23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

was advised by mohela to re certify my application in XXXX of XXXX which i did after my loans were transferred to this servicer. comes XXXX first mohela withdrew XXXX when i was paying XXXX monthly before. I called as soon as I saw the transaction and was told my account is going under transition and to call back once that is done, she advised me to dispute the transaction with my bank which i could not because it was pending although it was taken from my checking. three weeks later i got email and called back around XX/XX/XXXX and spoke to a supervisor who advised me to make a payment of my regular monthly payments of XXXX stating she will refund that money and put my loans in forbearance to be reviewed and to adjust my monthly payment, she stated we have application from XXXX and you do not need to fill new one. I have not had any changes happen. i called again as there were no refunds, they state that i have to wait 23 full days and it's pending. 23 days and month passed and no refunds. I had to call my bank and dispute the transaction and finally after two months my bank refunded it. I keep calling mohela over XXXX times, begging for help. agents put me on line for hours and keep saying they are checking and do not know what they are doing until frustrated and ask to speak to supervisor. finally spoke to supervisor again after many voice messaged and dropped calls on purpose. she did not know anything about my account, after being on phone for two hours while i work in hospital taking care of patients she promised someone will call me in 5 days, she said everything we spoke about is recorded and i will get email about it. she promised to escalate my account for review and to adjust my payment. none happened, no one called me. i called mohela back stating no one has reached out and i have no received any document in email or in my account. i have sent them email since XX/XX/XXXX asking or help and no one has replied. the agent on last call she said she can not help me and has to transfer me to supervisor, they always transfer to voice line and when they call back they drop the call or close the phone right away and leave a XXXX stating they called me. this is my third time filing complain, and no one has reached out to me. now i have a payment due on my account of {$1900.00}. I called them again and again and they keep putting my loans in forbearance and this is all effecting my XXXX payments. the last respond i got from previous complain did not make any sense or resolve the problem.
Product: Checking or savings account

In XX/XX/XXXX, I opened up a new checking account with Commerce Bank. They had a public promotion offer available that would pay {$200.00} after a month of keeping account open. I put in {$5000.00} in the checking account per requirements and kept the money in there the whole time. I did not receive the {$200.00} bonus and reached out to the bank for the first time in early XX/XX/XXXX. I talked to a rep that said they would open up a case and get back to me within 2 days. No one contacted me and I reached back out to the bank on XX/XX/XXXX. The rep filled out some internal form and said I should see the bonus post within 7 days. I called back onXX/XX/XXXX and inquired again from a rep named XXXX. She filled out the " form '' yet again. I did not see the bonus or hear from the bank again. On XX/XX/XXXX, I reached back out to talk to a supervisor. At this time, he advised that the bonus was only for certain targeted customers. I told him that it never stated that in the terms and that it was a general public offer. He told me that he would escalate to the Consumer Advocacy department. I still have not heard from him or that department. It is really frustrating because I held up {$5000.00} of cash in this account that promised to issue the bonus.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint to Remove Late Payment from Credit Report I am writing in response to your recent communication dated XX/XX/year> regarding my previous dispute. Despite your assertion that everything is accurate, I must insist that the information in question remains incorrect, and there is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). FCRA Section 611 ( 15 U.S. Code 1681i ) As per Section 611 of the FCRA ( 15 U.S. Code 1681i ), I am exercising my right to dispute the accuracy of this information. I request that you investigate this matter and remove the incorrect late payment entry from my credit report.

FCRA Section 623 ( 15 U.S. Code 1681s-2 ) Additionally, according to Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ), information furnishers are required to provide accurate information. The creditor, XXXX XXXX XXXX, has failed to meet this obligation by reporting a late payment that did not occur. Therefore, I request that you promptly contact AMERICAN XXXXXXXX XXXX to verify this information and correct my credit report accordingly. It is your legal duty to verify this information with the original creditors and delete or correct any unverifiable information within the 30-day timeframe. However, since it has been over 30 days since my initial request and no corrections have been made, I am giving you a final deadline of 15 days to resolve this matter. 

XXXX XXXX XXXX XXXX Date of Incorrect Late Payment : XX/XX/year>
Product: Money transfer, virtual currency, or money service

I am Filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and protected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

AMER consultants was supposed to settle my loan modifications with XXXX and the meeting was supposed to take place but each time he blamed XXXX and when I called XXXX, they never heard of them. his name is XXXX XXXX XXXX he keeps calling me to act like he wants to help but he just wants my money now my house will be sold in the morning at XXXX. I feel as if someone did this to me to make me lose my house on purpose so they could buy it. I owe XXXX and its worth almost XXXX XXXX  if I add or finish my addition of XXXX square feet.
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There is a fraudulent account in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX XXXX acc # XXXX. date opened XX/XX/2012 XXXX
Product: Student loan

My step-son, XXXX XXXX, and I were scammed by MOHELA Student Loan on XXXX XXXX, 2004. This is the 2nd complaint I 've filed with CFPB against MOHELA. The first complaint # XXXX is still pending. MOHELA used a deceptive and misleading Truth In Lending disclosure and XXXX page loan document. Proof that my step-son is not the only victim can be found by viewing this weblink, it 's a video of an investigative reporter interviewing another victim : XXXX XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX & XXXX & XXXX Seems that MOHELA is famous for adding interest charges to loans that they purchase from other lenders. Appears to be a " bait and switch '' scam. Shame on MOHELA for taking advantage of high school graduates with no borrowing experience and for snaring parents excited for their children to attend higher education but lacking funds to send them as co-signer on the deceptive loans. MOHELA does not make interest that loans accrue while students attend college clear and obvious so that a first time borrower/recent high school graduate and parent that 's excited for their child to attend higher education can see and understand interest that will accrue while the student is attending college. The weblink video is proof of multiple victims of this scam.
Product: Mortgage

I ask that a manager simply review the notes in the file on just how many times underwriting has unnecessarily delayed the file by requesting documents already and file and even previously confirmed and documents completely irrelevant for example tax returns. I personally have explained the fact there are no tax returns because the borrower is retired and doesn't file a dozen times, there is even a letter of explanation on file. Something is requested, I explain via phone call, the person I speak to puts a note in the system to explain to underwriting, the request is squared away only to have something else come up the next week and the exact same process has to repeat again and again to the point of insanity. Just when it finally seems like the nightmare is over and I am told underwriting approved the file and the just need mortgage insurance to sign off ( even though there wasn't mortgage insurance on the last offer months ago when we got approval ... ) I find out today that they need a BPO because the one they have on file is expired. they state the bpo they have on file is from XX/XX/XXXX but I know for a fact a BPO was completed on the property on XX/XX/XXXX. The only way I can explain how this file has been reviewed and what ive had to deal with whilst negotiating the short sale is abuse. 

Read the notes, and one would see why this file is about to make me quit my job.
Product: Credit reporting or other personal consumer reports

Experian credit union and the XXXX XXXX XXXX is not trying to help close this case and take this damaging information off my credit report. I was lied to by these companies and I did nothing wrong. Someone used my information in XX/XX/year> to apply to some sort of deposit iq. Now they are stating I owe them over XXXX in delinquency of debt. I never signed up for this service. It firmly believe I was scammed while XXXX, Virginia. I was also mistreated by my employer and wrongly laid off. I refuse to have this on my report. I was also lied to by the property manager and company who is the Management of the XXXX at XXXX in XXXX, Virginia. I reported this situation to the Attorney General there and they did nothing to help resolve this.
Product: Vehicle loan or lease

I purchased a new vehicle in XXXX thru XXXX. My loan had a balance of XXXX. I was a month and half past due where they reposted my vehicle where I had a cple of months left. Where I lost out on work, and bills got backed up even more due to me not being able to get to work. I'm sure that it was a result of misapplied pymts and extra fees where I could of still had my vehicle that I had paid over XXXX for. I had to buy another vehicle and had a lot of pain and suffering of XXXX.
Product: Debt collection

I received debt collection notices for medical bills that were not properly due. The insurance company was still reviewing the claims when I received the notice and the insurance company did pay the claims, resulting in a credit on my account with the hospital. Several weeks after the credit was applied to my account, I am still getting notices from the collection company, although the hospital agrees that there is no debt due and instead there is a credit on my account. I called the collection company and they were not very helpful and do not seem to be able to work with the hospital to clear the account.
Product: Money transfer, virtual currency, or money service

I loaded {$1500.00} across two transactions on to Skrill on XX/XX/XXXX. The first transaction for {$500.00}, and the second for {$1000.00}. 

The next morning, I tried to withdraw the funds and was immediately told that my account was restricted and was told to contact Skrill. I promptly submitted a ticket immediately after ( Case # XXXX ). I received an email the next day ( XX/XX/XXXX ) which asked about the nature of my use of Skrill, to which I promptly replied with my truthful answers. I never got a response after that. 

On the XXXX, I got an email that said my account was permanently closed. No reason given for account closure, and I still have not gotten a response to the answers I submitted. No information was given on if my funds would be returned for me. I've tried submitting subsequent support tickets, but have never been told a ticket has been generated or given a case number for subsequent requests. Calling Skrill 's support line is met with " This phone number does not accept anonymous calls '' before an automated system hangs up. XXXX around, this seems to happen to most other Skrill users as well who try to contact Skrill via phone. 

On the XXXX, the day I'm writing this, I still have not heard anything from Skrill after being told my account is permanently closed.
Product: Debt collection

I received a debt collection notice from National Credit Systems , Inc. in the mail. The letter is dated XX/XX/2023. 

I called the representative assigned to my case, XXXX XXXX XXXX. She called me back 2 days later. When she called me, she told me the amounts associated with my collections account. I told her I was a victim of identity theft and that I would like to dispute the charges. She said she would send me the identity theft packet for me to prove that this debt is not mine. This is exactly what I was expecting because I have had to fill out many of these with several debt collectors as a result of this recent identity theft. 

I then asked her for details regarding the debt owed, specifically which apartments complexes I owe the debt to and the dates for the charges. 

She would not provide me with the dates associated with the charges. This surprised me because every other debt collector has given me the dates and it is required for a debt collector to provide details regarding the debt owed. She insisted that she did not have to provide the dates. 

After getting off the phone with her, I realized she also did not email me the right information for submitting a fraud claim. She emailed me a form requesting emergency rental assistance. 

I am filing this complaint because National Credit Systems needs to provide me with the dates associated with my fraud claim and they need to send me the fraud packet so that I can prove this is identity theft.
Product: Checking or savings account

There was fraud that started using XXXX from my Chase account on XX/XX/XXXX. I reported it to the local Chase Bank ( XXXX  XXXX XXXX. XXXX ) and we began the process. The account was then frozen and online banking was no longer available. 
The person ( XXXX ) continued to move funds using my personal checking, business checking, personal savings, and business savings. To this, I received alerts daily via email that Chase was declining the transactions, but it kept me from doing anything online. I was using to XXXX number to see if there was a balance in any of the XXXX accounts to go withdraw available funds. 
Through research and mulitple bank visits, it was discovered that they had added phone numbers to the accounts to use XXXX to move funds. The agent even called the person 's phone thinking they were calling me, only to realize it wasn't me after I gave the correct number. 
Now they are asking me figure out a new claim amount because they have paid back what was reported. Amounts are not correct... therefore there is balance due.
Product: Money transfer, virtual currency, or money service

I used Moneygram to transfer {$150.00} to my wife in XXXX. I used their service in the past and money was deposited within an hour into her bank account. After a week, I contacted them several times and I was told I had to wait 90 days for an investigation. They had no issue taking the money from my account, but try to pin the responsibility on the receivers bank. My wife contacted her bank and the money was never deposited. I called again and said it was true that money was never transferred to their bank but there was nothing they can do to refund my money until the 90 days.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries 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 XXXXXX/XX/XXXX I am writing to file a complaint regarding unauthorized credit inquiries that appear on my credit report for : I did not authorize these inquiries, nor have I provided consent for any credit applications or related actions that would warrant such activity. These unauthorized inquiries are negatively impacting my financial standing. I have contacted each Furnisher to address this matter, however, I have not received an y resolution. I requested wet signature applications and proof of authorization. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these unauthorized inquiries and take actions to make sure theyre removed, and to prevent further unauthorized activity.
Product: Credit reporting 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Payday loan, title loan, or personal loan

I took out a car loan for XXXX with Ally financial in 2011. They have withheld account information to me, lied about my payment plans, used extortion and bullying to squeeze exorbitant amounts of cash well over what I originally agreed too. I have put over 30,000 dollars in this car and they are still harassing me.
Product: Debt collection

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a third Follow-Up Letter ( XX/XX/XXXX ), and a Fourth Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent four letters asking for a correction to my credit report. 
To date, I have had to dispute incorrect medical collections along with inquiries that are not mine four times. On different occasions, I have received responses from all three credit bureaus with confirmation of these medical collections being removed/deleted from my credit report.

The medical collections are the following : XXXX. XXXX XXXX with account number XXXX for the original creditor " XXXX XXXX  of XXXX '' for the original amount of {$260.00}. This medical collection was removed/deleted in XX/XX/XXXX. I have attached supporting evidence to show this medical collection has been deleted. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX with account number XXXX for the original creditor " XXXX XXXX  of XXXX '' for the original amount of {$260.00} was sold to Lockhart , Morris & Montgomery, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 
XXXX. Law Offices XXXX with Account Number XXXX for the original creditor " XXXX  XXXX XXXX '' for the original amount of {$220.00}. This medical collection was removed/deleted in XX/XX/XXXX. On XX/XX/XXXX, the medical collection that was previously with Law Offices XXXX with account number XXXX for the original creditor " XXXX  XXXX XXXX '' for the original amount of {$220.00} was sold to Lockhart , Morris & Montgomery, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX.
Product: Mortgage

CitiMortgage denied request for modification stating : " Threre was an irreconcilable discrepancy within your application request. '' CitiMortgage is not providing additional information and we have only been reviewed for Citi Supplemental Modification Program. The denial letter was dated XXXX/XXXX/2015.
Product: Credit reporting

I am filing this complain because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed. 
Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) - they are required to " ... promptly delete all information Which can not be verified. " that i have disputed. please resolve this manner as soon as possible. thank you
Product: Debt collection

I contacted my internet provider ( XXXX XXXX ) via email to cancel my service on XX/XX/XXXX. I had paid the bill for services from XX/XX/XXXX to XX/XX/XXXX. I then received a bill for services {$100.00} for service for the period of XX/XX/XXXX to XX/XX/XXXX. I called XXXX XXXX and reported the error. Since I terminated service on XX/XX/XXXX, I felt that I did not owe for the XXXX to XXXX billing and did not pay for the XXXX invoice. They disagreed. They turned it over to a collection service : Financial Accounts Service Team XXXX Inc. When I received the first letter from them, I contacted them by phone that I was disputing the charges. They would not dismiss the charge. I have written 3 letters disputing this charge. XX/XX/XXXX- XX/XX/XXXX XXXX XXXX, XXXX. And they still will not take this charge off of my XXXX credit report. I disputed the charge with XXXX credit agency and with XXXX XXXX XXXX. XXXX credit agency accepted my dispute and removed it from my credit report. But XXXX will not remove it from credit report. Since I cancelled the service on XX/XX/XXXX I feel that I do not owe for services from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Credit report an noticed that there were items reporting that did not belong to me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX