23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Mohela misapplied my XX/XX/XXXX  payment and issued me a past due notice in error. 

I have 12 federal student loans. For my XX/XX/XXXX  payment, it did not apply the fully monthly payment to one of my loans, instead applying it to 3 other loans. 

On XX/XX/XXXX, I called and wrote Mohela about this discrepancy. I asked them to apply the correct monthly payments to each of my loans as I had authorized when I enrolled in auto debit. While they fixed the problem with this loan in question, Mohela then XXXX  out my payments for eight other loans and applied it to just three loans for my XXXX payment. It now shows that I am past due despite having paid my monthly payment in full. 

I called again on XX/XX/XXXX, the Mohela representative I spoke with told me they were going to fix the problem on their end but gave me no estimate of how long it would take. To fix the problem going forward, Mohela had me cancel my auto debit and told me to re-enroll in order to benefit from the .25 % in interest savings. As of XX/XX/XXXX, it still shows that I am past due with incorrect amounts owed for next invoice due on XX/XX/XXXX. 

I am specifically asking the Department of Education to put me on administrative forbearance so that I am not penalized for their errors.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX Payments are reported as late on XXXX, XXXX, And Innovis, although a double payment was made in XXXX to XXXX Bank XXXX number XXXX Account XXXX
Product: Mortgage

CFPB, this is the third time I am having to submit this complaint against Ditech/Green Tree. My second attempt to file a complaint against this unethical mortgage/collection company, was verbally taken by one of your CFPB representatives. I made it specifically clear to him in XXXX of XXXX, that my second complaint was to clearly dispute Ditech/Green Tree 's unacceptable reply to my original complaint filed through you, CFPB, in XXXX of XXXX. 

The corrupt unethical business practices that Ditech/Green Tree conducted against me, as well as thousands of homeowners, has been well documented for years - subsequently with a class action lawsuit against them that was settled. I am definitely involved with the abusive, unethical business practices that they conducted against us, the homeowners. I began having issues with Ditech/Green Tree around XXXX when they purposely stopped taking my payments ( claiming never to receive them ), illegally added late fines, stopped taking my phone calls when I repeatedly filed for a home modification, repeatedly endured unethical unprofessional-ism by most of their representatives with XXXX XXXX making a completely insensitive comment regarding my XXXX father, repeated lies of not receiving my paperwork, etc. etc. All of this ... all of their unethical business practices caused me great personal damage! Aside from demanding all of the late fines they implemented to my loan, I want compensation for all of their abuse! I am owed financial compensation! Their reply to my first submitted complaint was a generic reply ; stating that they had worked with me in trying to give me a modification. Lies! They purposely conducted their unethical business practices, THAT FORCED ME TO FIGHT FOR MY HOME. They subsequently sold my loan to another mortgage/collection company - XXXX XXXX XXXX XXXX XXXX to get out from under my complaints against them! 

I want and am legally owed significant compensation for their blatant unethical business practices conducted against me - as well as all of the personal injury ( financial, health, personal issues ) factors that I had to endure. RETURN MY MONEY YOU ILLEGALLY ADDED TO MY LOAN BECAUSE YOU PRACTICED UNETHICAL BUSINESS PRACTICES! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

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

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

On XXXX I mailed a package to XXXX The package came back to PO because they said it had rechargeable battery which not allowed. I collected package at PO and then sent receipt and all documents to Capital One for claw back on XX/XX/XXXX To date i have not received credit nor acknowledgement of request If lost in mail I will send another copy but must know from Capital One if dispute letter was received
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX, sitused in XXXX, Indiana, has a collection agency contract with the Indiana Department of Revenue. By statute ( specifically Ind. Code 6-8.1-8-4 ), the Indiana Department of Revenue may hire special counsel or a collection agency to collect judgments from tax warrants ( let me add emphasis that the collection agency bit ONLY relates to judgment by warrants -- a point I will get to a little later ) ; however, the statute does not say that a collection agency can stand in the stead of the Department. 

Premiere takes the position that it IS the Indiana Department of Revenue when enforcing this debt ( they work on a contingency basis -- less than 11 % ) and does not follow ANY of the provisions of the FDCPA. Their contract, evidencing the contingency fee is online. 

More specifically, on Tuesday, XXXX XXXX, XXXX, they initiated the first-contact with the debtor. Debtor was informed that she had 24 hours to agree to a payment agreement that consisted of approximately $ XXXX over a 4 month period. If debtor did not call back in 24 hours and take this deal, they would merely garnish her wages. 

There was no initial letter substantiating the debt. There is no opportunity for her to challenge the amount owed. There is no notice that lays out which portion of the debt is the tax owed or the collection fee. Nothing ... nada. Just " you owe this '' and if you do n't agree ... .bam. 

As if that 's not offensive enough, let 's walk through that whole judgment arising from a tax warrant. The Department of Revenue 's own interpretation of that statute is, " DOR may contract with a collection agency if an unsatisfied Tax Warrant has been issued by DOR ... '' and " Tax Warrants not collected by a sheriff in 120 days may be sent to a collection agency. '' See page XXXX of their contract with Premiere, accessible here : XXXX A tax warrant is actually recorded in the country where the debtor owns property or lives. And, a collection agency is " paid '' by " filing an amended warrant ... and adding the [ collection ] fee, '' which is predetermined by the XXXX and budget agency. ( See Ind. Code 6-8.1-8-4, again, for all of this. ) This debtor has always lived in XXXX XXXX, Indiana. 

There are no tax warrants filed and outstanding for the debtor. Their warrant system goes back to XXXX. 

So, you have a collection agency that was n't properly hiring, collecting on a debt they are n't authorized to collect, and using tactics that are reserved for a state agency -- all the while thinking they stand in their stead and, thusly, no pesky FDCPA rules apply. 

I just ca n't with this one ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sold my student loans to XXXX XXXX AND I paid them in full with a XXXX which finances the loan for pay off and set off. Since the loans are off XXXX XXXX XXXX they should not be reported like they are still owning the loan themselves. What i want for them to do is stop reporting the loan and remove the items from my credit report becuase they sold the debt to XXXX XXXX and no own it. 


XXXX XXXXXXXX was paid with a XXXX and is committing trust fraud bank fraud and money laudering etc which i will be reporting to other companies as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that the CFPB could help me with some accounts on my credit that are not mine. I have reached out to the creditors and the FTC. I am really trying to do some things for my family and I cant because of these items : 1. XXXX XXXX  XXXX ( XXXX  : XXXX Experian : XXXX. XXXX  : XXXX 2. XXXX ( XXXX : XXXX. Experian : XXXX, XXXX  : XXXX 3. XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX  : XXXX.
Product: Checking or savings account

On XX/XX/year> I received a call on my cell phone with the caller ID " Fifth Third Bank '' and their known customer service number of XXXX showing. This is my bank so I answered the call. The caller claimed he was a Fifth Third employee from the fraud department and was calling about suspicious activity on my account relating to a XXXX charge. As my debit card had recently been compromised and I had already been dealing with those disputes and getting a new card issued to me, I did not think this was out of the ordinary. The caller was in touch with me every day from XXXX XXXX  2025 every time claiming he was a Fifth Third employee and every time the call coming through with the Fifth Third caller ID and number showing up. He instructed me to perform XXXX test transactions via XXXX - a request and a payment. The payment did go through for {$1900.00} ; this person assured me he would get the transaction reversed and my accounts re-opened, etc. When I did not receive a response from my communication to him on XX/XX/year>, I assumed it was because of the bank holiday and weekend. When I called Fifth Third today, XX/XX/year> to request a status update, they informed me there were no notes associated with this case and they had no record of any of these phone calls. I explained what I have written here and they stated it was a scam. I requested to file a dispute with the bank and they refused to accept my claim. I believe the bank should accept my dispute claim and refund the funds to my account.
Product: Credit reporting or other personal consumer reports

XXXX. Since XX/XX/year>, I have discovered a highly concerning and completely inaccurate over 60 days late payment mark on my credit report, displayed under the XXXX XXXX section of the XXXX website. This false entry has caused significant damage to my credit score and has negatively affected my daily life. 

XXXX. On the same day, I contacted XXXX to investigate the issue. I was informed that the late payment record was provided by XXXX and was allegedly related to an early termination of an auto loan with Stellantis. It is true that we had a vehicle lease with Stellantis that was terminated early due to a total loss of the vehicle. However, after contacting Stellantis, we were clearly told that they did not report any negative credit information as a result of the contract termination. 

XXXX. We then contacted XXXX directly. They found no record of any late payment entry on my personal credit file. 

XXXX. Despite this, XXXX XXXXXXXX XXXX continues to display a late payment record attributed to XXXX. This discrepancy has gone unresolved and continues to harm my credit standing. 

XXXX. Since XX/XX/XXXX, I have reached out to XXXX, XXXX, and Stellantis numerous times. Not a single company has taken responsibility, and no one has been able to provide a clear explanation or solution. All three parties continue to shift the blame onto XXXX another, leaving me to suffer the consequences of a mistake that no one is willing to fix. 

XXXX. This is not a minor issueit is a serious failure in customer care, accountability, and data integrity. A false derogatory mark has been left on my credit record without any valid basis, and your inability to coordinate internally or across companies to resolve it is unacceptable. 

I am demanding immediate action to thoroughly investigate this matter and permanently remove the incorrect late payment mark from my credit report. I reserve the right to pursue legal action to protect my rights if this issue is not resolved promptly.
Product: Vehicle loan or lease

Finances used XXXX XXXX XXXX in XX/XX/XXXX. There were problems with vehicle at test drive. Was told by sales person that they would make repairs to vehicle ( transmission and clutch ) the coming weekend. I tried to get vehicle in almost daily for the next 9 months and was given an excuse wash time I asked to bring it in. I was promised by salesman that they would adjust and repair any problems with clutch it transmission the next evening and at latest the coming weekend. I paid on time for 9 months while trying to get car into their repair shop and then one day three cars transmission head internal failed unspecified and broke down was undriveable.. I towed it to repair shop and ward told it needed a new transmission and that the one that was in it was faulty and would have broke down now matter what. I then contacted city auto wholesale to explain and they put me in an old XXXX mold filled case which gave me respiratory distress even with a mask on. My husband is now being garnished for an amount exceeding {$12000.00} XXXX on XXXX loan that was closed at its high if XXXX in XXXX. I had made all payments on time for 10 months. Even 1 ninth after break down and stop making payments when I knew that the cat loot was not going to make it right. They repossessed three car in the 11th ninth after date of financing, sold vast for XXXX at auction to another sector. In their firm ( credit concepts, XXXX XXXX in XXXX of XXXX and stated collection egrets on the original loan admit and note then XXXX interest. They garnished my ostrich in XXXX and none of the garnished XXXX went towards the high balance or interest. Now they have added another another over XXXX interest to the closed account ( XXXX ) in excess of XXXX and are harnessing my husband 's wages for that amount. The account was charged off in XXXX. And closed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  # XXXX ; Account Name : XXXX  # XXXX ; Account Name : 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 a account without my written instructions.

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: Credit reporting, credit repair services, or other personal consumer reports

I have reported to all three credit agencies that I need information about several accounts that I know are not mines ( XXXX  ) and incorrect address/phone numbers. They are not updated. Ive paid accounts off and it still shows unpaid.
Product: Credit card

I disputed a fraudulent transaction made by XXXX XXXXXXXX XXXX XXXX for the USD XXXX purchase made on XX/XX/XXXX. The bank did not give me the option to appeal the wrongful response given by the Company. I have only very burdensome means to appeal and can not open the dispute against the Company.
Product: Credit card or prepaid card

I applied for an XXXX  XXXX credit card from Bank of America using a link from the XXXX  XXXX website to a Bank of America website. The information on the XXXX  XXXX website and on the Bank of America website offered a promotion of XXXX XXXX  XXXX miles if I spent {$8000.00} within 90 days of opening the account. The promotion was very clear and was on the same page as the application I completed, so I definitely applied under that promotion. After I spent the required amount, Bank of America only credited me with XXXX XXXX  XXXX miles. 

I contacted Bank of America and spoke to several representatives and supervisors. I provided detailed information to them. They all told me that they had no authority to correct anything - they could only submit a case to a back office to do " research ''. I received a letter to call them. When I called, they told me that the back office had completed their " research '' and that I had applied under a XXXX-mile promotion. That is not true. The back office did not actually do any research. They only looked at the promotion code that their website had entered incorrectly. They also told me that there was nothing anyone could do and there was no one I could appeal this to. 

I have included detailed information in attachments. I have also attached a copy of the application webpage showing the XXXX-mile promotion on the same page as where I entered my information and submitted my application. 

I had applied for this credit card specifically to get XXXX XXXX  XXXX miles to purchase two tickets for an XXXX  XXXX next year, and I spent {$15000.00} on this credit card so that I would have the needed XXXX miles ( with the XXXX-mile bonus ). I already had to spend {$970.00} for the two XXXX  XXXX tickets, since I needed tickets to a specific destination only served by XXXX  XXXX on a specific day to meet a cruise, and these tickets may not be available later. I should have been able to get these tickets using the XXXX  XXXX miles they should have given me.
Product: Student loan

I graduated from XXXX XXXX in XXXX  and have not been able to get a job in the field I got my degree in,. I was promised job assistant and never got it. When I applied for jobs I was told I needed prior experience which I was unable to because I was working fulltime and going to school fulltime. I was forced to take all these private loans with Salle Mae which not is Navient. For a {$50000.00} They want to charge me over {$600.00} a month and I have been doing a cost of living rate reduction just to be able to make a payment and this last month they denied me. I had to get forceful and talk to a manager and let them know its either they lower the payment or they will only get what I can afford. I feel XXXX XXXX was a scam, I'm not able to work in the field and now a lot of companies don't even accept the degree I got from them. I demand these loan be forgiven.
Product: Mortgage

I have had several payment issues with this companys website. Recently i closed an old bank account. I reached out to CMG Financial to inform them my account linked to my monthly auto-payment had been closed, trying to avoid any issues. They told me the payment had gone through. This was impossible because the account was closed. Therefore the charge eventually bounced. I received no notice of this. The following month i owed them double plus late fees and bounced check fees. They then said my only option for resolution was to send a cashiers check, which i did. And they processed that check. Now it is XX/XX/XXXX, and i log on to make my monthly payment, the cashiers check processed and my account appears current, but the website still wont allow me to make online payments. I then call the customer assistance hotline to speak with a customer service representative and the office is, again, closed. My credit has received multiple negative hits from CMG Financial and I have paid multiple late fees due to their useless online payment system and their complete lack of proper customer service availability. I am a good customer trying to do right and being thwarted at every effort to maintain a clean mortgage record. These practices seem predatory and inadequate. Please help.
Product: Credit reporting or other personal consumer reports

In accordance with Fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  ( XXXX accounts total ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. US DEPT OF EDUCATION XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX5 USC 1681 section 602a. States that I have the right to privacy.

15 USD 1681 section 604a section 2 States and consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) ( 5 ) 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 antidotes the report by more than seve years.

15 USC 1681 s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.