23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX this year I noticed that for one of my federal direct loans, the principal balance Mohela is basing the minimum payment off of is the balance that loan had in XX/XX/XXXX. That balance was {$19000.00}. I've made several payments on that loan since XX/XX/XXXX, so I asked Mohela why the minimum payment was being calculated on an old & inaccurate principal balance. The rep I spoke with on XX/XX/XXXX said they had no idea. I decided to give it a couple weeks to see if things might update. When it didn't, I sent a message on Mohela 's website on XX/XX/XXXX asking the same question. I received an automated response XX/XX/XXXX saying they were delayed in correspondence response. Today, XX/XX/XXXX, I got a message saying my question is too complicated to answer via messages and that I'd need to call and talk with a rep. I did. The rep told me they have no idea how to answer my question or why the principal balance used for calculating minimum payments is not updating, 11 months later. 

Because of this issue, I cancelled my auto debit setup, because Mohela would have been pulling the wrong amount. This means I can not benefit from the .25 % interest rate reduction offered by Mohela if you participate in auto-debit. 

Mohela 's staff needs to be trained to understand their system and answer questions such as this. It's egregious to have a loan servicer not be able to provide information about something that is directly impacting borrowers ' required payments. 

Secondly : I applied for the SAVE plan and it's been several weeks with no update on processing that request.
Product: Credit card or prepaid card

I have a bestbuy citi visa that I applied because of zero interest promotion. I made a payment on XXXX XXXX2020 using my banking information and the banking information was stored. I made another payment XX/XX/2020 and got a return of service, because they said that the bank information was not correct even though it is the same banking information stored and used on XX/XX/XXXX. I was charged a late fee and feel like this was done intentionally, because my XX/XX/XXXX payment would not have gone through if the information was incorrect.
Product: Debt collection

ERC reported me to XXXX that i owe a debt to XXXX which i did not owe on several occasions i called them on a recorded line which i have evidence asking them to verify the debt or sent me proper documentation proving that i owe the the debt they have refused to provide any evidence. And last month i called them again they told me that XXXX have pulled the debt from them and that they are going delete it from my credit report i have recordings its been more than 50 days ERC is still on my credit report reporting for XXXX The Fraudulent actions of ERC is preventing me from obtaining credit.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXBalance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXXBalance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I only became aware of a debt that was placed on my credit file because of a security clearance for my job. I contacted phone number XXXX, which was shown to be the number for the collection agency, not sure of the name, as the credit report shows XXXX, but when I contacted this number the recording states, office of XXXX or XXXX I spoke with a rep. by the name of XXXX who informed me that this debt was from the creditor XXXX from XXXX. I explained to the rep. I have no idea what this debt is and why it 's on my report and why I am just hearing about from XXXX. I informed XXXX I am disputing this debt, please refer it back to the original creditor! He stated the debt will stay on my report until it is paid and it 's on my credit report because it has n't been paid. I disconnected the call because XXXX was clear about their company 's disregard for the laws of the Fair Debt Credit Reporting Act. I have not received any information about this debt, in any form, but it has been placed on my report, wrongfully. I ask that this debt be immediately removed and never placed on my report again! To place a debt on someone 's credit report after XXXX years is totally ridiculous. The collection agency shows a id number of XXXX, original balance of {$44.00} and a current balance of {$43.00}.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

JP MORGAN CHASE AND COMPANY ACCEPTED MY PAYMENTS, KEPT THE FUNDS BUT DID NOT CREDIT MY ACCOUNT AND MAKE THE FUNDS AVAILABLE. 
Failure to honor, process and credit the intended account has caused loss injury and harm. An offer of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. It is their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies.

This Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Product: Debt collection

In XX/XX/, I received the first collection mail from the creditor name One Main Financial for the loan amount {$12000.00}. I ignored the first letter doubting and thinking it could be a scam. Upon receiving the second mail on XX/XX/, demanding the loan amount {$14000.00}, i took the letter content concerning. i called the creditor Customer service to enquire about and dispute .After questioning and informing that neither i applied for the loan nor i took the money. The One Main agent XXXX, to my response informed me that i had provided my Social Security ID, along with my Identification and W2 form from XXXX. I have the recording of the call. One Main claimed that the W2 form from XXXX was submitted, whereas i have never worked at XXXX but only in Service sector. I disagree and claimed that the loan was taken by me and i have never taken any loan in my life, then the agent stated that it could be fraud. My call was transferred to One Main Financial fraud department. Then i spoke to the One Main Financial fraud department agent name XXXX, I was instructed that One Main agent will file a fraud case for the victim of fraud .I was asked to submit, an notarized affidavit along with a photo copy of my State ID, proof of resident ( XXXX  mail ) and Social Security , and inclusion of police report However i could not file a police report as i needed the location of information and the time of fraud. 
I called couple of time to One Main to request the information of the time and the location of fraud. They were not confident to provide the information but only the time of opening an account and the date. On XX/XX/2022, Time XXXX XXXX XXXX the account was opened. Going back and forth with One Main agent, it delayed me to file a case at the Police station. 
The first investigation was submitted without the police report. Their investigation was concluded the police report was missing, and the loan application was not a fraud case but it was valid, which i still disagreed and dispute. 
Since i had Police report, i disputed the first investigation conclusion. On my second dispute I submitted the Police report. The second investigation was again concluded with statement that the account was not fraudulently obtained and remained a valid debt in my name. 
I sought help from XXXX, their investigation was concluded stating that the loan was obtain by me. 
The creditor One Main account information is still showing under my credit report. 
Since i have drained my source of help, I request CFPB to help me investigate to the depth. I do not own a debit account other than XXXX bank. I have not loaned above mentioned amount ever in my life. 
I am the victim of Identity theft and fraud case.
Product: Credit card or prepaid card

The company for whom I work uses a First Data product call the Money Network Card. They use this card to reimburse business expenses, pay incentives, and take care of payroll adjustments. The issue is not with how my company uses the card, but rather how long the MNC holds onto money. Each time I have gone to transfer money off of the card and into my checking account, the money is in limbo for an unreasonable amount of time. The money vanishes from the MNC immediately, but often does not show up in the checking account until 3 - 5 days later. There is no logical answer for these unreasonable times other than they hold onto the money and use it for their own purposes or to gain interest. For example, I transferred {$400.00} from the MNC to my checking account at XXXX on Thursday, XXXX XXXX, 2017. The money still was not in my account on the third day. When I called, they said they would not even initiate the transfer until an entire business day had passed ( so essentially they took my money immediately at XXXX on XXXX XXXX ), and did nothing until Friday XXXX XXXX, and told me I would not receive the money in my account until Monday, XXXX XXXX, 2017. I said that was ridiculous and an unreasonable period of time for a very easy, straightforward transaction. I would like this organization investigated for holding it 's customers money " hostage '' for unreasonable amounts of time. i am less concerned about me personally than all the employees of my company who live paycheck to paycheck and need their money right away. My perspective is that this practice of First Data 's is unethical.
Product: Mortgage

I am not sure which department I need to speak with. My mortgage is with Wells Fargo they have made a mistake and put deferred for a full year I went to look at my credit score and seen it on there on my account that messed with my credit score and plus I am trying to refinance my house. Even though I have proof a letter from Wells Fargo that my payments been on time and not late should had not should deferred because thats something I never agreed too. How do I go by this that it need to be clear to tell credit beaus as well. I have spoken with over 5 people at Wells Fargo giving me the run around and different answers to the solution. Yes they sent a letter showing the removed it but this should had never been done it the first place.
Product: Credit reporting or other personal consumer reports

am writing to formally request the blocking and deletion of specific accounts on my credit report due to my status as a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the following accounts : Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$110.00} XXXX XXXX XXXX - XX/XX/XXXX - {$220.00} Inquiry to Be Blocked and Deleted : XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX just put a bill for charges they admitted to me over the phone that this amount XXXX was for equipment that was incorrect because they then said I paid off my equipment so I spoke 5 times to XXXX and was assured they would correct this but no I see this today now on my report and I am trying to fight so hard to be treated fairly and have accurate information on my reports with all 3 beaures but I am getting no where just treated very unfair Im XXXX and about to contact the fair treatment for XXXX people this is insanity all I need to complain about
Product: Mortgage

I was shopping for a refinance loan and I made the mistake of giving the lender my credit card info for the appraisal if I decided to go with them and told him not to use it unless I gave my express permission. After sending him an email telling him we would not be moving forward until I had compared all offers he charged my credit card for the appraisal. At no time did we sign any documentation or give him permission to go forward. The credit has still not showed up on my credit card after he stated it was being refunded.
Product: Payday loan, title loan, or personal loan

I have been a Citibank customer for many many years and I had applied for a personal Loans and was denied. My fellow co worker down the same and they got approved and their credit was worse than mine and I honestly think I was denied because of my XXXX and XXXX XXXX. I feel there are very unfair practices with then. They separate me by XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was past due on my loan from Upstart. But on XX/XX/XXXX I made a payment on their website for {$170.00} for XXXX. Then I called and asked for the payment deferment for the past due balance. The deferment would bring my account current and break the past due as an add on to the next month payments. I also chose an option to skip an XXXX payment. My payments would restart on XXXX XXXX. 
The recent credit report pulled is NOT showing current. It shows past due for 4 months INCLUDING XXXX. It doesnt show the note of deferred payment neither it shows that I made {$170.00} payment. In addition when I called them, they would not release any information to me and the representative had no idea what kind of payment I made. She kept saying that my account is current. It is under their own investigation and the XXXX report WILL reflect the change. 
Please listen to their recording as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX I contacted Experian regarding several fraudulent hard inquiries on my credit report. They ivolved XXXX  XXXX XXXX ( XXXX ) XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX. I also contacted each of these companies individually as advised over the course of the week followinf. I also filed a police report as advised and froze my credit and put a fraud alert on it. While investigating they doscovered that my name and SS # had also been merged with another woman with a similar name in XXXX Massachusetts and her addresses and phone number were on my account as well as her husband. The rep said it was unrelated to the fruad dispute and she rectified it immediately. Subsequently I keep receiving notices from Experian that the rest of my disputes have been resolved but the reports they give me to see are unreadable without a " premium '' subscription I am told, I also am told that my credit score will not be repaired with out a " premium subscription. '' I have work extremely hard to get in the " very Good '' credit range and it has dropped over XXXX points because of this and I was told again yesterday ( XX/XX/XXXX ) that without a " premium account '' it will not change back.
Product: Checking or savings account

Between the years of XXXX sells fargo continuously held my checks frozen for multiple business days without any explanation.
Product: Mortgage

We refinanced our XXXX XXXX home with XXXX XXXX ( XXXX XXXX ) in XXXX, and shortly thereafter CitiMortgage apparently bought the loan. In XX/XX/XXXX, we attempted to get a HAMP mod and after paying XXXX payments, were rejected, after we complied with every request. CMI harassed us, ruined our credit, and as my wife and I did not agree about paying the balloon to becoming current again, we separated. 

CitiMortgage has admitted to many wrongdoings and paid XXXX of dollars in fines, but they have also been horrible to us, and completely gotten away with it, and we are fighting for justice, to repair our lives, stay in our homes, and help others do the same. 

In XX/XX/XXXX we fixed our marriage, stopped paying again, and filed suit in XXXX XXXX XXXX. After four years of fighting and paying our attorney over {$25000.00}, and approaching trial, CMI has agreed ( over email ) to a settlement. We do not like the terms, but as our attorney is extremely ill, and we do n't have the money to go to trial, we feel it may be our best option. However, CMI is now dragging their feet, and we are stressed and annoyed. 

We feel that the CFPB might be interested to know more, and potentially help us seal the deal, possibly with better terms. 

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

I have contacted XXXX several times have sent certified letters about all the collections an hard inquiry on my account I have ask the to delete these accounts several times because of there improper investigations they did not investigation properly so I need everything thing deleted immediately .Thanks XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

XXXX XXXX believes that Santander Mortgage violated fair faith and dealing with loan modification and fiduciary duties in their responsibility to accept mortgage payments and to provide loan modification. XXXX XXXX would otherwise have qualifed under the XXXX XXXX XXXX XXXX. Santander would change servicers without proper notice to the homeowner which resulted in funds being paid and held by the wrong servicer. 
These actions took place from 2017 onwards. A judgment for foreclosure was provided.
Product: Bank account or service

I signed up for a Citigold card in XX/XX/XXXX. Citibank said that they would give me a {$400.00} for signing up. I satisfied all the terms. Yet I have n't received the bonus. I 've complained to the brank about this over 15 times. They keep " investigating '' but no bonus for me. This is fraudulent and deceptive. I am XXXX years old. This is deceptive to seniors!
Product: Credit reporting or other personal consumer reports

The companies Iam reporting= companies name XXXX XXXX XXXX XXXX XXXX XXXX and other company under the same company they all are one company with different names. I called XXXX XXXX XXXX and was told that these things on my credit report should be being reported under XXXX XXXX not me but due to me having the same address some how it was incorrectly reported on my credit report. The collection agent from this company told me the credit agency such as experian had to be the one to report that it is being falsely reported under me because some how she meaning XXXX XXXX is a alias on my report. Ive asked that anything associated with XXXX  XXXX be removed from my credit report she is my mother an we did have the same address as I lived with her but she should not be on my credit report as a alias they have confirmed that she is the one responsible for these transactions that are being reported on my credit report. I contacted a representative and relaid what the companies told me an what they said I had to do to have these things removed and the person from XXXX told me to make a payment to them to further investigate and fix the problem.. all it takes is a phone call to the collection company to fix and they acknowledge that these transactions are suppose to be reported under XXXX XXXX not me and Ive spoken to a representative at XXXX and I can not get anyone to fix the problem causing me to have major problems
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I volunteered surrendered the car they I owed XXXX they told me I would be on the hook for the balance they sold car for XXXX but they still have me owing full amount as went i first bough car and they have me as repossesion which is incorrect