23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Mohela is my student loan servicer. On XX/XX/year> I submitted an IDR app for the SAVE plan. Between XXXX I submitted PSLF apps XXXX All indicated they were processing. Also, at that time by account showed, correctly, my 11 student loans and their balances. 

On XX/XX/XXXX I received a letter in the mail that my IDR app was denied due to not receiving documentation with the application. It directed me to submit the documentation online. First of all, when I submitted the IDR app, my income tax was pulled from the government tax file and attached to the application -- as proof of my income. 

Second of all, when I went to go online to submit it, all of my account information is gone. No balances, no loans. Just the " smiley face '' that says " Your account is in good standing. '' And now all the documents submitted and referenced above ( except the denial ) are labeled as " Non-Mohela Brwr. '' When I log into Fed. Student Aid web page, again there is no information about my loans anymore. 

I understand that there is a time component to processing applications and documents. 
I understand there is a mass number of borrowers needing things processed right now. But is is difficult to even locate what that expected time frame might be. If they are experiencing such backlogs, why aren't they providing clearer information to let us know what is going on! 

I CAN NOT understand why there is no mechanism in place to let me know where it is in the process -- what is going on with my accounts. 

Why am I not receiving any communications? 

Based on what Fed. Student Aid and Mohela show when I am logged into my accounts on those pages, I have a {$0.00} balance. Why wouldn't I now assume that everything has been forgiven and I should alert the credit bureaus to remove the student loans from my account? 

Why did I not even get an auto-acknowledgement from Mohela when XXXX reached out for help and account information when logged into my account on their page? 

I tried calling Mohela, but hung up after two hours on hold without speaking to one person. And then, I only hung up because my phone battery died. How is that okay? 

All of this -- instead of helping me -- is holding me captive to Mohela and my student loans and keeping me from moving to other things in my life. ANY OTHER FINANCIAL institution would NEVER be able to treat customers they that us student loan borrowers are being treated.
Product: Mortgage

I applied for a modified mortgage back in XXXX XXXX. I sent all my paperwork back in XXXX XXXX and was told I was approved and my final documents would be sent out after my trial period payments were done. When I never received these modified mortgage final documents in XXXX XXXX I called nationstar mortgage to see what was going on. They told me that on page XXXX the notary did n't print her name on the line provided. I asked why I was n't told since XXXX and was told they did n't know. I explained I had even spoken to my representative who is no longer around XXXX XXXX and she said it was all being sent. They advised they were resending the paper work to be resigned. I had to call again stating I still have not received the paper work and was told oh sorry it was not sent. I finally got it and then received a notice one week later saying I owe payment of XXXX from XXXX when trial payments started and my modification is denied due to no paper work ever submitted in XXXX as per a representative XXXX. As of this date I ca n't get in touch with my assigned rep. What am I suppose to do now???
Product: Debt collection

Barclays has surreptitiously re-aged the debt purportedly owed to them. Barclays reported to the credit reporting agencies that payments were made at sporadic dates in XXXX, in an attempt to extend and/or circumvent the Fair Credit Reporting Act requirement that debts older than seven years must be removed. The alleged debts owed and reported are older than seven years. 

On XXXX XXXX, XXXX, I received mail from Barclays about an alleged debt owed. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last XXXX digits for security reasons ] .I sent via certified mail [ Mailed XXXX/XXXX/XXXX ; received XXXX/XXXX/XXXX ] a request to Barclays to provide me with the following : 1. the amount of the debt ; and 2. proof of the last payment made on the account. 

Barclays did not provide me with any of the information requested.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 XXXX 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: Debt collection

My son and husband are both XXXX.When Billed XXXX. They called to cancel stating they were charged to much. They said they would work with them if they paid XXXX and then XXXX for phone and would suspend account. The next bill came to XXXX. I then called asked to speak to someone in resolution dept, talked to XXXX on XXXX, who said not only would the charge stay at XXXX but also added XXXX totaling XXXX which was sent to collections which has effected my husband who takes pride in paying his bills. We are on fixed income, my husband is XXXX has XXXX and my son XXXX, with whom my husband got phone for. They were dishonest in payment and fees when they sold this product.When I see commercials on what they promise it makes me sick, and to have a person like XXXX who is suppose to help resolve problems, was very cold.
Product: Money transfer, virtual currency, or money service

On XX/XX/21, my friend 's XXXX account was hacked and someone pretending to be her asked me for a favor to send cash to someone named XXXX XXXX on her behalf. We would settle it out the following day, but she just needed me to send the money at that time. The message was not desperate in nature and sounded very reasonable, so I proceeded to make two XXXX payments to the person she requested, the first for {$450.00} and the next one for {$1000.00}. After sending the second request, the person requested more money alerting me that this was a scam. At that point I called my bank, Chase and told them about the incident. They recommended I file a police report, which I did, but stated they could not do anything to stop the payment. I find it unacceptable that an institution like Chase would not carry insurance to protect customers from fraud and that a cash app like XXXX is not willing to protect customers from fraud. As of XX/XX/21, Chase has denied my claim to refund the money despite filing a police report and alerting the bank at the time I was defrauded. Chase should not recommend the use of a cash app to its customers which does not protect customers from fraud. Chase stated they could only remediate the issue if they conclude that the money was sent to the " wrong recipient. '' In this matter, the money was sent to an unintended recipient from which the bankXXXX should seek to get the money back from or cancel the payment. 

Incidence was reported to XXXX Police Department on XX/XX/21 XXXX XXXX. XXXX took the report cell : XXXX office : XXXX Case Number : XXXX
Product: Money transfer, virtual currency, or money service

i created an account with coinbase in 2014, ive been a customer for many years. Funds in my old account have not been transfered to the new one i have waited for weeks and still can not get a reply or response from the company.
Product: Credit reporting

The debt in dispute is actually a much bigger problem that it appears. First of all the account was with XXXX XXXX, in default XXXX XXXX. The Fair Debt Collection Practices Act is in play here. The timeline for any collection process ended at six ( 6 ) years in the state of New Hampshire. That date has come and gone. Secondly, XXXX XXXX sold the debt without any assigned proof, and the collection agency maintains a negative item across the board on all credit bureaus, along with XXXX XXXX. Under the Fair Credit Reporting Act, the XXXX XXXX account is at seven ( 7 ) years past the first late payment, and as the 7-year rule goes, all aspects of the account must be deleted permanently. I demand a purge of my information from both XXXX XXXX and XXXX XXXX XXXX. I have attached a copy of an illegal collection from XXXX XXXX XXXX. By law, this matter is dead on all levels. There is no further attachment to credit as well as collection. I demand this account be deleted permanently by XXXX XXXX XXXX in addition to XXXX XXXX. I demand a full review of this illegal collection practice by the Consumer Financial Protection Bureau, a division of the Federal Trade Commission mandated under XXXX XXXX XXXX. This matter must be resolved immediately and all aspects of my file information must be purged permanently. The attached credit bureau posts show the first late payment XXXX XXXX, and as such the timeline can not be extended. Accordingly, I am well within my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Product: Credit card

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I HAVE ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH BANK OF AMERICA VIA A CREDIT APPLICATION WHERE BANK OF AMERICA UNDER TRUTH IN LENDING IS REQUIRED AND OBLIGATED PREHAND TO PROVIDE TO ME THE CONSUMER WITH CERTAIN DISCLOSURES AND RIGHTS ( 1 ) BEING THE CONSPICUOUS OPPORTUNITY TO EXERCISE MY RIGHT TO OPT OUT OF MY CONSUMER INFORMATION BEING REPORTED TO THE CRA 's OR ATLEAST DIRECT THE MANNER IN WHICH THE INFORMATION IS REPORTED UNDER 15 USC 6802. UNDER 15 USC 6801 BANK OF AMERICA HAS A DUTY TO PROTECT THE CONFIDENTIALLITY OF MY PRIVATE CONSUMER INFORMATION, NOT WILLFULLY REPORTED TO NON-AFFILIATED THIRD PARTIES LIKE THE CRA 's. nOTICE IT IS FACT THE CRA 's LIKE XXXX, XXXX AND XXXX ARE NON AFILLIATED PARTIES BECAUSE THEY HAVE NO JOINT OWNERSHIP IN BETWEEN ONE ANOTHER AND WERE NOT PART OF THE CONSUMER CREDIT TRANSACTION BETWEEN I AND BANK OF AMERICA. NOTICE IT IS FACT BANK OF AMERICA AT THE TIME OF THE CREDIT APPLICATION FAILED TO INFORM ME OF MY FEDERAL RIGHT TO RECIND MY CREDIT APPLICATION WITHIN 3 DAYS OF APPLICATION WHICH IS FRAUD AND MISLEADING THE CONSUMER INTO GIVING UP THEIR EXTENDED CREDIT WITHOUT PROPER DISCLOSURES AS REQUIRED UNDER TILA. NOTICE IT IS FACT THERE IS " NO STATUE OF LIMITATION ON FRAUD '' AND UNDER TILA THE DEADLINE FOR RECESSION IS EXTENDED TO 3 YEARS. BANK OF AMERICA HAS OBTAINED SECURITIES ON MY BEHALF VIA MY CREDIT CARD AND CREDIT APPLICATION WHICH WAS CREATED FOR THE SOLE PURPOSE OF EXTENSION OF CREDIT IN COMMERECE WITHIN THE FEDERAL BANKING SYSTEM AND HAS FAILED IN ITS TRUST AND FIDUCIARY DUTIES AND HAS DISCRIMINATED AGAINST ME DENYING ME A FEDERAL RIGHT BY FRAUDULANTLY SHUTTING DOWN MY ACCOUNTS AND NOT RETURNING TO MY MY CREDIT APPLICATION. UNDER TRUTH IN LENDING AND THE FACT THAT THERE IS NO STATUE OF LIMITATION FOR FRAUD I EXERCISE MY RIGHT TO RECESSION AND DEMAND BANK OF AMERICA TO RETURN BACK TO ME MY ASSET/SECURITY AND " ORIGINAL '' CREDIT APPLICATION AND A FAILURE TO DO SO WILL NOW ALSO BE A DIRECT VIOLATION OF TRUTH IN LENDING TO WHICH BANK OF AMERICA WILL BE HELD LIABLE FOR AS WELL AS ALL ITS PREVIOUS VIOLATIONS IN LITIGIATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX, I enrolled into a repayment program with the company XXXX. Beginning on XXXX, and continuing on XXXX, and XXXX, monthly credit card payments were deducted from MY bank account towards my balance with XXXX. 

I was told that after my last payment on XXXX that my account would be made " current '' on their end internally, and that I would receive a new statement, and updated balance to be paid in XX/XX/XXXX. I was also told that my account wouldn't be considered late, or reported to any CREDIT REPORTING AGENICES, as I was making the agreed upon payments. 

In XXXX I began receiving " account past due '' phone calls, letters and emails ; despite having made 2 payments at that point. I contacted XXXX, and was told that this was an error on their end, and that it would be corrected, and my account was not being reported as being delinquent, on either their end or with the credit agencies. 

Two days ago, on Saturday XX/XX/XXXX, I received notice in the mail stating that my account was more than 60 days past due, and after checking my CREDIT REPORT, I noticed that XXXX had reported me for nonpayment. I spoke with XXXX again, today, XX/XX/XXXX, and was told that my account will be update by mid-month, but that the customer service representative I spoke to couldn't correct the INCORRECT issue report to the 'Big 3 ' Credit Bureaus. This is what they told me last month, and their incorrect, and deceptive practices are effecting, i.e., lowering my credit score.
Product: Credit reporting or other personal consumer reports

Please provide proof that this payment was late or remove any negative association from my report. I have no recollection of this account ever being late. I would appreciate it if you would remove it from my report or show it as " Paid in Full, Never Late '' because this payment was never late and that is what is showing on my credit monitoring yet this account is incorrectly being shown else where.

By provisions of 15 US sections 1681i of the Fair Credit Reporting Act, these items need to be investigated for accuracy, completeness and completely. Please provide me with proof of these items, specifically the contract, note or other instrument bearing my signature or a documented record of the payment history. Failing that, please update the record to show PAID IN FULL, NEVER LATE, or delete the item from the report as soon as possible. The circled items are completely inaccurate and incomplete, and are a very serious error in reporting. Please update or delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Also, pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness for Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A collections account was opened up in my name On XX/XX/XXXX Regarding an XXXX XXXX that occurred on XX/XX/XXXX. I had a personal injury attorney settle all my medical costs through insurance and received a settlement check with all the amounts paid off. I have tried countless times to contact and open disputes with this company to get it removed and it has still stayed on the credit report of my XXXX. I had it removed on XXXX but they will not remove it from XXXX.
Product: Credit card

i had to open AmEx Delta Gold card with AmEx on emergency to obtain a ticket on Delta airline.after i opened card i did not receive a number so i was forced to use other meaning to buy a ticket.After i got to NY next day i called to AmEx on XXXX XXXX to cancel card without even without getting a number yet but was told i have to wait until card arrive, s in mail.I left NY next day and came back XX/XX/2016Called to AmEx to cancel card, which came in a mail, even before it was activated.Card number is:XXXX. Expiration XX/XX/XXXX.Spoke to XXXX XXXX who said there is a new promotion and it would made me re-consider cancellation.She transfer me to promotion department and XXXX XXXX, after consulting her superiors told me if i keep this card and spend {$2000.00} within 3 month i would get XXXX Delta Airline points and {$50.00} more if buy any Delta products.I spent {$2000.00} and instead of XXXX XXXX Delta points i was promised received only XXXX..Contacted AmEx XXXX/XXXX/16 and asked why, was told by XXXX investigation open since XXXX/XXXX/16 about it.I did not understand what to investigate, but let it go.Contacted AmEx again to clear it XXXX/XXXX/16 and was told same thing investigation is going on, but when i asked what they investigate my " Chat '' session was terminated. Why AmEx, who seems to be respectable enough, does not feel obligated to keep their own promises.
Product: Payday loan, title loan, personal loan, or advance loan

We are reaching out to you today because Monterey Collection Service sent us a communication back on XX/XX/year> regarding a debt related to XXXX XXXX. 
We have previously reached out to XXXX XXXX regarding our account because we are trying to get our account with them closed. We are disputing the charges. We sent Monterey Collection Service a letter around midXXXX advising them that the account number XXXX was disputed. We also asked that they provide us with a copy of the original signed agreement and other documentation of the alleged obligation to XXXX XXXX. 
To date, we have not received any response from them. It is our understanding that if the debt is not validated by them or they do not have the required authorization as required by the Fair Debt Collections Act, they must terminate the claim and correct any negative credit reporting that may have been made. Alternatively, we will except a letter from their firm stating that this matter has been satisfied and that any adverse credit reporting has been expunged, removed or properly corrected. We would like to continue our discussion directly with XXXX XXXX, and cease any further communication from Monterey Collection Service.
Product: Checking or savings account

I was trying to withdraw XXXX from my checking account at the XXXX XXXX minnesota branch i gave my well fargo debt card put in my pin number then i gave my minnesota driver 's license i filed out a withdraw slip then was asked if i have anything else with my name on it i said no then the teller started talking to the teller that was next to him that i could not hear what he was saying then he took my driver 's license, bank card and slip i filed ouu to the back then he came back XXXX to XXXX mins then i ask him for my driver 's license and debt card he said ok then i asked for a supervisor or manager he went to the back came back with a lady i stated to her i been here over XXXX minutes trying to get money out of my account i dont know what's the hold up she said the money is not cleared and my account yet i said yes it is i show on my phone from my wells Fargo account that the money was cleared on XXXX and i showed her my account balance that i had more then what i was requesting for long story short she refused to gave me the money on XXXX so on i left and called the wells Fargo customer service number and made a complaint and the lady over the phone stated to me the deposit was cleared on XXXX and she see the money and my account saying she don't know why she did not give me my money so i went to a different branch and XXXX  minnesota XXXX XXXX and withdrawal the money with no problem at all so i feel like i was discriminate against because i was a person XXXX XXXX
Product: Credit reporting or other personal consumer reports

These inquires listed below are fraud. They should be removed from credit report ASAP. 

Inquiry details XXXX XXXX ( Auto ) XX/XX/year>XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX  ( Finance ) XX/XX/year>XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXXXXXX ( Bank ) XXXXXX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year>XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Two Issues : ( 1 ) InXX/XX/XXXXI had to take out a private loan from Access Group for {$29000.00} due to an erroneous collection disqualifying me for federal loans. After the collection was removed a year later I was able to get federal loans to finish my education. In XX/XX/XXXX I found myself in a financial hardship and was unable to pay. The feds were willing to work with me but not Access Group. I defaulted on the loan, but I do not know for how much, who legitimately owns the loan or any verification. Attached are documents showing that the loan amount is different between collection agencies and the credit reports, and there are multiple collection agencies. One document on my credit report shows that it was discharged in my bankruptcy in XX/XX/XXXX.

( 2 ) When recently checking my credit I perused each account and noticed that Access Group is reporting on XXXX XXXX  several accounts as open with balances reflecting more than the original amount, but that " payment deferred. '' The sum of these accounts is roughly {$90000.00}. Checking all my federal loans through the NSLDS ( attached ) I was able to see the loans that Access Group is reporting. These are federal ( FFEL Plus Graduate ) loans, not private with Access Group. They are also paid with a XXXX   balance as all were consolidated into a Direct loan. So, these loans are essentially being reported twice, but that when a potential creditor checks my credit it shows {$90000.00} of open balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received emails from two different credit sites that monitors my credit stating that I had a new hard inquiry. XXXX XXXX stated it was a mortgage lender check and Im not in the process of looking for a mortgage. When I looked into it, the inquiry came from a business named CAP1/NEIMAN. The date of the inquiry is for XX/XX/2021 ( today ). The last line of credit I applied for was back in XXXX and it is noted on my credit. I called the number listed and it was Capitol One bank. I do have one card with them already that Ive had for years. The representative pulled up my account and didnt see any activity since XX/XX/2021 which was a payment. This inquiry is very suspicious and that is why I am filing a complaint.