23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This is the second complaint I am filing against Mohela. The first complaint was filed on XX/XX/XXXX regarding incorrect information about a refund owed to me, and Mohela 's insufficient customer service in resolving this issue. I was owed a XXXX refund, and Mohela kept XXXX that I was owed only 4 % of this XXXX amount. This issue has not yet been resolved despite approximately a dozen phone calls to Mohela. 

I received a letter from Mohela dated XX/XX/XXXX that I would receive a XXXX refund within XXXX days of this date. It is now past 90 days and I have received no refund. I spoke with a customer service representative, whose name was XXXX, on XX/XX/XXXX. This phone call lasted over XXXX hour, with an overwhelming amount of time on hold. Additionally, XXXX, exhibited rude behavior, poor communication, and lazy listening. A customer should not have to calm an agitated representative. With that, XXXX was unable to resolve the issue of me never receiving a XXXX refund despite having a letter from Mohela. 

I was transferred to leave a message with supervisor who would supposedly call back at the end of the next business day. I expect no such phone call. As noted in my previous complaint, numerous phone calls have been disconnected with Mohela. Despite asking if they can call back, no representative from Mohela ever returned a disconnected call. 

I am aware that Mohela has over XXXX complaints filed against it, an impending lawsuit, and has had {$7.00} XXXX withheld for mismanaging loan repayments. I fully understand these sanctions.
Product: Debt collection

I bought tires using flexshopper, I had a house fire XX/XX/XXXX and have been having to live in a hotel waiting on home repairs. I told flexshopper that with the added cost of living in a hotel i could not keep up my payments but when i got back in my house and back on my feet i would get the payments back on track. They told me they would repo my tires and report negatively to all three credit agency 's. They call 5 to 6 times a day, every day. For example XX/XX/XXXX they called at XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. J have asked them to stop and i would contact them when i could start paying again. They call so much I have XXXX XXXX every time my phone rings.
Product: Credit reporting or other personal consumer reports

I have contacted them several times, and they informed me that they are unable to address the issue at XXXX and XXXX XXXX. They suggested initiating a dispute with the credit reporting agency and advised me to file a complaint. I Never authorized my credit to be pulled at none of these locations. Please investigate these entities.
Product: Checking or savings account

I had a checking and savings account totaling more than XXXX. They opened another account under My name XXXX XXXX. Without my consent and then couple months later closed it for no reason. For fraudulent charges. That were mot my charges. Discrimination against me because XXXX XXXX XXXX XXXX XXXX
Product: Credit card

as of XX/XX/2023 I had a balance of XXXX on my Home Depot credit Card. they offer promotional balances at not interest for up to six month on purchases over XXXX. A representative advised me back them to pay a total of XXXX in order to avoid interest charges which I did. as a courtesy she waived 1 month worth of interest and said as long I paid the XXXX I wouldn't be charge. once payment was done XXXX XXXX systematically applied the payment as a credit for the upcoming charges that were supposed to expired staring XXXX on and not for the recurring charges. as a result I'm paying interest on the balance as if I never made the payment. they conveniently take the payments for upcoming promo that's going to expire in the future even-thought I was told otherwise and it should be all notate it. Im disputing the amount of {$710.00} dollars worth of interest for recurring charges that I already paid
Product: Credit card or prepaid card

After exposing my case extensively to the BOFA about the fraudulent charges made to my credit card more than two years ago in XXXX, after answering the results of its first investigation refuting all its arguments with proofs and having sent by US post service and Through the CFPB all the attachments and enough information so that they could verify my arguments, they call me from the bank on XX/XX/XXXX of this year to inform me that they were waiting for some information and that having it would give me an answer, seeing that the days and did not receive an answer call the bank and nobody was aware of the case, the fraud department reopens the case at my request but not as a follow-up to the case opened by CFPB. Within weeks the same letter arrives with the same response sent earlier as if they had never received any information from me. On XX/XX/2019, I received a letter to XXXX where the bank informed me that they need to talk with me about the case and that I have 5 days to respond or close it. This letter was sent on XX/XX/XXXX and arrives in XXXX on XX/XX/XXXX, two months later. I have called the bank and they have me walking through the collect department and after hearing the whole case they tell me that I should discuss it with the fraud department, they transfer me again with them and the call always arrives at the department of collect where it repeats the cycle and no one supports me with my problem or they say what information they need from me. It is as if they are protecting someone inside and do not want to do a serious investigation and give me the answer I deserve as a client. Definitely I will not pay for some charges that are not mine. The bank received payment to the fraudulent charges of someone who is not me by telephone for {$5200.00} and after almost two years they revert that payment and now they are trying to charge me. Sincerely the impression I have as a client is that the security of my information is very fragile in this bank or that someone is doing fraud from within and the fraud department does not want to see or accept it.
Product: Credit reporting or other personal consumer reports

This credit card is reporting inaccurately. 

XXXX says that the last payment was made on XX/XX/2023. I reported that this information is inaccurate and they verified it as accurate as of XX/XX/2023. 

XXXX reports date of last payment as XX/XX/2023, i reported that this information is inaccurate and they have validated it as accurate as of XX/XX/2023. 

Experian is reporting that {$0.00} was paid on XX/XX/2023 as of XX/XX/2023. 

Experian shows that the account was XXXX pays due in XXXX of 2023 but also shows a payment of {$220.00} on XXXX XXXX. 

XXXX shows a payment of {$220.00} being made on XX/XX/2023 and XXXX does not show a date for the month of XXXX. 

Even though there are numerous inaccuracies, all of the agencies have reproted this account being accurate when I contacted them regarding the discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : This vehicle was destroyed in a weather related accident on XX/XX/XXXX. 
I have spoken to XXXX XXXX XXXX XXXX numerous times that they continually report to the bureaus account is still be paid and in good standing. 
I have told XXXX and XXXX that I have not had vehicle since the date listed and they have since removed it. Equifax refuses and XXXX XXXX states that because I continually speak about it, that each interaction extends the trade that much longer. 
Further, Equifax is also stating that I have negative payments, yet I am paying as agreed with a XXXX balance. In XX/XX/XXXX, I received a letter clearly indicating my account was paid in full, yet they still report. My account was reported as inaccurate and would be corrected. My wife was a co-signer and all of her information has been purged, yet mine has not. 
Would like this removed once and for all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was reporting information to XXXX, XXXX and Transunion ; who were then reporting false and inaccurate information on my credit report. XXXX was reporting that I had a balance of over {$150000.00} for a used XXXX XXXXXXXX XXXX. I have already invested over {$15000.00} into the vehicle with a remaining balance of around {$11000.00} and them reporting that I owe over {$150000.00} has hurt my ability to get other credit lines because of the debt to income ratio. I have tried through the CFPB, also through calls to the company with no avail until last week when I filed a complaint with the attorney general, comptroller and left a review with the XXXX. Then when I called XXXX back and told them about my complaints I was forwarded to the correct department finally XXXX XXXX XXXX XXXX XXXX  who esculated my call and since then XXXX has corrected the information on my report. However, today I received a response through the CFPB from Transunion still stating that the infomation is verified through XXXX which is a lie. Misinformation is false or inaccurate informationgetting the facts wrong. Disinformation is false information which is deliberately intended to misleadintentionally misstating the facts. According to FCRA 1681n that is a willful violation on behalf of Transunion and I demand compensation. And if they have corrected the information and aren't publishing their fault on the CFPB by stating that they are sending a letter they are not being fair and are in violation of 16 CFR 433.2 and they are committing language fraud violating 17 CFR 424. I've attached my credit reports from all 3 credit bereaus proving the reporting of wrong information.
Product: Credit reporting or other personal consumer reports

I am contacting you because I have found some information that is inaccurate on my credit report. 
The date you have this item reported as a charge-off doesn't match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 
The items in question are : the balance being reproduced as Incorrect in payment history After doing so please provide me with an updated credit report reflecting the changes. 

XXXX XXXXXXXX XXXX
Product: Checking or savings account

I am ready to file a complaint against Navy Federal Credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when he transactions was authorized. I was charge fees due to lagged postings of charges and credits. This issue aligns with the recent CFPD findings against navy federal similar practices where transactions settle with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX at XXXX I deposited XXXX $ worth of bitcoin witch was {$180.00} at the time I sold it to the USD wallet, At XXXX $ ( witch was fine ) on XXXX/XXXX/XXXX XXXX XXXX I tried to add my bank and when I was answering the security questions it said it was wrong when they were not, I have added my bank before and It worked fine. So then I tried to add my routing number witch then did not work witch was the correct routing number.So at that point I couldent use the money to by bitcoin then sell it to my XXXX then transfer to my bank. I contacted them multiple different times different times the first time they gave me the same answer over and over again I could never get A strait answer and they took my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts with Navy Federal CU and had a couple late payments reporting for them because my wife had XXXX XXXX XXXX when she was XXXX XXXX XXXX ... I disputed the late payments and now they just changed them and ADDED a new 60 day late on all my accounts when in fact I was not late! How can they just add NEW late payments now. How can the credit bureaus even allow the response to show valid and now have new late payments reporting? 
This is a clear violation of the FCRA
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX  on multiple occasions via phone throughout XXXX and XXXX of XXXX. I was instructed to email my dispute complaint to them on XX/XX/XXXX. I did so on XX/XX/XXXX and never received a response. 


-Periodic Statement Requirement In accordance with XXXX the creditor was required to send me periodic billing statements at for each billing cycle. The lender failed to do so as I never properly received account statements. Upon checking the statement history it has been confirmed that despite providing the company with my correct address they failed to include XXXX XXXX within the address line and as a result the mailed statements from XXXX XXXX XX/XX/XXXX to the incorrect/incomplete address as my unit number XXXX wasnt included in the mailing address ( see attached documents ). 

-Missing Payment History The account was charged off in XX/XX/XXXX. The Payment history status for XXXX does not accurately report this charge off status for the month of XX/XX/XXXX. 

-Inaccurate Foreclosure History On XX/XX/XXXX the companys representative XXXX XXXX that the account was successfully foreclosed as of XX/XX/XXXX, my credit history also reflects this FS status for XX/XX/XXXX. This is inaccurate as the companys attorney requested the claim be dismissed on XX/XX/XXXX ( see attachment ). 

-Inaccurate Current Balance I have been told the {$440.00} balance reflecting on credit reporting is foreclosure fees. However, the foreclosure proceedings were dismissed without prejudice due to the balance already being charged off. These {$440.00} of foreclosure charges also arent viable as I never received periodic statements properly to warrant any late payment. The charge off amount provided by the company was also to include all and any outstanding charges and fees.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account Number : XXXX XXXX / XXXX XXXX Equifax XXXX Account XXXX : XXXX XXXX / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX, Experian and XXXX  a number of times since XXXX to remove fraudulent information from my credit report. They continue to stonewall me. I recently got a Fraud Affidavit notarized and they still refuse to reinvestigate, block and remove the items.
Product: Debt collection

EOS is suggesting I owe student debt. The debt is from a private loan from XXXX XXXX. This loan dates back to XXXX. I have not been a student in college since XXXX. When I attended college, it was a XXXX XXXX and I paid out of pocket. I explained to the customer service representative that these XXXX accounts are fraud and I was a victim of identity theft as early as XXXX. Under the FCRA & Statute of Limitations, these fraudulent accounts should have been removed from record years ago. Instead, EOS bought the fraudulent accounts and are harassing me in an effort to collect on bogus accounts. In explaining the situation to the customer service representative, I was clear that my police reports and FTC reports would be strong enough to show how my ID was stolen and personal information compromised. EOS is wrong on so many levels with this matter. I will be speaking to a lawyer to have them outline my rights and recourse.
Product: Mortgage

On my initial call to the mortgage company to find out how and why in the world they were trying to charge me over XXXX in preservation fees the guy I was speaking with was saying that these charges dated back to XXXX, anytime I was late on a mortgage payment a late fee is included in that then back tracked and said if I was 30 days past due. He also said that I filed a partial claim which was included. That is a completely separate loan with HUD so there should not be any costs from my mortgage. I have a payoff statement from XX/XX/XXXX with no preservation fees. But they are trying to claim from mid XXXX to beginning of XXXX of XXXX they did over XXXX in maintenance and repairs but still have not provided me with a shred of proof. They claim they have entered my house but its on a key code. Every time I ask for the work orders they tell me they will have to get with the vendor to get them. Well how can you even bill me if you have not received work orders from your vendor. Ive ask for photo proof and they say they dont have that but claim the work was done. Ive had my buyer, contractors, inspectors in the house the entire month of XXXX and no one has been there nor done any repairs. The mortgage company has also without my consent pulled another payoff after the one that was pulled and valid thru the end of XXXX for my buyer. All of this has delayed the selling of the home and paying off the loan and mortgage flat out said to me that they will not negotiate on these fees however once I payoff the loan and they determine funds should be refunded they will do that. This is NOT right and the mortgage company PennyMac needs to be held accountable for their shady actions. You would think that they would want to resolve this issue so they could get paid off but I dont feel that way. To me it seems like they want my house back.
Product: Mortgage

Wells Fargo Loan # XXXX I was qualified for a XXXX  XXXX but Wells Fargo refused to work with me, ' Wells Fargo refused to give me a loan modification then refused to let me short sale the house then refused to let me turn in keys in deed of liue. Kept the house in my name and continue to charge me fees, insurance, mortgage payments even though I no longer had access to the house. Then about a year later Wells Fargo sold the house in an auction and did not give me any of the profits. In fact they on purpose delayed the process out so that they could use all profits for them selves. 
I suffered credit damange and was not allowed a way out even thought I had no access to the house. I was locked out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was getting ready to inquire on purchasing a new home and of course I had to check my credit. Upon doing so, I have found several fraudulent accounts and addresses that don't and never have belonged to me. These accounts date back years and are spread out through various account types. I am disputing these fraudulent accounts with the three credit bureaus as of today, XX/XX/2020.
Product: Debt collection

A dispute was sent to portfolio recovery associates llc The correct information was not provided in the letter sent back to me Portfolio recovery associates llc failed to request arbitration as stated they should in original contract Portfolio recovery took me to court before providing documents requested, wasted my time and was late to mediation Portfolio recovery continues to harass and take advantage of my time with endless calls to my telephone even as we are in court settling disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in the attached request to XXXX to get a copy of my CLUE and CLEAR report and they responded back saying I did not submit enough information and their reply they ask for exactly what I already sent to them. I want the semantics to stop and to get a copy of my Lexis CLUE and CLEAR report as mandated by the FCRA as I am entitled to 1 free copy per year by law.
Product: Credit card

Online payments to Citi Bank/AT & T Credit Cards were recently changed. Payments now must go through an in between company named XXXX XXXX XXXX Clients should have been and were not notified of this change. 

My bank, ( XXXX XXXX XXXX XXXX ) through which Ive made payments to my AT & T/Citi account for years, does not accept XXXX  so payments to my AT & T credit card account did not go through. Puzzled, I attempted several times to pay and had online conversations with AT & T/Citi representatives XXXX No one knew why my payments were returned. Finally speaking to my bank I was informed of the reason my payments to Citi/AT & T were not accepted and were returned. 

Any late payment was due to Citi Bank switching to XXXX  and not informing credit card customers. I had to mail them a check! Funds were available. 

For instance, my bank recorded an online payment on XX/XX/2024 for {$4000.00} that was twice refused by Citi Bank. This was due to newly established XXXX  software. 

My credit score has been affected and they canceled my credit card.
Product: Credit reporting or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following items : 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 Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXXXXXX XXXX  # XXXXXXXX XXXX XXXXacct # XXXX XXXX XXXX-acct # XXXX XXXX XXXX XXXX XXXXacct # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX-acct # XXXX XXXX XXXX-acct # XXXXXXXX XXXX XXXXacct # 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 a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX Loan opened at XXXX XXXX financial loan # XXXX This account has resulted in several fraudulent derogatory marks appearing on my consumer FICO credit report. I do not recognize this account appearing on my consumer credit report maintained by you. It was not opened, made, or initiated by me and is the result of identity theft and fraud following my leaked confidential information during the XXXX data breach. I have attached my proof of address, social security card, screenshot showing my information was affected, and a copy of my filed FTC report as proof from the US Federal Trade Commission that all of these consumer credit accounts are the result of identity theft and fraud. 
This XXXX Loan opened by another individual by the name of XXXX XXXX added my name to the loan # XXXX on XXXX XXXX student loan who did so without my knowledge or my permission/ authorization unlawfully. In this matter I ask that my name be detached from this loan and it be removed immediately from my credit report under false statements and inaccurate information that was applied to my credit report without my knowledge, consent. Please remove loan according to the law of unlawful conduct.
Product: Credit reporting or other personal consumer reports

I identified information on my credit report that is a result of identity theft and not transactions completed by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recov assoc capital XXXX bank XXXX XXXX, southern newhampsire XXXX XX/XX/year> credit XXXX bank XXXX XXXX debt of education/neln XXXX XXXX us bank consolidated XXXX XXXX XXXX lutherford XXXX credit XXXX bank XXXX XXXX