23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, we submitted an ACH payment to MOHELA for the remaining accrued interest balance on my loans, which they service. It was processed by our bank on that date. 

However, due to the payment address on MOHELA 's site not being clear, they cashed the payment but sent it to the wrong address. This delay allowed additional interest to accrue on the account after the date upon which the total interest balance was to have been paid off. 

Both my wife and I spent extensive time on the phone with MOHELA, and were assured that the problem would be rectified. Upon our last phone conversation, a manager told us that it had been fixed, and that the payment would be applied to the interest balance, as we 'd specified. 

Today, XX/XX/XXXX, I received a call from MOHELA for an unrelated issue ( they ca n't get our mailing address correct ). Out of curiosity, I asked the representative to confirm that the interest payment had been applied to my account as it was supposed to have been. It turns out it had n't. They applied part of the payment to the interest balance, and part to principle, allowing additional interest to accrue on the unpaid interest balance. 

This is clearly intentional profiteering. Both my wife and I had repeatedly told and been assured by MOHELA representatives that our payment would be properly applied, which would have paid off any accrued interest balance. By improperly applying our payment ( and lying to us about it ), MOHELA is attempting to profit by charging us interest on a balance that was to have been paid in full nearly a month ago. 

Yes, I could have caught this earlier by checking their website, but frankly, that should n't be my problem. They made an accounting error, and we spent a great deal of time getting it worked out with them. My wife and I should n't be expected to babysit the company further, checking their website constantly to insure that they simply do what they were supposed to have done with our money. 

Supposedly this is to be resolved " sometime this week '' according to the representative I spoke to today. I was not given any kind of date, and was told that I have to just keep checking the website to see if the problem has been fixed. At this point, I have no faith whatsoever it will be corrected. 

Unconscionable, and sadly, seemingly unpunishable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX account # XXXX is Paid-in-Full. The account is not " Open '' or in a " Payment Plan '' as it is completely paid. XXXX has been asked to correct this inaccuracy. Equifax and XXXX have also been notified to correct the false information but have not.
Product: Debt collection

( I.C. SYSTEM, INC ) at ( XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX ) has been sending me collection notices in the amount of ( {$990.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like this collection removed from my credit report with all 3 agencys XXXX, XXXX and XXXX immediatly.
Product: Credit reporting or other personal consumer reports

I am writing to complain to CONSUMER PORTFOLIO SVC about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Mortgage

Summary I obtained a mortgage loan for an investment home in XX/XX/2014. One of the conditions of the loan was to make certain repairs to the home. Reserve funds was withheld until the repairs were completed. After the repairs were completed, the reserved funds were applied to the loan principle instead of being returned to me. My principal complaint is that these should have been given to me. 

The original lender was XXXX, and the mortgage was sold to Wells Fargo. I do n't know which lender made the decision to apply the reserve funds to the loan principal. Nevertheless, Wells Fargo says that the funds can not be redirected to me because I did n't give them notice that I wanted the funds returned to me. Additionally, this notice was required to be made within 30 days of the date that the reserve funds were transferred to my loan principal. I was never given such notice. 

XXXX XXXX.
Product: Debt collection

I received collection text messages and letters from out of nowhere. I mailed a letter to The company that said the car loan was with and it was returned saying the company was closed like out of business. I called trying to Find out how they got my information when I never gave consent to be contacted. I asked for proof of the debit and ownership and never received anything other than letters to collect the money. I never signed for this car. This is fraud and I would like it removed from my credit report. I have never even received a phone call from this company.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX, XXXX, & Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my XXXX and Equifax and XXXX credit report and there was addresses and names and inquiries and accounts that dont belong to me on the credit reports I sent them proof of police report and identity theft report and to remove those accounts and correct my personal information like my name and addresses and to remove the inquiries and they did not they are refusing to correct them
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number : XXXX Account # XXXX Account # XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXXXXXX XXXX, has verified that the account they are reporting under my name is accurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax on numerous occasions to update the incorrect late payment information reporting for XXXX - XXXX, on XX/XX/year> it was removed from my XXXX report on XX/XX/year> it was removed from my XXXX report. Under the FCRA my info must match or it must be deleted. Please delete this inaccurate info from my credit report or I will seek litigation. Please remove within 10 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX TN XXXX I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within four business days of receiving this complaint. *Fraudulent Accounts to be Removed : * XXXX  {$12000.00} XXXX Account number : XXXX XXXX  {$2800.00} Account number : XXXX XXXX  : Date : XX/XX/XXXX Account XXXX XXXX  XXXX : Account number XXXX Last reported XX/XX/XXXX balance {$540.00} XXXX XXXX : balance {$960.00} XXXX  ; balance {$540.00} Account number XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of Equifax in safe guarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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: Debt collection

I canceled the progressive insurance and by the date of payment according to the aforementioned account I already had other insurance. In other words, that account does not belong to me. Please stop continuing with these things that are not pleasant at all. I ask you to please delete that fake account XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Equifax via certified mail regarding accounts that do not belong to me and unauthorized credit inquires. I received a response stating the information I disputed is not in my credit file. I was in complete shock as I looked at my credit report and every item is in fact listed and reporting. So they did not investigate the matter at all. I called today XX/XX/2021 regarding the items and was told they can not help me. I proceeded to ask for a supervisor and spoke with XXXX who said she could not do anything without the documentation. I explained they have the documentation, ad was placed on an extended hold. She then advised one of the unauthorized inquires could be removed and that is all she could do. I advised her I was filing a complaint against them as they are violating the FCRA!
Product: Debt or credit management

I entered into an agreement with Freedom Debt Relief ( FDR ) : XXXX ) I authorized FDR to take {$170.00} in ACH payments and to access my account on the XXXX of each month. 

XXXX ) The debt amount was for {$9300.00} -only- ; and that if I signed with FDR, I would be paying roughly XXXX  % of the debt -only-. That FDR would charge for their services and that there was a XXXX TIME banking fee for setting-up the bank account for the ACH withdrawals. 

XXXX ) I cancelled my program with FDR on XXXX, XX/XX/XXXX. 

XXXX ) I informed FDR on XXXX, XX/XX/XXXX, that although I was able to log into my account, no information on my account was accessible.It still is not accessible. 

XXXX ) On XX/XX/XXXX, FDR accessed my account and on the XXXX withdrew {$170.00} via XXXX. 

XXXX ) On XX/XX/XXXX, I had to call FDR XXXX times before I could speak with a supervisor in an effort to resolve this mess ; I was told by a FDR supervisor that the XX/XX/XXXX ACH withdrawal would be returned. 

FDR has broken the agreement. 

a ) FDR accesses my account on the XXXX of every month and on some months withdraws the ACH payment on the XXXX. 

b ) Although the debt amount was {$9300.00}, because FDR did not attempt to negotiate all my debt when I signed my agreement with them, several higher amount cards have accumulated ate penalty fees and etc. Those card amounts have each increased over {$1300.00} each and I am now responsible for the increased credit card amounts as well as the FDR fees on those amounts. 

c ) The XXXX TIME banking fee is a recurring banking fee. 

d ) The increased debt amount has brought my initial debt to over {$15000.00} from {$9300.00}. 

XXXX ) To date I have paid over {$1000.00} to FDR, which should have gone to my creditors, but instead has gone to FDR for banking fees and for settlement amount fees over the initial debt amount. 

f ) On XX/XX/XXXX, FDR accessed my bank account placing a HOLD on {$170.00} once again g ) On XX/XX/XXXX, FDR withdrew {$170.00} from my account, even though there was no longer an agreement with FDR. The program agreement had been cancelled with an FDR representative on XX/XX/XXXX. 

FDR continues to access my bank account even though there is no longer an agreement.

FDR has in XXXX-year charged me an extra {$1000.00} which should have gone to my creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter out the Capital One on XX/XX/ asking them to provide me with a copy of the 1099-C that was issued by their company when they charged an alleged debt off with the IRS which is required by law for all debts over {$600.00}. I have yet to received a response. Also my rights have been violated according to the FCRA 15 USC 1681B ( a ) ( 2 ) This company did not receive any written instruction by me to publish such allegations onto my credit report.
Product: Checking or savings account

I opened my BMO account on XX/XX/XXXX with a promotion for {$200.00} after making two direct deposits greater than {$300.00} within 90 days. This was completed by XX/XX/XXXX, but I have not seen the {$200.00} applied to my account. 

Initially contact BMO Harris on XX/XX/XXXX and was told the account would be evaluated after 120 days of being opened, and then the bonus applied within 10 business days. 

I then again contacted BMO Harris XX/XX/XXXX, and was told the bonus would be applied within 10 business days. It is now 11 business days without any bonus being applied or further communication from BMO Harris.
Product: Debt collection

On XXXX a debt popped up onto my credit report stating I owe money to a company called XXXX XXXX XXXX. The newest company to claim this debt which shouldn't be coming back to me. This debt was a very old bill which I have already shown was fraudulent multiple times before and had it removed. Yet it keeps getting sold and put back on. The debt claims it was opened in XXXX of last year. I disputed and I'm not sure what proof they provided but it was not deleted and still the dates claim I had an account with them in XXXX of last year. This is not true or anywhere near true and it needs to be, once again, removed from all credit reports and not sold this time to ruin my credit once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tansunion refuses to accept documents by only choosing to accept document through the mail. While I've already provided compelling information on this matter their decision is impacting my way of living
Product: Credit reporting

My name is XXXX XXXX and on XXXX XXXX of 2016 I filed a dispute with Transunion after spotting inaccuracies on my credit report for a collection by the name of XXXX account number XXXX. After receiving the results from Transunion that they verified the collection I reached out to the collection agency with a validation letter and never received a response from them. So once again I sent another dispute to Transunion on XXXX XXXX 2016 with proof the collection agency had received my letter and never responded, Transunion yet again verified this inaccurate medical collection. Transunion 's refusal to properly investigate is a violation of the FCRA and FACTA.
Product: Credit card

I have made a separate complaint about this but this specific one is for capital one while the other was for XXXX XXXX. As I mentioned on my other case, I was a recent victim of a fake job employment scam. They used my credit card to make purchases for them THEN they made payments that later bounced back on my credit card and now my credit card were over drawn XXXX aside from what I personally already owed. The total amount the fake employment scammed me for was $ XXXX between both my capital one and XXXXXXXX XXXX credit card. I am not in a position to pay those over drawn balances. I have the conversations between myself and the hiring XXXX where they give payment information to use for credit cards that would show as credited the first day but then Bounced back 4 days later. Which is when I was realizing that this is a scam, they continued to make these alleged payments to the credit card but once I started to feel uncomfortable and I made that known to them they started to XXXX my messages and then discontinued all contact with me. I have screen shots of the accounts they provided to make these said payments to the credit cards, also the inappropriate comment he made to me that made me realize more this was not a legit job offer. The merchants arent able to help me because they said the credit card companies can help but they couldnt help me either. XXXX stuck in a predicament and now I need help.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding multiple unauthorized inquiries on my Experian credit report. These inquiries are not related to any account or credit applications I have made, and I believe they have been reported in error. These unapproved inquiries negatively impact my credit score and overall creditworthiness. 

Despite attempts to resolve this issue directly with Experian, I have not received satisfactory assistance in removing the unauthorized inquiries. As these inquiries are not connected to any accounts or applications I recognize, they should be promptly removed. 

I am requesting that the Consumer Financial Protection Bureau assist in investigating this matter to ensure that Experian removes these inquiries from my report, in compliance with federal regulations. 


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Product: Money transfer, virtual currency, or money service

I recently enrolled in Plastiq services to pay for my XXXX XXXX. I have checked their policies with using XXXX XXXX as a credit card which is allowed under their Terms and Conditions I made a rent payment on XX/XX/XXXX for {$1800.00}, after fees is {$1800.00}. 
Plastiq just email me that the payment is cancelled and will be refunded back to the card without a reason why. I have contacted them and no response. 

The issue is that it is XX/XX/XXXX and my rent is due at the end of the month. I can not wait 3-5 business days for this refund and Plastiq is not being honest on why my rent was refunded when I have follow their protocols.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am wanting to dispute the late charge that dropped my XXXX XXXX on the XXXX credit bureau. It showing that my vehicle a XXXX XXXX was delinquent and I traded in this vehicle and the payment was received with them on XX/XX/XXXX for {$32000.00} to Capital One XXXX and they reported that my payment was late. This vehicle was in my mother 's name XXXX XXXX and I was the co-borrower ( XXXX XXXX ). She has not received a late payment notice but I have.