23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX2023 I called Mohela and asked to speak to a supervisor ( XXXX I believe ) and she confirmed my SAVE Income Driven Repayment Plan for loan sequence # 22 of {$750.00} for a household income of approximately {$65000.00} a year was incorrect. She also confirmed I am not due to recertify until XX/XX/XXXX. I NEVER self report income and always send income information through the IRS link. She put in a request to have my IDR plan reviewed. The next day under Documents Received it showed IDR processing with a date of XX/XX/XXXX. 

On XX/XX/XXXXXXXX  I received a notification loan sequence # 22 was placed in an Administrative Forbearance. Under Documents Received it still showed the IDR plan processing with a date of XX/XX/XXXX. I called Mohela on XX/XX/XXXXXXXX  and asked to speak to a supervisor ( XXXX I believe ) who advised that my loan was placed in Administrative Forbearance because more time is needed to process the IDR request. She also confirmed my payment amount is incorrect and I am not the only person with this issue. I expressed my concern that I would not qualify for PSLF for any month I am in Administrative Forbearance. I was told it could be corrected to qualify for months in Administrative Forbearance but am skeptical. I inquired about requesting to remove the Administrative Forbearance but she advised the XXXX bill most likely would be the {$750.00}. I decided to wait to request the removal of the Administrative Forbearance to see if my IDR plan would process. 

On XX/XX/XXXXXXXX  I logged into Mohela to see that my IDR plan was canceled. I DID NOT request this to be canceled! I did not even request to apply for the SAVE IDR plan. I am confused why when I recertified most recently the payment was approximately {$50.00} a month for loan sequence # 22 and then in XXXX it jumps to more than the standard repayment amount. I am frustrated because I will not qualify for PSLF for the month of XXXX and potentially additional months until this is resolved. I SHOULD NOT be penalized for mistakes Mohela has made! I have been on top of my loans ever since they went into repayment in approximately XXXX. I am at a loss at what I can do to get this resolved since I thought the IDR review would correct it eventually but now it is canceled. 

I am currently in the last 10 months of 120 payments for PSLF. I have 7 of those months completed but need to certify my employment. I planned to certify my employment following the 10th month which would be XX/XX/XXXX. Mohela 's errors are jeopardizing this.
Product: Credit reporting or other personal consumer reports

Code 605b Complaint : released my information unlawfully due to their negligence during data breach
Product: Mortgage

My recent streamline refinance added back MIP which we met that obligation back in 2015. Caliber will not remove it please see attachment for all supporting documentation.
Product: Debt collection

A collection agency requested info from a former landlord. I would have used that landlord as a reference, but can't now. 
On the envelope was a lawyers name and address. FDCPA subsection 804 states that no symbol, logo, or names shall be used that infere a debt collection. As now i can no longer use that landlord as a reference, there is a violation of FDCPA policy with a penalty up to {$1000.00}. I'd like that agency to pay their fine. Per FDCPA subsection 813. Thank you
Product: Credit reporting or other personal consumer reports

XX/XX/year> I was involved in accident, causing complete and total loss of my XXXX  XXXX XXXX In XXXX, IL. I had full coverage insurance + GAP Insurance. My gap coverage completed its payment BEFORE my next payment was due to XXXX XXXXXXXX XXXX 

Gap Claim Docs Contract # XXXXXXXX XXXX XXXX paid Gross Amount : {$15000.00} Claim # : XXXX percent XX/XX/year> {$19000.00} original financed amount I have filed, on at least XXXX occasions, credit disputes because they reported me late in my last XXXX  days of paying them in full, that I was {$1.00} short. I have tried to get another car through a carlot and they have denied me for a loan again including other financers. Why report me late for {$1.00}. This is beyond egregious and has caused me great hardship. I just had a baby, make more money now than I have in the past, and cant purchase a vehicle from a reputable lot and this is XXXX of the main reasons why. I have also been working on my credit and want the late payment removed.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to necessitate the removal of any incorrect accounts from my credit report. Could you review the documents? Some accounts have inaccuracies in reporting, amounts, and dates.
Product: Mortgage

we have applied for a loan to Re-finance to a lower rate. Citi Mortgage sent us invitation to refinance with a {$1000.00} coupon. We followed their instruction and paid appraisal fee on XXXX XXXX XXXX.My property value came up to {$1.00} XXXX. My credit Score is XXXX by credit reporting, We applied for a loan amount of {$450000.00}. 
Citi mortgage broker asked us for 12 documents. We have sent citi mortgage all requested documents at least 5 times or more each time. Every few months for several months during year XXXX. 
On the XXXX of XX/XX/2021, The Broker Mr. XXXX XXXX called me that he need one last document. A copy of one month 1099 direct deposit, from my wife employer, to citi bank statement where my wife carries professional corporation account.

We have sent him THREE MONTHS statement XXXX XXXX. We also told him that the Employer does not send PAY STUBS each month. They only make direct deposit each month an the stub is sent at a latter month, or when requested.And 1099 is prepared end of the each year. That is how it is setup with the employer.Mr. XXXX the broker told us that he need XXXX statement. We sent a copy of direct deposit from Citi bank statement, to him. We have told him that the month of XXXX did not end of yet. This will be given XX/XX/2021. Mr.XXXX XXXX the broker started to argue with me. And my LOAN got cancelled, because of my wife pay stubs. Although we showed proof of payment, from employer.They discriminated our loan with no apparent reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Appfolio colluded with property management companies to defraud me as a consumer. I have no credit score with XXXX, nor did I give Appfolio or XXXX the authority to defraud me by coming up with a credit score not offered by XXXX. XXXX provides the only credit scores authorized to be reported for me. I also pay for credit monitoring. This is relative because no inquiry was made of my credit profile by

Appfolio although I paid them for two separate applications. In order to commit fraud and to wrongfully collect applica
tion fees, Appfolio colludes with property management companies to collect fees from consumers without running their credit profiles. My credit profile was never accessed by Appfolio and when I made several written demands from XXXX XXXX XXXX XXXX and XXXX XXXX requesting my tenant screening report, neither company complied with my request. These companies had already verified my references and they checked out. However they never ran my credit profile and denied my applications. 
However, they presented a fraudulent, inaccurate report to two property management companies to prevent me from renting due exclusively to race. Appfolio presented a completely different score that exceeded this score by more than XXXX points to another Appfolio client that rents slum apartments to XXXX people. The reports are identical and have the same credit information. However, one report scores my credit at XXXX while the other report scores my credit at XXXX. This score was given to prevent me from renting from two rental management companies XXXX for discriminating against XXXX people. Upon inquiring to both of these companies without race being disclosed, the properties were available. In person, the properties were renting. Appfolio may not assist in the discrimination of XXXX people by XXXX companies that would rather not rent to XXXX people.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

On XX/XX/XXXX, I checked my credit report and noticed a collection account had been posted for an apartment that I previously lived in. Prior to the account being sent to collections I spoke with the leasing company to dispute the debt as I was misinformed by one of their agents. In XX/XX/XXXX, I expressed to the leasing agent that I could not continuously walk up to the XX/XX/XXXX due to health concerns. At the time aXX/XX/XXXX unit was available, the agent advised she would submit the internal request for me. In XXXX, I went to the office again for which the unit was still available but had been offered to another tenant. I expressed the need for a XX/XX/XXXX unit or I would have to relocate. The agent assured me that if I signed the lease, the company would rescind it if a XX/XX/XXXX unit did not come available before XXXX. I had to sign the lease to keep the renewal rate or my monthly rent would be month to month which I could not afford. I moved in XX/XX/XXXX because I found a unit with no stairs. 
I contacted Ideal Collections Services on XX/XX/XXXX to validate the account with negative results. I requested a validation letter that was emailed to me on XX/XX/XXXX after my request but I had not received a letter from Ideal Collections Services prior to this date. To the best of my knowledge the account was still being disputed with the leasing company as I had received their letters and follow-up phone calls regarding the misinformation. 
On XX/XX/XXXX at XXXX XXXX, Ideal Collections Services offered a payment plan with first payment due on XX/XX/XXXX. I was still attempting to negotiate a settlement with the company and make arrangements that would not cause a snowball effect of my other obligations ; however, I did make the payment to Ideal Collections Services for {$180.00} through my banks bill pay service. 
I feel because I refused to provide my checking account information to the Ideal Collections Services via phone they refused to continue the payment plan. 
On XX/XX/XXXX Ideal Collections Services representative XXXX XXXX advised they would not be accepting the payment and it will be refunded. To date I have not received a refund or the returned check in the mail. 
The entire conversation is available in an email thread to prove their unwillingness and deceptive practices as they delayed responding to my requests via email or made it impractical for me to resolve the matter.
Product: Debt collection

I contacted Arcadia recovery burea to inquire about a debt being reported. After providing information several ways, date of birth, social and name no account was found yet its being reported. Call was made on XX/XX/22 at XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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: Credit reporting or other personal consumer reports

Equifax is reporting I have two inquiries that are not mine XXXX XXXX XXXX XXXXXX/XX/XXXX Also please have all reporting agencies delete a new address appears on my report that is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call from a processor trying to have me served on behalf of Citibank for a diamond preferred credit card that they stated was open from XXXX. I do not recall ever opening this account PLUS I have SEVERAL other accounts with Citi in good standing for years, so I dont know if this is a scam or fraud or a legitimate call. Either way, I spoke to a representative at XXXXXXXX XXXX XXXXXXXX at ( XXXX ) XXXX ( the information I was given by the processor when I kept asking why I was being served and threatened with a failure to appear in court ) - who insisted they will take me to court despite my denying ownership or awareness of this debt from over XXXX ago!!!!!! He advised he would be sending an XXXX to serve me at my residence and the call ended at that point. The case number I was given was XXXX Again I DISPUTE OWNERSHIP OF THIS ACCOUNT AND the statute of limitations has expired on this matter ( XXXX  law shows XXXX  years - I dont know if this is accurate or not but either way, after XXXX, how can I go back and figure out if someone stole my identity or what?!?!?!? ) this is unfair and truly abusive practices on their part
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are unauthorized and have no purpose being on my credit report.
Product: Checking or savings account

My Checking Account had a withdraw of {$8500.00} from Chase Bank Employees claim to have closed the account without notice, letter, text, call, etc. 

Internal Theft Chase claim someone took the money from a local bank and closed the account. Internal Theft Chase claim someone used a debit card in XXXX XXXX. Internal theft of Chase claim a check was mailed to me? NONE OF THIS HAPPEN. 

Chase left me without medical care, medication, food without resolution for over a week and threaten to reverse other chages from another account.
Product: Credit reporting, credit repair services, or other personal consumer reports

sorry my grammar is not 100 % accurate! 

Hi & To Whom It May Concern : How are you doing? Im not sure who to bring this up anymore, but I been dealing with the original dealership XXXX XXXX for the last 3-4 months in regards to a vehicle that was never on my possession. As I mentioned, I never took the delivery of the vehicle and its been on principal owner XXXX and XXXX dealership for day one due to mechanical issue. And now my credit report is all ruined because the principal owners never dealt with them on timely manner. Every time I called them, they kept saying that they dont have the money to send back to the bank to remove this from my credit report. Ive called the alleged bank XXXX XXXX several times and they stated in several occasion that once they receive the money from the Dealership that submitted the Credit Application they will go ahead and remove the tradeline from my credit report. 

Today, I look at my credit report again, it continues to report incorrect on my credit profile. It shows balance {$0.00}, however, its reflecting with derogatory mark, such as comments as settled-less than full balance, other bureau shows account legally paid in full for lass than the full balance, and XXXX  reports as settlement accepted on this account or paid account/XXXX balance. As you can see on the pictures, I NEVER made the payment on this account. The dealership made the payment directly to the bank and you can see the check was made by them XXXX XXXX XXXX XXXX. 

Therefore, this is causing me tremendous stress, and Im overwhelmed with lack of professionalism and blunt errors on my credit report which is costing me thousands in interest rate and fees. 

Please, I ask again, resolve this from my credit report either CORRECT as Paid NEVER late or remove the entire trade line from my credit report as promised. 

-- I need the company to remove this tradeline from my credit report as I never made the payment, and never took the delivery of the vehicle. Please delete this tradeline from my credit report.
Product: Debt collection

XX/XX/18 I contacted a agent named XXXX from XXXX XXXX XXXX to request a Validation of debt he at first tried to get around addressing my concern. Finally I advised I'm calling to validate the debt rep placed me on a hold for a minute or so to complete the request and then terminated the call
Product: Credit card

Subject : Formal Complaint Regarding Misleading Advertisement and Unfulfilled Promises I hope this message finds you well. I am writing to express my deep dissatisfaction with the service I have received regarding my recent application for the Capital One Quicksilver Rewards Credit Card. 

In XXXX, I applied for the Capital One Quicksilver Rewards Credit Card enticed by the advertised sign-up bonus of {$200.00} upon spending {$500.00} within the initial three months of card ownership. I promptly met this spending requirement within 20 days of receiving the card, eagerly anticipating the reward. However, to my dismay, despite adhering to the terms and conditions, the promised reward was not credited to my account. 

Upon contacting Capital One, I was assured by a representative that my account was indeed eligible for the {$200.00} rewards and that they would be added upon completion of the three-month period. Understandingly, I waited patiently for the specified duration, only to be met with disappointment once again when no reward was forthcoming. 

Subsequently, I lodged a complaint with Capital One, providing them with all relevant details, including the assigned complaint number : XXXX. After three days of waiting, I received a response stating that my account was not eligible for the rewards as I had applied for a different credit card than the one advertised. This assertion contradicted the assurance provided by your representative earlier, leaving me feeling misled and unfairly treated.

Moreover, I find it unacceptable that despite Capital One acknowledging their representative 's error, no satisfactory resolution was offered. Instead, I was merely compensated with a meager {$25.00} reward as a token gesture, which does not adequately address the issue at hand. 

Furthermore, my disappointment is compounded by the discovery of numerous similar complaints from other customers who have experienced similar instances of misleading advertising and unfulfilled promises. It appears that Capital One 's marketing tactics, particularly the design of their website, may deliberately confuse customers into applying for different credit cards than intended.

I want to reiterate that I meticulously researched the Capital One Quicksilver Rewards Credit Card and its associated terms and conditions before applying. I followed all guidelines to ensure that I applied for the correct card that explicitly advertised the {$200.00} bonus. 

In light of the aforementioned issues, I urge Capital One to rectify this situation immediately by honoring the original agreement and crediting my account with the promised {$200.00} reward. Additionally, I implore you to review your advertising practices to ensure transparency and clarity for all customers.
Product: Credit card

Timeline of Events : XX/XX/year> : I initiated disputes for several payments totaling {$8900.00}, with amounts of {$2700.00}, {$2300.00}, and XXXX charges of {$1900.00}. I was not contacted to submit evidence or documentation to support my case, nor was I provided with any instructions to do so. I was informed that the dispute would be resolved by XX/XX/year>. 
Weekly Calls for Updates : I made weekly calls to request updates on my case, only to receive generic responses with no concrete information on the progress or results of the investigation. 
Merchant Agreement to Refund : Prior to initiating the dispute, the merchant had agreed to issue a full refund. However, because the dispute process had been started, the merchant stated he would refund the amount through that channel. I had substantial evidence, including screenshots of communications where the merchant confirmed he would issue a refund. 
XX/XX/year> : I was informed that my dispute was denied without any clear explanation or reasoning behind the decision. I later discovered that the merchants business had permanently closed, making it impossible to reach him or pursue further resolution directly. 

Concerns Regarding Goldman Sachs Handling of the Dispute : I feel that my case was not managed properly by Goldman Sachs, as I was neither represented effectively nor given the chance to present substantial evidence against the merchant. I believe due diligence was not exercised, as there was no indication of outreach to the merchant, nor was an investigation conducted to verify my claims.
Product: Bank account or service

On Monday XX/XX/XXXX my wife tried to use her debit card to make a purchase and it was declined, she checked her account to find out why the transaction was declined and found out that her account was overdrawn. She called the XXXX on the back of her card and was told there was a fraud hold on her account and was transferred to the fraud department, after holding for over 2 hours she was told the fraud department was closed and to call back the next day. On Tuesday, she called back and the fraud department said they were NOT the ones who put the hold on her account. She went into a bank branch on Tuesday and she was told her account was frozen so as to carry out an investigation on suspicious activity. The bank was unable to give her specifics. The bank branch called the department who placed the hold on her behalf to find out what was going on and the person the bank agent spoke to was sent an email to give her and the department refused to speak with her after she asked to speak with them. 
With what she was going through, I decided to check my own account and found out that both my accounts also had the same hold as her account. Both of us have been calling the bank to at least release some of our funds so we can both carry on with our lives while they investigate but they are not doing that or giving us a time frame as to when the investigation will be over.
Product: Vehicle loan or lease

I contacted bridgecrest XX/XX/XXXX to ask for a defreement as my wife was having XXXX i was told to call back on friday which i did i was told they were not doing that at this time. On XX/XX/XXXX my wife had to go back in for emergency XXXX. I contacted them agsin askung for help again was denied. Then the phone calls started 20 times in a 10 minute period. I keep in contact with them begging for help and denied denied denied. They keep saying ee dont have to help you just pay more i had to pay to save my wifes life i only make so much money. Im a good customer.
Product: Mortgage

Mr Cooper Mortgage Company reported us to the credit bureau as being late on two mortgage payments. We have never been late on a payment. I have made multiple phone calls to them. Every time I speak to someone they tell me they will have their research department fix the error. They never dispute what I am saying, rather, they say it is a glitch in their system. Meanwhile, our credit is impacted greatly as they show us to be in " 60-90 '' days not once but twice.