
Product: Debt collection

I have a judgement from XXXX XXXX XXXX on my credit that was paid in 2018 in full {$210.00} I have reached out to the XXXX XXXX and the collections agency and they confirmed the balance is paid in full!
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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: Credit reporting or other personal consumer reports

In Accordance with the 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. 

Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX XXXX XXXXXXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX  Account Name XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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. 1681 Section 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

I was at the car dealership and Found out that a lot hard inquiries that I didn't recognized nor did I authorize XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX - XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All my inquiries have been hard pulls and its affecting my credit I got a full credit report and dont recognize none of these inquiries done by me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has an issue with servicing. One XXXX XXXX associate told me they would stop payment, after dispute submitted, and return me my funds. Pending, 7-10 day investigation. I was then told I would be transferred to complete the return of funds. When transferred, the transfer was to XXXX not XXXX XXXX. And the person on the line had no idea what I was talking about. After some condescending discussions about what a dispute and a stop payment is and after he, white male, tried to shoo me away with a form, that we both determined at the beginning of the call didnt fit my situation. He then told me to hold on ; after sounding frustrated and hung up on me. After calling back and waiting an extended period for another agent, I was told the first agent that submitted the dispute was wrong on the recovery process. I do not care about these nonsense guidelines only used on the people who are responsible for these companies existence. Save that talk for a legislature or some entrepreneur ready to take a portfolio of subprime debt. I paid to have a debt removed by a date. It has been told to me, by the company, they will not provide assurance of the removal to me. Even though, when I paid, I was told I could call and get a form to show it was paid. So they didnt remove it by XX/XX/XXXX. They told me effectively they wont even begin the process until XX/XX/XXXX. Meaning it wont be off my credit until XX/XX/XXXX. Go back and listen to the call, I said, if it cant be off by XX/XX/XXXX, Im not paying. I was told it would be. So, XXXX XXXX committed fraud to get payment on a debt. Then, went to the bureau and stated it was paid. Only for them to update as a new debt with a new balance. Why would I pay them, only to let them, turn around and repost on my credit? All that 30 day wait nonsense is a policy used to maximize efforts to charge and punish. Up to 30 days, is not the same, as waiting until the XXXX day, at XXXX, to notify the bureau. When I only paid to have it removed before XXXXXXXX XXXX. We had a deal for a service they did not provide. Meaning, I shouldnt be response for paying for those terms. Any XXXX law student could get that, but the folks at XXXX and XXXX XXXX dont seem to understand consideration, offer and acceptance. Digital currency or physical cash it doesnt matter. If I agree to pay for x and got c, then I need my money back for x. This isnt rocket science. Its called doing the right thing. Its not a magic wand as the white condescending and lowkey ignorant associate tried to make it seem. Im not asking for a handout. Im requesting you as a bank and XXXX provider do your job. Call it a theft. Call it fraud. Call it bait and switch. Call it whatever you want, but it would be ridiculous to consider this as a harm to me, the consumer. A consumer is entitled to a receipt for their purchase. I dont have a receipt. No account manager to discuss with XX/XX/XXXX XXXX XXXX is effectively acting like the good guy for doing a dispute, then they send you to XXXX who doesnt even know what youre calling about. In no way is this acceptable.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

high rate interest 12.99 % .account number. Monthly payment XXXX. Daily interest {$1.00}. Collateral XXXX XXXX XXXX XXXX. Is too much inyerest .I colled many times for reduce interest rate but no happen nothing.Wells Fargo dealer service
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to update my personal information and they refuse to do so. I do not receive mail at XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX. I have a right to an accurate credit report according to the FCRA laws. Remove immediately.
Product: Checking or savings account

I opened up bank account with Bank of America in XXXX, Ma in XX/XX/2022. And deposited my checks from XXXX XXXX. Deposited {$5000.00} check plus {$1500.00} cash. After that BOA closed my account for no reason and it has been 3 months, they never give me my {$6500.00} deposit back. Each time I call, they give me a different date and different reason, seemed like on one really know why. I need to get my money back to continue my life. Im an XXXX  and my life pretty much stopped and I dont have money to make a living now because BOA took all my savings and wont give back to me. Need help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reported multiple inaccuracies on my credit report with out a proper method of investigation that is enforced FCRA laws which state that they have t o show me " Physical, '' proof of how they were to able to verify these inaccurate accounts. They must show proof of who they spoke with, when they spoke to said person and a contact number for said person. Stating the company name is not verification. They have not provided me with any physical proof just a speculat ion stating an item was " verified '' or " remains '' which is not a verification. They are not following the law and has show a total disregard of following the law. I have attached a letter which describes all the inaccuracies and and my identification to prove my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  accounts XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX & XXXX XXXX # XXXX has violated my XXXXights.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. States a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Recently I XXXX XXXX, formerly known as XXXX XXXX was sued for a very old collection account. I demanded a full investigation as to the age of the debt, and I won in the XXXX District Court as the debt simply was no longer enforceable. So, I started to do some additional research pertaining to a default judgment entered against me in XX/XX/2018 by XXXX XXXX XXXX, as assignee for J.P. Morgan Chase. I now have a judgment against me that had no right to ever be before a judge in the XXXX District Court, XXXX XXXX XXXX, XXXX, MA XXXX. I am going one step further by stating that the original debt with J.P. Morgan Chase had been in default for well over seven years, and for that matter the account is not even posted on any of my credit bureaus. The debt buyer known as XXXX XXXX XXXX is protected within the XXXX of Massachusetts from even licensing as a debt collector as per recent Superior Court decisions as well as a mandate from the Massachusetts Banking Department. A law firm know throughout the XXXX of Massachusetts as XXXX XXXX  XXXX filed the lawsuit, and I was never given proof of ownership of debt from XXXX XXXX  XXXX that XXXX XXXX XXXX had the necessary assignments of debt, and/or any upset price on the purchase of said debt. I am a woman of XXXX  status, being a person of 50 % XXXX and 50 % XXXX heritage. I work a very responsible job for the XXXX of Massachusetts, and I believe that debt buyers target minorities due to their limitations within the financial system in general. I have been the target of racism and I do not believe that proper due diligence was proved on ownership in the judgment posted against me. I hereby demand a full vacatur of the judgment against me immediately, and a return of all funds seized from my payroll checks. I will take the following actions within 30-days if my  rights under the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act are not protected : 1 ) I will  submit a bar complaint against XXXX XXXX  XXXX and XXXX XXXX XXXX, Esq. 
2 ) I will submit additional complaints within the XXXX of Massachusetts agencies such as the Office of Attorney General and the Massachusetts Department of Banking. 
3 ) I will submit complaint with the XXXX and XXXX XXXX, as I believe that a proper investigation will prove XXXX bias in the debt purchase scam, as well as with their lawyers that enforce these judgment actions in our district courts. 
4 ) I have three additional areas to steer this issue to that I will reserve at this time. 
5 ) J. P. Morgan Chase violated my rights by submitting my collection information outside of legal timelines, and should be sanctioned by the CFPB. 
Please take my complaint with the Consumer Financial Protection Bureau serious and address my concerns. I do have a civil rights lawyer from XXXX who wants to come on board with my complaint, but I told him that at this time I am trying to protect my family and would like to see if the problem could be resolved peacefully without additional actions. 
I demand that the judgment taken against me be vacated immediately and all seized funds returned. 
XXXX XXXX
Product: Debt collection

In XXXX XXXX  leaked the data of 143 million Americans, I was also one of those 143 million. My personal information was used to open several accounts in my name, as a result I have become a victim of identity theft, my overall credit score as well as mental health has suffered greatly. 

The following accounts should be removed from my credit file. 

1.Interstate Credit Collections {$780.00} 2.Interstate Credit Collections {$780.00} I have disputed this account twice ; this company has not verified this account as belonging to me. The Fair Credit Reporting act requires you to remove this account from my credit file as soon as possible. Under the " Fair Debt Collection Protection Act '', by law, your company should have sent me the following information. 

1. An explanation of what this alleged account balance is for.

2.A calculation of the balance, including the complete payment history.

3.Documentation that shows I have agreed to pay this debt.

4.The agreement that grants you authority to collect on this alleged debt.

5.A copy of your state license, including license number. 

Your company has failed to provide me with this information, my lawyer has advised me that we will move forward in court in exactly 4 business days if this information is not removed today. 

In the event that you do not remove this account from my credit file, I will move forward with the necessary steps to sue you for actual damages and declaratory relief. According to the FCRA regulations, I may sue you in qualified state or federal court, including small claims court in my area.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a fraudulent account on my credit report that does not belong to me. For this reason, I have been denied credit. They are in violation of the FCRA and I plan to sue.