23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, I have tried to reach MOHELA through Customer Service but this issue was not resolved because 1 ) I was hung up and 2 ) they put me through to a Supervisor and waited on hold but they had actually already closed. When you try to find an Ombudsman on MOHELA 's website there is no way to reach anyone. They used to have an Ombudsman link on their website but it has been removed. Below is an email that I tried to send but can not because they don't actually even have an Ombudsman. This email describes the horrible customer service and lack of competent employees they have answering the phones. 

This was the email I tried to send them : My name is XXXX XXXX and I have student loans through MOHELA and would like to submit a formal complaint. I recently was switched to MOHELA and tonight I called at XXXX XXXX from my cell phone ( XXXX ) and spoke briefly with XXXX. I asked a question about why MOHELA sent me a form that says I have never paid any money toward my student loans. I had requested this a month ago due to being a member of a lawsuit called Sweet vs. Cardona. As a member of this lawsuit that was WON, I am entitled to reimbursement of payments made over the years. I requested MOHELA to send me a list of these payments several times and what I received in the mail was a document that did not make sense to me and said I paid XXXX dollars toward my loans over 20 plus years which is not accurate. This evening I called to get this figured out and XXXX provided an explanation that did not make sense to me and instead of actually addressing the issue she switched the topic of conversation to telling me that I needed to switch to a different repayment plan. I am currently in forbearance due to being a member of this lawsuit which I tried to explain to her, HOWEVER instead of listening to me XXXX hung up on me and the call sent me to a survey ( 1-5 rating ) which I filled out and left a message. THIS BEHAVIOR WAS SO INAPPROPRIATE AND INACCEPTABLE. I never raised my voice or was mad at her, I simply wanted her to actually try and answer my question. It is clear that XXXX not only lacks customer service skills but is completely incompetent at her job. I am going to continue filing complaints everywhere I can find Dept of Education and other Ombudsman offices until this issue is resolved. Please advise what my next steps are. 

Again the call with XXXX occurred at XXXX XXXX ET and she hung up on me at exactly XXXX XXXX ET. I can not believe how absolutely inappropriate this kind of behavior is and that MOHELA employs people like this. Its awful and should be rectified immediately. 

Thank you. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX
Product: Debt collection

In a summary, an Amazon account was opened in my name in late XXXX and I disputed it. In XX/XX/XXXX all of my accounts ( Belk, Lowe 's, XXXX XXXX, Ashley furniture ) with synchrony bank that were all in great standing were all closed without explanation. After pulling my credit report I discovered Amazon was on my credit as delinquent and contacted them in which a representative stated the account was delinquent and that was the reason for my other accounts being closed. I had to open another fraud case with synchrony and XXXX. The account was deemed fraudulent and dismissed around XX/XX/XXXX, but for the last 2 months I have been receiving bills from synchrony. I contacted XXXX  and they stated the account was deleted and recommend filing a complaint.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint against XXXX, XXXX, and TransUnion for not properly investigating. 

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

To whom it may concern I have contacted TransUnion on multiple event today to get a copy of my report to file a dispute that was shown to me through my Experian application there are numerous of inaccuracies and incomplete transactions on my report including names address and account this affects my rights as a consumer not be able to have a accurate and complete credit report please have some one contact me as as possible to complete the disputes thats are affect my FCRA RIGHTS AND LAWS
Product: Credit reporting or other personal consumer reports

XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. XXXX actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

This account is old and has been on my credit report since 2010. 
Please delete account # XXXX
Product: Student loan

I have tried several times to consolidate and lower monthly payments. I have various interest rates as high as 13 %. They are unwilling to discuss and say they have nothing available. When I was unemployed they did not offer any relief and continue to offer no assistance or forbearance. They also where assertive in borrowing me funds while I had already borrowed {$65000.00} for my degrees already. After reviewing my credit I expect to be denied.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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

My credit monitoring account showed a debt collection from TRANSWORLD SYSTEMS INC at {$160.00}. Not once has a company given me a written notice or a bill of such telling me anything had to be paid. They have no proof of any notice because none was sent to me. This needs to be fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax and they replied this morning to say that their report is correct. It isnt!! They are showing a balance of over {$25000.00} on a XXXX XXXX loan that I paid off over a month ago and is now a XXXX balance. This is affecting my credit report and credit worthiness! 

I have also tried for several years without success to have 2 address locations removed from my report and they have not done that either! I have never lived at these addresses. Why is this company allowed to report when the information they have is inaccurate and they dont seem to give a XXXX. They cost people so much money by not having accurate information.
Product: Checking or savings account

Greetings, I withdrew money from a street ATM in XXXX and only agreed to XXXX fee, however, they charged me another hefty hidden fee which I never agreed to and was never displayed to me. When I reported this to Chase, they said they can not do anything about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting act 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 That year of XXXX my credit score was under 580 unavailable to get approve credit card that time also my was wrong on my reports my name XXXX XXXX not XXXX XXXX XXXX Still my credit score is XXXX Can not approve any credit., 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 a account without my written instructions
Product: Credit card

I received an email from my bank ( Wells Fargo ) telling me that I would be receiving a new credit card because my card " may be at risk for unauthorized transactions. '' I called to ask what caused the bank to take this action. Someone at the Wells Fargo Fraud Department told me that there had been a financial data breach at one of the merchants I had done business with. I asked for the name of the business, but was told that " XXXX does n't supply that information to us. '' He said that after the whole XXXX episode they do not disclose company names. How is this legal? Do n't I have a right to know who made my financial information vulnerable? 
Now I have to contact all the companies where I have automatic deductions to update my financial information. It would seem that XXXX, and possibly Wells Fargo, is n't interested in protecting consumers as much as it is in protecting the shoddy security of unnamed corporations.
Product: Credit card

I applied for a personal loan and was denied because of excess inquiries on my report. When I read my report, I found several hard inquiries with companies that I did not authorize to run my credit I would like to have them removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts presented, have 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. 


XXXX XXXX XXXX Account # XXXX .... 
XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX, XXXX Account XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX, SC Account # XXXX .... 
XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  Account # XXXX .... 
Account # XXXX .... 
XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX Account # XXXX .... 
XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX Account # XXXX .... 
XXXX XXXX XXXXXXXX XXXX, SC XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX - My XXXX XXXX XXXX that was financed by Santander Consumer was repossessed by XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX - I contacted Santander and located XXXX XXXX XXXX XXXX who I paid {$65.00} to receive my belongings from the vehicle and turned in the third row seat for the XXXX that was located in my garage with the key. ( Encl 5 ) I received a notice from Santander with Sent Via Certified Mail located typed on the document dated XX/XX/XXXX of the intent to Sell Property ( Encl 4 ) I received an Explanatio of Calculation of Surplus or Deficiency dated XX/XX/XXXX from Santander Consumer ( Encl 7 ) On XX/XX/XXXX, I sent via Certified Mail # XXXX, a letter to Santander Consumer, that was received on XX/XX/XXXX ( Encl 1 ). A letter was also sent to XXXX XXXX XXXX via certified mail on XX/XX/XXXX, that was received on XX/XX/XXXX, ( Encl 2 ) requesting that they provide to me a copy of the Certified receipt for the " Right to Recover '' that was sent to me. 

The response from Santander dated XX/XX/XXXX, was received, however, a copy of the certified receipt was not attached. They only provided copies of the documents aforementioned as Encls 4 and 7. ( Encl 3 ) The responses received from XXXX XXXX XXXX are dated XX/XX/XXXX, which states that they were unable to substantiate the allegations in my dispute and if I had additional information or documentation please mail to them. ( Encl 6 ) An additional letter dated XX/XX/XXXX with 81 sheets of paper attached which includes all of the documents from the processing of the loan for the XXXX XXXX. The only pertinent documents in the paperwork are the aforementioned Encls 4 and 7. ( Encl 8 ) Santander Consumer failed to send me a certified copy or statutory overnight delivery per Georgia Code Title 10, Chapter 1, Article 2, XXXX Disposition of motor vehicle repossessed after default ; right to recover deficiency. I send a letter to Santander and the Collection Agency XXXX XXXX XXXX requesting this documentation, but neither were able to provide proper documents. Santander Consumer did create a letter with 'SENT VIA CERTIFIED MAIL '' in bold letters under the inside address, but this does not rise to level of documentation required by the Georgia Code mentioned above. The requirement is clearly set forth that the lender must send a certified " Right to Recover '' notice within 10 days of repossession. I asked for a copy of the signed and dated Notice of Assignment from Santander Consumer which they not their agent was able to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

i do not know how this individual obtained my personal information
Accounts:
XXXX XXXX XXXX
Account number XXXX

XXXX XXXX XXXX 
Account number XXXX

XXXX XXXX XXXX 
Account number XXXX

AFNI Inc
Account number XXXX

XXXX XXXX 
Account number XXXX

XXXX XXXX XXXX XXXX 
Account number XXXX

XXXX XXXX XXXX
ACCOUNT NUMBER XXXX

XXXX XXXX
Account number XXXX


Inquiries:

XXXX XXXX/XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX

XXXX/XXXX XXXX XXXX
XX/XX/XXXXXXXX XXXX
XX/XX/XXXX


XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXXXX/XX/XXXX

XXXX XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXXXX/XX/XXXX

XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX
Product: Checking or savings account

On XXXX I had received an email from Regions that my account had been accessed from another device. I called XXXX the next day and was told I would need to go to a branch with my identification ( I waited on hold for one hour and 20 minutes ). The next day, Tuesday XX/XX/XXXX I went to the XXXX branch and asked for help by the branch manager. She said she was expecting someone and to have a seat and XXXX XXXX would help me shortly. After XXXX got off the phone I asked her if she could help me, she said sit down, I told her I would rather stand due to back problems. She then said very loudly, well if you want the whole branch to hear your information then go ahead. I walked out at that point. I tried calling the branch back and she answered and said if you are waiting on an apology thats not going to happen. I tried talking but she kept yelling. I hung up. Three days later I received a letter from that branch that they were closing my account in 2 weeks! I called and left messages but nothing! Something needs to be done about the rude employee at Regions Bank on XXXX XXXX in XXXX XXXX, AR.
Product: Credit reporting or other personal consumer reports

Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX )
Product: Credit card or prepaid card

I have a Citi credit card which has been open for several years without any issues. In XX/XX/2022, I took out what they call a Flex Loan of {$5000.00} on the card. It has a set interest rate of 7.99 % and a term of 60 months. There is a minimum monthly payment of {$100.00} required on top of any monthly payment required for regular purchases on the card. 
The information the company shares on their app, website, and monthly statements says that any payment made above the minimum monthly payments will be applied to the higher interest rate first. Regular purchases on the card currently have a rate of 27.49 %. 
I usually pay off my credit card balances around every two weeks when I receive my paycheck. I never carry a balance month to month. I've been doing this the past few months as usual, but on XXXX XXXX, I was charged {$4.00} as interest for standard purchases. I assumed I had made a mistake and not paid everything off like I normally do. So I paid extra that month to make sure I would only be charged interest on the Flex Loan moving forward. However, on XXXX XXXX, I was charged {$7.00} as interest on standard purchases. 
I then reviewed the last several monthly statements and found that there is now a balance of {$350.00} accruing interest on standard purchases. I also found that the balance on the Flex Loan is lower than it should be at this point of the loan term. 
I called Citi 's customer service line on XXXX XXXX and was informed that I should not attempt to pay off the balance on regular purchases. I was told that payments would always be applied to the Flex Loan instead, even if the purchases I was attempting to pay off were already posted to the account. The only way to pay off regular purchases is, when setting up an automatic payment, to select the option " Adjusted New Balance + Flex Plan Monthly Payment. '' I was told that the only way to resolve this situation is to now pay {$470.00} to pay off the regular purchases as well as the Flex Plan payment for XXXX. 
I'm unable to find anywhere on the company 's app, website, or monthly statements that informs their customers that making a payment on a credit card 's balance will not in fact pay off that balance if a Flex Loan has been extended to the account. Because of this, I now have a balance of almost {$500.00} accruing interest at 27.49 % while I made payments to a loan accruing interest at 7.99 % without my knowledge. The company has made no offer to remedy this situation.
Product: Debt collection

Gamache & Myers P.C. out of XXXX XXXX, Missouri is harassing me for a debt that is not held with them, and they are not reported as a debtor on my credit report. They have served me at my home on XX/XX/XXXX. They have filed a judgment against me in XXXX XXXX, and then on XX/XX/XXXX, they served my former employer with a garnishment of wages and direction to serve person in charge displaying all of my important information such as the last four of my social security number. I feel that my rights have been violated because I do not know who might have received my paperwork. This law firm needs to be investigated for how they conduct business. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of XXXX XXXX. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I began receiving debt collection calls from XXXX-XXXX-XXXX, NCC Business Services. The first call that I can remember was Friday, XX/XX/2018. 

The debt is regarding a past due rent at an apartment complex, however I have never received any documentation from the collection agency. The amount is approximately {$1000.00}. 

The representative on the phone tells me how much I owe, but has not provided by mail any sort of documentation. I have told the representative that the address on file is not correct, but no attempt to fix has been made. 

I am willing to pay the portion of the debt I am responsible for, but not without written promise that it will not be reported to credit bureaus. The collections agency refuses. Im obviously not willing to pay without this written promise, as well as not being able to see the documentation. 


To this date, I have no received any documentation from collection agency regarding the amount or that I have right to dispute. I have not lived in former apartment complex for over a year.
Product: Checking or savings account

Received a check as payment for work the check was written on a us bank check i remotely deposited check the back accepted and cashed check putting the entire check funds into my checking account approximately XXXX days later they said check was no good and now want there money back. First problem is they never said that the check is no good, or that the bank wants the money back. the bank freezes all of my accounts XXXX checking and XXXX savings account. this happened on XXXX XXXX I found out on XXXX XXXX when i went to get some money out of my account. since that time until today they still have all of my funds frozen they wont give me information and in the meanwhile i can not pay my bills destroying my perfect payments and credit. i owe more then ever due to all the late fees due to us bank freezing accounts I have had no money for over a month and still no answers. i am falling so far behind in bills i will never recover can supply credit card statements with late charges i feel the bank should reimburse my for all late fees plus costs i earned that money and i feel they have stolen it without cause. I am stressed and scared what i am going to do i do not have money to even eat. please help me the check was for XXXX in XXXX of my accounts i have over XXXX and in the others maybe close to XXXX more then enough to cover the check the first said was good then changed their minds i would like my remaining money to pay my bills and live not having to borrow money going further into debt. 

i call the bank everyday and everyday i get the run a round lies and a lot of disrespect and smart remarks this complaint is against USBank
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account in full on XX/XX/XXXX and it was closed out. My due date for the payment was XX/XX/XXXX. Also, my payment was not late in XX/XX/XXXX. I paid my account off prior to the due date of the XXXX of XXXX. 

Therefore my payment was not late in XX/XX/XXXX or XX/XX/XXXX and my credit file should not reflect such.