23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been calling Mohela since my student loan was paid off using XXXX in XX/XX/2024. The amount that was paid off was a total of {$37000.00} for a subsidized federal loan and {$55000.00} for an unsubsidized federal loan. I reached my XXXX payments for XXXX  XX/XX/2024 according to XXXX The amount that I paid after XX/XX/2024 should be refunded to me because it was an overpayment. I only owed {$19000.00} when the loan was paid off so I believe that the extra money that was paid to Mohela should be a refund to me. I have called Mohela numerous times and each time I am told that studentaid.gov has the information about overpayment. When I call XXXX they say that Mohela has the information about overpayment and is the one that will issue the refund for the overpayment. It is very frustrating being based back and forth between Mohela and XXXX and it has been 9 months since my loan was forgiven.
Product: Debt collection

To sum in up apparently during computer and many other changes that the XXXX XXXX were implementing me dical bills fully covers by my then under XXXX XXXX XXXX son are now in collections and adding great stress and loss of living and vehicle purchasing needs.
Product: Credit card or prepaid card

Confirmation number from Denial Letter : XXXX I applied for Verizon Visa Credit card through Synchrony Bank around XX/XX/2022 and received a denial letter on XX/XX/2022. The reason for denial on the letter is " Application has risk factors that cause us to be unsure of your identity. '' They confirmed my identity during the application process through multiple means including social security number and other questions about my past history. I called Synchrony Bank on XX/XX/2022 at XXXX XXXX CST and spoke to customer service representative XXXX. She said I had been denied because of low credit score reported by XXXX. I monitor my credit score regularly and as the attached Credit score report from XXXX indicates, I have excellent credit score and history. I believe the denial is in error based on wrong information or some type of prejudice such as race or national origin.
Product: Vehicle loan or lease

In XXXX of XXXX I applied for and was accepted in to an auto loan deferment on my loan with Wells Fargo due to loss of income due to Covid. I was furloughed and was having difficulty making payments. XX/XX/XXXX of XXXX I received an email from Wells Fargo saying that my deferment period would be coming to an end soon but that I would receive further information on when my payments would be due again and what they would be. In XXXX of XXXX my vehicle was reposessed by Wells Fargo. I received no further information on when the payments would be due again or how much they would be. Per Wells Fargo, this was because they had been told not to contact my husband any longer by him. Regardless, I had received many emails up to that date about other products Wells Fargo was offering so I had been contacted by them, just not about my payment. I am complaining because I do not believe my vehicle should have been reposessed without being contacted prior and the related fees created a further financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I noticed my credit score drop over XXXX points on XXXX  and XXXX. I saw A new account with a balance over XXXX from JPMCB Card. I have never applied for anything with this company. I have been getting calls from an unknown number. They would leave messages saying its chase but I thought this was spam and never returned any calls. I do not have any accounts with chase and have not applied for anything
Product: Checking or savings account

First off I opened a checking and savings account, then a separate investment account, added funds to each, later, I had applied for a job online, was contacted and hired, did a series of odd jobs and received a check that I called the bank to verify it was legit. I then sent the check to sofi via text photo, it later cashed and I took from the account only maybe XXXX or XXXX XXXX. Trying to stay under what my monthly XXXX payments could repay as a precaution. Within a week I noticed negative marks next to my money so I called sofi immediately. They were rude and accusatory, saying my account was closed and they would say no more. I called again and found out the check was or had bounced. They would not tell me if it was fraud or stolen or anything. I told them I had all the company 's info who had hired and issued the check. But they did not want anything from me. I then contacted the investment team to verify my account there was ok. They assured me it was a seperate entity and it was safe. Then a week later it was froze and I was no longer able to move money or withdraw my money.. four more weeks go by or more, and I continued to call and submit requests for someone investigating this to contact me with no call email or text from anyone. As the weeks went by, I continued to call and complain that I needed to withdraw that money and that this account had nothing to do with my sofi check and savings account, but they still proceed to keep my account frozen. Then finally I find out they are keeping my money and couldn't give me any names rules or regulations about their investigation or rights to keep my money instead of closing the account and sending my money to the account I had given them immediately upon finding out they closed my checking and savings account. They neither gave me or provided me with any rules, laws, names, or paperwork showing me anything about this entire process. It is my right to contest these allegations, and price that I took was scammed. This atrocity is happening more and more every day to hard working and XXXX people who rigorously try to find ways to make money. This is not a crime. The people who do this to people are criminals and need to be stopped. Sofi helps them remain undetected and able to commit more crimes against people like me. Please don't let them keep my XXXX or XXXX XXXX dollars. Because of this entire thing I lost out in 52 weeks of high in my investment account and possibly thousands of dollars. It's not fair.
Product: Debt collection

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft AffidaviXXXX. Please delete the items as soon as possible.
Product: Credit card

COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX SYNCHRONY BANK ( XXXX ) Card - XXXX XXXX XXXXXXXX I received my statement today XX/XX/24 stating that I was charged interest after my balance was paid in full. I made the following payments ; XX/XX/24 - {$110.00} XX/XX/24 - {$1100.00} XX/XX/24 - {$1700.00} Total amount paid was {$2900.00} Should I be charged interest after the balance was paid???? Synchrony is a whole SCAM!!!! I disagree with the interest charged of {$57.00}. The balance of this account was paid before the interests accrued. My account should show as PAID IN FULL. Synchrony reported this inaccurate credit info to the credit bureau. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX complaints closed in last 3 years XXXX complaints closed in last 12 months
Product: Credit reporting or other personal consumer reports

Creditor : BMW Financial Services Reported Balance ( as of XX/XX/XXXX ) : {$17000.00} Highest Balance : {$41000.00} Account Opened Date : XX/XX/XXXX Loan Term : 74 months ( 6 years ) Payment History Reported as : Only 7 % of payments on time Creditor : XXXX XXXX  XXXX Reported Balance ( as of XX/XX/XXXX ) : {$16000.00} Highest Balance : {$34000.00} Account Opened Date : XX/XX/XXXX Loan Term : 72 months ( 6 years ) Payment History Reported as : Only 2 % of payments on time A police report has been filed multiple times regarding this accounts. However, the company continues to claim that they can not provide any proof or documentation. Instead, they repeatedly state that the accounts is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Capital One # 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 a account without my written consent.

15 U.S.C 166b : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Account is 7 to 10 years old with a {$0.00} balance Please Delete
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXX/XX/XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXX/XX/XXXXXXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXXX/XX/XXXXXXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXX 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: Debt collection

ONCE AGAIN HARVARD HAS DONE IT AGAIN. THEY FAILED TO VALIDATE DEBT AND CEASE AND DESIST COLLECTION EFFORTS AND STP CONTACR REQUESTS WAS IGNORED. CEASE CALLING OUR CELL NO.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 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 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
Product: Mortgage

Id like to file a formal complaint into NFCUs illegally accessing my bank, XXXX and illegally taking money out of my accounts without my permission and engaging in unfair lending and dept collection practices NOW and in the Past, as this is retaliation for reporting NFCU for discrimination and unfair lending practices and dept collection with my HELO application from XX/XX/year>. 

Recently, on XX/XX/year>, I was contacted by NFCU claiming that my HELO had not been paid since XX/XX/year>, and stated on a recorded line that I was over {$1000.00} dollars in arears. I manually pay my HELO monthly out of my XXXX account and I have faithfully paid all NFCU bills that were sent to me. 

I do not trust NFCU to access my accounts, as I was discriminated against by XXXX when applying for this HELO and subjected to unfair lending and dept collection practices when NFCU tried to force me to sign loan documents without disclosing the terms of that agreement because they had added 3-interest points as I was a single female and didnt have a man as a co-signer or a man on my propertys title. 

When I tried on XX/XX/year> to access my accounts online, NFCU had locked me out of all my accounts. After 2 hours on the phone, I gained access to my account, only to learn that they had denied my XX/XX/year> payment from XXXX, a payment in full for XX/XX/year> of {$380.00}. While on the phone with NFCU, I submitted payment of {$500.00} to cover XX/XX/year> and any fees they were going to charge me. 

Without my permission, NFCU withdrew both {$500.00} and {$380.00} from my XXXX account. I complained to the online representative that it was illegal to withdraw funds from my account without my permission. The representative told me, on a recorded line, that it was NFCU policy to take 2 months, the XXXX and the XXXX payment. I reminded him that he did not have my permission to take next months payment out of my XXXX account and I wanted that amount returned to my XXXX account. He refused to refund my money. The representative stated that the XX/XX/year> payment NFCU had illegally withdrew from my XXXX account would be posted as my XX/XX/year> payment. It was not! Now I am now being called by NFCU collections claiming my account is in arrears. 

This bank/credit union is engaging in illegal acts, unfair leading practices, and they have openly preyed upon me and discriminated against me. I have only had this HELO since XX/XX/year>- and they can not stop retaliatory harassing me. 

What I would like as a remedy to their retaliatory and unabated and uncorrected discrimination, harassment, and unfair lending and dept collection practices is for NFCU to forgive in total my HELO and close it. And or for NFCU pay all fees/loan points associated with moving all my NFCU accounts, saving/checking, Home Loan, and HELO to another lending institution of my choosing, one that does not engage in illegal acts against its customers and members. And with both both options, they must repair any damage they have done to my credit history. 

I will agree to sever all ties now and future with NFCU, when they agree and comply with the above remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes regarding the below inquires. I have reported to XXXX, Experian and XXXX that I have no knowledge of these inquires and need them removed ASAP but this hasn't been done. I have also mailed several letters and have reported to the Oklahoma Attorney General office that these need removed. I have no idea why these hard inquires on my credit report! I need these removed ASAP per the law. 

XXXX XXXX XXXX XX/XX/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 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/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 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
Product: Mortgage

I was out of work do to XXXX lay -off. I called my back and ask for a deferment. I was given XXXX months and told to make small escrow payment during this time and to apply for XXXX HAF assistance. I followed all of the instruction given. I made 3 payment of {$290.00} for direct deposit to my escrow. On XX/XX/22 I received an email from XXXX HAF that my application was approved and the fund would be release to Wells Fargo. The sent {$4600.00} which is XXXX months of payment covering XXXX XXXX XXXX and XXXX. Wells Fargo applied XXXX XXXX XXXX and misapplied XXXX. I have made 27 call left 14 message and ask for 6 complaint to be filed on my behalf. I am being told my XXXX payment is delinquent, and they did not apply my third payment of {$290.00} which now sits in there unapplied. I have been working with many employee to resolve this misapplied of funds at no success. I am being harassed for being over XXXX delinquent for XXXX payment. I need your help my bank has stolen federal funding meant to help bell out suffering homeowner and now I am being XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Reporting of Inaccurate Payment History for Navy Federal Credit Union Account XXXX XXXX Details : I am filing this complaint regarding XXXX continued reporting of inaccurate payment history on my closed Navy Federal Credit Union ( NFCU ) account. The attached screenshot of my XXXX credit report highlights the following issues : 1. Charge-Offs ( CO ) : The report inaccurately shows CO ( Charge-Off ) for multiple months in XXXX and XXXX. 
2. Late Payment Inaccuracies : Several months in XXXX are incorrectly reported as 60, 90, 120, and 150 days past due. These entries do not align with my actual payment history.

3. Continued Negative Reporting : Despite the account being closed, XXXX continues to inaccurately report negative statuses, causing harm to my credit profile. 

These errors are a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and up-to-date consumer information. 

The CFPB recently imposed a significant fine on XXXX in XX/XX/XXXX for similar reporting failures, which underscores the importance of holding credit bureaus accountable. This pattern of non-compliance is unacceptable, and immediate corrective action is required. 

Resolution Requested : 1. A full investigation into the inaccuracies reflected in my XXXX report. 
2. Immediate correction of all errors, including removing the incorrect CO and late payment entries. 
3. Written confirmation from XXXX that these issues have been resolved and will not reoccur. 

Attached Evidence : The attached screenshot provides clear evidence of Equifaxs reporting inaccurate I request that the CFPB take swift action to ensure XXXX adheres to its legal obligations under the FCRA. Thank you for addressing this matter promptly.
Product: Bank account or service

I was charged excessive overdraft fees by U.S. Bank checking account. I would check the account every morning and night and discovered that I was getting overdrafts from three days ago when they said my account went negative. I then talked to a supervisor and told him that very morning my account was positive XXXX dollars at XXXX XXXX and then at approx. XXXX in the afternoon my account was suddenly negative XXXX dollars because they charged XXXX overdraft fees for XXXX day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed out letters to all ( 3 ) major credit bureaus, following FCRA Section 609, which provides me, a consumer the right to dispute any inaccurate information on my credit report. Correct name, address, and phone number. 

If the credit bureau finds any errors, then the credit bureau must remove them within 30 days and notify me, the consumer. If the credit bureaus can verify the accuracy of accounts, correct name, address, and phone number, the credit bureaus still must notify me, the consumer. 

The FCRA Section 611, provides me, the consumer with permission to follow up and refute accounts deemed verified. This requires the credit bureaus, to reinvestigate these unverified accounts and remove them after 30 days. 

Following FCRA Section 623 deems it a violation to Report information with actual knowledge of errors. The consumer, 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. 

I am contacting you concerning old and outdated information that is appearing on my credit reports. According to the Fair Credit Reporting Act ( FCRA ), negative information can only appear on my credit report for 7 to 10 years, depending on the item. These are the items in question. 

I request you verify and remove any old and outdated accounts. Once you have completed any corrections, please send me a new credit report reflecting the updated information. 

As I have not heard back from you in over 30 days regarding my notice of dispute dated XXXX XXXX XXXX, and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : I understand that under U. S. C. Sec. 1681i ( a ), the credit bureaus must complete this investigation within 30 days of receipt of this letter and send me the updated report showing your compliance with the FCRA Laws and METRO 2 Reporting Standards as well as these accounts removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft alert has been placed on my credit reports due to information being shared and stock through data breaches and dark web exposure. There are fraudulent accounts and inquiries listed on my credit reports. XXXX, XXXX, and Experian have reported accounts that are fraudulent from XXXX.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP FRIDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX A IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan decided to report my business credit card on my personal credit. I never agreed to have my business credit on my personal credit. I like to keep them separate and thats the reason why i went with chase business credit card 7 years ago. They told me they did not report on personal.