23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to some fraudulent activities I have hard inquires on my report that were not authorized by me! I have disputed these inquired w/the CRAs w/no success. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquires and I am NOT benefiting from these inquires. 

There are ONLY TWO INQUIRES THAT I AUTHORIZED XXXX XXXX XX/XX/XXXX AND XXXX CAN XX/XX/XXXX!
Product: Credit reporting or other personal consumer reports

Credit bureau did not report my payment on my credit report for month of XXXX & XXXX. 
The credit bureau reported that I missed payment for the month of XXXX for my XXXX XXXX credit card which is inaccurate XXXX XXXX credit cards payment is paid. XXXX  payment is paid. Department XXXX payment is paid. XXXXXXXX XXXX XXXX XXXX is paid.
Product: Student loan

I applied for public loan forgiveness for working in a XXXX XXXX XXXX but Mohela, the loan servicing company says I do not qualify because I do not have 120 payments. Over 4 years ago the loan service provider changed and not because of a request I made. This was not voluntary and I even disagreed. 

Because of the change I only have a few years of payments with Mohela but for the life of the loan, I definitely have more than 120 if you factor in the qualifying payments I made to the previous company as well. The law for public loan forgiveness says 120 payments and does not say per loan servicing company. I would agree with Mohela if I choose to move the loan but I did not. 

I hope that Mohela reconsiders the decision and allow payments made to the previous loan company so I approved for the public loan forgiveness program, thank you.
Product: Student loan

Since XXXX I have been making payments towards my federal student loan debt. Servicing of my federal student loans was transferred to the Missouri Higher Education Loan Authority ( MOHELA ) somewhere between eight to ten years ago. When the initial servicing transfer occurred, I had nine separate loans. 

I have made significant sacrifices to pay down my principal balances as much as I could during the pandemic forbearance, successfully paying off two of my loans ( Loan ID # s XXXX and XXXX ). I submitted a change in terms request to change to a standard repayment schedule, which was effective as of XX/XX/XXXX. As of the resumption of accrual of interest on XX/XX/XXXX, my principal loan balance for the seven loans currently serviced by MOHELA was {$41000.00}. 

After enrolling in the standard repayment option, I noticed a severe and predatory discrepancy in MOHELAs calculation of the payments required to satisfy my loan balances. At first glance, the monthly payments for each loan appeared much higher than they should be. To confirm my suspicions, I tested the Annual Percentage Rate ( APR ) for each loan using the Federal Financial Institutions Examination Councils ( FFIECs ) APR calculator. 

Much to my dismay, the calculations showed a substantial discrepancy in the interest assessed over the life of the loans between what MOHELA was charging and what the interest should have been on a standard fully amortizing repayment schedule. Based on my calculations, if I repaid the loans under MOHELAs standard payment terms, I would wind up paying an additional {$9600.00} in interest. The calculated APRs based on MOHELAs payment streams are substantially higher than the interest rate, ranging from 8.504 % up to 19.553 %. 

Interest has always accrued at a higher rate than I could repay the debt. For years I stressed and endured financial hardship trying to keep up with my student loan payments. I am astonished and disgusted at MOHELAs illegal and predatory assessment of interest and I initially voiced my concerns and inquiry to MOHELA on XX/XX/XXXX. As of the date of this letter, I have not received any response from MOHELA. 

As of the date of this complaint, XX/XX/XXXX, I have now refinanced five of my seven existing loans through XXXX which will be paid off shortly. In the event the Agencies receiving the complaint and/or MOHELA determine that MOHELA has been inaccurately and illegally accruing interest over the life of my nine loans, I request a full refund of all overpayment of interest. 

After manually recalculating MOHELAs calculated payments based on the contractual interest rate, I feel that a large part of the pain, suffering, and financial hardship I have experienced over the life of my loans is due in part to MOHELAs miscalculations. I sincerely hope that the Agencies I have contacted perform a detailed assessment of MOHELAs interest and payment calculations to determine if millions of additional borrowers have been impacted by these illegal and predatory servicing practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

DEPTEDXXXX XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX {$220.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX {$0.00} XXXX  XXXX {$11000.00}
Product: Credit reporting

Transunion added previously deleted inquiries from my credit report and a couple of weeks later, those same deleted inquiries were placed back on my file. I spoke with several representatives and they advised that they experienced a glitch and that they will take care of those previously deleted inquiries. I recently pulled my report and found that they were not removed as promised.
Product: Mortgage

My mortgage was sold to M & T bank without my knowledge in XX/XX/2019. XXXX failed to keep me informed of the sales. I called XXXX for months in an attempt to pay them and I was told that there " was a problem with my bank app, someone will get back with you ''. Finally, in XX/XX/2019 I was told by a XXXX employee on one of my many calls that my loan had been sold. I immediately requested a copy of the letter they claim to have sent me. I then confirmed that they had incorrectly recorded my business mailing address, which could be why I never received any kind of notice of the sale ... Never mind that they had 3 different email addresses on record that they failed to use to contact me. After multiple requests I finally received a written notice that my loan had been sold via email on XXXX and because I now had a name and number for my new mortgage company I called right away. 

The man I spoke with verified that M & T had my correct email, and home addresses and a XXXX XXXX XXXX use for business ( they were one digit off actually ). He gave no reason for why M & T Had not tried to reach me. 

When I asked for a loan number, he said customer service would reach out. They sent a letter that I recieved at the house today, XX/XX/XXXX, dated XX/XX/XXXX. The letter is saying I'm now in default. 

This is the first correspondence from M & T with any info like a loan number. 
Last week I got an invite to sign up for on line banking with M & T. There was no way to make a payment without a loan number. The XXXX XXXX loan number was not working. 


Today XX/XX/XXXX I finally have the ability to make a payment on my loan.
Product: Debt collection

The apartment complex is calculating charges that are not owed and doesn't match the information on move out inspection sheet. The apartment complex is trying to charge for things that were existing before I moved into the unit. Pictures and documentation prove that the charges are inaccurate and unfair. There was never an itemized breakdown of what is being charged. XXXX XXXX XXXX   recommend removal because a pet lived in the unit there are no itemized break down of the cost. There were previous pets that lived in the unit before move-in.
Product: Mortgage

I have attached a letter regarding PHH mortgage. They're very unethical and purposely dragged the modification they were trying to do with me since XXXX of XXXX. In the end, which is XXXX of XXXX, they told me, because the amount of XXXX that I got behind since XXXX of XXXX, I was over their XXXX percent rule. 

I will tell you that when the forebearance period ended in XXXX of XXXX. PHH mortgage was the only servicer that did not try to lower my payment. I have several homes, i was on the brink of losing, due to covid 19. 

All other mortgage companies, lowered my payment and helped me. Phh on the other hand at XX/XX/XXXX did not offer any help, and when I asked for help, they dragged this entire modification all the way from XXXX of XXXX til XXXX of XXXX to tell me, sorry, XXXX XXXX, you dont qualify, either sell your home, or give us your deed in lieu, they also refused to refinance my home, because I missed my payments, and even when i paid them to make the account current. PHH told me that I would have to wait one year. 

This mortgage company had the intent to foreclose on my, because my primary residence has a lot of equity, and PHH knows this. They are the most horrible mortgage company out there. 

They only hire employees from overseas that are not trained, and they just tell me XXXX XXXX XXXX XXXX send this and send that, they gave me wrong emails, wrong information, and every agent I talked to would tell me a different document was requested. I can not believe that this company is even allowed to operate, when they are not in the business there logo which is " Helping homeowners is what we do '' This statement is fraud. 

They need to change their motto to " Helping homeowners IS NOT WHAT WE DO '' Is the correct statement. 
I am frustrated beyond words. I have been them on time for 10 years, and when covid 19 hit, my Mom died, my dad foot is XXXX, I have a young son XXXX XXXX XXXX. I am single Mom tried to support my entire family with problems. 

PHH mortgage needs to be investigated for their unethical practices of trying to take homes way from vulnerable people. I am sure I am not the only one out there, that has endured 6 months of phones calls, and documentation to be told SORRY ABOUT THAT. In a very customer services reps that care more about their roosters and dogs in the background, as I am begging for help. 

I hope someone reads this, because this was the worse experience I have had, and it has just been trauma after trauma.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to file a dispute with your company but your online dispute website is not working. I also called your number and wasn't able to be helped. On XX/XX/2018 i sent a letter to the XXXX XXXX of XXXX to settle any open balance i had with them. In my letter, it sated that i wanted to settle the account balance ( XXXX ) for {$120.00}. So, they had the choice to either decline my proposal and return my check or accept my proposal and cash the check ( which i clearly stated in my letter ). The XXXX XXXX of XXXX did in fact cash my check, and I have documents to prove it. The XXXX XXXX of XXXX did in fact cash the check knowing that the check was only to settle the remaining balance on my account and not to send my account to collections ot cancel any collections attempts. 

A few weeks ago, they was a collection added to my Equifax credit report which should not have been there. That collection came from XXXX , XXXX . Original Creditor Nameis XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XXXX of XXXX Chrysler Capital had my car repossessed. All of my belongings were in that vehicle. So I called later on that month to let the finance company know I would not be attempting to get the car back. At no point during the conversation was there any mention of where my belongings were. I called the office of the president to find that information out and they were not able to provide me any of that information. When I contacted Chrysler Capital again at  the beginning of XX/XX/XXXX, I was informed my belongings had been sent to a recovery company, XXXX XXXX XXXX and spoke with their claims manager. The claims manager informed me that after an investigation was done into the where abouts of my belongings, my belongings were discarded. The reason they were discarded was because the recovery company never received a personal property letter from Chrylser. When I reached out to Chrylser ( or  Santander, as it was interchangeable every time I talked to them ) I was told that it was not their responsibility that my items were lost even though they were supposed to send a personal property notice to the recovery company so that they would be able to reach out to me. I feel that Chrysler Capital is very much responsible for the loss of my property as they did not send the property notice to the recovery company as they had been instructed. My loss of property totaled close to {$1000.00} and therefore they owe me for what was lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice that the Experian XXXX XXXX XXXX has violated my consumer rights 'Under 15 U.S.C 1681b2 because I did not give written instruction for Experian Corporation to report any of my private information. why do yall ( Experian ) have a report and file on me? without my consent? without my written instruction? Delete this Account XXXXXXXX XXXX XXXXXXXX XXXX - XXXX
Product: Prepaid card

I have been locked out of my Rush Card account direct deposit since XXXX/XXXX/15. XXXX XXXX explained to me they are the bank but XXXX XXXX is over the prepaid card. No real person answers the phone line, I get automated response when I email to company, the phone line is stating my card is not activated. I have not spoke to no rep from that business as of yet I am unable to pay a bill, eat, get medication buy gas for my car, my phone will be cut off, my rent, my utilties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my XXXX XXXX.
Product: Debt collection

AD Astra XXXX XX/XX/2022, {$340.00}, I was informed via another bureau that indicates the det doesnt belong to me. I also made contact with the compnay directly and they advised they sent out all necessary information regarding the validation of the debt which they found to not be mine.
Product: Checking or savings account

XXXX XX/XX/XXXX, Goldman Sachs ( GS ) Bank routinely email-notified this longtime customer his ( XX/XX/XXXX ) monthly statement was available in his online savings account, but then maliciously blocked electronic access to that XXXX / veteran 's / GS stockholder 's account until the customer first provided answers to some additional invasive corporate private banking questions under the misguided warning such answers were MANDATORY! 

In XXXX then-President Bush signed the US Patriot Act reportedly giving financial institutions authority to ask customers ( especially foeign nationals, which I am not ) full name, social security number, birth date, and contact information ( e.g., address, email addresses and or phone numbers ). 

I have no problem with this and readily provided this information to Goldman XXXX. 

The Patriot Act also reportedly encouraged financial institutions to get to " know their customers '' by asking additional VOLUNTARY questions, like : current employment status ; occupation ; sources of income ; marital status ; whatever. Such information could help the government track illegal activities such as " money laundering '' and financial institutions could more intimately tailor loans and other products to more effectively market them to banking customers. 

Goldman Sachs cutoff with malice my online account access unless l ( and apparently all their other online banking customers ) first answered these strictly-VOLUNTARY questions. 

Almost a full week into the new month I am still totally locked out from online access to my web-based Goldman Sachs Bank savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has admitted to using the EOSCAR system but failed to provide if they verified the account responding back to the CRAS XXXX, XXXX, EXPERIAN using all relevant physical documentation to the credit reporting agencies. THE EOSCAR system is NOT built to comply with the REAL FCRA code. NOR is it built to allow the DATA FURNISHER XXXX XXXX THE SUBSCRIBER to the EOSCAR software to respond sending physical relevant documentation back to the CRAS. Therefore, there is NO real investigation. This is all an illegitimate scheme to offset any real investigation of verifying accounts. I will seek litigation for this negligence of abusing the system.
Product: Money transfer, virtual currency, or money service

Paypal will not allow me to withdrawal or access {$6400.00} XXXX in my PayPal account. I did not violate ANY PayPal policies. They simply decided they did not like my business but that is not an acceptable reason to withhold a consumer 's funds. I believe they are subject to US laws regarding financial institution funds availability practices and withholding my funds is illegal, as well as unethical, and immoral. They are a multi-billion dollar company and there is no reason to be holding any member of the public 's lunch money for half a year.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$26000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$10000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

Prior to opening an American Express account, I was informed as the spouse of an active-duty military member ( my husband has been active reserve XXXX XXXX for over 13 years ), we would be eligible to have the MLA ( Military Lending Act ) added to both of our accounts. We do NOT qualify for SCRA, as the account with AMEX would be opened after the beginning service date. We DO qualify for the MLA, however. 

I have been fighting with American Express since my account opening to have the MLA added to my account. Every time, they take my information and then a few weeks later I get a letter stating we are not eligible. I have uploaded my husband 's military documents multiple times, copies of our marriage certificate proving I am his spouse, and letters explaining to AMEX what we are and are not eligible for. Despite this, I have now been denied XXXX  times. Each time, the rep tells me they will " fix '' the issue and take all of the same information. They refuse to give me to a supervisor or have someone correct the information immediately. I am at a loss as to what to do. We are indeed eligible for this, and they have applied it to my husband 's account, but refuse to do so on mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am writing this complaint due to Navy Federal credit union regarding overdraft fees I have incurred. Saying I have funds available, but really theyre insufficient. This issue aligns with the CFPB finding against Navy Federal for transaction settle with insufficient balances available due to funds. I believe its unfair and request a investigation on the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried I'm still remove my address off of my credit report wrote letters and still nothing. at this address is not valid XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX This need to be removed I have reported to remove from XXXX report
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington Law has been fraudulently sending out disputes to my lenders without my consent. I am not enrolled with them. I cancelled within 3 days and they not only tried billing me a month later, i have come to find out they have been disputing items on my credit report without my authorization. This is not right. I am submitting a copy of the letter i received from a lender of mine from the past.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are inaccurate : 1. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their removal from my credit report. It is my understanding that you will verify these items with the corresponding creditor. Any information that the creditor can not validate should be promptly deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 
Please send me an updated copy of my credit report to the provided address. According to the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any recipients of my credit report within the past six months about the corrections made. 
I appreciate your time and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXXXXXX XXXX XXXX  with account number This account is listed as being 30 days late on XX/XX/22 and XXXX.I have never been late on this account. 

XXXXXXXX XXXX Charge off/Late I have never been late on this account