23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am filing this formal complaint against Mohela for their gross negligence, inefficiency, and failure to properly manage my student loan account, which has caused significant distress and financial mismanagement on my part. 

During my XXXX  XXXX bankruptcy plan, when my loans were transferred from XXXX XXXX, Mohela failed to follow up or provide the necessary documentation to ensure a smooth transition. Furthermore, they have repeatedly failed to retain or furnish any records related to my loans prior to XXXX, including essential promissory notes and other loan documentation. This failure to maintain accurate records constitutes a severe breach of their responsibilities as a federal student loan servicer. 

Mohelas handling of my account has been unprofessional and negligent, placing an undue burden on me as the borrower. Their lack of transparency and failure to meet the standards of service expected of a federal loan servicer has caused significant frustration and financial complications.

Given these issues, I am requesting the Consumer Financial Protection Bureau investigate Mohelas actions and take necessary corrective measures to ensure that my loans are reassigned to a servicer that upholds the required standards of transparency, accountability, and professionalism.

I trust that the CFPB will address this matter swiftly and take appropriate action to protect borrowers like myself from further harm due to Mohelas mismanagement.

Thank you for your attention to this serious issue.
Product: Checking or savings account

On Wednesday, XX/XX/year>, I recevice and email for Wellsfargo bank telling me that that sent a payment of XXXX, from my billpay to XXXX XXXX. When I saw the email I immediately call Wellsfargo to tell them that I has not sent a billpay to XXXX XXXX. They refer me to the fraud department. I told them that was not me, I don't have an account with XXXX XXXX. I was told the payment have not been process yet and they were going to stop it. On the XXXX XXXX, I went ro bank and was told the money was in my account. I using it. Then on Saturday, I recevice alert that my account was overdrawn. I could believe it. I call the bank and they couldn't tell me why because the fraud is closed on Saturday. I call on Monday, XX/XX/year>, and was told that it was paid to XXXX XXXX. I was upset, how could this happen I told you guys it wasn't me, then I was told it was going to be stop. Make this make sense I call and told you its wasn't me and you pay it anyway. I was a letter was sent to my on Friday, XXXX XXXX, 2025, what kind of letter, she said affidavt was sent for me to sign and it going take at least ten days. This unacceptable, how is it possible for someone to get into my billpay and set-up a payment to XXXX XXXX.
Product: Debt collection

Chase card company keep call me and harassment me well I'm at work..They never told me I can opt out. Please to this off my credit report
Product: Credit reporting or other personal consumer reports

I was stunned to see incorrect accounts on my credit report tonight, and Im completely at a loss as to how they got there. I routinely check my report, and this time, there were unexpected errors. I even refreshed my browser, hoping it was just a glitch, but the wrong accounts remained. Im really shaken by this and urgently need the documents Ive provided to be thoroughly reviewed so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

I disputed a fraudulent account with Experian a few months ago because someone open an account with XXXX that I did't authorize. The account was investigated and proven to be fraud and it was removed. However, XXXX sold this account to XXXX XXXX XXXX which reported late payments on my credit report. They have never contacted me or sent out a letter. When I spoke with a representative NO ONE knew that this account was FLAGGED fraudulent but told me it could only be removed if i paid the balance due or make a payment arrangement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to remove fraudulent inquiries from my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Account number XXXX etc. has violated my rights. 
Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXXXXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX  Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX  XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXXXXXX XXXX XXXX  Account number XXXX has violated my rights. 

Account name : XXXXXXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXXXXXX XXXX Account number 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 written my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items if information. Any other adverse of information, other than records of convictions of crime which antedates report by more than seven years.

15 U.SC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 BALANCE {$1100.00} 15 U.S.C 1681 section 602 A. States I have 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 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax my identity theft report and police report of the erroneous accounts. I never received a updated credit report. Nor was the items investigated.
Product: Student loan

I was in forbearance on my student loans while I was unemployed ( spousal circumstances had me relocating from XXXX to XXXX in XXXX XXXX ). I chose forbearance for 1 year, knowing that it would take me a little while to find a job in XXXX and get settled enough to resume payments. Forbearance went into effect in XXXX XXXX. In XXXX XXXX, I called up Fed Loan Servicing ( a.k.a., Pennsylvania Higher Education Assistance Agency ) and told them I wanted to resume payment and asked what my repayment options were. They outlined the plans, we chose a reduced payment plan for the larger of the loan " clusters ''. I was told that in order to process my application for the reduced payment plan, they would need to take my loans out of forbearance and put them in the standard repayment plan - but that I would not owe the amount due under the standard repayment plan ; that I should ignore the bill when it came due saying that I owed the amount under the standard repayment plan ; that in XXXX, my new payment plan would be in effect and that amount due under the standard repayment plan would not be relevant, would " disappear '' - that I would see the total due for all my loans that I agreed to under the reduced repayment plan in its place. It is now XXXX and XXXX payment periods have gone by since they told me this. I have had to call them 6 times to sort out what the amount I owe toward my loans is under the reduced payment plan and to what particular loans I need to pay what amount. Also note that in all this time, I have never received documentation of what I 'm being told - despite that it involved payment amounts. And all the while, XXXX of my loans still shows that I owe ( and am now delinquent on ) the full amount under the standard repayment plan. I was assured every time I called that " by next billing cycle, your reduced payment plan will be in effect '', that I should continue to ignore the delinquent notices and the amount shown that I owe under the standard repayment plan. I have just called them for the sixth time to sort this out. Tonight they tell me I need to go into forbearance again for one month and that " next billing cycle, your bill will depict the reduced payment plan amount ''. The amount that I 'm past due will go back into the pool of what I owe totally - and I know that because I 'm in forbearance for even one month, the interest I will owe on my loan will be higher than it would have been had I been actually, legitimately, on the reduced payment plan -- which they assured me I would be by XXXX when my payment came due. I am beyond fed up. Fed Loan Processing has screwed this up so much that now my payoff amount at the end of my loans will be higher than it should have been. And I still have no way of knowing that come XXXX, when my bill is due again, this will be any more sorted out than it is now. They ca n't or wo n't provide documentation of what 's discussed on the phone ; they will only send me a notice of the forbearance I verbally agree to. I 'm not even sure what I can do if, in XXXX, this is still the case.
Product: Student loan

When I first Acquired my private loans from XXXX XXXX I had a fixed interest rate of 4.25 % recently within the last year Navient has rased my student loan fixed rate to 6.5 % with no notification or reasoning, making it impossible to pay off my loans
Product: Credit card

I made an appliance purchase at Best Buy Store using Best Buy ( Citibank ) credit card on XX/XX/2023. Best Buy was unable to deliver on the day of expected delivery XX/XX/2023, so I decided to cancel entire order and purchased appliances elsewhere. I received what I thought was a full refund until 30 days later when I received a bill from Best Buy Citibank credit card for {$190.00}. On XX/XX/2023 I contacted the credit card who directed me to handle with the store. I spoke with a manager at the store who said they'd work with Best Buy corporate to refund within 2 weeks. On XX/XX/2023 I began to receive debt collection calls. I explained the entire story and spoke with a few people. I called Best Buy repeatedly between XXXX which is documented. I was continually told different things by Best Buy. I was hung up on, lied to, mislead, and intentionally strung along in hopes I'd pay for something that should have been cancelled. I was continually told my case was being escalated and worked on. On XX/XX/2023, Best Buy Citibank reported delinquent payment status to the credit bureaus which now effects my credit score. Fast forward to XX/XX/2023 after working with XXXX XXXX XXXX, Best Buy Stores worked with Best Buy Citibank and issued two refunds totaling {$190.00} along with Citibank reversing a late fee of {$29.00}. This brought my Best Buy Citibank credit card account to XXXX balance. Best Buy corporate stated they requested that Best Buy Citibank remove the negative reporting to credit bureau, but they would not. Instead, Best Buy Corporate stated that Best Buy Citibank suggested I dispute the reporting to the credit bureaus. This was absurd and was outright an action to push me off. The credit bureaus will not remove anything from my credit report because I say so and to dispute it with them, I'd need documentation. I reached out to the credit bureaus and was told Best Buy-Citibank needs to request the negative reporting be removed. My credit report should not be affected because Best Buy Stores did not resolve this back in XXXX. Why should my credit history be negatively affected as a result of bad business practices? Why won't Best Buy-Citibank remove the one-time negative reporting if Best Buy Stores explained to them the situation. I have all the calls I've made documented. How is a consumer supposed to navigate this dispute? I haven't had a single late payment on my credit report in over 10 years and now Best Buy Citibank does this because Best Buy Stores did not issue the refund in time? Best Buy store cards are encouraged to be used in the stores and there's a push to buy memberships and protection plans all using their credit card yet when there's a dispute there's no protections for the consumer and the business that the credit card is supposed to be advocating for, they will not support. Citibank will not support what Best Buy stores ( their direct merchant ) are asking.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is incorrectly reporting the balance owed on my credit report. The balance is half of what is being reported.
Product: Debt collection

This is a work number. They keep calling the reception desk and asking for me at work. Please make them stop!
Product: Debt collection

Received XXXX letters from Action Collection Agency XXXX XXXX regarding a " debt '' from my XXXX. Upon calling the first time, with my insurance provider, they could not verify the correct amount for the claimed date of service or any other details of the debt. After this initial call ( no payment ), I called the provider and verified the date of service, amount, and received an itemized bill showing I had a zero balance. I also have my insurance 's explanation of benefits showing the payment posting directly to my provider. 

Today XXXX XXXX XXXX, 2016 XXXX, I called ACA back to verify the debt and spoke with several different people, each having to " check '' with a supervisor about basic information including a license number, the company address, requesting a verification letter, and the discrepancy in amount being collected. No one had any information and I was told my letter would be sent in 30 days ( when by law it should be sent in XXXX ). 

Throughout this process, each person I spoke to was belligerent, refused to listen, and kept changing their story. At XXXX point the " supervisor '' XXXX XXXX XXXX ID # XXXX ) told me the account had an " XXXX on the bill and when I asked how did he have the bill, he said he knows the insurance paid a portion of the claim. How could this be on the " bill '' with XXXX in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX Service or any attempts by the debt collector to validate the debt they believe I owe. It has been more than 7 years since they placed the debt on my credit report and More than 1 month since I requested validation. The original open date is reporting XX/XX/2011 which is more than 7 years of negative reporting on my credit. This same company has also been reporting under US Dept of Education for the same account and dollar amount. They also garnished my Federal Tax Refund for {$1200.00} well over 7 years ago to repay the amount they are still claiming owed.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX  XXXX XXXX ( XXXX ) XXXX I am writing to formally dispute any and all transaction on my account that First progress has reported with XXXX, XXXX and XXXX, whom are all non affiliates with first progress, in the terms and conditions provided by First progress they stated they would not disclose my nonpublic personal information to non affiliate 's. There is multiple violations of my rights as a consumer. It is against the law to report transaction history, I never gave written authorization to report to the three credit reporting agencies, or to any other non affiliate. The account is in charge off status, a charge off is also known as a certificate of indebtedness and according to the I.R.S. Code a certificate of indebtedness is income and income must be removed from the report. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) in accordance with the written instructions of the consumer to who it relates. 
15 U.S. Code 6801 6805 Obligations with respect to disclosures of personal information- Authority comes from 16 CFR 313.1 - Purpose and scope. 

( a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 
nonpublic personal information Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. 


Per the Privacy Act of XXXX, and the Fair credit reporting act, as a federally protected consumer, I have the right of opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal, Per 15 u.s.c. 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion EMPLOYERS : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NAMES : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX CXXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX EMPLOYERS : XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( fcra ), XXXX u.s.c XXXX, which mandates a reasonable investigation of disputes. Futhermore, Equifax 's actions may also contravene the consumer financial protection act ( CFPA ), XXXX U.S.C XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. This is a second requests. Note that I am not a credit repair company nor mortgage company. Please remove these accounts from my credit profile. I am currently XXXX  in the U.S. Military. There are credit card laws that protect military members to those who are currently working overseas. Please remove any negative remarks from my credit reports.
Product: Credit card

I had an account that was submitted to Midland Funding for collection. I logged into Midland Funding 's website to resolve the account. When I did this I noticed there was another account in the collections tab for XXXX XXXX with a balance of {$9000.00}. I opted to chat with a represenative and when I asked her how I dispute these charges and I didnt know the account she told me there was nothing she could do to help me. I checked my credit reports and the account isn't on them for me to dispute there so I logged back into Midland Funding and chatted with another represenative who was slightly more helpful. I explained to her that I needed to dispute the account and any/all charges associated with it. I told her that this account wasn't on my credit report and I asked for details on the account. I was told the account was opened in XXXX, closed in XXXX due to non payment and that it had been placed with their agency for collection. Now when I log back into Midland Funding the status is now " in legal collection ''. I asked repeatedly how to dispute this and finally she told me I could either file a police report ( from XXXX????? ) or file a complaint with the FTC which I wasn't aware I could do. So in summary here is an account from XXXX, I happened to resolve an account with Midland Funding and now they are persuing me for 1 ) an account I didnt open and have no knowledge of and 2 ) Interestingly enough NOW they decide to contact me for payment on this account once I've satisfied another. I think what happened was they saw that I resolved an account now they are trying to get me to pay ( from XXXX ) an account I'm asking help with disputing and they dont want to help me with it. This is fraud and all I was asking for was help, I suppose I shouldn't have expected any help from a company who plans on suing me for an account I didnt open.