23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing to file a formal complaint against the XXXX Higher Education Loan Authority ( Mohela ) regarding their refusal to disclose how my student loan payments are being calculated when they significantly exceed the estimated payments provided in my XXXX XXXX ( XXXX ) application. This discrepancy has caused undue financial hardship and confusion. 

I entered into an XXXX XXXX ( XXXX ) plan for my federal student loans to make my loan payments more affordable based on my income and family size. As part of the XXXX application process, I provided accurate information about my income, family size, and financial circumstances. The XXXX estimator provided by the U.S. Department of Education calculated an estimated monthly payment amount based on the information I provided, and I accepted this estimate as my expected monthly payment. 

The issue I am currently facing is that Mohela, the loan servicer responsible for managing my federal student loans, has m higher monthly payments than what was estimated in my XXXX application. This unexpected financial burden has created substantial financial hardship for me and my family, making it increasingly difficult to make ends meet. 

When I contacted Mohela on XX/XX/2023 to inquire about the calculation of my monthly payments and the discrepancies between the estimated and actual amounts, I was met with resistance and a refusal to provide a clear explanation. Despite attempts to obtain transparent and detailed information about how my payments are being calculated, Mohela has not provided any satisfactory responses. This lack of transparency has left me in the dark about the basis for my loan payments, making it impossible for me to effectively manage my finances and plan for the future. 

I believe that Mohela 's refusal to disclose the methodology behind my payment calculations is a violation of my rights as a borrower and may be in violation of federal regulations governing student loans and loan servicing.
Product: Credit card or prepaid card

I was sent communication from Discover that I had a past due balance, with no communication regarding a penalty of closing my account if I did not pay the past due balance. On XX/XX/2021 I paid the account balance of {$7000.00} in full. On XX/XX/2021 my account was closed. 

The Discover representative that I spoke with today, XX/XX/2021, didn't know why my account had been closed either. The only note on my credit report is that the account was closed by the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.XXXX  XXXX {$10000.00} XXXX XXXX   XXXX {$18000.00} XXXX  XXXX {$25000.00} XXXX  XXXX {$380.00} XXXX  XXXX {$270.00} XXXX XXXX {$1800.00} XXXX XXXX
Product: Credit card or prepaid card

The Office of the XXXX XXXX XXXX XXXX XXXX. XXXX XXXX http : //www.belvoir.army.mil/osja/ ) referred me to your office for help regarding the following situation. 

Capital one is manually charging my credit card account for products I do not have, and services I did not receive. The merchant XXXX XXXX has their products, and did not provide any services. 

So far the bank have manually charged the credit card account {$2300.00}. The dates of the manually transactions are XXXX XXXX, XXXX XXXX, and XXXX XXXX. Every time I called the bank for the past weeks regarding these transactions, I was placed on hold and was transferred between the fraud and disputes departments for almost an hour with no one able to help. Every time each department gave me the following information. 

The dispute department said that the manual charges dont make sense and there are no notes or reasons on the account regarding these charges. But there is nothing they can do at this time so I need to talk to the fraud department. Consequently, they transferred me to the fraud department. 

Then the fraud department told me that they dont understand what is going on with the account and that they dont see any reasons for the manually charges. But, the only person that can help me is not available they will have that person call me soon. 

Every time it is the same process and explanations. 

Last time I talked to a representative that identified himself as XXXX XXXX on XXXX XXXX, XXXX at the fraud department, he told me that the name of the representative that was manually charging my account was XXXX XXXX, and that he sent her an email to contact me regarding the manual transactions on the account. Unfortunately, it has been days and weeks and I have not received any correspondences or phone call from Capital One about those charges. 

As an XXXX XXXX XXXX of the XXXX XXXX XXXXy, I work hard every day proudly serving my country. Sometimes I dont see my kids for days. I do not have money to give out for free, and I do not have the time or resources to resolve this issue on my own. 

So please help me. 

Thank you so much for your help, your expertise, and understanding in helping me to get my hard-earned money back. 

Thanks and Regards.
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed {$3000.00} in XX/XX/year>, with a monthly payment of {$170.00}. I have consistently made my payments on time, totaling {$1700.00} so far. However, my current balance is still {$2400.00}. This company was recommended by a law firm, so I did not anticipate dealing with a predatory lending institution. I would like to know my interest rate and why my payments do not seem to be properly applied to my account.
Product: Debt collection

XX/XX/2022 I monitored my credit and see a derogatory collection account appear from nowhere... 

XXXX account listed as Ability Recovery Services Llc .... 
XX/XX/2022, I called XXXX XXXX XXXX and they stated that this debt was purchased from XXXX XXXX XXXX ( who originally purchased from XXXX XXXX XXXX ) I have never had an account with XXXX XXXX as you can plainly see on my credit history.
Product: Credit reporting or other personal consumer reports

I hope you're well. Accounts below are the subject of this letter. This is on my credit report and affects me greatly. Identity theft compromised my identification, thus these accounts appear on my credit record.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block, inc. ) Do to inadequate customer service and unfair practices, which violate the customer? Service and unfair. Practice which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their disput resolution process was unfair and deceptive as they do not comply with error resolution requirements under the electronic transfer Act ( EFTA ) and regulation E. These actions as caused significant inconvenience in financial loss and i seek appropriate redress for these violations $ XXXX
Product: Debt collection

Constantly calls. Calling 1 or 2 times per day. I've asked several times to contact me via postal mail and to stop calling me on my phone. Just got a call at XXXX this morning. They need to stop calling me. The company is called portfolio recovery.
Product: Credit reporting or other personal consumer reports

Ive contacted Experian multiple times to remove an address not associated with me. XXXX XXXX XXXX XXXX XXXX XXXX is the address to be removed. I havent given any creditor to add or share any personal information on my credit report! If anyone has a permissible purpose following US 15 C1681 please share immediately!
Product: Vehicle loan or lease

I am a XXXX XXXX Military member with a Home of Record of Louisiana which is a my state of residence. I provide my orders and XXXX XXXXr Data Summary showing this information. Toyota seems to not know about the Louisiana provision of the SCRA so they are denying my benefits.
Product: Mortgage

I purchased home and was being financed by Flagstar bank Michigan based loan services which had history of mortgage and loan modification violations since XX/XX/2018 up to present. soon after I purchased the home the second borrower has lost job and we have to apply for loan modification. The bank received loan documents and promised to give us help based on our income. after review of the loan Flagstar bank denied our modification. The primary reason for assistance is loss of income and they refused to help us in the 1st loan modification request. we did not give up however, struggled to pay monthly payment of {$2300.00} until the month of XX/XX/2018. during our missed payment Flagstar loan officer called us to help us and directed us to reapply and submit loan application along with required documents again. we did. they deny again saying that loan is not matured to one year and again send us letter to reapply when the home is 12 month. we again agreed with the bank and applied for the third time. They denied again. During our default we also found that Flagstar bank added {$1300.00} to our loan balance which we never aware of at all for the last six months and raised the payment to {$2400.00} which we realized that a violation of mortgage rule and make it difficult for us and trying to foreclose the home on us. loan modification is aimed to help active home owners who can not able to make payment due circumstances such as job loss like we had. Flagstar however depicted us for several months by offering false hope, harassing us to apply for assistance and intentionally drags us to foreclosures.

They failed to help us and threatening us to foreclose the home with out offering us options to solve the defaults with payment arrangement, forbreances, or loan modification. secondly they added up money we have not know the reason and made us vulnerable for foreclosure.

I am writing to your office to investigate their violation specially violation of Dodd- frank wall street reform which is regulated by your office which is empowered by federal government. I also inform your that Flagstar bank does not made a fair decision and their judgment is unlawful, not substantial, not transparent, and doesn't not constitute federal mortgage rule and regulation practices. I declare this as act of discrimination and will continue to bring them to justice. Justice will prevail.

Thank you so much.
Product: Debt collection

XX/XX/2019 American Finance submitted wage garnishment to XXXX XXXX ( new employer ) and are continuously still seeking payment even though i am under chapter XXXX bankruptcy. 

Case # : XXXX
Product: Debt collection

Contacted me and family members who were not included on any debt, no debtor given or nature of call, would not send physical mail to us.
Product: Mortgage

I Applied for a VA mortgage through XXXX Mortgage. A credit report was pulled on XXXX XXXX, again on XXXX XXXX and again later that month. I emailed and had a phone conversation with the person in charge of my file and told him to not run my credit report again- he told me by email he would not. However, it 's now XXXX and again my credit report was pulled without my prior knowledge. I fired off a email to him and his superiors and received a call that these reports should not have been pulled. I was told that 500.00 would be taken off my closing costs. I was also told that another report would have to be pulled prior to closing which is XXXX XXXX 2017- This is a VA loan and 5 credit runs in a 6 month build new home process is wrong and damages my credit. I was also emailed that these credit pulls hard not soft does not effect my score which is totally false. I am not satisfied with the explanation and told them that I plan to dispute with the FCRA.
Product: Student loan

My school have interfered with distribution of my credit balance from XXXX and XXXX and retaliated against me for demanding payout of my credit balance of MY LOAN Balance. 
XXXX ISSUES First, ( in XXXX ) they prevented me from putting back a class that was acidentally dropped, ( unformalized understanding of online portal and lack of safe guards to prevent or confirm drop class confirmation options ). 
Second ( in XXXX ), They enrolled me in a Spanish class that required student to pay for access to a special application from a external vender, knowing I told them I was homeless, unemployed, and walking to school for lack of money. 
Third, ( In XXXX ), XXXX debt of - {$1500.00}, for the accidentally Dropped class, when it states full refund due to class was dropped timely. Then when I disbuted thier claim of why I owed, they changed it to I owed it for purchases from the school store, which is false, due to them taking, or should have taken it out of my active loan. 

XXXX The school continued their retaliation in my new school year XXXX by placing me on academic probation for not failing classes ( XXXXXXXX XXXX class ), I could not access due to lack of funds and homelessness, so this means I must obtain passing grades in all my XXXX classes, but my test records clearly shows I lack knowlege of many subject areas and require tutoring. 
XXXX XXXX XXXX XXXX, I attended XXXX when I was much younger, so it's much harder for me then a younger student fresh out of high school, but yet they offer no senior tutoring programs. 

At present I am in a math class for XXXX semester, I currently am having problems understanding the work, I emailed my teacher for help, but her response was giving me until the XXXX of XXXX, but did not offer me any tutoring information or assistance, fully knowing I am on academic probation, this is because the retaillation continues. 
Now they will use the academic issue to hold up my credit balance distribution, again. 
I have found many other students who have received this same treatment from this school, the stealing of our money then using their unfair polices to remove the student or prevent payout of the students credit balance, but they always deduct the money we owe for their classes and school store credit purchases for books and computers, needed for classes. 
This is not what I borrowed money for. I paid for a quality education this school advertised, If a student states he needs help, true educational schools are suppose to tutor or provide help understanding material, not placed on academic probation and their account looted, and then procedurally removed from class and funding.
Product: Consumer Loan

I completed and returned the complaint form and they said they did n't receive it so I tried to call and could n't get a live administrator on the phone .My Name is XXXX XXXX and I can be reached at XXXX I would like to speak with someone about my participation complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that are not mine and i want them to be remove from my credit. 



XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft CAP ONE NA Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


XXXX 1. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

This company, is starting that a payment is owed that is not owed. The debt has been written off and I no longer owe a payment. The creditor did not send me a XXXX when they wrote off this debt, so that I could do the same. The balance is still reporting on my credit report as negative and that I owe this balance, even though they took a tax break! I am requesting a copy of my XXXX, that I didnt receive. This is making my credit report negative with inaccuracies. 

According to the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off, while still claiming I owe the debt.
Product: Debt collection

XXXX reported this account to the credit bureaus before ever mailing me anything in the mail. To be clear I have never heard of XXXX in my life until this company appeared on my credit files. I filed a CFPB complaint XXXX  did not validated this account. I did not receive any information in regards as to how to dispute this collection or what it is even about for that matter. I have never signed a contract with XXXX, Resurgent Capital Service, or XXXX. I am not aware of these companies, or this suppose collection account they have already placed onto my credit reports. I am a XXXX XXXX Veteran living on a fixed income, in the process of buying my first home. This is not helpful. At this time I am not being helped by XXXX to address this issue. 


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

I have been a Victim of ID Theft and multiple Inquiries are reporting on my XXXX  credit report from CitiCard, Exxon CitiCard, THD CBNA, and Best Buy CBNA. I have enclosed a letter with the dates of each occasion. I have contacted XXXX  explaining the situation and they have referred me to CitiCard to have the fraudulent inquiries removed. I contacted CBNA and they are not helping me to resolve this issue. The multiple fraudulent inquiries are hurting my credit score.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct name : XXXX XXXX XXXX XXXX. 
account number XXXX account type-XXXX Company addressXXXX XXXX XXXX XXXX XXXX XXXX, XXXX fl XXXX Phone XXXX XXXX Acct Name XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT TYPE : Collection acct # XXXX  Contact information : XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX  acct type : SECURED CARD address : XXXX XXXX XXXX XXXX XXXX ca XXXX phone number XXXX XXXX XXXX  XXXX XXXX Amount {$2000.00} XXXX XXXX XXXX XXXX date of inquiry XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX, va XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 Not authorized address:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15.U.S.C 1681 section 602 A States i have the right to privacy.

15 .U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts, I have been unable to resolve the issue of fraudulent credit inquiries appearing on my consumer credit report. These inquiries have absolutely no connection to me whatsoever, and I bear no responsibility for them. Their presence has caused me significant mental and financial distress. As a victim of identity theft, I may have no choice but to pursue legal action if this matter is not properly resolved. These inaccurate and fraudulent entries on my credit report have hindered my ability to purchase my dream home and provide for my family 's needs, substantially impacting my financial well-being. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), outlining this issue and seeking resolution.
Product: Mortgage

Huntington Bank has received payment in full for the Vessel loan in XX/XX/2020. Huntington bank has failed to release the title and file the necessary paperwork with the National Vessel Documentation Center. I have contacted them four times about fixing this issue and releasing the lien on my vessel as this has been going on for almost three years now. They remain ignorant to this issue, create cases that they do not follow up with and refuse to fill a simple piece of paper that would release the lien. They have been a huge disspointment and will never do business with them again. They will not help and if you file a complaint, you will not hear from them. They are good at one thing : collect interest rates. 1*
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for XXXX in XXXX, XXXX. My XXXX was XXXX in XXXX, XXXX. My balance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was included in my XXXX. 

Since I've received my XXXX XXXX XXXX XXXX continues to report this account as open and derogatory to TransUnion. It is only reporting as open on my TransUnion credit report. All of my XXXX credit card accounts, including this one, are now closed. Continuing to report this account as open, when it is closed, is affecting my credit score. 

I contacted XXXX XXXX in XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX - requesting an update to my TransUnion credit report. Each time I was told my request had been escalated to a 2nd Tier Manager and would reflect with the next reporting at the end of the month. It is now XXXX, XXXX and this account is still reporting as open on my TransUnion Credit report. 

I have challenged this misreporting directly with TransUnion in XXXX, XXXX and in XXXX, XXXX. XXXX XXXX continues to verify back to TransUnion that this information as accurate, and no changes have been made to my report. 

Please note, XXXX XXXX is accurately reporting that the card balance is {$0.00} and was included in my XXXX, HOWEVER they are still reporting the account as open. THIS ACCOUNT IS NOT OPEN AND IS NOT IN A DEROGATORY STATUS. IT IS CLOSED AND NEEDS TO BE REPORTED TO TRANSUNION AS CLOSED. To reiterate, my issue is not how it is reported to XXXX or XXXX. The issue is solely with TransUnion. 

I am reaching out to CFPB for assistance with getting this corrected. If this is not resolved my next step will be to take legal action.